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

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact use my credit card, in this instance my social security card to obtain property on credit. This company approved my credit card, and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile. I have also attached the contract that makes this claim true.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I tried to order an XXXX with my Cashapp account, only to be declined 4 times in a row before realizing my card was for some reason suddenly deactivated. I attempted to reactivate the account, just for it not to work. They told me to put in my CVV ( which I did and I did it correct ) and it didnt work. From this point forward, all cashapp was doing for me was telling me they deactivated my card and wouldnt tell me why. When I attempted to order a new Cashapp card, I had complications with that too.
Product: Student loan

My name is XXXX XXXX New York,XXXX Email : XXXX Phone : XXXX I had a student loan since XXXX, XXXX sold the loan to another company NAVENT in XXXX. 
Now they rise the amount {$69.00} to {$99.00} Never receive a previous notification. They said I sign 2 years ago the authorization for this rise ( No document received for this, and I never signed this authorization ). 
Now they offer me a new deal, pay some like {$45.00} per 1 year and after paid {$190.00}. 
My salary is only XXXX per hour, I can not afford this increase. 
Why do I need to sign a new deal with new conditions and increase the interest. 
XXXX Account was XXXX NAVENT Account is XXXX. 
What can I do to prevent this increase. 
When I tried to call NAVENT, I needed to wait for more than 20 minutes. 
Please can someone in your organization help me for this abuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX COLLECTION Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX MXXXX XXXX XXXX  Account Number : XXXX COLLECTION Account Number : XXXX COLLECTION Account Number : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint to CFPB regarding inaccurate, unverifiable, and reporting practices by XXXX XXXX, equifax, and XXXX XXXX 1. I have been in contact via certified mail since XX/XX/XXXX up until recent XX/XX/XXXX regarding inaccuracies of my credit report such as names, addresses, residents that are not mine or where I receive my mail. They have continuously ignored my request to update my name which XXXX XXXX XXXX and my mailing address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This has gone on for several months despite request cent by certified mail, and calling speaking to representatives. 
2. I have asked for method of validation for information reported which had not been produced. For instance, after months of asking since XX/XX/XXXX, XXXX XXXX XXXX has finally been deleted on XXXX, however it is still showing on the other two reports. 

3. There are other accounts reported inaccurately and according to FCRA accuracy and reporting of E-Oscar have created numerous metro 2 errors. I have sent numerous letters certified and they have ignored removing/deleting these errors. 
4. As a consumer involved in the equifax data breach, along with the three creditors my personal data has continuously been misrepresented on my credit reports and these addresses and incorrect information could put me in harms way to identity theft by these bureaus constantly reporting inaccuracies representational of my identity. 
5. As a result of Covid I am suppose to have free access to credit monitoring, and as a victim of identity theft. XXXX will not allow me access to my updated reports every 7` days which was agreed upon as a victim of identity theft. They are soliciting me to pay XXXX dollars and some change to access my lawful information, and blocked my access to monitor my credit of there constant mistakes.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX XXXX Account Number XXXX XXXX Experian. The Fair Credit Reporting Act or 15 USC 1681 section 602 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. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( 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. XXXX XXXX Bank who is the financial institution and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and XXXX XXXXXXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXXXXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 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 in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer 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. Public Law 90-321 expounds on Title 15 Section 1681 and states consumer credit should only be pulled for Child Support provisions Finally, pursuant to 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

I was laid off from XXXX in XX/XX/year>. At the time, I had an autopay amount of {$200.00} per month set with Best Buy with a remaining balance of {$2200.00}. After I was laid off, I changed my auto payment amount to minimum due, which at the time was {$29.00} per month. In XXXX, Best Buy charged me {$29.00}. Same for XXXX. On XX/XX/year>, I purchased a XXXX XXXX for my photography business with my Best Buy credit card. The total cost of {$2400.00} for the lens was added to my remaining balance. This then changed the monthly minimum amount due from {$29.00} to {$56.00}. On XX/XX/year>, Best Buy charged me {$930.00}. I call their customer service, and let them know and they apologized and sent me a refund. The refund of {$870.00} was deposited in my bank account on XX/XX/year>. In XX/XX/year>, Best Buy withdrew the correct scheduled minimum due which was {$46.00}. On XX/XX/year>, Best Buy withdrew {$820.00} from my account setting my checking account to $ XXXX. I turned off my auto payment and called customer service, and they apologized again and opened a dispute. I asked if they could expedite it, as my bank account was now negative with upcoming bills due. Several weeks went by and I did not see anything. I called again and the representative looked into it and said they will submit a note and get things moving. It was not until XX/XX/year> that I received an email stating that I received the refund. Only when I checked my bank account, I saw that Best Buy refunded me {$48.00}. I proceeded to call customer service again and was never able to get anything else done. To this day, I still have not received anything from Best Buy. This mistake on Best Buy 's part triggered a chain reaction of failed/late payments that not only destroyed my credit score, but led to 6 accounts being closed with a debt amount of {$50000.00}, and potential pending lawsuit. I will be immensely grateful for any help I can get. I dont believe they acted fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit reporting bureau without my verbal or written consent continuously report information that is inaccurate and that I've requested to be removed, the item that was requested are spam inquires, unverified collections and closed accounts. I've research the violations being performed against me under the { FCRA } Fair Credit reporting act : 1. U.S. Code 1681n - Civil liability for willful noncompliance 2. Section 623 ( a ) ( 3 ) 3. Section 609
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX which falls under tXXXX according to XXXX  Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am formally address the ongoing issue of late open accounts and a late closed account that linked to open accounts on my credit file, marking my multiple attempts to rectify this matter. Despite repeated efforts to dispute and correct these late open accounts, they continue to persist, causing significant distress and detriment to my financial well-being. 

I have diligently followed the procedures outlined by your organization to address this matter. However, the lack of action and resolution from your end is deeply concerning and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of erroneous information without appropriate intervention. 

I implore you to conduct a thorough investigation into the late open accounts and late closed on my credit file and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly corrected to restore the integrity of my credit history and prevent further harm to my financial standing. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue over XXXX attempts. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I called my credit card company back on XX/XX/24 & asked for a complete payoff amount on my balance & was given one. I immediately paid that stated balance and assumed that was the end of it. A couple of weeks later I received my lien release on the item I had a balance for along with a payoff statement showing a {$0.00} balance. Today ( XX/XX/24 ) I received another mailing from them which turned out to be a billing statement for the amount of {$0.00} ( XXXX cents! ). I of course called the company to find out what was going on as I already had my lien release with the payoff statement & never used the card again. I thought maybe I had to pay just to have the card on my person but that wasn't the case, so I asked them if it was interest ( on a XXXX balance ) & was told that wasn't it, and it also wasn't any fees. They turned around & told me that I owed the XXXX cents ( {$0.00} ) on my account still ; over 1.5 months later! So, I asked them in no uncertain terms how it is I had a lien release with a payoff showing a {$0.00} balance & all they would do is try to pawn it off as what I owed. Totally wrong so I requested to close the account & they again tried to get me to pay the XXXX cents! I declined & told them to close it with the XXXX cents removed & to reflect that it was closed by the customer & not them. I received no explanation as to how that {$0.00} got back on my account & why I would have a lien release if I still owed $ $ $ on the account! I did get threatened to be hung up on if I kept complaining about it too! So, I had to coddled them to get them to do what never should've had to be done in the first place! They claim a mailing will be sent within 3 to 5 business days, but I won't hold my breath on that & fully expect another round of fighting to happen before it's all said & done! I hope not!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting. For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon Family and Educational Privacy act of 1974 my legal rights were violated. Inquires as well was requested on XX/XX/XXXX to be removed per 15usc1681 permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act 1974. A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. It is illegal to report transaction history. 15 U.S. Code 1666b - Timing of payments the account was paid in full and should not be listed as a charge off.A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Money transfers

My name is XXXX XXXX XXXX XXXX XXXX 2016 I sent {$910.00} to my little brother XXXX XXXX for the family at Walmart on XXXX XXXX XXXX Ohio, the reference number given to me read error ( unable to look up reference number, transaction can not be received now, have customer contact moneygram..Ac error XXXX ) but moneygram system was reading that the money has been picked up which is not TRUE!!! 
I contacted moneygram over here ( CASE NUMBER..CRM XXXX ) ... .but all they keep saying they looking into it ... they have n't gotten back to me for once to tell me how the issue is being dealt it..now all I want is for moneygram to solve the issue by making sure my recipient has received the money since I was charged for their services ..so they need to hold their end of the contract and deliver the money.
Product: Credit card

Take a look at the documents provided, and I would like the bureau to commence an investigation into these accounts where I have a flawless record of timely payments, yet they are erroneously marking me as delinquent.
Product: Checking or savings account

I opened high-yield savings with XXXX XXXX XXXX after the account was opened I attempted to move {$5000.00} out of the account. The bank declined the transfer and locked the account. When I spoke to them I told them " to transfer all my money back to my primary bank '' They said " they would within 1-3 business days '' Since I was locked out of the account I was not able to see the transfer. After 3 days when it had not shown up in my primary bank, I called them back. They then told me " they couldn't transfer the money to the primary account ''. That they would set up a 3-way call in another 1-3 business days with my primary bank. It is just another ploy to keep my money which is none of their business. I want to move the money to another high yield savings with greater interest rates. I can not do anything with the money while XXXX XXXX holds it XXXX. I need the funds released and put back into my primary checking and for XXXX to mind its own business.
Product: Credit card or prepaid card

I am enrolled in automatic payments so that I can avoid late charges on my account. During a special low APR period I chose to make the minimum payment on my card because there would be no interest. Now that the trial APR period is over, I wish to make payments in a higher amount than the minimum, but not the entire balance. The online auto payment only gives the  two o ptions : minimum payment and full balance. I feel this is unfair to the consumer, encouraging the minimum payments on the credit card, costing the consumer the maximum amount. I have many accounts that allow a different amount than the minimum or entire balance. I calculate how many billing cycles will be needed to pay the balance and figure the monthly payment. They refused to change the online option and I was told this was standard for all their credit cards. I told them I would be filing a complaint with consumer finance. I feel this is set up for them to make more money and they could easily make this change for their online customers. Auto pay has saved my credit because I am never late on payments. However I also have good credit because I never make minimum payments on high interest credit cards.