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

XXXX XXXX financial is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously
Product: Checking or savings account

I attempted to open an account online with Vio Bank and tried to fund it from my XXXX XXXX account . When I called XXXX, they had to verify additional information with Vio so we both got on the line with MidFirst Bank. The MidFirst Bank representative was incredibly rude to me and he put me and the XXXX rep over to Vio Bank. When the Vio Bank came on the line, I told her I was not going to proceed to open the account as the MidFirst Bank rep was snotty and rude. She said ok, she'd close the account. That should've been the end of it. 

To date, I'm receiving a slow drip of emails as an, " Online Banking Alert - Account Verification Required. '' I've replied to these emails XXXX  to stop send them to me and they continue to auto send. The reply I've gotten from the reps is to call in and verify my information so they can further assist. Today ( XXXX ) I called in and the rep was once again totally unhelpful. He told me I had to have logged into their online banking and I'd need to do so again to shut off alerts. I told him I never got that far with his bank and he needed to stop sending me these alerts. He then said he'd verify me through his system and try and help. He asked for a lot of information : Full name, SSN, DOB, date account was opened, funding source, funding amount, and a few other things. I provided what I knew - my full name, dob, SSN, funding account and told him, " I don't know '' for the other items. He said he couldn't verify me through and I'd need to hang up, research the things I didn't know and call them back. That is totally ridiculous. I was able to provide my most sensitive information and couldn't provide the date the account was opened or the amount from months ago on a never fully opened and funded account? This is bad practice and these emails are harassment at this point. I've received numerous emails from their automated system to fund an account that is closed and have no options to make it stop. 

The rep today told me to log into their online banking and shut off the alerts. I don't have any information to do so, but tried all user IDs I would normally use and tried the Forgot Username? link on their site. Since I've never logged in, the system is saying, " Verification Unsuccessful '', so there is nothing I can do with these harassing emails but to close an email address that I've had opened for XXXX years. They also emailed me my account number not using any security methods or practices. That's scary and totally bad practice. 

I will never do business with Vio Bank or MidFirst Bank ever. This has been a terrible experience and I've been senior management at banks across the country for XXXX years. I should not have to stop spam marketing alerts or funding account alerts from a bank I told to go away and was confirmed on the phone with me that the account was closed.
Product: Checking or savings account

On or about XX/XX/year>, I attempted to use Cash App to send funds to someone. The transaction was declined although there was enough money already on my cash app to make this transaction. I then attempted to close my cash app out and try again and received the same message of the transaction being declined. At this time I attempted to withdraw my funds and received the same message that it was declined. I reached out to Cash App support and they advised they could not provide any information that it was escalated to their specialty team and I should wait for an email within 7 days. I waited until XX/XX/year> and reached out again and was told them same thing. So I waited XX/XX/year> and reached out again and the support team member told me that he had no update and was disconnecting the Chat. I reached out the via phone the next day and requested a manager and was told that one would contact me back. I waited patiently and 3 days later I received an email from a " no reply '' email that stated " your issue has been escalated, and you will receive an update as soon as possible '' - management team. I waited until XX/XX/year> and reached back out and received the same response that they couldn't provide an update. I then received an email on XX/XX/year>, that stated that " referring to your recent complaint, we want to inform you that it will tkae longer than the original time frame of XXXX business days to resolve. You can expect to receive our response within XXXX business day from today. '' Although it had already been much longer than 15 days. I reached back out again on XX/XX/year> and received the same answer that the " Specialty Team '' has not provided an update. I have requested that they release my money to me and just close the account and I was told they couldn't do that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several attempts to get the credit bureau to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XX/XX/2022. Since then I have made XXXX additional attempts in writing and by phone. They have also denied me my right by law to have all inquiries removed from my credit report that were not made with my knowledge of what was happening. Many companies use unfair and illegal tactics to have access to my credit as I explained to this credit bureau and they did not respond. I plan to send XXXX last letter in an attempt to correct this issue in conjunction with this letter. 

I want to be clear that 15UFC6802 states that 15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

15CFR313 16CFR433.2 16CFR433.3 I have become homeless and not able to obtain a new home for me and my children as a result of credit bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the credit bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.
Product: Credit card or prepaid card

