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 I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Product: Money transfer, virtual currency, or money service

Ive contacted Way2Go on several occasions and they stated there records do not show any mismanagement of funds on my account nor have I been overcharged by several companies. This is completely false and clearly shows that certain companies have credited back their Processing hold on my account. Theres over {$600.00} now being held under processing in which Way2Go, Conduent, refuses to release the hold.
Product: Credit reporting or other personal consumer reports

Complaint and dispute against EQUIFAX for violating my rights as a consumer by reporting on my consumer report an EXCLUSION in accordance with 15 US Code 1681a. An item listed with XXXX XXXXXXXX XXXX ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit card or prepaid card

On Sunday, XX/XX/XXXX, I called Citibank Online Support to link my wife 's CitiAdvantage card to our joint checking account to activate auto-pay and paperless billing, which I had already done with my CitiAdvantage card. I gave the young lady all the info requested. She said something about sending my wife a new card. I found this unusual but figured she knew what she was doing. Following the conversation I received an email confirming that my wife was added to my credit card account as an additional authorized user. I immediately called back and spoke to another individual which cancelled that action and connected me to someone else who immediately handled my original request, something she was not equipped to do. Today, XX/XX/XXXX, I called again to confirm that no cards were being sent to me. Before I could speak to someone I heard a recording saying a card was in the mail. When I finally reached a person again I asked about this and was told it was a replacement card in my name. I cancelled that and asked for a confirmation email, something I had neglected to do with my second phone call. I was told I would be receiving it shortly. As of this moment I have received nothing and fully expect to receive that replacement card in the mail.
Product: Debt collection

Good Morning everyone! Listen, I was going back and forth with a MEDICAL collection account for XXXX XXXX that was supposed to be handled by them and noticed that it was placed on my credit report. I called PETER ROBERTS & ASSO and they said that if I pay it they will remove it from my credit in a couple of weeks on their next reporting cycle. I paid it under pressure because I'm in the process of buying a house I honestly don't want to deal with my insurance company and i can appreciate if you guys can expedite and delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There is an incorrect hard credit inquiry from XXXXCards on my Experian file. After trying to work with them for over an hour on the phone, the Experian rep wouldn't even take my dispute even though XXXX cards specifically told me to reach out to Experian to get this resolved. This is urgent. Can you please help get this resolved?
Product: Credit card

I am reaching out to the CFPB for helping regarding a closed account with JPMCB. I XXXX XXXX had my credit card account abruptly closed with Chase with no reasoning or explanation as to why they closed my credit card. Following with the closing of my account Chase had additionally locked my access to their Chase app after closing my account. Not only this although Chase shut down my account and locked me out of their app they still continued to charge me the annual fee for their credit card that was opened on XX/XX/XXXX. This incurred me to receive late payment remark ( s ) from XX/XX/XXXX all the way to XX/XX/XXXX. I finally called them to notify them of this as they have marked me with XXXX late payment ( s ) and completely and utterly destroyed my credit and I am only XXXX XXXX XXXX. I barely graduated college and Chase has destroyed my credit rating severely with no regard. This has left me in emotional anguish and distress because I don't even have a auto loan yet and I am already behind the ball with a bank I thought had my best interest ( s ) in mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found two hard inquiries on my XXXX credit report, one for Citibank on XX/XX/XXXX, the other for XXXX XXXX in XX/XX/XXXX. Both of these brought down my score and I have no association with them whatsoever. I believe someone used my information to finance some furniture or open up a new card.
Product: Debt collection

Dana & Prasier Co, LPA is the Collection Agency that XXXX XXXX XXXX XXXX, XXXX is using to collect on XXXX XXXX XXXX XXXX XXXXr bills that are not owed and have even threatened to evict or have evicted tenants tat do not pay. Even if you do pay the water bill XXXX uses the collection agency Attorneys to evict tenants anyway like they did me. I had to agree to an Agreed Entry and be out of my old address by XX/XX/22 at XXXXXXXX XXXX or that Agreed Entry would automatically turn into an eviction that would ruin my rental history and credit. 

I was told by at least two Attorneys ( XXXX XXXX, Ohio Legal Aide and XXXX XXXX, XXXX XXXX, XXXX, Ohio ) that collections on old water bills that aren't proven as actually OWED by the tenant themselves is ILLEGAL which means that Dana & Praisers Attorney, XXXX XXXX, had o to of kown that too and yet their company continued to collect on the debt.I tried for over a year to settle the matter wih their client, my old landlord, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) and she only communicated by email one time then after that never would go over the bill again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling the company to make things easier and was willing to pay the debt if they would remove from my credit report. Their response was no and asked for payment and I then stated I would not be making a payment because I was not sure the debt was mine. I have never had a contract with this company and this account from the original creditor should be closed as a charged off
Product: Money transfer, virtual currency, or money service

XX/XX/18 I deposited {$2000.00} as an opening deposit for a new PNC bank account. The money was deducted from my outside other bank account but was never placed in the new PNC account. After 3 weeks of talking to PNC agents they informed me the money was at first " lost '' and then later jumped to say it was sent back to my original count. One agent told me the money was sent to a " XXXX account '' and I do not even have an account with this provider. It is XXXX XXXX the money originated from. Thus proving they sent the money back to a wrong account not owned by myself. After weeks of waiting and conversing with my main bank account provider- they informed me it was never sent back. PNC will not cover this {$2000.00} that they lost and will not give me any help. They told me to do a charge back at my original bank and I believe this is wrong and completely unnecessary because the money was mishandled in the hands of PNC. PNC bank should be the ones to reimburse me the lost money.
Product: Bank account or service

Chase wrongfully closed my checking and savings account due to " unusual activity. '' I deposited XXXX checks that I believe may be the reason they closed my accounts. The XXXX checks were : ( 1 ) {$1900.00} issued upon cancelling my insurance from XXXX XXXX XXXX XXXX, and ( 2 ) a {$6900.00} cashier 's check from XXXX Bank as payment for consulting work I did for a contractor installing medical equipment. XXXX checks should be valid. My statements showed the checks were cashed on XXXX XXXX 2015. A letter from Chase, dated XXXX XXXX 2015, instructed that my accounts would be closed because of either unusual activity or because Chase had not received certain information from me. The letter instructs that they will verify all deposits and payments and then take another 10 days to issue my funds back to me. 

I am a retiree and need those funds. I did not find out about the closure until I went into a branch and the teller informed me. 

I tried calling the number provided in the Chase letter, XXXX, but they kept forwarding me and putting me on hold until I gave up. I made several attempts. I consulted with a legal assistance attorney at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX XXXX who called the same number for me. But Chase refused to speak with him or I because I consulted with an attorney. Chase refused to provide him with their written policy. 

I do not have the contact information for the contractor who hired me and who gave me the cashier 's check. 

My statements, the letter, and the checks will be attached. Thank you.
Product: Checking or savings account

CIT Bank, NA, closed my account on XX/XX/2022 for no reason given with no warning and for no issue I can discern. I had a cash balance in this money market account of {$110000.00} ( rounded ) and they paid out by check the full balance plus {$63.00} ( rounded ) for the XX/XX/2022 accrued interest ( total of {$110000.00} ( rounded ) ). They sent me 2 letters saying I had to pay back the {$63.00} ( rounded ) interest without providing me with final statements or any additional details as to why and at the time I had no knowledge the {$62.00} they were asking for was because they believed they didn't have to pay me interest. The 2nd letter arrived on XX/XX/2022, AFTER this unpaid claim was filed with XXXX. I called XXXX both times I received a letter immediately and asked them how to pay the reported but unexplained {$63.00} ( rounded ) and in both cases ( plus a 3rd additional call ) I was told to ignore the letter it was sent in error and there was no missing balance on my account so any check I submitted would not be credited against my account. The 2nd call was routed to the fraud department which informed me there was no issue and I shouldn't worry. Please remove this erroneous and unfair mark. I have worked hard and saved plenty of money and {$62.00} ( rounded ) is not a meaningful amount to me, I will happily pay it off to remove the issue which is now affecting my XXXX rating- albeit, it's an unfair charge which XXXX is leveling to me and makes no sense since they closed my account and sent me a check for all the funds in the account. 

The entire issue caused me missed work, caused me fees for having insufficient funds at another financial firm on time ( I paid those fees because I don't have issue with covering fees I owe ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes in the past to have the account reported under XXXXXXXX XXXX XXXX  removed from my credit reports due to being inaccurate. I contacted XXXXXXXX XXXX XXXX  to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXXXXXX XXXX XXXX  but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Checking or savings account

The politically, recklessly and knowingly '' closing HSBCs direct Deposit Acct ends in XXXX ( bankcard ends in XXXX ) and Acct ends in XXXX ( bankcard ends in XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one is reporting 3 missed payments. This is incorrect. I have made all my payments and have paid extra. They are reporting XX/XX/XXXX, XXXX & XXXX as missed to all three credit companies. 

I made a {$5.00} payment in XXXX, a {$200.00} payment in XXXX, {$50.00} payment in XXXX & {$66.00} in XXXX, {$25.00} in XXXX & {$50.00} in XXXX That is a total amount of {$400.00} dollars. at my min payment of {$25.00} a month I have overpaid this year so far {$170.00} dollars.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate XXXX late payment reported by Midland Mortgage on my credit report for XX/XX/XXXX. This error has negatively impacted my XXXX XXXX. Despite providing evidence of timely payments and requesting correction, the erroneous delinquency remains. The payments made were {$3500.00} on XX/XX/XXXX for XXXX, {$3500.00} on XX/XX/XXXX for XXXX, {$880.00} on XX/XX/XXXX toward XXXX, {$880.00} on XX/XX/XXXX toward XXXX, and {$1700.00} on XX/XX/XXXX to balance out XXXX 's amount due. Not only did I pay XXXX on time, I called to bring the account current in XXXX, but XXXX Mortgage did not initiate the payment. I had to call back in XXXX to request again that the payment be made. I request your office to investigate and take appropriate action to correct my credit report. Thank you for your assistance.
Product: Debt collection

As of XX/XX/2019 my credit report was open and then it was reported on XX/XX/2019 without my consent I did not give any permissble prior to the law of 15 usc 1692g I DEMAND and DISPUTE validation or any debts or any portion thereof, the debt will be assumed to be valid by the debt collector.
Product: Credit reporting or other personal consumer reports

I am disputing the following negative items that continue to appear on my credit report : XXXX - XXXX - {$0.00} XXXXXX/XX/XXXX XXXX - {$4400.00} These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.
Product: Mortgage

Rushmore Loan Management is ruining my credit : They are saying I missed Payments for XXXX and XXXX of 2022 when I did send checks and they did acknowledge ( I have check numbers and everything ). They are also saying I'm 30 days late for XXXX when it's only XX/XX/XXXX and I did make a payment. 

Rushmore Loan Management is the worst company to handle mortgages. I believe they are doing this intentionally.
Product: Debt collection

After reviewing my updated credit report, I am appalled at CAPITAL ONE/WMT repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. 
As a XXXX XXXXXXXX XXXX XXXX  I understand firsthand how systemic financial challenges compound these situations. These fraudulent entries are actively preventing me from accessing opportunities and credit that I need to build a stable future for my family. Under 15 U.S. Code 1681c2, XXXX is legally obligated to block and remove fraudulent information within 4 business days of receiving my identity theft documentation. Your failure to act is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Please remove unauthorized/fraudulent account Fraudulent Accounts : CAPITAL ONE/WMT Account Number : XXXX Balance : {$1500.00} Date Opened : XX/XX/year> Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above. XXXX must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. I also demand that XXXX conduct a manual investigation, as reliance on automated systems like e-Oscar is unacceptable and violates my rights. 

For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer 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, the dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$7900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX  was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, Consumer Portfolio S, XXXX XXXX XXXX, XXXX, XXXX, I did not get another vehicle and would like these inquiries removed from my credit file.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX