23daVinci/CFPB_Complaints huggingface dataset:
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. 

AccXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

the last 3 months a XXXX account is on my credit file that i don't know about. i need proof of it or removal of the XXXX account. 

incorrect addresses and inquiries
Product: Checking or savings account

we attempted to make a purchase @ XXXX XXXX and it was declined on our BOA debit card. we used another credit card and paid for the purchase. When I checked my BOA account the funds had been debited EVEN THOUGH THE TRANSACTION WAS DECLINED AND WE PAID BY A DIFFERENT MEANS. I called BOA, they said they would return my call in 8-10 minutes, it 's been 2 hours and I have not heard back from them. So BOA has basically STOLEN over {$200.00} from my account. # 1 ) there was over {$1400.00} available funds so the transaction should have not been declined # 2 ) if a transaction is declined why is the money taken out of my account? That 's STEALING. It will take days for me to get this money back and I have bills to pay and need that money. It is a checking account, not a credit card so this is MY money! Even though it says it " processing '' I still do n't have access to these funds.
Product: Credit reporting or other personal consumer reports

I filed a timely claim regarding the 2017 Equifax data breach. I went as far as provide them a copy of my social security card and copies of my leases and they are still claiming to be unable to locate my credit file. These are all lies they are telling to avoid redressing their own incompetence.
Product: Checking or savings account

On XX/XX/XXXX around XXXX I went to an ATM with Chase Bank. I made 1 deposit in total, including a check and cash. The ATM ate my deposit and spit out a receipt with a number on it to call to make sure my deposit went through. I called, and they transferred me to the claim department. I made a claim. At the time, I couldnt remember my exact check amount, I guessed around XXXX for the check, and XXXX in cash that I was positive about. So they made a claim for XXXX. Not long after, my check for XXXX went through. I called them to let them know it went through, but that I was still missing my cash. They said its still under investigation. Time goes by and they put XXXX dollars of temporary credit on my account, on XX/XX/XXXX, while they still investigate. Time goes by, I open a letter on XXXX XXXX that they closed my claim. They took out the full XXXX in temporary credit, without giving me my missing XXXX dollars in cash. I call and they claim they didnt find XXXX dollars in the ATM or any sister ATMs and that they had to deny the claim. I was confused. I deposited my XXXX dollar check along with XXXX in cash. It was two XXXX dollar bills, a XXXX, and three XXXX. I dont understand how XXXX can disappear from the ATM for them to say it wasnt never deposited. I explained to them its not my fault that the ATM ate my cash, and that I shouldnt have to have practically XXXX dollars stolen from me for banking with them. The worker then went on to say if I have any other documentation proving I actually deposited cash along with my check, that they would possibly reopen the claim. What documentation? Its cash. They could even pull up the ATM cameras at the time and see me depositing cash at the exact same time along with my check. The refused to give me my cash back and I have to basically deal with the fact that XXXX was stolen from me from the ATM eating my deposit. I just began banking with them a few months ago and this happens, it is ridiculous.
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debts. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE Due to data breach, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act. 
I recently discovered that my personal information has been compromised and fraudulently used to create accounts. 
Under the law, i am entitled to have these accounts deleted from my credit report and blocked for future use. I will send in my driver license, copy of ftc, and proof of address
Product: Credit card or prepaid card

A Payment was made in the amount of {$75.00} on XX/XX/2022 and a late payment fee was charged on XXXX XXXX XXXX Payment was made on time and they still charged a {$40.00} fee?
Product: Debt collection

sent letter requesting verification of debt a month ago still no reply also the debt was removed by previous collection agency because of lack of verification
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Account - portfolio recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXXXXXX, Has Violated my rights 15 U.S.C 1681 Section 602 States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without a my written instructions 15 U.S.C 1681 ( c ) ( a ) ( 5 ) Section States no consumer reporting agency 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 consumerto any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

I got my daughter a Venmo card to try to teach her responsible finance and money budgeting. I put {$10.00} on her Venmo card. Venmo asked her to verify that she was XXXX XXXX XXXX. Shes not. Shes only XXXX. We didnt know that you had to be XXXX. So Ive called Venmo, emailed them. I asked for my {$10.00} back. They said they need permission from my XXXX XXXX XXXX in order to refund my money. She gave them permission and they still wont give me back my {$10.00}. Its only {$10.00} but cmon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Claims of XXXX dollars fraudulently charged. I have reached out multiple time for the removal of this account. Ive sent supporting documents with all landing upon death ears. This account has been disputed for its incorrect information and damage it has done to my credit score/report. The debt has been sold. And no one can prove this information to be correct. I demand this informantion be removed with in 30 days or we will persue damages for defamation of character. Under the fair credit reporting act companies or to report factual and accurate information and thats not the case here
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from Barclays advising me of fraudulent charges on my XXXX. Someone stole my card number from a free-standing ATM machine outside XXXX XXXX XXXX XXXX XXXX when I visited in XX/XX/XXXX. They used my card information to take out a cash advance in XXXX on XX/XX/XXXX. I live in  XXXX, AZ. I called Barclays immediately. They closed out my account and gave me a new card. I was told it would take 2 to 3 billing cycles to be reimbursed for the {$500.00}. After several calls and many promises, the charges are still on my bill. Barclays is also charging me {$26.00} a month in interest on a bogus charge. During my last call on XX/XX/XXXX I was again promised the charges would be deducted within 48 hours. Today is XX/XX/XXXX and charges are still on my card. 

I want my money back NOW! I was told that my money will not be refunded until investigation is complete. When I called on XX/XX/XXXX and spoke to the supervisior XXXX, he informed me someone at Barclays dropped the ball and never started the investigation. 

I would like to file a lawsuit against Barclays but do n't know how to go about it. I 've also considered going to a local tv station in hopes that negative airtime would encourage Barclays to fulfill their promise. I am angry and frustrated. I feel totally helpless and taken advantage of. Where do I go from here?????????
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. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX 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

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX # XXXX {$420.00} -XXXX XXXX # XXXX {$1000.00} -XXXX XXXX XXXX # XXXX {$2600.00} and filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting or other personal consumer reports

I have submitted disputes with Equifax about accounts that do not belong to me and yet they have failed to provide evidence or information that the accounts belong to me. Below are the accounts that I have disputed and they have failed to correct and remove from the reports to including a XXXX XXXX that does not belong to me. 

XXXX XXXX XXXX XXXX # XXXX This account is more than XXXX XXXX XXXX, Prior to this, this account was dismissed in a class action lawsuit to the creditor for predatory lending. 
XXXX XXXX XXXX acct. # XXXX This was not paid late ever. 
XXXX XXXX XXXX. acct. # XXXX This account was paid in full and being reported as a charge off. However, this account was not mine and it was a result of identity theft. 
XXXXXXXX XXXXXXXX acct. # XXXX This was a result of identity theft and it was not investigated and still being reported as a charge off and reporting monthly. 
XXXX XXXX acct. # XXXX This account is being reported as a charge off with a balance which is not correct. The balance is {$0.00} and they have not provided verification and being reported inaccurately. 
XXXX XXXX XXXX XXXX acct. # XXXX I have requested this to be investigated and no proof has been provided to me. 
XXXX XXXX XXXX. Acct. # XXXX This account has been disputed and yet no proof has been provided to me. 
XXXX XXXX acct. # XXXX Being reported as charge off with balance should be {$0.00} XXXX and have not provided validation. 
XXXX XXXX acct. # XXXX This account is being paid monthly at a rate of XXXX XXXX monthly and is not late. 
Receivables XXXX XXXX acct. # XXXX This account is a medical collection which does not belong to me. Time and again I have disputed this with XXXX and they have failed to investigate and provide proof that this belongs to me. Further more I have never received treatment at the said facility. 
XXXX XXXX acct. # XXXX I have disputed this with them multiple times and again they have failed to investigate and provide proof. 
XXXX XXXX XXXX. acct. # XXXX and acct. # XXXX I Have disputed these items and investigation has not yielded any proof of validation. 
XXXX XXXX. acct. # XXXX and acct. # XXXX I have disputed these accounts and they have not produces validation of results or how they determined this to be accurate. 
XXXX XXXX act. # XXXX and XXXX Both of these accounts I have no knowledge of. 

I look forward to your intervention with this reporting agency and appreciate your help in getting involved.
Product: Checking or savings account

In XX/XX/year>, I opened an Apple Savings Account through Goldman Sachs, drawn to the advertised 4.15 % APY and the convenience of linking it with my Apple Card. On XX/XX/year>, I deposited {$2700.00} from XXXXXXXX XXXX, followed by {$250.00} from XXXX XXXX on XX/XX/XXXX, and {$1200.00} from XXXXXXXX XXXX on XX/XX/XXXX. By the end of XXXX, my balance exceeded {$5100.00}. Confident in Goldman Sachs ' promises of seamless account management and access to funds within five days, I made a withdrawal request of {$610.00} on XX/XX/scrub>XXXX XXXX However, this request was denied without explanation, despite the account holding more than sufficient funds. I tried again later that day, but the withdrawal was again blocked without reason. 

Over the next several days, I made multiple additional attempts to access my savings, including a nominal withdrawal request of just {$1.00} on XX/XX/XXXX, but all these transactions were denied. This inability to access my funds forced me to spend over three hours with Goldman Sachs XXXX customer service, being transferred through more than a dozen representatives. None of them could explain the restrictions on my account or provide a meaningful solution. 

As a result of these restrictions, I suffered significant financial harm. I was unable to make timely payments on my Apple Card, which led to accrued interest charges and a decline in my credit score. Additionally, I incurred a late rent fee because the funds I had planned to use was inaccessible. These outcomes align with findings from the CFPB 's recent enforcement action against Apple and Goldman Sachs. Specifically, the CFPB found that Apple failed to send customer disputes to Goldman Sachs and that Goldman Sachs failed to properly investigate or resolve these disputes. This breakdown in customer service mirrors my own experience, where repeated withdrawal requests and inquiries were met with apathy and a lack of resolution. 

My situation also raises concerns under the Consumer Financial Protection Act, the Truth in Lending Act, and additional federal regulations such as the Truth in Savings Act ( Regulation DD ) and the Electronic Fund Transfer Act ( Regulation E ). Goldman Sachs ' failure to act in good faith and provide access to my funds further constitutes a breach of the Uniform Commercial Code ( UCC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is publishing obsolete account information regarding XXXX XXXX XXXX XXXX accounts ending : XXXX ) XXXX XXXX ) XXXX XXXX ) XXXX These accounts are old, FCRA prevents obsolete information from being published or reported if older than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

After several phone calls with XXXX, I got the appropriate amount of debt stated ( {$450.00} ) and was informed that I could make payments until it was paid of. I began making {$50.00} a month payments, after the third month I received a phone call from the debt collector about making the remainder {$300.00} in order to prevent further debt collection action. After calling XXXX, they informed me that I had only three months to pay off the full {$450.00}. I was not aware of this and in none of the multiple phone calls did anyone state that this was the case. Otherwise I would have paid the entire amount prior to the three month mark to avoid a mark on my credit. I have paid off the full amount now ( less that three months after it went into collects ) but now there remains a mark on my credit for a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

In XXXX of XXXX. I spoke with a representative at Upgrade Credit Card regarding my account and what could be done to push back my payment due to being impacted by the hurricane. 

The representative stated they offer a XXXX XXXX, which would defer my payments for XXXX months. Explained that my next payment would be due in XXXX and she assured me that my credit would not be impacted in a negative way. 

When XXXX came, I was dinged on my credit for XXXX late. I called them immediately demanding answers to what was going on. I was assured the issues would be fixed and I wouldnt have to worry about anything else being reported and the 30 day late would be removed. 
It was removed and they sent a letter. 

XXXX came and I made my payment on time. However, once again they reported me as being late on this time XXXX. 

Now Im feeling incredibly frustrated and insulted as they lied to me again, stressed out about my credit taking another major hit ( down XXXX ) not including the XXXX from the first time. 

I call the again this time asking for a XXXX. 
He promised and assured me that he would be the one to fix this issue and even apologized for the mistake made by the previous representatives, He also stated he would place stop and have my account reset to reflect current and never late. 

Yet, here it is XX/XX/XXXX my credit has taken a major hit. I cant get approval for anything because of this along with being denied for a few new place. 

This is beyond stressful and unacceptable. I dont know what else to do at this point, As I no longer trust the words of anyone at Upgrade. 


I should be focused on dealing with my family and loss of personal property from the hurricane yet I cant as I am stressed over my credit and the damage caused by a company I thought I could trust in a time of need.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I have inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of a crime, which included having my New York State ID, Social Security Card, and credit card stolen, and this occurred in 2019. I am requesting that all soft and hard credits be removed for the calendar year 2019. I am including XXXX XXXX XXXX  XXXX Police Department report, which verifies my situation.
Product: Mortgage

Mortgage loan specialist asked for 2 years of tax returns which I provided to them on behalf of my husband. Next she had my husband sign a XXXX form which requests transcripts of those tax returns from the IRS. I realize the mortgage process does this to ensure that the documents I submit have not been altered. However, when I read through the XXXX document it was prefilled to request 4 years of transcripts from the IRS. Not only did it request XX/XX/XXXX and XX/XX/XXXX which the bank VERBALLY said my husband would need to provide to them in order to approve the loan, but it also requested XX/XX/XXXX and XX/XX/XXXX transcripts. I asked the Mortgage processor if they needed 4 years of tax returns and she assured me that they did not. I then requested that they would have to change the prefilled form to reflect only 2 years of transcripts before I would sign and she refused. She said there was no way to change the form. I told her that someone in the Wells Fargo online e-forms department had access to that form and it shouldnt be hard to change it, but again, she refused. I told her that was dishonest on the part of Wells Fargo to verbally request 2 years of tax returns and then in printed form give themselves permission to 4. If they verbally say they do not need 4 years of my tax returns then I feel it is criminal behavior for them to provide a form that is PREFILLED that requires a signature in order to proceed, that gives them access to 4 years of financial records. This is a total breech of privacy and I feel Wells Fargo should not be able to continue this criminal behavior.