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

I have tried on multiple occasions to log in to my account with my SS #, phone number, email and name but I get a message that either my account is temporarily unavailable or to call a customer support number. When I tried calling the verification questions all had correct answers of none the above and it could not authenticate my identity. 

I want to access my account to freeze credit requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}
Product: Credit card or prepaid card

I applied for and received the Fidelity Rewards Visa Signature Card based on a promotion that I received in the mail : " Receive XXXX Bonus Points - which equals {$100.00} Cash Back when deposited into an eligible Fidelity account - after you spend {$500.00} in eligible net purchases within 90 days of account opening. '' I completed the application online well before the XX/XX/XXXX deadline and made my first purchase on XX/XX/XXXX. 

The fine print claims : " 6 to 12 weeks after qualifying purchase are made, the one-time Bonus Points will be added to the account holder 's points balance. '' It's been well over 12 weeks since my first statement, which had over {$1000.00} in purchases. When I look at the history of my points balance, I only see points from the usual 2 % cash back. 

On XX/XX/XXXX, I contacted Fidelity about this issue and I received this response : " After reviewing your account we do not show that the account was applied for under a promotion to give you XXXX bonus points. This is why the points have not posted to the account. We are unable to change your enrollment offer or award additional enrollment as your account has been opened longer than 120 days. '' I called XXXX and received a similar answer from their customer support. 

Nowhere in the terms of the attached promotion does XXXX state that I must follow special instructions to apply under the promotion. I simply applied online at FidelityRewards.comXXXX as instructed.
Product: Debt collection

Hi I requested Proof of Validation of Debt XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have not received this was sent certified mail and they did sign for the documents that I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of this morning XXXX accounts were deleted from my Equifax report that I had disputed. Then later in the day they were added back on. Since then my credit has dropped and started the aging on those older accounts all over again! As laws go, the Fair Credit Reporting Act ( FCRA ) If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to privacy code ( 15usc 1681 ) .They aren't in compliance with metro 2 credit reporting.
Product: Checking or savings account

On approximately XX/XX/24, after falling victim to a suspicious website while trying to obtain my 1098 for my taxes, I **proactively** reached out to USAA to inform them that some of my personal identifying information may have been obtained. 
On XX/XX/24, I received a text from USAA informing me that my account had been frozen. That same day, I received an email from USAA with some forms that I was unable to access. 
I decided to go to a local financial institution to try to get a new account established. After speaking to a representative at XXXX XXXX XXXX, she advised that we attempt to call USAA, which we did while in the representatives office. 
A gentleman by the name of XXXX answered the call. He was hesitant to provide any information, but when pressed, informed me that my account was being closed due to fraud. He informed us that our funds were frozen for 60 days and that after that time, the account would be closed. When I informed him that there was no fraud on the account, he suggested that I log in to my online banking to verify this. I was unable to log in, as my online banking had been suspended, but my husband was able to log in using his credentials and we confirmed once again that there was no fraud. 
I tried to explain that not having access to the funds in my account caused a hardship for my husband and I, as we did all of our banking with USAA. He informed us that the decision wasn't made by him, but the " XXXX Department ''. We asked to speak to the XXXX Department and was informed that they don't speak to members. XXXX did say that he would ask for an account review from the XXXX Department, but that they wouldn't have an answer for a week and that we would have to call back to find out what was determined from the review. 
Additionally, we were initially told that we could still use our USAA credit card, but every time that we've tried to use it, it has been declined. We have reached back out to USAA multiple times and each time are told that it should work, but it declines. Our direct deposits go into that account, and we have no access to OUR funds. 
I could see if the funds being held were of a suspicious nature, but when they are from multiple direct deposits that have gone into account for approximately 10 years, this is unreasonable. With a complete hold of our deposited funds, how are we expected to live for 60 days? We've got bills to pay, medications required, need to eat, etc.
Product: Checking or savings account

On XX/XX/2023 my debit card information was stolen from XXXX and used to send a total of {$50.00} to a XXXX XXXX. I did not do it and I reported it immediately to chime. They did an investigation and determined no error occurred and won't give me my money back. I do not understand how they can deny my dispute when I didn't do it. They canceled my debit card and are sending me a new one but I want my {$50.00} back
Product: Debt collection

The debt is well beyond the Statue of limitations for collection. They have repeatedly taken of on credit report only to add it to others time and time again. The account was sold in XX/XX/XXXX and resold in XX/XX/XXXX. It should not appear on my credit report. They should not be calling family members about this old debt. They should not even be writing me about debt. They have been sued, they have been fined, yet they continue to commit the same unethical acts.
Product: Credit reporting or other personal consumer reports

I purchased a new car with XXXX XXXX. In XXXXXXXX XXXX, we went to make our first payment on the new car. XXXX returned out money 4 times. We tried calling, talking to them, sending in the payment it it kept getting returned with no explanation. After the 5th attempt, they said we were attempting to pay online incorrectly. Nothing was wrong with our method of payment, the money was there and somehow it was rejected on our first payment. Ally claimed we needed to set up a profile after our 5th attempt. 
This has effected our credit so majorly, that we called again and XXXX told us they would remove the late several times and still have not. This was not something that should never have happened to us, I have never been late on anything in my life, and this was ridiculous. We have made out payments on time ever since. This should have never happened to us.
Product: Debt collection

On XX/XX/2019 I requested validation of this alleged debt of {$750.00} of which I was not provided proper validation of. XX/XX/2019, I received the attached notice from Resurgent Capital Service ( LVNV Funding ) stating that this account would not report to any of the national credit agencies. On XX/XX/2019, I have received notification from the credit bureaus that this account was now reporting on file.
Product: Checking or savings account

My employer issued me a check from a frozen bank account that they were not aware of. I promptly called my bank institution and spoke with a customer service representative, an account specialist and security. The account specialist XXXX explained that they received confirmation from my employer 's bank that their account was frozen prior to issuing my check deposit and explained that they would not think it was fraud due to this knowledge. I have received another check from my employer and the bank has made it available to me in one business day. Upon checking my account on XXXX-XXXX-17, I realized that my account was in the negatives and had this note " reg cc XXXX '' next to my deposit. I called Capital One but it is a bank holiday. I am concerned about the practice of this bank institution because according to the regulations of the federal reserve, I am to be notified ( the account holder ) of this hold on my funds and went it would be available. Upon checking further, XXXX is a fraud detection and has signified this check in my account to be held. I am disgusted as the bank and their 3 representatives assured me that they knew what was going on and I would not be penalized for this. It was not my fault that a check given to me was from a frozen bank account and now they want to hold my funds against me for something they thoroughly discussed with me.
Product: Credit card or prepaid card

XX/XX/XXXX Card was used in my name and falsified to open XXXX Called company to let them know about the fraud and they said they would take care of it. ( 4 hours of conversations ) Early XXXX I called back because they wouldn't close the account- they asked for identity verification and then asked for me to send IdentityTheft.gov paperwork faxed to them ( 3 hours of conversations ) XX/XX/XXXX : Faxed IdentityTheft.gov information and waited for result XXXX : XXXX sent letter closing my account but wouldn't remove responsibility for pay XX/XX/XXXX : Called them to ask what is going on and why this was declined. They refused to give me agent numbers, badge numbers, recordings, etc. It's impossible for me to trace any conversation we had without illegally recording myself. 
XX/XX/XXXX : They told me that the account was " Resolved '' but when asked to double check and what that means, they told me it's " Resolved '' and I read the letter from XXXX and they said " Yep! Resolved ''. After telling them I'm nott paying for something I didn't charge, they told me to send the same paperwork I already sent them back to them and wait 90 days. 

I'm trying to buy a house, move for work, etc. This is DESTROYING my credit to move. It's predatory lending.
Product: Credit reporting or other personal consumer reports

These are not my inquiries. I believe I have been the victum of identity theft. 

I have already submitted a request to CFPB and to Transunion, but Transunion has not removed these inquiries from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquires immediately according to the Fair Credit Reporting Act.
Product: Credit card

Dear Consumer Financial Protection Bureau, In XX/XX/year>, Bank of America reduced my credit limit from {$19000.00} to {$1500.00} without prior notice or explanation. This drastic reduction has negatively impacted my credit utilization ratio and financial stability, despite my excellent history of making on-time payments and managing my account responsibly. 

On XX/XX/year>, I contacted Bank of America to request that my original {$19000.00} limit be restored. However, my request was denied without any clear explanation. I find this decision to be unjust and unreasonable. 

I am seeking immediate action to reinstate my credit limit to {$19000.00}. I kindly request the CFPBs assistance in fairly resolving this matter.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XX/XX/XXXX To : Transunion Address : TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX. XXXX, PA XXXX. 

I received a copy of my credit report, and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure
that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX XXXX, XXXX, XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused XXXX  stress and XXXX  due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or gray it out. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX
Product: Student loan

Subject : Formal Complaint Regarding Data Breach, XXXX and XXXX XXXX Violations, and Request for Immediate Discharge of Student Loans To Nelnet I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXX Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( XXXX ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : XXXX. My academic records and personally identifiable information ( PII ). 
XXXX. My XXXX XXXX for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under XXXX ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ), which grants me the right to control access to my educational records, as well as XXXX XXXX of the XXXX XXXX XXXX, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : XXXX. XXXX discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
XXXX. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
XXXX. XXXX notification to all major credit bureaus ( XXXX, XXXX, XXXX, and XXXX XXXX XXXX to place a fraud alert and investigate any unauthorized activity that XXXX have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. I am a XXXX XXXX whose private data has been compromised through a breach of government computers. These actions go against the Computer Fraud & Abuse Act. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

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

I sent the 3 credit bureaus a letter asking them to DELETE this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly DELETE the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$210.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$120.00} ; XXXX XXXX  ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

I am a very small company XXXX XXXX and had merchant services through Bank of America.  We were offered an overseas project by a prospective client and they defraud us in their first and only payment. Due to their payment which was fraudulent, Bank of America and XXXX XXXX XXXX   XXXX XXXX ( XXXX  ) shut down our Merchant services and labeled us 03-Laundering. They will not listen to our position nor will answer our calls. We are only pointed to Risk team by their helpdesk where I have been leaving voicemails daily for the past week. Bank of America has already  collected fees and charges of this transaction. 
We wish to log a complaint against Bank of America , Bank of America Merchant Services and XXXX XXXX XXXX XXXX XXXX ( XXXX ) as they did not consider our situation as a new Merchant and that this is the first payment and have labeled us without giving us a chance to present our case. We have been following all the steps they requested and have also spoken personally with the bank representatives, however we keep getting pointed to their risk department, who doesnt answer back. 
Can I get Help?
Product: Credit reporting or other personal consumer reports

Company in violation Bridgecrest : Acct # XXXX 15 USC 1601 15 USC 1681s-2 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 7 ) ( 8 ) 15 USC 1692e ( 8 ) 12 CFR 1006.42 ( a ) ( b ) 12 CFR 1006.34 ( a ) ( i ) ( B ), ( c ) ( 1 ) ( 2 ), ( 3 ) ( i ), ( 4 ) ( i ) ( ii ) ( iii ) 12 CFR 1006.18 ( c ) ( 2 ), ( e ) 12 CFR 1006.6 ( b ) ( ii ), ( d ) ( 3 ) ( i ) ( ii ), ( 4 ) ( i ) ( B ) ( ii ) ( A ) ( B ), ( e ) 12 CFR 1026.5 ( a ) ( b ) ( e ) 12 CFR 1026.9 ( a ) ( c ) ( h ) 15 USC 1692f ( 8 ) Also including : " Illegal Repossession Attempt '' occurance on XX/XX/2022 due to company failure to notify XXXX XXXX XXXX XXXX issues resolved which resulted in damages to vehicle. Neither Bridgecrest nor XXXX are claiming responsibility. Filed complaints with proper agencies in recovery of damages for both companies Numerous calls of opt out and only wanting information sent via MAIL due to privacy concerns