XXXX XXXX sent me an offer via mail for the XXXX XXXX XXXX XXXX XXXX an 8.99 % fixed APR on transfers made within the first XXXX billing cycles. The cards are issued by First Bankcard. I was provided a " XXXX XXXX '' & the option to apply online at the following web address : yourbankcard.com. 
I applied online & never received any information stating that I was approved, much less the credit limit I was approved for. I was never sent an email confirmation or anything similar. 
Not too long after that, I received credit cards in the mail in my & my husband 's names w/ instructions on how to active them. On XXXX XXXX, I called the phone number listed on the card to get more details & it was then that I discovered the card 's limit & that the card was already assigned to me - as in tied into my credit. I talked to a rep & informed him that until my call, I was unaware of the credit limit assigned. Had I known, I would have declined the card. I needed to transfer more than twice the amount XXXX XXXX  assigned as the limit. He & I went back & forth on the difference between " applying for '' an offer & " accepting '' an offer. I find it hard to believe that someone 's application process serves as an agreement to terms that are n't provided. I do n't believe it 's moral to provide partial information to lure someone to apply for something & use the application as a binding agreement to unstated terms. 
The XXXX rep I talked to on XXXX XXXX said the terms were provided during the application process, yet when I asked for a copy of the terms he was referencing, he nor his supervisor were able to supply them. Furthermore, I was told that " if the terms were n't provided during the application process, they would have been sent with the credit cards. '' However, that 's my point : I do n't want to discover the terms after I 'm already committed to it. I want to know the terms ahead of time so I can decide if the offer fits my needs. I want this card removed from my credit history all together, not just closed. 
In addition, my smartphone will not clear data from the website " yourbankcard.com. '' I 've even conducted a hard reset, yet that website retains the same amount of data. I applied for the card on my laptop, & my phone is n't synced to the laptop. Any insight on removing this data would be appreciated as well.
Product: Checking or savings account

On XX/XX/2021 Discover Bank closed my savings account containing a balance of {$10000.00}. They provided no reason on why they closed my account. 
After contacting them several times regarding returning my {$10000.00} back to me they are telling me that it will take 60 to 90 days before they send a check back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Credit Acceptance Corporation ( CAC ) has not enabled a change in my credit report to allow for my mortgage to go thru, my best bet is to file a Chapter XXXX Bankruptcy to clear the course of action in returns to my report which will allow for a twelve month period of no lates or dings in order to go forward in our mortgage attempt. In addition, a company such as CAC has an option to move the payments which became late to the end of the contract instead of increasing the payment from {$470.00} to {$520.00}. This ploy affects my personal budget. My Bankruptcy attorney is XXXX XXXX and he will also serve as attorney for my daughter XXXX XXXX in her Chapter XXXX filing, she as owner of the XXXX XXXX XXXXXXXX XXXX, and me as her co-signer..
Product: Credit card or prepaid card

I opened a Citi Financial Credit Card/ co-branded XXXX credit card ( XXXX  ), on XX/XX/2020. I used the card to make one purchase. Due to COVID and mail delays, I never received a statement nor knew that a payment was due. As soon as I was made aware that a late payment was due on XX/XX/2020, I paid the balance in full.
Product: Student loan

Mohela put me in Forbearance on XX/XX/XXXX due to SAVE lawsuit. However, I was under and I am still under standard repayment plan. I applied for XXXX in XX/XX/XXXX and was denied after I provided all the required information. Mohela stated that I did not provide my husband 's tax information, however, I provided it many times. They lost my spouse 's tax information repeatedly or just never processed it. I tried calling them for months and would have to wait on hold for over three hours to speak to someone. They sent me a letter in XXXX that stated that I never provided the requested information. I did repeatedly. I reapplied for XXXX on XX/XX/XXXX after I was put in forbearance on XX/XX/XXXX. I still do not know why I was put in forbearance on XX/XX/XXXX when I was in standard repayment plan and they backdated it to XXXX after they collected my payments. I asked, but I was never given an answer.
Product: Credit reporting or other personal consumer reports

Messages 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 ( XXXX XXXX XXXXXXXX ) 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.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5300.00} Collection Inquiries XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I was in my local branch of Fifth Third bank where I am an account holder requesting a cash advance on my credit card. A manager overheard me speaking with the teller and offered to open me a line of credit instead. He suggested a XXXX limit and I agreed. I had the line of credit that day. In XX/XX/XXXX I received the attached letter from Fifth Third suspending my line of credit. As I was not aware of any changes to my credit history, I went to the local branch and spoke with the manager. He immediately checked my credit in is office and agreed there were no changes and asked me for the letter so he could research it. The following week, having heard nothing, I called the manager, XXXX XXXX. He told me the reason for the suspension was that I 'had used a large amount of my credit line '. I then asked him for the letter back and he said he would find it and call me back. A week later when I called, I was told the letter was " shredded ''. I asked him to get me another copy, and after waiting several weeks I contacted XXXX XXXX on XXXX XXXX at Fifth Third headquarters who said she was working on getting me a copy. I finally received the attached copy several days later. I then contacted XXXX XXXX  XXXX  as the Fifth Third letter recommended and requested a copy of my credit report ( attached ). The credit report showed NONE of the factors referenced in the Fifth Third letter. I then called Fifth Thirds lending department in XXXX to ask about the discrepancy and was told I could not dispute the suspension even if it was in error. On XX/XX/XXXX I sent the attached letter certified mail to Fifth Third and received confirmation it was from the US Post office. ( receipt attached ). Almost three weeks later I had not received a response to my letter and called Fifth Third again on XX/XX/XXXX at XXXX XXXX  and spoke with XXXX who referred me to her manager XXXX. XXXX confirmed they had received the letter and that it had been assigned to case manager XXXX. She told me he was on another call but took my phone number and said he would call me as soon as he finished. I have not heard from anyone at Fifth Third.
Product: Credit reporting or other personal consumer reports

Hello CFBP I have seen multiple inquiries on my credit profile that I dont recognize. 

Under the federal law, I am protected against any type of identity theft and bad use of my credit profile. 

I did not give my permission for those lenders to run my credit. 

Those inquiries are affecting my credit score and are not letting me get the best options for credit cards and loans. 

I will describe the inquiries as follows : XXXX CREDIT REPORT SHOWS : 1. XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3 . XXXX XXXX XXXX  XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. BANK OF AMERICA XX/XX/XXXX 7.XXXX XX/XX/XXXX 8. BANK OF AMERICA XX/XX/XXXX 9.XXXX  XXXX  XX/XX/XXXX ON XXXX CREDIT REPORT 1. XXXX XX/XX/XXXX As I mentioned before my permission was not given to those lenders to run my credit I wish the CFBP protects me and help me to delete those hard inquiries from my credit profile. 

Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was scammed by a person that claimed themselves as an ICE agent. She was calling about my un-updated alien number. She said that I need to send an " Immigration Bond '' {$1900.00} fund and if my investigation is cleared, the amount of {$1900.00} will be refunded back to me. Even though the transaction is pending, Chase and XXXX refused to help me reverse the transaction. I filed a police report on this case.
Product: Credit reporting or other personal consumer reports

Subject : Request for Debt Validation AXCSSFN/CNGO Dear Collection Agency Representative, I am writing in response to a notice I received from your company regarding an alleged debt. I respectfully request that you provide me with the necessary validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following information : 1. Proof of the debt : A signed agreement or contract showing I agreed to this debt. 
2. Creditor Information : The name and contact details of the original creditor. 
3. Itemized Account Statement : A detailed breakdown of how the alleged debt was calculated. 
4. Proof of Collection Rights : Documentation showing that your agency has the legal authority to collect this debt. 
5. Statute of Limitations Information : Verification that the debt is within the legal timeframe for collection in my state. 
6. Any prior payments : A record of all payments made, if applicable. 
Until I receive proper validation, I request that all collection efforts and reporting to credit bureaus regarding this account cease immediately. Failure to validate this debt may result in a dispute with the credit bureaus and legal action, if necessary. 
Please provide this information in writing within 30 days of receiving this letter. If you can not validate this debt, please remove any negative information related to it from my credit report and cease all further collection activities. 
This letter serves as a formal dispute of the alleged debt. I request that all future correspondence be in writing. 
Sincerely, XXXX XXXX
Product: Debt collection

I received a call from XXXX five days ago. Midland Credit has continued to call from this number. They have failed to provide a letter discussing why they are calling as required by law. This has been an ongoing issue with this company. This is also a violation of federal law, which requires written notice within five days that includes creditor, amount, rights, etc. This company should be prevented from conducting any additional calls as this is now being harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had signed up for the Citibank/XXXX credit card in XX/XX/XXXX. I forgot to set up payments for this card until XX/XX/XXXX and Citi reported a late payment to XXXX and XXXX. I requested Citi in XX/XX/XXXX to remove this reporting and they agreed. The fixed the reporting in XX/XX/XXXX. But in XX/XX/XXXX Citi reported late payment once again even though I had auto-pay set up on my account this time. I contacted them several times on phone since then and they verbally agreed that the last reporting was a bank error. But they have failed to remove the reporting. I filed complaints via the Citibank Credit Bureau Disputes but they always reply that the reporting is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Equifax, XXXX, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly
Product: Student loan

Difficulty making payments on a private loan formerly with XXXX XXXX ( currently with Navient ) for XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX, MA. Navient refuses to postpone or significantly lower payments after 10+ years of paying on-time.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : I XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Capital One Bank is refusing to allow the opt out and opt in credit limit increase regarding the Credit Card Act which is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Let me inform you that I have reached out to the companies and they approved to REPAIR the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that these accounts be thoroughly investigated and updated for proper and legal accuracy. Please fix the accounts : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX