23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, or personal loan

I took advantage of a XX/XX/XXXX promotion with SoFi where I would get a {$600.00} bonus if I signed and funded a personal loan. The terms of the promotion can be found at https : XXXX ( XXXX XXXX XXXX : XXXX ). I applied on XX/XX/XXXX ( the cutoff for applying was XX/XX/XXXX ). After waiting for some time, I got a response on XX/XX/XXXX asking me to submit a copy of my SSN card which I supplied the same day. On XX/XX/XXXX I got a response asking me to unfreeze my XXXX credit report which I completed the same day. Then on XX/XX/XXXX I was approved and provided some forms to sign off on which I did the same day and then the funding process began. Now the problem is I didn't meet the cutoff date to sign and fund the loan by XX/XX/XXXX because I wasn't provided the forms to sign off to in the first place by that date in order to feasibly meet the terms of the promotion. I called and asked if I would be receiving the {$600.00} bonus and I was told " no '' because I didn't sign off on the loan by the deadline. This is absolutely ridiculous and predatory because I took a hard inquiry and signed off on a loan I didn't actually need, but applied for anyways to get a bonus that I was supposed to get.
Product: Student loan

I called over a month ago to have them send in an application for my student loan refund and still have yet to receive the refund. I called back this week for updates and they said they do not have a timeline for my refund. This is quite alarming, seeing as other groups have already given out refunds to people
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX To Whom it May Concern, I recently receive a copy of my ( Experian, XXXX & XXXX XXXX credit report and noticed some late payments posted on my credit report. 
Account # XXXX ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES. 
( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer report to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee. 
XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity fraud XXXX. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations XXXX. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I received a letter from Bank of America that an application for an XXXX  XXXX XXXX XXXX credit card had been received in my name. This application was fraudulent On XX/XX/XXXX I contacted Bank of America and alerted them to the fraudulent credit card application. I was assured that the XX/XX/2023 hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
I contacted Bank of America in XX/XX/2023 about this and was told that the XX/XX/2023 hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. 
I contacted XXXX credit reporting agency in XX/XX/2023 with a notarized affidavit of the identify theft that occurred on XX/XX/2023. They opened an investigation and contacted Bank of America regarding the fraud. According to XXXX, Bank of America indicated that the disputed credit inquiries were valid. These were false statements. 
As of today I have never received communication from Bank of America on this fraudulent credit application, and the XX/XX/2023 hard inquiry remains on my XXXX credit report. Bank of America has violated the Fair Credit Reporting Act ( FCRA ) by maintaining false information on my consumer credit report, and so under the FCRA is civilly liable to me for " actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater '' ( 15 USC 1681n ( a ) ( 1 ) ( B ) ).
Product: Checking or savings account

I had disputed charges due to fraud on my USAA checking account I received a provisional credit and then they reversed the credits leaving my account negative {$630.00} which is extremely upsetting because how can they just let these fraudsters get away with this kind of thing and XXXX me over when this is truly a fraud case
Product: Mortgage

Private Bank of XXXX refused to share the appraisal of our home during the negotiation of the sale, resulting in the buyer 's frustration and walking away from the offer. We are now being threatened with having to pay the balance of the loan or renegotiate the terms of the loan as it will shortly become due.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Student loan

It is my understanding that all student loan payments have been paused til XX/XX/XXXX. Navient has not paused mine and they are calling and emailing me to make a payment and threatening to report to the credit bureau. I am currently going through a divorce and right now I can not make payments and they won't help me. Right now it is showing over XXXX past due and it is getting out of hand.
Product: Debt collection

THE COMPANY, XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and Experian are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On jube 5, 1933, Congress enacted HJR- 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currencyare inconsistent with the declared policy of congressin the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumers report or portion thereof in which information on a consumers character, general reputation, personal characteristics mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or who may have knowledge concerning any such items of information.
Product: Checking or savings account

The bank is supposed to offer a {$200.00} bonus for opening an account and receiving 2 direct deposits from an employer of more than {$300.00}. I completed these requirements, and the bank is refusing to honor the promotion. Ive spoken with the bank 4-5 different occasions, each time they come up with a different excuse. They have resorted to making up requirements beyond what is stated in the terms and conditions for the offer ; for example, their latest excuse is that i do not live in a state where they have a branch. It is true that in their offer terms, one requirement is that I must live in a state where they have a branch. However, on the day that i applied, XX/XX/XXXX, this state requirement was NOT listed. it was only listed AFTER i applied. 
To be specific, XX/XX/XXXX account opened XX/XX/XXXX direct deposit from paycheck of {$550.00} XX/XX/XXXX direct deposit from paycheck of {$550.00} " 2 ) Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. Offer is not available to existing BMO Harris personal checking customers ( including signers on joint accounts ) or those who have closed a BMO Harris personal checking account within the past 12 months. Offer can not be combined with any other offer and is limited to one per account. We reserve the right to amend or cancel any part of this offer. "
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX I made a complaint claim num XXXX which Equifax responded that they would removed XXXX XXXX XXXX from my file which they have not done so. please remove immediately. attached is their response
Product: Credit reporting or other personal consumer reports

Experian closed another complaint this morning while notifying me they have responded to 3 more complaints as STILL WORKING ON THE ISSUE how ever the complaint they closed today and all the others they have closed and all these complaints there still working on are all the same which is Experian NOW has stolen 18 months of on time never late payments to XXXX and refuse to give them back
Product: Debt collection

According to the lawsuit there are to 2 CREDITORS There 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I do n't know who the DEBT originated from. 

I only get 25 hours with XXXX XXXX with a wage of only {$9.00} per hour! I never worked for XXXX XXXX XXXX, Also XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX. is asking to me to pay {$6800.00}! That 's equivalent of earning {$4.00} per hour! 

I pay an AUTO LOAN about {$450.00} per month. So that 's $ XXXX {$450.00} per month and the leftover is {$550.00} per month or Annual Salary of {$6600.00}. Since this is my livelihood is {$6600.00} per year ; I will get a negative balance of {$6600.00} - $ XXXX XXXX! 

I ca n't pay the $ ( XXXX ) since I am negative!
Product: Credit reporting, credit repair services, 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 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, has 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 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: Checking or savings account

I also submitted a complaint with Bank of America : XXXX I needed to wire-transfer XXXX to a XXXX account ( in my name ). This had to be done today ( XX/XX/2023 ). My wife transferred XXXX from her BOA to our joint account. The website and app said that the money is available ( see screenshot ). 

I went to a BOA financial center ( XXXX XXXX XXXX, XXXX MA XXXX at XXXX on Friday XX/XX/2023 ) to make the wire transfer. There, I had to wait for an hour ( until after closing time ) and then was told that my money is not available because the XXXX are " processing '' - despite the fact that this was a transfer between two BOA accounts which both had my wife 's name on it and despite the fact that BOA own website said that the money is " available ( as of today ) ''. 

I therefore couldn't do the transfer on time today and I am now facing losses of between 200 ( minimum ) and 600 Dollars. I am supposed to be a " Plantinum Honors client '' but that surely means nothing for BOA.
Product: Credit card

On XX/XX/2023 my payment was posted to my Capital One credit card account. On XX/XX/2023 I received a notification via text message from Capital One that the payment was posted. I did not think they payment did not go thru. On XX/XX/XXXX I received another text message that my balance was of {$2200.00} because of this I contacted Capital One as I was under the impression that my credit card was compromised. I found out the payment posted XX/XX/XXXX had been returned, the account did not notify me of this. I contacted Capital One and they stated they do not provide any special notification if account payments are not posted, why would I receive a text message for a transaction that did not occur. 

They charge accounts for interest for the following XXXX cycles. If they think to charge an account for this long then they should also look at notifying their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently disputed Experian for the verification method used to verify the bankruptcy on my credit report. I have a letter from the Court stating they did not list it, I also have a response from XXXX XXXX stating that my information has been locked. I've asked continuously for their method of verification and have yet to be provided anything but the same response over and over.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I made a MoneyGram transfer fron XXXX XXXX XXXX to XXXX. 
I was very disappointed with the Exchange Rates. 1 TTD = 2.944335 HNL This is the second time I've used there service and until this issue is fix It would be my last. 

I did call MoneyGram and they said that the exchange rates generated automatically and they couldn't do anything.

Notes : Exchange rate in the Internet 1 TTD = 3.59 HNL Other money transfer companies 1 TTD = 3.5648 HNL
Product: Debt collection

The original company I owed dept to was XXXX XXXX. They violated my contract I signed with them. It was in the contract that they were not allowed to contact my place of work for personal calls. I missed one payment and they began to call my work asking for me and how to contact me. This was a violation of the contract I signed. 

They sold my dept to Spring Oaks Capital, a dept collection agency in XXXX, VA. 

The company has contacted me multiple times and I have blocked their phone number. They wait a couple days and call me from a different number. I block it and they change their number over and over. 

I emailed them telling them that what they are doing is harassment and to stop calling me. They continue to call and Everytime I block the number. 

The numbers they have called from are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX called XXXX times that day XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Called 4 times that day XXXX XXXX XX/XX/XXXX called twice that day XXXX XXXX XX/XX/XXXX called twice that day XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX called twice that day XXXX XXXX XX/XX/XXXX called twice that day XXXX XXXX XX/XX/XXXX called twice that day XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As you can see this is ongoing. They call me so much it's insane. It's harassment and they won't stop. I block a number and they get a new one. I want it to stop
Product: Debt collection

AMOUNT {$72.00} Actions taken written numerous letters addressing this issue yet no response.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute of Charge-Off for XXXX XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the continued reportin of a charge-off on my credit report for XXXX XXXX XXXX XXXX account # XXXX. This charge-off has been converted into taxable income and is no longer a valid outstanding debt. Therefore, it should not be reported as such on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, verifiable, and up-to-date. Specifically, under 15 U.S. Code 1681i, if information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or removed from the credit report.

Since the charge-off has been converted to taxable income, it no longer represents a debt owed and therefore should not be classified as such in my credit report. Additionally, this change alters the nature of the account and its reporting under current credit reporting laws, as the amount reported is no longer a liability but an income item that has been recognized by the IRS for tax purposes. 

I respectfully request that you promptly remove this charge-off from my credit report, as it is no longer applicable and reporting it as such is both inaccurate and misleading. 

Please investigate this matter in accordance with the FCRA and provide written confirmation of the removal or any necessary action taken regarding this account. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution.
Product: Vehicle loan or lease

A company under VW credit inc is charging me fees of {$1100.00} that I dont own. This agency is damaging my credit and Ive been up to date with all payments. This issue needs to be resolve as soon as possible.
Product: Checking or savings account

I opened an account on the basis that I would receive a {$500.00} bonus if meeting a XXXX cumulative deposit with 60 days with Wells Fargo. I met the terms and called about the bonus that was not received and was told that I do qualify for the bonus. A case was submitted by the employee per the phone call on XXXX/2017. On XXXX/2017 I received a letter stating that I am not eligible for the bonus.
Product: Credit reporting, credit repair services, 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 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 XXXX XXXX XXXX XXXX  Had 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 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 informations inaccurate.

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: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX has 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 a account without my written instructio
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