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

I have repeatedly attempted to get bankruptcy information removed from my consumer account. 
I have spoken with the bankruptcy clerk and I was informed that they DO NOT per the Privacy Act of 1974 provide information to third party creditors at all!! I did not give written or verbal authority to report this personal information to my consumer report. According to Law, I need these and all Bankruptcy Reports removed from my consumer account within 4 days.
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 : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Consumer Loan

I have a car loan with GO Financial, which I had set up on auto pay. I paid my bill early using their XXXX service. The transaction went fine and my card was debited the correct amount. Upon returning to my account page, it told me the payment succeeded and that my account wo n't be charged again until XX/XX/XXXX. This morning, I find that is not the truth. They debited my checking account for the car payment a second time. You can see on my account page that this is the case. I called this morning to let them know they had billed me a second time and to ask they refund the second payment. The gentleman on the phone acknowledged he saw the two payments. He offered to apply the second payment to XXXX or as an additional payment. I told him that I wanted it refunded to me. I was then told that it would take three weeks to process my refund. When I asked for a tracking number, I was placed on hold for nearly ten minutes. The agent came back on the line now saying that I needed to provide bank statements showing that the payment had been debited, and would not give me a tracking number for my refund request. I asked to speak to the supervisor, and she told me that I needed to prove the money was debited from my account -- even though their website clearly shows both transactions.
Product: Student loan

5 years ago, when I was supposed to start making monthly payments on my private student loans. I called them and explained that I can not afford the monthly payments. I simply do n't have the money. I offered to pay what I could, {$100.00} a month, and they simply denied it. I gave up and my loans are now in default, and have been for some time. I was hoping my employment situation was able to get better and it has n't. XX/XX/2013 I had to declare bankruptcy. Since student loans are not able to be discharged, i was stuck even though I could n't afford them. Now it has gone to the litigation department and i still want to try and wotk out a payment of {$100.00} a month because thats all I can afford. I called them and am still waiting to hear back. I am making monthly income based repayments on my federal loans because they understand my financial situation. I do n't know what else to do.
Product: Credit reporting or other personal consumer reports

This is my request to dispute these hard inquires on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove per 15 USC 1681 b Permissible purposes of consumer report. This is the request that i place on XXXX XXXX with Experian. Still no reply.
Product: Checking or savings account

Someone used Bank of Americas virtual teller function on their ATMs to fraudulent withdrawal {$1200.00} from my checking account on XX/XX/2019. I reported this to BoA on XX/XX/2019 and they opened an investigation. I was told that no PIN number or ATM card was used but only a photo ID. I additionally filed a police report and reported this to BoA. It should also be noted that my daily ATM withdrawal limit is set at {$710.00} per day, {$480.00} less than the amount that was successfully withdrawn. BoA gave me a temporary credit for the full amount to my account on XX/XX/2019. I subsequently received a letter from them on XX/XX/2019 stating they had determined that this was an authorized transaction and the credit I had received was removed from my account on XX/XX/2019. I spoke with a representative from BoA on XX/XX/2019 and was told that the determination was made because the person on the video matched the photo on the ID. They subsequently stated they would reopen the investigation as the notes did not indicate the fact that I had filed a police report despite me making a specific phone call to report this to them on XX/XX/2019. I have since sent BoA a certified letter with a copy of my drivers license requesting my money be refunded but have not received anything from them. I was told that since the investigation was closed and then reopened that there would be no definitive timeline for resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on Equifax and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, are verifying that I, XXXX XXXX XXXX is mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Checking or savings account

I opened an HSBC account in the United States in early XX/XX/2023. After the account was successfully opened, I applied for a credit card together. After many times of communication and supplementary information, my application was approved. During the process of mailing the card to me, I did not use it, nor did I have any operation in my bank account. They froze my checking and credit card accounts for no reason, and I was repeatedly asked to be patient, from the first 3 to 5 business days to the next uncertain time, I kept waiting for more than a month. I can only complain to CFPB. After HSBC in the United States knew about the complaint of CFPB, they sent me an email to deal with it. When I asked them how long it would take to deal with it, they didn't reply any more. It has been nearly a month since the last complaint from CFPB. I tried to contact HSBC in the United States by phone, but they still couldn't deal with my problem, so I have been waiting for it. I came here this time to complain, I hope they don't discriminate against us because I am XXXX and hold a XXXX passport, we just want to receive fair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding my ongoing attempts to rectify an inaccurate late open account that persists on my credit report. Despite repeated efforts to have this issue addressed, the incorrect information remains on my credit history, causing undue harm to my creditworthiness and financial standing. 
I have made multiple requests to have this issue resolved, yet the inaccurate information persists in XXXX and XXXX Credit Bureaus. I have enclosed copies of my previous dispute letters for your reference. 

I kindly request that you conduct a thorough investigation into this matter and take immediate action to correct my credit report by removing this inaccurate late open account. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and up-to-date credit information, and the persistence of this inaccuracy is a violation of my rights. 

Enclosed with this letter, you will find the following documents : Copies of my previous dispute letters submitted to your bureau. 
Any supporting evidence that demonstrates the inaccuracy, such as bank statements, correspondence with the creditor, or any relevant documentation. 
I expect a written response from your bureau within 30 days of receiving this letter, in accordance with the FCRA. Your response should include the results of your investigation, the actions taken to rectify the inaccuracy, and a revised copy of my credit report reflecting these corrections. 

Additionally, please ensure that you inform the creditor associated with this inaccurate account about the dispute and provide them with the necessary documentation, as required by federal law. I am asking for your immediate assistance to correct this late open account in question : XXXX XXXX XXXX XXXX Balance : {$5900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i submitted a complaint with the CFPB against Equifax XXXX XXXX XXXX about fraudulent accounts reporting on my credit report due to identity theft i submitted identity theft affidavit thru the Federal Trade Commission and all supported documents to prove my identity and they sent me a later stating i need to provide the same documents to prove my identity in which they already have and was received on XX/XX/2022 thru the CFPB. This violates my consumer rights based on 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 and alleged identity theft no later than 4 business days after the date of receipt. Equifax failed to do so and is in violation under the law. The accounts listed in attached documents should not be furnished on my 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. AS A CONSUMER I AM DEMANDING DELETION OF ACCOUNTS AND ALL NEGATIVE REPORTING ACCOUNTS/ INQUIRIES LISTED IMMEDIATELY!!!!! 
Written Truthfully Sincerely, XXXX XXXX
Product: Checking or savings account

I opted out of overdraft protection. My bank allowed 8 different debit transactions in the month of XXXX. 

I contacted my bank about this issue and they refused to refund the over {$300.00} in fees despite confirming that I opted out of this service. 

I am reaching out for help further.
Product: Checking or savings account

I contacted Chime and requested that my card be closed and a new one be sent to me due to fraudulent transactions that I did not make. I was XXXX and my phone was cloned and information was stolenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. I begged for them to credit my account because I am going through XXXX and I am on a fixed income from the XXXX due to being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. I filed on the XXXX and just wanted to get my things back that were stolen. I constantly contacted and asked to know where to send documentation and they told me to wait until one of the pending charges that was left was done. The moment it was settled on the XXXX they immediately closed it and said there was no action that warranted the dispute. So I filed a rebuttal on the same day and this morning it was denied even with the proper documentation and proof. I had over XXXX taken from me. I couldnt pay for my XXXX on Friday because I am overdrafted and they wont credit my account. I have contacted XXXX and XXXX about this and they can not do anything or wont even with them being the fiduciary groups for Chime. This isnt right, I didnt do anything and I just want my money that was taken. I told the dispute department that if my account was not credited today that I would file complaints with the CFPB as well as FDIC. I have been hung up on multiple times, they didnt file multiple times for said rebuttals even when they said they were. All Ive asked is for my money back, its not only XXXX but its the only way I have to help pay for my XXXX and now Im at a loss, I cant even afford to get fuel. I know this is just a protective measure for consumers, but hopefully nobody else has to go through this in the future.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in Question with ( Diversified Consultants ) Account # XXXX keeps reappearing on my credit profile. I have a recorded phone conversation with both parties Diversified Consultants & XXXX XXXX stating that this account would be deleted of my credit its was paid in full with the original creditor but still remains on my credit. I tried calling both parties now there saying there is nothing they can do even thought I own no money.
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account Name & Number as shown on your report )
Product: Credit reporting or other personal consumer reports

According to code us 15 U.S. Code 1681 ( e ) 15 U.S. Code 1681 ( i ) any account on my credit report showing a charge off can be deleted
Product: Credit card or prepaid card

On XX/XX/19 I received a call from capital one XXXX XXXX saying that my account was delinquent for {$800.00}. At closer look XXXX XXXX capital one had reversed my last four payments totally {$800.00} to XXXX/XXXX. I have been on the phone with both companies jointly multiple times since XX/XX/19 trying to get the {$800.00} back to my XXXX XXXX capital one card. I have also filed formal payment investigations twice. Both companies blame each other and no one will take ownership for the problem. I am unable to speak with a supervisor at capital one. I was told to write a letter. I am still out the {$800.00}. XXXX bill pay says they have resent it to capital one XXXX XXXX   and capital one denies it and says they have not received it or that my husbands name is on it although they take payments from this account. I have spent more than 8 hours on the phone with both parties and 2.5 months later the issue remains unresolved. If it was {$100.00} I would have given up but not for {$800.00}. I need help and a voice with these two companies who seem not to care. I called once again tonight XX/XX/19 to XXXX capital one and they told me it was a XXXX issue and XXXX sent a letter today saying it is dressbarn capital one 's issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe several laws were broken under the FCRA by these companies and this has caused me financial injury as well as defamation and character. It is affecting me getting a job, applying for credit can't even get a XXXX loan especially during the XXXX XXXX pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, XXXX made an inquiry into my TRANSUNION credit file due to someone submitting fraudulent information. XXXX reached out to me when they became aware that it was an attempt to open a credit card fraudulently and assured me the inquiry would be deleted. Despite numerous calls and letters to TRANSUNION from me, it has not been deleted as promised.
Product: Credit card

Every month I receive a statement from Synchrony Bank showing a balance due in the amount of XXXX on a XXXX XXXX account. I 've contacted the bank and was told there is no balance due and there is no explanation given as to why I am receiving these monthly emails. I am concerned that my credit may be negatively effected by these erroneous statement which the Bank denies is occurring. 
I would like the Bank to correct this and I would like the emails to stop. The bank has sent me a letter at my request indicating there is a zero balance on my credit care account but I am still concerned the bank can not stop the emails.
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 violates 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 cause significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Debt collection

OnXX/XX/XXXX I received 3 letters which stated O owed money. On XX/XX/XXXX I sent letter asking for verification of debts and to only be contacted by mail. I continue to get continuous calls at home as well as on my cell phone. The company failed to provide verification. OnXX/XX/XXXX i received 3 letters which state the company was thinking of forwarding my accounts to an attorney for possible litigation. 2 months prior I had a phone conversation with the company and they threatened with the same action. I sent a letter in return and attached a copy of my previous letter from XX/XX/XXXX. OnXX/XX/XXXX I received 3 more letters stating they reviewed information and found their records were correct and again I sent letter in return. While typing that letter todayXX/XX/XXXX I again received a call from them on my cell phone. Unverified information is still being reported on my credit reports.
Product: Credit reporting or other personal consumer reports

Please ensure the accuracy and precision of these customer record items. Misinformation of this nature is extremely harmful to my current credit record. Kindly verify that all related information is 100 % accurate and appropriate : XXXX XXXXXXXX Balance Owed : {$2200.00} SXXXX XXXXXXXX Balance Owed : {$2200.00}. If you can not prove this information to be 100 % accurate, please update it immediately. Thank you.