23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies acting fairly, impartially, and respecting consumers privacy rights. XXXX and Experian fall into this category, and as a consumer, I have the right to protect my private information. The FCRA ( 15 USC 6801 ) also places an obligation on financial institutions to safeguard customer privacy and confidentiality.

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only provide consumer reports with the written consent of the consumer. Neither XXXX nor Experian, nor the entities furnishing information to credit agencies, have obtained my consentwhether verbal, written, or implied. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers about their right to prevent the disclosure of nonpublic personal information to third parties. However, I was never informed of this option by the entity providing information to credit agencies.

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. XXXX and Experians compliance with this provision is questionable. Similarly, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. Unfortunately, it appears that XXXX and Experian may not be fulfilling this requirement. 

In summary, XXXX and Experians actions appear to violate various provisions of the Fair Credit Reporting Act and related regulations. As a result, I am opting out of their reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit ReportingAct, 15 USC Section 1681i, and continue to report unverified information without providing any proof required by law. Equifax and XXXX have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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: Money transfer, virtual currency, or money service

I user Ria Money Transfer to send {$180.00} to a friend in XXXX and the transaction number is XXXX This was done on XXXXXXXX XXXX XXXX and till date has neither been deposited and nor refunded. Multiple attempts were made to reach out this company on chat- 4 times, email 3+ times, XXXX - 3 times and phone -thrice but the company has kept my money with no sight of refund or ETA for refund
Product: Credit reporting or other personal consumer reports

I have reached out to Experian, XXXX and XXXX three times to dispute inaccurate accounts on my credit report. They have responded both times and stated they have verified/updated the accounts. However, they have provided no proof and only an updated credit report. They have violated multiple laws according to the FCRA. I have demanded to have these accounts deleted from my credit report which has not been done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 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: Mortgage

I bought my first home in XXXX after the home financial crisis and received an incentive from the government, XXXX dollars. I never knew or read the fine print about this help so I was happy and confident that I didn't owe anything besides the actual amount I owed for my home going from XXXX to XXXX in 9 years. Now in XXXX I refinanced my home with XXXX XXXX and with my home equity I paid XXXX dollars of my car and XXXX in credit cards debt. But XXXX XXXX found out that I also had to pay the government back those XXXX I never knew I owed. I never knew this incentive to buy the first time home around XXXX HAD TO BE PAID BACK ANYTIME I wanted to refinance or sell, etc. I thought this money would be forgiven after some time, let 's say 5 years. After 9 years I HAD TO PAY BACK XXXX dollars to the government. I do not think this is fair. 
I have my mortgage with XXXX XXXX XXXX  and neither the bank nor XXXX XXXX   know anything about this incentive and the way it works. 
I hope I can have an answer about this issue. 
Thanks.
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, EXPERIAN, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS.

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX XXXX XXXX Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
Product: Mortgage

The interest rate changes were not explained to us at closing. I had no idea the rates could change on a 2nd mortgage. We are paying $ 350 monthly in interest.
Product: Checking or savings account

I have had a savings account in our Trust name with Chase Bank for approximately 20 years. On XX/XX/XXXX I bought a Certificate of Deposit for a large sum of money for a 3 month term at 4 %. On XX/XX/XXXX we received a letter from Chase that they needed us to come in and sign a Certificate of Trust Existence before XX/XX/XXXX to keep our accounts open. We did so on XX/XX/XXXX at XXXX. We received another letter from XXXX dated XX/XX/XXXX reminding us that they needed help to update information for the Trust when it is most convenient. I called on XX/XX/XXXX our customer rep ( no answer ). I then called the branch manager ( no answer ). So I called Customer Service. They told me that my savings account had been closed for inactivity. My last transaction was on XX/XX/XXXX. then the bank removed money to pay for my safety deposit box. I then drove to my branch of Chase Bank to talk to the bank manager to find that not only the savings account was closed, but also the CD as well. They were both closed on XX/XX/XXXX and checks were sent in the mail on the same day. Since then, they say the checks are in the mail and will not write me a balance for the closed accounts. I never received any notification that they were closing any account.
Product: Credit card or prepaid card

In relation to my previous complaint, XXXX, I have encountered further issues with Comenity Bank 's handling of my Express Credit Card account. Despite multiple attempts to resolve an identity theft issue that resulted in over {$7500.00} in fraudulent transactions on my account, the bank has failed to address the root of the problem : their lack of robust security measures. 

After the resolution of my previous complaint, which concluded with Comenity Bank closing my account without notification, I attempted to contact them for further discussion. When I called their customer service line and entered the last four digits of my social security number, I received an automated message that my account was closed and there was no further action I could do. This action was taken without my consent and without proper notification, and will cause a negative impact on my credit score. 

The lack of security measures in place to protect customers, especially those who have had their social security number stolen, was not addressed in their response to my previous complaint, nor was any XXXX given that measures would be put in place to prevent similar fraud from happening to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair as they did not comply with error resolution requirements under Electronic fund transfer act ( EFTA ). And regulations e these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Checking or savings account

On XX/XX/XXXX my account funds were suspended and a transaction showed on the account as Customer Withdrawal ACCT Closure. I had not closed the account so i called in to verify the reason for this issue and the general customer service team was unable to help. Customer service stated it was not their department. 

On XX/XX/XXXX the funds showed they had been placed back in the account. On XX/XX/XXXX i called after finding that the funds were still not available to spend. I was transferred from XXXX who hung up on me. Upon calling a second time i got XXXX again who transferred me to a unnamed associate. This associate stated that my account was on hold with no reason to why. Upon asking when my funds would be available she had not respond. My account still has a balance and no one has a clue on when it will be released.
Product: Credit card

I made two large payments to both of my closed accounts with TRUIST in XXXX and the statements closed with these payments being applied, but neither of these closed credit cards have reported the balance to my credit reports since XXXX, 2023. I have attached both statements showing the new balance it should have reported to my 3 bureaus already. This is affecting me from getting a HELOC
Product: Student loan

On XX/XX/XXXX application submitted for SAVE repayment plan on studentaid.gov website and sent to loan processor that day. It was processed ( completed review ) by EdFinancial on XX/XX/XXXX. Next steps state that loan servicer will reach out w/ additional details regarding completed app. Its been 2 weeks and no reach out from EdFinancial. Online acct doesnt even reflect that a repayment plan application was submitted or even processed by EdFinancial. The first paragraph on account face page is all about signing up for a repayment plan by clicking the link. Huge payment is due in 3 weeks and I havent been able to get ahold of anyone in customer service. The chat feature on website is an automated system and the wait time for a customer service rep is obscene. Today the stated wait time is 3hrs 15 min. Currently on hour 4 waiting for my callback. Perhaps if EdFinancial got their act together and updated online accounts, their phone lines wouldnt be bogged down with frantic clients trying to find out the status of their repayment plan. Do better. We deserve better.
Product: Credit reporting or other personal consumer reports

REF : FTC Report Number - XXXX I have a right to privacy and Experian you have assume a vital role in assembling my data. Experian you must respect my rights as a federal protected consumer, and I have lost confidence in the banking system. You have a great responsibility and a duty as a reporting agency to adopt a reasonable procedure for meeting the needs of consumers that is fair and equitable for consumers. The address list on my report I am requesting it be deleted and blocked I never live at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. There is more information that's on my consumer report that is a result of Identity Theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block is not being made in error ; nor is my request to block being made basis on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
I am requesting the following information be deleted and blocked : XXXX  XXXX XXXX and open on XX/XX/XXXX amount {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX amount {$0.00}, XXXX XXXX XXXX XXXX on XX/XX/XXXX amount {$23000.00}, XXXX XXXX amount {$0.00} open XX/XX/XXXX, XXXX XXXX open XX/XX/XXXX amount {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$250.00}, XXXX XXXX XXXX open XX/XX/XXXX XXXX {$0.00}, XXXXXXXX XXXX XXXX open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX open XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XX/XX/XXXX amount {$0.00}, XXXX XXXX XXXX  open XX/XX/XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1100.00} and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$470.00}. I have identified information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency Experian.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.
Product: Credit card or prepaid card

Today, XX/XX/2018, I called my Chase credit card to ask if I could get a decreased interest rate. I currently pay 24+ %. The representative said it was the lowest it could be. I asked how high it could go and she stated she couldnt give me that information. I asked how I could get the rate lower and she said she couldnt give me that information, either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have occasionally tried to charge purchases on my BOA credit card - those charges were refused due to a lack of funds. I understand this and try to add monies to the account ASAP. I am sure this happens to millions of consumers daily! 

What I do not understand, is that BOA is reporting this to a credit agency ( XXXX ), when it happens. If the card was refused- fine, I will try and correct it. But, why is BOA reporting this to a credit agency ( see attached documentation )? This is having a negative effect on my credit score! It seems petty and spiteful. Is it perhaps because I have reported BOA improprieties in the past? 

Please investigate and keep me informed of your progress. I will be in XXXX for the next few weeks and can best be reached by email. 

Sincerely, XXXX XXXX
Product: Bank account or service

A few days ago I damaged my card. No lost the card but damaged the card. I immediately login to my account and made a reporting of the situation. Per the agreement there is no charge for the Damaged card. I sent the Financial Institution a online message stating where is the card and when was it processed. I then noticed today after login in that there was a BAIT and SWITCH regarding the TERMS. This seems to be a pattern regarding this Financial Institution and their methods. I ask that the money is returned asap. As this is considered THEFT. If not returned I will be forced to file suit regarding the Unauthorized Debt.
Product: Payday loan, title loan, or personal loan

Not my debt. I dont know what this is
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX