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

XXXXXXXX XXXX XXXX BALANCE {$16000.00} XXXXXXXX XXXX XXXX BALANCE {$18.00} XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX BALANCE {$41000.00} RE : Late Payment Improperly Reported- I XXXX XXXX XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, Equifax. XXXX, XXXX, Equifax, has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit card or prepaid card

Amex Bluebird Direct Deposit Problems - Where is my Money?! 

I haven't received my paycheck for 4 days now. After asking all my colleagues and double checking with HR that my payment went through, I called Amex with my tracing number. ( English speakers : Have fun trying to understand anything coming from their XXXX call center ) After being on hold for 30+ mins, I was told there were technical difficulties and the funds would be available in the morning. 

This same song and dance happened two times the following mornings. 

3 Days and 3 calls later .... 
I was finally able to speak with a supervisor where I voiced my frustrations around NO EMAIL being sent to customers regarding the issue and if Amex planned on paying the late fees I accrued. 

He said if they did they would notify me through email ( lol are you sure? Cuz I didn't get an email about major delay in getting my money ). He also said the issue was with a different vendor and said it would be resolved by morning ( sound familiar? ) It's now been 4 days and I still have no clue where my money is or when it will be available in my account. I'm having to extend my credit and take loans just to cover my expenses. Very upsetting. 


TL XXXX DR -Amex Bluebird -4 days w/o getting my direct deposit from work -Called each day and was told it would be fixed by morning -Still don't have my money -am upset and out of options
Product: Debt collection

This company ( National Credit Adjusters ) put a collection on my credit reports, stating that I had a loaned opened with XXXX XXXX on XX/XX/19 which in not at all true. I haven't talked too or received anything in the mail from either National Credit Adjusters or XXXX XXXX. I just mailed National Credit Adjusters a request for validation in accordance of the Fair Debt Practices, I mailed this to both of the listed addresses I could find. I would like this removed from my credit report immediately.
Product: Consumer Loan

I AM SUBMITTING THIS COMPLAINT TODAY AGAINST THE SPRINGLEAF FINANCIAL SERVICES COLLECTION AGENCY. 

My account # - XXXX 1 ). SPRINGLEAF financial services collection agency threatened me today, XXXX XXXX, 2016 at approximately XXXX XXXX for past due loan repayment in the amount of {$160.00}. 

2 ). SPRINGLEAF FINANCIAL SERVICES HAVE CONSTANTLY HARASSED ME FOR A DEBT OWED TO THEM IN THE AMOUNT OF {$160.00} for 1 month payment past due. They have been excessively calling me XXXX - 6 times a day. And, sending me numerous letters and emails for just 1 month past due payment in the amount of {$160.00} 3 ). I attempted to contact SPRINGLEAF FINANCIAL COLLECTION DEPARTMENT TODAY BECAUSE I COULD NOT TAKE THE HARASSMENT AND THREATS ANY LONGER. 

But nothing was resolved because SPRINGLEAF REFUSE TO DO A DEFERMENT, PROMISE TO PAY OR EVEN TRY TO BE A LITTLE COMPROMISING DUE TO MY CURRENT FINANCIAL HARDSHIP SITUATION AS I HAVE REPEATEDLY INFORMED THEM OVER AND OVER AGAIN. 

THEY ARE VIOLATING SO MANY CONSUMER PROTECTION LAWS AND SHOULD BE FINED AND STOPPED. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2022 XXXX, I am having problems with the XXXX, Louisiana Chase Bank harassing me. I was supposed to pick up a check at XXXX XXXX. XXXX for XXXX A.M. to pick-up a check because they closed my account at chase. I did a peaceful protest around XXXX A.M. No one was at the Branch! I spoke to one lady at a distant merchant she was going to another merchant. Well around XXXX XXXX, the police came to the scene. 
They told me that I was not allowed at any chase bank properties anymore, Really! Now I am wondering why? Also, they seem to not want to give me my money. The Corporate Headquarters Bank Customer representative I spoke to was named, XXXX. She was the one that sent the appointment up for me. I was on time. So now what do I do to get my money? I feel like they are discriminating against me. I did tell XXXX XXXX. Please Help! What step, or steps do I take next? I need some assistants. The person I was supposed to see name was XXXX. Thanks Sincerely 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

On XX/XX/2023 a debt collector from XXXX XXXX XXXX called regarding an online payday loan from Wise Loan. I informed him that i currently have a garnishment and he replied for me nit to mention it again in the call because he would not be able to help me futher. He stated that he recieved my file XX/XX/2023 and did an investigation and did not see that garnishment as he is not allowed to make payment arrangements with an active garnishment. I ended up setting up a payment arrangement which failed due to not having the funds. I ended up having 2 garnishments active by the time that payment was to be made. He has called and text and I have requested to stop advising I have 2 garnishments and no money. Today, XX/XX/2023 XXXX XXXX  MST he called and I just said " if this is a collection call pkease stop as I jave 2 garnishments in place. '' In which he proceeded to talk and I hung up. XXXX called right back and i answered requesting his supervisor. And he replied : Why? I can call every day until this case goes further. And I hung up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Request for Immediate Action on Identity Theft Related Credit Report Disputes Pursuant to FCRA 605B Dear Sir/Madam, I am writing to bring to your attention a critical matter regarding identity theft and the inaccurate information on my credit report maintained by Experian, XXXX, and XXXX. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I have formally requested that all negative information resulting from the identity theft be blocked or deleted from my credit report.

I have submitted detailed information to all three major credit bureaus outlining the accounts that are inaccurately reporting due to identity theft. I have also provided the necessary documentation, including the police report complaint documentation number, as evidence of the identity theft incident. 

It is imperative that the credit bureaus conduct a thorough investigation and take swift action to rectify this situation. 

As per the law outlined in FCRA 605B, I am requesting that Experian, XXXX, and XXXX block or delete the fraudulent accounts from my credit report within 4 days.

The burden of proof lies with the credit bureaus to verify and correct this information, as I am diligently working to restore my life and financial well-being following this egregious theft of my identity. 

I urge the Consumer Financial Protection Bureau to intervene and ensure that Experian, XXXX, and XXXX comply with the legal requirements set forth under FCRA 605B.

It is crucial that my credit report accurately reflects my financial history and that the negative impact of this identity theft is promptly addressed. I appreciate your attention to this matter and look forward to a swift resolution. 

Please do not hesitate to contact me if any further information is required. 

Thank you for your assistance in this urgent matter. 

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

Upon reviewing my consumers report, I noticed there were multiple accounts listed that do not belong to me. I've never heard of these companies reporting. The accounts are as follows : XXXX XXXX XXXX ( progressive ) - balance {$480.00}, posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - balance {$1700.00}, posted on XX/XX/XXXX XXXX XXXX XXXX XXXX- balance {$480.00}, posted on XX/XX/XXXX XXXX XXXX XXXX XXXX balance {$2200.00}, posted on XX/XX/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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Student loan

For the past year I have been aruging with this company. I make XXXX a year right now and they are asking for {$340.00} dollar or so payments per month. I have explained to them that I need an extremely lower payment plan and they will not do this. I checked my credit score the other night and I have a XXXX credit score, before I was in the XXXX. This makes me sick to where I want to XXXX. Its not fair at XXXX, I am actively looking for a better employment and currently in school as well. This loan originated from predatory loan tactics from XXXX and now I 'm in a huge nightmare paying it. I need time, possibly XXXX dollar a month payment if it ca n't be put into forbearance. By the time this is over with I wo n't be able to find a decent job because this company will have my credit score destroyed. I do n't know what to do, I cant sleep. I cant even file for anything legal because I cant afford the fees, am also being garnished by XXXX other credit card companies. I need some type of miracle with this situation, everytime I call this company I get nowhere..just horrible customer service and rudeness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX SS # XXXX DOB : XX/XX/1972 Contact # XXXX In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. THIS IS MY 3rd REQUEST... 
XXXX : Creditor : XXXX XXXX Co Acct # XXXX Creditor : XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXXt Acct # XXXX XXXX  : XXXX : XXXX XXXX XXXX Acct XXXX XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX XXXX Acct # XXXX Creditor : XXXX Acct # XXXX EQUIFAX : Creditor : XXXX XXXX Acct # XXXX Creditor : Federal Ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian and notified them that 3 accounts on my credit report are being inaccurately reported. Their " investigation '' took longer than 30 days the first time. I disputed it again, because across all three credit reports, Experian is the only one that shows the inaccuracies. I provided evidence and they still have not fixed the issue. One account Experian has reported as a charge off for more that a year even including a past due balance which is both unfair and illegal for them to do on a closed-charge off account. The account in Question is XXXX XXXX. Next, XXXX XXXX " alleged '' I owe a bill from XXXX XXXX, which is a violation of XXXX as I have not signed anything allowing that company access to my health information or billing summary. This currently shows on my credit report and hurting my financially because Experian will not fix this inaccuracy after multiple recorded attempts on my behalf. Finally XXXX XXXX XXXX account was created identity theft and Experian has failed to truly investigate this inaccuracy. They are willing to use an address that I do not live at and reported I did not live there to verify this information they have " investigated '' to be accurate. I have already provided them a police report to prove this was not me and Experian still refuses to remove this inaccuracy. They are falsely reporting inaccurate information, giving me a lower score, harming me and restricting my rights to financial fairness and freedom and limiting my ability to obtain credit with new businesses because they are reporting false and inaccurate information I have asked them repeated to remove.
Product: Payday loan, title loan, or personal loan

Someone use my personal information and got a personal loan for the amount of {$25000.00} in XX/XX/2018. It appears as charge off on our credit report.
Product: Credit reporting or other personal consumer reports

can not login or obtain credit information. including results on active disputes. i have seen system errors and no response from the company
Product: Money transfer, virtual currency, or money service

I received a check from a mortgage company for the proceeds of refinancing. The check was on XXXX XXXX  and was for {$20000.00}. I took it to my bank ( United Bank ) on XXXX XXXX in XXXX, Virginia. They informed me it would take 5-7 business days for it to clear which I think is ridiculous and banks are allowed to take advantage of customers. What takes that long? Yes more of the ( XXXX ) nonsense. So I said I dont see why I need to wait that long, I had the teller to call a manager in my home bank although it had been moved. I have been a customer of United Bank and others they took over for more than 25 years. I was told by teller that their security department suggested that I go to XXXX and get a cashiers check and the money should be available the next day. I did that and was told it would be 2-3 business days. I was allowed to pay {$3500.00} from the check. I waited the three days and went to the bank to get money out what we needed but i first checked my account and found that the funds were available. When I got to the bank the teller checked my ID checked my account and had the money ready to count it out to me. XXXX XXXX was looking at the money and me then came over and started looking over the shoulder of the teller checking my account, he told her to wait until he could make sure the cashier check was good. Why did he think it wasnt good I dont know but I think he thought because I was XXXX I wouldnt have {$6500.00} in the bank. I am sure he doesnt check all cashiers checks to see if the are good, thats why you pay for them. He and another official of the bank started calling people and I waited over one hour before after I called United Bank and had them working on it some one called him and told him to pay me. I missed meetings I was delayed making payments I have XXXX XXXX XXXX and felt terrible and I have sugar XXXX. I have a right to my money and refusing to give it to me is criminal and I will file a complaint.
Product: Debt collection

Sent certified letter requesting debt validation under the Fair credit reporting Act. Company replied with a letter on XX/XX/21 stating that they will continue to publish this account. Company did not provide any debt verification. 

Company employee named XXXX XXXX Stated that there was not enough proof to validate the account to me and should be removed on XX/XX/21.
Product: Credit reporting or other personal consumer reports

1 ) XXXX - On XX/XX/XXXX Sent a Certified letter to have them remove a hard inquiry from XXXX XXXX XXXX that I did not authorize. They have not removed it from the report. 
On XX/XX/XXXX Sent a Certified letter to have them update/correct personal information on my file to reflect my current address, etc. and to remove all other addresses which were undeliverable. They did not honor the request. 
On XX/XX/XXXX- Sent a priority mail letter regarding negative information on my report, requested validation of alleged negative accounts with documentation copies bearing my signature. They have not furnished this validation. 
2 ) Transunion - On XX/XX/XXXX Sent a Certified letter to have them update/correct personal information on my file to reflect my current address, etc. and to remove all other addresses which were undeliverable. They did not honor the request. 
On XX/XX/XXXX Sent a Certified letter to have them remove a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that I did not authorize. They have not removed it from the report. 
On XX/XX/XXXX- Sent a priority mail letter regarding negative information on my report, requested validation of alleged negative accounts with documentation copies bearing my signature. They have not furnished this validation. 
On the following dates I was a part of four separate databreaches, I will attach copies of the announcement letters from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breach in XXXX ( Did not receive any documentation from them that I'm aware of )
Product: Bank account or service

three years ago bank of america put my name in the XXXX and other databases so i cant do any type of financial transactions on earth anymore. i had a direct deposit from an employer on a friday and typically the money would be available the following monday. on saturday morning i wanted to go to a book sale and pay cash so i wrote a check to my checking account and took out cash knowing that i would be able to cover the check with my direct deposit by the time bank of america " presented '' the check on monday. at bank of america, an transaction made after XXXX on a friday is a MONDAY business day transaction, so obviously my transaction on saturday morning was a MONDAY BUSINESS DAY TRANSACTION. the atm receipt had the date of the transaction ( which was about XXXX on saturday XXXX and also the " business date '' of the transaction which was listed as the following MONDAY. i had done this type of transaction many times before without problems. on monday when i went to the atm to deposit cash to cover the check i had written on saturday morning it said my account had been closed. i called bank of america the they told me they had put my name in the XXXX database as having done " bank fraud '' and that i would never be able to do any type of financial transaction on earth for the rest of my life. i then went over to the local branch in XXXX california and talked to the branch manager XXXX XXXX. he took {$860.00} cash from me ( this was monday afternoon ) so if they hadnt closed the account the check would have been fully funded. he called bank of america and they confirmed to him that they had put my name on XXXX and that i was now blackballed from doing financial transactions on earth. the corporate offices told him nothing could be done about it because " the department that put my name in the XXXX database doesnt talk to anyone, either bank of america employees or customers ''. this was very unfair to me as, under their own rules, bank of america should not have submitted that check until monday, and since the bank manager took {$860.00} from me, the check would not have bounced. obviously since bank of america did not lose money they were not the victim of " bank fraud ''. i went to several other banks like XXXX, XXXX and XXXX and credit unions and i was indeed blackballed from doing financial transactions in america, none of them would open an account for me. this has had a drastic effect on my life since my business in online and i need a bank account to receive payments from customers.