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

I've contacted Equifax in writing on XX/XX/22 and XX/XX/22, pursuant to 15 USC 1681b. I have never given Equifax any written consent to have these items furnished on my consumer report. After seeing that no disputes have been opened after my last written notice. I called XX/XX/22, as a third attempt to have these items removed from my report and was told that they could not be removed until after they have done an investigation for items that shouldn't even be on my consumer report.
Product: Checking or savings account

Bank of America has charged me a {$12.00} monthly maintenance fee several times incorrectly. I have called in the past and have been able to rescind the fee. However, in XXXX of 2023 it happened again. I called XX/XX/2023 ( spoke with XXXX in Florida and XXXX in North Carolina, 2 bank of America employees ) and explained the fee was charged even though I maintained the daily minimum balance required by the bank to have the fee waived. This is evident in my bank statements. There was no follow-up action or call to my request and query. The fee has been charged once again this month ( XX/XX/2023 ) and I again am awaiting a call back from Bank of America to explain once again why the fee is being charged even though it is clear the conditions for a free checking account are being met.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report, I noticed that there were late pays still being reported. I Got a letter from my bank ( XXXX ) Verifying that I was never late and always paid as agreed. but Equifax and XXXX refuse to remove them after I sent them verifying documents certified mail to support my claim. I am not sure on the dates because my Equifax shows an error code which is making me unable to provide you with accurate dates. XXXX is also reporting the same inaccurate information ( Late Pays ) for XXXX. 
UNDER 15 USC 1666B THIS IS A BILLING ERROR ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I deposited {$500.00} only {$470.00} was available for trading. I was charged a {$22.00} for the deposit. This is the first time Binance.US charged has ever charged me for a XXXX deposit. There was no notification of a policy change. As a matter of fact, the {$22.00} appeared as a charged only recently. I am concerned this is retaliation for my prior complaint. On that same day, I bought XXXX of XXXX for a total of XXXX. On XX/XX/2021, I sold XXXX for a total of {$470.00}. I didn't check my account until about 10 days ago when I noticed my balance was {$120.00} instead of {$470.00}. Immediately, I attempted to transfer my XXXX  out of the account. I received an error message : Withdrawals suspended due to risk management. I opened a ticket and Binance.US have yet to respond. I believe Binance.US is retaliating against me for my last complaint. Their unauthorized transactions without communication is alarming. They seem to invent charges to explain the unauthorized transactions. They are engaging in fraud and should be investigated.
Product: Debt collection

Credit Acceptance Corporation at : XXXX XXXX XXXX, XXXX, MI XXXX has reported a negative claim on my credit profile, demanding two separate payments of {$11000.00} and {$5700.00} for an auto loan that I do not owe the company, as I've no prior nor existing account with the company. 

I've steadily worked very hard to on my credit ove the past three years, living in an unbearable one  motel room with my family of four  in order to finally purchase a home at the end of XXXX, 2021 so that my family and I can begin to experience life with dignity again, particularly in the interest of my XXXX XXXX, fantastic XXXX. But Credit Acceptance erroneous claim on my credit profile have now reduced my scores about 90 points each, halting my ability to forge forward as I've planned. I can not let anyone try to defeat my hopes and dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX, account number XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/2021, three days after my direct deposit, charges appeared on my debit card statement from XXXX at the following times and amounts : XXXX for {XXXX, XXXX for {XXXX, and XXXX for {XXXX} totaling {XXXX 
Direct Express refuses to return the monies alleging that the purchases were authorized. The XXXX company supports me stating that I did not make the purchases and that they returned the monies to the bank to correct the error. I contacted the bank with this information, showed the bank " People/Robots '' that these purchases were not made by me on this account and included the information of the return by XXXX for the items. Regardless of the hard evidence that was timely submitted, twice, that shows the cardholder ( Me ) did not make purchases, the Direct Express " People/Robots '' insisted that the purchases were authorized and refuses to return the funds that were returned by XXXX to me. 
Okay, why won't Direct Express return/release my money? 
SINCE THE FUNDS WERE RETURNED BY XXXX TO MY ACCOUNT, WHY DO I NOT HAVE THE MONEY?
Product: Credit reporting or other personal consumer reports

this is my FOURTH request for this address to be deleted!!!! It is inaccurate and NOT my address!! 

This address : XXXX XXXX XXXX XXXX XXXX XXXX TX Is NOT a valid or accurate address for me. I have contacted Experian numerous times about this violation, however they refuse to delete it. it has come back for a fourth time as updated and not deleted.. 

As a consumer, I have the right to accurate and fair reporting under the FCRA, and I request that you promptly investigate this matter and have Experian remove the inaccurate address from my credit report. Please be advised that the inclusion of inaccurate information on my credit report not only violates my rights as a consumer but also has the potential to negatively impact my creditworthiness. The other 2 credit reporting agencies are not reporting this address - by law all three should be reporting the same, accurate information. I have attached my license and a bank statement with my accurate address on it. 

This is a violation for this to be reporting inaccurately on my file!!
Product: Debt collection

I purchased a vehicle with a co signer and got behind and a judgement was ordered. I came to court to fight it but the attorney stated that I did not have to go in front of the judge not knowing the judgment would be granted. On XX/XX/XXXX I received a letter with a balance of my loan with an account number. My co-signers bank account was put on hold because of this I payed them to release the money and started making monthly payments of the amount of XXXX in XXXX I made 2 payments 1 for XXXX and 1 for XXXX and the payments did not post to the account I normally make the payments on. They collection agency seperated me and my co-signer and made 2 different account numbers for the same loan and one XX/XX/XXXX they stated we both have to pay over XXXX for the same car loan. I have tried to reach out to the attorney and he does not call back they are very rude and this is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a child support account on my report that has been there exceeding 7 years. Its closed and paid off but its still on my report. Its a violation of my rights under FCRA law 15 U.S Code 1681s-1,2 A and B.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 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
Product: Credit card or prepaid card

I got an email from capital one saying that I should use my credit card or else they would close it because it was not being used. So, I promptly went ahead and used the card when I went to fill up gas. I had not used the card in a bit as I had lost it while moving and never seen it since. I had also gone into a branch in the interim and they had promised me that they had sent out a card. 

I went to the grocery store today, and my card did not work! On the screen came up something that said DO NOT HONOUR. I was really embarrassed and felt like a criminal. 


Then I called in tonight ( XX/XX/XXXX ) andt he reo said my card d d not work because I had missed a payment which was of course not true. After being questioned over it, the rep admitted hat it probably had nothing to do with that and said the card was closed due to inactivity.
Product: Credit reporting or other personal consumer reports

I am writing to seek urgent assistance in resolving a prolonged issue with Equifax regarding the removal of an Extended Fraud Alert from my credit file. Despite numerous attempts over the past seven months, I have been unsuccessful in getting Equifax to take the necessary steps to remove this alert, which has severely hindered my ability to access credit and financial services.

To provide context, I initially placed an Extended Fraud Alert with Equifax due to concerns about potential identity theft. However, when I subsequently attempted to have this alert removed, I encountered a series of frustrating obstacles. Equifax informed me that they had mistakenly marked me as deceased, requiring me to submit documentation, including my social security card and driver 's license, to rectify the situation.

Despite complying with their requests and submitting the necessary documentation, Equifax has failed to remove the Extended Fraud Alert from my credit file. Each time I follow up with Equifax, I am met with the same response they claim they have not received my information or that the process is still pending. 

This ongoing ordeal has not only caused undue stress and inconvenience but has also adversely affected my financial well-being. I am unable to apply for credit or financial services due to the unresolved Extended Fraud Alert, which continues to remain on my credit file despite my repeated efforts to have it removed. 

Given the gravity of the situation and the urgency of resolving this matter, I am turning to the Consumer Financial Protection Bureau for assistance. I kindly request that you intervene on my behalf to ensure that Equifax promptly removes the Extended Fraud Alert from my credit file, allowing me to regain access to essential financial services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I received a deposit of {$1600.00}. The first XXXX bills I paid were my XXXX ( {$300.00} ) and my XXXX XXXX credit card for ( {$100.00} ). This left me with ( {$1100.00} ) I then proceeded to pay the rest of my bills. 

XXXX days AFTER they took this moneyXXXX XXXXt XXXX let me know they didnt receive my payment? XXXX XXXX  says they got theirs. Why would Chime take the time to send XXXX payment and not the other when I pay my cards together all the time? 
I certainly dont have {$300.00} to pay them AGAIN for money that was never even sent/RETURNED back to my account? I am so upset and terribly confused since Ive paid my credit cards several times with Chime.
Product: Debt collection

The bill was paid in full to XXXX before it was ever sent to collections. However, it was still wrongfully forwarded to Credit Collections. I have never had any communication with this company.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account XXXX XXXX, account number XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

For the past two years, I have been receiving calls for years about a debt that I do not owe. This debt is an online cash advance. After confirming that I do not know about this debt, they perceive to continue to call me and even contacted my husband through text about this debt. I have asked for documents and was told that I had received documents back in XXXX. However, I can not get anyone to give me documents or a contract for this loan. In the month of XX/XX/XXXX, I have been left with messages stating there will be court documents sent to my home and work location and my wages will be garnish. Today XX/XX/XXXX, I called XXXX and ask for them to proceed with their court threats because I do not owe anyone. I also asked for their name and was told " XXXX XXXX. '' In addition, I was told that I owe this company over {$800.00}. This company had the last digits of my social security and the name of the bank. I was given options to settle out of court. I then asked for the original creditor 's name and was told " XXXX XXXX. '' I proceed to look up these names through the web and found extremely negative information such as " scammers. '' After being harassed for years, I need to know what is going on!
Product: Checking or savings account

I wasnt able to use my account so I called on XX/XX/XXXX to ask why. I was advised by a rep and a supervisor that my account was in the process of being closed and they dont have to tell me why its at their discretion. I asked if I was able to withdraw my money since I was never notified, they advised no because its in the process of closing and I can call back next week to get a date when it will be closed and when theyll mail me a check. I asked them why was I not notified ahead of time, they advided a letter was mailed to me. I never received a heads up letter. I just received one today in the mail XX/XX/year>, Which was dated XX/XX/XXXX ( the date I called ). They never sent me a notification ahead of time to let me know. That was all the money I had at the time. Im assuming my account was closed because of an issue I had with my dads account and advised him I was going to get an attorney. I had this account for over 22 years and they just closed it without a heads up and Im a single mom and that was very inconvenient, Especially around holiday time and my sons birthday, which is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have brought this situation to the attention of XXXX XXXX XXXX XXXX on several occasions and it still appears on my credit reports. XXXX, XXXX and EQUIFAX lists the following : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX  XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees. 

I have attached copy of the discharge from Chapter XXXX and official Payment Plan. You will notice the Payment Plan states Other Provisions Not Included Above : b. The secured claim ( s ) of the following are intended to be paid directly, are not provided by the Plan, and shall retain their lien ( s ) : - XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXX XXXX sold the loan to XXXX. 

This claim was paid in full as agreed. There were no late payments and there is not outstanding amount. I have the title to the vehicle.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX