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

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

PDear Sir/Madam, I am writing to express my disappointment and frustration with the recent denial of my payday loan application with Speedy Cash. Despite providing all the necessary information and fulfilling the eligibility criteria, I was informed that my loan request was denied. 

What is more concerning is the fact that Speedy Cash has failed to perform and release the funds to me. As a customer, I expect a timely and efficient service, and unfortunately, that has not been the case with my experience with Speedy Cash. 

Therefore, I request that all securities that were provided during the loan application process be returned to me immediately. I understand that these securities were provided as a guarantee of the loan, and as the loan has been denied, I expect them to be returned without any delay. 

I hope that this matter can be resolved as soon as possible, and that Speedy Cash takes necessary measures to improve their service and customer satisfaction. 

Thank you for your attention to this matter. 

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

I sent a letter regarding inaccurate & unknown things on my credit report. I am being taken advantage of and ignored for my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken.
Product: Money transfer, virtual currency, or money service

I have {$570.00} on my PayPal account and they would not let me access my funds not only that but now they close my account with no explanation and will not let me access the money I desperately need for $ 180 days
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX XXXX has used my identity to establish these accounts with out my authorization, these accounts is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr sheriffs department, if this account is not removed i will send a letter of intent to sur in court or by arbitration by thff to companies expense, i do not tolerate my information being used fraudulently to open any accounts in my name, i have tried numerous of times to talk to both companies they have failed to recognize with information i sent them i an a victim of identity theft and my information is being used and stolen by someone, please remove these accounts XXXX  and Transunion has failed to delete these accounts they have damaged my information and life i am a veteran im being taking advantage of please remove account As of now im also requesting that the CFPB request for a notarized affidavit that has all the information that was sent to XXXX and to Transunion as saying information was valid, because nothing was giving to me, under the law fair credit reporting stated that the information needs to be provided and processed to the individual requesting such information and documentation that has never happened so please remove and I demand that these accounts be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX  account does not belong to me it belongs to my ex husband
Product: Checking or savings account

ALLY Bank froze and closed all of my accounts and denied access to my accounts completely a few days after I received a large pandemic XXXX XXXX  {$10000.00} USD deposit from the Small Business Administration due to the name on the check being my business name " XXXX XXXX  '' and did not match my real name on the bank account, " XXXX XXXX ''. I attempted to resolve the issue by providing my business license and DBA ( doing business as ) but they told me that they had already begun an investigation into my account and that I needed to contact the " US Treasury ''. Nobody at the treasury knew what was going on. I had 3 accounts open with ALLY - a checking account, a savings account, and a joint account with my partner. 

On XX/XX/XXXX ALLY Bank closed all of my accounts and withdrew a " DDA Debit Memo '' which took every last cent out of my bank accounts at the time was totaled at {$4100.00} USD. 

Received a call from ALLY Bank Called Ally on XX/XX/XXXX at XXXXXXXX XXXX XXXX US Time. I returned their call at XXXX XXXX  XXXX US Time and found out about my account being closed and being under investigation for " suspicious activity. '' They provided a link for me to submit identification documents, which I did. I received no response. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  for an update, they were unable to provide any information on an update but made notes on my account to help their investigations department. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  for an update, they told me they can no longer help me as my accounts are completely closed and they will not reopen them. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  and they told me the same thing as before. 

Called ALLY again on XX/XX/XXXX at XXXX XXXX  and they told me that there is nothing more they can do. 

I have almost lost all hope at this point and have been patiently waiting for ALLY Bank to conclude their investigation and send me my money back. I have received no word from them at all, I need my money back.
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. XXXX any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Checking or savings account

Chase forced to closed my account without any further information, I had tried to called them couple times and went to branch got no heard back what is the reason they closed my account and not sending my fund back. I need to the fund for my bills, day care and rent. I did not get any heard back from them at all, they just said keep calling them everyday to check the status of my information, but no information about my return funds been giving.
Product: Checking or savings account

I am writing to file a complaint against navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordings What the fair credit reporting act The list below of accounts has violated federally protection consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX 15 USC 1681 section 602 A states I have the roughy to privacy.15 U.S.C 1681 section 604 section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer containing any of the following item of information any other adverse items of information other than record by conviction of crimes which antecedents the reporting by more than seven years.

15 USC 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 in information is inaccurate.
Product: Debt collection

working the XXXX XXXX XXXX debt consolidation company. XXXX XXXX sold their debt to a CBE group collection agency. they have called my sister twice. once on XX/XX/XXXX And again on XX/XX/XXXX. 
have been working with XXXX XXXX XXXX since last year.
Product: Credit card or prepaid card

Recently, I applied for a Lands ' end Visa Signature credit card. I received a letter dated XX/XX/2020, that stated that the applicant is deceased. I am very much alive and I do not know where XXXX XXXX XXXX obtained that information.
Product: Checking or savings account

In early XXXX I received a notice via postal mail saying my accounts would be closed. 
I sent this to the bank through secure messaging asking for clarification and confirmation. 
The agents refused to clarify or confirm, and woudl not answer any questions about the notice. 
In mid XXXX, the bank did in fact close my accounts. 
I have requested my bank statements multiple times, but they have refused to provide them to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXXXXXX XXXX Account XXXX, XXXXXXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, XXXX Account XXXXXXXX XXXX XXXXXXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Docket Number 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: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was paid off. I checked my credit 6 months later XX/XX/XXXX and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied inXX/XX/2022. I did have correspondence with them and they acknowledged that it would be removed. However todayXX/XX/2023 the balance still reflects {$710.00} on my credit report.
Product: Checking or savings account

The bank told me to call the companies about these charges and I did they said the bank needs to file the charges in order for me to get my money back I did not give any permissions to use my card at any of these companies nor did I give anyone to do so these are the charges that I have called on and talked to the fraud department about these charges I did not make. I do have emails to this one lady who has been helping me at the bank I have wrote to her almost every other day about my account XXXX XXXX XXXX is my social security number XXXX date of birth XX/XX/ XXXX {$1000.00}XX/XX/XXXX wire charge {$25.00}XX/XX/ XXXX XXXX {$200.00}XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4500.00} this company said bank needs to fileXX/XX/ XXXX XXXX {$4000.00XX/XX/ XXXX {$1000.00}XX/XX/XXXX dental {$4000.00} they said bank needs to file XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I have 2 wire transfers but I am talking to the investor man also but got nothing yetXX/XX/{$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written XXXX several times of proof when XXXX XXXX  was paid a {$1.00} this payment was never paid yet they said it was verified. 

Ive also requested the 1099-c XXXX XXXX used filing this debt as a charge with the Irs in reference to section 61 ( a ) ( 12 ) XXXX  i also requested the 1099-c for a charge off As well i have reported the inaccuracies across all bureaus nothing is being repaired XXXX  is still showing a balance DeptdXXXX is deferred in good standing, but showing negative on XXXX and XXXX
Product: Credit reporting or other personal consumer reports

There are some fraudulent inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent, Inaccurate Unverified accounts are reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX to creditdisputes Hello, I have tried again and again with the XXXX XXXX XXXX and XXXX to get supposed delinquint accounts from RBFCU Removed from my credit report. About 6 years ago or so RBFCU spoke to me about ways to build my credit. I GAVE RBFCU {$10000.00} that was put on freeze and i was given a " secured loan '' of my own money that was being " paid back '' to istelf in order to build credit ( loan reference # XXXX ). A little while in, times got rough and I had RBFCU pull out of it. For some reason I have a delinquent report showing about 4-5 months worth of late payments on my credit profile .... but that does not make sense since I can't be delinquent with a fully funded account that I gave XXXX towards .... its hurting my credit and I would really appreciate it If it would be removed. 

There is another account ( XXXX ) during the same time frame that is also hurting my credit report, and as I closed the first aforementioned account, I did the same with this one... so it should have been closed and not trying to pull, ending in another bad report on my credit... 

Any help would be greatly appreciated THE ABOVE IS COPY AND PASTED FROM EMAIL I SENT TO THEM ) I have tried to dispute through the company, through XXXX XXXX and all of the credit reporting agencies as well all with no recourse. 

The bank is Randolph Brooks Federal Credit Union in XXXX XXXX Texas. I currently still bank there with business accounts ( Several ) as well as personal account. I have called several times for a few years and they say there is no way to speak to someone about my issue. Only through email which I have tried over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX 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  XXXX # XXXX ) ( XXXX XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( Experian XXXX XXXX XXXXXX/XX/XXXX ) ( Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX. XXXX XXXX and XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXXXXXX. XXXX XXXX and XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

Did a balance transfer from XXXX credit card to wells fargo for {$2200.00} which was apparently written from XXXX XXXX XXXX and some info may have been incorrect but wells fargo cashed check and never applied to my account. No one would help put in XXXX After about 6 different calls to 6 different numbers I finally got someone I'm corporate office to put in claim. Once assigned a claim rep I explained I would not be able to get a copy of canceled check for a minimum of 10 days because it had to be requested and mailed from other company. They said as soon as I get it to send it in but they canceled and closed my case. I sent in information via fax and email same day I got notice of closed case because I finally just got it mail and I've called 3 times and no call back and no one looking to find my money from balance transfer. They basically have stolen my {$2200.00} and not applied to my account leaving my account overdrawn since they cashed check XX/XX/XXXXXXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper XXXX step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Debt collection

I XXXX XXXX, asking for verification and validation on this collection account.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, DEPT OF ED / XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify or delete accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, XX/XX/2024, XX/XX/2024 and XX/XX/2024 XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and Experian to remove these inquiries and all attempts failed.