23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX On XX/XX/2019 I applied for a business credit card at Bank Of America. 
That day Bank of America did a hard pull on my credit report. I got information from the bank that I can receive a card but I have to open a CD account in the Bank. ( Secure business credit card ). I agreed because I wanted to build a relationship with Bank of America. I received the card a month later. Unfortunately, I don't know why Bank of America did the next hard Inquiry from XX/XX/2019. 
I never agreed to make another Hard pull. And they never got my authorization for that
Product: Credit card or prepaid card

I often make purchases on behalf of other people ( including minors ) and have had unsolicited pre-paid debit cards arrive at my personal address. It appears this company is taking Order names and pairing it with the billing address to send pre-paid debit cards that can be activated with a phone call. 

I have called to get to the bottom of the issue but have not been able to speak to a representative. The automated phone service asks you to enter the card number to remove yourself from their list, but after reading the feedback on this company I do not trust their system. 

I am not the child guardian, so I can not run a credit check to ensure it is tack from this scheme Netspend is running. The document they send and card all look real - I am just happy it went to my address instead of the minor. She cant even open a checking account at a BANK! The practice by this company is shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR. MOHELA./ DEPT OF ED Please see comments. 
This account has never been in dispute. I never had problems paying and paid it off early.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am unaware of this debt, nor was I given the opportunity to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). A collection agency has no authority to furnish ANY account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

Transworld Systems Inc. is also not licensed to even collect debt in the state of Florida where I reside.
Product: Student loan

After attending XXXX XXXX and graduating in XX/XX/XXXX, my student loans have doubled in what is owed. Every payment that has been made has gone towards interest. I have made payments and kept up to date on my debt. However, my payment has recently doubled as part of a graduated payment plan. I can not afford {$400.00} a month to keep my account current and I am afraid I will not be able to continue making payments. When I called for assistance, I was told that there are no other options available to help me. I WANT to remain current on my payment plan, but I can not afford payments that are half of a paycheck. I want to pay my loans off, but my loan servicer will not work with me to make that possible.
Product: Credit reporting or other personal consumer reports

My personal credit score is being affected by fraudulent accounts that are reflecting on my credit report such as Creditor ; XXXX XXXX finance account number : XXXX, XXXX XXXX Account number ; XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX Account # XXXX Account # XXXX have violated my rights. 
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 an account without my written instructions
Product: Checking or savings account

On XX/XX/2023, I learned that my Chase credit card had been denied. I called customer service and they told me that they couldn't tell me anything over the phone. I went to a Chase branch to speak to a banker in person. I learned that Chase had decided to throw me out as a customer for all of my accounts. They could not tell me why and there was no appeal and I was barred from doing any business with Chase for life. I was told that my checking account would be closed within a week or two. I moved all of my cash from savings and brokerage accounts into my checking account that evening. 

On XX/XX/2023, I created an account with XXXX XXXX and wrote a personal check to close out my checking account. On XX/XX/2023, I received a phone call from XXXX XXXX ( while at work ) notifying me that my check was denied by Chase. On the morning of XX/XX/2023, I went to my local Chase branch and learned that in spite of what I had been told in person on XX/XX/XXXX, Chase had in fact closed my checking account on XX/XX/XXXX. The local branch manager was able to override the closure in order to issue me a cashier 's check to close out my account. I then immediately deposited that cashier 's check into my XXXX XXXX account and this time it cleared. However, XXXX ended up charging me a {$12.00} fee for a returned check. 

I searched the internet and they listed activities that may lead to a bank removing someone as a customer, but I had done none of the things listed. It turns out that the XXXX XXXX XXXX did an article about this detailing banks removing hundreds of thousands of customers. See : XXXX XXXX XXXX Although the article used the term " banks '', the only example given in this article was a Chase customer. 

To be fair to Chase, they claimed that they had sent me a warning letter on XX/XX/XXXX. I never received it and since my local post office sends me email each morning with a list of mail to be delivered that day, I checked and up to XX/XX/XXXX there was no mail from Chase that made it to my local post office that was addressed to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX STATE EMPLOYEES XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/XXXX Former : XXXX XXXX Former : XXXX XXXX Employers : XXXX XXXXXXXX Employers : NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : NM XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had an account with Robinhood for approximately XXXX years. I have bought XXXX online with this company, and have approximately {$1000.00} in my account with about XXXX different XXXX. I have not cashed in any XXXX since the XXXX XXXX went down. At the first of XX/XX/2024, I was able to get into my account to get my tax information. Sometime since then, Robinhood has locked me out of my account and will not allow me access. No matter what. They keep sending me emails, which still do not allow me to access my account. I have sent them numerous messages via email. Their customer service number just drops the call. There is no way to talk to them in real time. When I log in they want my banking login and password and/or my ID. I feel that fraud will be done on me, or my identity compromised if I do this, as I have never had to do this before. I reported this to the XXXX XXXX XXXX -- -useless, as Robinhood gives the same CANNED response to everyone, and nothing is done. Look on complaints about Robinhood from the XXXX Recent complaints where many are being locked out of their accounts for no reason. I received a message today about my " trades '' -- I have not done any " trades '' as I am locked out of my account. This makes me afraid that they are now in the process of stealing my money! All I want now is to get a refund of any money that I have in Robinhood, and get away from them as soon as possible. Apparently they have turned " rogue '' and are stealing clients money. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My U.S. Bankruptcy Discharged was final on XX/XX/XXXX.  There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy Case # XXXX XXXX. Judge XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've had numerous conversations with this creditor and advised that I can not receive calls at my job regarding this matter. Creditor has my personal contact information and despite me advising that i can not receive these calls they've still attempted to contact me at work as recent as today XX/XX/2019.
Product: Credit reporting or other personal consumer reports

I am unable to access my credit file with Equifax, as nothing is updated on my file since XXXX. I was recently made aware of this when I attempted to apply for a loan with my bank, where I was denied and told Equifax showed no credit file for me. I reached out to Equifax via phone and was told I needed to send in proof of who I was, therefore I mailed in a copy of my drivers license and social security card. I was told I would receive communication from Equifax within XXXX weeks of receiving these items and have not. I have had great difficulty with their customer service and often can not understand the person who I am speaking to. I was a part of the data breach Equifax had and am unsure if this is related, as the other XXXX credit reporting agencies have had no issues and show accurate information.
Product: Debt collection

I keep getting a letter from Loan Care appears they are involved with mortgages. 
I have searded public records in my home county and the county of the home XXXX XXXX XXXX XXXX nothing appears being filed under my name or company. 

XXXX XXXX XXXX XXXX ( in recpt of letter ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ... 
XXXX XXXX ( sending me letter W/O purpose no XXXX with them ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) I am submitting this complaint regarding violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) by EQUIFAX. 
Despite my previous correspondence ( Letter XXXX XXXX ] and XXXX XXXX dated ( XX/XX/year> AN XX/XX/year> ) which requested the removal of the above-mentioned account due to inaccuracies and failure to validate the information as required by law, EQUIFAX has not conducted XXXX proper investigation nor provided the required documentation. 
Reasons for Complaint : XXXX. Violation of the FCRA : o Investigation Requirements ( 15 U.S.C. 1681i ) : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

o Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information.

o Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section.

o Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : Credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a dispute. To date, I have not received this required information.

o Invocation of 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) : I am invoking these provisions to request the removal of this account and to demand proof of its verification. The failure to complete this verification constitutes an abuse of my rights.

5. Violation of the TILA : o Disclosure Requirements : [ EQUIFAX ] failed to provide accurate and timely disclosures regarding the account status, breaching the TILA requirements.

6. Federal Consumer Protections : o Title 15, Chapter 41 : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

o Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. The response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

Immediate Action Requested : Delete Immediately for Violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) : XXXX. Creditor Name : Account Name : Account Name : XXXX Account Number : XXXX below the inaccurate information persistently affecting my credit report.
Product: Credit card or prepaid card

I was feeling rushed checking out a Target, and the nice teenager checking me out asked if I had a Target card and briefly explained that I could save whatever percent if I signed up for one ; I was buying something expensive, so I tentatively said yes and started signing up. 

I should have known to stop the process when the employee told me that this would be a huge relief to her, as there was a huge amount of pressure being put on them to push the cards from management. The predatory marketing issue here is that this absolutely seems like you're signing up for a loyalty/savings store card ( as is common at store check-outs ) when it is in fact a credit card. Target employees had either poorly trained on explaining how the card works or instructed to be intentionally misleading. I finally stopped when the prompt screens began asking income information and for my social security number, but then my checkout person repeatedly assured me that this would not affect my credit and I would not receive a bill if I just didn't activate the card -- so I went ahead, just trying to get out of line and get a discount, thinking I had paid with my normal credit card I'd swiped. 

I genuinely believe that she just didn't understand how it worked, and we were both in a hurry ; credit cards are serious legal agreements with financial consequences that can follow people and their families forever -- they should not be sold at check-out like pack of gum. A separate counter, at least, where there's someone trained to explain the contract you're entering into would make more sense. 

Anyway, I read the receipt when I got home and called and successfully cancelled the card within 20 minutes of signing up, but I still got a card in the mail, and I am still getting statements, and have been told by Target card representatives that there is " no way '' for them to delete my information from their databases. I have also been alerted by the credit unions that my credit score has gone down as a result of this incident.
Product: Credit reporting or other personal consumer reports

I requested that the reporting company - XXXX XXXX XXXX delete their posts of accounts that I don't have with them. 

The company has been unresponsive to this request and so I have sent written request that the company provide validation of the accounts they are reporting to the consumer credit agencies. 

I've written to mcm requesting they remove these accounts that they continue to report to the consumer agencies. 

I did not give permission to this company to access my personal information for their gain or mine. I have not opened accounts with mcm or provided them with the information that would allow them to open accounts on my behalf. 

I have also let the consumer reporting agencies know that they have accepted inaccurate information and their refusal to remove these accounts puts them in violation of the Fair Credit Reporting Act along side mcm. 

I request that you investigate these mcm entries immediately and remove them from my credit report, as it is both inaccurate and unauthorized. 

Please remove the entries as requested and provide me with written confirmation when this request has been completed. 

Thank you.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.