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

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTIN TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX is also reporting my XXXX of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XXXX of XX/XX/XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. Ally financial can clearly see in the online portal that the payments were made within the 30 day time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue I have been having with Experian regarding a dispute I made with XXXX XXXX XXXX. I had requested that they correct an error on my credit report concerning the date of charge off for a credit card account. 

Unfortunately, Experian failed to correct the dispute as requested, and as a result, the date of charge off was changed from XX/XX/XXXX to XX/XX/XXXX. Both of these marks on the credit report for XXXX  XXXX XXXX are incorrect and inaccurate because the actual charge off date should be XX/XX/XXXX. There should only be one charge off listed on my credit report. 

Furthermore, Experian did not correct the closed date for the account. Instead, they replaced it with a charge off mark on the payment history section of my credit report. This is causing significant damage to my credit score and is affecting my ability to obtain credit in the future. 

I have attempted to resolve this issue with both Experian and XXXX XXXX XXXX but have not received a satisfactory response. I am hoping that you can assist me in resolving this matter and ensuring that my credit report accurately reflects my credit history. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

DISPUTE CASE # XXXX {$150.00} I placed an order with a merchant when I received the order one of the shirts were too small and the other items had gotten wet they were damaged I don't know if it was water or what it was but they arrived at my home wet I immediately followed all the merchants return procedures and began to return the merchandise with their shipping label they received the merchandise and have been giving me the run-around ever since this is when I turn to discover to help me get my money back I've given discover the information that they've asked for they have the tracking information I explained in detail what had happened and I even sent a follow-up email to discover adding a little bit more information instead of just taking that information they told me I needed to call or I needed to mail it in there's nothing really to mail-in I'm just giving you more information I'm giving you my account of what happened we've gone back and forth discover and I it shouldn't be this difficult just to give them information I mean so far they've done nothing my most recent email came from a woman named XXXX she informed me that she closed my case because she saw a credit on my account from the merchant the trouble with that is she didn't bother to really pay attention there were two separate transactions with this Merchant two separate orders that have absolutely nothing to do with one another the refund she seemed has to do with the original order again not disputing that order don't have any problems with that order on the other hand the other order is the order I'm having issues with in the one that I attempted to dispute I would love for somebody tell me why XXXX closed my case I can't help but wonder if it's because she's not paying attention to get rid of me that you didn't bother to see that that credit had absolutely nothing to do with my dispute terrible customer service XXXX clearly needs some more training
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 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : U.S. Bankruptcy Court # XXXX Account Name : XXXX XXXX XXXXXXXX 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

On or about four months ago Midland started contacting me after they bought XXXX   account. So, as their attempt to collect on the debt, in this email to a lawyer this is a snapshot of some of the threatening tactics used by the personnel listed in said email : XXXX XXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXXXXXX XXXX  To whom it may concern : Right now as we speak, the above mentioned credit collection agency is attempting to collect on previous debt, that they have bought from XXXX XXXX  XXXX. Now, it is my understanding that under Georgia Law and the F.C.R.A I have certain rights as the debtor, it is my intention on paying some of the alleged debt, but the person I spoke with on the phone is only giving me verbal promises, and as such I am not fully confidant of XXXX XXXX ' sincerity nor her agreements for me to pay on or satisfy said account. 


I would like a free consultation on matters I can take, there has been two letters outlining what is owed but validation can still be sought, the letters state, that around the XXXX of this month debt would be considered valid, as I am in the pre- legal status what ever that means. 



Sincerely, Mr. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to all 3 CRA 's and they have violated me yet again. I have old address and information that does NOT belong on my report. I t is to be removed NOW or I will be filling out a fruad report with the FRCA, Inspector General of the US as well as a police report for identity theft. Any name that is NOT XXXX XXXX XXXX and any address that is NOT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX MUST be removed from ALL of my reports.
Product: Checking or savings account

On Monday XX/XX/2022 my husband and I requested ( via telephone ) an XXXX transfer of funds from our Ally Bank JOINT on-line savings account to our XXXX XXXX XXXX XXXX account. We provided the Ally Bank all information required, as we had a XXXX XXXX representative on the other line helping us. We were told that this would take a few days. By Thursday, XX/XX/XXXX morning, no funds had been transferred. We again called Ally and requested that they wire transfer the funds, as we were now frustrated and willing to pay {$20.00} for a wire transfer. We were told by the Ally representative that a wire transfer must be initiated on line. At approximately XXXX XXXX  on Thursday XX/XX/XXXX, we completed the on-line wire request form and I received a confirmation e-mail at XXXX XXXX  from Ally Bank XXXX We were told that a representative from Ally would call us to confirm the transfer. We stayed home all Thursday afternoon waiting to receive this call. No call. No wire transfer. Friday was a bank holiday, so Monday morning we called Ally, waiting on hold for almost half an hour. Were were told that the wire transfer department was closed and there was nothing we could do until they opened. The representative, XXXX, would not give a message to the wire transfer department to call us back, as we did not want to wait on hold again. We then tried an on-line chat. Chats with XXXX and XXXX did not resolve this issue. However, XXXX told us that we needed to call back and ask for the Loss Prevention Department. Another phone call back to Ally ( they only have one number, so no direct line to Loss Prevention or Wire Transfer Departments ). XXXX at Ally informed us that Loss Prevention would call us, that we could not initiate the call to them ( XXXX was WRONG ). Ally 's wire information states that wire transfers must be reviewed by them by XXXX XXXX  in order to go out that day. At XXXX XXXX  I received a call from Ally ( while I was shopping at XXXX ). They asked many questions, mostly about the receiving account at XXXX, information that I had already submitted via their on line wire transfer form. As I did not have that information handy ( at XXXX ), my husband had to call XXXX and have them tell us the information while we held our two phones together on speaker phone ( IN THE MIDDLE OF XXXX WHERE ANYONE COULD HAVE HEARD THIS CONFIDENTIAL INFORMATION!!! ) so the Ally representative could be satisfied. It is now XXXX XXXX  EST and the wire transfer has not yet gone. We started this process over a week ago. This is our money. It does not belong to Ally. I think that Ally Bank needs to be fined or punished for keeping a customers money long after they have requested it. In addition, the {$20.00} wire transfer fee should be reimbursed to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Product: Checking or savings account

overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

I bought concert tickets on XXXX in XX/XX/XXXX and the concert is on XX/XX/XXXX. XXXX said they will send me the ticket on XXXX and I saw the same ticket was still on the listing on other website. It seemed like fraud to me so I disputed the transaction but Bank of America denied. I received tickets on XX/XX/XXXX, but different tickets that it was supposed to be. Seating is completely different. I can't dispute anymore since it's been more than 60 days from the purchase. And XXXX insists it's " better '' seating than from listing, but I don't believe so. Really, this is not fair. 

Above is the case XXXX I submitted that complaint on XX/XX/XXXX. After submitting a complaint, BofA contacted me many times, but they're in eastern time and I was in pacific time. We are in different time zone. I couldn't make their time which is XXXX Eastern Time. For three days, I woke up at XXXX to call and talk to them, but I was always referred to voice message system. XXXX XXXX who was in charge never returned my call. Then, she just closed the case. Seems like Bank of America just doesn't want to deal about this matter. They just want to close the case. I am just so disappointed and frustrated how they're so unprofessional and not on customer 's side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, XXXX XXXX, previously XXXX XXXX, and I am writing this complaint today because EQUIFAX violated my consumer rights as well as invaded my individual privacy. I notified EQUIFAX on multiple occasions that they NEVER had my consent to furnish my consumer report to various institutions. They neglected to abide by federal law as well as protect my consumer rights! They furnished my consumer report to 7 institutions on XX/XX/XXXX and 4 other institutions on XX/XX/XXXX without my DIRECT consent or without permissible purpose. This caused damages to my consumer report and according to EQUIFAX 's erroneous " scoring '' they labeled my credit worthiness as " poor '' for having multiple " hard inquiries ''. I spent months disputing these negative remarks with EQUIFAX over the phone with multiple representatives all to which refused to. These representatives stated inquiries are factual information and must remain on the report for two years! I had no success getting these items removed from my consumer report or receiving documentary evidence from EQUIFAX of having my consent. On XX/XX/XXXX I decided to submit a CFPB complaint ( # XXXX ) requesting to have these items removed. I also reported the identity theft to the Federal Trade Commission because my information was in fact shared without my consent. I provided a copy of FTC report along with the complaint. On XX/XX/XXXX I received a confirmation by post mail from EQUIFAX stating that they had deleted the inquiries from my report. Over a year later! I am demanding that EQUIFAX be held accountable for the criminal acts they have committed. I am holding them accountable for being in violation of my consumer rights and defamation!! To simply mail me a letter stating these items were deleted does not excuse the fact that they caused damages for over a year! I am also demanding that these institutions be held accountable! They obtained copies of my consumer reports without having my direct consent prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX. 
Company 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.
Product: Money transfer, virtual currency, or money service

Square disabled my account out of nowhere with no explanation or reason. XX/XX/XXXX ) Won't allow me to speak to the department at all. I've done almost a XXXX in business In less than a year with 0 disputes or charge backs. They are holding {$10000.00} for 90 days even though my industry has virtually no refund policy. I am unable to pay my employees. They won't even allow me to refund people and be paid a different way.
Product: Credit reporting or other personal consumer reports

XXXX OBTAINED MY PERSONAL INFORMATION AND REVOKED MY RIGHTS TO PRIVACY AND HAVE COMPROMISED MY IDENTITY THROUGH A THIRD-PARTY COMPANY
Product: Checking or savings account

To whom it concerns, in a previous response Navy Federal Credit Union. Advised me they received my notice of discharge XX/XX/XXXX. Chapter XXXX discharge in bankruptcy. It was stated I could re establish my membership if I met criteria. I still meet the criteria, but when I called to re establish my membership on XX/XX/XXXX. I was told that I couldnt re establish it until I talk to collections. It was told to me there was a negative share and checking account negative over {$3000.00}? I dont recall ever making said transactions especially not for that amount. My account was not accessible so how is that possible? Additionally I included that share and checking account in my bankruptcy filing which has been XXXX. Yet Navy Federal doesnt update their internal system reflecting such. I would like to re establish my membership. Im not sure where the {$3000.00} in charges came from since I havent had a debit card for that account since XXXX. Please assist me in updating your records correctly so I can open a new share.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I've called Bridgecrest and XXXX numerous of times ( about 8 times ) within 3 months about getting my car re-registered in a different state they called it " move request ''. They keep telling me that the " title department '' needs to " perfect '' the title to send over to Penn Dot. Then they tell me that the title is " in house '' and will be expedited as soon as it is done. I have been trying to re-register my car in a different state than I purchased it since XX/XX/2024. I'm driving in PA with a NJ  tag. I NEED this problem resolved ASAP! I can't be driving like this. It is illegal. Also, I paid XXXX XXXX tags  ( XXXX ) XXXX {$88.00} to help me with the process of registering my vehicle in PA.
Product: Credit card

XX/XX/year> I received XXXX email from company that's illiterate. To my understanding computer hackers spell cusotmer name wrong amd are in practice of denying customer account while customer is a armed US citizen entitled to a charge card. The debit card is for unarmed citizen with employment and the charge card is for armed citizen registered as US consumer. I need a charge card with account. I write to notify company of illiterate email reference # XXXX.
Product: Checking or savings account

I received emails from Current thanking me for opening an account with them. I had not opened such an account. I submitted a complaint online and after much back and forth via email, they gave me a phone number ( XXXX ) to call. When I spoke with the Current representative on XX/XX/2023 at XXXX ET they said they were escalating to their fraud department. He confirmed that my DOB and email were used to open the account but could not tell me any portion of the SSN used and only my state for the address. 
Since the XXXX, I've received nothing from their fraud department and continue to get emails from Current about fees I will incur, including for lack of activity on the account. 

I called their XXXX again today, I was advised to wait 24-48 hours from my original complaint to hear from their fraud department. It has been much longer than that already so I asked them to connect me to the fraud department. She stated they only had an email address, no phone number on file for the fraud dept. So I'm left waiting with no resolution... this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT acct with bank of america na is showing a balance of XXXX owed with late payments past XX/XX/XXXX to present date. it is showing missed payments from XX/XX/XXXX and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from bank of america was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX the have also violated the consumer protection act by not replying to dispute letter dated XX/XX/XXXX to dispute this acct. they stated that they did not receive the letter at bank of america address. but the address sent to is the address on the credit report that they send to all agencies. the address on credit reports are bank of america XXXX XXXX XXXX XXXX florida XXXX. I will attach letter receipt to show they revived it. plus other information from prior case number. plus they are adding late payments on this acct every month after notice to cfpb of actions to be taken.with reciept of letter and constant late payments request XXXX per incident. no reply in 30 days. and no correction done on credit reports. I hav called XXXX XXXX and left vm multiple times with no reply on this issue.TOOK OVER 30 DAYS ON MULTIPLE COMPLAINTS