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

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for XXXX, XXXX, or any furnisher of information to credit agencies to share my personal information. 

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports. 

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Credit card

XX/XX/year>, I had major fraud with my bank account and while the bank was resolving this fraud situation. another checking and debit card account was activated. I signed in to place my new checking account online with Barclaybank and it blew it out and did not allow it to hold in place of the old card. They kept calling me, could see on my caller id, and as soon as I answered they would hang up. I was consistently calling and checking my account in XXXX and XXXX. I spoke to XXXX separate people, I have witnesses, on XXXX occasions as they told me my payment was NSF. I advised that my accounts with XXXX XXXX XXXXXXXX had fraud on them and that I could not get my new checking account number to stay in the online portal, but that this was not NSF. I made a payment and then they would put it on hold for an extensive amount of time and then credit the payment back. Other payments I was trying to make stated " unable to locate. I was furious since customer service assisted me on XXXX separate occasions and should have made notes. I should have known when I opened this card that they charged me {$29.00}, and I had no idea until I got back from vacation and checked the card, no mailing or communications. My credit line was {$13000.00}. So at the end of XXXX they advised that I was 30 days late even though I was making payments and I was not since my payment was not due until the XXXX of the following month. So since I had a problem in less than 30 days, they banged my credit advising my account was past 30 days. Also, without checking my credit and seeing I have never had a late and my cards all carry high credit limits, they took it upon themselves to reduce my income to an amount that is absurd and reduce my credit line causing me to have a late, which I have disputed because it wasn't over 30 days and due to fraud. Moreover they took my limited down to where it almost put me over my credit limit. They said they would fix this situation but have done nothing. The last person I spoke to advised that this would be taken care of ; however, he just removed the late charge. Made a payment in XXXX after the customer service rep got the new checking account to stick in the portal. I made {$250.00} and another {$350.00}. Now I look and the payment for {$350.00} is on hold for whatever reason. This is the only credit card company I have had major issues with regarding the fraud I encountered. I never received anything in the mail about being late or through my email from them. Once they took my credit line down and charged me with being late, then I did receive a letter, only letter or correspondence from them. I have many cards and all have low balances and high limits. I am so fed up with the deceptive practices of Barclay Bank.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX for account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX to your agency. 
( XXXX, XXXX, Equifax ) and I believe that the entry is inaccurate, The payment in question is identified as } late but I do not believe that the creditor has followed the legal requirements to report it as such under the fair Credit reporting Act ( FCRA ) and related laws Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report " does not include reports that solely contain information regarding transactions or experience between a consumer and the person making the report. As such, any transaction or experience between myself and the company regarding this account should not be included in my consumer credit report. 

U.S Code 1681 a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for action If USAA can not provide the necessary proof of mailing or delivery of the required information, i request that the late payments and charge offs be deleted from my credit report. Failure to do so will be considered a violation of US code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take the appropriate action to remove the inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late Payments in XXXX : XXXX XXXX current. 
Thank you for your prompt attention to this matter. i look forward to your response and consideration that the disputed late payment entry has been removed.
Product: Credit card

I left the country back in XXXX 2016 and return to the United States in XXXX 2016, received an letter from Citibank say that I owe them {$270.00}. I have a positive balance of {$83.00} at the closing statement on XXXX/XXXX/2016. For no reason Citibank sent me a refund check in the amount of {$83.00} in XXXX, which till this date I still have not received them, and a notice from Citibank dated XXXX XXXX, 2016 was sent to me in regards to a stop payment of the check. The bank should never sent a refund check and started charging me late fees and interest base on my own calculation. Citibank now owes me {$26.00}, instead of me owing them {$270.00}.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted one main financial with the intention of obtaining a loan to assist with financial crisis due to covid and use funds to pay off credit cards as well as help keep my business afloat. During the approval process I was advised that I had a monthly payment of {$360.00} which was something I could afford as well as make additional payments to pay loan off quicker. After 2 years of payment monthly payment with an additional payment and not seeing my loan amount go down I learned that one main financial was actually charging interest daily verses monthly as I was advised during the time of approval. They continued to offer me more money which I did not take as I felt they were doing so to keep me paying longer terms which I did not agree upon. As I did the calculations and seemed advice through legal services instead of being able to pay my loan off in XXXX years with additional payments of would in fact be around 8 years. My loan was for $ XXXX. I was making monthly payments of {$400.00} to {$600.00} for XXXX years and my balance is sitting at around $ XXXX due to the daily interest I was not informed about during approval. My loan should be close to payoff and yet the amount continues to go up. Which has led me to stop making payments because I can not afford the daily interest I was not advised about during approval and my payments are not making a dent in the original amount approved. I feel taken advantage of.
Product: Checking or savings account

I was charged over hundreds of dollars on overdraft fees. Had tried at the time, but rhe bank same nothing can be done. As enormous time my check was frozen until mid if the upcoming week, " for funds to clear. '' A total disaster as i left the bank with a mindset to " never '' use wells fargo again.
Product: Credit reporting

Reviewing my credit report, I found that I have an account for collection from some agency. The original debt was from XXXX XXXX XXXX for {$87.00} and was posted for collection on my credit report on XXXX XXXX, 2015. I 've never done any business with XXXX XXXX and called them to inquire about this, they helped me out looking for any account opened in my name for the past year and they did n't find anything. I do n't know what else to do because I want to clean that bad report from my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The incorrectly reported accounts are comenity XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have specifically requested Asset Acceptance LLC to provide proof of debt owed, they have not provided any type of proof regarding this debt.
Product: Debt collection

XXXX Received an inaccurate bill ( {$620.00} ) for XXXX XXXX done on XX/XX/XXXX. I did not have this procedure done on this date. I called XXXX XXXX XXXX XXXX  as soon as I received the bill, spoke with XXXX XXXX and explained to him that the XXXX was actually done on XX/XX/XXXX, and I paid for it ( {$530.00} ). I sent him the receipt by email ( on XX/XX/XXXX ) and the mistaken bill was resolved. 

XX/XX/XXXX, I received a phone call from the billing department of XXXX XXXX stating that I still owed the mistaken bill of {$620.00}. I explained the situation again. I asked to speak to a supervisor and get it in writing that the issue was resolved. She told me that the supervisor would call me back but I never heard back. 

XXXX I receive another bill, but this time for a different amount ( {$520.00} ) for a XXXXXXXX that I did not receive on XX/XX/XXXX. I called and disputed the mistaken bill again. 

XXXX I received another copy of the same mistaken bill. 

XXXX I send a letter in writing, explaining that this XXXX was NOT performed, wrote out all of the communication that I took ( same as above ), and sent in a request to dispute the charges, remove the bill, and cease all communication with collections, I also included all receipts of letters and paid bills. I did not receive a response. 

XXXX Sent a second written letter to XXXX XXXX XXXX explaining the whole situation again, and sent in copies of all letters, bills, and receipts. I have not received a response. 

XXXX XXXX Received a letter from Progressive Management Systems XXXX stating that I still owed {$520.00}. I sent a letter ( XX/XX/XXXX ) explaining the mistaken bill and also sent all copies of letters, bills, and receipts to Progressive Management Systems. I have not received a response. 

XXXX Progressive Management Systems contacted all credit bureaus and reported a collections, which has now affected my credit report by decreasing it by XXXX points. I have just submitted an account dispute with XXXX. Progressive Management Systems have contacted the credit bureaus without trying to even resolve their mistake.
Product: Student loan

I have had multiple loan payments mishandled by Navient. They are either incorrectly entered, processed late, or not processed at all. All payments have gone directly to interest with no option to make payments on the principal balance, so my loans simply continue to grow. My payment amount have changed twice now despite having the same amount of monthly income, and I am on an income-based repayment plan. As it stands, my loans will never be paid off in my lifetime if I can not make any payments on the principal amount and my bills continue to increase.
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 XXXX XXXX I've disputed these accounts. 

On XX/XX/XXXX, I noticed unauthorized accounts on my credit report. I immediately contacted the companys customer service and credit bureaus to dispute the charge and was assured that it would be investigated. However, despite multiple follow-up calls and emails over the past six months, the accounts has not been removed, and I have not received any updates on the status of my disputes. Additionally, the company has continued to report this inaccurate information. This has negatively impacted my credit score and caused significant financial stress. I am seeking the removal of the unauthorized accounts showing on y credit report.
Product: Checking or savings account

On XX/XX/year> at XXXX I received a email from XXXX stating that they have suspended my account for absolutely NO REASON!!! I immediately filed a complaint with the company and waited till this morning to talk with XXXX XXXX agen to XXXX  she stated it would be another 3-5 business days for someone to begin to assist me further in my case not to mention ABSOLUTELY NO REASON SHE COULD TELL ME REGARDING MY CASE SHE HAD NO ANSWER FOR ME ON WHY MY ACCOUNT WAS SUSPENDED. they locked all my funds up and will not let me transfer in or out. This isn't right!!!! This is illegal!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to safeguard my credit.The accounts in question are as follows : 1. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1000.00} 2. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$380.00} 3. XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$100.00} 4. XXXX & XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$240.00}
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent accounts added to my consumer report. 

On XX/XX/year>, I got an alert from my bank credit monitoring app indicating a new account was added to my XXXX consumer report from a company named XXXX XXXX XXXX ACCOUNT # XXXX I never had a contract with this company. On XX/XX/year>, I placed a fraud alert on my consumer report proof enclosed in the CFPB complaint. 
Reporting Act outlines the rights of identity theft victims, those who are identity theft victims : Block fraudulent information from your credit report Stop a company from reporting information resulting from identity theft. 

Enclosed are copies of relevant documents to support my complaint, including a copy of the credit report showing the fraudulent account and my identification documents. 

I am demanding a deletion of the following account : XXXX XXXX XXXX ACCOUNT # XXXX
Product: Money transfer, virtual currency, or money service

CASHAPP is a horrible company. I thought my money was safe. I thought my investments were safe. I had about {$300.00} in bitcoin sitting in my cashapp. Also about {$50.00} cash sitting in the account. One day XXXX XX/XX/XXXX ) I got an alert saying thank you for your XXXX $ purchase of bitcoin. I said HUH? Then I go to check and it said I was logged out of cash app. Someone hacked into it. Then after hours of trying to gain owner ship again, I seen that hackers took my original XXXX plus the new XXXX $ of bitcoin and sent it to their account. Very sophisticated scammers apparently. I personally believe this seems like an inside job because of the convenience and intelligence of the situation, also the commonality. It happens to quite a few people for small amounts but this was XXXX XXXX I was on the phone emailing, waiting for call backs for weeks. Here we are 25 days later and still no response. They always respond with a generic long email asking to fill out 10 questions which I answered already 6x. No moving forward after that 1 email. I give up. I take the loss I guess. Your money is not safe with cashapp/square company I guess. All I wanted was them to see where this money got sent to. I dont think that is too much to ask?
Product: Credit reporting or other personal consumer reports

I received three hard inquiries across the 3 credit bureaus within 3 days. All of which I did not request or approve. I have not done anything recently to warrant any inquiries on my account. 

First inquiry - XX/XX/year> from XXXX XXXX XXXX on my XXXX report. Address listed for the credit union on my report is XXXX XXXX XXXX XXXX MD XXXX Ph : XXXX XXXX I called the bank and they were not able to help me and I was told to contact XXXX. I started a dispute with XXXX but have not heard back yet. 


Second Inquiry - XX/XX/year> from XXXX XXXX on my XXXX report. Address listed for this business is XXXX XXXX XXXX XXXX, Georgia XXXX Ph : XXXX. 
Per XXXX, I sent an e-mail to XXXX XXXX asking them to send a letter to XXXX to ask the inquiry be removed from my account as it was not requested by me. XXXX told me they will not accept a dispute without a letter from the institution the inquiry came from. So far, nothing has happened with this yet. 


Third Inquiry - XX/XX/year> from XXXX XXXX on Experian Credit report. Address listed for this Credit Union is XXXX XXXX XXXX  XXXX  XXXX XXXX, TXXXXX Ph : ( XXXX ) XXXX XXXX | had never checked mv Experian credit report before until just now when I noticed the other two inquiries. When trying to access Experian for the first time, it was determined by myself and the customer service rep I was speaking to that the address of this financial institution was somehow also hooked to my account information as my personal address. I have never lived outside of MD so the TX address caught my eye immediately. This Rep was able to very quickly address the dispute and I believe that one is already resolved.