23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account : XXXX XXXX XXXX XXXX has violated my rights and sent me to collections of XXXX 15U.S.C 1681 section 602 A states I have a right to privacy.

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

15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency can make any reports containing any of the following items of information. Any adverse item or information other than records or conviction to crime which atendates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or have any reasonable cause to believe that the information is inaccurate.

Also my hippa law was violated
Product: Credit reporting or other personal consumer reports

I have observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Despite these deviations, I refute your allegations and challenge you to furnish evidence supporting your right to report this incomplete negative information on my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information with integrity and accuracy, along with conducting reasonable investigations of consumer disputes.

As outlined in the Credit Reporting Resource Guide ( CRRG ), any deviation from reporting standards jeopardizes the integrity of the data. This implies that reporting errors can compromise the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I am formally challenging these claims and requesting proof of proper reporting standards.

Your actions are a violation of my rights, and I have outlined the concerns about your reporting in this document. The incomplete and non-compliant nature of the report fails to meet legal standards, necessitating certification of all aspects of required FCRA/Metro 2 compliance. Failure to comply will result in escalating these issues to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I recently applied for and received an American Express XXXX XXXX. This card is advertised to earn 4X Membership Rewards for Restaurants. My last statement has multiple restaurant charges that DO NOT earn the advertised 4X. I contacted American Express about these discrepancies and was told that these charges did not earn 4X because the restaurant did meet the criteria. However, the charge is clearly labeled Restaurant : Restaurant by American Express 's own data. 

During the Chat - American Express would only look at individual charges and NOT all the Restaurant : Restaurant charges that did not earn the 4X.
Product: Credit card

On or about XX/XX/year>, I, the consumer and natural person, was denied credit by American Express National Bank, when I, in good faith, exercised my right to credit and applied for The American Express Platinum Card. 

According to the equal credit opportunity act an adverse action against the consumers interest is against the law ( 15 USC 1681a ( k ) ( 1 ) ( A ) which is codified in 15 USC 1691.

Due to the response I received from American Express National Bank, the adverse action letter, is prima facie evidence as it provides proof that I was discriminated against according to 15 USC 1691.

American Express National Bank is in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002 because I, the consumer, submitted an application in good faith, but credit was not extended.

Furthermore, because my social security ( SSN ) card, which according to 15 USC 1602 ( l ) is defined as a credit card, was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express National Bank.

I have reached out to American Express National Bank to try to resolve and/or gain additional information relating to the denial of the extension of my own credit. American Express National Bank has failed to take any reasonable procedure to resolve this matter or compensate me for the use of my credit card.

I believe that American Express National Bank knowingly engaged in a scheme that violates the Equal Credit Opportunity Act and involves misrepresentation. I also believe American Express National Bank engaged in fraudulent practices to deny credit and mislead me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened nor have done any business with Nieman Marcus. 

They are reporting me late to the credit bureaus
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these inquiries are mine, Please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

this bill was supposed to be covered by XXXX XXXX, which i presented at the time of my visit. when i called the number for collections through care point she said they submitted to XXXX which i had. At that time it would've been through XXXX XXXX XXXX plan which i presented at the time of the visit. I've tried talking with care point because i don't think they went through my medical insurance but they gave me different numbers to the hospital. and was back and forth between the hospital and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Company is operating unlawfully by promoting products to increase your credit score that will earn Experian extra money. This is a conflict of interest and clearly demonstrates that they are operating unfairly and punishing those who opt out of their fee for service options. In addition, they are offering a boost to your score only if you provide confidential banking information to them. It is not possible to obtain this boost unless you provide bank routing and account numbers to Experian, which places this secure information at risk. My credit score continues to be low because of these acts by Experian even though I have a 32 year history of never paying a bill late, have an income to debt ratio below 35 % and have no negative reports from anyone concerning my credit worthiness. Experian 's actions to suppress my credit score because I refuse to sign up for their fee for service programs have cost me thousands of dollars in extra interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax to complain about them putting incorrect information on my credit report that I am disputing all or most of the 8 accounts that I have I called them on the XXXX of XXXX and today on the XXXX of XXXX and was told that they corrected everything on the XXXX but I was lied to about that and then today same thing all I want is to have the information that they put down corrected I wish you can give me advice on how to sue them and take legal action against them I want them to fix everything on my report or I will do everything I can to sue them they have messed up most of my accounts and now I have to call all of them and tell them I am not disputing anything please get them to fix this mess that they created
Product: Debt collection

