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

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. 

This is a list of all hard inquires that are reporting to my Experian, XXXX, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, XXXX, and Experian all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Officer, I am contacting you for the second time regarding inaccurate information in my credit report provided by Equifax. Specifically, I am referring to XXXX  XXXX XXXX account number XXXX, which reflects late payments for XX/XX/XXXX and XX/XX/XXXX, which I believe are incorrect. 

I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Equifax is violating my rights under the Fair Credit Reporting Act ( FCRA ).

Specific Violations of the FCRA : 1. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Equifax and XXXX clearly demonstrates a violation of this provision.

2. Section 611 ( a ) [ 15 U.S.C. 1681i ] : After I previously submitted a dispute regarding this account, Equifax marked the account as verified without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section.

3. Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Equifax. 

I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. 

I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.
Product: Checking or savings account

Penfed was contacted on several occasions requesting matters of dispute regarding XXXX services that i did not authorize or either trying out a subscription here and there. I contacted Penfed on XX/XX/year> to dispute charges about XXXX, XXXX, XXXX XXXX and XXXX or XXXX charges from whois. I have been in contact with all partied referenced and was clear that i didnt want or authorize their services to pay for subscriptions. I would cancel well before trial period is set to end. I have documented correspondence to support claims. I had even called Penfed because i couldnt find my debit card to only find it later leaving me disappointed with the level of service i have been receiving from Penfed. The only rational conclusion as to why they ignored me to simply allowing these transactions month after month with my request to dispute was either initiated or never even started. I see where XXXX today has charged me for a free trial that isnt supposed to charge until XXXX days later if not cancelled. Now here again, Penfed has stopped sending notifications, ignored my dispute about these charges and i even had to repeatedly call about a {$30.00} overdraft that i placed stop pay on. I feel this credit union is extremely XXXX to provide unfair treatment. As this XXXX XXXX market certain bankers for " certain things ''. It appears to me that XXXX XXXX are excluded from Penfed having to honor what is promised in their terms and conditions policies. Or maybe they are not reprimanded for offering fair opportunities to its communities as they pretend. Im on a fixed income, i have raised the issue especially about XXXX. Penfed refuses to allow me a fair dispute.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request the removal of specific accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts, listed below, were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The affected accounts are as follows :XX/XX/XXXX
Product: Mortgage

The company continues to lie claiming that they initiated a request to collect a credit balance on my property tax bill but that request was never initiated. I spoke with a representative from XXXX XXXXXXXX that confirmed no refund request was ever submitted. The company lied and said they had initiated the request when I previously filed a complaint here with CFPB so that complaint was closed. I am filing an additional complaint because this issue has not been resolved. Please let the company know that the next step will be filing a lawsuit in small claims court.
Product: Checking or savings account

My name is XXXX XXXX and I am a square user with email address XXXX On XX/XX/XXXX, Square informed me that they could no longer continue processing payments for my business. 

They also informed me, in the same email, that deposits would be suspended and the release date and amount available for release were subject to change based on factors that include receiving additional chargebacks after the original notice of deactivation.

I know square Square is authorized to hold funds under sections 9, 12, 14, 19, and 36 of the Payment Terms.

In Section 12 specifically states, in pertinent part : We may defer payout or restrict access to your Proceeds if we need to conduct an investigation or resolve any pending dispute related to your use of the Services, or in accordance with our Terms.

b. Under Section 19 of the Payment Terms : ... if we reasonably believe that a Chargeback is likely with respect to any transaction, we may withhold the amount of the potential Chargeback from payments otherwise due to you until such time that ( a ) a Chargeback is assessed due to a customer complaint, in which case we will retain the funds, ( b ) the period of time under applicable law or regulation by which your customer may dispute that the transaction has expired, or ( c ) we determine that a Chargeback on the transaction will not occur. 


In my case, all the charges backs were completed and closed and the funds in my square account should be given to me because there is no additional since XXXX. 

As at the time writing this complaint, there are no chargebacks to determine that square has the right to put my funds on hold till this period.

Please note : I am not asking Square to still process payment for my business again. I am looking for the money that is in my square account. I am not asking Square to reactivate my account as I am not interested to use square again.

In the agreement of square with card networks, there is a stipulated time for disputes to be completed in which all disputes were completed in my account so there is no security concern attached to my case because I am not owing square. 

I need my money now to be made available for withdrawal. 

I have already complaint to square on the square website with case ID XXXX, but it seems the company has stolen my funds indefinitely because they always use the word " indefinitely ''
Product: Mortgage

XXXX XXXX XXXX ( XXXX ) purchased loan from XXXX XXXX in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX full payments were made. XXXX of XXXX I was contacted by XXXX and asked if I wanted to take part in Covid deferment plan offered by them. My wife was unsure of her work status due to the closures of the XXXX so we enrolled in the plan. It was explained to us that the payments missed would just be added to the end of the loan. In XX/XX/XXXX, loan was sold to XXXX XXXX XXXX. While with XXXX it was very difficult to communicate with them, nothing was done by email, all through USPS. When we could get someone on the phone, they would inform us that paperwork was in the mail. Tried to get out of the Covid relief, but agents would keep telling me that it was scheduled until XX/XX/XXXX, and I should wait until the program ended. XX/XX/XXXX finally got some correspondence from XXXX, cancelled deferment and was able to start making payments again. While in the process of restructuring that loan, it was sold again to Fay Servicing. I was never notified of the sale and who would be the new servicing agency. It wasn't until I went to make a payment to XXXX in XX/XX/XXXX that I found out it had been sold. After calling and finding out what company purchased the loan, I contacted Fay Servicing and had to have them set me up in their system. It took 3 months for Fay Servicing to activate the loan so I could continue payments in XX/XX/XXXX. I was under the impression that they were following what I was told from XXXX, deferred payments added to the back of the loan. When I found out they were restructuring the entire loan, I was not happy. My interest rate, payments and loan balance all increased. After 3-4 attempts trying to speak with my loan representative, I was finally able to get him to return my call. He informed me that this is how it works and there was nothing I could do about it, and that I shouldn't have let it go this far and I should have just kept making the payments. His advice was to wait the 5 months and refinance the loan. I waited the 5 months and tried to refinance. That's when I found out that Fay Servicing had reported that I was over 120 days late and my credit report was seriously impacted. I contacted Fay Servicing and asked that it be reviewed and have the credit report adjusted because the Covid Relief was not supposed to impact your credit negatively in any way and I was never late with any payments to Fay Servicing. I was making payments to them even though I was never contacted and informed of the sale of the mortgage and had to search them out on my own. They declined the request, when I asked for an explanation I was told it was declined by the review board, they felt that they had followed the correct procedure and the matter was closed.
Product: Debt collection

On XX/XX/XXXX I took out a loan for {$20000.00} with Prosper loan for a voluntary XXXX. I decided against the XXXX and went to pay back the loan. I was told that an extra {$2000.00} had been added above the one-month interest charges for the use of the loan. 
Loan # XXXX PAID OFF XX/XX/XXXX www.Prosper.com Amount Principal Interest Status Account Used XX/XX/XXXX {$22.00} {$22.00} {$0.00} Success - XX/XX/XXXX {$9000.00} w/ {$5.00} fee {$8900.00} {$17.00} Success - XX/XX/XXXX {$20.00} - {$20.00} Success XXXX XXXXXXXX XXXX XX/XX/XXXX {$40.00} {$12.00} {$28.00} Success XXXX XXXX... 7XXXX XX/XX/XXXX {$13000.00} {$12000.00} {$12.00} Success XXXX XXXX. XXXX This seems like an excessive charge, when I called them on XX/XX/XXXX I was told that my {$2000.00} was for service charges. 

I did not receive fair warning that such a charge would be leveled at me should I take that loan, and that I would have to pay up front. 

Please Help, XXXX XXXX XXXX
Product: Debt collection

An collection was placed on my credit report for XXXX in the amount of {$940.00} by XXXX XXXX XXXX XXXX. The collection was disputed and removed by all credit agencies. Less than 2 months later, Diversified Consultants resubmitted the XXXX collection, now for a different amount of {$950.00}.
Product: Debt collection

Car insurance XXXX. Asked collection agency to take off the negative remarks from my credit report. I told them of how much I can afford to pay but told me I had to pay more. If I could not they would report to the credit bureaus which they have. I am on a fixed income and the insurance became too much to pay. I intent to pay the debt off but can only do so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS THE ONLY BUREAU THAT IS REPORTING THE INCORRECT BALANCE ON THE HARLEY DAVIDSON ACCOUNT ON MY CREDIT. THIS NEEDS TO BE RECTIFIED OR THE ACCOUNT MUST BE DELETED.
Product: Debt collection

4 times over the last 5 days an automated voice message has been left from Advantage Debt Collections stating that they are trying to collect a debt but will not state who owes money. They want you to call them. I do not owe anyone any money, so I left 2 different voicemails regarding my phone number and that I did not have any debt and to please stop calling and leaving messages. I have the phone numbers ( XXXX and XXXX ) that they use on 'ignore ', but am annoyed that they keep leaving the same automated voice message.
Product: Credit reporting or other personal consumer reports

Affidavit of Facts State of XXXX XXXX of XXXX I, XXXX XXXX XXXX, being duly sworn, depose and state the following facts under penalty of perjury : On XX/XX/XXXX2024, I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) against XXXX. This complaint included : My Federal Trade Commission ( FTC ) Identity Theft Report. 
A copy of my State-Issued Drivers License. 
A copy of my Social Security Card. 
A detailed explanation of the reasons for my dispute regarding inaccurate information on my credit report. 
In accordance with 15 U.S.C. 1681c-2 ( FCRA Identity Theft Protection ), Experian was required to block the disputed accounts within four business days upon receipt of my identity theft report and supporting documentation. However, Experian failed to remove the disputed items within the mandated timeframe. 
On XX/XX/XXXX, Experian notified me via email that the disputed accounts were " verified as accurate, '' despite my submission of sufficient evidence under the FCRA and identity theft protection laws. 
I contacted Experian on XX/XX/XXXX to follow up on their failure to comply with the 5-day statute under 15 U.S.C. 1681c-2 and informed them that they were in violation of this law. I also informed them that they had violated the 30-day dispute resolution requirement under 15 U.S.C. 1681i ( a ) for reinvestigations.

During this communication, I requested specific details regarding how Experian conducted their investigation, including : The methods used to verify the disputed accounts. 
The individuals or entities contacted during the investigation. 
Any evidence obtained that substantiated their claim that the accounts were accurate. 
Experian failed to provide any meaningful details about their investigation process, in violation of their obligations under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires consumer reporting agencies to provide a description of the procedure used during a reinvestigation.

I also inquired about Experian arbitration process and attempted to provide verbal notice of intent to file arbitration regarding these violations. My request was denied, further obstructing my ability to resolve this matter.

Experian actions constitute violations of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to block fraudulent accounts within five days as required by 15 U.S.C. 1681c-2.

Failure to conduct a proper reinvestigation within 30 days as required by 15 U.S.C. 1681i ( a ).

Failure to provide adequate details about their investigation process as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Relevant case law supporting my claims includes : Cushman v. XXXX Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : Establishes that credit reporting agencies must conduct a reasonable investigation when disputes are raised.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Reinforces that CRAs must act promptly and accurately when handling disputes.

Guimond v. XXXX Credit Info Co., 45 F.3d 1329 ( 9th Cir. 1995 ) : Holds CRAs liable for failing to maintain reasonable procedures in ensuring accuracy.
Product: Credit card

Case Number : XXXX I am filing a complaint regarding a fraudulent transaction on my Apple Card from XX/XX/year>, which I have disputed multiple times, for the amount of {$26.00}. Despite these disputes, Goldman Sachs Bank USA continues to reject my claim, stating : We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. 

However, I did not authorize this transaction and have repeatedly asked Goldman Sachs/Apple to provide evidence of who authorized it. Instead of addressing my concern, I have been met with inconsistent responses from customer service representatives who, in several instances, even addressed me by the wrong name, indicating a lack of care or attention to my case. 

If I had authorized this transaction, I would not be disputing it. In addition, I have experienced similar issues with other transactions, further undermining my trust in Goldman Sachs/Apples handling of disputes. 

I request the Consumer Financial Protection Bureaus assistance in ensuring that the fraudulent transactions in dispute are properly reversed, as my efforts to resolve this directly with Goldman Sachs/Apple have been unsuccessful. If this issue remains unresolved, I am prepared to take my business elsewhere, as it is clear that Goldman Sachs and Apple do not prioritize consumer protection. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX I called into Chase Bank to close my business account after it was restricted. They had notified me that after a 2 week hold, the account would be closed on XX/XX/XXXX. I have called every day from XX/XX/XXXX to XX/XX/XXXX to close the account. On XX/XX/XXXX, the account was " closed '' and I confirmed this over the phone. On XX/XX/XXXX the account was " reopened '' and the funds were redeposited in the account by the bank. On XX/XX/XXXX I called and there is no one to escalate the issue to.
Product: Checking or savings account

My husband elected to get XXXX XXXX XXXX XXXX OFFERED through PenFed Cr Un XXXX XXXX  shortly after opening a Savings account based on a mailed USPS Solicitation to our residence. 

He set it up for AUTO DEBIT Never any Auto Debit Issues up until XX/XX/2024. When on XXXX then auto debit was scheduled for this XXXX after that PAYMENT WAS REJECTED by PEN FED CR UN XXXX XXXX and ACH DEBIT XXXX FEE IMPOSED without notification to us & without Just Cause- totally ILLEGAL! 

Pen Fed Cr Un XXXX XXXX  is now CAUSING TREMENDOUS HARDSHIPS, PAYMENT HISTORY PROBLEMS, OVERDRAFT FEES all without any REAL CAUSE. Which in turn is INFLICTING ENORMOUS FINANCIAL HARDSHIPS UPON MY HUSBAND AND I - ALSO CREATED ILLEGAL FINANCIAL BUSINESS PRACTICES ON THE INNOCENT MY HUSBAND AND MYSELF. 

We deserve Pen Fed Cr Un XXXX XXXX  to pay the REJECTED ACCIDENT & DISABILITY INSURANCE PAYMENT FROM THEIR FUNDS, RETURN OUR IMPOSED OVERDRAFT FEES, PLUS PAY US RESTITUTION IN OUR SAVINGS ACCOUNT IN THE AMOUNT OF {$1000.00} ( XXXX XXXXXXXX XXXX XXXX and to ensure these issues NEVER REOCCUR! Along with written apology letters to Accident & Disability Insurance Carrier whereby the ACCEPT 100 % LIABILITY FOR THEIR ERRORS, Plus written Apology letter to us!!
Product: Checking or savings account

My name is XXXX XXXX. I'm a XXXX year old woman living in XXXX, CA in XXXX XXXX county. In XX/XX/2017 someone fraudulently deposited checks into my bank account totaling for {$12000.00}. I had no part in this and by camera footage proof, it was not even me who deposited these monies. I can only suspect someone maliciously deposited these fake checks into my account to harm me. On XX/XX/2017 Bank of America put me into XXXX XXXX and XXXX XXXX XXXX, closed my account and has now left me in financial ruin. I've been unable to open a bank account resolve this problem, a problem that I myself didn't create. Why was the person who deposited the money into my account taken into question and have been punished rather than myself? It doesn't make any sense to me. I am the victim and yet the bank made me to be the villain and once again punished me. The account numbers from the check systems report I received are RTN : XXXX / ACC : XXXXXXXX. Please help me. I've been working so hard on getting this resolved and have no other options. I truthfully feel helpless and wrongfully punished. I need a bank account, I work very hard for a living. I actually have a very close friend that had this exact same situation happen to him with Bank of America, and they seem to go after the victim rather than the assailant who decided to create and deposit a fraudulent check. I am not an expert on checks either, I wouldn't know if an employer for example paid me with a fraudulent check. Why was I punished? Please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a personal loan with lendmark financial. Had 3 missed payments due to the online website they have set up not working after they changed my loan number. Thought payments were being paid. Then got a later from them saying it was past due. Called lendmark to explain the issue and they are no help so ended up paying the loan off all at once.