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

I am writing this due to non-compliance with the CRA XXXX. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Company Name : MID MICH CB XXXX XXXX XXXX XXXX MI XXXX Dates : XX/XX/2019, XX/XX/2019, and XX/XX/2019. I sent dispute letters out and the letters were unclaimed and returned to me. 

The address that is listed on my credit report is the same address I used in my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX  XXXX XXXX account as on time in XX/XX/2019, then in XX/XX/2019 they are reporting 90 day late. How is it possible to go from paying on time one month and then the next month being 90 days late. Experian has been reporting inaccurate information for the last 12 months.
Product: Money transfer, virtual currency, or money service

Hello, My paypal business account has been permanently blocked without notice or justification. While my company is working seriously and I have provided the necessary evidence, including my bank statement ( attached ). I had a conversation just before the blocking with the customer service who told me that my request should be received favorably by XXXX. I hope to have a positive return concerning my request that I find legitimate considering the fact that my activity does not carry any risk. We deliver our customers as agreed in our XXXX and respect the conditions of use of the paypal platform. 
kind regards. 
Business information : XXXX XXXX PayPal Merchant ID : XXXX Name : XXXX XXXX phone number : XXXX XXXX mail : XXXX XXXX
Product: Credit reporting

I am attaching a letter that I sent to Equifax on XXXX XXXX. Over 3 months have passed, and I have not gotten a response from them. They are supposed to respond within 30 days.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX XXXX XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Vehicle loan or lease

XXXX XXXX deposited a check to my capital one bank account ( {$510.00} ) that I received from capital for making an overpayment on my vehicle ( XXXX  XXXX ) that i traded in. XXXX XXXX that check was reversed and money was removed from the account. Upon contacting capital one they refuse to look into this transaction and they just hang up on my. This has been 6+ calls to capital one and capital one auto financing.
Product: Debt collection

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company have XXXX  unknowns accounts showing on my report and they are the following : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not updating information correctly. I've paid this collection in full on XX/XX/2019 the amount is {$1600.00}. I include receipt and proof that this company has been going back in forth reported incorrect information on my credit report. Equifax is not investigating this at all and needs to be liable in a investigation with my proof of information and also they have deleted this and updated things on my credit profile and not removing these negative or incorrect items on my credit report
Product: Bank account or service

I have an account with Citizens Bank. I received a service fee charge on XXXX/XXXX/16. I submitted an email to Citizens to see why I was charged a fee of XXXX and to find out why I was never notified by email or mail why I was charged this fee.I never received a response back as to what the fee was except that if I wish to close out the account I must submit a request. Today I received a notice in the mail stating I still have not satisfied the fee charge which caused my account to go negative. I decided let me check my account to see if I received a response, to no surprise no email and another service charge for XXXX. My account is now negative XXXX due to service fees that I have not been legally notified about nor have any knowledge what they are for. Below I pasted what shows on my account. 
XXXX/XXXX/16 Service Charge - {$9.00} - {$13.00} XXXX/XXXX/16 Service Charge - {$9.00} - {$3.00}
Product: Credit reporting or other personal consumer reports

Hello, I XXXX XXXX am writing this letter because I am the victim of identity theft with respect to the specific debt related to LoanMart XXXX XXXX XXXX XXXX, XXXX XXXX On upon checking my credit report because I am looking to get an apartment. I realize that I had an account from your company that I never opened or came down or online to sign any paperwork for that account that was opened XX/XX/XXXX. After contacting your company on XX/XX/XXXX I was informed that payments were being made to the account through my mother who stole my identity, who is XXXX XXXX she is now deceased still payments were being made up until the time she passed away from her and its been a year since shes passed she passed away XX/XX/XXXX, which is why the account is now in a negative balance because like I said, I never knew anything about the account to make payments to the account. And I have filed my FTC identity theft report account XXXX attached is a copy of that. and a copy of my identification, when my ID got stolen I to change the address to my mothers address who is XXXX XXXX because at my apartment complex our mailboxes were getting broken into so I had to use her address. And attached is a copy of a bill showing my current address. This has been putting a big financial impact on my credit for the last year on top of having my mother passing away from XXXX. This is not the only thing that she has put on my credit that Im trying to get removed as well. I really hope you guys consider taking this off of my credit because like I said is really hindering me and I had no knowledge of this account at all. Thank you And the company 800 loan mart is not complying with taking it off of my credit because like I told them, this is fraud, and I did not open this account. And they block the account and then they open the back up on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number:XXXX Reason : I don't recognize this account
Product: Money transfer, virtual currency, or money service

I did a transaction through Square Merchant services. Square will not release my funds. They will not give me a reason why they are holding on to {$1100.00}. I've done business with them for ten years. All of a sudden, they just hold this money for no reason. 
I called three times, each time they told me they would escalate it to their review team. ( Which is supposed to only take 24 hours and it's been 6 days ). 
After my third attempt on the phone, I tried to call again, but they blocked me from receiving a support code that allows you to speak with a live representative. 
I have emailed them since XX/XX/2020 and still, I have not received a response. 
What's odd is they took out {$220.00} from my bank account, when the transactions came through. So they were able to make money for themselves but unable to pay me my money. Interesting. They blatantly are robbing me. I am a single mother with XXXX children. Please help me.
Product: Credit reporting or other personal consumer reports

Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. I have never been late on the dates listed below please verify these late payments to current! By the provision of the fair credit reporting act I demand these items be investigated and removed from my consumer report it is my understanding that you will reverify these accounts with the creditor that posted them. The account below still shows inaccurate late payments I have circle the many inaccuracies between the consumer reporting agencies! 

ACCOUNTS : Creditor : ACHIEVE PERSONAL LOANS Account Number # XXXX. In Accordance with the Fair Credit Reporting act Convergent Account # XXXX has violated my XXXXXXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXXXXXX Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXXXXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to XXXX XXXX XXXX ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX ( b ) Accuracy of report : -Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I NEED THE TRACKING NUMBER & COPY OF THE NOTICE REQUIRED UNDER SECTION XXXX THAT WAS SENT TO ME IF YOU CAN NOT FURNISH THIS INFORMATION THIS LATE PAYMENT IS INACCURATE AND VIOLATES MY RIGHTS UNDER THE FCRA. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.
Product: Checking or savings account

I have a Savings account with Ally Bank with a balance of {$48000.00}. On XX/XX/year>, I initiated a transfer from an external bank account into my Ally Bank account in the amount of {$5000.00} ( something that I've done many times before over 5 years of being a customer at Ally Bank ). Ally Bank stopped the {$5000.00} transfer from my external account with no explanation, which should result in an available balance of {$48000.00} ( the same as before the {$5000.00} transfer was initiated ). 

On XX/XX/year>, Ally Bank removed an additional {$5000.00} from my available account balance. When attempting to close my account and transfer my funds to an external account, Ally Bank representatives took over XXXX hours to confirm my rightful account balance of {$48000.00}. After finally speaking to a supervisor ( attached transcripts ) they confirmed that my balance of {$48000.00} plus interest could be transferred to my external XXXX account and that my Ally accounts could be closed. Then, immediately after making these statements, the representative stated that only {$43000.00} would be transferred to my external XXXX account upon closure, and that the {$5000.00} was being held ( transcript attached ). 

Ally Bank is cancelling my transfers and withholding my money with no reasoning or explanation, not allowing me to close my account and transfer my money out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. US DEPT ED XXXX {$4800.00} US DEPT ED XXXX {$5300.00} US DEPT ED XXXX {$5000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$1300.00} US DEPT ED XXXX {$880.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$2000.00} DEPTEDXXXX   XXXX {$2700.00} XXXX XXXX {$3000.00} XXXX XXXX {$8200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00} XXXX   XXXX {$1000.00} US DEPT ED XXXX {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies reporting inquiries on credit file that I have no knowledge of requests that companies provide me with information proving i applied for anything with these companies I'm a victim of Identity theft and I have fraud alert on all 3 credit reporting agencies and no one should be able to pull my credit without authorization from me and I have not at anytime give these com permission to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are both reporting a missed loan payment from XXXX forXX/XX/XXXX. I graduated XXXX onXX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.
Product: Credit card

In XXXXXXXX XXXX XXXX  I made a payment to BOA, where I had 2 credit cards. I made the payment to the wrong card, but it had a XXXX. The bank put the payment to the correct card and sent me a letter telling me they had done this and I wouldn't be charged late fees etc. On my credit report I have a late payment showing, which has made my other cards raise my apr 's. I called the company and was told it would take time to come off my report. it didn't. I called again and was told that the late payment couldn't be taken off. I sent a dispute through XXXX several times and it is still on my report. My statements for XXXX, XXXX, and XXXX from BOA show no fees charged so why can't we get this removed from my report.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work with Equifax for over two weeks to no avail. This all began when my credit report was frozen. When I went online on XX/XX/XXXX to unfreeze it automatically. I was directed to call their phone number. The automated system was unable to unfreeze my credit and the Equifax employee was unable to verify my information. I was then directed to fax them a request to unfreeze my credit and was told to include 2 government IDs ( I included my DL and Passport ). I stated my current address, who I am, my social, listed the security freeze department as the recipient and everything else they requested. The fax was sent on XX/XX/XXXX. On XX/XX/XXXX I called to ensure that my fax was processed. I was told that they could not verify if it has been or not. So I sent the same fax a second time the same day. On Monday I called again and was told the same thing. I also called the security freeze department and they were unable to verify my identity, I was told to call my credit card provider to ensure that Equifax is being sent my information. Today XX/XX/XXXX I called XXXX XX/XX/XXXX who confirmed that for the past four years they have been sending Equifax my credit information and payment history and it has last been sent on XX/XX/XXXX. Today XX/XX/XXXX I called XXXX ( the security freeze department ) and I was directed to call XXXX. For 35 minutes I worked with the agent to get my credit unfrozen. I was surprised to find the Equifax does not have a file on me. And because of that, they can not begin an investigation into why they can not find the faxes I have sent them. I have verified with four different employees that the fax number I faxed to is correct. I am now being directed to send tracked mail to Equifax but I do not believe that this will resolve my problem. I am reading out to the CFPB because Equifax has treated me poorly and has not made any effort to get me my credit report or unfreeze my credit. The other two credit bureau 's are able to provide credit reports and freeze and unfreeze my credit.
Product: Credit reporting or other personal consumer reports

I have report this matter over and over again and I do not understand why both of these Company is just destroying my credit profile I fine this very stressful I have file XXXX XXXX in United State Bankruptcy Court In XXXX Virginia back in 2019 and it is a fresh Start for me XXXX XXXX is filed and they and they reporting 13 collection with a one defaulted Loan XXXX XXXX and Globel Lending Services Defaulted Loan reported to XXXX XXXX which they using false statement to destroy in anyway they can I have been dealing with the lies and it cost me to not to go on with my life I XXXX XXXX  report to XXXX balance paid off with 15 negative remarks and Globel Lending Balance Paid off so which is it I am asking for both company to be removed from all my credit Reports reporting this has to stop this behavior how can Consumer Financial Protection Bureau is not protecting me How do I file XXXX  XXXX and still be destroyed do you all know my base score is under XXXX and I have paid all my bills on time since I file in 2019 is this because I am a XXXX women doing right because I have report this a lot of time and nothing changes
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi credit card company is reporting that my account is closed. This information is false because my credit card account is still open, but they are reporting to the credit bureaus that the account is closed. It is negatively reflecting on my credit. This is the second complaint about this company I am reporting. Both times they have falsely reported information about my account to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been trying to reach experian regarding misinformation they have on my account. I had a loan XXXX XXXX which I have paid in Full. For some reason Experian is telling XXXX and other credit cards I have not paid that and is still showing my bankruptcy from XXXX. I have tried to call experian multiple times on this matter. I have tried getting this done over the past few months. I was on the phone with them and XXXX back and fourth today for over 2 hours. Today 's date is XX/XX/XXXX. 

I just wan na fix these inaccurate information on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has listed me as an authorize signer on a credit card which I never signed authorization for or gave permission to report on my credit report. I have made investiagations with Experian to have removed from my credit as the balance keeps increasing and causing my credit score to decrease. I want XXXX XXXX deleted off of my credit report and Experian has stated they are not able to. However I report this investiagation to the other credit bureau agencies and they have deleted Experian is the only company. I have sent an investigation almost every month since XX/XX/2017 and they still have yet to remove from my credit.
Product: Money transfers

Westernunion was contracted to perform payment service and did not deliver, provided false information for return on funds, was directed to return funds to source and refused. 

Western union was contracted to make overseas payment and did not deliver money. 
They continue pushed for additional personal information and were refused and told to return all monies to the source bank account. 
Instead, they indicated I would have to travel to retail store to collect. 
Attempted collection at XXXX stores using provided transaction #, XXXX times was rebuffed as payment not available. 
Complained again to western union who has ignored communications and has kept my money.
Product: Credit card or prepaid card

We use a Capitol One card to purchase a trip to XXXX with XXXX. Due to COVID-19 the trip was unable to happen. The flights were canceled by the airlines that were booked. Just Fly says the money was refunded, but it never was. We reached out to Capitol One and disputed the charges. We were issued a refund. A couple of weeks later Capitol One then allowed XXXX to reissue the charges, which also prove that XXXX never issued the refunds that they said they issued.