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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Equifax has stated they updated my account correctly to show XXXX collections. When viewed on their website it shows XXXX collection accounts. When viewed on their paper copy of my report it also says XXXX Collections. They stated they had fixed all issues but when my XXXX score is accessed it shes they are still reporting a collections accounts behind the scenes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX Account XXXX XXXX Account XXXX XXXX Account, XXXX  Account has 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 an account without my written instructions
Product: Student loan

I was a victim of a fraud company that stole a large sum of money from me that led to my filing a XXXX  XXXX bankruptcy in XX/XX/XXXX which was completed in XX/XX/XXXX. My XXXX XXXX loan was not included in this bankruptcy as I was able to work in my chosen career and currently am which makes student loans ineligible for any bankruptcy inclusion. In XXXX, the loan servicer was informed of the completed bankruptcy at which point they cancelled my auto debit and switched me to manual monthly payments and stated I had to submit the completion paperwork for the XXXX XXXX bankruptcy which I did. It was then reported on my credit report that this loan was included in the bankruptcy and was discharged and had no balance left. This is not accurate as I carried a balance and due amount the entire time that I paid every month. I disputed several times with no change as the loan servicer would claim this was " correct '' This caused my credit score to continuously yo-yo XXXX points constantly. This month the loan servicer has now stated to the credit bureau 's that my student loan is part of a XXXX XXXX bankruptcy and one bureau even shows it was delinquent in XXXX when the actual XXXX  XXXX bankruptcy was filed. This is patently false. I have never missed a payment and was actually paying ahead and over the amount due at every payment. I also never filed a XXXX XXXX bankruptcy and it is literally illegal to file multiple bankruptcies in a row so is not possible to complete. They also placed my account in " admin forbearance '' without my permission which removes my monthly payment but continues to accrue interest on the loan. I again disputed these reports on my credit report with the loan servicer once again stating they were " correct '' and " true '' despite this not being the case. In one of my many conversations with the loan servicer I was told that they had asked the loan holder if they wanted to include my loan in the bankruptcy that was completed. I never asked them to do this. They did this without my permission or knowledge. I was also told that there is no time line for the loan holder to answer or respond to this question so at this point I could never receive an answer and this can continue indefinitely. I was told this was asked of the loan holder in XX/XX/XXXX and as of XX/XX/XXXX there was still no answer. I can not understand why this company would think they should ask permission to the loan holder to include a student loan in a bankruptcy that it clearly does not qualify for, with no time frame requirements for a response, while continuing to report inaccurate and incorrect information to the credit monitoring bureaus that negatively impact the actual person paying the student loan back, all without talking to or seeking permission of said person. At this point, I can only assume this is either gross negligence or intentional dishonesty with the continued wrong reports to the credit bureaus and refusal to correct the information.
Product: Money transfer, virtual currency, or money service

RE : issue regarding money received by Venmo on XX/XX/XXXX A deposit was made by my daughter to me through VENMO on XX/XX/XXXX. My login fails, so I can not access or transfer my balance to my bank. The following message appears in pink box top of screen every time I try to login! Check your info and try again. 
I tried for over 6 hours over three days. 
I need the money my daughter sent to me on XX/XX/XXXX to be deposited to my card at XXXX XXXX  ( on file w Venmo under my name ). I tried to re-imburse her as a refund through Venmo with my XXXX  card and it went through on my card ( and I noted it as refund so she would not worry since it was sent to me to buy food ) BUT I NEVER actually got the money she sent me although there IS a record of it on Venmo! I spoke XXXX XXXX XXXX XXXX XXXX XXXX  who gave me Ticket # XXXX to prove our conversation time happened. XXXX confirmed they received the deposit made by my daughter of {$30.00} on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the subject of this complaint : 1. XXXX  was notifed and provided all supporting legal documentation in support of my name change. My name is not XXXX XXXX XXXX, however XXXX  continues to report this incorrect name 2. The correct spelling of my name is XXXX XXXX XXXX. 3. There is a hyphen between my XXXX middle names. 4. There is an upper tier underscored c followed by a capital B in XXXX. 5. XXXX   is erroneously reporting Ally Financial as late. This car payment has never been late. 6. XXXX   is reporting an Ally Financial past due balance of {$20000.00}, when the payment is not past due. 7. XXXX and Ally Financial are over reporting the current loan balance of {$17000.00}. 8.  XXXX is reporting unauthorized hard credit inquiries from XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXl and XXXX XXXX XXXX XXXX. I did not authorize any hard inquiries from these institution, but I was contacted by each regarding pre-authorized card offers which [ they each ] promised would not impact my credit score. 9. XXXX is improperly reporting XXXX XXXX, XXXX XXXX and XXXX as my employer when none of the aforementioned are my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my credit file on XX/XX/2021 with Equifax after finding numerous inaccuracies reporting negatively. They then updated my credit file on XX/XX/2021 and I still found inaccuracies. I then sent them a request for method of verification for the updates of which they received on XX/XX/2021 and they failed to respond within 15 days as per FCRA rules. I have sent all correspondence with certified mail and I do not believe that they actually investigated anything other than using their electronic methods. I want to formally make a complaint for Equifax to remove my negative credit file for violating my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TRANSUNION LLC, XXXX you 3 credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all XXXX of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX, TRANSUNION LLC, XXXX PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to XXXX. XXXX. XXXX XXXX Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate information!!!!
Product: Credit reporting or other personal consumer reports

After waiting 30 days from the original complaint to Equifax, I had to request again. While Equifax removed two of the four problems from the original complaint, they refuse to remove the remaining two inaccurate reportings in the complaint. I have provided them with all the proper information as is evident with the removal of the first two of the four. Here is my follow-up letter requesting the information of their investigation : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX : XXXX XXXX - XXXX | DOB : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I filed FTC Identity Theft Criminal Complaint # XXXX. I also requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally by your company. 

On XX/XX/XXXX your agency sent an email stating that you had not complied and started the investigation staging a formal police report and additional information was necessary. I wrote to clearify that I reported all necessary information of my data breach in my FTC identity theft complaint.

This letter is a formal request under FCRA 611 ( 15 U.S.C {$1600.00} ) for a detailed description of the procedure that was used by your agency in providing all information to the creditor associated with my dispute under FCRA 611 ( a ) & original CFPB complaint request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) filed with on XX/XX/XXXX. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with the information used in your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please delete each of the items, as originally requested. 
I am listing all of the items below that you continue to list erroneously. 
XXXX XXXX under the account number XXXX XXXX Card under the account number XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove each of these items immediately. 

As of today these items have not been addressed. In 30 days my attorney will begin with a lawsuit. 

Regards, Thank You, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I reached out to square to have my XXXX corrected. I need my XXXX number changed from my social security number. We went back and forth and i have a total of XXXX messages. I sent everything they asked for which were bank statements to prove the XXXX and their last message was on XX/XX/XXXX. I have sent emails since then and Im being ignored. They refuse to correct my 1099 and its preventing me from filing my taxes! My accountant says we have till XX/XX/XXXX to have this corrected. Ive tried reaching out and they dont respond.
Product: Vehicle loan or lease

from XX/XX/XXXX XXXX to XX/XX/XXXX I have been making payments to USAA at 15 % interest I did not know that military max interest reate was 6 % for all XXXX XXXX. 
I applied for a loan with usaa in XX/XX/XXXX they set it up in the amount of 15 % interest. 
I am XXXX XXXX I qualified for the 6 % interest rate at the time the loan was approved because of my XXXX XXXX status.
Product: Credit reporting or other personal consumer reports

As stated in the Fair Credit Reporting Act 15 USC 1681 Section 602, it is decisive for consumer reporting agencies like XXXX and Experian to carry out their responsibilities with fairness, unbiased, and respect for the consumer 's right to privacy. As the consumer, I have the right to make certain that my private information is not shared, as supported by section 6801 of the same Act. This section emphasizes that financial institutions, including the entity furnishing information to credit agencies, have an ongoing obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. Section 604 ( a ) ( 2 ) of the Act states that consumer reporting agencies may only furnish a consumer report under specific circumstances, one of which is when they receive written instructions from the consumer to whom the report relates. In this case, neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have my consent to furnish this information, let alone my written consent. Therefore, any previous consent given to XXXX, Experian, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, section 6802 ( b ) ( c ) of the Act states that a financial institution can not impart nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an explanation of how they can exercise their right to nondisclosure. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Furthermore, section 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse item of information in a consumer report, except as authorized under subsection ( b ). In conclusion, it is evident that the actions taken by XXXX, Experian, and the furnisher of information to credit agencies are in violation of the Fair Credit Reporting Act. As the consumer, I expect my rights to privacy and covertly to be respected, and I demand that immediate corrective measures be taken to rectify this situation.
Product: Mortgage

We 've been working w CITI Mortg. since XX/XX/2016. All requests have been submitted 1-3 times. Rcvd letter documents complete XX/XX/2016 review by XX/XX/2016. Accused of no reply to messages but not rcvd from CITI or XXXX coach when requesting outcome from XXXX on XX/XX/2016. Now they are requesting from the beginning again to re-open proceedings for refi. With CITI NO Dept. is synced with the next. XXXX is not synced with CITI at all times. Harassment of late payments when current. XXXX bank XXXX can confirm this. Both my husband and I called CITI to get date changed ( according to SSI and Pension ) ... they refused but agreed to stop late charges within the 30 day grace. This has not stopped either. I have documented all ... we went to an independent financial counseling service during this in XXXX thru XXXX All documents sent to CITI also was cc to counselor. At that time it most have been noted by CITI and requests slowed and stopped with letter XX/XX/2016 as mentioned ALL DOCUMENTS RECEIVED. XX/XX/2016 XXXX requested more documents ... not done as XX/XX/2016 close to 30 pages of requests scanned an emailed of which many were for the second and third time. Foreclosure threat started in XXXX and Bankruptcy in XXXX and XXXX.
Product: Credit card or prepaid card

I had fraud on my accounts, so I ordered a replacement card. This company said they sent me 2 replacement cards in the mail. I never received either of them. I have called and they only want to charge me to ship the card to me a different way. I had to argue with the customer service representative for over 10 minutes on the phone before even getting him to put me on hold to even try to get to a manger the next time I called. Still unsuccessful of getting this company to send me a card a different way. I will no longer pay on my account until this is resolved. My other 2 bank cards had no issues sending their cards out the correct way. And we do not have a street mailbox where I live, we have post office boxes.
Product: Credit reporting or other personal consumer reports

On XXXX of XXXX, I asked EQUIFAX for a Reinvestigation of account XXXX XXXX XXXX Which came back as verified and accurate. I did the same with XXXX, to my avail XXXX deleted the account to violation of FCRA reporting act of in accurate information being reported. First, this account is over 7 years old and it was reporting inaccurate balance which manipulates fair reporting by law. EQUIFAX had more than enough time to fully verify the accuracy of this account which is over 7 years, and must be deleted. EQUIFAX has failed to do so which l Violates my consumer right that or protected by the FCRA and the CFPB.
Product: Money transfer, virtual currency, or money service

I was a client of celsius company which went bankrupt in XXXX making me loose thousands of dollars ( XXXX plus ) due to being a scam. They went into bankruptcy and emerge of it on XX/XX/XXXX promising some recovery funds based on the bankruptcy plan. I got my codes to redeem my claim ( recover funds ) XX/XX/XXXX but when trying to redeem it on XXXX ( the provider they assign to me ) it did not allow me, it says claim code is incorrect. I contact multiple times XXXX and they did not help and contacted XXXX for support and they did not even answer me back. Its been way over a month of not receiving my XXXX, the XXXX they assign to me have risen over 50 % on these timeframe and I have lost the ability to gain that back or even have my XXXX back. I feel I am getting robbed every single day and its very frustrating to not be able to meet my financial needs due to the incompetence of XXXX/celsius and XXXX.
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 in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXXalance Owed : {$730.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have spoken to all 3 CB to have these inquiries removed *Vanderbilt MTG Finance XX/XX/XXXX Primary Residential XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CB s have sent research letters to Vanderbilt on XX/XX/XXXX and Vanderbilt has sent nothing back to validate the inquiry. These inquiries were done without my permission.
Product: Checking or savings account

XX/XX/XXXX TO : TD bank RE : {$450.00} promotional bonus, at least {$75.00} fees, personal time {$2000.00} to collect unpaid bonus, credit damages {$25000.00} for failure to close accounts under asking On XX/XX/XXXX I already filed a complaint against TD Bank for failure to pay {$450.00} promotional bonus. Now this bank continued to drag me without my consent to cause extra fees at least {$50.00} plus credit damages. I am not going to repeat that both of my accounts ending in XXXX and XXXX have already met promotional requirement. For example on XX/XX/XXXX a direct deposit more than {$2500.00} has been deposit to premium checking XXXX within 90 days of account opening. On XX/XX/XXXX another direct deposit more than {$500.00} has been deposit into convenience checking ending in XXXX. Since both of these two accounts met promotional bonus requirements, therefore I insist to ask {$450.00} bonus plus my extremely precious time to contact TD bank in person for at least 5 times including branch visit, phone, and secured messages. I spent at least 10 hours at {$200.00} per hour to collect this promotional bonus for {$2000.00}. On XX/XX/XXXX when I called this bank again to ask promotional bonus and extra fees {$25.00} caused by this bank for failure to pay and close the account. The representative named " XXXX '' told me that the {$300.00} bonus for premium checking XXXX will be posted on XX/XX/XXXX. I had asked this employee to give me her ID number and her last name plus reference number regarding her statement, however she told me that she made statement on my account to ask me to check the {$300.00} bonus on Monday XX/XX/XXXX. On Monday I checked the balance that NO any {$300.00} credit was posted on my account then I feel that I was cheated by this bank. Subsequently there was another {$75.00} fee were posted on my account which further damage my credit. On XX/XX/XXXX I left another message to TD bank XXXX branch to ask them to pay {$450.00} bonus and close both accounts. However this bank totally ignore my message. I had terrible experience with this bank not only this bank cheat consumer, but ignore my constant complaint to close two accounts which caused extra fees {$75.00} plus credit damages {$25000.00} and my personal time {$2000.00} to collect promotional bonus. This bank had terrible customer service to cause me at least 30 minutes to reach customer service by phone which is extremely inconvenient. I never had experience to have overdraft to damage my credit. At this time, I am asking restraining order against this bank to continue to drag consumer without my consent for failure to close both accounts. Since both accounts exceed 95 days after terms and conditions were met, I am asking to pay {$450.00} bonus, {$25000.00} credit damages, at least {$75.00} fee, my time {$2000.00} to collect bonus since XX/XX/XXXX to present time. Also close both accounts immediately to prevent further fees and credit damages. Delete all banking information I am not willing to bank with company anymore due to cheating.