23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX IA XXXX Subject : Formal Complaint Against XXXX, Equifax, and XXXX for Violations of 15 USC 1666b, 15 USC 1691, 15 USC 1692c, 12 CFR 1002, and Other Consumer Protection Laws Dear Sir/Madam, I am submitting a formal complaint against XXXX, Equifax, and XXXX for multiple violations of federal laws, including 15 USC 1666b ( Credit Billing Act ), 15 USC 1691 ( Equal Credit Opportunity Act ), 15 USC 1692c ( Fair Debt Collection Practices Act ), 12 CFR 1002 ( Regulation B ), and the Fair Credit Reporting Act ( 15 USC 1681 ). These violations have caused significant harm to my financial status, disenfranchised me from fair credit opportunities, and infringed on my right to privacy.

Violations of 15 USC 1666b ( Credit Billing Act ) The credit reporting agencies have failed to provide timely corrections or deletions of disputed information, including negative and outdated entries, closed accounts, and inaccurate addresses. Despite my attempts to resolve these matters, they continue to report incorrect information without following proper procedures under this statute. 

Violations of 15 USC 1691 and 12 CFR 1002 ( Equal Credit Opportunity Act and Regulation B ) XXXX, Equifax, and XXXX have unlawfully shared my personal and financial information with banks, loan companies, and other institutions without my explicit written consent. These actions violate my rights under the ECOA and Regulation B, further restricting my access to credit and loans. 

Violations of 15 USC 1692c ( Fair Debt Collection Practices Act ) These agencies have continued to share inaccurate information with third parties after I explicitly requested they cease such activity. This violates 15 USC 1692c, which governs the conduct of information sharing without the consumers consent, leading to ongoing financial hardship and privacy breaches. 

Violations of 15 USC 1681 ( Fair Credit Reporting Act ) XXXX, Equifax, and XXXX have failed to comply with key provisions of the FCRA : 1681b They lacked permissible purposes to access or distribute my credit report and provided negative information without my authorization.

1681e They did not follow reasonable procedures to ensure the accuracy of the information reported, resulting in negative entries that I have previously disputed.

1681c The agencies failed to remove outdated and inaccurate information, including closed accounts and former addresses.

1681n & 1681o These agencies willfully and negligently failed to comply with the FCRA, resulting in ongoing financial harm to me. 
Violations of 15 USC 6801 ( XXXX XXXX ) The agencies violated the XXXX XXXX by failing to protect my nonpublic personal information, sharing it with third parties without my explicit consent, and not providing me with the necessary protections outlined under 6801.

Violations of 15 USC 45 ( FTC Act ) Their actions constitute unfair and deceptive practices under the FTC Act ( 15 USC 45 ). The continued unauthorized dissemination of my negative and inaccurate information to third parties violates this statute.
Product: Credit card or prepaid card

American Express card did not send paper or electronic statements, but I would get email from them telling me my payment is late the day after it was due EVERY MONTH. 
I'd call them, they'd waive the fee due to not sending a statement, and I'd pay the total balance on the spot. This went on for years! 
In XX/XX/2022 they would not waive the fee, I paid the balance without the fee and was told I'd be contacted by a supervisor as one was not available. They never called. 
In XXXX they billed a late fee and interest on top of the previous late fee and I called again, and then again in XXXX. 
This has continued up to now ( XX/XX/2022 ). 
Again, a month has gone by and I'm being billed, again, for interest and late fees on interest and late fees that I'm only aware of as my bank emailed me I have a bill due. 
This is deplorable! I've spent hours on the phone with them each month calling their customer service line at XXXX I contacted them again today, and they ( supervisor XXXX XXXX stated that he was clearing the balance and closing the account. He said he was 200 % sure this was done, which I've been told every month. My last call on XX/XX/2022 I was told the same, and given confirmation number XXXX. When I asked XXXX for a confirmation number today I was told that they don't generate confirmation numbers. He assured me it's done, and in the same breath recommended I call back in a week to confirm the account has a XXXX balance for my peace of mind. 
Regardless of whether the issue is resolved, I'm escalating this issue as it should've never happened. Hopefully I will not have to follow up on this complaint again next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing consumers because I contracted XXXX XXXX and I was XXXX XXXX before that my car was broken into my social security card, credit cards and identify was compromised, which cases incorrect reports on my credit report. XXXX XXXX XXXX XXXX  ) is showing {$600.00} debt that is incorrect/fraudulent transaction I never got a loan with speedy cash needs to be removed off my credit history, XXXX shows {$110.00} which isnt correct I get essential Internet I have uploaded my bill showing thats not correct needs to be removed and Indigo credit card was stolen including my social security card, unauthorized transactions and I filed on my insurance for theft & police report was submitted.
Product: Checking or savings account

Submitted information in regards to claim # XXXX on XX/XX/XXXX via email to XXXX like another email prior that was sent to me. Capital One emailed me on XX/XX/year> denying my claim stating I did not give them any information to support my claim that information. And for one part of this claim it states they did a review and information was given by the merchant to show {$100.00} out of the claim is valid but did not provide that information in writing or any way for me to refute it.
Product: Checking or savings account

on XXXX there was an unauthorized charge that attempted to clear my bank account from an old debit card tied my checking account in the amount of {$500.00}. The card that was tried to use ends in XXXX. That card was deactivated several months ago and I have a new card for that account that ends in XXXX. However, even though that card is deactivated, the charge was billed as a reoccurring charge, therefor they could of taken the money out of my account anyway. If I would of had funds in the bank account then that charge of {$500.00} would of cleared and I would be out that amount. 

The company that tried to make the charge is tXXXX XXXX XXXX. If you XXXX that name alof of people have been scammed by it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter over 90 days regarding account XXXX XXXX XXXX XXXX. Please send me the proof that you ever did an investigation on this late payment. The only legal form of verification is a copy of their bank statement proving when my account was late. Unless you can furnish this, you need to remove this late payment due to inaccurate reporting.
Product: Checking or savings account

My husband and I own a joint savings, and 2 joint checking accounts with bank of america. I am the primary on one of the checking and he on the other. On XX/XX/2019 I got a notification that our savings was below {$25.00} so I quickly logged into our account to see very unusual activity. The activity consisted of {$1900.00} transfer from our joint savings to the checking account where he is the primary account holder. I immediately called in to Bank of America to report this. The {$1900.00} that was transferred into the checking was then moved out of our account via XXXX transfers of {$100.00} each, ( 19 transactions in total I believe it was ). Whomever was in our account then went back into the savings and completed 2 or 3 more {$100.00} XXXX transfers. All of these transfers went to names that both my husband and I do not know nor did we authorize them. Bank of America put an immediate hold on our accounts at this time and told us to visit a banking center the following morning as it was close to their closing time. 

Saturday, XX/XX/2019, my husband and I visited the bank of america banking center in XXXX, NH at XXXX. We met with an employee there and he worked on our accounts for the next 2 hours. We closed all 3 of our accounts and were issued 3 new accounts ( 1 savings and 2 checkings ). We were told that our fraud investigation would conclude on Thursday, XX/XX/2019. They agreed that these transactions looked very fraudulent as we could not even begin to pronounce the names listed and we have never once used XXXX before. 

I called the Bank of America fraud department for check ups numerous times to ask if there is anything we can do as our mortgage is now going to be late ( was due XX/XX/XXXX ) and other bills are now started to be late as well. They assured me the investigation would be completed by XX/XX/XXXX. Sure enough it is the end of the business day on XX/XX/2019 and we still are missing a ton of money. I am on unpaid maternity leave in 2 weeks and need to this figured out immediately. We are now going to ( according to bank of america ) be stuck with late fees for the payments we can not make since our money is missing for over 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about the forgery of furniture. I have attached my previous correspondence with Transunion, the courthouse, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a deposit of {$100.00}, {$100.00}, and {$200.00}, totaling {$400.00}, to my Skrill account. Although I don't use my Skrill account frequently, I reactivated it in XXXX of this year. I completed the full verification process for my account and did not anticipate any issues in transferring funds from my account to my bank account. However, I recently received a notification stating that my account is now restricted for outgoing transactions and ACH deposits without any reason. I was surprised to hear this since my account was not restricted before I received the funds. It is frustrating to encounter such an issue when I have not used the account frequently. All I ask is that I receive my full balance on my account so that I may close my skrill account. This makes no sense as the account was fine before i received the funds, now all of a sudden it's restricted.
Product: Credit reporting or other personal consumer reports

I spoke with each company in the month of XX/XX/year>. I am XXXX XXXX  and have to maintain an active security clearance. Inaccurate reporting causes direct hardship and hinderance to daily well-being.
Product: Credit card or prepaid card

Hi, JP Morgan Chase owes me a points refund in Ultimate reward points for airline tickets I had purchased and the flight was canceled. In the past 1 month, I have called the credit card services at Chase 3 times now and spent over an hour on each call explaining what the issue is. Every time I was told it will be resolved in XXXX hours but it has not been resolved yet. 

I have an email ( attached with the complaint ) from the last agents stating : " We have sent a request to have the XXXX points to be manually adjusted to your VISA card XXXX. In addition, we also requested a one-time courtesy compensation of XXXX goodwill points to be adjusted to the card mentioned above. '' I am not sure how many more times am I supposed to reach out to the bank after receiving confirmation from three different agents that they owe me the points. 

Any help from CFPB in this matter is greatly appreciated. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I recently received a letter from this company demanding payment. I have never done business with this company and they have not provided me with a service and nor have I agreed to pay them for services or goods
Product: Credit reporting or other personal consumer reports

As I have been reading the FAIR CREDIT REPORTING ACT 15 USC 1681 section 602 a clearly states, there is a need to insure that consumer reporting agencies exercise their main responsibilities with impartiality, fairness, and must respect for the consumers right to privacy. 
XXXX, XXXX are consumer reporting agencies and I am a consumer thats the first thing .and I have the right to make my information is private and isnt just. Which is also backed by 15 USC 6801 clearly states its the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality and now I will also place laws on here that cover me as well. 
( Furnisher of information to credit agencies ) 15 USC 1681 section 604 ( a ) section 2 and subsection ( c ) also 15 USC 6802 ( b ) ( c ) And 15 USC 1681C ( a ) ( 5 ) expect as authorized under subsection ( b ) 15 U.S Code 1681 s-2 ( A ) ( 1 ) Also 15 U.S Code 1681e and 1681c, 1681b Because XXXX and XXXX are not maintaining reasonable procedures and also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time so I AM OPTING OUT OF YOUR REPORTING SERVICES!!!!
Product: Checking or savings account

I first became aware that my account had been compromised when a seller contacted me and made some alarming statements. They alluded to having access to my personal and debit card information, which they claimed to be using at their discretion. At first, I thought it might be a phishing attempt or a scam, but my suspicions were confirmed when I started noticing a string of unauthorized charges on my bank statement. Around this time, my personal phone went missing and I figured that was the actual cause of the unauthorized transactions however, after many threats from the seller and emails of their policy, it became evident that my banking information was compromised. 

A closer examination of the transactions revealed that all of the charges were from various political betting merchants, and what caught my attention was the fact that the transactions were all related to election bets, which I had no prior knowledge of. I was shocked and concerned by this information, and I immediately contacted my bank to report the incident. 

Initially when I asked SoFi for a provisional credit they told me that it can take up to 10 days to receive it however, when I questioned if the procedure for credit and debit fraudulent transactions were the same as credit which you get a provisional credit within 48 hours, the agent over the phone stated that it's a different procedure while I followed up with an agent who stated that it was the exact same. When I showed proof of this interaction, SoFi immediately denied my dispute showing a sense of inconsistency and backtracking of their policies. The reasoning for their denial was that I had prior relationships with the companies which out of 3 of the merchants, it was only 1 that I had previous experiences with which I stated above. They also said it was a standard trend of transactions which is untrue as well given that {$5100.00} was spent in a matter of 2 days when I don't even make that in a month. The transactions were all based around betting and politics which I wasn't aware was even legal. I reached out to the merchants personally. 2 ignored me while 1 stated that there was indeed several transactions being pushed through and that they returned the money back to my bank but, the bank never communicated that with me or returned the money to me. The bank in the dispute reasoning clearly stated that everything was successfully being authorized while the merchant is saying otherwise which leads me to know that they didn't even reach out to the merchants personally to get this thoroughly investigated as they were very fixated on making an example out of me for knowing that per banking policies, I was to get a provisional credit. I took my time reporting this because SoFi is known for closing accounts when you question their inconsistencies and integrity and also with the merchant making threats and acting on them by getting away with {$5100.00} and knowing where I physically live has been all a traumatic experience. We know the police do not protect people so I have been both in fear and loss of significant funds because SoFi did not do their job thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.
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 accounts 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 NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/19 I had sent a certified and notarized letter to XXXX which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document. 

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.
Product: Debt collection

I sent out a letter on XXXX to all 3 credit bureaus a letter letting them know that I was unaware of there collections. it is affecting my credit and by law they have 30 dasy to look into this problem and give a response in which that I not received anything.
Product: Debt collection

someone from XXXX XXXX XXXX, phone number XXXX has been calling daily stating they will take legal action. They do not state whom they are calling for and the message is a robo-voice. I have received no written information on this debt and there is no listing anywhere for a collection agency called XXXX XXXX XXXX. I do believe this is a scam
Product: Credit card or prepaid card

I HAVE MADE ALL PAYMENTS ON TIME AND THIS COMPANY LOWERED MY LINE OF CREDIT AND THEN CLOSED MY CARD WITHOUT NOTIFICATION. 
THIS CLOSURE IS CAUSING ME TO HAVE A BAD CREDIT SCORE AND CAUSING ME FINANCIAL DISTRESS. I CAN NOT GET A LOAN OR A MORTGAGE DUE THIS CLOSED ACCOUNT ON MY CREDIT REPORTS. THIS ACCOUNT WAS CLOSED IN GOOD STANDING WITH NO MONEY OWED. 
PLEASE REMOVE THIS CLOSED ACCOUNT FROM MY CREDIT REPORTS SO ME AND MY FAMILY CAN MOVE ON WITH OUR LIVES. THIS IS POSSIBLE AND CAN BE DONE IN GOOD FAITH. I WAS A GOOD CUSTOMER AND I PAID ALL MY BILLS. 
PLEASE REMOVE THIS OLD ACCOUNT FROM MY CREDIT REPORTS.
Product: Credit reporting

Credit report for new loan found out there is a bill total XXXX from XXXX XXXX is not my bill belongs to a family member now on my credit report causing my score to go down. I did pay this for that person, however I do not think this should be on my report. XXXX has several XXXX complaints and continues to be allowed to mess up people 's credit because of their bad practice of lying to customers. This bill was not even mine.
Product: Money transfer, virtual currency, or money service

I have transferred money to XXXX on XX/XX/XXXX but the money has not been transferred to my XXXX account and requested to cancel the transaction and they told they cancelled but they are not releasing the money back. If dollar rate is increasing then WU is  holding our money and converting it to higher XXXX rate. This is really disappointed