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 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 has violated my rights. 

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

15 U.S.C. 1681 section 602 A. Section 2 : It 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 items of information, other than records of conviction 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

the customer service department did not help remove the negative inquiries that are reporting on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a request to the credit bureaus to investigate errors on my credit report. They were supposed to respond with the results within 30 days. Its been over 45 days, and I have yet to receive a response from XXXX or Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$9200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Product: Mortgage

Good morning. This is the 5th time I have written. No solution is in site. Bank of the West seems to talk out of both sides of their mouth. They tell " half '' the story when responding and believe that it will resolve the complaint against them and their wrongdoings. 

The bank ca n't have it both ways -- ignore the relevant facts and only point to the facts they feel should be looked at and support their way of thinking. 

Please let me explain -- One -- BOW refused to renew my 10 year loan based on a credit score that was below their threshold for renewal -- true. But again, that is a " half truth. '' They are the ones that caused the lates on my credit report that reduced the score. In other words, they unilaterally created / lowered my credit score for which they ultimately used against me to not renew. How can that be right / legal? 

Two -- For almost a year and a half, I have noted this problem as a note to my monthly payment. ( see attachment herein ) Every month, without word, Bank of the West cashed this check. They claim that there is a paragraph in our note saying they can ignore any written language on a note - true. But again, that is a " half truth. '' There is language, but it is not legal language nor is it enforceable language. 

If they do n't agree, they should n't cash the check. But they have, since the beginning of last year. This is not an isolated incident, but an ongoing habit of theirs. 

There is no known law that says they can proceed as they have. It is just " bully '' language by the lender. 

Bank of the West wants it both ways. That is not right. Please help me to hold them accountable to what is right and the law. Thank you.
Product: Payday loan, title loan, or personal loan

In XXXX I when shopping for a Home Equity Line Of Credit ( HELOC ) so that I can pay off bills and make home improvements. On XX/XX/2018 I went to Regions Bank mainly to ask questions and gather information to see if this is where I wanted to apply for the HELOC. They were very helpful and answered all my questions. I shared with them my credit score, my personal finance and some of the negatives that I had on my credit history. I was trying to get from them, if I should or shouldn't apply based on the information I was providing. I knew that applying would result in a HARD INQUIRY on my credit which would affect my credit score. I didn't want to apply if the information I was sharing didn't prequalify me to move forward. But from the positive response I received I didn't see a reason not to apply. I was informed that the underwriters makes all the decisions on the applications. 
After weighing everything I returned To Regions Bank on XX/XX/2018 and applied for a HELOC. By the end of the day on Wednesday, XX/XX/2018 my credit application was denied. Now I have NO HELOC and left with a HARD INQUIRY on my credit. I have a checking account with Regions because I like them. So I'm not trying to hurt them. I need your help in getting their HARD INQUIRY off my credit report IMMEDIATELY so I can continue to search for the financial product that I need to do what I need to do for my home and personal finance.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year>
Product: Credit card

I got an Apple Card 3 months ago with my friend 's referral. But they still haven't paid the {$75.00} referral fee. At first they asked me for photo proof. I sent it to them. But this time they asked for my friend 's email address. I gave it to them. But now they say they can't approve it.
Product: Checking or savings account

This complaint is the follow-up of the complaints ID XXXX AND XXXX AND XXXX AND XXXX AND XXXX AND XXXX. 

Capital One 360 finally refunded me back the last XXXX transaction of {$7.00} that occurred on XX/XX/year>. 

However, I am demanding Capital One 360 to terminate their employee " XXXX  '' because it took me a total of SIX COMPLAINTS to finally make Capital One 360 to refund me back my money.
Product: Debt collection

In XX/XX/2021 I noticed a new credit card popped up on my credit report named XXXX XXXX Credit Card. I never gave anyone permission to charge the card. I was speaking with a plastic surgeon coordinator  about getting XXXX but then I told her I no longer wanted it once I saw they were willing to do XXXX on me with a XXXX XXXX. Months later I see a charge on the credit card for {$6500.00} that I never authorized. I have been disputing this charge for 2 years but it has yet to be removed. The cosmetics company stated they can only charge a card if I gave them authorization so that I needed to reach out to XXXX. XXXX stated the cosmetic company told them I received a XXXX in there office in XXXX. I have never been to XXXX a day in my life. Both places are placing the blame on each other when I never had XXXX, never agreed to XXXX, never picked a XXXX or date!
Product: Debt collection

The month of XX/XX/2020 Wakefield & Associates was send a certified letter asking to send me information about this account and this company refused.I have send several letters and made several calls to this company requesting the following : -Please provide copy of sign contract XXXX in its original form ) that shows I agreed to pay your company for your services. 
-Copy of bill statements from you company for the months of XXXX, XXXX, XXXX and XXXX. 
-Provide copy of any judgement from courts stating I must pay Wakefield And Associates for their services. 
-All statements from original creditor. 
-Provide your company license number. 
-Please break down and explain how you calculated the balance for this account from your company.
Product: Credit card or prepaid card

I was in and out the XXXX XXXX XXXX XXXX XXXX, so I wasnt actively paying attention to my bank activity nor did I realize my card was stolen because I was inside & only making purchases online where I was using my saved card details. A little over a week ago I was alerted that my account was in the negatives which made zero sense to me so I called and and had a discussion with my bank. After reviewing some charges I seemed there was multiple out of state charges so I called my bank and we filed a dispute, they told me to give them 10 business days to find a resolution. On the 9th business they closed they dispute and told me they didnt find an error which is impossible because I was not in Florida XXXX I have doctor appointments to prove and hospital records. 


The charges are here 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 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 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 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 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 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: Checking or savings account

Im writing to complain about NFCU regarding overdraft fees I incurred over the years. Despite having the funds when transactions were made I was charged fees due to lagging posting of charging and funding. This aligns with the recent cfpb findings against NFCU for similar practices where transactions settled with insufficient balances despite initially available funds. I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

So I had an account that was closed and charged off I contacted the company and ask if I pay the balance of would they remove it from my credit after they receive the payment and they told me yes and I ask for a copy of this agreement and they said they were going to send it and never did and never deleted it from my report and also they are reporting pass due and late payments on my credit report please delete this account as promised
Product: Credit card

In the mail, I received a letter from Chase and XXXXXXXX XXXX stating that I applied for an Amazon XXXX Visa XXXXXXXX account. I did not do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : I disputed an amount of {$670.00}, this account was not accurate. I would like this removed from my report. 

XXXX XXXX XXXX account # XXXX : please have removed from credit report Amex account # XXXX Late payment was added to credit report which was incorrect and I've been on time with all payments. Please remove from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

30 day late pay on credit report from XX/XX/2011
Product: Credit reporting or other personal consumer reports

I have a fraudulent account currently appearing on my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in enrolled in a debt consolidation program with XXXX XXXX XXXX and 4 of my accounts were paid off under the agreement and the creditors are still reporting negatively. When I enrolled into the program it was suppose to help build my credit but it has affected me tremendously. I've disputed the results and nothing has change. What help is the program if it's not helping. I need help. These are the settlements that were negotiated, The accounts are XXXX XXXX {$4700.00}, XXXX XXXX {$1300.00}, BANK OF AMERICA {$1200.00}, and XXXX  {$2400.00}. I can provide more documents if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I am a victim of identity thieft. I'm trying to fix the inaccurate, incorrect and misused information on my profile multiple times. The credit company is refusing to fix and correct issue and claim it's verified.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently files a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Its been over 30 days and the creditor ( FEB DESTINY AND XXXX XXXX XXXX ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from the report as soon as possible. With the Fair Credit Reporting Act this creditor has violated my right under 15 USC 1681 section 6 o 2 I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I contacted XXXX to pay my student loans and was asked why have I not gotten into a student loan forgiveness program, the agent that I was speaking to his name was XXXX. I told XXXX that I did not qualify for a student loan and he asked me a couple questions about my income and told me that I would be a good candidate he told me that to start the application it would be a payment of XXXX and three more payments of XXXX after that. He said that once I was done making then payment as long as my income stayed below XXXX a year that I would qualify to get my loans dismissed. He said that company that I would be going through would be with Timark Solutions witch is an affiliate with XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous account in my credit file ; however, there is still an account that needs to be DELETED. The credit bureaus must verify these account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this account will be DELETED immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since 2004 I have been a victim of Identity Theft in which I have already reported more than XXXX times to the police. I have notified the XXXX, XXXX XXXX, XXXX XXXX, XXXX and the Three Credit Agencies. The problem is that the Credit Agencies, knowing the problem I have with my identity, continue to allow individuals to obtain loans and credit cards in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached with Equifax and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one XXXX  but Equifax and XXXX  have done nothing.
Product: Money transfer, virtual currency, or money service

I was using cash app when I noticed a transaction where I had allegedly transferred money to another cash app account with my name on it.

I emailed them since I couldnt get into contact with a live agent at all. Only available way to make contact was email.

They said that I had another account open when I did not and verified I had only one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is crucial in ensuring the accuracy and integrity of my credit history.
Product: Checking or savings account

My debit card was stolen and multiple fraudlent charges were made to my account. I am currently banking with Chime and after disputing the charges Chime refuses to update me or issue credit for the charges that occured.
Product: Credit card

I went to my local Bank of America branch to open a checking account and was told they could not proceed with my request because my social security number was already in use by another customer. I went home and created a mySocialSecurity account online and verified there are no unidentifiable earnings attributed to my SS #, so no one is using my number for work purposes. I then ordered my free annual credit report and identified one, open Bank of America credit card account that does not belong to me with a historical high balance of {$5400.00}. Bank of America referred me to the SSA but since this is not a work/earnings issue there is nothing for them to do. How do I get Bank of America to investigate on their end?
Product: Money transfer, virtual currency, or money service

Dear CFPB I have filed a complaint regarding NMLS ID XXXX. 

In the second half of XXXX, I opened an account with a XXXX XXXX wallet company called XXXX and deposited a certain amount of XXXX XXXX Later, due to XXXX 's policy adjustments, XXXX was required to stop its business in XXXX , so it moved its business to the United States . 

At that time, I used my account through the email XXXX. But since the company 's business was transferred, they have never contacted me through this email again. Now, the XXXX XXXXXXXX website has also been closed, and I can't log in to my original account. I have tried to contact the company through other channels many times, but I have never received a satisfactory response, and things have been delayed again and again. 

As far as I know, XXXX  is currently operating in the United States , holding an MTL license, NMLS ID XXXX. According to the long-arm jurisdiction principle of the United States , as long as the company maintains minimal contact, I still have the right to sue them in the United States . 

I have evidence, such as the email the company sent me when I first withdrew XXXX, etc. I would like to file a complaint with XXXX  and ask them to resolve the issue as soon as possible and recover the XXXX  I deposited in their account. 

As of the time I wrote to you, XXXX  has not resolved the issue and has been delaying. 

We hope that you will take this matter seriously, take necessary administrative measures, and urge XXXX to resolve the issue as soon as possible. If they continue to delay, I will definitely take legal action to safeguard my legal rights. 

Sincerely, XXXX XXXX