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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C, 1681section 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. 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 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 reinsertion of debt in violation of XXXX XXXX Statutes XXXX XXXX XXXX ( XXXX ). 
Don't owe Id Theft. Filed ID theft reports. 

XXXX XXXX  XXXX XXXX Date XX/XX/year> 2024
Product: Debt collection

I have requested my loan information and the right to be placed on a rehabilitation program and they refused my request, for the income driven rehabilitation payment plan
Product: Credit reporting or other personal consumer reports

XX/XX/2023. 

I physically when to a XXXX dealership to purchase a car with a check in hand, with my prequalified letter from my bank proving the check off {$55000.00} was used to purchase a car. 

XXXX bait and switch the contract by forging my name to their in-house deal XXXX without my knowledge, and proceed to run my credit to multiple financial institution deflating my XXXX XXXX to low XXXX to appending a high percentage rate of 15.70 % to the price tag of {$28000.00} blooming the price of vehicle to {$44000.00}? 

Leaving me to defend the excessive inquiries and now reporting to my credit with derogatory remarks as of XX/XX/2023.
Product: Bank account or service

US Bank has taken an overdraft out of our checking account and that has caused an overdraft and left a negative balance of {$80.00} and on XX/XX/XXXX16 our XXXX payment was returned to them unpaid.I went to use the debit card at XXXX this morning and it was rejected and I came home and checked the account online and there was an item presented to the bank and they had taken out the {$120.00} and I spoke to a person at the bank and she said that the overdraft protection was for the debit card and I said no as they did return an electronic withdrawl from the same company and put back the overdraft money and service charge. Now they are still charging us the service charge on our own money. We had stopped the over draft protection in XXXX of 2016 and this was for all transactions. I will attach a copy of my bank statement to this complaint and I need to have some action on this as the bank is telling us that they can change there agreements without telling the consumer. I feel that they need to return the money and not take the service charge as we had stopped the over draft protection in XXXX of 2016. 
XXXX2016 Overdraft Returned Fee Waived {$36.00} {$120.00} XXXX/XXXX/2016 Overdraft Returned Fee {$36.00} {$84.00} XXXX/XXXX/2016 Returned Electronic Withdrawal Wi XXXX XXXX {$120.00} {$120.00} XXXX/XXXX/2016 Monthly Maintenance Fee Waived {$8.00} - {$4.00} XXXX/XXXX/2016 Monthly Maintenance Fee {$8.00} - {$13.00} XXXX/XXXX/2016 Electronic Withdrawal Wi XXXX {$120.00} - {$4.00} XXXX/XXXX/2016 Debit Purchase -XXXX Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute with Equifax on XXXX XX/XX/XXXX regarding an XXXX XXXX account/tradeline. Equifax alleges to have conducted a re-investigation that concluded on XXXX XX/XX/XXXX. Examination of the results show Equifax simply updated the information through XXXX and did not bother to examine the near one-hundred ( XXXX ) pages of documentation I provided. The documentation clearly shows XXXX XXXX states the account was charged-off XXXX XXXX XXXX, yet Equifax is reporting the date of first delinquency as XX/XX/XXXX. If the month of XX/XX/XXXX corresponds to a date on which XXXX allegedly re-aged the account ( one of multiple ), it can not then be the case that the date of first delinquency, as Equifax continues to report. A re-investigation under 15 U.S. Code 1681 et seq. requires more than a simple update through XXXX, yet Equifax took no further steps other than to update the information and accept the data received from XXXX in response as gospel. Yet, a cursory examination of the account/tradeline as reported, i conjunction with XXXX own responses to my CFPB complaints, would cause a reasonable person to have substantial doubts about the accuracy of the information furnished by XXXX, and that continues to be reported by Equifax. At this point, Equifax has received dozens of disputes regarding this account and knows or should know the information it is is reporting is false/misleading/inaccurate under 15 U.S. Code 1681e. Moreover, with a dispute filed on XXXX XX/XX/XXXX, it is unlikely Equifax would be able to examine the documentation and arrive at any sort of meaningful conclusion regarding the accuracy of the information reported for the account/tradeline. That is, a reasonable procedure to examine and correct information furnished for the account/tradeline was discarded for the sake of expediency and minimal effort to ensure the " accuracy '' of the account/tradeline. This is espceially obvious, as even after providing Equifax with the exact account number and documentation relating to the exact account number, and having disputed the exact account/tradeline with Equifax online dispute system, the individual responsible for processing the dispute was lazy enough not to read even the account information and instead disputed both the correct account and an account that I previously had with XXXX that shows a XXXX balance with XXXX derogatory information. Therefore, it is quite clear Equifax absconded its investigatory responsibiliies under 15 U.S. Code 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Phone : XXXX Auto Loan Amount : {$16000.00} Defaulted XXXX, XXXX  Supporting letter attached Car was repossessed Numerous attempts to have this removed from my credit reports, as this was defaulted over 7 years ago now. No resolution through company or credit reporting agencies. Regional acceptance does not show charge off amount or correct dates of default, does not report that far back.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To whom it may concern I have a collection account on my file from a collection agency named Pro Collect Inc. the accounts are as follows : Pro Collect Inc. 
Please be advised that I am disputing these collections due to the fact that Pro Collect Inc. XXXX XXXX XXXX XXXX XXXX, TX XXXX does not currently have a valid license in Louisiana to collect on debts. This information is stating that their license is currently Inactive according to State of Louisiana secretary of State. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that pro Collect Inc. are licensed to collect debts in Louisiana. Your  immediate response will be greatly appreciated. I Have attached proof that Pro Collect Inc. is not bonded and or Active to collect debt in Louisiana.
Product: Checking or savings account

On XXXX I got an email saying the bank transfer has gone through. Being I had NOT made any transfers I went immediately to our online banking account. Sure enough, we were down {$2200.00}. Whoever sent our money to the XXXX XXXX XXXX XXXX. Last 4 of their account number is all I can see, XXXX. Transaction number was XXXX. I called the bank immediately and filed a fraud case, claim number XXXX After a few days I was told that they would not make it good because whoever did this to us used my username and password. We have no idea how it was done or how someone could get our info. I was then told by the bank that we could file an appeal. I told them yes, I wanted to. I was told that whoever stole our money used XXXX, which is located on the US bank dashboard page, once logged in to do the transfer. I was then told to contact the police and file a report of theft. I did with an Officer XXXX phone number XXXX here in XXXX. I have not heard from him since. I even called and left a message 2 days ago. We then closed our bank account and opened a new one. We can not afford just walking away from this money. Because of the loss I can't afford our house payment or elec. bill. I've had to take money out of my pitiful savings to try and cover it. Now I have late fees and we are still waiting for our checks and bank cards. We were issued temporary ones but were not told that our temp. card has a limit on it. Which our house payment is over. We did NOT do this and have had NO part in the theft. We have been with US Bank for just over 25 yrs. One would think that would show them that we are loyal and trustworthy customers. But now we are afraid to do business with them if our money isn't safe. 
Filed a fraud/scam with the FBI on XXXX The Missouri Attorney General 's Office has successfully received your complaint. 
Your Incident Number is XXXX Please help us get our money back. Thank you XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I looked for my name on the Internet, I discovered that some of my personal information was being used without my permission, so I filed a complaint. My information was gathered by an aggregation website, which instructed me to first check the website 's FAQ section and then contact around XXXX separate websites to have it deleted. I felt ashamed by the fact that I had to seek the removal of my possessions. I discovered unauthorized, fraudulent accounts on my credit record ; I would like these accounts erased and rectified. Remove all unfavorable and fraudulent accounts from my credit report. This has made it more difficult for me to secure credit. I am taking all measure possible to regain my life. Please assist me in removing all fake accounts. Please let me know if there is anything further I can do to have these accounts removed from my report.
Product: Credit card

Please see letter in first The charge in question pertains to a damaged snowmobile, which I did not cause, and for which I bear no responsibility. It appears that since the merchant was unable to collect from another partymy friend, who is actually liablethey chose to unilaterally debit my account. This is both unjust and a clear violation of my rights as a consumer. 

I am requesting immediate assistance in having this unauthorized charge removed from my account and holding the responsible parties accountable for their improper actions. I expect a prompt and thorough investigation into this matter, and I trust that you will take the necessary steps to protect my rights.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX {$16000.00}.
Product: Vehicle loan or lease

Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX New Individual XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Followed the instructions on annualcreditreport.com to secure my credit report from the three credit bureaus. 

XXXX and XXXX worked fine. 

Equifax have me a generic error : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' It then requests an onerous amount of personal information to be mailed in. 

It looks like they are obstructing the goal of an easy way to monitor your credit, for free, annually.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft stemming from a data breach, and these accounts and inquiries are not mine. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Accounts to be Blocked and Deleted : 1. DEPT OF ED/XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 2. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 3. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 4. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiry to be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Starting on Saturday XX/XX/2019 I have been trying to log into my Cash App by Square account to access my money. The only way to log in is for them to send you a log in code either by text or email depending on how you registered for the account. Well my account is registered by email and the log in codes are not being emailed or not emailed on time because when you finally do get it hours later it has expired. Ive been without my money for days now and Im on vacation. You can not call anyone only email or tweet on XXXX and their response time is awful. I truly feel like Cash App needs to be investigated if not shut down but not before I get my money. Need to change my direct deposit quick.
Product: Debt collection

I am unaware of this debt, it states on my credit that the open date was XX/2014 I do n't know of this debt no knowledge of it, Ive written and called this company they can not find information one moment then states they found it and will send verification nothing was recieved
Product: Credit card

I filed a complaint about Bank of America on XX/XX/XXXX, and received a response from said company in writing on XX/XX/XXXX that advised that I requested that the account be closed on XX/XX/XXXX. I have called XXXX XXXX to discuss this matter and have not received a response. 

I never made any such request. This request would have to be made in writing and therefore there should be some documentation to support this claim. I am requesting proof as soon as possible. 

Thank you, XXXX XXXX
Product: Student loan

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Payday loan

Speedy cash has had a negative mark on my credit report for years.I applied for a loan from them but got denied due to their files showing I have an unpaid loan.I have never received any money from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX and XXXX of XXXX, Equifax was hacked and released significant information about my credit history through negligence. My credit is now at risk due to the companies failure to adequately protect my private information and now I will be forced to pay for monitoring my credit in order to avoid having my identity and/or credit stolen.
Product: Credit card or prepaid card

OK I tried using my credit card to purchase gas for my XXXX XXXXXXXX XXXX XXXX engine. It was unsuccessful I went into the XXXX and in cash gave them XXXX or {$40.00} so that I could put gas into my car after my credit card had been rejected. I then left and everything was OK until the next day when I saw that two charges for {$500.00} each had been charged to my card. I am mediately called my bank informed them of what had taken place they said that it was a case of fraud replaced the XXXX dollars into my account as they should Im here, and I thought all was said and done. A few weeks later they removed the XXXX dollars that they had put back in saying they denied my claim. Somehow there is a significant difference between dispute and fraud, When it comes to Bank of America. This has been bounced back-and-forth between dispute and fraud each time I spoke with someone they admitted that it had to be fraud and they were going to correct it. They have denied my claim for five maybe six times and I have had it re-opened each time. A police report was requested which I then got and informed my bank of who the officer was where the precinct was phone number badge number. The officers that took the report said this had to be fraud I then informed my bank of the police report figuring that this would settle it. They denied me again so there wasnt enough evidence. I do not know what I can do further as I have reached out to my bank and they suggested finally that I get in touch with your agency acknowledging how badly they have messed up.All I want is my XXXX dollars back and no longer be made to feel like my bank thinks Im a liar and a thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX and I have been trying to cancel my account with them but I am not able to reach anyone to cancel my account. The website states that the accounts can be cancelled by calling XXXX, however I have called numerous times and every time I called they told me that my waiting time will be over one hour and sometimes even over two hours. I have waited on hold a few times for a very long time and was not getting through to them. In the meantime they keep charging me the {$27.00} per month while making it almost impossible to cancel the account.
Product: Student loan

On XXXX/XXXX/05 we took a Tuition Answer Private Student Loan thru XXXX XXXX which has since been sold / serviced by Navient. We have just discovered that my daughter, the STUDENT, is listed on this loan as a co-signer along with my wife. I have asked Navient to remove my daughter as she should have never been there in the first place because she was the student. My credit has had some damage in the last few years due to caring for ill, dying parents ( which I informed Navient with my release request ) and they have denied releasing her. I have asked for copies of the original paperwork showing my daughter, the student, put on this loan as a co-signer and I have had no response from Navient as of today. I think that a paperwork error was made at the onset. Only recently, when my daughter tried to refinance her own student loans did we discover this problem. The people at Navient do not know what they are doing, and not willing to help. they read from a script and are unwilling to take an extra step. I have been dealing with them for years on deferrments, forbearances, postponements, etc. and have had nothing but misery trying to deal with these people. I just want my daughter 's name removed as a co-signer. My wife will remain as a co-signer.
Product: Money transfer, virtual currency, or money service

In the month of XXXX, 2017, I opened an account with Coinbase, under email XXXX. I linked it to my bank account and was able to make some purchases of virtual currency. One day suddenly I found that my account was restricted and could n't transact anymore. I contacted support via their online form, and waited, and waited ( several days ). I sent an email to XXXX ( as directed in several of their pages ) just to get an autoreply that the email was no longer being used for support. At any rate, despite my multiple attempts I never received a response, and I incurred losses as I was unable to trade virtual currencies ahead of what I had anticipated ( correctly ) would be drops in value. In the end, after many ( at least 4 ) attempts to contact support, I gave up. I transferred my devalued virtual currency to another exchange. 

As a Financial exchange, Coinbase should have a way to be reached via phone to address urgent issues, yet, there 's absolutely no way to do that. There is no phone number and their support simply does not respond, despite following the proper channels.
Product: Credit card or prepaid card

I applied for a US bank XXXX card XX/XX/XXXX, and activated the card on around XX/XX/XXXX. I am supposed to receive XXXX bonus points after meeting the spending requirement in 3 months. When it was about XX/XX/XXXX, I called the bank and inquiry about my spending and how much time I have to meet the spending requirement, I was told that the time has already passed, but she will talk to a supervisor and let him/her get back to me in 2 days. However, no one called me. After a week, I called in and spoke to a supervisor. At first, she told me that the 3 months starts at the activation date, so I am supposed to have until XX/XX/XXXX to meet the requirement, but since the date still already passed, so she ca n't give me the bonus points, nor give me the extension on that. When I brought out about the misleading information about meeting spending by XX/XX/XXXX from the first agent, the supervisor went back and checked the voice record, and changed her story by saying that it should be XX/XX/XXXX, and stated that I will never have any possibility getting those bonus points! Then I asked to close my account, and I have confirmed with her at least three times that the annual fee charged on the account will be refunded. She confirmed three times that I will receive a refund on annual fee. But it was more than a month, and I did n't receive refund at all. When I left a message on US bank, I received the response that I ca n't get the annual fee back. I ca n't understand why a bank could give so conflicting words all the time, and they do n't hold any responsibility for what they have told their clients!