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

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

AGAIN my wife and my transfers from US Bank to XXXX XXXX  is taking too long. When the requested date of maturity to distribute the CD is 22 days late on XX/XX/XXXX. 

I initially bought my CD 's from State Farm Bank. The government transferred my CD 's to US Bank. US Bank is not equipped to handle these funds. This is my XXXX complaint. It takes XXXX hour to get to talk to someone at US Bank to try to find out where MY MONEY is. This bank that the government transferred my money to is understaffed and incompetent. They charge me a yearly fee for my wife and my accounts and a transfer fee for each of my CD 's. I did not sign for any of the charges when I was with State Farm. The last XXXX complaints resulted in getting an apology letter from US Bank. This dragging of their feet with slow transfer is costing me money. They are floating my money. I dont want another apology letter, I want results. I have about XXXX more CD 's with this company and I am going to transfer as soon as they mature. I am looking into other agencys to complain to to get help. An appology letter from this company does no good.
Product: Student loan

I have submitted a complain in the past that was not resolved XXXX. In the past 8 months Mohela has not applied a payment made on my behalf by XXXX. They are committing theft/fraud. I have sent them the electronic payment information that I received from XXXX and they still have not adjusted my balance. My account is currently incurring interest and they are doing this on purpose. Taking advantage of customers for their profit.
Product: Credit reporting or other personal consumer reports

I am writing to express severe concern in connection with the current practices at Equifax which infringe on my consumer rights. following a block that was placed on myequifax.com for need of verification of my identity, I sent needed documentation including my government id social security card police report along with disputes of incorrect/fraudulent information on my consumer report. XXXX received no response, I have non access to my Equifax report due to a block that is not equitable to me. especially considering I am a fraud victim with a 7 year fraud alert. I am requesting my account be unblocked, as well as an immediate investigation and correction/block/deletion as mandated by the Fair Credit Reporting Act ( FCRA ). These inaccuracies include incorrect personal information and accounts that do not belong to me. 

Incorrect Personal Information : Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXStatus : UnpaidBalance : {$1000.00} Legal Precedents and Arguments : The cases of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Mortgage XXXX, and others underscore the critical importance of accurate credit reporting and the legal obligations of credit reporting agencies under the FCRA. 
These accounts do not belong to me, and I have not authorized any transactions or agreements with these entities. Enclosed are copies of documents that substantiate my claim. I request that these inaccuracies be investigated and corrected as soon as possible. 
Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXXXXXX on my credit report was scheduled for removal after seven years, in line with the FCRA regulations. Furthermore, there is an alleged balance of {$1300.00} but this debt is uncollectible due to the statute of limitations. The statute of limitations in the state of Texas is 4 years! To my concern, XXXX has diligently followed this timeline and removed the aforementioned account from my credit report. However, XXXX and Equifax have failed to align with this standard and has not taken the necessary steps to remove the account, indicating a clear violation of the FCRA. XXXX XXXX has already been notified that the account should be removed, and that the debt is uncollectible. I sent dispute letters to both Equifax and XXXX over 10 months ago. I urge XXXX and Equifax to rectify this discrepancy promptly by initiating the removal of the specified account from my credit report, aligning with the FCRA guidelines. You are also reporting incorrect data such as the date last active and payment history. Your immediate attention to this matter is crucial in ensuring compliance with federal regulations and preventing any further complications. I trust that you will take swift action to resolve this issue and provide confirmation of the removal within 7 days being that this is long overdue. Please see the attached credit report and the dispute letters which are dated, and time stamped.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately.
Product: Debt collection

Monarch Recovery sent me a letter stating I owed over {$320.00} for a debt through XXXX XXXX XXXX, a credit line through XXXX that I 've never used or authorized to use. The letter gives no information other than this, so it 's completely unhelpful and vague. I have never received any notice from XXXX XXXX XXXX stating I owe money. Once again, I 've never used it or heard of it until I received this letter. I 've never made late payments on anything in my life and have worked hard to maintain an excellent credit score. My credit score is now ruined because of XXXX XXXX and XXXX XXXX XXXX because of their false claims. I had never heard of either one of these entities until I received the debt collection letter, but by then it was too late. Apparently my credit reports were notified of this whole thing before I was. It 's amazing how hard you can work for so long for something and how easily it can be taken away without reason. It really upsets me.
Product: Bank account or service

