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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 or other personal consumer reports

Under the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. 


I looked at my Transunion credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2, they are supposed not to 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 went into their business thinking I was going to get a car same day and only have my credit run once. I even asked the sales person XXXX if they were going to run my credit once and he said yes they have an in house finance person and my credit will only be ran once. They ended up running my credit twice and then tried to send me to a credit union to have it ran once again! I tried to dispute them but the lady from Experian told me to ask the company for a letter stating that we are not going through with the vehicle purchase and to pull the report/inquiry that they did but they are not cooperating and refusing to send it to me so I can have it disputed. All in all I just feel scammed, they did not communicate well with me at all and pulled all the strings behind the scenes and tried to get me to pay wayyy more and have my credit run multiple times when they guaranteed me otherwise
Product: Bank account or service

My husband XXXX XXXX lost his wallet and there were some unauthorized charges on our debit cards from Citi bank. On XX/XX/2016 we disputed all unauthorized charges from our Citi bank debit cards. There were unauthorized withdrawals from my personal debit card and my husband 's business debit card. Our disputes were dismissed twice. Then my husband filed an appeal and a complaint to CFPB. On XX/XX/2016 he received a letter from Citibank that the charges were unauthorized and the final credit was issued to him. XXXX XXXX. 
On XX/XX/2016 I filed an appeal regarding my claim. Today I found out that they dismissed my dispute. I called the bank immediately and requested an explanation why my husband 's claim was approved and my claim dismissed. They could not provide with any explanation. To clarify - my card was in my husband 's wallet when it was lost. I was with my husband in XXXX XXXX. We faxed all supporting documents requested by Citi bank several times and filed a police report. They provided me with XXXX different dispute numbers for the same dispute, and they were calling my husband cell regarding my dispute instead of calling me. Why were they calling him for my personal account dispute? There is a miscommunication within the departments of the bank and a poor customer service. After I submitted the appeal nobody contacted me and tried to solve my issue. 
I am appealing this decision of XXXX as it is not fair and it is against The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) otherwise I have to file a formal complaint to Consumer Financial Protection Bureau and make my issue public. I have never authorized these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

All these companies these on my credit report I know nothing about especially credit acceptance thats why I have a low score I dont even work anywhere i am waiting on my disability I never received my rebate check when I filed it .I got a letter to come in to make sure it was me but never got to because mom lost her car during the pandemic when she lost her job at home due to discrimination
Product: Credit reporting or other personal consumer reports

I am writing to demand that you cease and desist all reporting and collection activities regarding the account originally with XXXX XXXX  ( Account Number : XXXX ). This demand is based on the following violations of state and federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) :
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF XXXX XXXX Balance : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

Subject : XXXX XXXX XXXX for Account XXXX and Withholding of Funds To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX regarding the closure of my business account and the withholding of funds. 

Background I set up a business account with XXXX and processed a payment from a customer in XX/XX/year>. Subsequently, I initiated steps to withdraw the funds from my XXXX account. 

XXXX XXXX XXXX XX/XX/year>, I received an email from XXXX stating that they were unable to verify my account and would therefore close it. Believing this decision was made in error, I called XXXX on the following Monday and was informed by a customer service representative that my request would be escalated and I should expect a response within XXXX to XXXX business days. 
By Friday, XX/XX/year>, having received no response, I revisited XXXX website to attempt to withdraw the funds from our customer sale, only to find that I was unable to do so. I called customer support again and was informed that my account had been suspended. The representative claimed that an email had been sent to me on XX/XX/year>, stating that my account could not be verified and would be closed. 

Issues with Notification and Funds Disbursement XXXX. Lack of Notification : I did not receive the email allegedly sent on XX/XX/year>. Despite thoroughly checking my inbox, spam folder, email filters, and deleted emails, there is no record of such an email. XXXX insists it was sent, but I have received other emails from XXXX without issue, suggesting their emails are not blocked or filtered out on my end. 
XXXX. XXXX XXXX Attempts : XXXX made no other attempts to contact me regarding the verification issue. They did not send a letter to my physical address, nor did they attempt to call me, despite having both my address and phone number on file. 
XXXX. Unreasonable Delay in Funds Disbursement : Squares customer support stated that my funds would be automatically disbursed after 90 days. This delay is excessively long and unreasonable, especially considering my bank account details were already verified within my XXXX account. 

Complaint I believe Squares actions to close my account and withhold funds without sufficient notification or alternative contact methods are unfair and detrimental to my business operations. The XXXX delay for disbursing my funds is also unjustifiably long. 

XXXX XXXX XXXX Immediate release of the funds currently held in my XXXX account. 
XXXX. A review and improvement of XXXX notification procedures to ensure multiple contact methods are used before taking such drastic actions as account closure. 
XXXX. The opportunity to verify my account since I never received notification of this requirement. 
XXXX. A formal acknowledgment from XXXX regarding the error in their notification process and a commitment to prevent such occurrences in the future. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

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

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting XXXX XXXX  correct. Under 15 U.S. Code 1681e ( b ) ( 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 know that Under 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under XXXX XXXX XXXX XXXX XXXX  :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Debt collection

I am requesting that you provide verification of this debt. 
Send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
I need more details about what you claim I owe so that I can make an informed decision.
Product: Checking or savings account

It appears that the corporate greed Wells Fargo simply has no boundaries. I have not been able to get caught up in my checkings account due to the horrible amount of overdraft and refund fees I keep getting. I am trying to save money since I am about to become a dad. I just don't know what to do. I called the bank multiple times and they refuse to provide any help! I have 8 overdraft fees in the total of {$280.00} in the last 2 months. But throughout my account history probably more than {$600.00}. I need the money more than ever. The banker I spoke with was very condescending about my financial situation. I think they don't see us as human beings anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving an derogatory alert on my consumer report, unfortunately, I discovered 30 day late on this account. Not only was I never late on this account, but I never received any notice that you were going to insert negative data on my credit report, as you are required by the FCRA Negative Information ( A ) Notice to Consumer Required & ( B ) Time of Notice
Product: Payday loan, title loan, or personal loan

I bought an XXXX in XXXX from XXXX order and got the standard XXXX XXXX loan from citizens one bank. I had to return my XXXX. And I can not get the loan company to stop taking money out of my account. Payment Amounts are for {$41.00}. I have paid for XXXX and XXXX, both on the XXXX, with no refund and another is scheduled XX/XX/XXXX. I have tried to contact them and XXXX and I get the run around from both of them telling me to contact the other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments discussed with company that were supposed to be removed
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 XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account 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: Payday loan, title loan, or personal loan

I believe the company LoanMe is out of compliance with AB-539, the Fair Access to Credit Act. The interest rate I am being charged is 135 %, far above the state cap of 35 %. I have sent an inquiry to LoanMe, but they have not answered me.
Product: Debt collection

I ordered a internet connection to a company but then i suddenly changed my mind about it so i called and told them that i dont want it anymore. They said on the phone okay just mail is back the router and you dont have to pay anything because you 're in the 30 day money back guarantee policy. I mailed them back the router the next day then after two months i got an email that they say i owe them XXXX XXXX So i contacted costumer services talked it about them and they said just wait for the revised bill. I waited no email came for 8 months. I thought it was settled but then i got a mail from central credit that i owe something from them. So i called central credit, i disputed the claim but then its been months and they still didnt pulled back the claim that i owe that company and kept saying there waiting for there response because i gave them email proof that i talked to a costumer service and the representative stated there that i dont have to pay anything because im in the 30 days money back guarantee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX insists on reporting information they know is false despite multiple requests. Trans Union and XXXX report this knowingly false information despite multiple requests. Now Im ready to take legal action against all parties involved as the refusal to correct this literally asinine error has caused and continues to cause me significant harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on one affirm loan is XXXX paid off the balance on the other affirm loan is XXXX For two months I have asked this company to update my credit report to show accurate information and they have refused. Also I filed a dispute with the credit bereau Experian and they lied to Experian about the balance. 

I want the report to show accurate information as to fcra laws.
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. Experian must validate this account 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients.

Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. The account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX