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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please investigate and correct the following items immediately : 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
Product: Credit reporting or other personal consumer reports

Please delete these unauthorized inquires from my credit report. XXXX, XXXX, and Experian are all reporting unauthorized inquires which has damage my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Product: Credit card or prepaid card

I have been diagnosed with XXXX XXXX at age XXXX. This last year I had XXXX XXXX of my XXXX  removed and had XXXX XXXX XXXX. I was and continue to make the payments on my credit cards, but the interest is now ~26 percent and the monthly bill is {$370.00}. I have three Chase credit cards. I paid one off completely and explained to Chase via phone call and through their website email service that I intend to pay off {$12000.00} by XX/XX/2019 when I receive my bonus check from my employer. This amount is guaranteed, not fictitious or contrived. Despite sending medical proof from XXXX XXXX XXXX Hospital that I am recovering from an aggressive XXXX /XXXX and making a promise to pay, they will not assist me. Moreover, my most recent payment, despite being paid on time was not deducted from my balance. Rather, new interest was added at the same time the payment was made, making my account still over the {$12000.00} credit limit. Not only will Chase not help, but they are hedging against me. I am requesting, as a single mother of XXXX children, a citizen, born in the United States, with no criminal or motor vehicle record of any kind, for the help of this federal organization.
Product: Debt collection

Cedars Business Services is trying to collect a debt for XXXX that they claim I owe. However, I have never signed any sort of credit agreement or lending agreement with XXXX, nor have I ever conducted any monetary transaction with XXXX. XXXX is stealing money from me and now Cedars Business Services is trying on XXXX 's behalf to take money from me that I never owed to XXXX in the first place. Cedars Business Services has been unable to produce any evidence showing that I have authorized XXXX to lend me money nor have they given me any proof that this alleged debt is mine. I have disputed this with all of the credit bureaus multiple times and they have not shown me any proof. This false payment owed is now on my credit report and is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had trouble getting a dispute through to Experian, involving a collection account on my credit bureau report that is inaccurate/not mine. Despite three attempts to get my dispute through to Experian via the CFPB, my disputes have been returned " duplicate '' disputes. This may be because I had already attempted to resolve the matter directly with Experian - to no acceptable result.
The matter involves an open collection account on my Experian bureau credit report - for XXXX XXXX - that represents a collection for a credit card I never opened or owned.
I have disputed this matter with credit bureaus XXXX and XXXX. They both have removed the XXXX XXXX collection account from my report, as their investigations found that the account is not mine. I am asking that Experian do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in  XXXX  letters,  XXXX  fax, and called once and nothing has been changed.     The only address that should appear :   XXXX   XXXX   XXXX    XXXX , Ky  XXXX  The only Employer that should be listed is :   XXXX   XXXX
Product: Checking or savings account

On Saturday, XX/XX/XXXX, XXXX XXXX XXXX XXXX, my in-law, attempted to deposit three ( 3 ) paycheck stubs to a Citizens Bank ATM XXXX The ATM accepted two ( 2 ) of the three ( 3 ) checks. Subsequently, XXXX XXXX XXXX XXXX, his son, XXXX XXXX XXXX, and I telephoned the Citizens Bank phone number on the back of his checking accounts debit card. The polite and courteous staff advised us that : we would need to wait three ( 3 ) business days to witness the posting of the transactions as the deposited checks were in pending mode. 
At that time report the matter again. 
no supervisors were available to override the Citizens Banks databases unduly restrictive policy of waiting for transactions to post before taking action. 

I corresponded via email to the Citizens Banks CEO and Board Chair, XXXX XXXX XXXX to alert him to the inconvenience. I requested an immediate response for Monday, XX/XX/XXXX, the first workday since the ATM transaction failure. My electronic letter was to avoid our considerable inconvenience to : wait for Wednesday XX/XX/XXXX at an hour available to reassemble XXXX XXXX XXXX XXXX, his son and myself dial and protract time for a telephone agent to present themselves on the line request a translator for XXXX XXXX XXXX XXXX authenticate the account with XXXX XXXX XXXX XXXX proceed with the complaint to : request adjustment to the third ( 3rd ) check fee to deposit as over XXXX dollars not three ( 3 ) cents as the receipt shows. 
Ensure that Citizens Bank fixed the local ATM
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy on XX/XX/18, I was told not to pay Wells Fargo auto loan during the bankruptcy process until we were notified if the reaffirmation would be accepted with Wells Fargo. I never received any documentation or information from Wells Fargo bankruptcy dept nor did my attorney so four months passed & on XXXX of 2018 my bankruptcy was discharged. I Called Wells Fargo to get information as what to do with my auto loan weather to surrender the vehicle or continue the payments beginning XXXX of 2018, I was informed I could keep the vehicle & that my payments would remain the same so I began making my payments on XX/XX/2018 as detailed on the transaction history page 1/1. I made my payments at the branch monthly through XX/XX/2018. When the month of XX/XX/2018 began my vehicle was repossessed I couldnt understand why I had made my payments every month after my bankruptcy discharge date I was at a loss, when I inquired I was told that I owed for the months of XXXX thru XXXX of 2018 I explained that I was informed by my attorney & there bankruptcy dept that no payments are due during the bankruptcy process until the discharge is complete and a reaffirmation has been accepted by both parties. Nonetheless my credit report shows no information during the months of XXXX, XXXX, XXXX, XX/XX/2018 because I was in bankruptcy & my credit file shows no payments made for XXXX thru XX/XX/2018 which is false the transaction history shows my payments received
Product: Credit card or prepaid card

I have an account w Barclays through Jet Blue ( XXXX ). I have tried to contact Barclays numerous times to close the account. Every time I call the main number I and inform them I want to close my account the call is transferred and then I am put on hold for a long time, and then the call drops. In effect, the bank has set up a system that precludes consumers like me to close a credit card account. This should not be allowed. 
In the meantime, the bank continues to contact me about the annual fee of {$99.00}. But once I cancel the account I will not owe the fee.
Product: Credit reporting or other personal consumer reports

Today on XX/XX/XXXX, I had a chance to look at this report and there ARE MANY INACCURATE things on this report that I DEMAND TO BE REMOVED BY XX/XX/XXXX OR I WILL SUE FOR {$100000.00} INCLUDING LEGAL FEES!!! THIS SITUATION HAS PREVENTED ME FROM GETTING A JOB, A PLACE, A VEHICLE AND I HAVE BEEN JOBLESS ALONG WITH HOMELESS SINCE XXXX WITHOUT ANY SUPPORT FROM ANYONE OR ANYTHING. I DO NOT ASK FOR MUCH BUT THIS INFORMATION IS NOT ACCURATE AND NEEDS TO BE REMOVED XXXX DOCUMENTATION HAS BEEN PROVIDED IF IT HAS IT WAS SHREDDED DUE TO MY EVICTION AND HOMELESSNESS!!! THIS HAS TO GO!! OR PAY {$100000.00} INCLUDING LEGAL FEES
Product: Money transfer, virtual currency, or money service

I was robbed of approximately {$11000.00} thru XXXX wire transfers. The crime occurred on XX/XX/XXXX, and I reported it to my bank while the crime was happening. The perpetrator attempted XXXX transfers, and the bank stopped XXXX of them. XXXX of them were processed by my bank while I was standing in the local branch managers office reporting the crime. XXXX has told me that other than emailing the receiving bank and asking nicely for them to return the funds, there isnt much else they can do. Twice they have sent me generic emails saying they were closing all XXXX open claims without any explanation as to why. I keep trying to get someone from XXXX other than a call center person in a foreign country to talk to me and help me recover the money but cant get anyone to assist. Ive been passed around like a XXXX bottle at a frat party and no one seems interested in helping me recover my money. I need help understanding what my legal rights are in holding my bank accountable for recovering the money.
Product: Credit reporting or other personal consumer reports

I demand that these companies modify to report paid as agreed never late and mail me the investigation results with the procedures they took for the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX .... Tx XXXX XXXX XXXX .... XXXX XXXX .... Original CreditorXXXX 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. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have exhausted all options on trying to reach someone regarding an extremely heart breaking closure of both my checking ( ending in XXXX ) and savings account ( ending in XXXX ) on XX/XX/XXXX XXXX.I am a single mother in the middle of the pandemic only receiving social security and child support as consistent deposits. I have been a loyal Ally customer for years and not sure why I have been blindsided with this decision. I haven't violated any policies as I was told when speaking to several representatives, however both my checking and savings are closed as well as me being told I can't apply for another account with Ally because they severed their banking relationship with me. 

I don't work, have no car and 2 young children. I have been saving that money for a while to get us a home. my CD account with Ally seems to still be open so I am confused as how it's okay to continue to keep my CD in place but sever the relationship with me regarding my checking and savings account. Being on XXXX, all of my bills are paid directly through this account. 

The only notice I was given was an email minutes before it was already closed anyway instead of being able to communicate and figure out if there was a real reason why I am not able to no longer bank with Ally. I do not own any businesses nor do I make any business transactions other than actually buying from and purchasing items as any normal mom would. 

I am not able to access my money for weeks including using the ATM as I was told an entire check for the amount that was left which is totaling more than {$11000.00} was already sent out originally on XX/XX/2020 ( but wasn't actually reported to have been mailed until XX/XX/2020 ) As it was also the Independence Day holiday weekend, I was not be able to cash or use the money from my account while being in a pandemic with my children. I have been saving for so long to get us a house someday. 

I have contacted several representatives from Ally bank who have tired to investigate an actual reason for my account closures and they, as well as supervisors, have stated there is actually no real reason given and no violations I have made. I decided to apply again to open up a checking and savings account with Ally on XX/XX/2020 and was approved for both! Immediately I was told the next day, XX/XX/2020 when inquiring about when my new debit card would arrive, that I am not allowed to be issued a card and that this NEW savings and checking account may be closed as well! This has been a nightmare and I need help for what has happened to me.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with the collection agency XXXX XXXX XXXX, they did not provide me with the original contract as requested
Product: Credit reporting or other personal consumer reports

I am writing to request that the following accounts and inquiries be blocked and deleted from my credit report due to fraudulent activity associated with a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts and inquiries removed from my credit file. 
The following accounts should be blocked and deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which I remember I paid in time. I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I found that under section 605b of the FCRA you are required by law to correct & update any accounts or information which is found to be late due to negligence. The dispute items were paid in time. Please correct/update these files. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$850000.00} and XXXX XXXX XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$560000.00}. According to FCRA, the 3 CREDIT REPORTING AGENCIES shall update any information in the file of a consumer that the consumer identifies as information that resulted from blunder of the creditor, not later than 4 business days after the date of receipt. If you feel there is a possibility these accounts were paid in late I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over 30 days to get Synchrony Bank/Carecredit to stop reporting to the credit bureaus that this account is paid by a credit counseling program. I was on Consolidated Credit counseling for three months from XX/XX/XXXX to XX/XX/XXXX. They mailed me a letter and Synchrony Bank a letter showing I am no longer on the program. I have been paying this creditor on my own since XX/XX/XXXX. After disputes with XXXX and XXXX, Synchrony Bank refuse to remove the clause that I am on a credit counseling program and it is causing me to be denied for credit. I need your help is getting this resolve because it 's been over 30 days and I have not received an results
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im speechless. AGAIN, this circumstance is making me sick! Experian and CFPB are impervious to my complaint. I retain sending abundant sets of letters to Experian so the excuse of we didn't get it '' doesn't happen but then nothing occurred. It seems that they are likely to disregard the trend and let these fraudulent accounts affect my credit score. They are destined to obey the FCRA regulation section 605b but I think they are negligent about this matter. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report and my Police Report to them but still nothing has been altered. They became negligent of the FCRA law and continued reporting this information on my Credit File without Appropriate Authorization or Examination. I am an identity theft victim and I want you to do your part and REMOVE these items that caused me so much stress. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX