23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX Account # 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: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Citi Bank closed my account without valid reason. They should have protected me and my money. I should be able to trust my bank that i have a relationship with for over 15 years. Also, i am a Citi Gold member. They should have notified me and give me a chance to resolve the issue. Instead i found out my bank account was closed when my card got denied at a resturant, which was very humiliating. I've done nothing wrong and do not deserve to be treated this way. I proactively went into the branch to talk to the Citi Bank manager, XXXX, to provide proof that all my transactions and all my banking activity is legitimate and there should be no issues. Instead i was turned away. I've called customer service dozens of times, and each time i am left on hold and then am told they will not help me and the call is discontiuned. I feel helpless and tramatized by this experience. I have anixety and stress about my financial well-being. I am worried because i can not see my statements online and my credit card charges. I have no access to my remaining balance in my account. I am asking for someone to please help me fix this problem. Citi Bank has wrongfully closed, frozen and blocked my account. I can not withdraw, i can not deposit and i dont know whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, On XX/XX/2020 I and my wife sent in disputes concerning incorrect and unverifiable information we discovered within our credit reports. Our disputes were sent to XXXX, XXXX ; XXXX, and Equifax Information Services, LLC, requesting these companies to investigate the accuracy and validated right to report the said information that seemed unverifiable. FCRA section 609 ( a ) ( 1-5 ). After not receiving a response within thirty ( 30 ) days, I sent a demand letter to XXXX, XXXX, XXXX  and, Equifax Information Services, LLC where no response was forthcoming ; the demand letter was created on XX/XX/2020. Given none of the credit unions responded within the time provided I sent correspondence informing them of their duty owed under the law. FCRA 611 section ( 5 ) ( A ) ( i ). Where the credit reporting agencies are not in compliance with my rights and their obligations under the Fair Credit Reporting Act, I can challenge their right to report all incorrect and unverified accounts and information on my credit report. Any investigation instituted must comply with the FCRA, as there is no proof of a response or of verifiable, original creditor documentation, there is no verification. 611 section ( a ) ( 1 ) ( A ). I demand removal.
Product: Debt collection

I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX  and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year 2017, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/2017. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -XXXX  XXXX XXXX, XX/XX/2017 -XXXX XXXX XXXX XXXX XX/XX/2017 XXXX, XX/XX/2017 - XXXX XXXX, XX/XX/2017 2017
Product: Debt collection

Continental Finance has sent 3 letters, none of which states " this is an attempt to collect a debt '' ... .The last letter received was dated XX/XX/year> ... ... .. Continental is willfully stalling to present the information requested, which is a non-compliance violation XXXXI have on 3 occasions requested the following information, but Continental continues to willfully ignore my request, by sending the same preprinted letter. 
XXXX  PLEASE DO NOT SEND ANOTHER ENVELOPE FULL OF PAPERS PRINTED AS A STATEMENT, THAT ( ( ( ( ( IS NOT ) ) ) ) MY REQUEST. 
XXXX  I am exercising my rights under the FDCPA & FCRA to request the following items. 
1. Purchase Assignment Agreement. 
2. Proof that Continental is authorized to collect on behalf of the original creditor. 
3. Profit/Loss Statement of 1099c 4. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor 5. Proof that the original creditor securitized the debt 6. Documentation showing the assignments of the debt from the original creditor to the Secured Trust and then back to the original creditor. 
XXXX I reserve the right to pursue legal action under 15 USC 1681n to seek actual damages, statutory damages, and punitive damages, along with attorney fees and cost if necessary. 
XXXX Failure to respond satisfactorily within 30 days of receipt of the letter may result in a small claims action against your company ; seeking {$1000.00} per non-compliance violation, per 15 USC 1681n, civil liability for willful non-compliance.
Product: Credit card

