23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

XXXX XXXX  Account number XXXX Open/closed CHARGE OFF I did not get any 109-C from this company. This should not be on my report by law. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 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 XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 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 1681s2 ( 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 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

I applied for a new Citi AAdvantage Executive Mastercard on XX/XX/2019. I was approved with a credit limit of {$15000.00} and was told the new card would be mailed to my US home address in the next 7-10 days. 

During this time I relocated to XXXX. I called Citi on multiple occasions to request for a replacement card to be mailed to me here in XXXX. Despite multiple attempts, and the phone agents assuring me it will arrive at my XXXX address, I always learn that the replacement card ends up being re-routed to my home address in the US instead, which I no longer reside in.

It has now been 7 weeks since my card was approved. The {$450.00} annual fee has already been charged, and I haven't received the card. There seem to be regulatory issues for sending a card to a foreign address, and if so, I would like to understand why. 

I have been a Citi customer for over 10 years, with other Citi credit cards open and in good standing. This should be a simple, straightforward request. I hope someone can assist asap. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disputes to 3 credit bureaus on XX/XX/2020 due to a medical company breaking HIPAA which states " national standards to protect individuals ' medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically ''. It has also, come to my attention that the credit bureaus have taken longer than 30 days to respond to my disputes. I demand that these accounts be deemed removed.
Product: Checking or savings account

I have been misled by Bank of America XXXX XXXX XXXX Branch and customer Service department twice about the my deposit clearance. This had caused me and my family serious financial hardship. I was first told to go ahead and deposit my IRS check and the funds will be available within 24 hours. I have done that and received a letter stating my deposit with my funds clearance schedule. However, It was not cleared. Next day I was told Funds will be available within 48 hours. It was not. Third Day I was told Funds will not be available until the XXXX. The customer service in Bank of America Arkansas office with representative XXXX and supervisor XXXX with employee number XXXX had refused to go back to my previous conversations and told me phone recordings can only be obtained by a subpoena by the court. I have filed a complaint with them XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few addresses that is not correctly showing on my credit file that needs to beupdated. My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. PLEASEDELETE THE FOLLOWING XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX FL,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXXXXXX FLXXXX XXXX XXXX XXXX XXXX FL, XXXX , I have not lived at any of these addresses listed on my credit report I even noticed that a few actually belong to my adult children. However, I would like them removed because they are not accurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear Equifax XXXX XXXX XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not priore as no ted right This or ony i can validate this de 5. do not valhale ere to notify me of this in witing 5 days XXXX XXXX XXXX XXXX ***- Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not liable with XXXX XXXX XXXX XXXX XXXX  do not have contact with XXXX XXXX XXXX they did not provide me with the original contract as i requested. XXXX XXXX XXXX XXXX accountXXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$360.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account ending XXXX & XXXX On XX/XX/2019 I spoke with XXXX about the numerous incidents in which Chase is sending questionable mail to an address Ive never resided. After speaking with XXXX about my concerns of my information being sent to another address, she recommended that I monitor my credit report. Ive contacted Chase twice by phone and given two sets of answers as to why the XXXX address continues to receive mail directed to me. 

I sent a letter on XX/XX/2019 letter directed to XXXX XXXX in reference to sending my non public information to XXXX XXXX XXXX XXXX CA XXXX. My letter was in reference to account ending in XXXX in which I am being informed of a change in my card. I did not get a response. 

Chase sent a letter to me on XX/XX/2019 confirming that my address on file was always reflected as XXXX XXXX XXXX XXXX CA XXXX. 

I sent a letter on XX/XX/2019 letter directed to Chase Bank USA,  N.A. in reference to sending a Marketing piece to XXXX XXXX XXXX XXXX CA XXXX. I did not receive a response. 

Chase sent a letter to me XX/XX/2019 to XXXX XXXX XXXX XXXX, CA XXXX letting me know that youve updated my address and that you also mailed a letter to my previous address Chase sent a two letter to me XX/XX/2019 to XXXX XXXX XXXX XXXX, CA XXXX, referencing accounts ending in XXXX & XXXX letting me know that youve updated my address and wanting me to verify the request. 

Please have someone respond in writing and assure me that my private credit card information has not been compromised based on Chases actions.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have an auto loan with Gateway One. Recently they 've been calling to collect on a past-due payment. They called multiple times a day and then they showed up to my mailing address and gave a collection letter to the person that answered the door and told them they had to open it and read. I have verification of that. Then they started calling people and telling them that they were looking for my car. If you can give me an email address I can send you copies of interactions with people that they spoken to where, they say they will rude and nasty..
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This afternoon, I was shocked to find incorrect accounts on my credit report without any explanation. I check my credit report regularly, and this time, unexpected errors appeared. I even tried refreshing my browser, thinking it was a glitch, but nothing changed. I am urging for a thorough review of the documents Ive provided so I can feel reassured and never face this issue again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXAs required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/year>, I opened XXXX Certificate of Deposit ( CD ) accounts with MidFirst Bank for my mother ( I was acting as her Power of Attorney ). I was told by the bank representative that when my mother passed away ( deceased ) the only documentation I would need to close her CD accounts was the Death Certificate. Upon my mother 's death, I tried to close the CD accounts and was told by the same MidFirst bank representative that I now needed additional documentation ( i.e. a court document ) beyond the Death Certificate in order to close the aforementioned CD accounts. I would have never opened these XXXX accounts in the first place if the bank representative had been forthcoming with all that would be required of me to close these accounts after my mother 's death. 

The bank representative was either withholding information in order to gain access to new monies being transferred to MidFirst Bank ( which is fraud ), or the bank representative was ignorant of everything that was required from the bank ( negligent fraud ). Midfirst Bank is currently withholding the XXXX CDs ( totaling {$120000.00} ) refusing to close the accounts until I produce a court document ( they have not specified what court document ) thus forcing me into probate court costing me a lot more money and time all because of their banking protocols. I am the only surviving heir to my mother 's estate and can prove that fact with other documentation that does not require court appointed probate, but MidFirst Bank refuses to even consider these other considerations.
Product: Credit reporting

I have been a victim of multiple cases of identity theft within the last XXXX years. Most recently, i have been a victim of identity theft about XXXX times in the last 3 months. I have purchased a protection program with XXXX and have set up XXXX Alerts with all XXXX major credit reporting agencies. Even though I have fraud alerts set up, the credit reporting agencies are still authorizing the opening of accounts without my verification. I have had accounts opened in my name with all XXXX credit reporting agencies. Each agency is failing to contact me to verify that I am opening these accounts. This issue has now negatively effected my credit score. I will be filing XXXX separate complaints for each of the XXXX credit reporting agencies. This one is specifically for Experian.
Product: Checking or savings account

I filed a complaint on this issue with CFPB before : XXXX. Thank bank 's response to that complaint, however, completely omitted the issue of the fraud system text messaging verification system failing, and the bank 's resolution was the exact same resolution that I tried last XXXX and it did not work. 

I just got off the phone with the XXXX  XXXX at Wells and she stated to me that there is no way to ensure that the bank will not block access to my funds via ATM again. There is no way to tell why the bank flagged this as fraud. And there is nothing more I can do about this situation. 

So I am, at the advice of the bank, filing a new complaint so that the issue that bank failed to address the first time can be addressed, and we can continue the conversation about how I can be reasonably sure that when I go to ATMs to withdraw cash that the bank will in fact allow me to withdraw the cash.
Product: Student loan

I recently graduated from XXXX schooling in XX/XX/XXXX and my correct deferment date should be XX/XX/XXXX. I originally reached out to EDFinancial Services on XX/XX/XXXX through email, to address that my deferment date was incorrect. I received no response or email back. I then placed 2 calls on XX/XX/XXXX and received a callback later that day. Unfortunately I missed the call and placed myself on the callback list again on XX/XX/XXXX but never received a callback. I called today XX/XX/XXXX at XXXX and talked to a representative around XXXX pm. I explained to her that I recently graduated in XX/XX/XXXX and my correct deferment date should be XX/XX/XXXX like my other loans. The representative disagreed and claimed that I was below half-time in XX/XX/XXXX. This information is false and upon further investigation my enrollment records state that I was in fact full-time during the XXXX school year. The representative claimed that there was nothing they could do and I would have to pay the loan this month. I have already uploaded my enrollment verification, but the representative asked me to email the records to them and believe that the service provider is behaving fraudulently.
Product: Credit reporting or other personal consumer reports

I checked my credit reports and I noticed an inaccurate late payment with my account. I do not recall being late on this account because I always pay my bills on time.
Product: Checking or savings account

In  XXXX / XXXX / 17  I made mobile deposit of my pay check {$620.00} which it told me would be available on  XXXX / XXXX / 17 . I later got a email saying {$420.00} was being withheld until  XXXX / XXXX /   17  due to overdrafts in the past 6 months. Firstly the did not give me access to the {$200.00} until  XXXX / XXXX /   17  after I called to inquire about it. As of  XXXX / XXXX / 17  it shows the full check being deposited as of  XXXX / XXXX / 17 . I think it is very wrong for me to be charged {$100.00} in overdraft fees for money they held just to be nasty. It usually takes the bank  2-5 da ys to receive payment for cashed check not 11 days. I do n't feel I should be penalized for this. The check deposited covered charges made and I believe I should be refunded {$100.00} that was charged in fees. The bank statement is showing {$620.00} as being deposited on  XXXX / XXXX / 17 . I should be refunded {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to record, on XX/XX/2017, Portfolio Recovery Association began reporting a debt of {$1500.00} stating that the original creditor was XXXX XXXX Bank. I paid a credit repair agency to dispute XXXX  XXXX Bank and they honored the complaint and removed the original account but Portfolio Recovery Association has continued to report this fraudulent account despite the fact XXXX   XXXX Bank removed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned aabout the validity and accuracy of the recent investiation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responosibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendosly. CFPBplease sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX
Product: Student loan

In XX/XX/2023, I called Aidvantage because I had mailed in an application for SAVE in XX/XX/2023 but never received anything from them and it wasnt showing an status online. I was told by the rep that it takes 6-8 weeks to process. The rep said I shouldve went online. So I applied through studentaid.gov fed loan servicing and they sent my application to Aidvantage. It shows completed on XXXX as of XX/XX/2023. On Aidvantage, it doesnt even show that I am in process for SAVE. It says awaiting paperwork but I dont file taxes and receive social security XXXX and dont have taxable income. Studentaid said I dont have to submit anything back in XX/XX/2023. Then Aidvantage sent me a bill this month and last saying I owe a full payment, due on XXXX XXXX. Aidvantage has sent ZERO communication about my SAVE application or forbearance. After searching for help online, Aidvantage is telling people they have to make a standard payment before they can be put on the SAVE program. This seems fraudulent for a student loan servicing company. I have hopefully been on administrative forbearance with no notification of it, for 4 months apparently, now they are sending bills with due dates as if I never even applied for SAVE. Their phone service is a joke, as you have to sit on hold so long the call sometimes drops. Then, when you get to someone, they tell you they are putting a note on your account about SAVE, but you never get ANY communication as to whether you even applied for it or where you are in the process.
Product: Checking or savings account

My paycheck was direct deposited this morning at XXXX. Capital one has not posted or given me access to my money. They never send any communication that they are having system errors and they will not give an ETA as to when I will have access to any of my money.
Product: Credit reporting or other personal consumer reports

Reporting fraudulent inaccurate information on my credit report. I have request that they provide the purchase agreement to show full ownership of such account and also other document so I may review to se if this actually an account that belongs to me.