2 weeks ago Rushcard informed its customers that they will be having a maintenance update on XXXX XXXX from XXXX to XXXX, OK they informed us to withdraw any money from our accounts that we would need in that time frame by XXXX ( XXXX ) because during that time we would not be able to withdraw, transfer or deposit and funds to the accounts. OK here 's the problem it 's exactly XXXX on XXXX XXXX and Rushcard is still so called updating, I had {$410.00} in my account before this but now it has magically disappeared, I 've emailed them, called them and pm message them several times since yesterday XXXX XXXX around XXXX, when I try to log in using Rushcard mobile app its states either they could n't recognize my card or its locked and now they 've blocked my card it states to call customer service to have your card unlocked or unblocked but when I call I either wait on phone for over XXXX hours, or get hung up on.this is causing me a lot of anxiety and stress I have XXXX and its making things worse for me. If you get on Rushcard fb page its a lot of people going through the exact samething as myself, money missing, ca n't log on mobile site or online site, getting hung up on and we 're not getting any answers so something needs to be done, because they 've taken my money and want unblock my card so someone please help not only me but to everyone else that 's going through this ridiculous situation with Rushcard
Product: Mortgage

Dear XXXX ; Complete failure again by your company leaves me both powerless and victimized. 
This note is to inform you that yet again Green Tree fails to keep good accounting records and provides zero customer service. 
I have no faith in your ability to carry out basic business practices and repeat my request to please sell my mortgage to another company that may value me more as a customer. 
For anyone unaware of what has happened and continue to happen. You need only to look at statements dated XXXX/XXXX/2015 & XXXX/XXXX/2015 where the principal balance remains exactly the same. Please note the amount due in both statements are vastly different. This is a clear action by the company to withhold my payment to gain more interest. How is the evident? The company gets automatic payments twice a month from my bank account and has for many years. It should be impossible for there to be a late payment or for the principal balance to remain the same from XXXX statement to the next. I 'm making XXXX payments within a billing cycle and Green Tree withholds the payment for financial gain. That is theft. 
Most recently I contacted your customer service phone line where a representative could not explain the error in statements. She claimed a corrected statement would be sent to me within 3-business days and that would have been XXXX XXXX, 2015. It has yet to arrive. When asked how I could trust the value on the pending statement to be accurate since the last one was not, she could not provide an answer. Upon my request she transferred me to a supervisor and that line never led to a human answering the line. 
A copy of this note is being sent both the Federal Trade Commission & the Consumer Financial Protection Bureau. It is important to note I will also reach out to various lawmakers to seek some kind of solution that prevents this powerless situation where a customer is held hostage by a bad company. 
Very disappointed XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formally complaint against XXXX XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXBalance Owed : {$740.00}
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to Pacific Concrete FCU v. Kauanoe, 62 Haw 334, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just wanted to start building my credit. I applied for credit cards and I always get declined. Someone told me go on credit karma and to check my credit score. While Im looking on XXXX XXXX its abunch of hard inquiries and things I had no part of. Its things in my name and I had no idea. I dont own a home. I dont own a car. These things is stopping me from owning anything at this point an thats not right!
Product: Debt collection

XXXX XXXX in XXXX South Carolina calls me twice a day and calls all my references every day. I asked them not to call my references everyday but they said they were told to by there supervisor.
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 an confidentiality under 15 USC 1681. 

I told Experian, XXXX, an XXXX to reinvestigate these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX on XX/XX/2023 I sent XXXX a notice of Opting out. Also XXXX never disclosed to me my right to Opt-out
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I identified incorrect inquiries on my credit report under 15 USC 1681c-2 that were not authorized by me. This wrong information is damaging my credit, and I request the removal of all unauthorized hard inquiries. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Transunion.com and looked at my free credit score. I was charged {$24.00} due to a trial. There is no way to get a refund, but I will say that is my fault for not reading the fine print. The problem is there is no way to cancel on the site. They have zero information on how to cancel. There is nothing found under the account, profile, or support tab. You have to leave the site and find answers in forums to learn you have to call in - wait over 20 minutes on the phone. This feels very deceiving and far too many steps to keep people locked into a monthly payment plan.
Product: Checking or savings account

I have an unauthorized transaction on my business checking account at US bank dated XXXX, XXXX 2019. Till XX/XX/XXXX I was on vacation, travelling different cities. Came back home XX/XX/2019 and noticed an unauthorized charge. I did not receive any notifications from bank regarding high amount charges and had no idea that my money were stolen, before I came back home. I don't have bank app on my phone for security reasons. And wasn't able to see charges on my account earlier. Was sure that bank will contact me if any suspicious activity will appear, as all my other banks do. 
My claim with US bank was denied because it was longer then 60 days since the transaction was posted. I filed claim the same day I saw the transaction on XX/XX/2019 and that was 57th day. The bank either can not count well or just lying The amount was {$4800.00}, published XX/XX/2019 by the California Union. I have not authorize this transaction.
Product: Checking or savings account

Car accident Attorney XXXX XXXX XXXX Of XXXX XXXX XXXX XXXX NY. And my wanted fugitive mother XXXX XXXX XXXX stole my entire car accident settlement. I never hired XXXX but he opened an escrow account in name and used to deposit car settlement check and take funds out of the escrow account. I never got a penny. I filed a complaint With the XXXX XXXX XXXX  grievance committee they refuse to disbar him. I want to make sure the escrow account is closed. I dont know what bank used mostly BNY Mellon.
Product: Credit card or prepaid card

I am filing this complaint to seek assistance with my specific situation and to do what I can to insure that Chase Credit Card Services is required to discontinue making cardholders pay for fraudulent charges. 

On XX/XX/2021 someone hacked my XXXX account and tried to make 2 charges, one for {$770.00} and one for {$540.00}. Chase caught the $ XXXXcharge and contacted me. They ask me to review my account to see if there were any other fraudulent charges and to call them if I found any. I identified the additional {$540.00} XXXX charge and called Chase as directed. The {$770.00} charge was rejected and the fraudulent {$540.00} charge was credited back to my account. I talked with XXXX and found out about the hacking and they closed my XXXX account. Everything was taken care of. 

Then without any legitimate reason, research, consideration of the other fraudulent XXXX charge made the same day or contact with me, someone at Chase decided the {$540.00} was a legitimate charge. I have been told this is because " I had bought items on XXXX before. '' The fact that I have purchased items from XXXX before does not in any way mean that the {$540.00} charge was not fraudulent. I also received a letter dated XX/XX/2021 from Chase stating You received benefit from this transaction. Upon receipt of the letter I called Chase to find out what benefit they showed I received and the representative could not find anything. Chase has to stop this practice of forcing cardholders to pay for fraudulent charges without any evidence that the charge is legitimate and without even contacting the cardholder to resolve the issue. 

Chase is saying it could take up to 90 days to resolve and I have to pay the {$540.00} in the meantime. I also have to provide documentation from XXXX proving I am innocent and have not falsely claimed this to be a fraudulent charge. In this country a person is innocent until proven guilty. At Chase cardholders are guilty of claiming a charge is fraudulent when its not, until they prove themselves innocent. 

Chase has falsely accused me of trying to claim something is fraud when its not. Chase is ignoring the fact that I have had this account for 22 years, never had a late payment, never tried to pull anything, and have been entrusted with a {$32000.00} credit line, which I have managed perfectly. 

The employees at Chase have the authority to create a situation like this, but no one seems to have the authority to fix it. They keep asking for information from XXXX. My XXXX account was hacked and closed. I can't access it to get any information and the phone number Chase gave me to contact XXXX doesn't work. Chase simply could have charged the item back to XXXX or contacted them and resolved the entire issue. 

Chase has to be required to stop the practice of forcing cardholders to pay charges they have reported as fraudulent without Chase having any documentation showing the charge is legitimate, such as a tracking number showing the item delivered to the cardholder or other clear documentation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

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.

Delete these accounts immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I opened a Citi Priority Checking with {$53000.00} on XX/XX/2021 and after 150 days I should have received {$700.00} as a promotional bonus but now after 160 days I still have not received it. I filed complaint with bank on XX/XX/2021 but they rejected my complaint. I need help in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I wanted to purchase an item online, the seller requested funds from XXXX to be transferred using his phone number instead of XXXX to avoid fees. I figured my bank should have fraud protection in case anything went wrong with XXXX and cover my money. I filed a claim with wells fargo and got absolutely no help and they said I cant get my {$500.00} back. I contacted the seller several times to get my money back and requested through XXXX and he declined. I called wells fargo before doing the transaction to ask if I was protected before doing so and the phone banker stated yes and I did he transfer.