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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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: Debt collection

in accordance with the Fair Credit Reporting act XXXX XXXX violated my rights.. U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states the consumer reporting agency can not furnish an account without written instructions.
Product: Checking or savings account

Ever since my checking account was transferred from XXXX XXXX XXXX to Key Bank I 've had nothing but trouble. 

I admit I have overdrawn my account on numerous occasions and have paid their fees. The issue is Key Bank likes to slip in extra fees. 

This past summer I signed up online with a merchant for a free 30 trial. As is customary the company ran my debit card for a penny. to verify my card was valid. At the time my checking account was a negative balance. The merchant never processed the transaction. However Key Bank posted the transaction for {$.00} and then charged me a {$38.00} NSF fee. 

In XX/XX/XXXX I hadXX/XX/XXXX charge my card {$25.00} on a Sunday. It was a pending transaction on Monday when I deposited the cash to cover the transaction. The following day Key Bank charged me an NSF fee for {$38.00}. I asked the Branch Manager why I was charged a fee and he came up with a very lame excuse that the merchant finalized their transaction prior to me making my deposit. This is an outright lie. Every time my debit card is used as a charge with XX/XX/XXXX it has taken two days to post and clear to my checking account. 

Their latest ploy is to hold my deposits for 5 business days. I have never had an issue with checks that I deposit being returned so why would Key Bank place a hold on my checking account? By limiting my ability to make deposits only provides more fees being earned ( stolen from me ) by Key Bank. I pay bills throughout the month and to know that Key is going to hold my deposits only benefits Key by taking more money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported XXXX XXXX XXXX delinquency on XX/XX/2023. I have asked XXXX XXXX and Equifax to provide the proof of late payment or delinquency. They both failed to provide any proof or evidence so far. I will urge CFPB to ask EQUIFAX to remove this negative item of my credit report asap. Thanks,
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with this platform. Despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering last funds was impossible, and that tracking these transactions was unfeasible. The CFPs findings indicate that has not neglected to protect consumers has also allowed offenders to exploit the system uses vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act gives the consumer the right to request that credit reporting agencies to block the reporting of information that was the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX SELF-REPORTED XXXX Balance : $ XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$840.00}
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX a ID theft report was filed to the Federal Trade Commission in regards to Unauthorized Inquires, Charge-offs, and Creditors on XXXX, XXXX, and Equifax credit reports. FTC report number is XXXX. Please remove all inquiries, charge offs, and creditors listed below. I did not authorize any of the following information. 
.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

I am submitting this formal dispute regarding inaccuracies reflected on my credit report, which your bureau has reported. The information tied to certain accounts is incorrect, and I request that it be corrected immediately to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

The attached letters provide specific details about the errors, including documentation supporting my claims. These inaccuracies include erroneous reporting of account dates, statuses, and other data that inaccurately portray my payment history or account standing. As a result, this misinformation is unfairly impacting my credit score and financial profile. 

I kindly request that you initiate an investigation based on the information provided in the attached letters, correct these discrepancies, and remove the erroneous data from my credit file. Please ensure that my report is updated to reflect the accurate information in accordance with the FCRA and provide written confirmation once the changes have been made. 

If any further information is required to resolve this dispute, feel free to contact me. I appreciate your prompt attention to this matter and look forward to a timely resolution.
Product: Credit reporting

These account are still on my credit report was deleted last month. I have attached enough paperwork from my fraud alert and have sent them my paperwork. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Account charged off. {$390.00} written off. {$390.00} past due as of XXXX 2016. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Account charged off. {$460.00} written off. {$460.00} past due as of XXXX 2016. 
I also have a lot of inquiries I did n't authorize that are on there and are attached on letter enclosed. 

These are not my account an was used for fraud. And should be deleted. 

XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX BANK Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX BANK Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX BANK DELAWARE Account Number : XXXX .... Outcome : XXXX XXXX : XXXX XXXX, 2016
Product: Checking or savings account

My auto pays were being declined, I phoned the bank the Wednesday before XXXX and was told that I needed to go to a branch with ID, and if I failed to do so, my account would be closed in 8 days. When I asked for the reason, I was told the account had fraudulent activity. I asked what kind of fraudulent activity I was told that was all the info they would give me. On XX/XX/2023 I went to a Chase branch with ID and was told the account would be accessible in 48 hours. It is XXXX XXXX, XXXX  and I am unable to get cash or pay bills. I explained that I am XXXX and my husband is XXXX and we need these assets to live on, that I now live 1.5 hours away from a Chase bank. And according to NYS ELDER LAW, it is a felony to withhold assets from a vulnerable, elderly person who needs those assets to live on. They have lied consistently about when my account will be unfrozen, and refused to give me an additional information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove these fraud items in my credit file : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an FTC ID THEFT and Police report to EQUIFAX multiple times and they are will not remove the fraudulent account. The XXXX XXXX account is a fraudulent account that I never had and they are fraudulent company submitting falsified documents under my name. Equifax is continuing to report fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Negative effect on my Credit report that is breaking the law and hindering my ability in life and for my family.
Product: Student loan

Taking out student loans with XXXX was the worst decision my XXXX self ever made. Then when Navient it bought it things got worse. My payments are not affordable and they will do nothing to help. They sold XXXX out of XXXX to another company which I found out was because they put me in default. I have over {$80000.00} to pay back and I have only been paying interest which is so incredibly stressful considering I will never get ahead. Something needs to give. Not to even mention the handful of calls I receive every day on ever phone number including my work. They served me once with a court document from XXXX of the companies they sold a loan to and never told me about it! It 's out of control. I can only hope something will be done to stop them from holding me captive and start to work with me. If I could select ever option below about what 'best describes my issue ' I would select them all.
Product: Money transfer, virtual currency, or money service

well when i did some how it got turn right around and got done on me but that's not the only thing either there is so much more that's been going on and i know who is doing it to me
Product: Prepaid card

On XXXX XXXX 2015 I reported my Rushcard lost/stolen. I was sent out a replacement card on XXXX 2015. I called back on XXXX XXXX 2015 to expedite the shipping of the replacement, the representative charged XXXX for expedited shipping and XXXX for the replacement. I received the expedited card on XXXX XXXX, 2015. This was the day that Rushcard notified me that they were processing upgrades to the system that would be between XXXX pst-XXXX pst. Until til this day XXXX XXXX, 2015 it has not been resolved. I have n't been able to contact customer service to resolve my first and second issue. I was able to view my transactions online on XXXX XXXX, 2015 my money was debited out of my account by XXXX XXXX transfer from the card I originally reported stolen. I did not authorize these transactions at all. The card was suppose to be blocked and inactive. I am without my payroll monies and facing eviction and utility disconnection. I contacted XXXX XXXX via XXXX and he asked any of the affected customers to direct message their personal information. ( i.e home phone number, address, and name ) I did so on XXXX XXXX. He stated someone would be in contact with me but no one has contacted me. Its been 18 days of hardship for me. Please help!
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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: Money transfer, virtual currency, or money service

Hello Thetre I am writing to seek your assistance in resolving a critical issue with my PayPal account. My business specializes in the sale of custom digital charts for bookkeeping and accounting. We offer meticulously designed tools to help individuals and small businesses efficiently manage their financial accounts. These products, including spreadsheets, templates, and user-friendly software, are available for purchase online and are delivered electronically upon transaction completion. I began receiving transactions through PayPal in XX/XX/2024. 

On XX/XX/XXXX, PayPal requested verification details, including my ID card and proof of fulfillment. I promptly provided the necessary documents, and everything appeared to be in order. However, on XX/XX/XXXX, I received notification that my account had been permanently limited. 

I immediately contacted PayPal 's executive office for clarification but received confirmation of the permanent limitation. This situation has caused significant disruption to my business operations, given my reliance on PayPal for receiving payments and compensating staff. I have invested substantial resources into this business, and the limitation of my account is severely impacting my ability to manage operations. 

I firmly believe that this decision is unjust, as all my information and activities on the PayPal account have been transparent and compliant with their policies. I am urgently requesting a review and reinstatement of my account to allow me to continue running my business effectively. 

Your assistance in this matter would be greatly appreciated. 

Thank you for your understanding and support. 

Best regards
Product: Credit reporting or other personal consumer reports

The attached information was sent to Equifax. I sent them all my identification and they claim they can't find my account which is a lie. They also sent the following information to my mailbox after receiving ALL the REQUESTED identification information. 
Please make them delete the information requested due to the creditors not providing a contract of debt obligation with my signature within the 30-day time period per federal law it must be deleted. I sent these letters to Equifax and XXXX. They need to follow the law and delete the items immediately!!!! This is their last chance to do right or I WILL FILE A FEDERAL LAWSUIT AGAINST THEM FOR VIOLATING MY CONSUMER RIGHTS. 
THE CFPB NEEDS TO MAKE BOTH OF THESE CREDIT REPORTING ADENCIES REMOVE THE ITEMS IMMEDIATELY. PER FEDERAL LAW THEIR TIME IS UP
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just want to complain since I could not figure out which experian credit report is to be answered. I received two Experian reports online. One came from XXXX ( XXXX ) and another was XXXX ( XXXX ). It looks that both of them want me to call them to delete the statement of military. However, they indicate different telephone numbers, I am not sure which one I should contact. Anyway, I wonder what kind of proof I will submit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ABSRES INV XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

COLLECTIONS XXXX {$1200.00}XX/XX/XXXX/XX/XX/XXXX XXXX {$610.00} XXXX XXXX CR XXXX {$44000.00} XXXX XXXX {$170.00}
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Debt collection

Company called from XXXX. Claiming to be XXXX  XXXX XXXX. Caller was rude, put me on hold intentionally when I tried to give the proper information. They stated I was named in a complaint and will Be filing legal action if I did not pay now. They said it was An XXXX XXXX card also known by household bank HSBC. I tried to advise them this account was included and that the orginal creditor was notified of Chapter XXXX bankruptcy what was filed, accepted and XXXX in 2011. Making the debt uncollectible, as well as being outside of any statue of limitations. They are not accepting of the information and are telling me I must send them information. They are clearly in violation of the fair debt collection act on numerous things here ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy 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 card or prepaid card

1, Bank of America credit card company created difficulties for me to pay my bill in the past several months and find excuses to charged me fees. I have to call them every month to pay my bill even though I set up automatic payment.

2, When I called them, them gave me hard time every time, kept me waiting for over one hour and still didn't want to get the problem fixed.

2, it transferred money from my checking account without my permission and wouldn't allow me to canceled it.
Product: Vehicle loan or lease

{$570.00} was paid to GM Financial to avoid repossession. Due XX/XX/13 and was paid XX/XX/13 car repossessed same night.