23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states : " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and Experian DO NOT have my consent to furnish this information and they DO NOT have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX  and Experian are not maintaining reasonable procedures. Also, 12 CF 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' So, I am OPTING OUT OF YOUR REPORTING SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, I do not recall doing any business with either company. I demand a copy of any type of proof for claim. I have no business dealings or paperwork until then please delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports. This is my second request under FCRA Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

Using the XXXX credit card Navy Federal issued to me, I took out a cash advance of {$2300.00} on XX/XX/year>. The teller informed me the transaction would post to my account the next day and that I could pay off this amount then. In the recent past, I had always been permitted to pay my XXXX credit card prior to " posting ''. I returned the next day, XX/XX/year> to pay off the amount and the teller would not take payment. The teller said the amount still had not " posted '' to my account. Beginning XX/XX/year> Navy Federal now charges me interest on all amounts beginning the day of credit card use and daily interest charges. I am XXXX. It is unfair that Navy Federal can now refuse to take payment until an amount " posts '. Navy Federal performed the transaction. They should not be allowed to enrich themself by refusing payment prior to " posting ''. They had always allowed payments prior to posting in the recent past. There is no legitimate reason for refusing to allow payment prior to " posting ''. 
I was NEVER notified that payments prior to " posting '' would now be refused.
Product: Credit card

I was attempting to return some items at the store and I was told that my account did not exist and that my refund was going to a gift card I did not own a gift card or request one and there is not one on my account. When I receive my bill I noticed that I had been credited for the returns but it never credited back to the original payment method which was closed by Capital One and a new card was issued. The old card ending in XXXX. The new card ending in XXXX. I do not have a gift card ending in XXXX. I don't think I should be on the phone trying to get my money put back to the original payment method I am requesting that either I get a check for a refund or it goes back to my original payment method. I will send a bill for {$560.00} that is a cooling interest and my money is being tied up my refund is being tied up in a gift card I can not afford this type of hardship.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX  XXXX {$7300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX me and my ex husband XXXX XXXX owned properties in XXXX CA. He indicated to me that we where losing them in foreclosure. He unfortunely went behind my back and filed for bankruptcy to save the homes and continue collecting rent. I was never made aware of this. He filed joint bankruptcy paperwork without my knowledge. My next step is to file a police report with the XXXXXXXX XXXX XXXX. I am unsure if he filed taxes in those years also.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX CLAIMS I HAVE AN ALLEGED DEBT. 
XXXX HAS BEEN HARRASSING ME FOR MONTHS. THEY FIST STARTED WITH PHONE CALLS AND NOW ITS DAILY EMAILS XXXX HAS SENT COMMUNICATION THROUGH MEDIUMS OF MAIL DELIVERY PURSUANT TO 15 USC 1692C XXXX IS IN VIOLATION DUE TO CONTACTING MY WITHOUT MY CONSENT. 
PURSUANT TO 15 USC 1692D XXXX IS IN VIOLATION DUE TO REPEATED PHONE CALLS & EMAILS. 
PURSUANT TO 15 USC 1692J XXXX EMAILS SHOWS 2 COMPANIES TO WHOM ALLEGED DEBTED IS OWED COMPANIES BEING LVNV FUNDING LLC & XXXX XXXX XXXX  THESE COMPANIES ARE IN VIOLATION OF 15 USC 6801 DUE TO NOT CONCEILING MY PRIVATE INFORMATION
Product: Vehicle loan or lease

I'm placing this formal complaint against Capital one finance- They have access to withdraw the loans funds each month-I manage to pay the car off and received my TITTLE later they told me I own them {$200.00} of interest .I paid that they reported my car as to charge off or repossession-That is not accurate information car is in my procession.I have called them several time and even sent car tittle to all credit bureaus, they did absolutely nothing. 
This agency is violating my rights by using false misleading, misrepresentation and deceptive means
Product: Debt collection

I have been getting robot calls from a company that states that I have a XXXX debt with Cit Bank. This is untrue and I have disputed this. This card was opened illegally in 2011. Yesterday the calls began. I had a conversation with 5 people who after I identified myself and denied the debt, we would get disconnected. XXXX XXXX. 

Today the calls have started back up. When I call they hang up. I left two messages. The last message stated that I just needed information. It seems that they would talk and explain. The number that calls is XXXX ( XXXX ) XXXX. 

Thanks for your attention on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to all the CRA 's : XXXX, Equifax, and XXXX on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing.

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts.

This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am formally filing a complaint against XXXX and the credit bureaus regarding their failure to investigate disputes on my credit report. 
I submitted dispute letters to XXXX, Experian, and XXXX regarding inaccurate information reported by XXXX on my credit report. Despite providing clear documentation and evidence supporting my claims, neither XXXX nor the credit bureaus have initiated an investigation into the disputed items. This negligence has had a detrimental impact on my creditworthiness and financial standing.
Product: Money transfer, virtual currency, or money service

I want to file a complaint against Cash App Block Inc.
Product: Money transfer, virtual currency, or money service

Im reaching out to share my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit that brought serious issues to light. Despite using Zelle regularly and reporting discrepancies in my transactions, neither my bank nor Zelle took my claims seriously or investigated them properly. I was told recovering the lost funds wasnt possible and that tracking these transactions just couldnt be done. The CFPBs findings show that Zelle has failed to protect users and allowed scammers to repeatedly exploit the system, leaving people like me vulnerable. This lack of accountability and transparency is concerning and makes me worried about the platforms commitment to user safety.
Product: Student loan

Very confounding by in XXXX funds are being allocated for payments. Also due date on which funds are taken changes
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are XXXX to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX A XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I received a credit card offer from Citi, which I did not request, with a second card which has the name of a person I do not know. This is very dangerous because I'm assuming that once I activate the card that second person will be allowed to use the card. I would like to know how something like this happens.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account Name : XXXX XXXX Account Number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

This complaint is to inform the cfpb that Transunion continues to be corrupt and discourteous in regards to the XXXX XXXX XXXX account # XXXX that is wrongly placed on my credit report. I received a correspondence from Transunion dated XX/XX/XXXX FILE NUMBER XXXX stating that due to the result of the investigation, the the XXXX XXXX XXXX account was DELETED And the account information was updated on XX/XX/XXXX. I followed up on another copy of my credit report XX/XX/XXXX and discovered that the illegal account is still being reported on my credit report. This is evidence that Transunion is knowingly reporting False Data on my credit report. Which is a blatant violation of the Fair Credit Reporting Act. They conducted an investigation, found that the item did not belong on my credit report, but they continue to report it. The company continues to ruin my reputation and I will be seeking damages from all parties involved if this matters isnt resolved in ten days. 
Along with this correspondence, I am including a copy of the deletion letter that was mailed to my residence on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus ( XXXX, EQUIFAX, XXXX ) have deemed a company as verified by the name of XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my consumers report. I asked them to solidify their reasoning, which leads them to believe that a debt is owed by me to these companies or company. The credit Bureaus have lead me to believe that they conducted a improper and incomplete investigation into this. There are three different company names on each of the Credit Bureaus sites. Due to this incorrect information, it leads me to believe that they did a improper and incomplete investigation, without providing the original documentation requested.
Product: Checking or savings account

I opened a savings account with Citi Bank online on XXXX and deposited {$130.00} into it. The next morning of the XXXX they have blocked it. I call them to see what the problem is and they direct me to the fraud department. They tell me they closing the account and funds will be sent to my address. They told my account would be closed 5 business days from the XXXX. They haven't done anything. I call them today and they tell me they can't verify my account because of my phone number is not on file. This the same number I opened the account with. They say I have to wait for a letter in the mail and refuse to help me or tell me anything about when In receiving my funds.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Accounts Under FCRA Violations https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-experian-for-sha m-investigations-of-credit-report-errors/ Dear Experian Dispute Department, I am writing to formally dispute the accuracy of multiple accounts on my credit report. I was a victim of the Experian Data Breach, and my personal information was compromised, leading to fraudulent accounts and reporting errors. 
Furthermore, I have been directly affected by the violations outlined in the recent CFPB lawsuit against Experian regarding improper dispute handling, reinsertion of deleted information, and failure to ensure accurate reporting and I demand their immediate removal. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is legally required to conduct a thorough and reasonable investigation of disputed information. 
However, based on the lawsuits findings, it is clear that Experian has : Failed to properly investigate disputes ( 15 U.S.C. 1681i ( a ) ) Failed to notify consumers of investigation results ( 15 U.S.C.

1681i ( a ) ( 6 ) ) Reinserted previously deleted inaccurate information ( 15 U.S.C.

1681i ( a ) ( 5 ) ( B ) ) Failed to ensure maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ) I demand that Experian immediately investigate and remove the following accounts, as they are inaccurate and affected by the lawsuit : Creditor Name/ Account Number/ Balance/ Date Opened XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX / {$0.00} XXXX XX/XX/XXXX XXXX XXXX / XXXX / {$0.00} XXXX XX/XX/XXXX XXXX / XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX $ XXXX XX/XX/XXXX Experian, I am a victim of your malpractices-the same unlawful practices that led to your lawsuit. I demand that you remove these accounts immediately and correct my credit report without delay. 

Per FCRA regulations, you are required to complete this investigation within 30 days and provide me with a written response detailing the actions taken. If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to provide me with a detailed explanation of your findings, including whether any items have been corrected or removed. If any of these accounts are verified, I demand that you provide clear and documented proof of their legitimacy. 

Please respond in writing to the address provided above. If Experian continues to violate FCRA regulations, I reserve the right to seek legal action. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

This is in regards to WELLS FARGO BANK and their banking practices : on XX/XX/XXXX : I deposited a checked given to me by a business owner from his business account and I deposited it into my Business checking account. {$400.00} only available. 
XX/XX/XXXX : The rest of the funds were supposed to be made available. But now I get a message saying only 50 % is available next day and the rest will be available in a week. 
XX/XX/XXXX : Only half of the remaining money is released. I walked into a branch and spoke to them about why funds were not available. They said corporate did it and to call. 
XX/XX/XXXX : I called and still was given nonsensical answers.