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

AGAIN I FILED A COMPLAINT AND ADVISED EQUIFAX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY EQUIFAX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE SEVER XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''
Product: Checking or savings account

I tried to XXXX my friend {$250.00} thru my Bank of America account. It put hold on transaction stating to call for authorization. I called and authenticate myself gave all the information they wanted but they blocked the account stating that I need to go to financial center with XXXX forms of ID. When I asked what is the reason they did not provide any reason and keep sating that I have to go to the local bank. I feel discriminated and accused on something so I am going to press charges against Bank of America for defamation of my character.
Product: Money transfer, virtual currency, or money service

Wednesday XX/XX/XXXX, unable to recieve XXXX dollars from an app called XXXX and would love to have it fixed so i can fix my account
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I electronically submitted a request to remove adverse information from my credit report as the information is a result of my being a victim of human trafficking. I provided Equifax a signed self-attestation form, a letter containing the adverse information to be removed, and proof of identity. 

On XX/XX/year>, I received an email from Equifax requesting the same documents I'd previously submitted on XX/XX/year> in order to process my request. Within this email, I was asked to mail the documents to their office in XXXX. 
On the same day, XX/XX/year>, I received a letter from Equifax ( electronically ), stating that my request had been declined and that they'd attempted to resolve deficiencies within my submission by sending me XXXX notices prior to the decision. I did not and could not have received XXXX notices in such a short period ( within the day ). 

On XX/XX/year> at XXXX, I called Equifax and spoke with someone who claimed to be within the human trafficking unit of the bureau. I asked why my request had been declined. The representative stated that he could not tell me why the request had been declined and spoke to me quite dismissively. After the call, I decided to mail the documents to Equifax despite the decline of my request. 

As of XX/XX/year>, I have not received further communication from Equifax. 

I'm concerned that Equifax did not take my request seriously. Equifax did not block my adverse information within 5 days of receiving my request, nor did they allow me a reasonable amount of time to respond to their request to mail in the documents.
Product: Checking or savings account

The chargeback was initiated by a customer it paid me for non-refundable services the bank withdrew the amount of the charge back from my account and requested that I send in the supporting evidence documentation for the chargeback I submitted the paperwork over 15 pages to the bank twice exactly the way I was told to submit it and have proof that I submitted it before the required date and time when I called to check to verify that they received the paperwork I was told to submit it one more time which I have proof off as well then I called back to verify they received all supporting documents and I was told but they cant find them I did its too late I already lost the case because I didnt submit the paperwork on time I had to supervisor who told me to send him the proof that I sent the paperwork on time and that he would help me out well look into it I waited several days he never called me back I called them back and escalated the situation to even a higher authority was told they would call me back they did not call me back either escalated it a third time and Im still waiting for a response its their faultThe banks fault for losing my paperwork not mine I sent it to the appropriate phone not fax number on time and have proof why should I be the victim Im losing this money and now they wont even call me back every time I call Im told some lousy excuse and given the runaround please help
Product: Student loan

Did not get correct exit information with loans. Had no idea that my loans had to be under a certain repayment plan for them to qualify for PLSF. This is a way for a large company to make money off of young students. So I have been paying on my loans since XX/XX/2004 and there is no relief for a middle class hard-worker. When talking to other people the same has happened to them. When talking to my lawyer she said this a a type of criminal act. We are looking into other options, but I think being fair to everyone is the way to go. I just think they are taking advantage of people and hold nothing back.,
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was posted online in XX/XX/XXXX, I placed credit freezes at all of the credit agencies then. In XX/XX/XXXX, Experian lifted the credit freeze without my knowledge, without my permission, and without notifying me. I found out from a credit card company. I refroze my credit with Experian, and they AGAIN lifted the credit freeze in XX/XX/XXXX without my knowledge, permission or without notifying me. I again found out from a credit card company in XX/XX/XXXX. Experian said that my freeze had been lifted online after someone ( not me ) answered all the publicly available security questions correctly. The thieves then added addresses to my report, and used that information to open several accounts, add their addresses to my mortgage account and request checks against our home equity, request a student loan in my name, and steal money from my checking account. Experian allowed them in by allowing them to reset my freeze pin online by answering questions that are easily verifiable and researchable, without notifying me. And now, they won't allow me to enroll in their so-called protection ( which does not include notifications!! ) because they can't verify my identity. It is unconscionable that private companies who are so lax with information and security are allowed to continue to verify my credit. There should be a way to opt out of their services, or there should be a government agency that controls this -- NOT THEM. Once the thieves had my credit report, they had all the information they needed to break in again and again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX manages payme to for this account through their Credit counseling services all payments have beenade on time per the agreements with the creditors but the creditors XXXX and XXXX  have reported adverse actions on my account.
Product: Checking or savings account

On XX/XX/2018, I responded to an online promotion ( XXXX ) that Citibank was offering : Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1 ) Within 30 days of opening your account deposit {$15000.00} into the checking or savings account. 2 ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
[ please see two " citi 400 '' attachments for details ] I was told the bonus will post within 90 days from the date I completed all of the requirements. 
I set up a new Citibank Account Package ( Regular Checking + Citi Savings ) on XX/XX/2018. 
I deposited {$15000.00} into my checking account, which cleared on XX/XX/2018 ( 14 days after opening my account ) [ see " XXXXk transfer '' attachment ], and left it in there for over 60 days. ( 74 days with a minimum XXXX balance ) [ please see attached, dated citibank statements ] It now has been 154 days since that {$15000.00} deposit cleared and I still have not had the bonus deposited into my account yet. 
I reached out to Citibank on XX/XX/2018 via their chat function ( as they have removed the ability to send a Secure Message regarding my issue ), and was told by representative XXXX, the bonus is deposited 90 days after the promotion requirements were fulfilled, you should get the bonus by XX/XX/XXXX. [ see " citi 400 log '' attachment for chat transcript ] It is now after the date quoted by the Citibank representative ( XX/XX/2018 ) and still no bonus has been deposited into my account. 
I have honored the terms of the promotion and feel the bank should be required to honor theirs. 
Thank you for your prompt support in this matter.
Product: Student loan

Multiple phone calls, info giving out to another family member, no clear info given about repayment options, deferment, etc.
Product: Checking or savings account

HI I have closed my checking account with chime ( chime.com ) Routing numberXXXX Checking Account number : XXXX because their banking system seems to be fraud business and not allowing me to take my money out without having their debit card. 
I have deposited XXXXXXXX XXXX from XXXX checking account to XXXX account, I found it is not a good banking system, so I closed it on XXXX XX/XX/XXXX. 
while closing account, I have talked chime employees, they said, the company will send check in mail in XXXX  days, its been more than XXXX months, I never received it and the chime people saying, I am not eligible for refund, the money I added from checking account, they are not giving me, this is clear day time fraud in USA by a financial company.

this is complete nonsense, fraud business, I request you to send my closed account balance XXXX XXXX  to me
Product: Credit reporting or other personal consumer reports

Discover Bank broke the agreement we had to restructure my account. I had a payment plan that I paid on for a year never missing a payment and they didn't in good faith honor the agreement and re-age my account. Now they are suing me in court.
Product: Payday loan, title loan, or personal loan

I have called acima numerous time to payoff the balance on my current lease, but they keep giving me excuses and want me to pay an Early Purchase Amount : {$430.00} + tax olin order to pay off the account, when hen I have already paid {$530.00}. My total purchase was for {$440.00}. 
This type of company should be out of business, they rip off customers.Please help me to resolve this matter. This
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report that I believe are fraudulent. These inquiries do not belong to me, and I did not authorize them. 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe these inquiries were made as a result of identity theft or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report. I request that you investigate these inquiries and remove them from my report if they are found to be unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
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. 


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. 

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I Disputed a collection account with all three bureaus to validate this company XXXX XXXX XXXX I've never did any business with this company that was placed for collection. Transunion did not do an investigation I wasn't even given a letter with my results I had to check online they only added a remark. XXXX how ever has gotten back to me and this company has been removed off my credit since then. Transunion on the other hand didn't fully investigate this shouldn't be on my credit I am demanding a reinvestigation and for this to be REMOVED immediately.
Product: Payday loan, title loan, or personal loan

Dear Sir/Madam : I have enclosed cover letter, exhibits group A and B, nature of the complaints and 'things worth to take a second look ' into my encountering of the predatory loan process in last XX/XX/2018. The application took place at the commercial lending department at JC Morgan Chase, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I have two major complaints, one is the client manager teamed up with 3rd party ( XXXX ), to prey on his applicant for more fee and charges to close the loan. The other complaint is I was misled by false advertisement, 'flyer of 5 free '. The client manager gave promise there would be only {$2000.00} charge for the loan process, the other {$7000.00} deposit would be refundable even I elected not to close the loan eventually. Everything I said herewith is the whole truth, nothing but the truth. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXX XXXX XXXX.
Product: Debt collection

I WAS SUED AND THE LAWFIRM SERVED A MINOR. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT WINN LAW GROUP INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

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

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX 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