23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX of 2021, I contacted US Bank to get help with turning off withdrawals as bills were about be withdrawn and my assistant lost the pay checks and they have to be recut, and unfortunately unemployment had not been reinstated due to the unlawful cut off of payments. I had asked for solutions because I did not want to overdraft. In XXXX, I had become severely ill which has slowed down my functions, which I explained to them. 

XXXX XXXX, My account had become severely overdrawn and I needed help. I spoke with corporate via XXXX then a phone call. They were able to connect me to the local Regional Manager. My XXXX  account historically has never been allowed to surpass {$300.00} in overdraft before it declines transactions. My business account was different, It never exceeded {$1200.00}. I spoke with the Regional Manager, whom I explained my situation to that occured as a result of the pandemic. She proceeded to belittle me and tell me how to spend my money. I have auto order supplies for my business from XXXX, and she said if I watched how I spent my money and not shop so often. I stopped her right there because I was not calling a financial advisor, I needed a resolution to my issuer after trying to get help for 3 weeksr. I tried to do all the right things so I would not end up here. I focused on why the call is needed and trying to resolve the overdraft fees. She did have the fees removed, However someone changed my account type. 

In XXXX, I over drafted by one transaction due to a hold that was supposed to be released. With in 24 hours, I not only had over draft fees, I saw new fews that I have not seen ever on my account for over a decade. I did not know when I went to deposit another check, and found that my account was over drafted, again. This time I was being charged returned check fees on top of NSF fees. Every payment they rejected cost me {$72.00} in fees to US Bank, and then of course my billers charged me returned check fees 38 totally each rejection fee of {$110.00}. My accounts also supposed the {$300.00} threshold and I had turned off the option to allow over draft. Of course this time, they would not help me. I figured I could just hang tight since I had guaranteed money coming. Unfortunately, US bank Closed b both my accounts In XX/XX/2021. I only found out they were closed because the remained off my EILD which was going to help get back on my feet was rejected by US Bank on XXXX XXXX. Unfortunately, I still am waiting for the funds, since it auto restarts the process when banks reject. I was also finally going to receive Unemployment, But the same week as the loan, They tried to deposit and it was rejected. This issue raised red flags which them pushed my SBA loan and PUA in to fraud alert. Now again, I am still not well. It is now XX/XX/XXXX, I am still waiting for funds to get re-dispursed with no income and no money to pay bills or buy food as a result of someone changing my account type with out my permission at US Bank. I am unable to get the last 3 months of statements, which I have requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX XXXX in XX/XX/2019 for 3 days. On day 3 the school asked me to leave because I had a open court case and they were afraid that I might miss training time if I needed to appear in court, even after I advised them that my case was going to be dismissed, and I would never have to physically appear in court. After I left their school AT THEIR REQUEST, they placed a collection account on my credit report with XXXX XXXX XXXX XXXX in the amount of {$270.00}. The contract which I signed stated I would work for them for a specified number of months once I obtained my Commercial Drivers License, and if I left the company before that timeframe, I would owe them for the cost of my CDL training. However, I never made it far enough to begin training for my CDL with them, so this is a violation of the contract I signed.
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 15 USC-1681. 
XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX, XXXX Acct # XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX. Acct # XXXX Has all violated my rights. 

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

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without any written instructions.

15 USC 1681 ( 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.

15USC 1681 s-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 or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I understand that according to FCRA 605B, it's required to remove any inaccurate accounts from my credit report. Could you please take a look at the documents? I've noticed that several of the listed accounts seem to be incorrect, which is concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is still a fraudulent account listed on my credit report. I have disputed this information numerous times and yet this fraudulent account still remains on my credit report. I have submitted the FTC and all supporting documents. This is not fair to me that fraudulent information in on my report
Product: Money transfer, virtual currency, or money service

On XXXX ; XXXX, 2023 XXXX USD was paid to Paypal. It was debited from my account the same day. I tried for 3 full days to contact a real live person to speak with to explain the situation in full as to what trouble this had caused and thar the final result of Paypals lack of genuiine interest has left me an XXXX XXXX XXXX pensioner without something I depend upon for my health XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The end result being that because Paypal was not interested a shipment was made and because it was not made without any proper legal notice that never came to me the goods were delivered and left on the front door mat. and was never seen by me. I have a very short reply fom a person named XXXX '' and thios is what it says HYi Bud! Youv'e reached XXXX frrom Paypal managing team, Thanks for working withour automated Paypal assistent and providing your inforrmation. I acknowledgr that your time is valuxble and I can since the importance of this matter. Lets seee what I can do to help you. Upon reviewing your accouint I can see that the transaction that happened last XX/XX/2023 was already com, pleted. Rest assured that XXXX XXXX already received the money in his Paypal account. 

( This is a far cry from XX/XX/XXXX when Paypal received my money and never released it. 
Hopefully in the next few weeks I will be filing a legal complaint with http//www.consumerfinance.gov ) note : the above paragraph is my own personal comments that I sent to XXXX. The shipment did come finally but as said before no one had any idea at that point in time IF or WHEN a parcel was even coming. The end result was that it did come but it was no longer there the evening it was delivered!
Product: Credit reporting or other personal consumer reports

In 2007 when XXXX and the data breach started, I immediately started trying to freeze my credit report, which was not frozen after several attempts. I noticed several items being listed on my credit report over the years without my knowledge XXXX never followed the proper steps for consumers to gain back their credit. For me, it was like pushing it under the rug and hoping go away. 

I have tried over again to send letters. Stayed on the phone for hours, just to get the run around.
Product: Credit card or prepaid card

My wife noticed an unauthorized transaction on her XXXX account on XX/XX/2021 ( order # XXXX, order date, XX/XX/2021 for XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$520.00}. We also noted an identical charge on our Chase Bank Visa card. We immediately notified both Chase and XXXX on XX/XX/XXXX, my wife closed her XXXX account, and Chase issued us a new credit card. Both companies said they would investigate. 

On XX/XX/XXXX, XXXX sent an email to us suggesting we contact the credit card holder to resolve the dispute. On XX/XX/XXXX Chase sent us a letter claiming that it had investigated our claim and denied it because " you received a benefit from this transaction. '' We received no benefit as we neither ordered nor received any webcams. 

Subsequent attempts to resolve the dispute have been fruitless as each company continues to claim that is the responsibility of the other. We are caught in the middle of these corporate giants demanding {$520.00} that we do not owe.
Product: Payday loan, title loan, personal loan, or advance loan

As of today. Optum Temporary Funding has continued to deny me access to my loan application and/for its concideration for value. I am being told again that i will not be provided with any reason or justification for the denial in writing. It has been over 30 days since i have made those request and Optum has not lawfully answered, replied or rebutted. Under the maxins of Uniform Commercial Code law and principles, all matter is dissolved in my favor. Therefore, Optum is left without recourse except to immediately issue application and or security value to me on behalf of XXXX XXXX as remedy. 
Optum has failed to provide a valid reason for the denial and is illegally holding my application and its security value. I was again inform by the representative that Optum has terminated my application and that representative ( s ) are under strick instructions to not provide me with any information or futher detail. This is a willful denial of my My rights and a direct and wilful proclaimation of continued adverse actions againts me. At this Juncture of time I am Reserving all my rights as on the authority of The UCC, FTC, FCRA, CFR, USC, and TILA but not limited to such. 
As of today. I am a formally presenting Optum with terms of retal of my application security ( see attached ).
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 15 USC 1681. 

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. ( 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 inaccurate.
Product: Credit reporting or other personal consumer reports

I am called Transunion to express my concern regarding the accuracy of my credit report, specifically the listing of outdated and incorrect addresses. Despite my previous disputes, these addresses continue to reappear on my report, marked as " updated '' instead of being deleted. 

I strongly emphasize the importance of maintaining only my current address on my credit report. The presence of incorrect addresses can lead to identity theft, credit fraud, and other serious consequences. It is essential that TransUnion ensures the accuracy and integrity of the information on my credit report. 

I would like to bring to their attention the Fair Credit Reporting Act ( FCRA ), which governs the accuracy and fairness of credit reporting. Specifically, Section 623 ( a ) ( 5 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) states that credit reporting agencies must " maintain reasonable procedures designed to ensure that whenever a consumer disputes the accuracy or completeness of any item of information contained in a consumer 's file, the dispute is recorded and the consumer is provided with a written statement of the results of the reinvestigation. '' Furthermore, Section 609 ( a ) of the FCRA ( 15 U.S.C. 1681g ( a ) ) requires credit reporting agencies to provide consumers with a copy of their credit report, which must include " all information in the consumer 's file at the time of the request. '' In light of these regulations, I request that TransUnion takes immediate action to : 1. Delete all incorrect and outdated addresses from my credit report. 
2. Verify and confirm that only my current address is listed on my credit report. 
3. Provide me with a corrected copy of my credit report, as required by Section 609 ( a ) of the FCRA. 

I previously mailed attached a copy of my identification and proof of address for your reference. 
Please investigate this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out a number of times and advised that the BANKRUPTCY was not properly verified and they are not mines. I have attached a copy of the letter that was mailed to me from the Bankruptcy courts here is XXXX XXXX. 

XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

Heres a letter tailored for your situation with XXXX : [ Your Full Name ] [ Your Address ] [ City, State, XXXX Code ] [ Date ] Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Complaint Against XXXX for Failing to Provide XXXX XXXX and Inaccurate Reporting Dear Sir or Madam, I am writing to file a formal complaint against XXXX regarding their failure to provide IRS Form XXXX XXXX for an account they claim has been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

Account Details : Creditor Name : XXXX Account Balance : {$180.00} Account Open Date : XX/XX/XXXX Continued Reporting : Monthly reporting through XX/XX/XXXX, and still ongoing today. 

I have contacted XXXX requesting a copy of the XXXX form to verify their reporting of this debt as canceled or discharged. However, they have failed to provide the requested documentation or any evidence supporting the continued reporting of this account.

Moreover, this account has been reported monthly as an active account even after its alleged charge-off date, which further raises concerns about its accuracy. Such reporting may be in violation of the Fair Credit Reporting Act ( FCRA ), as it misrepresents the status of the debt.

Actions Requested : 1. Investigate XXXX failure to provide the requested XXXX form for the account listed above. 
XXXX. Verify whether XXXX XXXX XXXX the debt and issued the required documentation to the IRS. 
XXXX. If XXXX can not provide proper documentation, require them to immediately remove any inaccurate or negative reporting related to this account from my credit report. 
XXXX. Address the issue of XXXX XXXX XXXX of this account as active or delinquent despite the alleged charge-off. 


I respectfully request that the CFPB intervene to ensure that XXXX XXXX XXXX federal laws, including the FCRA, and that accurate reporting standards are maintained. Please let me know if additional information or documentation is required. 

Thank you for your time and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell the XXXX credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I opened this account 6 Months ago and they have all my contact information and I set the payments up on auto draft. I did not realize the last payment didn't go thru. I never received a written notice or a phone call the account was slightly delinquent. It was caught up immediately after I realized the error. It was reported to the credit bureau a day after payment was made. It was reported XXXX. Causing a XXXX point drop in my credit!!!! Please help me correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through XXXX who sent me a letter stating the XXXX or Equifax never responded to their request. XXXX, XXXX  nor Equifax has sent me the Method of verifying this information.
Product: Debt collection

I received a letter from Convergent ( which I assume is a debt collector ) they are trying to collect on someones XXXX Credit account, but its not mine. I do n't even have a XXXX account. The letter does not tell me much just that it 's a XXXX credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a loan from a bank for myself. The bank says I have perfect credit, no late charges, no late payments, XXXX credit score, I own my home and my car. Everything perfect. But I seem to have one dispute from a few years ago that was resolved and fixed with no charges, etc. Citi bank has it on my report of this dispute, says is resolved, but can't remove it. My loan officer says that this little glitch will stop the loan. I asked it be removed and also that the credit report company erase it. Neither has been done. I can't believe I can't get credit as a perfect credit person because of this.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

XX/XX/24 Emailed and was denied Louisiana key provision state SCRA benifits. Then proceeded to mail a packet of information to apply for XXXX  Louisiana state benefits regarding the key provisions state applicable for SCRA. Havent heard back anything. I am XXXX XXXX with orders to Louisiana. All information ( LA drivers license, XXXX XXXX XXXX ) & information regarding state legislation for Louisiana SCRA was sent both times.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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

Experian is report inaccurate information that I did not consent of. I gave them over 45 days to investigate. XXXX is also not responding I have given them my 2 forms of ID and Han written the letter so they know it from me and not a agency or company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax business credit score for XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX XXXX ) has decreased drastically over the past few months, although I've made all my payments in a timely manner. There is a communications trade-line that is showing up as slow up to 60 days, with a current balance of - {$35.00} and a past due of {$110.00}. I have reached out to all of my vendors/ creditors and no one has reported any late payments. I've attempted to dispute the issue with Equifax directly. They informed me i would need a current credit report, from Equifax, but they are refusing to provide me with XXXX. The email they sent states " Currently a business credit report is sent only to companies whose files have been accessed by Equifax XXXX XXXX XXXX members. If you have received notification from an Equifax XXXX XXXX member, please provide us with additional information so that we can assist you. ''