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

1. Background and Issue : I am a victim of the Equifax data breach, which compromised my personal information, leading to unauthorized activity on my credit report. In response, I formally requested that Equifax delete fraudulent inquiries, as permitted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( a ). Despite my detailed written request, Equifax has failed to take action to remove these inquiries from my credit report, exacerbating the harm caused by the data breach. 2. Details of Unauthorized Inquiries : I am requesting that Equifax delete the following items : Inquiries : XXXX XXXX XXXX XXXX ( dated XX/XX/year> ) These items are the result of identity theft and are negatively impacting my credit report, adding further distress following the Equifax breach . 3. Equifaxs Failure to Act : Equifax has not acted on my request, despite my citing the specific legal provision, 15 U.S.C. 1681c-2 ( a ), that mandates blocking and deletion of fraudulent items due to identity theft. This inaction leaves me vulnerable to potential financial loss, as the unauthorized accounts and inquiries can affect my creditworthiness and credit score. Equifaxs lack of response not only violates my rights under the FCRA but also breaches its duty to protect consumers whose data it failed to secure in the first place. 4. Request for CFPB Assistance : I request that the CFPB intervene and compel Equifax to comply with my request to delete the fraudulent inquiries promptly. Equifax should be held accountable for : Addressing the inquiries resulting from the data breach and identity theft. Providing written confirmation that these items have been blocked and deleted from my credit report. Offering clear and timely communication regarding their actions taken in response to this complaint.
Product: Credit reporting or other personal consumer reports

I request that you investigate this matter, remove the fraudulent account from my credit report, and notify me of the outcome of your investigation. Please also provide me with a corrected copy of my credit report once this issue is resolved.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and notified your agency on ( XX/XX/year> ) about some items I disputed. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to a way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notice, which I have attached once more again for your record! 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 USC 1681i ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

So recently I had visited a Retail Store as I was shopping & attempted to purchase I was ask by store associate if I was interested in applying for their store retail card ( not credit card visa/master card ) if approve receive additional discount. I also asked if this would be soft or hard card? It was explained that Id recently applied & approved for three card lines ( drops points/hard credit checks ) after accepting credit. Also told told about previous creditor that misrepresent & given inaccurate information about their inquiring process for their store card which was disputed & later remove from credit report. So sale associate reassured me that this wouldnt be hard, but a soft credit to determine a line credit for their store card ( aka XXXX XXXX issuer XXXX XXXX  ). Also stated that I already had XXXX  ( which as used for purchase on XX/XX/XXXX ) card. But I was convince & mislead to believe otherwise ; that would be a soft credit instead of hard credit. So reluctantly applied for & was told that I will receive a letter via mail with a decision in response to inquiry. So to my dismay & surprise that it was in fact a hard inquiry happen apply which lead suspect she do retail store card, but store visa/master credit card which uses consider a hard inquiry. I already reached to XXXX XXXX  as well as all three credit bureaus about this incident that took place with to inquiring that was misinformed to me at the time. I was then told by XXXX issuer for XXXX XXXX card that they will process a compliant/investigation on my behalf as well as submitted it to all three bureaus to look into to get it resolved by removing off my credit reports. Since then after contact all three credit bureaus in order to follow up with about the incident regarding XXXX XXXX I wasnt reassured or confident that compliant would be taken seriously. Im even sure if there is a report on filed on my behalf about the misinformation & process to have inquiry removed. I think this incident should be further investigated & resolved in timely matter.
Product: Money transfer, virtual currency, or money service

Dear Consumer Finance Team, I hope this email finds you well. I am writing to seek your assistance regarding an issue I am facing with my Venmo account. Recently, I discovered that my Venmo account has been permanently deactivated, and I am unable to access the balance of over {$4500.00} that remains in the account. 

To provide some context, I had not logged into my Venmo account for several months. When I attempted to access it recently, I found that it had been deactivated. I contacted Venmo 's customer service to inquire about the reason for the deactivation, but they were unable to provide a clear explanation as to why my account was permanently deactivated. They informed me that my funds would be held for 180 days, which I find unacceptable. 

I want to emphasize that I have not engaged in any fraudulent activity, violated Venmo 's terms of service, or committed any wrongdoing that would justify the permanent deactivation of my account. The funds in my account are legitimate and were intended for personal use. I am deeply concerned about the hold placed on my money, as I need access to these funds. 

I kindly request your assistance in resolving this matter. Could you please help me understand my rights as a consumer and guide me on how to recover my funds? I believe that holding my money without a valid reason is unfair, and I would like to explore all available options to resolve this issue promptly. 

Thank you for your time and attention to this matter. I look forward to your guidance and assistance. Please let me know if you require any additional information or documentation from me to proceed. 

Best regards, XXXX XXXX
Product: Debt collection

This company failed to send me a Notice of Debt which they are legally required to do. This company never provided the name of the original creditor, the amount owed, or notice of my right to dispute the debt. I paid the original debtor directly, which was Progressive XXXX insurance, the remaining balance of {$160.00} on XX/XX/. If I was able to pay Progressive directly, the company Credit Collection Service did not own the debt. They are violating my rights by trying to collect on a debt they do not own and they are also violating my rights by appearing on my credit reports as a collection account. My rights are being violated by this company and I will escalate this if this is not resolved.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

XXXX has removed XXXX auto account and XXXX. XXXX has removed XXXX XXXX and XXXX due to inaccurate and unverifiable information, I demand deletion due to the inaccuracies and unverified information.
Product: Payday loan, title loan, or personal loan

I make my truck loan payments on the XXXX or earlier every month in XX/XX/2019 I logged into TD Auto Finance website as they encourage you to do and made a larger payment then my required payment. The web site accepted the payment but did not give me a confirmation number. I made a note of this and the next payment in XXXX I logged in and there was no notice of missed payment or notice of a balance due just the standard payment amount. Once again I made a larger payment. Each successive month I over paid my monthly amount in XXXX I happened to open their paper statement and it showed the had received the larger payment in XXXX but said I had a balance due and had late charges. Calling them I found out that their system had not processed the XXXX payment and when I asked why there was no indication of the non processed payment on the website I was informed the website wont show that it only takes payments. None of their information indicates that in fact they push you to the website to manage your account. So instead of being ahead on my loan I was behind. I pay all of my bills online and manage all of my accounts and all of them provide me clear notices if there is any type of issue. TD should have to clearly state that the website is not an account management tool but just a payment gateway which they do not.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my student loan account on my transunion report 3 times with the same start date and balance all under diffrent companies. It was not sold and was a government loan. Im paying on it .one of the accounts reflects this. Triple reporting is unethical and against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

1. The creditor never sent me a post-repossession notice which was supposed to provide me with the amount due, where to pay, and where to get my vehicle back. I was told that I have no right to reinstate which is a violation of state law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not prove that this account is being reported accurately, then delete it 2. I am disputing this account for inaccurate information because this account has been re-aged. 
You are reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX. 
This is a clear 2-year difference. This is a violation in reporting need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 
XXXX XXXX XXXX XXXX XXXX Please Submit onto XXXX form and please Delete under section 1681s ( 2 ) ( b ) They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer report.
Product: Mortgage

The company that owns our property has changed loan services multiple times over the past 5 years, and now with this new company named XXXX XXXX all of a sudden our payments are late or not posting on time to cause late fees in which those have increased as well, we are not getting our grace period and no one seems to know what it is. The late fee went from {$15.00} to {$30.00}. Our escrow has never been low, but now there is not enough to cover our state taxes in which has now caused our payments to rise. I XXXX faxed sales disclosure forms to the loan servicing office for someone to fill in the blanks for our homestead taxes which will lower the taxes and they have refused. The last guy named XXXX ( No last name ) that was in charge of our loan through this company, noticed the late charges that should not have been accumulated on our billing statements and he then was fired from the company. We feel this company is trying to make families in our position loose or take their homes because of these issues. My husband and I have tried to talk to the company and get nowhere. They first stated that they couldn't receive biweekly payments just to find out they told us wrong the first time, we also had to make changes to our bank account in order to deal with this XXXX   company. We are sending copies of the documents of payment history, current statement, and documents from the county office that shows the owner of the property for the homestead. I have never had problems with a company like this, if you look at all payment history from XX/XX/2009 to now, we may have had a few late fees, but my payments were ahead until XXXX took the loan. The last photo is of the letter we receive every month because the payment hasn't posted in their system and no one can tell us a correct grace time, and if this isn't enough I can provide bank statements as well. Prior payment history should be available to see our payments were no problem before XXXX. I feel this is discrimination and something needs to be done now!!
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I pulled my XXXX credit reports from XXXX, XXXX, and TransUnion. I noticed an account : XXXX XXXX Bank was listed on XXXX, XXXX and TransUnion. I submitted a dispute to XXXX, XXXX and TransUnion to have account deleted, as this account was paid. 

On XX/XX/23, I was notified that account was deleted from XXXX, but not from XXXX and TransUnion. Both XXXX and TransUnion reported the account as verified and accurate.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and notice an account that was not reporting accurately. I have 1 late payment on an account that I in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments, please find an attached copy of my report to this compliant on the following dates XXXX XXXX I am requesting that an investigation be conducted and verifiable proof with records showing that I had late payments provided. If this information can not be verified, I demand these payments be updated to paid on time, immediately. Thank you in advance for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$1300.00} XX/XX/2024 I have reached out to this company because I have not had any dealings with this company. I have a police report on file for the identity theft.
Product: Debt collection

I have a dispute on this company multiple times winning multiple times and being removed from my credit report multiple times and they continue to add it back to my credit report multiple times decreasing my credit worthiness expensively. I am sick and tired of dealing with these fraudulent companies with fraudulent information And their fraudulent tactics in order to recover a debt that is not owed they can take their debt and shove it. They can fix my credit as it was before Their actions. As my credit does not deserve to be taken from me with their false claims For debt that I have reported fraudulent multiple times. This is getting out of hand, and if it continues, I will be forced to hire an attorney to take care of this for me, and then they can pay for my attorney fees, and they can pay for the credit that they have stolen from me and they can pay for all the other XXXX that they want to continue at this point this is my last in my last effort to have this fixed and if it continues, they will hear from my attorney and we will go to court. Im going back-and-forth with these scam companies And theyre ridiculous allegations they are not to be trusted, and I will not accept any thing from their mouth, lips, letters, hand, pin, pencil, email letters, any of it they can XXXXXXXX XXXX XXXXXXXX that they dished out!
Product: Checking or savings account

I hold the durable power of attorney for my aunt who is medically unable to handle her finances and other items. Earlier last year we decided to move all of her banking from XXXX and XXXX XXXX to USAA Federal Savings Bank. This process was extremely difficult because even USAA didn't understand their own process for establishing a power of attorney on a new account. We were forced to deal with the same account lock out situation. After several weeks, the account was set up with the power of attorney and I was able to manage my aunt 's financial obligations. 

Today ( XX/XX/2018 ) when I tried to access her account, I received an error message indicating the account had been locked because contact information was incorrect. This seemed odd as I did not recently provide any contact information. I called the phone number that was provided to unlock the account and was told I would have to call back in several days. They refused to give me any reason for the account lock and hung up on me. 

I understand that sometimes security issues arise but that is no excuse for not notifying the member or their representatives ( as specified in the account details ) that were created when the account was opened that access may be limited during a security review. If USAA doesn't understand their own processes for POA 's on an account, perhaps they should review their policies and procedures and provide remedial training.
Product: Checking or savings account

On XX/XX/2023, I made an online XXXX purchase. The amount authorized and deducted from my account was {$17.00}. 

On XX/XX/2023, the above transaction was updated to {$16.00} and also deducted from my account. 

CASHAPP did not make an adjustment.

CASHAPP never reversed the {$17.00} either or deducted {$.00} to true-up the total amount of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Citizens Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX  Please remove it from my credit report. 

5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXXXXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge... 

XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency