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

Per the Fair Credit Reporting Act XXXX XXXX XXXX SEC XXXX clearly states that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and respect for the consumer 's right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the XXXX. As the XXXX I have the right to make sure my private information isn't shared which per XXXX XXXX XXXX back it by stating " It is the policy of XXXX 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. " XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. XXXX USC XXXX SEC XXXX section XXXX states that that " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) XXXX XXXX XXXX  and the Consumer reporting agencies EQUIFAX, XXXX, XXXX do not have my consent to furnish this information, and they absolutely Do Not have my written consent. Any and all consent to EQUIFAX, XXXX, XXXX, and XXXX XXXX  XXXX XXXX WHETHER IT BE VERBAL, NON- VERBAL, WRITTEN, XXXX WRITTEN XXXX IMPLIED, OR OTHERWISE IS REVOKED. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX NEVER XXXX ME OF MY RIGHT TO EXERCISE MY NON-DISCLOSURE OPTION. Not only that per XXXX XXXX XXXX ( a ) ( XXXX ) states '' XXXX as authorized under subsection ( b ), but no consumer reporting agency may also 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 XXXX years. '' This account is in adverse item they are reporting again without my permission which is against the law. XXXX USC XXXX XXXX ( A ) ( XXXX ) A states " 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. XXXX USC XXXX states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of the consumer reports to the purposes listed under section XXXX of this title. '' EQUIFAX, XXXX, AND XXXX ARE NOT maintaining reasonable procedures. And to add XXXX XXXX states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been information reported on my consumer report that I consider private and it's account that should not be shown on my consumer report.
Product: Student loan

I feel that I have been a victim of the Fair Debt and Collection Practices Act as well as the unauthorized bank payments from Navient. They enrolled me in autopay even though she put me on and I told her to take me off. I unchecked al all of the boxes for autopay and their computer system put it right back on. 
These are UNAUTHORIZED transactions. I feel that this should be looked into on the part of Navient. This could cost me over XXXX in interest alone.
Product: Checking or savings account

The PNC ATM at the XXXXXXXX XXXX at XXXX XXXX XXXX in XXXX Florida stole XXXX from me. I made three requests at the atm for cash for {$400.00}, {$400.00} again and finally for {$80.00}. It was the second transaction for {$400.00} that was declined. It declined the transaction, and provided no receipt or cash. I filed a claim with my bank, XXXX XXXX, but they declined it because they say there is no credit showing from PNC Bank. Theyre not responding to my bank by giving me back my hard earned money. They have done this to me at the worst possible time. I live paycheck to paycheck providing for my family and its XXXX right around the corner. I dont know what Im going to do. I have appealed with my bank with deadline end of business of XX/XX/year>. I provided pictures of the ATM reported as out of order two days later and I can also provide them to you. 

Please, someone needs to do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this matter over the phone and by mailing Equifax back their very own Research Request Form in XX/XX/2021 informing them of this inaccurate information listed. Such as accounts, addresses, allowing soft inquires etc. I do NOT and did NOT give oral, nor written consent to Equifax 15 USC 1692c ( a ). Equifax has taken it upon themselves to take on a role with my non-public information to be displayed for the world to see 15 USC 1681a ( 3 ). Equifax did not exercise their grave responsibility, they are using unfair, partial and did not respect my right to privacy 15 USC 1682a ( 4 ). I never instructed Equifax to furnish a report, nor did I instruct Equifax to create a report. Equifax has no Permissible purpose 15 USC 1681b. I have lost out on opportunities on providing better for my family due to Equifax fraudulent actions and lack of due diligence on validating the accuracy of my nonpublic information to begin with. This has caused mental anguish, my valuable time and money in attempt of resolving this matter. There's is only one Bureau and that's the CFPB whose job is to ensure these vultures does not abuse me a living being, the consumer. I the consumer is protected by laws put in place by Congress and I will make sure Equifax is held civilly and criminally liable for the damages they have caused.
Product: Credit reporting or other personal consumer reports

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

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

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

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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

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

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

Delete the late payments from my consumer reports
Product: Checking or savings account

I have been a Bank of America depository account holder for over 5 years and have deposited checks before with no issues. On XX/XX/2018 I deposited a cashier 's check in the amount of {$4000.00} at the BOA ATM on XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Florida. The ATM did not automatically recognize the check, so I understood when I got a receipt with a deposit hold. However the hold placed was until XX/XX/2018. The following day I called customer service to let them know it was an official check and to remove the hold and they refused. No matter how much I explained it was a cashier 's check and all they had to so was look at an image of the check they refused and kept insisting their " policy '' was not to remove holds on checks. I called for 3 days in a row, spoke to service reps, supervisors and a branch manager and like robots they all repeated the exact same words : Bank of America policy does not allow them to remove check holds. I went online and pulled up their written hold policy, that stated cashier 's checks when deposited with tellers are available the next business, and other deposit avenues is the 2nd business day. I read that back to them, and they still refused to adhere to their written ( a contract I may add ) deposit policy. Bank of America is a bank strictly about policy and not people. After speaking to about 5 different people, I realized I was speaking to only programmed robots!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted method of verification letters dated XX/XX/2020 to each credit reporting agency ( XXXX, XXXX, and TransUnion ) regarding XXXX/XXXX  after they stated it was verified/accurate, but I never got a response from any of the CRAs. I have disputed this inaccurately reported item several times and I dont think they are investigating this issue at all. They are only sending an auto response just to satisfy an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and i have the proper documents to proof with government agency while i was incarcerated have letter from the DOJ stating when i was incarcerated and my release this was done some how using my name i have done police report to verify everything and they agree this was done while i was XXXX  have contacted and sent proper documents to Penfed Credit Union they have not responded it has been over 90 days with no response they refuse to investigate and the Credit Bureau keep saying it verifies without proper investigation. Here is the documents that have been sent i have attached them please investigate this properly.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I saw over 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXXXXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX that said he worked for the XXXX XXXX XXXX dealership. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Product: Debt collection

I have paid off this debt. The vehicle was totaled in 2014. I have documentation that amount financed and I paid all owed. The company is trying to charge me additional money. The company is not taking off for the amount owed at the time car was totaled. They are asking for money that at time of accident but they want to get money that is nothe owed.
Product: Checking or savings account

Hi, I opened a Chime Financials Checking Account on XX/XX/2022 and initiated a deposit of {$1000.00} into this account from our other non-Chime account ( from XXXX XXXX XXXX XXXX Checking Account ). However, a day later on XX/XX/2022 I was notified that my account is closed as they were not able to confirm my identify and the deposit. Since then I have provided multiple time my ID proofs ( EAD card copies, SSN card copies, Passport copies, selfies ), Address proof, and bank statement from which the funds were transferred. However, the customer support team has been asking for these documents again and again without confirming any resolution. 

They have threatened to close the case and block my {$1000.00} indefinitely. Appreciate a resolution from CFPB. 

Attached are some documents highlight my interactions with Chime.
Product: Credit card

Target Card did not process an electronic payment of the full balance properly. Thereafter, they assessed fees and interest to the account. I paid {$50.00} to avoid further fees and interest, which was accepted. Thereafter, I attempted to pay the full balance again only to be rejected again. This failure on Target 's part has also resulted in " returned payment fees. '' There is no trouble with my bank account, which has the money with which to pay. The issue is with Target failing to properly accept my payment.
Product: Debt collection

There is a company reporting six collections that are unknown to me, I have disputed and nothing was ever received and the information is still listed on my credit file. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a debt that is inaccurate the amount they are saying I owed is incorrect. The debt is beyond the legal amount of time to collect and should have been dropped from my credit report. This account was closed and the care was resold the reporting that is being reported does not reflect that. I have request it be removed on 3 separate occasions more and escalating actions are forthcoming.
Product: Credit card or prepaid card

I received a bill from Chase for my Chase Amazon Card. The card has been compromised and there are illegal charges on it. I informed Chase who refuses, as required, to hold these charges in abeyance as required by Federal Law.. They saw I should call the company I never placed these orders with. They have no number, which was told to Chase which they ignore. The only number I have that actually a works is for a company called XXXX which is a shell company for XXXX the one illegally charging my card. The other companies charging my card are all " full filled '' by XXXX. I never ordered these products, t hey keep shipping them Chase wont stop decline the charges nor will " XXXX ''. This is scam that Chase refuses to deal with, putting onus on me to reach a company they has no phone, and refuses to reply to my requests because they are crooks. I asked Chase to issue a new card, which they have sent me bills for but I never received the card. I called and asked for the card and to notify them it never arrives, they refuse to do anything about this as well. I wrote their CEO on XX/XX/2019, and he does nt ot reply nor anyone form his office. I then said please just cancel they card, but they refuse to do that as well.
Product: Debt collection

I was changed for {$280000.00} in XXXX for legal fees unknown. Transferred to a different mortgage servicer on XX/XX/2023 and still have received no documentation for these fees. They added these fees a week after filed complaint # XXXX XX/XX/5023 with CFPB..
Product: Checking or savings account

I tried to deposit a check via my mobile application as I am a XXXX person. Bank of America is now erroring my mobile deposits, and holding my money for accessive time. After I tried mobile deposit they went ahead and closed all my Bank of America accounts down. Apparently they do not do business with XXXX individuals. Their online system is not able to assist XXXX individuals like myself. I have attached the messages that I received this morning from my online experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT BUREAU SERVICES ASSOC is in violation of my privacy rights under HIPPA Law. I have continuously asked CREDIT BUREAU SERVICES ASSOC to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 alleged fraud or extortion. please remove the following items : XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-MT XXXX Balance XXXX : {$0.00} TXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX
Product: Debt collection

The company of XXXX XXXX XXXX ( XXXX XXXX has repeatedly contacted me in regards to a Debt owed by a XXXX ( XXXX? ) XXXX. I have attempted to inform them that I am not XXXX XXXX on several occasions and have requested to have my number removed from their files. Each time I tell them that they have a wrong number they get verbally abusive and profane. Additionally, they have informed me of who XXXX XXXX 's creditor is ( Chase Credit Card ) and the amount of the debt ( $ XXXX ) and then used a threatening tactic of stating that they are going to file a lawsuit against me unless they get their money. I have had my number for 14 years. I do not know XXXX XXXX, do not know how to contact XXXX XXXX, and have never had contact with XXXX XXXX as far as I am aware. Further, this is a business number and their repeated calls are impacting my business in a negative manner.
Product: Credit reporting or other personal consumer reports

I appreciate the time you have taken to REMOVE some of the fraudulent items in my file resulting from an alleged identity theft. However, there are still ITEMS that remain and need to be removed. This marks my 3rd submission of a complaint, notifying you that I am a victim of identity theft, and I am disputing these remaining items in my file resulting from the crime. The items in dispute are unrelated to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Kindly remove the reporting of these remaining items in my credit file resulting from an alleged identity theft. For your reference, I am attaching my new FTC report with # XXXX : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$620.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.