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

I pulled my consumer report and noticed your company pulled my report without my permission. No consent is identity theft. Permissible purposes of consumer reports { 15 U.S.C. 1681b } for an entity to view a consumer 's credit report without a " permissible purpose. '' Therefore due to the damages that have been done to my report, you are civilly liable to me in the amount of { {$1000.00} } per 15 U.S.C 1681n. Second, because the address do not exist, then it is still considered unlawful to report inaccurate information on my credit report.
Product: Bank account or service

I was charged XXXX NSF fees by BBVA compass bank and they placed these charges on my account discriminately and did not post these fees as the charges posted. I requested all XXXX NSF fees reversed and the bank refused and only credited/refunded XXXX of them. Futhermore they charged these NSF fees after XXXX deposits were pending on my account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax and Experian for violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ) regarding the unauthorized reporting and disclosure of my personal credit information.

Legal Violations and Concerns 1. Failure to Protect Consumer Privacy ( 15 U.S.C. 1681, 6801 ) The FCRA ( 15 U.S.C. 1681 Section 602 ( a ) ) mandates that consumer reporting agencies act with fairness, impartiality, and respect for consumer privacy.

The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) requires financial institutions to protect consumers ' private information.

Equifax and XXXX  have failed to uphold these obligations by reporting my personal information without proper authorization. 
XXXX. Furnishing Consumer Reports Without Consent ( 15 U.S.C. 1681b ( a ) ( 2 ) ) Consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer to whom it relates. 
I have never provided written consent for XXXX, Experian, or any furnisher of information to report this account. 
I hereby revoke any previous consent ( verbal, non-verbal, written, implied, or otherwise ). 
XXXX. Failure to Provide an Opt-Out Option ( 15 U.S.C. 6802 ( b ) - ( c ) ) Financial institutions must inform consumers of their right to opt out of the disclosure of nonpublic personal information to third parties.

I was never informed of my right to opt out by the furnisher of information.

12 C.F.R. 1016.7 confirms that a consumer may opt out at any time. I am formally opting out of Equifax and Experians reporting services.

4. Unlawful Reporting of Adverse Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) Consumer reporting agencies are prohibited from reporting adverse information that is more than seven years old, except for criminal convictions.

The account in question qualifies as adverse information and is being reported without my consent, in violation of this statute.

5. Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ) Consumer reporting agencies must maintain reasonable procedures to prevent violations of the FCRA and ensure accurate reporting. 
Equifax and XXXX failed to prevent the reporting of unauthorized and potentially inaccurate information. 
XXXX. Knowingly Reporting Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Entities are prohibited from furnishing information if they know or have reasonable cause to believe it is inaccurate. 
The continued reporting of this adverse account without my consent violates this provision. 
Accounts in Question The following accounts are being unlawfully reported without my consent : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Lvnv funding has placed a debit on credit report. They have never sent any letter and will not validate the debt. The phone calls are Inconvenient. I am not sure what the debt is for. Please assist in validating and or removing the debt.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX F, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX F, XXXX XXXX, FL XXXX
Product: Checking or savings account

I am a Bank of America customer. On XX/XX/XXXX, I attempted to make a Bank of America credit card payment via using the online mobile app. The transaction typically is visible under account activity quickly. I did not see any evidence of the payment going through. I waited until the next day and checked my account activity again. I still did not see any evidence of the transaction. I thought maybe I made an error so I attempted to make the credit card payment again on XX/XX/XXXX via the online mobile app. Again, I did not see evidence of the transaction in my account history. I waited a while to see if the account activity would update indicting the transaction.Still no evidence. I then called Bank of America to assist ; as I did not want to be charged a late fee since the payment was not showing. I spoke with a customer service representative on XX/XX/XXXX and explained the difficulties I was experiencing. She stated that my checking account did not indicate any credit card payment for {$180.00} having occurred. I asked her to please double check because I did not want additional payments being withdrawn from my checking account to the credit card. She stated there were n't any but she would assist and take a payment by phone. The {$180.00} payment was then made by phone from checking to the credit card. I then reviewed my checking account via the mobile app on XX/XX/XXXX and saw that 3 separate payments for {$180.00} were withdrawn from my checking account on XX/XX/XXXX and XX/XX/XXXX, totaling {$540.00}. I attempted to call Bank of America to question and rectify the situation on XX/XX/XXXX but the office was closed. I called again on XX/XX/XXXX in the XXXX to have the problem rectified. I was on hold for 45 minutes. While I waited, my husband attempted calling from his phone. A customer service representative answered his call after being on hold for 5 minutes. I then explained the duplicate withdrawals from my checking to the agent. She stated she would connect me to the bill pay department and credit card department to rectify. I spoke with both departments. The credit card department said that they would refund the 2 additional payments to my checking account in 2-5 days. This is unacceptablea that my funds will not go into my account for 2-5 days. Additionally, they informed me that the system does not update on Sundays therefore the earliest I would be able to see if my funds were transferred back would be on Tuesday XX/XX/XXXX. Unacceptable - my money should be refunded sooner rather then later.
Product: Payday loan, title loan, or personal loan

Per " SEC. 4021. CREDIT PROTECTION DURING XXXX. '' If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). The National Emergency Concerning the Coronavirus XXXX XXXX ( XXXX ) Pandemic was active from XX/XX/XXXX, XXXX XX/XX/XXXX. Being effected financially by XXXX world disaster certainly qualifies me for accomadation. 

The following Account were reported as late or delinquent SBNASELFLNDR Account # XXXX & XXXX The late payments are listed on my credit report as the following XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX FIN AM, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX AUTO ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX, XXXX, XXXX CRED, XXXX, XXXX, XXXX, XXXX, XXXX AUTO ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

Hi, I need to dispute 5 transactions made with my debit card due " merchandize not received ''. I tried to reach the merchant several times ( last one XX/XX/XXXX ) to ask about the shipments but they never replied. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these purchases must be delivered on XX/XX/XXXX, but the seller never sent the shipment and never provided a tracking number. 
Also they are not answering the emails I sent to them asking the status.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally address several violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been mishandled : 1. XXXX XXXX - Account Number : # XXXX 2. XXXX XXXX Account Number : # XXXX 3. SBNASELFLNDR - Account Number : # XXXX 4. XXXX XXXX  - Account Number : # XXXX 5. XXXX - Account Number : # XXXX Upon reviewing my XXXX credit report on XX/XX/year>, I noticed several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual ( 15 USC 1681e ( b ) ).

Furthermore, according to 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to promptly delete or correct any information found to be inaccurate or incomplete after a reinvestigation. Specifically, they must : 1. Promptly delete the inaccurate or unverifiable information as appropriate based on the results of the reinvestigation.

2. Notify the furnisher of the information that the data has been modified or deleted from the consumers file.

Additionally, under 15 USC 1681s-2, furnishers are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

I request that the necessary corrections be made to my credit report immediately, and that I be informed of the actions taken to resolve these issues.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$3700.00}
Product: Credit card or prepaid card

Capital one is being less than helpful regarding a situation where I was denied check in to a hotel based on discriminatory practices by XXXX XXXX XXXX, WA. The reservation was booked and prepaid on XXXX using a capital one credit card. Upon arriving at this hotel to check-in, the front desk attendant refused to accept my credit card claiming it was a prepaid card. This is not correct, as the card in question is a Capital One Walmart Rewards Mastercard. So because this low rent motel person had never seen this card before I was refused the ability to check in. I then was forced to get another hotel at the last minute ( which I had no trouble checking into ). I travel extensively. 

Capital One is requesting I send in additional evidence, but in this case the evidence is simply that the credit card is very real, and who better to prove this fact to this uneducated merchant than capital one itself. Refusing me check in for no good reason and then refusing to give me a refund is the same as theft in my book. Capital One should understand their responsibility in this case. 

{$120.00} ( XXXX  XXXX ) appears on the statement as XXXX XXXX XXXX BY XXXX XXXX CT XXXX XXXX. Transaction posted on XX/XX/2022, but the check in date was XX/XX/2022.
Product: Payday loan, title loan, or personal loan

XXXXIn XXXX of XXXX, I complained to Wells Fargo Bank that XXXX was been scammped by their bank for additional interest charged to my personal loan. Wells fargo bank did a research and acknowledge the error and compensated me with {$210.00} on XX/XX/XXXX. 
Resolution : I am asking for {$500000.00} - XXXX as a penalty for violating my trust in the bank. 

Respectfully
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them about their violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and FCRA 15 USC 168. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Acceptance XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts listed on my credit report that I do NOT have knowledge of. This was a result of malpractice or an error.
Product: Credit reporting

On XX/XX/XXXX, I submitted a complaint to the Consumer Financial Protection Bureau, stating that Equifax has not responded to my request to investigate erroneous, inaccurate and incomplete information in my credit file. After the complaint was filed, a partial response was returned by Equifax stating that they will investigate the disputed items and get back with me within 60 days. This is totally unacceptable. Federal Law clearly states that a Credit Reporting Agency has 30 days to respond to a consumer 's complaint or dispute. The original dispute was filed on XX/XX/XXXX, and it has not been resolved yet. It has been over 120 days and they are still saying it will be another XXXX. Why even have Federal Laws if the Credit Bureaus do not follow them and are not held accountable. At this point, I am making a formal request that the disputed information be immediately deleted from my file, since no evidence has been properly established as to the validity of this erroneous information in the time allotted by Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY ID AND SOCIAL ALONG WITH OTHER ITEMS AND LATER OPENED FRAUDULENT ACCOUNTS IN MY NAME. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME, THEY WERE FRAUDULENTLY OPENED : ONE MAIN OPENED : XX/XX/19 AMT. XXXX   ONE MAIN OPENED : XX/XX/19 AMT. XXXX I HAVE ENCLOSED MY POLICE REORT AND ID THEFT REPORT.
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 I wasnt able to update my account info to change back account info so I contacted grain with questions it took them about a month to get back to me still with no proper way to fix this. 

Then I try to login the site and extra security was added asking me to upload id social security card proving who I am which I did and system denied me entry after all documentation was sent. I again reached out to gain cause Im seeing late payments added to my credit profile cause their system is having issues and its not just me whos having this problem after I search the web many people are affected. 

Every day or so often I try to log in the app flickers but will not let me in this goes on for about another month. I try to log in again it lets me in and kicks me out as Im trying update banking info. I enter card number and have {$50.00} I believe deducted from my account to test it. The app closes on me again I log back in this time the screen just stuck in a loading stage and I cant get in and til this day it remains that way. 
This company and its apps faulty function of it not working properly has caused me to receive multiple late payments and in charge off status cause of their app had so many issues and still does that I the consumer cant and couldnt log in to pay.
Product: Money transfer, virtual currency, or money service

On XXXX of XX/XX/XXXXi open an account on the portal Transferwise. I used it to receive and make payments of my clients. Everything was allright till XXXX that i realized that the account has been closed without any notifications. Till then i have been trying to recover my money without notice. 
Send some mails and the answer is that they are doing some compliance but i think that the they are taking a lot of time to do the work. 

Thanks
Product: Credit card or prepaid card

In XX/XX/2017, I received a letter from Chase Bank USA N.A.  requesting additional information for the XXXX Visa Signature card I had applied for. The letter stated that my application had been denied because the information on the handwritten application was illegible. They suggested I call XXXX because they were concerned that this was an attempt to use my information fraudulently. I called and reported that it was a fraudulent attempt, and I had not applied for any credit card. That day, I started an identity theft report as suggested on your website. I got an official police report, an id theft case #, an IRS report of ID theft, and sent Chase a letter with a picture id stating it was id theft. I enclosed all of the above information. They responded in a letter acknowledging the fraud activity and sent me a photocopy of the handwritten application that was sent to them said they would close the file and not issue a card. They told me the inquiries for credit would not appear on my credit report and any from this company would be removed. I put a fraud alert and a freeze on my credit report. My problem is every month for the last year, I have received another letter from Chase about my having applied for the same XXXX Visa Signature card. ( Yes, I now have 13 such letters ). The last 5 letters are requesting I remove the freeze on my credit file so the application can be processed.