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

In accordance with the Fair Credit Reporting Act, the below accounts have violated my rights. 
XXXX XXXX XXXX dismissed Reference number - XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX account number - XXXX XXXX XXXX - account number - XXXX XXXX  XXXX account number - XXXX DEPT OF EDUCATIONXXXX account number - XXXX XXXX XXXX  XXXX account number - XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number - XXXXXXXX XXXX account number - XXXX XXXX account number - XXXXXXXX XXXX XXXX  account number - XXXXXXXX XXXX XXXX XXXX account number - XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

I did not authorize XXXX XXXX Services on XXXX XXXX, 2017 to run my credit. And I constantly asked them to remove inquiry on my report to no prevail.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have 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

On XX/XX/2020, I attempted to transfer one thousand dollars ( {$1000.00} ) from XXXX XXXX  through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with Bank of America. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, Bank of America and XXXX XXXX ). My visit to Bank of America, information disclosed that the money was sent to XXXX XXXX. We have never had an account with XXXX XXXX, so we tried to reach out to XXXX XXXX and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that XXXX XXXX was involved but could not and would not give me any information regarding the money being sent to XXXX XXXX. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX in that matter. All of the claim agents from XXXX XXXX  was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.
Product: Debt collection

Creditor has failed to validate the date even after 3 request for validation and continuously reporting to credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud has been committed by XXXX XXXX An account appears on my consumer report I never gave them permission to report to my private property. This account do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX IXXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Checking or savings account

Citibank informed me my account was inactivated. Mode of contacting me was via Online message sent to a messaging account that has no obvious notifications. Notification has now disappeared and is unable to be viewed. Ive asked for it to be re emailed and they state they can not so this. They said they inactivated my savings account for inactivity ( in the form of transactions ). I have been depositing money personally monthly and sometimes twice monthly for the past two years and have accumulated XXXX dollars. Because my account is inactive I am unable to withdraw money to buy a house. My options when I found out two weeks ago that my account had been inactivated was to 1. Visit a branch ( which does not exist in the entire state of Texas where I live ). 2. Send a notarized letter with my name on it and social security to a branch in XXXX XXXX Texas. I was told by multiple employees at Citibank and managers that after receiving the letter my account would be reactivated the following business day. I spent XXXX dollars notarizing and overnighting a letter on the XXXX of XXXX to the address provided by Citibank. It was received at XXXX on the XXXX of XXXX. I have called everyday since for an update. I keep getting the run around and no one can tell me anything on my account. They simply keep telling me that it will be one more day, one more day, oh actually 2 weeks. I have talked to multiple managers and employees and all have a different story. Apparently the branch that controls the processing of letters does not have a phone number and so the employees over the phone can only contact them by email to check my account. I never get an answer if their emails were ever read. I am trying to buy a house and use my savings to do it. This is ridiculous and should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax breech. This is horrible because I 'm a young person who has worked very hard for her high credit number and I 'm disgusted that this company has known about this breech longer than today XXXX/XXXX/XXXX. I have never used this company for any reason but they still had access to my credit records. My privacy and future has been jeopardized. I 'm only a young adult, am I going to have to be looking over my shoulder all for the rest of my life?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to their 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 Electric Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I went through Experian to dispute my XXXX XXXX bill witch is {$1400.00} past due. But I explained that I called XXXX and they had no information of my past due balance and the reason why I have that is because my sister was on my plan and when I went into bootcamp she got here phone shut off twice and racked that bill up so I feel like I shouldn't have this on my credit report but Experian didnt take it off and did nothing to it once I disputed it with them. All I want is it to be off of my credit report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed several fraud items with equifax, they refuse to delete them and are violating the fair credit reporting act and other laws.
Product: Credit card or prepaid card

I opened the Synchrony Bank PayPal MasterCard summer of XXXX and set up autopay for minimum balance in XX/XX/XXXX. I have paid off the card in full nearly every month and never missed a payment. 


I checked my card today XX/XX/XXXX and was surprised to see an automatic payment for {$740.00} considering I manually paid {$200.00} XX/XX/XXXX and my minimum payment was more than covered. 


I checked my email - my last autopay change email was in XX/XX/XXXX when I set up the autopay initially, or so I thought. 


In my spam folder, marked as a phishing/spam email, I had received two notifications indicating my autopay had been changed to " statement balance '', and to call a new number if I did not authorize this change. As I never saw the email, I did not get the opportunity to change this - I never received mail or other notification indicating this change. 


When I called Synchrony, they were unable to help me and transferred me to a PayPal number that did not deal with the PayPal Mastercard. I called again about an hour later after attempting to have an ACH stop put on my checking account.

Synchrony said that in 2-3 weeks, I would receive a check for the {$740.00} payment I did not authorize ... they gave no information about what this meant for my credit card payment. Obviously I can't pay my bill if the entire balance of my checking account is floating in the aether for 2-3 weeks. They were unable to give me email or written confirmation that this check would be sent. On the phone they also " upgraded '' my card to a new account with a different account number. I no longer have access to my payment or charge history beyond screenshots I've taken during this entire process. 


I did not consent to the automatic payment of {$740.00}, and now I have to wait nearly a month for the privilege of maybe receiving a check for this amount.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2018, I found on my Transunion credit report, someone applied for credit under my information with XXXX XXXX XXXX. I called Transunion to dispute this as fraudulent activity. They told me that I could not dispute a hard inquiry based on the Fair Credit Reporting Act. They said my only recourse was to contact the company and dispute it with them and have the company remove the hard inquiry. I talked to a manager and they told me the same thing. I was confused by this from what I had read and repeatedly questioned why I could not dispute an inaccuracy on my credit report. They continued to say " based on the Fair Credit Reporting Act ''. Please let me know if I am incorrect in my understanding of dispute resolutions from the FTC website and others. I believe Transunion gave me incorrect information and did not provide the correct process under the regulation.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
BK OF AMER XXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive had my Experian account for years and it has old information and non factual details on the account. Ive requested that they look into the companies and they claim to but nothing has changed in my report status.
Product: Debt collection

I have spoken with XXXX Different FMA Alliance representatives, they confirm I am not the person they are looking for, promise to remove me from further telephone calls, but they keep calling
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX  - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE!
Product: Debt collection

Hi, I received a letter from SKO BRANNIER AMERICAN XXXX XXXX ) regarding a medical bill due from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. This letter states failure to respond, yet they did not have my apt # on this letter, i was given this letter from my neighbor. How can i respond if they do n't have my full address? I have sent letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a balance of {$580.00} they say that i owe them .... They dont respond and make me wait on hold when i call them ... They are quick to overcharge the patient and refund after the fact, as this occurred often. My Doctor left XXXX in XXXX of XXXX and i followed him to his new office, i actually had a balance of over payment ... they are notorious for over charging their patients, but i paid as i needed medical attention so i did n't question it. XXXX mailed me a check in XXXX of XXXX for approx {$300.00}. and then a year later, i am getting bills saying that i owe them {$580.00}, yet no back up they can provide and fast forward to XXXX - i am now getting a letter from this bill collector in New York. How do i go about this problem and get this resolved. I 'm going send another letter to XXXX and now the bill collectors, yet i feel this is so wrong and need an advocate as i get too emotionally wrapped up over the phone and feel they will ding by credit. Apologies for the sound bites of information- happy to provide more details. Thanks in advance for your help / assistance, much appreciated. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I'm trying to dispute this because I've have already contacted the collections Agencey on XX/XX/2023. They sent me a letter saying it can be removed and it's been verified, However, I need to have them, removed because of In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..
Product: Student loan

My loan servicer is Mohela, and I am currently on the SAVE payment plan, and therefore, unable to make payments due to court injunctions that have resulted in me being placed in a general forbearance. On XX/XX/year>, I submitted an application to switch to another Income-Driven Repayment Plan via studentaid.gov, which was then transferred to my loan servicer, Mohela. Mohela confirmed via online correspondence in my inbox that they received my application on XX/XX/year>. 

Per federal guidance, " If you submit an application to enroll in an IDR plan other than SAVE, but your loan servicer is unable to process your application within 10 business days of receiving the application or before your next billing statement will be sent, you will be moved into a processing forbearance for up to 60 days. During this period, you do not have to make your monthly payments on your student loans, interest is accruing, and time spent does provide credit toward PSLF* and IDR When you are moved into forbearance, your loan servicer will notify you about which type of forbearance you are in and which previous months were covered by which type of forbearance. They will also notify you when you have been placed in a new IDR plan. '' It has now been 67 days since Mohela reports recieving my application, far beyond the 10 business days they had to process my application and move me to a Processing Forbearance. I have reached out twice to request that they move me to a processing forbearance. Not moving my loans into to this processing forebearance will result in financial costs to me, as I will have to " buy-back '' these months insead of recieving he PSLF credit that I am due if they follow federal guidance.
Product: Checking or savings account

I filed a dispute with BBVA Compass Bank this month for an unauthorizeda transaction in the amount of {$350.00} to a XXXX store. The bank then froze my account and informed me they were cancelling my account. BBVA then told me to go to a local branch to withdraw my money, which I did, but was informed that I could not access my funds. I called back & was told that there was no reason for this & when pressed further for more information I was told that because they cancelled my account they would not be able to honor my dispute. I told them that they were cancelling my account after the fact so my disput was a legitimate claim. They had deposited the funds into my account but was then told they were taking it back and I Woukd have to wait 7-10 business days bc they were mailing me a check. Also, my direct deposit went into this account ( I couldnt change it in time ) but was told that I had to wait to receive my money. I have a balance of {$240.00} & my direct deposit was {$1700.00}, but they will not allow me to withdraw my funds. I am moving & need my funds but they said sorry. The dispute claim was denied but said I Woukd get a letter in the mail. I did receive said letter stating that they had put the money back into my account. I need these funds immediately. BBVA is unwilling to allow me to access these funds and I need help ASAP pleaae
Product: Checking or savings account

On XX/XX/2024 I made a call to Citizens bank to make a XXXX time payment towards to my Citizens mortgage using my Citizens XXXX  account. My monthly mortgage payment is paid via XXXX XXXX XXXX XXXXXXXX checking account. The representative was only provided my Citizens XXXX  account number for the XXXX time payment. But since both bank XXXX  accounts are listed, the representative ( XXXX ) wasnt paying attention and used my XXXX XXXX XXXXXXXX checking account for the XXXX time payment. This caused a $ XXXX overdraft in my XXXX XXXX XXXX  XXXX  account. By the time the transaction from XX/XX/XXXX had actually processed it was XX/XX/XXXX. I use my XXXX XXXX XXXX XXXX  account as my primary account to pay my monthly bills, all of which are on autopay. It was the first week of the month and I had no money in my account. I thankfully had some money in my XXXX  XXXX XXXX XXXX account and was quickly able to transfer money to my XXXX  account to pay all my bills. I knew it would take time to investigate what happened and I couldnt wait for nor rely on Citizens to fix the issue. I spoke to a few people at Citizens ( XXXX, XXXX and XXXX XXXX. They didnt seem to understand the severity of the issue. They kept saying dont worry you have a few more weeks until your Citizen monthly mortgage payment is due. My Citizens monthly mortgage payment was the least of my concerns. I kept asking if Citizens would have paid my other bills ( HOA, internet, cable, cell ) if they werent able to fix the issue immediately and no one had a response. In the end, the transfer of money from my XXXX XXXX XXXXXXXX XXXX account to XXXX  account fixed the issue. I didnt trust Citizens to reverse everything correctly to process it from the Citizens XXXX account. It was also going to force me to provide additional documentation and the level of stress and time I spent fixing the issue myself was already too much.
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. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX  -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$920.00} XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I had {$4900.00} in my Venmo account which I attempted to send to my primary bank account. Venmo offers an instant transfer but it said my bank was not compatible. I chose to do a standard transfer, which is advertised as XXXX business days, and all over the place there is fine print saying transfers initiated before XXXX XXXX will be credited the next business day and what not. I initiated my transfer on XX/XX/XXXX around XXXX and it said scheduled to be completed on XX/XX/XXXX. That was 3 days ago and I havent even gotten an update. The thing still says scheduled to be completed on the XXXX, and on the mobile app it says it was completed on the XXXX. Ive been on the phone with customer service and they provide zero answers.