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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX 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 XXXX 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

I have requested information from Experian about my dispute. They have failed to submit proof and verification of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with XXXX XXXX on XX/XX/XXXX for a debt listed on my credit report owed to XXXX XXXX XXXX for an original debt owed to XXXX XXXX in the amount of {$2300.00}. I stated that I have never held any account with XXXX XXXX. 
I received documentation back from XXXX XXXX on XX/XX/XXXX stating that they had contacted XXXX XXXX XXXX and were advised that the account was accurate. 
After receiving this documentation I contacted XXXX XXXX XXXX directly by telephone today ( XX/XX/XXXX ) and was informed that they would open a dispute of this item, which was for a cell phone account opened on XX/XX/XXXX for a cell phone number of XXXX. I informed XXXX XXXX XXXX that I have never applied for or held an account with XXXX XXXX and have never had that telephone number. XXXX XXXX XXXX stated they would open a dispute on this item and to contact the Federal Trade Commission  online to report the information which led me to this website.
Product: Prepaid card

My card will not allow me to spend over {$500.00} at a store nor will it allow me to take out more than {$500.00} at an atm. Now I understand the atm withdraw but why can I not use more than XXXX on a transaction at a store if the funds are there to be utilized.
Product: Credit card or prepaid card

I was making a purchase at XXXX XXXX  XXXX when they asked me if I would like to apply for a credit card when making my purchase to receive a 20 % discount on my purchase of some XXXX dollars. I agree. Then they billed me on the credit card I just bought. I took home my item that I would later find defective. It took me a few months to return the item because the store is some ways away from home. In the mean time I got the statement which I did not pay because I had intended to return the item sooner but I had other matters in life. If I paid the first credit crd statement and I returned the item. I would be issued a credit instead of cash. Or at least I though. So I notified the credit card comp [ any of my situation. They agreed to wave the late fee. Then I returned the item and the XXXX dollars was issued back to my account. I received a few more statements over the months and simple threw them away, seeing as I had not purchased anything with the card. I was sent another one last week and opened it to see why they kept sending me statements. I saw they were saying I owed them XXXX dollars. I called them to ask why. They said because I was being charged a late fee on interesest charged off a cancelled late fee. Doesn't make any sense to me. So I am here to complain. The bank that XXXX XXXX XXXX uses is XXXX XXXX. I see many other people are complaining about them as well.
Product: Debt collection

There are fraudulent accounts on my credit report that are affecting my credit score. Can you please take them off?
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Propagating false information of my name and address is against the law, any bill depth that's obtaining those entities needs to be removed. Any information obtaining so as inquiries hard or soft that's obtaining the same information needs to be removed. Any address prior to my currently address is incorrect and need to be removed. Anything that's in ties with those incorrect addresses needs to be removed. They are Propagating and dismantling false information upon me and the laws.
Product: Debt collection

This debt collector is using deceptive practices by spoofing their To display the phone number in the area code of where the person lives
Product: Credit reporting 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. 
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
Product: Money transfer, virtual currency, or money service

They are not sending my banking information in a timely manner
Product: Student loan

Last year before the Biden student loan relief plan had been announced, I made a payment of $ XXXX to EdFinancial. After the news of the Biden plan came out I requested a refund for those $ XXXX. I never got the refund, but my loan balance went up to the original amount. I have contacted Edfinancial by email multiple times and they say they are looking into it. Loan repayment starts soon and I still " owe '' the original amount. I have evidence of the payment I made, as well as evidence of EdFinancial acknowledging my payment.
Product: Checking or savings account

On XX/XX/2023 I received a wire for {$15000.00} when the wire was received I went to wire the money to another party in US Bank called me from the fraud department and shut down my account immediately. I was told within XXXX hours a letter will be mailed to me explaining that the end of the relationship it is now XX/XX/XXXX. I am yet to have any letter and they are still with holding my funds. I spoke to the supervisor. He said that hes not allowed to speak to me cause Im no longer a client and that I would have to wait up to XXXX calendar days for my funds. There was no fraud that occurred at all in the money can be proven from the sender. US bank is holding my money, which they have the right to close my account and in the business relationship, but have not sent me any type of formal letter and they said I can wait till XXXX or XXXX at the latest. This was on a recorded line. I am requesting that US Bank release my funds as my account is still active on hold, and I have automatic payments that are bouncing left and right that are starting to affect my credit due to the fact that theyre withholding all my funds to my name.

US Bank does have the right to close accounts but I do have the right to be notified within a timely manner in a form of US mail since electronic mail is. No longer available because they have shut down my accounts but my account is still active within the bank.

There has to be some type of legal remedy and a letter that must come to me stating that my account is on hold under review, etc. etc. instead US Bank send you directly off the line stating that the department that is reviewing it and closes it will not be available to speak to anyone as they are in a secure environment I want my funds released in a form of a cashiers check his promise, and I have not received one letter or any type of communication, and when I asked for my balance, they said I could not get it because theyre not allowed to disclose it because Im not a client where are my funds
Product: Checking or savings account

{$9500.00} was taken out of my Bank of America checking account via bill pay to another Bank of America Credit card owner 's account on XX/XX/XXXX. 

I noticed the mistake or fraud charge against my account on XX/XX/XXXX. I called Bank of America and reported the charge the same day. I was told to wait 10 days for a response. I called back 10 days later and was told my claim was denied due to it being filed to the incorrect department. It was supposed to be sent to the electronic bill pay department. I was told it was resubmitted to the correct department. 

I called again on XX/XX/XXXX to be told that my claim was closed due to there being evidence that I submitted the payment from my phone. I did not submit any such payment.
Product: Checking or savings account

XX/XX/XXXX submitted paperwork to close deceased parents ' account and have funds come to estate. Won't let you do anything electronic, will only mail the check! XX/XX/XXXX XXXX closed account and sent me letter stating check coming in mail to follow in " XXXX XXXX XXXX  days. '' No check arrives, so I call on XX/XX/XXXX and am told I have to call when it has been XXXX to XXXX business days from the check being mailed ( which they can't tell me when it was mailed, just that account was closed XX/XX/XXXX ). XX/XX/XXXX still no check, so I call and am told by " XXXX '' that it has to be XXXX days, which is a lie, and she was very uncooperative, so I tried to contact a supervisor but the hold time was too long. Call back at XXXX pm and on hold for XXXX minutes waiting for an agent, then disconnected. Call back again, same hold process, finally talk to someone semi-competent who gets the account number then boom - disconnected again. It is like a ploy to wear you down. Call again, finally get " some '' help ( total phone call this time is XXXX minutes- just ridiculous! ). Told the check was actually cut XX/XX/XXXX and now all they can do is send me an Indemnity Form to fill out ... by MAIL. Again, the method by which the first check was lost. I have my doubts there ever was a check sent as all this runaround means XXXX makes money off the funds while we wait. So I have to wait for this form to come in the mail ( whatXXXX XXXX XXXX XXXX  days I suppose ), then return it, then maybe they will deign to mail me another check... which is ridiculous as no one else sends XXXX digit ( near $ quarter XXXX ) via the US mail. They give you no other option, and they don't care if you wait forever as they still have the money ( long as no one cashes the " lost '' check ) and continue to make money off it. All a racket to put money in their pockets.
Product: Credit reporting or other personal consumer reports

I was alerted that my information was compromised in the XXXX XXXX XXXX, Delete these off of my credit report immediately as I am a victim of the XXXX XXXX XXXX.
Product: Consumer Loan

A vehicle I had leased through Chrysler Capital was wrongly repossessed without warning though I had no overdue payments and had already received, signed, and returned a lease extension authorization, extending my lease until XXXX XXXX, XXXX. My car was repossessed on XXXX XXXX of XXXX, despite multiple phone calls from/to Chrysler ( from XXXX XXXX ) stating that my lease extension agreement had been received signed and that I had " nothing to worry about. '' The wrongful repossession appears to be due to Chrysler 's inability to communicate between departments and technical deficiencies on the part of Chrysler to access their own documents. I was given verbal confirmation, multiple times, that there would be no penalty for extending my lease, and then my car was repossessed without warning. Had Chrysler told me anything different I would have been glad to return the car on the date stated on my original lease agreement, but instead they took the car and sent me a bill for over {$20000.00}. I am young and just getting my career off the ground and this may severely damage my credit, though I never missed a payment and was in constant communication with Chrysler toward the end of my original lease date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and Transunion are incorrectly reporting that I am ( 120 plus ) days late on the DEPTEDXXXX accounts. ( Please see page attached from my credit report, along with a spreadsheet with account details, as well as a copy of my Drivers License and Utility Bill for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX  XXXX XXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without Delay.
Product: Credit card or prepaid card

I own a small business and, our business has been using US Bank Credit Card for over 10 years. Our company has always paid the full balance or the minimum balance required by the credit card terms and conditions. However, our business took a downturn in XX/XX/2016 with unexpected drop revenue and change in the market place. 

We haven't been able to recover thus we have not been able to make the full payments to the credit card. 

Since XX/XX/2016 the US Bank Credit Card started to increase our interest rates from 13 % to 24 % APR. and 29 % APR thus costing us a lot more to make the minimum payment and sequentially our ability to eliminate the debt. Furthermore, they allowed our credit card to go over the {$6000.00} credit limit causing our account to incur additional fees per cycle. 

I spoke with the credit card stating we didn't want our credit to be expanded if we didn't have any additional credit and also to return the {$39.00} fees assessed to our account and Indeed they did. however, they continue to add the fee each and every cycle. 

First, we have paid our credit card for the last 13 years. We should not be penalized our interest rate increased 10 points on the Apr. It's simply unfair and predatory. 

Second, if the credit granted we should not be charged the recurring {$39.00} over the limit fee. In both instances, it not because we are not paying our bill on time it is simply trapped to charge our account additional fees. 

I would like a comparable credit to our account our ability to fairly negotiate the debt so we can move our business forward. 

sincerely XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt collection

In 2020 I fell into financial ruin due to losing my job on more than one occasion. I also had to move out of my parent 's house during the COVID lockdowns due to a very toxic and unhealthy living situation and a XXXX  XXXX issue. When I moved out of my parent 's house, my bills more than tripled and I was unable to afford to pay all of my bills which led me to only pay the essential bills first. I collected unemployment and got government assistance for food, energy, and Wi-Fi.
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 proce 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 19. 
financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you adjust this suspicious data. 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 don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

Really appreciate your help! 

Not that it matters, but I've had my identity stolen a few times. Great. 

I'm trying to file a dispute for another identity stolen/collection that's not mine. For the 5th time, I try to connect with Transunion & XXXX via ( calls and web portal ). 

1 ) Transunion Via online, I'm met with this message : XXXX We appreciate your patience while we resolve this issue. 

What to do now : Please try again later. 
If this problem persists, please contact our Website Access Support team. 
If this problem persists, you may want to wait at least one hour before trying again. 
XXXX Via the phone, I'm met with infinite call wait times, and a system that DOES NOT HAVE A CLEAR DISPUTE RESOLUTION NUMBER OR NUMBER TO SELECT. 


2 ) XXXX When I try to initiate the dispute online, I'm told to call XXXX. When I call, I'm met with another automated voice system that DOES NOT HAVE A DISPUTE OPTION OR NUMBER TO SELECT FOR MY DISPUTE ISSUE. 



So, I can't even initiate disputes with Transunion & XXXX for Fraud, Collections, and having my identity stolen which is killing my credit score. 


Thanks, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I complained via letter to TransUnion about violating the fair credit reporting act and several consumer laws on the behalf of myself. They claimed it as a credit clinic/ Credit company which was false. All of my personal information needs to be disputed, along with the repeated charge off, collection and several hard inquiries. Ive complained to the XXXX as well. Proof attached.
Product: Checking or savings account

On XXXX XX/XX/2023, I opened a high yield money market savings account with Vio bank. I am a military member overseas and XXXX while convenient for military members does not have decent interest rates so I wanted a supplementary account for my accessible savings that would make more interest. I got a notice on XXXX XXXX that my account was ready to go. I funded it with a {$1000.00} transfer from my XXXX account, and when I got paid I scheduled another {$5000.00} transfer. I received an email on XXXX XX/XX/2023 that the transfers failed because " The account you are transferring to can not currently be used for transfers '' according to an email. I tried to log in but it said my log in did not work and to contact customer service. I tried to call, but since I am overseas, the time difference makes it difficult to call during their opening hours. I emailed, and they told me to call. Today I received an email that my account was closed with no explanation. I stayed up late to call the bank and try to figure out why and they said they closed it per their terms of service and would be providing no further information. I requested to speak with a supervisor and they said one would call me, and then hung up on me. While I was on the phone with customer service demanding information, I said this better not impact my flawless credit history just because they closed a bank account with no explanation. I can not imagine what could possibly be the issue other than I am a military member overseas. I have my home of record in Iowa at the house that I own and maintain a residence. We are in XXXX under orders pursuant to the XXXXXXXX XXXX XXXXXXXX. It is not like we are expats. I wanted this account so my savings could actually make some money for once but after dealing with their awful customer service, really all I want is to make sure there is nothing negative on my credit history just because they refused to let me transfer money to a bank account they approved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is in violation of the Fair Credit Reporting Act as they are currently reporting both Transactions and Experiences which is EXCLUDED on consumer reports. Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). They are reporting XXXX late payments and a balance of {$390.00}. I have also sent a notice to the consumer reporting agencies about this erroneous information to which they have not complied to the procedures and requirements of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries within the last few weeks that I did not authorize. One for XXXX and the other is for XXXX card services both take place in XXXX XXXX 2019. I went to XXXX but they did not see anything on file for my name. 2 hard inquiries within a couple of weeks that i did not authorize leads me to believe that I am a victim of fraud.