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

I filed a bankruptcy in XX/XX/2010. I included a mortgage with XXXX XXXX XXXX in that Chapter XXXX bankruptcy. The debt was discharged in XX/XX/2010. 

XXXX XXXX has left this item on my file for 8 years simply as a " charge off ''. I filed a dispute with the three bureaus to have this item updated as " included in bankruptcy '' and the status changed to " unrated '' as provided by federal law. 

XXXX  and XXXX  properly updated the record. But Trans Union simply changed the narrative to " reaffirmed '' ... ( the debt was NOT reaffirmed ) and left the status as a " charge off ''. Now it is possible an inexperienced clerk simply made an error making this " negligent non-compliance '' with federal law. 

XXXX XXXX - Account number XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1681 Section 602 A. State I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Checking or savings account

On XX/XX/XXXX I logged into the Capital One mobile app to verify my direct deposit had been deposited into my account. It was not. When I logged in there was a pop up that said Capital One was experiencing technical difficulties, no further details were provided at the time. I had to go to XXXX to find out that many customers were experiencing the same problem I was experiencing, direct deposit not being available. Capital One did not communicate anything with their customers until nearly XXXX that evening, other than a single XXXX post stating technical difficulties. They have been experiencing this issue for 48 hours as I write this on XX/XX/XXXX. On XX/XX/XXXX I spent approximately two and half hours on hold to talk to a representative at Capital One who had no additional information other than they are working on it. No idea when the issue will be resolved and no solutions or compensation being offered other than to waive reasonable fees. As it stands I am waiting for a deposit of {$1400.00} with absolutely no time frame in which I will receive it. Capital One originally said they expected to have this resolved by the morning of XX/XX/XXXX. It is XX/XX/XXXX at XXXX as I write this.
Product: Checking or savings account

On XX/XX/year> I deposited a cashiers Check made out to me from XXXXXXXX XXXX  where PNC put a 5 day hold on those funds. On XX/XX/year> after the hold was off the funds I did a wire transfer and on XX/XX/year> all my funds were gone from my 3 savings account with PNC. 
When I did a chat with PNC was told they extend the hold no information was given on why or when the hold would be removed. 

When I called PNC customer support on XX/XX/year> again was not given a reason why the hold was placed or when the hold would would be taken off. 
On XX/XX/year> I called the branch I mainly used and was again was not given a reason why the hold was placed or when the hold would would be taken off.
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX  Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXXXXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Product: Student loan

I was placed on administrative forbearance after applying for the Biden administration 's new SAVE plan. While I can understand this needing to happen for a month or two, it has been going on since XXXX. It's XXXX now. I'm being charged interest despite being approved for the SAVE IDR MONTHS AGO. I never once consented to being placed on forbearance and had provided all necessary information for the application, but it seems Aidvantage is more interested in keeping me in forbearance so they can charge me as much interest as possible. I don't know what else could cause such a lengthy delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 


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

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

15 U.S.C 1681C ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Product: Bank account or service

I opened a XXXX checking account based on an offer indicating that I would get XXXX thank you points ( apx XXXX dollar value ) upon meeting requirements. I met the requirements and confirmed XXXX separate times that I had the offer attached to my account and that I had met the requirements. 

After waiting nearly 4 months ( and paying fees ), I was told that I would not get the points because I was not targeted. This is ridiculous as I entered the promo code when creating account and confirmed with representatives that it was attached to my account.
Product: Credit card

I've consistently made sure payments on this account are timely, never allowing them to become overdue. I'm uncertain about the reasons for late payment remarks appearing on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 3 years ago I was hospitalized In could not pay you need bills and I was living with my parents for a month after for recovery. I had 2 XXXX XXXX cards,  That were marked 3 months late payments and my account was restricted and shutdown. When I finally got the opportunity I called them and they promised if I paid the full balance that day they would correct the late payments due to the situation and "unrestrict" my cards. I agreed paid both in full right there and requested 1 be cancelled and I would just keep the 1 card in total.  So they took my payments reassuring me they would be marked on time for the time I was in the hospital. Canceled the 1 card due to my request.  3 years later the other card is still restricted And they never marked either one paid on time like they had agreed . I have disputed this probably 10 to 15 times over the last 3 years I have called them multiple times over and over asking for supervisors writing letters and no one is holding up What I was told. I feel like I was taken advantage of by someone who wanted to get credit for taking a payment on a  Restricted accounts.  Today I called and they told me it's impossible for anyone to fix anything. I just want them to mark my payments on time like they promised on both cards.
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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2020, I received a written notice from Allied International Credit Corporation, which was dated XX/XX/2020, with no postmark regarding an alleged debt in my name from XXXX in the amount of {$150.00}. I immediately called AIC Corp. at XXXX and spoke with XXXX. XXXX asked me to verify my address, which I did. Based on this he was unable to pull up my information. He then asked for my email address. I gave him my email address. But once again, he could not verify my information. He told me to disregard this notice. However, when I raised concern around an alleged debt being in my name and sent to my current address, he was unable to provide any additional information or reassurances that this debt would go away. I asked repeatedly for something in writing that would inform me that he was unable to verify this debt, but he refused. I then asked to speak with a supervisor. After a few moments, XXXX came back and said that they sole supervisor was in a meeting and would only be able to call me back. When I asked for the name of the supervisor that he allegedly just spoke to, he could not provide it, and instead had to " look up '' the name of this individual. XXXX informed me this his supervisor 's name was XXXX and that he would be calling me back within the hours of XXXX XXXX and XXXX XXXX EST on XX/XX/2020 to the number that I called in from. As of this writing, XXXX XXXX   EST, I have not received a follow-up phone call from AIC. I wish to dispute this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another follow-up to previous complaints already submitted against Pentagon FCU ( Ref # XXXX and # XXXX XXXX. 

On XX/XX/XXXX, we received a letter from the Credit Dispute department, claiming that PenFed performs hard credit pulls on all joint owners to remain compliant with the USA PATRIOT Act. The letter does not explain why such a pull was not required for me, a white male, but was required for my wife, a non-white female nor does it explain why a soft credit pull is insufficient to verify the identity of joint owners, whereas it was sufficient to verify my identity as the primary owner. PenFeds feeble explanation for their action in no way justifies the clearly discriminatory and targeted manner in which they choose to attempt to remain compliant with Federal regulations. 

From this, we can only conclude that PenFed is doubling down on their previous discriminatory and targeted actions against protected classes ( race, gender, and country of origin ) and the relying on fraudulent explanations to cover up their discriminatory actions based on race, gender, and country of origin. They have now closed this issue without corrective action, despite having acknowledged their wrongdoing on record on multiple occasions and having previously stated that they would correct this error on their part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Consumer Financial Protection Bureau Dear CFPB Team, I trust this letter finds you in good health. I am writing to bring to your attention several concerning violations of the Fair Credit Reporting Act ( FCRA ) committed by Equifax, a prominent credit reporting agency. 

On XX/XX/year> a Bankruptcy Removal Letter was Equifax informing the credit bureau of the unverified Bankruptcy on my credit profile.

Per the FCRA 623 ( a ) ( 5 ), it is explicitly stated that If the Credit Bureau can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Despite repeated attempts to validate the information regarding a bankruptcy on my credit report, Equifax has failed to provide evidence of validation from the original creditor, thus violating this provision of the FCRA. 

Furthermore, as outlined in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Equifax is legally obligated to verify all accounts and public information posted on any individuals credit report. This verification process should include physical verification of the original signed consumer contract and/or judgments. However, it appears that Equifax has neglected to fulfill this obligation, resulting in the dissemination of unverified and potentially inaccurate information regarding my financial history. 

These violations have had adverse effects on my financial standing and have hindered my ability to access credit and other financial services. Therefore, I respectfully urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate measures to ensure XXXX compliance with the FCRA. 

Enclosed with this letter are supporting documents relevant to my case for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018, I was charged a {$10.00} fee by Ally Bank for my 7th withdrawal from my Savings account. This 7th withdrawal was an automatic sweep to my checking account to cover ACH debits coming out that morning because there were insufficient funds in my checking account to cover said ACH debits. However, I had ACH credits that posted subsequent to those ACH debits that would have covered the ACH debits the morning of XX/XX/2018. Since I had ACH credits in an amount that would have fully covered the ACH debits, I am requesting a refund of the {$10.00} fee I was charged. It seems to me that processing ACH debits before credits is a predatory " order of operations '' practice to squeeze the consumer out of more of his/her hard earned money.
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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Checking or savings account

First Citizens Bank offers a bonus when a checking and savings account is open, I completed the requirement on XX/XX/XXXX. No bonus yet. 
Well I called today and they insisted I would not be receiving the bonus after all. Very bad bank.
Product: Checking or savings account

I would like to express my dissatisfaction with the service I received from Navy Federal Credit Union. Over the years, I have encountered multiple instances where my accounts have been mishandled, and I strongly believe that this treatment has been influenced by XXXX discrimination. 

One recurring issue that I have faced is being locked out of my account on numerous occasions. This has made me feel like a criminal, as I am being punished without just cause. Additionally, I was wrongly accused of misusing my accounts due to a returned payment, which was promptly corrected. It is important to note that I had previously taken out loans with Navy Federal Credit Union. 

During a period of permanent account lock ( not closure ), Navy Federal Credit Union refused to allow funds in my accounts to be transferred to make card payments, resulting in late payments being reported. This situation left me feeling defeated and ultimately led me to give up, as it became apparent that engaging in a prolonged battle with them would be futile. 

I hope that Navy Federal Credit Union takes my concerns seriously and undertakes the necessary steps to rectify these issues. It is disheartening to experience such treatment, especially from an institution that is meant to provide reliable and fair financial services to all of its members. I am formally notifying them of a notice of suit and demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

GENERAL BUILDING XXXX : XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED!

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition.

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX | XXXX - {$360000.00} XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ( ALL BUREAUS ) XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX
Product: Checking or savings account

I like this bank and I am submitting a complaint because I was scammed using the " XXXX XXXX service. I already talked to my bank and they denied my claim but I was scammed because I never Received my items and I have messengers from the seller that he went back to my word and LIE to me. It was a console with games he was selling to me after I sent the money, he just went ghost on me and stop replying to messengers. I have attach an invoice showing the receipt and I have words from the seller he was lying to me. I recognized this was inconvenience and that is why I never again will use the " XXXX XXXX '' to make sales. I DO NOT have the money from {$120.00} dollars as I paid bills and am not currently working. I love this bank, but I really was scammed and will keep on doing this until I get the resolution that I want. I have been a loyal customer for the past 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex was helping with credit repair and kept my information and got a ACIMA account in my name that I wasnt aware of until it showed up on XXXX account