23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been a BECU Member since XX/XX/XXXX and I had an amazing relationship with them until XX/XX/XXXX. My grandmother passed away on XX/XX/XXXX in XXXX XXXX, AR. My immediate family and I had to leave immediately to be there to handle the funeral arrangements. We were not prepared at all and wish I had been for sure. Well I began writing checks to cover expenses and thinking that my direct deposit would cover the negative balance. Well things just gotten more out of control with bills, auto repairs, and loans from another financial institution. I started getting behind more due to the emergency trip to Arkansas and caused me to either be without completely for awhile or write another check thinking again it would be covered. It all hit once my account got negative {$1000.00} and so I was warned on the XX/XX/XXXX to stop writing checks or we will close the account for 6 months. I agreed to do so then asked the lady what should I do and how can I make payment plans to get the squared away because now is the time to fix this. I never had been in a hole like that and was tired of trying to write checks to cover what I owe to pay bills plus pay debt. She suggested to stop my direct deposit, open another checking account with the same institution then switch the direct deposit to transfer funds to the negative checking account in enough payments that would eventually cover the whole balance. My job had to issue me a paper check because of the canceling of the first checking account for the XX/XX/XXXX because it takes awhile for direct deposits to process to another account. Well I received my check and did what was suggested to me. I deposited my pay check into the 2nd checking account because BECU do not cash pay checks. Well once that was done, only {$200.00} was available to me and so I called it in to verify that it is my job pay check this time and to get it cleared so I can start paying off my negative balance plus have money for other bills that are due at this time. Well the lady I spoke to this time was not so kind and took matters into her own hands which she got my account locked and they kept my whole pay check saying there is nothing we can do. I was so appalled by the way everything happened so fast that it almost caused me my life. I just wanted to make things right and rebuild my account into great standing as suggested to but that is not how it happened. I have been calling and even went into a branch to see how this even come about? The lady had noted that I had 2 warnings when I only had one and the fact nobody wants to hear me out or work this out is shocking that an institution would even do someone like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting account is charged off when it was paid in full.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account XXXX : XXXX Account XXXX : XXXX. In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Prepaid card

RushCard ( UniRush, LLC, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX ) was going through a tech update. During this process, the entirety of cardholders ' accounts were unavailable for a few hours, which is understandable. However, now, 2 weeks later, a lot of cardholders ' accounts are still unavailable and people are unable to access their account ( some reporting that RushCard is unable to even locate their account ), others reporting that they had funds in their account and now the funds are missing or gone and RushCard has no idea where they went to. I personally was not affected for any type of direct deposit or card-to-card transfer or anything of the sort, but I DID have funds and felt unsafe at loading my card for fear of not being able to acccess the funds. I am reporting the aforementioned entities as fraudulent ( not a scam ; I 've been a loyal customer since 2009 and nothing like this has ever happened ) in the way they handle business. Some cardholders are even reporting that customer service representatives are even taunting them, claiming they got their funds on their cards from RushCard, yet people who are working and things have n't. It 's quite disheartening. Some are reporting that RushCard ca n't even locate their accounts, as if they were never a customer to begin with. Some say they call and are on the line for quite an extended period of time, while others are simply hung up on and have to call back, making them feel hopeless. Some have to go to other banks to take out loans, others going to payday loan places so they can pay bills and provide food for themselves and/or their loved ones, gas for getting to and from work, etc. XXXX cardholder claimed she received a phone call from RushCard stating they are " investigating accounts XXXX by XXXX '' and she will have to wait to get any of her stolen money back. She asked the RushCard customer support representative " how do I eat in the mean time '' and the rep said suggested her " local church or soup kitchen. " I have no idea what the majority of these cardholders are facing and it sickens and disgusts me that RushCard would do this and say things of this nature to cardholders, working-class people and people who receive a monthly check, some still waiting for it to deposit. 

How are people supposed to live and survive like that with a company who does these types of things? How are we supposed to entrust our funds and account information to a company, while having a nice record previously, now has XXXX that is quite less than stellar, and expect to be ok with this? I 'm only speaking on my behalf with examples in the text here. I do hope something comes of this because I, for XXXX, was completely thrown by this. I 'd always trusted RushCard, but not now. I am also hearing reports of RushCard funding people {$25.00} or {$75.00} or such for " system outage '' fees. I suppose this is hush money or to keep them from filing? No idea. 

Whatever the case is, cardholders are fed up and we need and demand action against RushCard and its subsidiaries. 

Thank you for reading.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit card

I HAVE SIGNED UP WITH XXXX, TO PAY OFF MY WELLS FARGO CC ACCTS., I WAS 160 DAYS PAST DUE, AND HAVE SENT THEM INFO FOR XXXX IF THEY HAD ANY QUESTIONS ON MY ACCT. 
INSTEAD ON XXXX/XXXX/16, THEY WENT INTO MY DAUGHTERS CHECKING ACCT. AND TOOK OUT {$960.00} FROM HER ACCT. WHICH MADE MY C. C. ACCT. UP TO DATE, AND KNOW THEY DO NOT WANT TO DEAL WITH XXXX TO PAY THIS ACCT OFF, I HAVE EXPRESSED THAT I AM NOT A ABLE TO PAY THIS AND IF THEY WILL PLEASE EXCEPT THERE OFFER, THEY THEY REFUSE, THEY HAVE SINCE TRIED TO TAKE XXXX OUT OF MY CH CHECKING ACCT, WHICH ONLY HAD XXXX IN IT NOW THEY ARE CHARGING ME NSF FEES FOR THIS, I DO N'T KNOW WHO ELSE TO TURN TO, THEY 'VE TAKEN FROM DAUGHTERS ACCT WHICH WAS SO UNEXPECTED, I HAVE EXPRESSED TO THEM SEVERAL TIMES AND HAVE WRITTEN LETTERS TO PLEASE SETTLE WITH XXXX, THIS IS THE ONLY WAY I CAN PAY THIS OFF, WITH SUCH HIGH INTEREST RATES AND FEES THE BALANCE IS NEVER GOING DOWN. 
CAN YOU PLEASE HELP. THANK YOU
Product: Debt collection

Someone calling him/herself XXXX XXXX XXXX has contacted me attempting to collect an alleged debt. I have demanded that XXXX provide the complete account number of the alleged debt, the name and address of the alleged creditor, and verification that XXXX is authorized to act in loco creditore. XXXX has failed to provide all of the information I requested.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.
Product: Mortgage

Our home was sold in XXXX of 2020 and our escrow refund has yet to be received. First roundpoint mortgage claimed they sent it to the wrong address and would resend. That was in XXXX and we still have not receive a check. I can not get a response from this company.
Product: Credit reporting or other personal consumer reports

I writing to formally request your immediate intervention regarding fraudulent accounts on my credit report. Despite mailing letters to the credit bureaus on XX/XX/XXXX, requesting the removal of these accounts and initiating investigations, there has been no action taken ot date. This failure ot address the issue is causing ongoing harm ot my financial well-being. 
These accounts appear ot be the result of multiple data breaches, including : XXXX XXXX XXXX XXXX XXXX, a leading provider of background checks, which compromised my personal information. 
XXXX XXXX XXXX XXXX, where I was confirmed as a victim ( screenshot attached showing my information was affected ). 
XXXX. XXXX XXXX XXXX, exposing my sensitive personal data again. This is the fourth such breach by T-Mobile, following incidents in XXXX, XXXX, and XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right XXXX dispute fraudulent information on my credit report, and credit bureaus are required ot investigate and resolve disputes within XXXX  days 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ). However, the following accounts remain unresolved : - XXXX Account # XXXX - XXXX XXXXXXXX Account # XXXX - XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX Sold to XXXX Debt Holding Account # XXXX XXXX XXXX Account # XXXX As per FCRA Section 1681c-2, if a consumer notifies a credit reporting agency of suspected fraudulent information, the agency is required to block that information within XXXX business days. The failure ot remove these accounts or initiate proper disputes within this timeframe constitutes a clear violation of my rights under the FCRA and 15 U.S.C. 1681 ( Right to Privacy ). 
I urge the CFPB to promptly notify the relevant credit bureaus XXXX, XXXX and Experian to remove these fraudulent accounts from my credit report and ensure compliance with the FCRA. The continued presence of these accounts is severely damaging my credit and financial standing, and it is critical that this issue be resolved immediately. 
I respectfully request that the CFPB take swift action to rectify this matter and confirn the necessary actions taken. I am a natural person disputing this issue independently, not through a credit company. 

Its is deeply troubling that XXXX, Experian, and XXXX have failed to address this issue despite my efforts. I am a natural person disputing this myself & not aCredit repair company. This is horrible by XXXX, Experian and XXXX not to Remove accounts. 

Thank you for your prompt attention to this matter. I look forward to your immediate response. 

I mailed you all CFPB as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Check my credit report every 30 days and I've noticed XXXX unknown inquires XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 



To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Planet Home lending illegally and incorrectly reported a payment as late and their representatives refused to offer any solutions as required and required under the terms of The Cares Act. Not only has planet home lending repetitively displayed miss conduct and unethical behavior, they have also refused to respond to a letter I forwarded requesting assistance and couldn't provide adequate notice and/or a reason as to why I was not notified of a late payment.

Furthermore, records show that during the transition from XXXX XXXX XXXX XXXX XXXX ) to Planet Home lending, proper documentation was lost that included details of my home owners insurance with XXXX to lapse. 

Under the Fair Credit Reporting Act, a person can receive a copy of a call if the individual requested the conversation is in a lawsuit against the business.
Product: Student loan

Made a payment yesterday XXXX/XXXX/2017 on all loans federal and private. Checked my bank account today and the payments are posted. However checked my navient.com account and it says my loans are past due. The interest rates are high enough I do n't need fake late fees. Also when I spoke to someone why it 's taking so long to pay loans under {$5000.00} they said the payments knly cover the interest. I 've been paying these loans for 7 orb8 years already and feel like I 'm not getting anywhere. I attended both XXXX XXXX XXXX University. And XXXX XXXX the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/2019 DEPT OF EDUCATION / XXXX Reported : XX/XX/2019 DEPT OF EDUCATION / XXXX Reported : XX/XX/2019 XXXX XXXX XXXX   Reported : XX/XX/2019 - {$1800.00} XXXX XXXX XXXX Reported : XX/XX/2019 + The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX have gravely abused their power. I sent correspondence via XXXX  regarding this violation. The XXXX  attempt was on XX/XX/2023 ; the XXXX  attempt was on XX/XX/2023. Nothing was done by either. I started reading the laws regarding the FCRA. From my understanding, the Fair Credit Reporting Act was created to promote consumer information 's accuracy, fairness, and privacy. I was not given that chance. The agencies listed above violated all rights reserved for me and willfully failed to comply with all codes listed.

1. FCRA 15 USC 1681a ( 4 ) states, '' There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. '' The agencies mentioned earlier did not comply, and I am the consumer. ( b ) it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, concerning the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements. 15 USC 1681 ( 2 ) EXCLUSIONS - a report containing information solely about transactions or experiences between the consumer and the person making the report. REPORTING TRANSACTION HISTORY IS ILLEGAL.

2. 15 USC 6801 states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) it is a financial institution by definition under that title.

The financial institutions and any consumer reporting agencies XXXX, XXXX, and XXXX do not have my permission to furnish this information, whether written, verbal, nonverbal, implied, or otherwise, is REVOKED.
Product: Debt collection

1. XXXX XXXX account that was created by my ex husband. He used my social security number to open the account used his email & new phone number ( the number they gave him ) so I was never notified. He stopped making payments it went to collections & I seen it on XXXX along with another account 2. XXXXXXXX  account was created by my ex husband after he couldnt use the XXXX account anymore he got a new phone with another phone service using my social security number again because it worked so well the last time. 
I tried contacting both. One wouldnt give me any information the other one gave me his email details which is quite literally his name.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX