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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : Account Number : XXXX Balance : {$750.00} XXXX  Account Number : XXXX Balance : {$750.00} XXXX  Account Number : XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Youre reporting this collection as Open Account which isnt under FCRA compliance. This inaccurate reporting and it needs to be removed immediately. Please send copy of my credit report when the above collection is deleted
Product: Checking or savings account

I opened up my Barclays account to take advantage of their High Yield Savings account and had transferred {$3000.00} in two separate deposits after I had verified my external account to XXXX through their app. I had later on XX/XX/XXXX or XXXX added an external account for a joint checking account for my wife and myself. Before i was even able to access the account to confirm the second external account my access had been restricted and they required me to call them. I spoke to a customer representative on XX/XX/XXXX at around XXXX EST, to inquire about my account restriction, she kept me on the line for 45 minutes after speaking to their " bank analyst '' and said I had to provide account statements from. my external bank to confirm firstly the second external account i was trying to add and then when I asked to remove the second external account, she said oh well now we have to confirm your first external account. This made me feel like a complete criminal that they would keep asking me to provide a blood sample almost at this point. I felt like they were targeting me because of my XXXX heritage and i ended the call after requesting a call with a supervisor. After about an hour I called back again and spoek to a second company representative that read the notes of the previous call and said, " oh we can also verify your account by calling your external bank account provider ''. The call was awkward as it was answered by a rep named XXXX, the whole interaction was uncomfortable and made me feel like after i provided everything they asked, Barclays was still not convinced. I received a call shortly after at XXXX XXXX  and the XXXX, a male, answered and I let him know what happened and how i was feeling as a result. I let him know that i felt i was being targeted and that this wouldnt happen if my name wasnt so XXXX and XXXX. The manager i spoke with then had an adversarial tone and condescending, oh well you didnt add it on your wifes account so thats why you were restricted, also we do this to protect our customers. As a customer I didnt feel like they were making me feel welcomed to bank with them, they made me feel like a criminal for keeping my money with them and i have now chosen to withdraw all my funds today XX/XX/XXXX and am still waiting to see them deposited into my external XXXX  account ending in XXXX. The manager noted he was also going to write in the complaint that he was going to note the 2 agents i spoke with and himself in regards to filing a complaint. This continues to feel like I am being targeted as a result of my race, and ethnicity and not other factors. How did i go from having to try to confirm a joint account with my wife, to then having to verify an account I had already verified. They are just holding peoples money and making them feel like we committed some crime.
Product: Consumer Loan

I have a loan with Lendmark financial and I have been paying more than minimum for more than 2 years. I called the the company for my pay-off quote and they told me the amount. I quickly made the payment. Few months later they called me and told me that I was still owing them. I went into their office and they saw something they called a glitch in their system. They promised to look into it, but in the time been, we had an agreement that they would be calling me to make minimum payment to avoid credit issue. 
I have been making the payment to agents anytime they call me, while waiting for the result of the inquiry. 

I found out that they have reported a late payment on my credit that has bad effect on my credit. I do have the print out they gave me from the office. When I called the office they were surprised to know that their office reported me to the credit bureau. 
Please help me Thanks XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Payday loan, title loan, or personal loan

This predatory loan company email on XX/XX/22 repo my car on XX/XX/22 I got no phone calls. The company they had repo my car broke into my car stolen from my car. Cost over XXXX to get my car My second file with you same company. Did the loan at 98 % rate illegal did title loan in Ohio it's illegal in that state. Last time I file many papers were file which deleted the loan. More has been file after the illegal repo. This company illegal pull my credit report to find me. Lie said I apply for a new loan illegal. So many laws has been broken my this predatory company. Has sent me many emails to sign for a new loan. When I last file this company show you a different set of papers of the loan. Pass sick company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for any of these predatory business actions. No one should ever do business with loanmart
Product: Credit reporting

this is an account for {$470.00} medical bill that was covered by XXXX XXXX because I did n't have insurance and it was suppose to be 100 % covered. it was investigated by the Credit Bureau 3 years ago and removed and then it showed backup on my reports a few moths later.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexis nexus was told to delete my infomation under the CA privacy rights | CCPA Compliance Solution California Consumer Privacy Act ( CCPA ) the were told to quit selling my infomation they continued to sell my infomation illegal to do that. i demand they delete my credit file and my clue and lexisnexis reports all of them i opted out and they were told to delete them under the law California Consumer Privacy Act ( CCPA ) my privacy rights are being violated by lexisnexis
Product: Checking or savings account

Online order with me on XX/XX/XXXX XXXX of XXXX which posted to the account on the XXXX of XXXX for {$230.00} of which {$190.00} was disputed due to item being returned to merchant. Item was shipped on XX/XX/year> and delivered on XX/XX/year> via XXXX. Credit was never received and dispute was filed, bank stated that it was a valid charge. Requested documents used in decision and was provided the statement I filed. I filed a reevaluation and bank still found to be valid charge even though delivery receipts and conversation with merchant was provided to bank. Have asked several times to escalate the issue and no response has been given.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have reported wrong information in my report "  XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX  ''  XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX  ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the credit bureaus on XX/XX/2021 and still haven't received a response by mail. It has been over 60 days and i will not wait another 60 days for no response. I will file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission since i am not aware of these accounts. This has caused stress to my life. Please remove these account immediately.
Product: Credit card

On XX/XX/XXXX, I booked a flight from XXXX XXXX to XXXX with XXXX XXXX using the confirmation code NKROKF ( flight confirmation code attached ). I paid the {$150.00} carry-on pet fee using my Citi AA XXXX XXXX XXXX I arrived at the XXXX XXXX however, the ground crew refused to let me board the flight with my cat, citing an issue that was not clearly explained to me. Despite being unable to board, I was still charged the {$150.00} pet fee. 

I agreed to rebook my flight for the following day, XX/XX/XXXX, and successfully traveled to XXXX. However, I was charged an additional {$150.00} for the carry-on pet fee on this date as well. ( XXXX charge statement are attached ) Upon realizing I had been charged twice for the same service, I contacted XXXX XXXX to request a refund for the charge on XX/XX/XXXX. The ground crew had assured me that the money would be refunded to my account, but this did not happen ( response from AA attached ). I also filed a dispute with Citi XXXX  XXXX, after XXXX month investigation, they identified me as the responsible party for the charge and did not resolve my dispute. 

I have made multiple attempts to resolve this issue with both XXXX XXXX and Citi Bank, but neither has provided a satisfactory resolution. XXXX XXXX has not refunded the duplicate charge, and Citi Bank has not supported my dispute.
Product: Credit card

I paid off my credit in full in XX/XX/XXXX. In XXXX they ( Target Card Services ) billed me and renewed automatically a delivery service called XXXX for {$99.00} and I called and advised I did not want the service and to remove it. Target stated they would investigate and get back to me. Then I get another bill in XXXX with a late penalty plus interest and the charge is still there. I called them again and they told me that they deny the dispute so I went through it again and they said they would get back to me. On XX/XX/XXXX " XXXX '' advised me that the dispute was closed because they had sent me a gift card for the amount of the dispute via email. I never received nor would I accept a gift card for the disputed amount instead of having them remove the original charge as they are still apply penalty fees and additional interest charges and their XXXX service stopped working for me ( basically I could no longer order from the XXXX XXXX store in XXXX XXXX  - their service only allowed me to order from other smaller stores in XXXX that do not have the all the items I need and I complained about this since XXXX so there was no reason for me to renew this service ). Target continues to bill me penalties and fees and interest now for 3 months and will not fix the issue. I should not have to pay for a service that does not work and that I advised them of repeatedly. Also I never received their alleged gift card nor has it been cashed!!! I need for them to resolve this issue by removing the original {$99.00} charge, the interest and the penalty fees and advising the XXXX credit bureaus of their mistake. My credit score has dropped over XXXX points! Help please!
Product: Credit reporting, credit repair services, or other personal consumer reports

discover card has not updated my balance which is XXXX $ with the credit bureaus.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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

I have disputed these fraudulent inquiries multiple times with XXXX and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, recently I reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied due these excessive UNAUTHORIZED inquiries and they need to be removed immediately! 

