23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company Name : XXXX XXXX XXXX - Account # XXXX - Balance : {$0.00} Company Name : ( No Name ) - Account # XXXX - Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I tried to get my credit report and score and all efforts prove futile, so XX/XX/2019I called Experian, XXXX and XXXX and was told that they are unable to process my request because there are some discrepancy with my social security number. Once I heard that I immediately contact XXXX and told them what I was informed of and they told me that they dont know why I would be told that by the bureaus because I am verified via their system. 
I am who I say I am and I dont know why it is that i am being told I have discrepancies on my social security number when I just got my number this pass XX/XX/XXXX. Please help me fix this problem.
Product: Credit card or prepaid card

My wife died 2 weeks ago and she had our Sam 's Club credit card in her name. I now have to get one in my name so I applied. Synchrony bank said I had to get a smart phone and do a facial recognition video or hire a notary to verify my identity. I don't have a smart phone and I find facial recognition an invasion of my privacy. I don't think making people hire a notary is fair to open a credit card. We never had this before. My credit score is over XXXX. I find Synchrony bank to be discriminatory in this matter. I think they are using big tech and A.I. to suppress people. This is based on a phone conversation with " XXXX '' on XX/XX/22.
Product: Credit reporting or other personal consumer reports

I had a bank account in XXXX that went to collections. I paid the account off in full and was told that it wouldn't stop me from getting approved for anything in the future. since then, it has shown up as the number one reason why companies don't want to lend to me and it has been almost 10 years since I had that account. It is messing with my progression and causing me to miss out on opportunities. The debt was XXXX dollars and the time it was reported in XXXX of XXXX The company name is XXXX XXXX XXXX XXXX. The account has been paid in full since then and I have contacted the the bank, requested a goodwill removal of the negative account, and sent out multiple dispute letters with no solution.
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The accounts below have violated my rights. 
15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which anteates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

Please remove all fraudulent accounts. Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, Capital One is reporting a transaction under my report with my consent and permission, I also received a letter stating that, " We have confirmed this account is no longer being reported by Capital One ''. 
this items shows that it is being reported by Capital One
Product: Credit reporting or other personal consumer reports

I went to a Buy here Pay here company XXXX  XXXX XXXX. I specifically went there because they advertised they were a NO CREDIT check company. They pulled my credit when I opened an account with them and their finance manager denied me at first because I wouldnt take one of the worst cars they had on their lot. Then a salesman helped me get into a car the next day. 

Now in XXXX I notice that theyve appeared on my credit report as an auto loan. My daughter and I called and spoke with XXXX and she told us that they sent out an email which they did not, this is something new that they just got approved for and we ( the consumers ) didnt have to give consent because its up to the company.
Product: Credit card or prepaid card

XX/XX/2022 my SS # was used to try to open a Nordstrom credit card - I have notified XXXX and Nordstrom credit
Product: Checking or savings account

On XX/XX/XXXX, I noticed that I had multiple unauthorized transactions from XXXX totaling to {$2100.00} from XX/XX/XXXX. Apparently someone unbeknownst to me got ahold of my login information and got access to my account which had my debit card information stored on it. Once I noticed these transactions, I immediately cancelled the compromised debit card, emailed XXXX, and went to my local TD Bank. After waiting for the transactions to leave the pending stage, I went back to my local branch and they filed a claim on my behalf, the next day I heard back from the merchant who said the charges were unauthorized, but couldnt refund my money due to me cancelling the card, and I received a provisional credit from TD Bank for the aforementioned amount while their claims department looked over my case. The provisional credit went into my account on XX/XX/XXXX and I was told by the teller at TD Bank that I should have no problems getting my money back. Today, XX/XX/XXXX, I received multiple pieces of mail stating that the claims department found that I authorized the transactions, and will be taking back the provisional credit on XX/XX/XXXX. I have attached screenshots from the merchant saying that the charges were fraudulent.
Product: Vehicle loan or lease

ON XX/XX/20 ; I Contracted to Finance a Used CPO XXXX ( XXXX UNDER VIN # XXXX with XXXX, ) ; Unfortunately I was manipulatively denied not able to TEST Drive this XXXX ( XXXX ) ; Since It was supposedly being immediately Reconditioned for me, from sitting on a Lot waiting to be Serviced from off a 3Yr LeaseXXXX ReturnXX/XX/20 ( XXXX ). I was Re Driven By Sales Rep-XXXX to XXXX ( XXXX XXXX XXXX Showroom, and Nevertheless Once the X6 Became available it was near closing time-XXXX, By This Time I had already partially Signed papers inwich ( later noticed different Amounts, and was Ushered Out of finance Office from meeting with Finance Mgr-XXXX. On XX/XX/20 this Evening, I have driven taken Vehicle home for the first time..I was Informed by Male Stranger, as I was parking One of My brake light was out. The next day-The radio shut off ( 2x ) ..This XXXX- XXXX Appears to be exhibiting Electrical Problems, While Driving it also Sounds appears to be Driving Heavy in Uphill Mode ( Dragging ) ... The vehicle has been Scheduled for Svce repairs ; However I Had to cancel Svce XX/XX/20 date. By This Time I had already XXXX  Decided to CANCEL-XXXX  Warranty-TIRE from addt'l XXXX, informed-XXXX Worth XXXX ) ..This XXXX  Warranty just so happens to Cover all the INITIAL Repairs that SHOULD have been taken care of Already PRIOR TO SALE..Rim Repair-painting, Small Blemishes-Paint-PANEL-Bumper Dings-Nicks, XXXX XXXX, XXXX..IT APPEARS OPENROAD WAS HAVING ME/BUYER ..IMMEDIATELY UTILIZE MY WARRANTY TO TAKECARE OF THIS RETURN OFF LEASE REPAIRS ( Still Have me Finance the OVER XXXX, ) ..NEW Worth XXXXonce Discovered, and calls became scarce-I CONTACTED XXXX XXXX XXXX Rel ( XXXX, Concerning being DISCRIMINATED from Prior-four XXXX Dealerships ) .On XXXX was informed, and left several Msgs to Contact Mgr-XXXX XXXX ; Until present - Mgr-XXXX never became available.This JUST OFF3YrLEASE RETURN with Repairs..XXXX Is Not Worth Excessive XXXX. ..- ( XXXXMnths ), Entitled to XXXX Price, and Renegotiate Normal price for Condition.
Product: Credit reporting or other personal consumer reports

1. CRA Failed to follow reasonable procedures for ensuring accuracy of the consumer 's information. 15 USC 1681 e ( b ) 2. CRA Failed to properly investigate or reinvestigate a consumer 's dispute 15 USC 1681i ( a ) ( 1 ) ( A ), and 15 USC 1681S-2 ( b ) 3. CRA Issued or obtained a consumer report for an impermissible purpose 15 USC 1681 b, invasion of privacy. See 15 USC 1681 A [ 4 ], right to privacy, 15 USC 1692 right to individual privacy protected by the Privacy Act of 1974.

4. CRA Failed to acknowledge15 USC 1666 B failing to disclose requested documentation 5. CRA Failed to acknowledge the Exclusion section of 15 USC 1681 a 2 which states that transactions and experiences shall not be reported which are late-payments and hard inquires 6. Under the Fair Credit Reporting Act and according to 15 USC 1681 C 2 ( N ), the CRAs should ha
ve blocked this information from my credit report within four days. Please see Attached " Description of Incident ''
Product: Checking or savings account

US Bank has Summer Checking Promo from XX/XX/XXXX to XX/XX/2019. I opened an account on XX/XX/2019. I told the Bank XXXX XXXX that helped me that I was a previous bank customer 6 months ago and I got previous bonus within that period. She told me that I still qualify for the Summer Checking promotions. I asked several times and she told me that I qualify and proceeded to open an account. I closed my other 2 accounts with the other banks so I can qualify for the amount needed to qualify for the promotions. After several months of waiting when I have not receive the bonus amount I inquired on XX/XX/2019 and I was told that it requires 2 direct deposits and the second direct deposit as the qualifying deposit. I was told to be patient for 2 more weeks. After 2 weeks nothing yet. After series of communications the XXXX XXXX of the branch where I open my account requested the corporate office to credit my account. On XX/XX/2019 I received an email from the XXXX XXXX that my account was not qualified because I have existing account already. Which was not true because I do not have existing account when I open my account. Althought I got a previous bonus within 12 months the XXXX XXXX who opened my account assured me I will get the bonus. I was honest to disclosed everything to her. I would not have open the account without her assurance. I therefore believed that the bank should honor their bank promotions by virtue of their XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and submitting disputes because I have paid off two accounts. Target paid in Full on XX/XX/ and got a letter as proof only because I requested one. I settled with XXXX XXXX which was charged off but I agreed and paid the settlement amount on XX/XX/XXXX th. Both companies have not updated my credit file. It has been more than two months. Please advice me and help me with this issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unauthorized access of my student loan information by XXXX XXXX or an entity under his control. I was not made aware that my personal student loan data was accessed, nor was I ever asked for my consent for this action. The fact that my private financial information, including sensitive student loan details, was accessed without my knowledge or consent is a violation of my privacy rights. It raises serious concerns about the misuse of personal data and the lack of proper safeguards in place to protect consumers like me. The unauthorized access to this information directly violates my rights to privacy and control over my personal financial data. I request that the CFPB investigate this matter promptly to ensure that my rights are upheld and that any unlawful activities are addressed.
Product: Credit card or prepaid card

I am unable to login to the Citibank website to check my credit card balance, make payments, or manage the card at all. 

I have had a Citibank credit card for about 5 years. This past winter, in 2019, I opened a checking account with Citibank. I had so many problems opening the account, getting the debit card, registering for online banking, funding the account, that I close the checking account within 2 weeks of opening. 

This morning I received an email stating that my checking account was ready to use ( despite being closed in XX/XX/2019 ). I went to login to my Citibank account which is still used for my credit card, and the website said I needed to reset my password. When I went to reset my password I was told my account was locked. 

I first went to physical branch who told me they could not help me but that I did not have an open checking account. 

I then called the number on the back of my credit card. I was told that in order to unlock my account, I needed to provide my debit card number or account number of my checking account. The checking account has been closed for months and did not ever receive funding because of all the problems. I told Citibank that I did not have this information. The representative told me to call back when I do ( this is not an acceptable resolution ). 

At one point I was told to " reregister '' the card online. I tried to do this but the website said that the card was linked to another online account ( the locked account ).
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent a written notice to XXXX XXXX  XXXX XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXXXXXX XXXX XXXX XXXX has yet to respond to my demand.
Product: Debt collection

There were several disputes back and forth regarding service that were not rendered. A settlement of {$1200.00} was paid XX/XX/2016. They sent a new statement on XX/XX/2016 that they found new charges. I called and they said they just found them. I explained that our account has been settled and paid.
Product: Mortgage

Actual case : XXXX - this above case was just closed by Bank of America after 60 days ( cfpb max timeline ) - i got secure email on XXXX saying they need more time ( upto XXXX XXXX ) - BofA already took 6+ month in the internal case and 60 days after opened case in cfpb.not sure why they need more time. 
- asked the same they didn't respond my email. 
- on XXXX XXXX XXXX PST, talked with cfpb agent. he mentioned wait for their response/solution ( XXXX XXXX ) and then give feedback. If required, open separate case saying issue not responded/resolved but closed the case. he cant re-open the actual case. 
- so i am opening this case as no response/solution from BofA until now ( XXXX XXXX, XXXX XXXX  PST ).
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Representatives, I am writing to address XXXX separate but related matters concerning my consumer file : A formal dispute of inaccurate information on my XXXX XXXX XXXX XXXX XXXX, XXXX, CoreLogic, XXXX, and XXXX consumer disclosure reports.

A request for a permanent security freeze and permanent opt-out on my consumer file. Part 1 : Dispute of Inaccurate Information
I have reviewed my consumer reports from XXXX XXXX XXXX, XXXX, XXXX, CoreLogic, Clarity, and XXXX, and I have identified several discrepancies that I believe are inaccurate and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). The issues include, but are not limited to, the following : Inaccuracies : Specific inaccuracies in my reports are detailed in the attached documentation. These errors adversely affect the accuracy and integrity of my consumer data. 

Failure to Validate Debt : In accordance with 12 CFR 1006.34 ( c ), there has been a failure to provide proper validation for the debts in question. No clear and accurate description of these debts or evidence of any contractual obligation has been provided.

I request that you immediately investigate these discrepancies, correct the inaccurate information, and update my consumer file accordingly.

Part 2 : Request for Permanent Security Freeze and Permanent Opt-Out Due to ongoing concerns regarding identity theft and unauthorized access to my personal information, I am also requesting that a permanent security freeze be placed on my consumer file. Additionally, I request a permanent opt-out to prevent the sharing of my personal data with unauthorized third parties.