I had a Amazon Chase Visa credit card for purchases I made on XXXX. I changed banks and set up my bill pay on a new system. Amazon XXXX said I was late and charged me a late fee. I checked with my bill pay and it showed the payment had been received on the same day it was due and the same day I was charged a late fee. Amazon XXXX did credit back that late fee. The next month I was one day late. I had informed the credit card my newness to my new bill pay but irregardless I was charged a late fee. Because this card had no grace period what so ever and did not take into account my high credit rating or good customer history I decided to pay off the credit card and stop using it. So I paid the credit card off before it was due that next month. With a XXXX balance I had an item to return and that left a credit on my account. I requested that credit so that the account would be XXXX and I planned on putting the card away. Then I get a notice that there is another balance on the credit card that it is interest on purchase. So I contacted them and was told that it was interest from the following month. I could not believe it, the charge did not show up until the very day I asked for the credit balance to be issued to me. They would not take the charge away so I once again paid that balance and now closed the card. I can not believe how they can charge you on a XXXX balance account. I plan to also write Amazon about their endorsement of this credit card. Ive had many credit cards, I have excellent credit and never had as much trouble with any other credit card especially about charges if I pay the balance off. They have no grace period and charge the late fees on the due date and charge a delayed interest on XXXX balance accounts. This just isnt right.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Transunion, Experian and Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Bank on XXXX XXXX under the account number ( XXXX ) and a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of ( {$770.00} ) that appears related to the aforementioned collection. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I established an account with Venmo in XXXX, 2023. Shortly thereafter, a friend transferred {$250.00} USD into the account. Since establishing the account I have been blocked from adding a bank account or otherwise transfer the {$250.00} out of the account. I have made multiple requests to Venmo customer service for support and have provided images of my Wisconsin Drivers License as well as a copy of my bank statement in response to requests from Venmo. To date I am still unable to access the funds. Venmo has not provided any explanation for why the account was initially frozen, and now suspended, nor have they allowed me to access the money that was transferred into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been challenging this bankruptcy for a very long time with XXXX and Trans Union. 
XXXX removed it but trans Union and XXXX keeps showing false information I thought that all 3 credit bureaus produce the same reporting as the other one this is stoping me from living my life just because its false information on my report thats not far to me as a law, abiding American citizen
Product: Student loan

I was given incorrect information regarding my loan forgiveness and was told that I could receive XXXX  loan forgiveness on my FFEL loans while pursuing public service loan forgiveness on my Direct loans. The loan servicers, fedloan and AES, have BOTH contacted me via email saying that I could pursue both programs concurrently, but I had a 3+ hour phone conversation with three different lenders who told me that I could NOT pursue both concurrently. My initial request was denied because the servicer could not read section 5 of my application, and I left it alone/requested cancellation once I found out that I would mess up my PSLF progress. I received an email on XX/XX/2020 stating that my FFEL loan was in forbearance for review of the TLF application which I did not submit. I was told there was no application in process and I requested that the company stop processing any application. I have yet to receive ANY correspondence on the matter that is relevant besides the irrelevant email answer I received with incorrect information. I am disgusted at the lack of correct guidance that these companies gave me and lack of accountability. When I initially brought up the incorrect email info with fedloan, they simply said " oh, we can send you an email with the correct info ''. No apology, no offer to correct or clarify the process for the future. These companies are out to XXXX over the typical, responsible consumer, and I am appalled at the care I have received. I work very hard in a low paying XXXX  job in a poor area so I can receive some respite for my astronomical amount of loan that I was conned into as a young, naive teenager. The least I could request is that someone actually CARE and be helpful when I ask seemingly simple questions. I wish I could pick another servicer and was not stuck with these robotic, uncaring companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions. 15 U.S.C 1692C without the prior consent of the consumer given directly to the deb
t collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

On XX/XX/, I attempted to withdraw {$500.00} from the Fifth Third Bank ATM at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX around XXXXXXXX XXXX. Unfortunately, the machine asked me to " Please take your cash '' but there was no cash available. I filmed this incident occurring for about 20 seconds before stopping the video. The transaction was cancelled and I assumed the issue would sort itself out. 

A few days later, I checked my statement and noticed the {$500.00} had been deducted. I immediately filed a dispute with Fifth Third. After 30 days, the dispute was denied. I called Fifth Third to ask for more information and was told the audit of the machine didn't indicate any transaction errors, but they offered to review the video, which I sent to them, and make sure they reviewed the correct machine. To date, I've heard no response - not even an acknowledgement that my case has been reopened. Additionally, they have not offered the {$500.00} as a provisional credit while their re-investigation is ongoing. 

The dispute number is # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX and XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigations. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to investigate disputed information in a consumer 's credit file. This law gives consumers the power to challenge inaccurate information on their credit reports. Equifax, XXXX, and XXXX 's actions may also contravene the Consumer Financial Protection Act. As highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, XXXX and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

When I transfered jobs to the public sector, I called XXXX/Navient to see about Public Service Loan Forgiveness. I was n't sure if my loans qualified and if my job would qualify. After a few frustrating phone calls in 2013, I never received complete information. I was told I could consolidate my loans and then " see '' if my job qualified. It was posed to me as if it were a gamble. I wanted a definitive answer before going through the process of consolidating my loans and possibly having a higher interest rate overall. Unfortunately, I had to go through several people who were not affiliated with Navient to find out that I did qualify, and that I should consolidate my loans. The process was NOT easy. I am in XXXX, so I was able to find a counselor on campus who could help me. This is not his job. He is my colleague, not my financial planner. It is Navient 's job to train their employees well enough to answer these types of questions for " customers '' or students. Other borrowers are not fortunate enough to have resources and information at their disposal. I lost out on almost 3 years of PSLF because of the run-around.
Product: Credit reporting or other personal consumer reports

" XXXX, XXXX, and Experian are consistently enabling collection agencies to fraudulently place claims against me without any prior contractual agreement or commitment. ''
Product: Checking or savings account

This is a continuation of closed complaint XXXX. 

Chase Bank falsely and fraudulently responded to the XXXX complaint XXXX XXXX that they issued a cashiers check for my funds on XX/XX/24, and they also provided a fedex tracking number for this supposed cashiers check Before I investigated the validity of the FRAUDULENT cashiers check, I responded to the XXXX that I did receive the check. 

On XX/XX/24 I deposited the fraudulent check into a wells fargo checking account. XXXX XXXX advised me that they will not cash the Chase Bank cashiers check because Chase Bank refuses to release the funds, stating Chase bank has placed a HOLD of on the cashiers check. 

Chase Bank is now guilty of writing hot checks, and fraud, The actions by Chase Bank are malicious with a deliberate attempt to defraud, and are a pattern of misconduct. 

I need the XXXX to be more than merely a facilitator of communication between myself and Chase. Chase is currently committing bank fraud.
Product: Money transfer, virtual currency, or money service

XXXX received a text from Wells Fargo about a suspicious charge on debit card. This was the THIRD time within about XXXX week period. I replied it was unauthorized and received a reply that the bank would be calling, which they did. The caller ID was the correct customer service phone number used by Wells Fargo so assumed everything was on the up and up. We took care of the debt charge then was told that there were two other charges going against my savings account, {$9900.00} and {$9200.00} and that I had to wire that amount to XXXX XXXX, giving me the account number and the bank, XXXX Bank XXXX Kentucky along with confirmation numbers stating that the funds would be back in my account the next day. After I hung up, I called Wells Fargo, told them what had happened and since the amounts still showed pending could they stop them. They said I would have to file claims which I did, Something still didn't seem right so I went into the bank on XXXX again telling the rep that the amounts were still pending why couldn't they stop it. Was told even though the amounts showed pending the money was gone. I closed my accounts and was told I could check in on the process anytime, which is not true. I've been into the bank a total of 4 times now ( XXXX, XXXX, XXXX and XXXX ) with over an hour and a half each time getting absolutely no info other than I would get a letter. I am very disappointed in the bank and their noncompliance asking as if I lost {$19.00} instead of {$19000.00}.
Product: Debt collection

i have written and disputed XXXX XXXX AND RMP SERVICES about all of the accounts listed on my credit file. RMP CLOSED AND REMOVED ACCOUNTS on each of the credit files XXXX XXXX and XXXX only to put the information BACK on my credit file. 

These amounts are NOT correct as I have always had DUAL insurance. I have asked over and over for a financial break down of these charges and proof that this is actually owed. I am demanding these accounts be REMOVED from my credit file and NOT ADDED BACK onto my credit again. 

There are 9 accounts listed for RMP SERVICES on XXXX  and they were REMOVED from my XXXX account. They were added and REMOVED from XXXX as well.
Product: Mortgage

I have spent hours on the phone with this company trying to get them to send me my Form XXXX so that I can file my taxes, but have failed : - They say they mailed it to my house - twice - but they never did - When I log into my account, no loan appears. They have escalated this to their tech teams, but have not resolved - When I try to lookup my loan online, nothing comes up. This has also been reported to them - When they try to send the form via email, they use a secure messaging system that doesn't work ( it never sends the required confirmation email, no matter how many times you click the link )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out certified over 60 days ago and have not been notified, as a consumer I feel like these clowns are taking advantage of normal hard working people.
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. 
1. XXXX XXXX XXXX  ACCT : XXXX XXXX BALANCE : {$190.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 2. XXXX XXXX XXXX ACCT : XXXX XXXXXXXX BALANCE : {$370.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 3. XXXX XXXX XXXX XXXX XXXX  BALANCE : {$450.00} REQUESTED VALIDATION FROM COMPANY NEVER RECEIVED AND DISPUTE FILED WITH CRA 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.