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

I cant see my credit report on Experian.com and each time someone run my credit it keeps saying insufficient credit and when I check my credit history it say it stuck from XX/XX/year>.
Product: Credit reporting or other personal consumer reports

On friday, XX/XX/XXXX, at approximately XXXX XXXX XXXXXXXX XXXX XXXX XXXX, ran my credit report in excess of 2 dozen times and drove my score down more than 150 points. Then tried to sell me A car that's worth at most XXXX XXXX dollars for XXXX XXXX dollars Knowing that would be my only option now that my score was incredibly low
Product: Credit card

On XX/XX/year>, I called Discover 's Pre-Delinquency department to discuss going into a repayment plan as I was not in a good financial situation at the time. I had just changed jobs and took a significant pay cut, so the best course of action for me was to go ahead and inquire about a repayment plan instead of taking the high interest rate on the chin. Discover had a repayment program for 12-months at a 14.99 % interest rate, and after one year, they would evaluate my account and determine next steps. I agreed to it, but prior to my agreement, I asked them if I could leave the program early if the credit card was paid off early, especially if I get into a better financial situation. The person I spoke with said I was allowed to leave the program early with no mention of any account review or anything. Please note that this is key in the later portion of this complaint. I agreed to the program under this pretense. After the discussion, I asked if I could get copies of all documents relating to this program and they agreed to it. I hadn't received it. 

I called back in XXXX because I wanted to know about leaving the program early, and they told me that I could, but an account review would need to take place if I wanted to leave the program early. I had informed them I was told an account review was never discussed for leaving the program early, in which I was told that I was misinformed and they were sorry about that, but they wouldn't honor that request without an account review. I understood *why* that would be, so I retracted my request and continued to pay on the card. I was a little frustrated because that was not disclosed when I asked about it before agreeing to the program. I did, however, request a second time to get the documents I verbally agreed to and again, I never received them. 

I called again on XX/XX/XXXX to leave the repayment program as the card was fully paid off. I spoke with a lady in Pre-Delinquency, who informed me that I have to carry out the entire term of the 12-months, despite me getting information prior that I could leave the program early. Once the 12-months had passed, an account review would be done and I was told I wasn't guaranteed that I'd get access to the card after that 12 months. I told the representative that wasn't what I was told, and that I got a different answer every time I called and asked about it, and I was on the verge of closing my credit card. I requested these documents pertaining to the repayment period for the third time, and I still have not received them.
Product: Prepaid card

Hello, I have a {$50.00} American Express gift card that keeps getting declined in store and online. The card says its activated and that it has a {$50.00} balance. The items Im trying to purchase are way below the {$50.00} price.
Product: Checking or savings account

I was charged a {$72.00} overdraft fee on XX/XX/22 by United Community Bank as soon as my {$500.00} deposit was made pending to my account. I have no idea why or what transaction caused it, and based on my review of my account it looks like it caused my posted balance to become - {$20.00}. 

This {$72.00} sounds exactly like what CFPB stated was illegal with their recently issued policy guidance. It is certainly predatory and usury. Amusingly, the circular describes these outrageously high surprise fees as being " as high as {$36.00} '', when this one is DOUBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Verify This invalidated account Account XXXX : XXXX Please remove it from my credit report.
Product: Student loan

I am inquiring about my bankruptcy and my student loan debt. Back when I filed bankruptcy, I was told by the bankruptcy attorneys that student loans were not allowed to be put in your bankruptcy. I have had the same amount of student loan debt for over XXXX years. I have made payments for the full XXXX years and my balance has never gone down. Why wasn't this put into my bankruptcy? Was my attorneys at fault?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

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 ( AN ( 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. 

Remove Following Addresses listed that doesnt belongs to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611 . If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting or other personal consumer reports

Transunion is violating my consumer rights. They are fraudulently letting XXXX  XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Transunion for failure to investigate as I'm a federally protected consumer. I will also be reporting both Transunion and XXXX XXXX to the IRS filling out form XXXX A information referral for unreported income since Transunion gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX. I attached proof that XXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXXXXXX pays Transunion to report inaccurate information and Transunion refused to give me a fair investigation for their financial gain.
Product: Debt collection

On or about XX/XX/2021 XXXX was mailed a letter Notice of Dispute ; Demand for Validation and Proof of Claim. Stating Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract. XXXX sent consumer a letter XX/XX/2021 requesting that the reporting company DISCOVER BANK and XXXX XXXX  verify the accuracy of the information being disputed. XXXX XXXX requests and demands from DISCOVER BANK & XXXX SERVICES verifiable proof of the " original instrument of indebtedness '' which is an original contract signed with wet ink between XXXX XXXX and DISCOVER BANK. XXXX XXXX also demands DISCOVER BANK & XXXX SERVICES to produce the account and general ledger statement showing the FULL ACCOUNTING of the alleged debt obligation DISCOVER BANK & XXXX SERVICES is attempting to collect ; signed and sworn by the person responsible with fiduciary duty to maintain these records associated with the account and having first hand- knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. Demanding the original instrument of indebtedness for visual inspection of XXXX XXXX original wet ink signature on the promissory note " application '' ( not a photo copy ). XXXX XXXX demands that DISCOVER BANK & XXXX SERVICES provide a statement admitting whether they are the holder in due course or whether DISCOVER BANK is the servicer. This is not an attempt to not pay or avoid payment, but a conditional acceptance upon proof of claim. XXXX XXXX would like to settle the matter upon conditions previously stated within this statement. XXXX provided a response letter XX/XX/2021 stating " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THIS ACCOUNT HAS BEEN UPDATED. '' In accordance with FCRA 611 ( a ) ( 7 ) This is NOT a request for a reinvestigation of the previous dispute. This is a request for a Method of Verification where the following items should be provided to ensure the validity and accuracy of the account ( s ) with DISCOVER BANK & XXXX SERVICES. Provide any and all documentation used to VERIFY account ( XXXX ). On XX/XX/2021 DISCOVER BANK & XXXX SERVICES sent a letter stating that they had completed the investigation and the items were not deleted, as requested. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), DISCOVER BANK & XXXX SERVICES is required to forward all of the relevant information XXXX XXXX provided in this CONDITIONAL ACCEPTANCE. 

Please provide consumer with all of the information XXXX used for their investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the items, as originally requested.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXXXX, XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX give authorization to investigate this claim. No third party is working on my claim as stated by you in previous claim. 

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ). Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain inaccuracies on my credit report and to bring to your attention that your company was sued by the CFPB? Youre failing to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) regarding my disputes Despite my previous communications regarding specific items on my credit report, I have not seen any evidence that you have initiated reinvestigations into my disputes. 
This lack of action is a direct violation of the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), which mandates that consumer reporting agencies must reinvestigate disputes submitted by consumers.

Moreover, I am concerned that you have failed to forward my disputes to the original creditors, which further undermines the accuracy of my credit file. This failure not only violates the FCRA but has also resulted in ongoing inaccuracies that adversely affect my creditworthiness. 

Additionally, I believe that you have not implemented or followed reasonable procedures to ensure maximum possible accuracy in my credit report, as required by 15 U.S.C. 1681e ( b ). The inaccuracies in my report are detrimental to my financial standing and are causing significant distress.

As a result of these actions, or lack thereof, I believe that Experian is engaged in unfair acts and practices that violate the CFPA, specifically 12 U.S.C. 5531 ( c ) and 5536 ( a ) ( 1 ) ( B ). Your continued failure to address these issues is unacceptable and must be rectified immediately.
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 and procedures under the Electronic Fund Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have disputed two fraudulent charges in my prior complaint but after four months XXXX has only issued a partial credit for one of the two charges which total almost {$180.00} plus interest charges of more than {$30.00} so far. The disputed charges took place on XXXX. 

Each XXXX rep I have talked to agrees the charges are fraudulent, but only a partial credit has been issued so far. 

XXXX 's response to my initial complaint was replete with misstatements of facts, falsehoods and untrue statements. I was never consulted during their investigation ; they relied entirely on fraudulent statements from the merchant. XXXX appears to be conspiring with this merchant to defraud me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with XXXX XXXX and they put a security hold on the account for months blocking me from changing the address and even speaking with someone on the phone in regards to servicing the accounts like updating the address and or getting account information. Every time I would call I was told I needed to speak to security and they would give me a list of things to send in. I even went into a branch in XXXX Ga ans after giving them the information they wanted they also told me they would update the address only to find out it never happen. I than later called got login on line to find the credit card was past due 30 days. I never activated the card it was not a annual fee it was a card shipping fee. It was taking off by XXXX federal as they have agreed yet my credit is destroyed! They tell me there is nothing they can do. this is insane I never use the card and was told the account was closed until I cleared things up with security. Please step in so I may fix my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate custom service and unfair practices, which violated the consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress the for these violations.
Product: Debt collection

In XXXX of this year I noticed an account reporting on my credit file and by RGS Financial. I immediately mailed them a letter requesting validation and more information pertaining to this account. It 's been several months and they 've still yet to send any sort of communication pertaining to this supposed debt, however the account continues to report on my XXXX credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights, 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
Product: Checking or savings account

Bank of America Westchester Branch Theft of Safe Deposit Box XX/XX/XXXX I opened an account with Bank of America Westchester Branch in XXXX while at the same time I opened a safe deposit box I have been visiting the safe deposit box for over 10 years Earlier in XXXX I went to visit the safe deposit box and the biometric scanner that I had been using for 10 years was gone I went to the teller and asked how I could gain access to the safe deposit box and why they had removed the biometric scanner The teller went to get the branch manager The branch manager told me that they did not have good records of who had safe deposit boxes so they removed the biometric scanner and were forcing everyone to visit the teller to gain access to the safe deposit boxes Upon checking the branch manager told me that they did not have a record of my safe deposit box either Since the account was a joint account he told me that I had to come in to the branch with the other joint account owner and complete new paperwork for the box My wife and I went to the branch and completed a new agreement for the box I could not get a response from them for several months on the status Now they are telling me that my box never existed and they will not provide me access to the area where the box is located I argued with them but they will not give me access even though I have the key to the box I have documents and other valuables stored in the box Many items are valuable and not replaceable I consider this action to be grand theft and fraud
Product: Student loan

Received a phone call from the 'federal student loan processing center ', voicemail left by a man name " XXXX '' and that I 'm eligible for a reduction in my student loans, an offer from the current administration. I did not speak to this person, only have a voice mail on my cell phone from phone # : XXXX. I have not and will not return the call, nor take the call if I 'm call upon again.