23daVinci/CFPB_Complaints huggingface dataset:
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 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, 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 card or prepaid card

I want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. My information was exposed in the XXXX XXXX breach so I have followed the whole protocol to get my file corrected and update but it is going on a year now and the credit bureaus have not changed a thing! I have spent XXXX XXXX XXXX  of dollars on postage, my time wasted, paper and ink and even buying letters to send them but they have ignored me. They do not say anything at all. Please help me!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX  Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Checking or savings account

Sent {$320.00} in error via XXXX and NO ONE IN XXXX CARED! it was as if the money wasnt there issue so why even attempt!! 
NASTY NASTY NASTY! 
Now Im out of {$320.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX requested my credit 8 times in 10 months. 4 times in one month alone. I have no idea who this is or why they are accessing my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is PREFERRED LEASE as late. This late payment was corrected in the XXXX  and XXXX, but Experian refuse to correct the payment history as this as account was not late. 

PREFERRED LEASE # XXXX Please correct payment history as you are in violation of my rights and COVID-19 law as well. 

If not corrected this information is inaccurate and requires deletion!
Product: Credit card or prepaid card

There were multiple fraudulent transactions on my XXXX XXXX XXXX. So, I filed a dispute on XX/XX/XXXX and I sent my dispute forms by mail with a tracking number. 
Per my tracking number, my dispute forms have been delivered to the address they provided me with ( cardholders services XXXX, Fl ). 

It has been more than 10 business days and I havent received any provisional credit or any type of resolution. 

I called multiple times to inquire about the dispute or if the dispute form have been received and they keep giving me the run around. 
This company is violating Regulation E
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I noticed numerous inaccurate inquires, accounts and information on my credit report please check the attachments listed in this complaint
Product: Prepaid card

Google Wallet is a service that allows you to make payments using any number of bank accounts or debit/credit cards. It allows you to add money to your " Wallet Card '' ( essentially a re-loadable XXXX XXXX by transferring money from your bank via ACH ( for free ) or by adding funds with a debit card ( for a fee of 2.9 % ). 

Here 's the problem. When I add money to my card via the free ACH route, the system tells me very clearly before I complete the transaction that the funds will be available in a few minutes. Once I 've completed the transaction, and check the status, it says the funds wo n't be available until a date 10 days in the future. Usually I 'm doing this in the checkout line at a store, and I 'm forced to add the money again with my debit card, costing me that 2.9 % fee. 

Now at this point, I 've had to pay somebody else to use my money. When I contact XXXX about it, they offer no help and their only solution is to use the debit card route ( which costs me money ). When I add the money via debit card, it comes out right away. But I 've already added money via ACH, which is going to come out on the next business day. So in this example, the money is taken out of my account TWICE, with a waiting period of up to 10 days to access the other half of it. 

Bottom line, I add money, it says it will be available within a few minutes. After I submit, it says it will not be available until several days in the future. Their service is lying and misrepresenting itself, and causing undue financial hardship. 

I have added XXXX screenshots. The first shows that when I go to add {$100.00}, it says the money will be available within a few minutes. The second was taken after submitting that {$100.00} transaction, showing that it wo n't be available until XXXX XXXX. The XXXX screenshots were taken less than a minute apart.
Product: Student loan

In XX/XX/2016, my child support raised to a point I could not support myself any longer on my wage. I was in fact XXXX and struggled. I requested IBR for my loans. I sent in the application and gave them access to my IRS XXXX. They were " processing '' it for 3 months, in which I called and emailed several times to see the status. The agents only stated it was pending, but then I was sent a letter my application was cancelled by the lender. I put my loans in forbearance to send in a new application, as that was " all they could do ''. they stated I would have to make a {$5.00} standard repayment to move from Forbearance to the IBR once approved, however I received the billing statement to make this payment 4 days after I received a notice stating since I hadn't made the payment, that my loans were on standard repayment and the IBR was cancelled a second time by the lender. I then filed a complaint with the MN Attorney General. They followed up with the lender, who stated all these things were my fault and I owed a grossly overstated sum of money. As of today, I received a negligent email that they were going to affect my credit, when in fact I should have a $ XXXX monthly payment based on a wage of less than $ 40k a  year and a household size of XXXX. Then i received a call from the lender 's collections person at work. I told her I can't take these calls at work, but she stated she couldn't control when they occurred. I used to work in collections and know that this is wholly against the FDCPA rules. I mentioned that to her, and she laughed at me, thus the reason for this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have file numerous disputes that they never answer or completely ignore. i have ask for these to be remove because they are not reporting correctly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX They verify even though they are not correct at all? 
then i do not get responses i ask to remove because of no response at all by law they are to remove them right away at this point pretty simple by the law no response at all over 60 days????
Product: Debt collection

My account manager was so rude. His name is XXXX. Every time he picked up the phone he was always huffy and puffy, literally answered like he was tired of being there. Ive only spoken to him 3x and EVERY single time I called he has always been so rude. He doesnt offer any solutions nor does he have any compassion, not asking for him to break the law- asking for him to care about the people he collects from seeing they he gets a piece of commission from the people that pay. Got ta get rid of this dude or do better at training- I would have paid in full a long time ago but XXXX ; the fact that I have to pay with him- knowing he gets commission off what I owe. Hope he enjoys it! Please reach out to XXXX from national credit system, super nice guy, definitely want to ask for him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am having issues with the credit bureaus, XXXX, XXXX, and Equifax. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.
Product: Credit card

I Would like to report the suspected email which might be a scam email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were several accounts and multiple hard inquiries I did not recognize and did not authorize. Those accounts contained account numbers that I did not recognize and origination dates that are clearly erroneous. I did not open or said accounts with any of those companies on the dates listed on my credit report. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission from XXXX XXXX to XXXX XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.I put XXXX, XXXX, and Transunion on notice and they have not complied within 30 days time frame.
Product: Debt collection

I received a letter from Portfolio Recovery Associates , LLC on XX/XX/2022 they claimed I owed them an alleged debt of XXXX I responded with a letter through certified mail with return receipt for my evidence and ask Portfolio Recovery Associates , LLC to provide me with documents for validation. I have not received any validating documents from this company of this alleged debt it has been well over 30 days and more this is a direct violation of the FDCPA. I informed the company this is a defamation of my character, in addition I also let the company be aware until they provide me with a validation of this alleged debt they couldn't continue collection activities or continue to report this to the credit bureaus. They continue to report this on my credit report without any validation of this alleged debt, I have not now, nor have I ever done business with Portfolio Recovery Associates , LLC and they furnished information on my credit report with out my written consent. According to FCRA 15 US CODE 1681b that's a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

I sent my first letter to the company complaining about false information on my credit report on XX/XX/XXXX, it has now been well over 30 days and I still haven't received no results. 

Accounts : XXXX  Actions taking credit bureau is taking longer than 30 days.
Product: Checking or savings account

XX/XX/2020 I opened a business account with Citi bank. They let me withdraw XXXX & froze my account after the transaction & left XXXX of my money in the account. I tried to contact them and went to the branch that I opened my account ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) & they would not release my funds due to them needing to do an investigation & years later my account is still on hold & I can not access my funds that I did nothing wrong to obtain. Everytime I call none of the specialist know or can tell me what's going on.
Product: Credit card or prepaid card

I filed a previous complain against Barclays after the death of my husband. A credit balance of {$530.00} remained on his account and they closed it due to his death and would not talk to me or my son regarding the rewards. His account number ends in XXXX, in the name of XXXX XXXX XXXX. After filing a previous complaint we did receive correspondence from the company and a check, however it was made out to my deceased husband and I am unable to cash it. My son called the company and they will not make the check out to my name even with a death certificate. They had said they would void the first check and make it out to the estate of XXXX XXXX XXXX, however this does not help us much since there is no estate, and it would cost more than the value of the check to open one with a lawyer. We dealt with other companies that owed us refunds due to my husband dieing and upon providing them a death certificate, they all issued a check in my name. I'd like to resolve this issue and receive a check I can cash for the rewards accrued and earned by my husband. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX # XXXX, this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment this is not accurate please delete. I have never been late on my PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! 
Information belongs to someone else PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, Account # 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 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, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 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: Checking or savings account

On XX/XX/2021 I made a cash deposit of {$260.00} into a local Bank of America ATM I frequently use. Almost two weeks later on XX/XX/2021 {$260.00} was deducted from my account with the message " ATM Deposit on XX/XX/2021 totaling XXXX had a shortage in currency. XXXX. '' Surprised and confused I immediately called Bank of America to file a dispute as this is the first time this has happened in the many years I've made deposits with the bank ATMs. A temporary credit for {$260.00} was issued to me while they 'investigated " the issue. 
I assumed this would be resolved after filing the dispute claim but on XX/XX/2021 the temporary credit was reversed and the investigation didn't find I was owed the {$260.00} cash deposit. I am in bewilderment at how a regular cash deposit which is counted by an ATM is not enough evidence of a transaction. There are cameras at the ATM which can confirm the deposit. If there was truly a 'shortage in currency ' as they stated, why wasn't I returned the money I did deposit. I don't want to assume foul play on their end but I have no idea what measures they took to investigate the matter. 
I am still owed the money I deposited but the claims department and in-person branch is giving me the run around.
Product: Payday loan, title loan, or personal loan

TitleMax is in violation of 16 CFR 433.2 for Failure to Full Disclosure of 10-point bold notice. Failure to provide right to recission forms 15 USC 1635 ( a ). And 15 USC 1632 clear and conspicuous rights to recission. I was not aware that I had a right to rescind the contract as I did not have access to the contract until after the time allowed had passed. TitleMax uses deceptive practices along with high interest rate of 160.03 % annual. Texas law 's maximum amount is 10 % annual. I was the only person to sign the contract and when I received it, it shows an additional signature. No employee signed the contract. I issued a negotiable instrument with instructions to clear the debt, I received no response, and my car was repossessed. In the interim of my vehicle being repossessed there was damaged to the front end of the vehicle. My vehicle will be sold after today 's date XX/XX/2023 by TitleMax.