See Attachments
Product: Checking or savings account

On XX/XX/2021, a check to the Internal Revenue Service in the amount of {$2400.00} cleared my checking account, as shown in the online balance. I want to print a copy of this cancelled check to ensure that I am able to demonstrate it was paid. Unfortunately, Capital One has CEASED the functionality of being able to view or print a cashed check -- a problem exacerbated by the fact that they do not provide check images on bank statements. ( This is a Capital One360 INGChecking account. ) When I first called to complain, I was told this functionality no longer existed ; later I was told it was in the process of " being fixed. '' It's been at least two weeks and it has not been fixed. 
Moreover, when I called to ask for a copy of the cancelled check, I was told it would be mailed right out. It has been a week and the copy has not been received, which makes me question whether it in fact was sent. I believe banks that do not return checks with statements are required to provide access to images ; Capital One appears to be violating that rule.
Product: Credit reporting or other personal consumer reports

EQUIFAX HAS FAILED TO PROVIDE PROOF OF MY ASSOCIATION AS AN AUTHORIZED USER WITH ACCOUNTS WITH VERIFICATION SUCH AS WET INK SIGNATURES. 
EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> I am writing to formally request that you cease and desist from reporting me as an authorized user on the credit card accounts [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX XXXX  XXXX ]. Despite numerous requests, you have failed to provide any proof of my consent to be added as an authorized user on this account. 

As a consumer, I have the right to verify and confirm any information that is being reported on my credit report. It is essential that you comply with this request and provide documentation demonstrating that I have indeed given my consent to be added as an authorized user on these accounts. 

Until such proof is provided, I insist that you immediately remove this debt and cease any further reporting of this information to the credit bureaus. Failure to comply with this request will result in legal action being taken against your company. 

I trust that you will take this matter seriously and act promptly to rectify this situation. 

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

My name is XXXX XXXX and I'm writing to let you know I am a victim of a reported data breach and according to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), a data breach report can be used to permanently delete fraudulent accounts. I contacted the FTC and filed a complaint.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am filing a complaint regarding unauthorized transactions on my Wells Fargo checking account. 

On XX/XX/year>, I received a notice stating that a company, XXXX, attempted to transfer money from my account but was declined due to an incorrect expiration date. Upon reviewing my account, I discovered that several unauthorized transfers had already been successfully completed by XXXX without my consent. 

I immediately reported the issue to Wells Fargo and initiated a dispute ( Reference Number : XXXX ). An investigation was started, and days later, I received a callback from Wells Fargo requesting more information. However, when I called back, I was informed that a decision had already been made, and the bank refused to recover the funds, claiming that the transfer was authorized via a device. 

I did not authorize any of these transactions, and the device/account used for the authorization does not belong to me. Furthermore, I did not receive any notifications about these transactions until there is a failed attempt. 

I am requesting the CFPBs assistance in holding Wells Fargo accountable and recovering my lost funds, and reimburse me for the lost funds, as these transfers were not authorized.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Equifax in order to resolve these issues. They have down right failed to comply with FTC Regulations and refused to fix these issues, this is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I applied for a Best Buy Citi credit card. I see that instead of pulling my credit one time, they pulled it twice. Once on XXXX/2023 and the next day, on XXXX/2023. I did not apply twice.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ). 

Recently, I discovered that XXXX XXXX has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy. 

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. DCU did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Product: Debt collection

I have been getting harassed by this company who i have no idea who they are stating that i owe them money. Please see attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Vehicle loan or lease

A woman I dated 35 years ago died Her daughter contacted me asking for help. I agreed to help her and paid XXXX for a down payment on a car for her. I somehow ended up on the contract? I have never seen the truck and I live in Mississippi and the truck was bought in Texas. I never agreed to cosign a loan and I have for 31/2 years asked for a copy of the loan documents to verify my signature. Chrysler has repeatedly lied and failed to send me a copy. But it shows up as a cosign on my credit report. I filed a dispute with the credit reporting agencies but the say it was verified. I have never received a copy of the contract! I do Not believe I signed it and need help. Can you assist? I do not understand how they could verify the debt without verifying my signature. Also if it is verified Why has Chrysler refused to send me a copy so I can verify the signature? I believe my signature to be false. I do Not remember signing anything except an agreement to pay a additional down payment of {$8500.00} I had already sent the girl {$1500.00} to pay down on a car. I believe this is a fraudulent loan and I am requesting a copy of the loan documents for verification. Thank you in advance for your help.
Product: Payday loan, title loan, or personal loan

Payment wasnt due until XX/XX/XXXX they said they were refusing payment and would then pick my car up for being late and that the only choice I had was to payout the XXXX that they wouldnt accept any other payment. They also have charged multiple people with 25 percent interest for over 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments