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

Someone got hold of my XXXX XXXX card and used it. When I notice it I contacted the company right away to let them know, but for some reason they want me to pay for it. And they have a company by the name of XXXX XXXX XXXX contacting me
Product: Credit card or prepaid card

I noticed that my XXXX account no longer showed up in my accounts and visited my branch office of PNC. All they could tell me is that the account was closed due to inactivity. 
I contacted customer service to be told the same. I was not informed the XXXX line of credit was to be closed : I received no communication by letter or phone message. 
Closing my XXXX account without notifying me was problematic in itself even as all accounts in my name are active. Denying me another XXXX card after they closed my account added to it, but the recent letter of XXXX ( As you requested? ) Really? Is this a simple matter that the left hand does not know what the right hand is doing? 
Is this how they treat a veteran and a customer of almost 3 decades? 
pushed this over the edge and we have now taken it to the next level including numerous letters to corporate-no response. This prompted a complaint with the XXXX. On XXXX XXXX, XXXX XXXX informed me that the matter was given to her. From that point, I sent numerous emails requesting a solution to this issue. As of XXXX no response or solution. 
Furthermore, I filed an additional complaint with the XXXX no response from anyone. 

I simply requested one of two solutions-reinstate my XXXX line of credit, or inform me that you are not. 
I do not believe that my request is unreasonable. I have since applied for a credit card and was accepted by the first bank I applied to. 

Email copies available upon request.
Product: Prepaid card

The complaint is about fraud transactions out of my unemployment prepaid account with Bank of America. 

On XX/XX/XXXX. I went to the an atm branch of Bank of America at XXXX XXXX XXXX, XXXX XXXX, Ca and was trying to withdraw funds but was denied due to insufficient funds to my surprise cause when I checked my account a couple of days before, I had over {$2600.00} there. Then I checked my account online and it was showing I only had XXXX cents left on the account. Called Bank of America customer service and notified them that I saw 3 transactions on there that I did not authorize. The transactions I am disputing are withdrawals that was done on XX/XX/XXXX for {$1900.00}, XX/XX/XXXX for {$700.00} and XX/XX/XXXX for {$28.00}. They opened an investigation into the matter. I called a couple of days thereafter asking them of the progress and they told me it was denied because they said I authorized the transfer.Who in their right mind would even go into an ATM to try and withdraw funds if they knew they didn't have any to begin with. I asked them to send me details of the withdrawal as they couldn't tell me over the phone. They also told me to file a police report during this conversation in which I did for fraud and identity theft. I received a copy of the denial letter finally and a copy of the details of transaction I was asking for. I called them again to let them know the details of transaction did not include much info such as the recipient of the funds or a transaction id number. It just says, the amount and date and that it came from me. Once again I asked them to reopen the case and to send me more details of the transaction in question cause they couldn't tell me over the phone. To this date, I am still waiting for that letter. I have been cordial with My conversations with Bank of America Dispute Resolution Services but I feel like they are not willing to help me resolve this matter or even willing to help me get my money back. This is money from being unemployed for heavens sake! I have bills to pay and in need of this money to get by. I want to know what my rights are here or am I just screwed all together and out of {$2600.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the ALLY FINANCIAL regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNTS WITH DEBT IN MY NAME THAT I HAVE NO KNOWLEDGE OF WHICH I REPORTED MUTIPLE TIMES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX IN THE AMOUNT OF XXXX {$12.00} XXXX XXXX XXXXXXXX XXXX IN THE AMOUNT OF XXXX $ CARMAX AUTO FINANCE XXXX XXXX XXXX $ XXXX DEPARTEMENT OF ED.XXXX {$2600.00} $
Product: Credit card or prepaid card

I made a payment of {$2200.00} on XX/XX/XXXX. As of today, that payment is not reflected in my available credit. 

I spoke with a online chat and phone customer service representatives on XX/XX/XXXX and I was informed that my credit limit was frozen automatically. The fourth person I spoke to said that if you make any single payment greater than {$500.00}, it is held for 10 days. I asked, " if I made 5 payments of {$440.00} each instead of {$2200.00}, I would have {$2200.00} in available credit? '' And she said, yes. 

This makes no sense. A ten day hold is outrageous considering they've had my money for at least 8 of those days. The 10 day hold harkens back to a time people were mailing in paper checks.
Product: Credit reporting

XXXX posted on my credit report {$1300.00}. I spoke with the collection agency XXXX XXXX in XXXX 2015 to settle my account. XXXX XXXX offered me a settlement of {$790.00} which includes two payments of {$390.00} to be ACH from my checking account per XXXX XXXX. One payment of {$390.00} was deducted from my account XXXX/XXXX/2015. the remaining payment of {$390.00} was supposed to be deducted by ACH as well on XXXX/XXXX/2015. Payment was not deducted. I called XXXX XXXX and received only voicemail each time. XXXX decided to send my account to another collection agency ( XXXX ) to come after me for the remaining balance of {$910.00}. Credence posted immediately on my Experian credit report {$910.00} after sending me an offer settlement of {$850.00}. ( in which i had already settled with XXXX XXXX ). I forwarded XXXX the attached documents that a settlement and payment was made through XXXX XXXX and another was supposed to have been made on XXXX/XXXX/2015. XXXX asked that i forward the information to the email they provided me. I did and now they are requesting the additional payment that should have been made in XX/XX/XXXX in order for them to remove the incorrect balance off my credit report of {$910.00}. What seems to me is that XXXX is using different agency to collect from me after settlement has been made. I have uploaded documents in reference to this complaint and hope you can assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had financial issues due to the Covid pandemic, exponentiated by additional familial responsibilities during the pandemic. The company decided not to remove missed payments during this time, because of this, I continue to experience financial difficulties, despite not missing any other credit line or loan payments since the height of the pandemic.
Product: Credit reporting or other personal consumer reports

I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report. If company " verifies '' than show me the agreement signed between I and the creditor that authorizes me to give them consent to furnish these accounts Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS My only address is XXXX XXXX XXXX XXXX XXXX , Va in which I do not sent to it being sold or shared. Any other address on my report is nonmailable and needs to be removed. I Reserve All of my rights and waive none NAMES My only name is XXXX XXXX. Remove all others
Product: Student loan

( I have dates later on/for recent events but as issues started in XXXX, I am really unsure of the start dates. ) As I can show through documents, they have been reporting I 'm paying XXXX $ on my Navient Account History private loan/Tuition Answer statement. However, in my bank statements from XXXX XXXX and XXXX XXXX ( and for who knows how long prior -- I 'm working on getting those statements ), they 've been taking XXXX $ out. The bank shows the XXXX taken out on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and Navient shows the XXXX $ taken out/posted on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. Also, the amount going towards principal varies in ways that do n't make sense. I realize that the amount can changed based on how much is owed. However, in XXXX of XXXX, XXXX of the XXXX went to principal ; XXXX/XXXX/XXXX XXXX towards principal of the XXXX ; XXXX/XXXX/XXXX an unknown adjustment of XXXX cents added to principal balance ; XXXX/XXXX/XXXX XXXX paid to principal of the XXXX payment ; XXXX/XXXX/XXXX XXXX paid to principal of XXXX ; XXXX/XXXX/XXXX XXXX towards principal of XXXX payment ; XXXX/XXXX/XXXX XXXX to principal of XXXX. Should n't the amount going to principal go up or at least remain consistent if the loan is n't going up and payments are posting on the same days each month? I have not called the company on this particular issue yet because I want to document how long this has been happening with an outside source first. I do not trust that left to handle it on their own, they would do so in an appropriate manner. I have attempted to address other issues simply to find myself on hold and with little clarification on issues. ( I also can not log in as myself -- it says I am disabled from it but my husband ( co-signer ) can log in. This tends to be a running theme. ) This is particularly true because prior to entering into the for-profit world, I found them difficult in terms of repayment options. This student loan is a private one that I took out while waiting for federal options to become available. The loan is significantly higher than when I started. I had a lot of trouble getting the payments lowered and was instructed more than once that my only option was pay the full payment amount at a high interest rate or forebearance. At one point, I was told the only way to get my interest rate lowered was to stop making payments ( to get a program that would be much like a mortgage relief loan but turned out to be a reduced interest program whose structure I still do not understand. ) The forebearance 's caused unpaid interest to capitalize ; which I was made aware of. Anyway, in XXXX I left non-profit and started making full payments. Now, I am finding that I am still not consistently paying on the principal and that they are taking out more than what they are showing as applied. I am working on going back to XXXX to see if they were taking out more than is reporting on the Navient website/account history for longer than the last 2 months. Where did the extra XXXX $ a month go?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Complaint Regarding Failure to Remove Outdated Addresses from My Credit Report To Whom It May Concern, I am writing to formally request the assistance of the Consumer Financial Protection Bureau ( CFPB ) regarding an issue with the accuracy of my credit report. Specifically, outdated and irrelevant addresses continue to appear on my credit report, despite multiple requests for their removal. This failure to address my concerns raises questions regarding compliance with Section 623 ( e ) of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1679c. 

These outdated addresses are not relevant to my current financial profile or creditworthiness, and their continued presence creates unnecessary confusion, potential risks of misattributed accounts, and increases the possibility of identity theft. My current address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under Section 623 ( e ) of the FCRA, data furnishers and credit reporting agencies ( CRAs ) are required to ensure the accuracy of information contained in consumer reports. Additionally, under 15 U.S. Code 1679c, consumers are entitled to accurate and up-to-date information on their credit reports. The inclusion of outdated addresses fails to meet these legal requirements and does not serve a legitimate purpose. 

I have previously contacted the CRAs to request the removal of these outdated addresses, providing sufficient documentation to validate my current address. Despite my efforts, the issue has not been resolved, and no satisfactory explanation has been provided. I am requesting the CFPB to : XXXX. Show Cause : Require the CRAs to provide a detailed explanation as to why they have failed to remove the outdated addresses. 
XXXX. Take Corrective Action : Investigate and ensure the removal of outdated and irrelevant addresses from my credit report. 

Please contact me at XXXX or via email at XXXX for any further information you may require to expedite this investigation.

I trust that the CFPB will take swift action to resolve this matter. Thank you for your attention to this complaint, and I look forward to your response. 

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

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Trans Union has ignored my XXXX mailed disputes of fraudulent information on my credit report, when I complained here they responded with a non answer to my complaint and said I have not tried to dispute the fraud, They claim to have sent my credit report to my last reported address, I believe they sent it to the fraudulent address that recently appeared on my credit report. I have lived at the same address for 33 years. 
I have tried to use the phone numbers listed on their web site and the one given in the non response to my earlier complaint, when anyone will answer besides a very unhelpful robot they reach barely understandable people who apparently are trained to not help victims of fraudulent credit reporting. 
I have tried to use the web site but many years ago when I had a dial-up isp I set a secret question that asked my favorite car, that was many years ago I do not remember what I answered. I do remember trying to use the question what is your mothers middle name and being told the answer is not a word because it is only XXXX letters. I have tried to get them to reset this with only silence for a answer
Product: Debt collection

First of all XXXX XXXX, previously known as ( XXXX XXXX ) was an account I had back in 2004 this account was removed from my credit report based on credit report policy of after 7yrs being reported. I have never used my daughter email account in any of my personal credit card accounts. Further in XX/XX/2004 my daughter was only XXXX years old meaning the email used to contact me did not exist. So this third-party collection agency agent decided to violate my daughters privacy by how did they get to use her personal email to contact me? What if this person wasn't related to me and the companies employee assumed it was? My entire dept amount which I don't recall, it was given to this individual ( my ) daughter through spam-email including the year of it being opened and when it was charged off and the credit cards amount owed. It states in the bottom that collectors are only to contact your spouse and not to give anyone else your dept information.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX CARD Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most non affiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
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 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 transfers act. ( EFTA ) And regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations