23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Every time I try to log into my account, I'm having a lot problems getting into Bank of America prepaid debit card account on the website. Bank of America website keeps saying " Your Security Information is incorrect. If you have not created a username, select Need Username. '' even though I entered the correct username and password. I feel that Bank of America is making it difficult for customers to log in to the account so that customers can not transfer funds out of Bank of America account into other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} 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 XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A cancellation of debt was reported by US Bank to IRS which contains inaccurate information. The cancellation of debt total was {$13000.00}, but was reported to IRS as {$26000.00} on my XXXX and on my wifes number. US Bank states that they reported it correctly and the issue is with IRS, but they state we will be taxed on the {$26000.00} amount plus penalties unless they get clarification from US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act. I have the right to request that these accounts listed below be blocked by the Credit Reporting agencies ( CRA ) that is reporting this to my consumer report. All these Accounts are due to identity theft. My information was compromised due to the DATA BREACHES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE FRAUDULENT, DUE TO IDENTITY THEFT.
Product: Checking or savings account

My Capital One Essential Checking account was recently automatically converted to a Capital One Simply Checking account about 3 weeks ago. When this happened, my checking account was no longer connected to my Capital One 360 savings account. Because of this, I am not able to take any money out of my savings accounts. I have called several times for a resolution beginning over 2 weeks ago. I have important financial events coming up that require the use of my savings but am unable to withdraw anything.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my rights under 15 USC 1681B ( b ). I tried to get the inaccurate information removed from my report referencing two Child Support accounts. EXPERIAN has violated my privacy according to the Fair and Accurate Credit Transaction Act. Under the FCRA, credit reporting agencies are only permitted to provide credit reports to parties who have a permissible purpose for accessing the information. Permissible purposes include, among others, extending credit, employment purposes, and underwriting insurance. However, accessing an individual 's credit report solely to obtain child support-related information is not considered a permissible purpose under the FCRA.
Product: Student loan

Navient fails to give me the best options for repayment on my private loans. I have told them numerous times that I can not pay such a high repayment and many times I have been given different estimates for repayment or no option for repayment, but just an amount for the month to keep my loans in good standing. More so, the employees have been very rude and telling me there is nothing they can do for me. They contact my co-signer at all times and they have only co-signed on one loan. Futhermore, they would like their bank statements in order for me to enroll into a rate reduction plan when I was informed by a manager that the loan the co-signer signed on was not apart of the rate reduction plan. Navient does not communicate well and does not give the best options for private student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted for the past 2 years ( XXXX present day in 2022 ) to obtain a copy of my XXXX credit report by either submitting ( 1 ) several formal written requests via XXXX, ( 2 ) several formal written requests directly to XXXX, and ( 3 ) even signing up for the XXXX XXXX XXXX XXXX XXXX all to no avail. Each and every time I attempt to obtain a copy of my credit report or otherwise attempt to access my credit report online, the XXXX website renders an error message that my report can not be obtained via the online request. Regarding my written request, XXXX has either remained wholly unresponsive or has otherwise sent me a letter stating that my report can not be provided, and this is despite the express fact that I have provided all necessary documentation to verify my identity. I have had only minimal access to my report through third party credit monitoring apps like XXXX XXXX and XXXX XXXX, but they are not complete files. XXXX has even suspended my credit monitoring service altogether. I suspect that XXXX is engaging this pattern and practice of fraud and bad faith business practices because I have filed complaints against them before. Their conduct is unlawfully retaliatory. I have also not had access to manage my freeze that I added prior to the pandemic.
Product: Checking or savings account

I am the executor of a XXXX account for my grandson with Truist Bank. XXXX XXXX and XXXX XXXX is the account holders. My grandson XXXX XXXX XXXX XXXX. Starting in XXXX of this year my identity was stolen, I have numerous issues with my accounts being hacked and fraudelent charges being made on my account. I place a complaint against XXXX XXXX and now the same issue is happening with Truist. I filed the XXXX dispute in XX/XX/year> and the funds were refunded. The operator that handled the dispute with Truist advices me that she would put a flag on the vendor and any charges attempting to be made from that point would be flagged. Well that was the biggest lie I have been told. The entire check was taken again this month. As of now his account in over {$500.00} in the negative. I shut down the debit card and charges are continuing to go through. When does it end. Now they have denied my refund against being defrauded and this is government funds. Not a paycheck. this is a XXXX account used to care for a XXXX child. Now id you file a dispute with an official bank not a prepaid bank and they refund your money once and then the same charges are made again against the same account wouldn't that be a RED FLAG send out a notification or a call stating hey are you making these charges. But not one red flag or call and they allowed this to happen not only take the entire XXXX check but continue to allow charges to got through until the account is over {$500.00} in the negative. I am appalled at these banks that allow fraudulent activity over and over and over on the same account and not once try to intervene. i need this money back to care for this child and i feel the bank should have caught this a second time around. Please Help!!!!!
Product: Bank account or service

I recently received a letter from M & T Bank informing me that I was required to contact them and update my information. This letter also stated that if I did not take this action, my accounts could be closed. I contacted M & T and asked why I received this letter and I was informed that it was required by Section 326 of the Patriot Act. I have since made repeated requests to M & T asking for an explanation as to why I received this letter as I am not a new customer, nor have I opened any new accounts. On at least seven occasions M & T has refused to provide me with an explanation or any detailed information as to this requirement. M & T employees have threated to close any and all accounts that I am associated with if I do not comply, but has ignored every question I have asked. I have also repeatedly requested contact information from them so that I may speak to someone to resolve this issue and they have refused to provide me this information as well.
Product: Debt collection

A sheriff 's deputy came by my house to serve a summons for XXXX XXXX XXXX. A debt has been sold to this company on an old debt. I was never notified by XXXX XXXX XXXX. A Summons was attempted to be served at my home
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested my 3 credit reports from XXXX and upon reviewing each report I noticed some issues and discrepancies on my Equifax report. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction being disputed with Equifax. These disputed transactions should be removed from my credit report immediately pursuant to 15 USC 1681a ( 2 ) ( B ) as they are in violation of my rights as a federally protected Consumer under Title 15 Chapter 41. I mailed Equifax a formal dispute ( attached ) via certified mail with a receipt of return and they received this dispute on XX/XX/XXXX. According to The FCRA they have 30 days to respond to my dispute however I have not received any response from them as of XX/XX/XXXX. I am demanding Equifax removed these disputed transactions immediately. 

Accounts disputed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/1994 SS : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Account name : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Referance number : XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple complaints about these data furnishing companies reporting inaccurate data without my consent. I'm a victim of identity theft, my rights as a federally protected consumer have been violated because of this injustice I continuously have been getting denied for credit due to these inaccuracies on my consumer report. I demand these inaccuracies be removed before further legal action is taken. I have attached a copy of my ID, along with a FTC report to support my claim. I have been dealing with this issue for over 90 days. I demand these inaccuracies be removed immediately.
Product: Money transfer, virtual currency, or money service

( 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 platform, 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to all 3 credit bureaus that I had a paid service to remove all debt from my credit in 2018 and this was not done when I pulled my credit reports. I filed disputes with credit bureaus about this and nothing was done. They denied my request without properly investigating my case and I know they used E-Oscar system. They did not do a thorough investigation at all. 

XXXX  XXXX XXXX Credit cards that were in my name not the one I am an authorized user on. 
XXXX XXXX Cards XXXX XXXX Bank Loan XXXX XXXX The credit bureaus are in violation of Section 623 of FCRA. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection is regarding one months rent not paid due to repairs not made in my apartment for 6 months. Letters, phone calls, Registered mail, pictures were sent to manager as well as management company. I have copies of everything sent for 6 months. According to the written lease I had every right not to pay. I moved out in XX/XX/2017 and havent had a letter or phone call regarding this collection. NO CONTACT WHATSOEVER. I was alerted by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX concerning said debt. 
XXXX XXXX  attempting to collect a debt now owed. Ive asked them for a wet signature but they cant provide a signed legal document. This is my last attempt before I seek legal counsel. XXXX XXXX is stating they didnt receive any documents from original creditor TEMPOE also Known as Why not lease it. 
Some with complaint Im requesting a signed documentation from all parties involved.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to request documentation regarding an account with XXXX XXXX XXXX that has been reported to the credit bureaus. 

Despite the passage of over 60 days, I have not received any communication or documentation from either the credit bureaus or XXXX XXXX XXXX regarding this account. Specifically, I have not been provided with an original contract or any documentation bearing my signature pertaining to this account. 

As a consumer, I have the right to request and receive documentation verifying the validity of any reported account, especially when it concerns financial agreements. Therefore, I kindly request that you provide me with a copy of the original contract associated with this account, as well as any supporting documentation that verifies my agreement and signature. 

Additionally, I have contacted the credit bureaus to inquire about the investigation process regarding this account. I kindly request that you also provide details regarding the investigation process conducted by the credit bureaus in relation to this account. 

Your prompt attention to this matter is greatly appreciated. I kindly ask for a response within [ specify a reasonable timeframe ] days to ensure timely resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX