23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On thursd XXXX/XXXX/15 my employer sent my direct deposit to Rushcard. Rushcard then ppsted my deposit to my other card on my account. I tried to withdraw the money and my pin was not working. My card was inactive. I called rushcard and after a whole day on the phone i finally got it activated but was unable to change my pin. I then did a card to card transfer figuring that i would be able to take the money off that way. My full balance of XXXX showed up for XXXX mins then dropped to XXXX. I have not been able to access my money or get a straight answer as to why from rushcard since.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Capitol One is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " 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. Capitol One the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Capitol One whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capitol One Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. It is also against the law to report transaction history. Any and all transactions should be deleted. Also, 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have an account Mastercard with Navyist Rewards with BARCLAYS. 
On 4 or 5 occasions at this point they have pulled credit report. It states that they have pulled it from XXXX. It says my credit score is XXXX. That is a complete lie. My credit score is in the XXXX hundreds. They have lowered my credit limit each time they have pulled my report mind you without my permission each time. From XXXX to XXXX. Then it makes my credit go down.Then they look at my account with me while on the phone and they and my credit report and see that my score is NOT XXXX. IT IS IN THE XXXX HUNDREDS. Then they increase my credit back to XXXX as it was originally, which then impacts my credit score again. 

This is absolutely insane. My credit is good. It is not seriously delinquent not do I have too few accounts currently paid as agreed. 

All my accounts are up to date and in excellent shape! I want this back and forth with they to stop! I want the information removed from my credit report immediately and I want my score fixed from the damaged that they have caused.
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 Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$130.00}.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Student loan

My direct unsubsidized consolidation loan was paid in full in XX/XX/XXXX, and I received a confirmation letter on XX/XX/XXXX from Fedloan Servicing stating that the loan was paid in full with a zero balance. My account was signed up for direct debit, and no further transactions posted after that time. Then, on XX/XX/XXXX, I received a letter that the account was in delinquency for 150 days with a balance of {$62.00}. The letter also stated that each nationwide consumer agency " has been notified of your late or missed payments ''. How can this be allowed to happen?
Product: Money transfer, virtual currency, or money service

Since XX/XX/year>, I have contacted Marcus by Goldman Sachs customer service multiple times to request the linking of my external American bank account. I provided all required information and was informed that I would receive a trial deposit within XXXX business days to complete the linking process. 

However, the trial deposit has not been processed, preventing the linking of my external bank account. As a result, I am unable to withdraw my funds from Marcus by Goldman Sachs. Despite multiple follow-ups, the issue remains unresolved.

Each time I contact customer service, I am told that the trial deposit will be completed within XXXX  business days. However, this has not happened. According to my call records, I have gone through this repetitive process on XXXX occasions since XX/XX/year>. On each occasion, I was assured that the trial deposits and account linking would be completed within XXXX business days, but this commitment has not been met. 

I would appreciate your assistance in resolving this issue promptly, as I need access to my funds.
Product: Debt collection

The creditor has been reporting fraudulent accounts on my credit report ( multiple accounts ) today they started reported missed payments on these accounts they have failed to provide validation of debt
Product: Credit card

These items do not belong to me XXXX has reported the inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXXXXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$790.00}
Product: Credit card or prepaid card

I had a credit card with Citi Bank that I would use at XXXX. I received by bill in the mail every month and promptly paid with a mailed check. In XX/XX/XXXX, I did not receive a bill and therefore did not notice until I received a telephone call in reference to collecting a bill. The company told me that I had agreed via email to online billing and should have paid the bill on line. I DID NOT agree to online billing, as it has caused me problems with two other companies in the past.

I told the company that if they would mail me a bill, i would pay for all items I had bought, but would not pay late fees or interest because I believe they fraudulently switched me to online billing. I then cancelled the credit card. 
I have since paid for all items bought, but have received two paper bills demanding late fees and interest, which i refuse to pay. 
The last two mornings, I have received two telephone messages demanding that I call them about this account. I will do so today, after filing this complaint
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Debt collection

I have no knolage of this debt therefor I'm requesting original proof of debt, due to your erroneous reporting to the Credit Bureau { s },  the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the Experian, and XXXX have violated my rights. 

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( account number as appeared on my experian report ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts and account numbers are as reported on my Experian report. 

These fraudulent accounts being on my credit report is a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A. 

Experian has also failed to investigate and respond to my previous dispute and it has been more than 45 days, which is also a violation of my rights under the fair credit reporting act 15 U.S.C 1681 section 602 A.
Product: Student loan

XX/XX/XXXX not g iven options on IBR and thus went into forbearance. This made my loan very large in sum.  <P/>  XX/XX/XXXX - XX/XX/XXXX  I discovered recently that whenever I have been paying EXTRA on the loan, Navient is automatically applying the payment to the loan with lowest amount or lowest interest and keeping the large sum loans with large interest amounts intact. This of course benefits Navient and NOT me. This was not disclosed to me at any point, until I started asking questions on how the payments are being applied.  <P/> This practice has put me back an amount I ca n't even measure.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern and dissatisfaction regarding fraudulent activity on my Capital One account. Despite my efforts to ensure the security of my account, I have noticed unauthorized transactions that I did not make, approve, or authorize. 
I am requesting a thorough investigation into these transactions, which appear to compromise the integrity of my account. Additionally, I ask for a swift resolution, including the reversal of the unauthorized charges and the implementation of measures to prevent further breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for credit with XXXX and TransUnion gave access to my credit history without my authorization on XXXX/XXXX/XXXX. XXXX approved the credit for whoever was applying. I called TransUnion, XXXX, and XXXX XXXX/XXXX/XXXX. They put fraud alerts on my accounts. Called XXXX customer service XXXX/XXXX/XXXX. They said yesterday that yes they gave approval for credit. They closed the account. No charges to the account thank XXXX. I talked to their fraud department and they are to investigate. I now have a hard inquiry on my credit history on XXXX/XXXX/XXXX from XXXX  that I did n't authorize. Would like to get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX
Product: Vehicle loan or lease

Automobile Acceptance Corporation & XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX never served me with a suit and fraudulently filed a garnishment of my bank account for {$21000.00} According to the paper work it reaches the statute of limitations and the attorney who is acting as a debt collector failed to send me the proper paper work to view this case.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$140.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand that Diversified Adjustment cease all communication with me regarding the above-referenced account, effective immediately, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This demand includes, but is not limited to, phone calls, letters, emails, and any other form of communication. Furthermore, I assert that reporting or continuing to report this account to any consumer credit reporting agency constitutes an indirect form of communication under the FDCPA. As such, this practice must also cease immediately. I am fully aware of my rights under the FDCPA, and I expect full compliance with this request. XXXX XXXX XXXX is still free to exercise any rights it may have under the law to enforce the debt through legitimate legal proceedings, should you choose to do so. However, any further attempts at communication outside these provisions will be considered a violation of the FDCPA and reported to the appropriate regulatory authorities. Please confirm in writing that you have received and will honor this Cease and Desist request. If I do not receive confirmation within 14 days of the date of this letter, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Thank you for your prompt attention to this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

I have good relationship with XXXX which always alerted me of every activity. XXXX, I noticed a fake and/or perpetrated credit inquiry made by Capital One which is broad daylight fake stuff. I tried to fax the copy to the CFPB. Fax was so busy every time. My fear is the already premeditated criminal influence of the same perpetrator [ kind of unauthorized mediator and/or defence attorney ] who would have no trouble getting me taken down by the country., the people and their constitution by unidentified mechanism. Profiling? Check the attached documnent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called all unauthorized inquiries and they denied to remove any information and didn't want to work with me on investigate this unauthorized inquiry on my credit report.
Product: Credit card or prepaid card

In XX/XX/2018, I used my credit card for a cruise payment and was not given what I paid for ; proof was provided. I received a smaller room and none of the accommodations listed in my agreement were provided. XXXX XXXX apologized and gave me a letter stating their mistake and the mishap. I provided this with Citi Best Buy, my credit card company, and they held out the dispute more than 60 days and stated the merchant never responded to the investigation ; therefore, I was not a protected consumer. Per their credit card protection agreement, they decided to selectively change the policy only for me, as the manager, XXXX, stated, and went on to say they had no way to recoup their money so it's back in my hands. That is absurd and definitely illegal. Also, after speaking with 7 representatives and managers, each gave me a different account of my experience, account of events and changing policies based on the customer. I have been given the run around about a resolution and was told I made people angry there ; therefore, it would not go in my favor.
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 XXXX XXXX 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: Debt collection

Caine & weiner fails to honor my rights as the natural person, Consumer, and Original Creditor. 
I demanded a cease and desist. Also I demand all 3rd party agencies refrain from sharing my personal consumer information. Caine & Weiner is in violation of chapter 41 Title 15 of the United States Code, The FDCPA, and XXXX. Their bad faith efforts in reporting an alleged debt owed by me is causing damage to my persons and hindering my pursuit happiness.