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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Product: Debt collection

I do not have any knowledge of this account from XXXX XXXX XXXX XXXX. I sent a letter specifically requesting to have the account validated and the proper validation was not sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian and XXXX did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts, CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give any authorization for any of theses companys to share my personal information. 

This is a violations of my privacy.
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 comsumer rights to privacy and confidentiality under the law 15USC 1681. 

Accounts : SXXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX BANK account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights According to 15 U.S.C 1681 ( a ) ( 4 } : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also 15 U.S.C 1681b ( a ) ( 2 ) : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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.

I did not give written consent for my report to be shared, also I didnt authorize these accounts on my consumer report. I have since filed a Identity theft with the Federal Trade Commission concerning these accounts.
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Correction of Reporting Errors : Upon reviewing my credit reports, I was alarmed to find significant inaccuracies related to late payments on accounts where I have consistently made timely payments. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally obligated to ensure the utmost accuracy when reporting consumer information. I have never missed a payment on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting a prompt and thorough investigation into these discrepancies. This investigation must be completed within four days, as required by the FCRA. You are obligated to provide clear evidence, such as detailed account records, supporting the claim of missed payments. If no such evidence is provided within the given time, I expect an immediate correction to reflect my payment history accurately, in compliance with FCRA Section 611, which demands both accuracy and completeness in consumer reports. 

I have always met my payment obligations on time, and I will not accept any inaccuracies on my credit report. Please address this matter without delay.
Product: Checking or savings account

I have checking and savings accounts with Citibank, XXXX XXXX and have been a banking customer of this institution since XXXX of 1999. 
Every year I am subject to a thorough KYC review, which I would expect and consider totally normal.

What is abnormal is the cadence and number of calls I receive from the Citibank KYC team, often asking the same questions on multiple occasions. This year alone Ive received four or five calls, each lasting 30-60 minutes in duration- this is bordering on harassment. Each of these calls starts with a threat that my account will be frozen if I dont satisfy the banks KYC requirements. 
I understand the importance of KYC regulations, but feel I am being taken advantage of and harassed by this institution.
Product: Credit card or prepaid card

In XX/XX/XXXX I contacted Direct Express about charges that I did not make. I opened a fraud case XX/XX/XXXX. I sent all the documents that Direct Express asked for in the allotted time frame.
<P/>
I received a letter from Direct Express on XX/XX/XXXX saying that my claim had been processed and deemed a fraud and the funds were returned to my account.
<P/>
On XX/XX/XXXX three debit adjustments are in my transaction history. My account is in the negative XXXX  This is because one of the merchants is fighting the fraudulent charge. A young lady on what you call the second tier of customer service told me that my case was reopened and that they did n't need to notify me.
<P/>
I asked when I would receive another determination the young lady told me that they do n't have to send me anything to tell me about the funds being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft pleas e remove this fraud inquiry from my credit report.
Product: Mortgage

My wife and I have been working with NACA ( Neighborhood Assistance Corporation of America ) to buy a home. I had quite a few issues with communication and our first housing coordinator. I requested a new one after being told that we going to underwriting and communication stopping. I climbed the ladder with phone calls and emails and after two weeks was assigned a new counselor. He pulled my work history, and more duplicates of financial documents that i have submitted multiple times, gave me a housing price and told me we were going underwriting. He has said he would call, which was last wednesday, and I have called multiple times to see if they need anything else and to see if we made it to underwriting. No one has returned my calls, or emails. The file does not have notes as everytime I talk to a customer services representative, they say their are no notes. I have submitted over XXXX types of financial documents and upset that I have been jumping thought hoops since XXXX, paid XXXX dollars in fees and have no answers
Product: Credit card or prepaid card

I took advantage of a 0 % Transfer rate for 12 months. I still had other existing balances on the account that had a 19.74 % rate. I assumed that all payments I made would go toward the " highest rate '' balance.I recently questioned them because I believed I had paid off the entire balance. 

XXXX XXXX, XXXX XXXX % Balance {$3300.00} XXXX XXXX, XXXX Paid {$3200.00} XXXX XXXX, XXXX Paid {$300.00} I assumed that balance would be {$0.00}. My XXXX XXXX, XXXX statement shows XXXX XXXX, XXXX 19.74 % Balance {$1800.00} Even with the minimum payment of {$300.00} not being applied, how can my balance be {$1800.00}? It just does n't make sense! 

Please help. 

On the Frequently asked Questions, it has a response to how are payments applied. 
It states " Payments above your Minimum Payment due will generally be applied to your highest rate balance first '' That 's it!! Why does n't it state what it does ... minimum payments will be applied to the 0 % offer balance and any amounts over will then be applied to the highest rate. I 'm disgusted and ca n't believe Bank of America allows this to happen. I 've been a loyal customer for 30 years and I ca n't imagine the total interest they have charged me over the years because of this.
Product: Debt collection

XXXX XXXX  XXXX is reporting debt on my credit report i have sent numerous debt validation letters their attorney once responded with a contract with a signature and everything else on the contract is incorrect such as the date the debt occurred the amount of debt the type of debt absolutely nothing matches they say its a credit card debt but sends me documentation for a secured loan i have attached supporting documents from what was sent previously
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute I have with Equifax regarding incorrect information on my credit report. On XX/XX/XXXX, I initially contacted Equifax concerning the following inaccurate information on my credit report. As of the date of this letter, I have not received any response from Equifax regarding this matter. Here are the details of the erroneous information and the requested corrections : Account Information : Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$25000.00} I want to emphasize that this account does not belong to me, and I hereby request that Equifax remove it from my credit report as per the Fair Credit Reporting Act ( FCRA ) guidelines.
Product: Debt collection

I received a Bill from collections from a company called Capio Partners in Texas about an account they said I owed. I didnt recognize the bill and I told them didnt owe it on the phone on XX/XX/XXXX. I sent them a debt verification letter. They eventually got back in touch with me and gave me an itemized bill. I used the information on that bill get ahold of XXXX XXXX the original creditors. they told me they had no medical records of me. Absolutely nothing. Even with using my Social security number, DOB, and address, nothing. I was told the Account number on the bill was XXXX digit off from being wrong as well. I contacted them by phone on XX/XX/24 and spoke with XXXX. Shes the one who confirmed it with me. She had doubled check with her support team on it as well. XXXX didnt seem like they didnt wanted to look into it much further. I was told on the phone that even with selling to collections they dont sell to Capio , and if I did have a collections bill with them being the original Creditor they would never delete my medical records. I had her confirm that XXXX with her support team. So my logical conclusion on this was, the bill definitely does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian failing to acknowledge documents receive from creditors involving identity theft. I have filed identity theft reports and sent them to Experian several times in the past. Recently, I receive documentation which excludes me from the following accounts XXXX XXXX XXXX acct # ending XXXX and XXXX acct # ending XXXX directly from the creditors. However, Experian has not complied and removed this information from my file. As, I have submitted all proper documents involving identity theft. I am reaching out to the consumer financial protection bureau to assist me in this urgent matter. I have been unable to purchase necessary necessities due to Experian mishandling my credit file.
Product: Consumer Loan

I purchased a XXXX XXXX from a well known nationwide dealership and because I needed financing American Credit Acceptance agreed to be the lender. While attempting to make the first XXXX payments online and over the phone the aforementioned lender had major difficulty processing a credit card payment. It literally took XXXX phone calls for XXXX payment to be processed. Several days after going through similar issues with the second payment, I received several calls and voice messages the week of XXXX XXXX from American Credit Acceptance. I returned the call just to be told by one of their reps that the company no longer accepts credit cards as a payment option. Is this legal? What 's my recourse, if any? Can a merchant in the U.S. all of a sudden stop taking credit cards? Can the consumer be forced into using payment options such as XXXX XXXX and XXXX XXXX? I use my XXXX XXXX XXXX XXXX XXXX for the points/rewards and it 's the only credit card I own. If they ca n't accept credit cards then I prefer not doing business with this organization. Please Advise.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX 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 Account Number : XXXX Account Name : 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

Was not investigated properly all that was said was information was verified showed no proof of verification or validation they sent me nothing other than just saying it was validated. I have issued the disputes multiple times and the second and third time they just automatically declined the dispute on the following accounts XXXXXXXX XXXX accounXXXX XXXX XXXX XXXXXXXX for {$600.00} XXXX XXXX XXXX account # ending XXXX for {$460.00} They refuse to give me any information on the validation or any paperwork to prove their investigation. Just saying it's validated isn't an acceptable response. The accounts on my report literally showed no information about the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help to get my debts removed
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, XXXX XXXX came and purchased my couch for {$100.00}. She paid me through paypal. 10 days later she disputed the transaction through her Visa debit card that she did not receive the couch. The bank opened a dispute with Paypal and the {$100.00} was taken out of my Paypal account. 

I have videos and proof that she took my couch. XXXX is not denying it and sent me a letter from her bank, XXXX XXXX XXXX XXXX that she lost the case. Paypal decided on my end that they are saying it was decided in the buyer 's favor ( XXXX XXXX ), but neither her nor I have the {$100.00}. Paypal also charged me a {$20.00} chargeback fee.

This is such a scam and fraud of Paypal. 

I have attached a letter that was sent to XXXX proving that she lost and that I won. Paypal is saying that I lost because I didn't have seller protection. I don't need seller protection when I have proof that the bank sided with me in my favor.
Product: Credit card or prepaid card

On XX/XX/17 my bank account showed two pending credit charges to a company called XXXX XXXX. Both Charges were in the amount of {$190.00}. I contacted Regions Bank and they canceled my card, but told me it would be awhile while they research the possible fraudulent charges. So, two days before XXXX I have no money. I contacted the company and they said they were able to catch and cancel the fraudulent charges and issued a refund. Called Regions back and they told me they dont issue conditional credits while they research and there is nothing they can do until the investigation is complete. We spoke to a customer manager, XXXX XXXX, but when we called back we couldnt be reconnected to her for some reason. This does not seem fair or correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries currently showing and listed on my XXXX, XXXX and Trans Union credit are unauthorized and not my hard inquiries : XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Total Select, XX/XX/XXXX, XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that do not belong to me
Product: Debt collection

PLEASE REMOVE THAT COLLECTION ACCOUNT FROM MY REPORT, SOURCE RECEIVABLES MANAGEMENT IS NOT ALLOWED TO COLLECT ANY MONEY IN XXXX.

Source Receivables Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also according to Family Educational and Privacy Rights Act ( FERPA ), it prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of the student, or, if the student is a minor, the students parents. ( 20 U.S.C.S. 1232g ( b ) ).
Product: Checking or savings account

Unable to establish an ACH link with my brokerage account. XXXX
Product: Debt collection

On XX/XX/XXXX, at around XXXX, I spoke with a customer representative from Southwest Credit System XXXX number XXXX location XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX TX XXXX, and I asked if they could explain to me what the debt said for XXXX XXXX I asked where they said in Connecticut, and I asked when they said the debt was from XXXX. I stated that I wanted a debt validation letter, but they refused one. I explained to them that my Identity was stolen and that the debt was not mine. They took my social so they could find my information. They ask me how would I like to pay I stated I will not pay a debt that I am claiming that was due to identity theft. I then I spoke with XXXX and I said to them that somebody stole my identity and that I been having service with them but in a different state. The XXXX took my Identity theft report and is still investigating. The company called Southwest Credit System had an awful review, and they stated that all the information I gave them was going to be used to get the information to collect my debt. This company reported XXXX debts in my XXXX credit report and has not contacted me once to confirm this debt with me in writing or by phone. I still don't know what is the second debt for. This company review are at a XXXX XXXX  from all the costumers
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 the appropriate redress for these violations
Product: Debt collection

XX/XX/2018 I sent a debt validation letter, they were unable to validate my debt even after 45 days!!! Instead they sent me an attempt to collect debt.
Product: Money transfer, virtual currency, or money service

I filed XXXX claims for being scammed for a total of {$1000.00} on XX/XX/XXXX. I never heard anything back from Zelle and when I called they said that they couldn't provide any information.