XX/XX/XXXX I was contacted by XXXX XXXX XXXX in regard to a Citibank/Amex card that was settled back in XX/XX/XXXX. This is the second time in the last two months I have been contacted by a collection agency for this debt. I settled for less than I owed with the creditor/collection agency - XXXX XXXX XXXX on XX/XX/XXXX. The two calls I recently received are for the balance of what was due back then. I was told that they had mailed me correspondence and since I hadn't responded it was being referred to an attorney. I have never received any correspondence, just phone calls in regard to this. Both times I have spoken to someone, I have been told that they would update my record and if there was anything further required, I would be contacted. I went through an attorney for this debt settlement, as I had several debts that I settled. I can not go to her for help with this because she is no longer practicing.
Product: Student loan

Made a payment on XX/XX/XXXX covering the full loan amount + interest. The payment was reversed on XX/XX/XXXX despite having the status of " received '' on my account portal for aidvantage. There were no charges on my bank account and I confirmed with my bank that nothing was denied by my bank and that my bank had never received any charges from Aidvantage. 

Upon checking my inbox in the aidvantage portal, I saw there were messages from Aidvantage saying that they could not locate my bank account so assuming that I had mistakenly entered my bank account info, I deleted my bank account from my Aidvantage account and carefully re-entered my checkings account information. 

Following this, I sent a payment on XX/XX/XXXX ( only noticed the reversed payment on XX/XX/XXXX ), covering the full loan amount + the newly accrued interest. The payment was reversed again on XX/XX/XXXX despite seeing a " received '' status on the loan again. No charges on my bank account. And to top it off, there was no correspondence from Aidvantage as to why my payment was " reversed ''. 

I just sent another payment on XX/XX/XXXX for the full loan amount + the newly accrued interest which is currently in the " processing '' status. 

Throughout this whole process, I've emailed Aidvantage twice, called once and have not been able to get any help from their help line.
Product: Debt collection

Argon collection in I believe XXXX XXXX NV. Won't stop calling from different numbers I keeps blocking them and a new number. I've asked them repeatedly to stop calling. When they call they will not tell me which company there even attempting to collect for, they just keep saying verify your birthdate and ssn it sounds like a scam. I've worked XXXX party collection and have studied they FDCPA for years they are representing them self in a shady unprofessional way. I have a current credit report my accounts are all clear or closed my debt is not effecting my credit. They have threatened my credit score and won't even tell me for which company there attempting to collect for unless I blindly give them all my vituals. I'm over it they should be fined and out of business.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/2023, I made a mobile deposit of {$21000.00} to my Wells Fargo checking account, but the funds did not credit to my account. The check was issued from XXXX XXXX. I contacted XXXX XXXX to verify if the funds had been withdrawn from my account. They confirmed that the funds were indeed moved out on XXXX/XXXX/2023. The details from XXXX XXXX show that the funds were sent to an irrelevant account ( acct # XXXX ) at Wells Fargo. 

The case is straightforward : I still possess the physical check, and it has not been stolen or deposited by anyone else. The copy provided by XXXX XXXX shows only my signature on the back, indicating it was not authorized to be credited to anyone else 's account. If the funds were transferred to Wells Fargo with my signature on the check, they should have been credited to my account. I initially reached out to Wells Fargo 's customer service with the information regarding the check deposit and the missing funds, but customer service refused to file a case for me. I had to escalate to the XXXX XXXX XXXX and also filed an XXXX Complaint. However, Wells Fargo repeatedly tells me there was no deposit to my account on that day. 

I am unsure if this issue arose due to a mistake or a system error within Wells Fargo, but they have not conducted any further investigation beyond checking my account and informing me that no deposit was made on that day. They have shown no intention to rectify the situation, as opposed to XXXX XXXX, who filed the claim on my behalf with Wells Fargo and follow up with me every week to check on the status. 

From a XXXX search for " mobile deposit fund disappear, '' the top XXXX result returned shows people complaining about the same issue at Wells Fargo. It is apparent that I am not the only one who has suffered from this issue at Wells Fargo, while Wells Fargo has been acting very passively on this case. 

The evidence I am presenting includes : The operation page copy from XXXX XXXX for the deposit and check clearing. 
A letter from XXXX XXXX regarding the missing funds. 
A response from Wells Fargo stating no deposit was made into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Debt collection

A debt collection company by the name of NATIONAL CREDIT ADJUSTERS reporting an alleged debt on my consumer reports. I, XXXX XXXX am unfamiliar with this debt. I was not given enough information regarding this debt, and I was not given the opportunity to dispute this alleged debt. I was not given any disclosures regarding this debt collection company. NATIONAL CREDIT ADJUSTERS is ruining my reputation per 15 USC 1692d ( 1 ) parking this alleged debt on my consumer report with all three consumer reporting agencies. This company is giving off implications that they may be an attorney. This is reflecting on my XXXX consumer disclosure report. A violation of 15 USC 1692e3. This company is also not licensed to collect in the state of Tennessee. A violation of Tennessee Code 62-20-105. This is abusive deceptive behavior. This is not the first time this company has been abusive. This company has been sued regarding multiple offenses of abusive deceptive behavior.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  XXXX BANK # XXXX XXXX XXXX BANK # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX BANK XXXX XX/XX/2022 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 of 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 reviewed my consumer reports and noticed that I had late payments, charge offs, and repossession on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and 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

I am re writing to bring to your attention AGAIN! that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : XXXX XXXX, XXXX DISCOVER BANK addresses : XXXX XXXX XXXX XXXX XXXX oh XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Verification of Incorrect Late Payment XX/XX/year>. 

Dear Experian, I am writing to formally request all information used by your bureau to verify the inaccurate late payment reported on my credit file related to XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, any unverified and inaccurate information must be removed immediately. 

Please provide me with all details your office utilized to verify this incorrect late payment, including, but not limited to, information from public record websites or any third-party vendors involved in this verification process. Specifically, I would like the following information : - Names of the companies involved - Addresses of these companies - Phone numbers- Websites of the third-party vendors If there is a failure to comply with this request to produce evidence of the METRO 2 COMPLAINT removal request, I expect this account to be updated as paid. If necessary, instruct my legal team to file a complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Florida Attorney General. We may also pursue any further legal actions deemed necessary, including civil and punitive damages. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had a fraud on my debt card .In which I have spoken to the bank. The first time we spoke they said it looks like a mobile app service used your debt card to buy things ( over {$600.00} ). 
The bank made a fraud claim notice it wasn't me and denied my claim The bank is santander They didn't try to fix the problem. 
They told they denied the claim for insufficient reason. 
That the description didn't mention why or how they stole my information It's fraud who knows Santander is the worst bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a short term loan with Moneylion on XX/XX/XXXX in the amount of {$500.00}, I made a payment of {$100.00} on XX/XX/XXXX and unfortunately defaulted on the remaining balance. I contacted Moneylion on XX/XX/XXXX and made a payment of {$200.00}, and on XX/XX/XXXX, made another payment of {$300.00}. 

Both payments have not been reflected on my Moneylion account and they are not reflected on all my credit reports. Moneylion is reporting this account as a " charge off '' to XXXX, as a " charged off as bad debt '' to XXXX and " unpaid balance reported as a loss by credit grantor '' to XXXX. 

I have called Moneylion several times about their credit reporting and was told that there was nothing they could do about how the agencies report. Please help me.