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

I received an email from a service, XXXX XXXX XXXX, associated with AMEX. I have a credit card with AMEX and apparently AMEX does business with this " XXXX XXXX XXXX. '' My XXXX XXXX sent me an email " alert '' stating that my " Address associated with my social security number has been changed. '' I was not aware of this service XXXX XXXX XXXX  until I received the email, which had AMEX 's logo all over it. There was a phone number in the email and a hotlink to click to " Log In. '' I know better than to click on a hotlink in an email so I called AMEX fraud and she told me the notice came from XXXX XXXX XXXX who is the agency AMEX does their credit protection and reporting services through. She verified the phone number to call XXXX XXXX XXXX which was the same number in the email I received. That is the number I called today and I spoke with " XXXX. '' She said my social security address was " associated with an address In XXXX VA. Have you been to or lived there? '' I said I had visited there but what did she mean associated with my social security number? '' She could only repeat " associated with. '' Once I realized this whole thing was a marketing ploy using scare tactics about an address change that didn't actually happen I asked to speak to a Supervisor. She, of course, stated that no supervisor was available. This type of scare tactic marketing should, in my estimation, be illegal and a finable offense. I hope the FTC follows up with AMEX and XXXX XXXX XXXX. The number is XXXX for AMEX " Credit Bureau Unit '' which connects you to XXXX XXXX XXXX or XXXX which is the number that was in the email I received which also connects to same line and prompts at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, and XXXX, I have paid {$1000.00} toward my only cc ( XXXX XXXX MasterCard ). I owed over XXXX on this card with a XXXX balance in which I barely used without being behind. I paid a total of {$3000.00} in less than a 30 period, which is now slightly over {$2600.00} as to be owed as of XXXX. Capital One is the only cc that can sink me or take my credit score to another level. I have no current collection or home loans that can hurt my credit status. However, I been thru this before with Equifax whereas they tend to go the opposite way when updating my credit score, and XXXX and XXXX  will go up ( in late XX/XX/2020 ). XXXX  went up XXXX ( XXXX XXXX XXXX ) and XXXX  ( XXXX XXXX XXXX  ) also went up XXXX. Equifax went down XXXX when all three credit bureaus were updated as of XXXX. No matter how much I pay on this card, Equifax is the only credit bureau that tends to decrease my credit score, not really motivating a user to pay off a debt. Once again, I need to know if Equifax is calculating and seeing all the payments being posted to my only cc, or just giving out a number to users thinking that we are not really concerned or watching their version of a credit score. What does it take for Equifax to investigate their software that calculates and gives out a false credit score to those that are paying more than the minimum payment in less than a 30 day period??? According to the other two credit bureaus, my score should be an average of 690+ and XXXX  for Equifax alone. I need Equifax to factor in my last 3 payments of {$1000.00} in less than a 30 day period and give me a realistic updated score of at least 695 please. CFPB, please investigate and reply back with status.
Product: Checking or savings account

At XXXX XXXX  on Monday, XX/XX/2021 I saw a amount of {$1.00} deducted from my checking account by a XXXX, XXXX, via a transaction. I called Bank of America customer service that evening and was told that the charge had been reversed because the bank recognized it as a FRAUDULENT transaction that should not occur again. 

THIS IS A FRAUDUDEULENT TRANSACTION I HAVE NOT GIVEN MY DEBIT CARD NUMBER TO THIS ENTITY. IT IS A FOREIGN ENTITY, AND WHEN I WAS ABLE TO OPEN THE TRANSACTION, THERE IS NO PHONE NUMBER. I CAN NOT CALL A FOREIGN COUNTRY EVEN IF A HAD A PHONE NUMBER. 

On Wednesday XX/XX/XXXX, I saw another transaction from XXXX, XXXX, for {$11.00}. I called Bank of America customer service and was told that the bank had neglected to place the entity XXXX, XXXX, on a fraud list to prevent additional transaction. The transaction was processing, so I could not dispute it myself, nor could I see any information about the source. 

I CAN NOT USE XXXX BECAUSE I HAVE AN ANLOG TV. I DO NO KNOW WHO THIS ENTITY IS. I HAVE NOT GIVEN NT DEBIT NUMBER TO THIS FOREIGN ENTITY. 

On Wednesday I requested my debit card be cancelled. It was supposed to arrive on Friday, XX/XX/XXXX. I still do not have a debit card on Saturday, XX/XX/XXXX. 

On Friday, XX/XX/XXXX, the {$11.00} transaction had posted and there was a second transaction for {$.00}. 

When I tried to call customer service on XX/XX/XXXX, they refused to take my calls because I did not have my new debit card. I did not have the new CVC, so they refused to validate me. They asked for my passport number, my 9 digit Federal ID, etc., treating me with disrespect and refusing to do anything to protect my account from unauthorized withdrawals. 

On Wednesday I requested my debit card be cancelled. It was supposed to arrive on Friday. As of Saturday am, I still have not received my new debit. When I try to call customer service the phone system demands the pin on the new card I have not received. Therefore any phone calls to customer service are treated as a fraud. 

THE BANK WILL CONTINUE TO ACCEPT FRAUDULENT WITHDRAWALS from my account because it has decided that I myself or a family member has given my debit card number to this entity. 

BANK OF AMERICA IS NOT PROTECTING ME FROM FRAUDULENT TRANSACTIONS. ITS CUSTOMER SERVICE REFUSE TO ACKNOLEDGE ME AS A CUTOMER, HANG UP ON ME, AND HARASS ME WITH ENDLESS QUESTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is related directly to Flagship Company who I am in a current contractual agreement with regarding my vehicle. On XX/XX/2020, I called in and spoke with XXXX who is a manager in  collections provided a verbal authorization for a 1 month deferment for my XX/XX/2020 payment ( which would be 14 days past due at the time ). Upon calling to make my XX/XX/2020 payment on XX/XX/2020 I was advised that I was still due for the XXXX payment. I informed that although the verbal authorization was notated on the account, the required paperwork was not sent out to me to complete the deferment. I would have no indication of that just being a borrower not an employee and in regards to speaking with a manager I would have thought that all the necessary requirements were completed. Due to Flagships negligence, I received a 30 day marker for my XXXX payment in which I have never been late on the account since I've obtained the loan. I feel that because this is an error on Flagships part in regards to NOT sending the required paperwork, I should not be penalized because the ball was dropped on their end. This 30 day late marker has impacted my credit report tremendously. I hope that you will take the time to review my request and find it have this corrected expeditiously.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to DATA BREACH AND XXXX XXXX XXXX XXXX, which falls under the law 15 USC 1681c-2 ( a ). '' and XXXX according to XXXX XXXX Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of data breach and XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts and inquiries to de delete with company information XXXX, XXXX, and Experian. Please delete the following accounts and ANY and ALL inquires associated with the 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
Product: Debt collection

I ported my phone number out of XXXX and moved to XXXX XXXX XXXX. I did this the day of my bill being due for the next months cycle. When I called to dispute the {$94.00} bill, a polite female representative from XXXX told me I had a {$94.00} bill due for next month, but she decided she was going to wipe that since It's the day it was due and my number had already been ported out, and in her words said something along the lines of " I'll give you a break ''. I was very thankful. 

That day of I lost access to my XXXX online account, the area where I'd see my bills, pay bills and manage anything I had to do with XXXX. 

4 months later I see a derogatory remark on my credit report that this bill was actually not removed like the XXXX representative, but in fact kept secret from me and sold to a debt collection agency. XXXX made no effort whatsoever to reach out to me to try and charge me for this bill and instead went straight to debt collections, all while I assumed it didn't exist. 

I disputed with XXXX, 2 days later it was removed from my credit report. 
I disputed with XXXX, 4 days later it was removed from my credit report. 
I disputed with XXXX, 14 days later they concluded that the debt was legitimate and will not remove it. 

I've been on calls with Amsher debt collection, XXXX and XXXX wasting hours and hours of time trying to resolve this to no avail at this point.
Product: Money transfer, virtual currency, or money service

A friend accidentally sent XXXX dollars to my old cash app account. I no longer have access to my old phone number or debit card associated with that account. I contacted cash app support and they told me I have to answer some security questions. One of my answers was wrong but they wouldn't tell me which one. This was an old account and I can't possibly remember everything exactly. They closed my account and did not give me my XXXX dollars in the account. I asked for them to send the XXXX back to original sender. At first they said yes but then back tracked. Cash app basically stole XXXX dollars from me. Since the account is closed and the money not refunded the only one that has access to the funds is cash app.
Product: Checking or savings account

My bank - OHIO SAVINGS BANK - part of New York Community Bank - put a flag on my account regarding my change of address - problem is - 1 ). I already changed my address with them 7 months ago and have been receiving statements at my new address and doing all my banking this entire time, 2 ). they froze my bill pay and ATM and never told me in advance - I found out when I tried to log on to my bill-pay!!! this happened approximately XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. you are in violation and this needs be addressed immediately. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as Equifax conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Equifax, XXXX, or any furnisher of information to credit agencies to share my personal information. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution. 

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and Equifax and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e. 

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Debt collection

XXXX XX/XX/2016 Collection was reported and placed on consumer credit report. Several attempts have been made to get company to report correct information, but all cooperation with that company has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

This refers to my previous complaint # XXXX regarding the repulsive treatment I received from TransUnion when requesting to view my credit reports online against my better judgment. The reason for this was my inability to obtain a telephone number where I could speak to a worker in my own country from hostile and rude overseas workers. I almost became sick when I read the ridiculous and slovenly response of the company who seemed to not comprehend my complaint. I was totally disbelieving of their removing my extended fraud alert. I responded to CFPB that none of the issues I mentioned were addressed and the horrible people of TransUnion REMOVED MY EXTENDED FRAUD ALERT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I demand that they replace MY EXTENDED FRAUD ALERT on all 3 credit reports from the 3 reporting services 1-TransUnion 2-XXXX  and 3-XXXX. They only made matters worse since I have gone through XXXX since my identity was stolen from my lawyer 's data base! This has been a 13 year nightmare. I will need the three credit reporting agencies to replace the extended fraud alert and send 3 corrected reports with the fraud alert clearly stated on them. There is no excuse for this confusion and never ending nightmare. Until I receive my 3 annual credit reports with the fraud alerts I will continue to file complaints. If I have to contact the president himself I will do so with this example of how something which should be fairly simple can become a long and torturous exercise in futility. As far as the original issues, I just give up-these agencies will never change. God bless America
Product: Credit reporting or other personal consumer reports

I applied for credit ( see attached ) and was denied. Wondering why and fearing the worst which no longer takes me by surprise or anyone for equal measure, I ordered a credit report and realized that XXXX and XXXX had information not only incomplete but inaccurate and reckless on my report, you ( EQUIFAX ) not only furnished creditors with inaccurate payment history but reporting addresses that seem completely made up and inaccurate but names I do not recognize or authorized anyone with a signature nor consent to use in place of what my name is I and attorneys ( standing by, see attached ) consider fraudulent on your part. Please be advised that under section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. Also, 15 US CODE 1681e ( b ) whenever a consumer reporting agency prepares a report, it should follow reasonable procedures to assure maximum accuracy of the individual about whom the report relates. I have suffered enough, my children, one of which is impaired have gone through housing, food, travel and humiliation at the hands of agencies that have taken and made a business out of peoples lives, where the most money is made from situations like mine. I AM BEING AS TRANSPARENT AS POSIBLE BY SHOWING ALL MY CARDS ( see attached ) I am doing this in anticipation of years of back door behavior played by credit reporting agencies. ENOUGH! We are not looking for luxury or unnecessary comfort but it would be nice to get funding as I know I deserve, to simply make a XXXX XXXX I bought with all my savings ( {$5000.00} ) and make it into a XXXX. I registered the XXXX  business, confident, I applied for a XXXX card to finally move my store to a brick and mortar instead of from home and only got approved for a {$1000.00} ( XXXX XXXX ). Almost did not even get that because they could not verify me, also had to beg for reconsideration. I had too many addresses and names that contributed to their criteria with respect to lending to someone without some stability. NOW I HAVE A XXXX XXXX I BOUGHT WITH ALL MY SAVINGS, A REGISTERED BUSINESS, MATERIALS I CAN NOT GET FUNDING FOR, NO MONEY, AND A SIMPLE DREAM FOR MY SELF AND KIDS FUTURE TURNED TO NOTHING. THANKS FOR INACCURATE REPORTING, UNVERIFIABLE REPORTING AND DESTROYING LIVES WITH A CLICK OF A BUTTON. SEE ATTACHED AS I OFFER YOU AN OPPORTUNITY TO RE-INVESTIGATE BEFORE LITIGATION. I AM GOING TO ASSUME THAT THIS WAS HUMAN ERROR WITHOUT MALICIOUS INTENT AND THAT YOU WILL TAKE PHYSICALLY LOOK at my situation and not using E-OSCAR RETURN MY LIFE BACK. I want contact information, process used in writing. If this matter is not resolved immediately, consider this our last communication until litigation ( see attached )
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operations run by XXXX XXXX - XXXX which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( XXXX ).
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and noticed several inaccuracies on my account. These inaccuracies are affecting my ability to obtain credit. I understand that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the placement of discharged bankruptcies that were placed on my Credit report with XXXX, XXXX and TransUnion on XX/XX/2023. After nearly a month in a half later, XX/XX/2023, these items weren't removed as requested due to them verifying that the information of these items were obtained by the Courts. However after notifying the courts and inquiring about the accuracy of them ( the courts ) providing this information, the courts informed me via certified letter that they indeed did not disclose my information to be utilized by any credit bureau or secondary entity.
Product: Credit reporting or other personal consumer reports

I am constantly receiving promotional and preapproval letters in the mail even though I have opted out of receiving any type solicitation from companies that I don't wish to do business with. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain a company 's product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. They always send correspondence that says Under the Terms and Conditions When we solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. Per 15 U.S.C. 6802 ( a ) ( b ), The credit agencies have failed to send me any form of notices giving the opportunity to opt out of any access they are giving others, more specifically their affiliates that they are allowing access to my non public personal information. As to the claim that my credit score isn't affected, that is wholly untrue as every soft pull takes away a point. In addition when my SSN is hit for any type of inquiry and I do not receive anything in return, that is securities fraud because the company is trading on the secondary market with my information that is being sold to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK/XXXX Last reported : XX/XX/2019 {$36000.00} THIS ACCOUNT HAS BEEN PAID IN FULL /XXXX BALANCE.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. 
I am requesting immediate corrective action to remove or amend the following disputed accounts, as Experians inaction violates federal law and my rights as a consumer : Collection Account : XXXX XXXX XXXX, Opened XX/XX/XXXX, {$2400.00}, Collection Account Credit Cards : XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Paid, Closed Personal Loans : XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX, Paid, Closed Please update my credit report promptly to reflect the accurate status of these accounts. I expect your immediate attention to this matter, as any further delay is a violation of my consumer rights under the FCRA. 
Thank you for your cooperation.