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

I previously sent 4 dispute letters to Equifax asking them for verifiable proof that I owe this debt in terms of my wet ink signature or do they have any camera footage or anything the shows 100 % accuracy according to the FCRA section ( 609 ) that I owe this debt to XXXX XXXX XXXX XXXX. On one occasion I sent Equifax a non-response letter certified mail because they never responded to my initial dispute and it was almost two months later when they had 30 days to investigate and they still did not delete these two negative accounts. I even have a copy of the letter from XXXX XXXX XXXX XXXX stating that they have concluded these accounts does not belong to me because they could not validate the account information on their files.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my XXXX credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/
Product: Checking or savings account

Chase Bank scammed me out of my atm deposit!! I deposited {$230.00} but the atm took XXXX & gave me back {$110.00} and told me to call XXXX ( XXXX ) XXXX to see if my deposits goes through which it didnt do I gave them a call & they goes to tell me I will get my money in 10 business days which is absurd! I was depositing money in my account to pay a bill that was charged to my card but since chase took half my money with no problem my account isnt sitting negative $ XXXX dollars!!! They are simply going charge me a {$35.00} or more overdraft fee on purpose because this is the malicious practices that they do & This isnt the first time this has happened! They didnt care that I had an bill to pay & that it would be been paid if their atm didnt eat my money!! Im sick of chase & their malicious practices they need to be stopped! Last time this happend I had my money back within 2 hours & thats what I was told yesterday once I spoke to someone but I wake up today and my account still negative?? They guy tells me today I have to wait 10 days! So what is it 2hrs or 10 days??? They dont even know! This is sick!
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC, has not removed delinquent child support as required by FACT Act 2003 amendment, the Fair Credit Reporting Act ( FCRA ) and the FTC. I sent notice posted on the other credit reporting agency 's XXXX XXXX that was sent via Federal Courts pertaining to the court 's recently issued rulings. Which state Credit Reports for collection of DELINQUENT CHILD SUPPORT, JUDGEMENTS, fines and lines may no longer be permitted. Equifax has continued to violate Federal Laws concerning these rulings. The initial sending of the NOTICE was received by EQUIFAX ON XX/XX/XXXX and XX/XX/XXXX via certified mail and now to date have ignored the court 's federal rulings. tracking numbers ending in XXXX and XXXX. I have attached NOTICE on the rulings as well as a copy of the report of the delinquent child support still showing on my consumer credit report. Equifax Information Services LLC has also NOT removed BANKRUPTCY which is a lien not permissible on my consumer credit report pursuant to the court 's rulings. I have also sent Equifax Information Services LLC a letter from the BANKRUPTCY court advising the court does not share information with credit reporting agencies. I have again attached supporting documentation.
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint and request the immediate deletion of erroneous collections accounts reported by the following entities on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX I believe these accounts are inaccurate and should be removed from my credit report for the following reasons : 1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) Under the Fair Debt Collection Practices Act, 15 U.S.C. 1692, I am entitled to accurate and fair treatment by debt collectors. Each of the above-mentioned entities has failed to provide sufficient verification of the debt as required by law. Despite multiple requests, they have not provided the necessary documentation to prove that I am responsible for the debts they claim. 

Furthermore, the FDCPA prohibits the use of misleading or deceptive practices in the collection of debts. Given the lack of proper validation, these entities may be engaging in unlawful practices by continuing to report these debts to the credit bureaus.

2. Violation of the Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act, 15 U.S.C. 1681, requires that all information reported to the credit bureaus must be accurate, complete, and verifiable. I have disputed these accounts directly with the creditors and the credit reporting agencies, yet the inaccuracies remain. This failure to correct or remove erroneous information is a clear violation of the FCRA. 

3. Failure to Validate Debts Under the FDCPA, debt collectors are required to validate the debt upon request. I have sent multiple debt validation requests to these entities, and they have not provided adequate proof that the debts in question are valid, nor that they have the legal right to collect them. Without proper validation, these accounts should not be reported on my credit file.

4. Inaccuracies in Reporting Upon reviewing the details of these accounts, I have identified inconsistencies and inaccuracies that further question the validity of these debts. This includes discrepancies in the amounts reported, the original creditor information, and the dates of first delinquency. Under the FCRA, any information that can not be verified must be deleted from the credit report.

Request for Immediate Action Given the violations of the FDCPA and FCRA, and the failure of these entities to provide sufficient validation of the debts, I respectfully request that the CFPB investigate these matters and instruct the credit reporting agencies to remove the aforementioned accounts from my credit reports entirely.

I trust that the CFPB will take this matter seriously and ensure that my rights under federal law are upheld. I look forward to your prompt action in resolving this issue.

Thank you for your attention to this matter. 

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

I have been trying for about two months to access my credit freeze account at freeze.transunion.com. I need access to my account so I can unfreeze my credit. 

I have an account and it recognizes my password and shows my proper mailing address but after I continue logging in I get an error message saying that there are technical difficulties. 

I have tried over and over at different times of day for months ; their web site just seems to be completely broken.
Product: Payday loan, title loan, or personal loan

My name is XXXX I am having a considerable amount of issues with XXXX XXXX XXXX   when I called to inquire about loan they said what to bring and where I arrived at the office and was taken care of by a trainee who wasnt quite sure how to do everything XXXX the manager I believe was there but as uninformatice as the other lying to me that this was in fact a title loan if approved I would get a XXXX card which I was not approved so they gave me a paper check which it took me over an hour calling places due to the check looking fraudulent they told me my payments each month which I made on time and then I find out that Ll I have paid went to nothing on my loan this is a scam fraudulent to prey on people who need the money I am dealing with XXXX and didnt need to be frauded lied to or deceived and believe that they need to be represmaded for this it is inexcusable to put less fortunate in this position as I never would have taken the funds had I known this was an interest only loan I then requested to change date as it interferes with my rent I am on XXXX only and not married my roof over my head comes first but they refused to accommodate my need to change the date by one week I spoke with many people working for this company and a different story always in 2 days my pay off went from XXXX to XXXX and each payment made increases the loan I am sick over this mainly due to being lied to and scammed into accepting something I should have never received due to my status
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to file a formal complaint against Citibank regarding their handling of an international wire transfer I initiated with XXXX XXXX XXXX XX/XX/2023. I wired funds to XXXX XXXX XXXX 's account with XXXX XXXX, XXXX XXXX in XXXX, for the purchase of an apartment in XXXX. Citibank was the intermediary bank. However, to this day ( XX/XX/2023 ), the money has not been received by XXXX XXXX, XXXX XXXX ( the final bank ). I have had numerous back-and-forth communications with XXXX XXXX regarding this issue , and in attempt to get back my hard-earned money. However, XXXX XXXX places the blame on Citibank, advising that it is Citibank that is holding on to my money. Initially, I was told this as because they were conducting an investigation ; the nature of that investigation has never been explained to me. Further, XXXX XXXX has stated that Citibank has consistently ignored their messages regarding recalling the money. I filed a formal complaint through your office ( Complaint ID XXXX & XXXX ) against XXXX XXXX on XX/XX/2023 and XX/XX/2023, respectively. I called the XXXX XXXX XXXX XXXX on XX/XX/2023, and requested them to reopen the case after they had written that they were closing the case, and by implication I should accept the loss of the money ( {$33000.00} ). A XXXX XXXX representative advised me to contact Citibank directly, in spite of knowing that I am not a Citibank client. 
I believe both banks have acted egregiously and in bad faith, with little interest in recovering my money. Due to this months long delay, I am uncertain about being able to purchase my apartment as agreed upon with the seller. I also risk being penalized for late payment. This has caused me considerable emotional distress and anguish. XXXX XXXX and Citibank have yet to provide a clear explanation as to why my hard-earned money is still being held and not returned to me. I suspect that the banks are ignoring me and not taking my complaints seriously, possibly because I am a minority. The mismanagement of this wire transaction demonstrates a profound sense of arrogance and disregard for professional courteousness. Therefore, I am seeking a full refund of the wired amount ( {$33000.00} ), as well as compensation for any additional expenses incurred as a result of Citibank and XXXX XXXX egregious negligence. I hope that the Consumer Financial Protection Bureau can assist me in resolving this matter sooner than later. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 section 604 section states I have the rights to privacy 15 USC 1681 section 604 section 2 : it also states that consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1681a- Definitions ; rule of construction - Exclusions.Expect as provided in paragraph term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for purpose
Product: Debt collection

Was told debt sold to midland  and agreed to pay as long as would be deleted from my credit report and they agreed and when paid and called to see status they said original creditor would need to delete from report and they couldnt help then original creditor says they cant help because they sold debt Im going in circles. These two accounts are paid and are to be deleted as stated by midland. XXXX XXXX   a # XXXX XXXX XXXX  a # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the below accounts has violated my rights : XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : 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 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I filled a report on Bank of America and got a call from XXXX a few days ago and on today ( XX/XX/2024 I received a call from XXXX XXXX asking me for my non public private information which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Discover Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and XXXX both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
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 ). I will take legal action against you if you do not validate these items. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

What happened? 

I am writing to file a complaint regarding fraudulent transactions on my credit card. The details of the issue are as follows : Fraudulent Transactions : Dates : XX/XX/XXXX and XXXX, XXXX  Amounts and Locations : XXXX time of transactions of {$20.00} each at a car wash in a city I have never visited. 
Additional transactions of {$76.00} and {$17.00} at a gas station and XXXX XXXX in a district I have never been to. 
Actions Taken : Work Schedule : On XX/XX/XXXX and XXXX, I was working from XXXX XXXX  to XXXX XXXX  at home in XXXX, ZIP code XXXX. This can be confirmed by my XXXX. Given my work schedule and location, I was unable to make these transactions. 

Additional Observations : Transaction Pattern : My transaction history with Bank of America shows that I have never used my credit card for in-store purchases. It is unusual for me to suddenly have multiple transactions in a city and locations where I have never been, especially considering the small and repetitive amounts involved. 

I request that the Consumer Financial Protection Bureau assist in resolving this matter and ensure that the fraudulent transactions are properly investigated and addressed by the credit card issuer. 

I have disputed those claim of in total {$250.00}. But boa claimed that " XXXX, were unable to approve your recent claim. 
Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The merchant provided documentation confirming you received the merchandise or service. " Claim number : XXXX Amount : {$250.00}
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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.
Product: Money transfer, virtual currency, or money service

I am unable to withdraw money from my account with robinhood to my bank. It is listed as pending for over two weeks starting with the request on XXXX XXXX. Their customer service is sending boiler plate messages and will not get back to me. I do not have a direct way to contact.
Product: Credit card or prepaid card

I am DEEPLY concerned with what's going on in the banking industry in general, PRIMARILY DUE TO THE FACT GOVERNMENT IS ALLOWING THEM TOO! 
I HAVE had ONGOING problems with AMEX bluebird!

I altered my address couple of months back, since that time I have had close to ten transactions declined by merchants bank due to ZIP CODE MISMATCH!

LAST month someone ( I believe ) fixed it at AMEX such that transactions could be finalized.

HOWEVER, several transactions just failed. The AMEX policy of placing an eight day hold in all circumstances without ability to remedy, IS UNCONSCIONABLE!!! This behavior CAN NOT BE ALLOWED!!!!!!! 
Using my latest declined transaction as example ( on or about XX/XX/XXXX ), AMEX placed this hold on the funds because somehow they reflect it as approved ( declined at merchant .... ). NOW I do not have enough available in account, FOR ANOTHER EIGHT DAYS!!!!!!!

I HAVE TRIED MANY TIMES to get them to release such a hold, NO EXCEPTIONS their sticky fingers won't release funds for EIGHT DAYS!

RELEASE MY FUNDS, STOP THIS POLICY!!!!!!!

FIX MY INFORMATION SUCH THAT I AM NOT PERPETUALLY GETTING TRANSACTIONS DECLINED!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

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

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: Student loan

XXXX XXXX College back in XX/XX/XXXX-XX/XX/XXXX. Formerly known as XXXX XXXX school. Very abrasive means to get student loan. I was not given any information regarding the interest rate or the difference between private loans/federal loans. They offered very little availability to get federal loans and had forceful ways to making myself sign for private instead. I was very young and did not understand the difference at the time. I am still struggling to pay back these loans. Navient has not allowed any kind of forbearance on these loans. Navient offered two predatory private school loans with a high APR rates and have not sent me the promissory note after several attempts so I could review it with them. I have tried to get short term forbearance for private and federal ( now federal is in forbearance due to me completing a borrower defense to repayment ) and have been unable, I have had trouble having my loans lowered or any APR rate for private lowered in order to try and pay off the loan quicker. I also have been denied the ability to release my co-signer even after missing no payments and paying off a huge amount of the loan. I need restitution from both XXXX and Navient. This has gone on too long. How is anyone supposed to get ahead in life while they are tied down to these loans. I haven't even finished my XXXX degree and originally owed almost 90,000 dollars! for a XXXX   that is not complete. Please help me.