The reasons for this request are as follows : Identity Theft Concerns : My personal information has been compromised, leading to fraudulent activity. A permanent security freeze will help protect my identity and prevent further unauthorized inquiries and account openings.

Consumer Privacy : A permanent opt-out is necessary to ensure that my personal data is not disseminated to or accessed by entities without my explicit consent, thereby preserving the privacy and integrity of my information.

I respectfully ask that you implement these measures immediately and confirm in writing once they have been put in place.
Product: Checking or savings account

Deposited {$4600.00} in atm machine. Machine started counting cash, then completely turned off screen went black, no help from branch manager. Suggested I call and file a claim. Called to file a claim, Bank of America is not providing a temporary credit, is not helping, no urgency. Is asking me to wait to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Equifax credit report are not my credit inquiries : XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX , XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX , XXXX XXXX, XX/XX/XXXX, XXXX , XX/XX/XXXX, and XXXX XXXX/XXXX, XX/XX/XXXX, I didnt apply for credit from the listed creditors. The credit inquiries are unauthorized and fraudulent credit inquiries.
Product: Debt collection

I never received any notice that of the debt because the collection company was sending notices to an address that I did not live at anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collections placed negative information on my report that doesn't belong to me
Product: Credit reporting or other personal consumer reports

I have been the victim of inaccurate reporting that has severely impacted my financial life. Since XX/XX/year>, I have been blacklisted from all banking systems due to erroneous information being reported by XXXX XXXX XXXX. This has resulted in my funds being frozen in XXXX for four months, and it was only after prolonged effort that the funds were finally released. During this process, it was discovered that there was no record indicating that my profile was " unfundable. '' Despite this, all banks continue to deny me banking services, even though ChexSystems and XXXX XXXX are not reporting any accounts with significant delinquencies. This situation has caused significant hardship and emotional distress, and it continues to affect my ability to manage my finances.
Product: Checking or savings account

Chase Bank Customer Service Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint regarding discriminatory practices and failure to release XXXX XXXX XXXXXXXX XXXX deposits Dear Sir/Madam, I am writing this letter to express my deep dissatisfaction and frustration with the discriminatory treatment I have been subjected to by your bank, Chase Bank. As a loyal customer, I have recently encountered significant issues regarding the handling of my XXXX XXXXXXXXXXXX XXXX XXXX deposits, which has resulted in severe financial consequences for me. 

For the past year, I have consistently deposited my XXXX XXXXXXXX retirement check into my Chase Bank account. However, to my dismay, your bank has repeatedly held these deposits without any reasonable justification. This unwarranted holding of my funds has caused my account to become overdrawn, leading to numerous overdraft fees and negatively impacting my credit rating. 

In an attempt to resolve this matter, I have made multiple visits to the local XXXX branch and met with the branch XXXX over the last few months. According to your bank 's policy, we have utilized a XXXX release deposit slip to expedite the processing of my XXXX XXXXXXXX XXXX  check. Regrettably, despite our repeated efforts, this issue remains unresolved, and the undue delays in releasing my funds have persisted. 

This treatment raises serious concerns about the integrity and fairness of your bank 's practices. I strongly believe that I am being discriminated against due to the nature of my state XXXXXXXX XXXX  check, as I have not encountered similar issues with any other forms of deposits made to my account. Such discrimination is not only unethical but also goes against the principles of equality and fairness that should form the foundation of any reputable financial institution. 

I kindly request that you thoroughly investigate this matter and take immediate steps to rectify the situation. Specifically, I expect Chase Bank to release my XXXX XXXXXXXX XXXX  check deposits without any unnecessary delays henceforth. Additionally, I urge you to compensate me for the financial losses I have incurred due to the overdraft fees and the negative impact on my credit rating, as a direct result of your bank 's actions. 

I have always considered Chase Bank as my trusted financial partner, and it is disheartening to find myself in this distressing situation. I sincerely hope that you will address my concerns promptly and provide a satisfactory resolution to this matter. Failure to do so may force me to explore alternative banking options and take appropriate legal action to protect my rights. 

I appreciate your attention to this serious issue and look forward to a prompt resolution. Please acknowledge the receipt of this complaint within XXXX business days and provide me with a timeline for the resolution process. 

Thank you for your immediate attention to this matter. 

Yours sincerely, XXXX XXXX XXXX XXXX