23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX sent me an offer with personal code : XXXX stating that I would receive a " {$XXXX} BONUS ' for opening a XXXX  Checking account, enrolling in on-line banking within XXXX days of opening & then making {XXXX  total deposits within XXXX days. VERY straightforward, little or no room for confusion -- then finally, your {$XXXX} bonus would be directly deposited to your checking account within XXXX days of completing requirements. 

On XX/XX/XXXX I opened checking account by phone with the branch @ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. This took approx. XXXX minutes but there were no problems. I asked if it would impact my credit-they responded not a hard check so no it would not. This indicated to me that they were going to check my credit history before approving account. My credit score is literally VERY CLOSE TO PERFECT! I deposited via credit card by phone ( on same initial call ) the minimum requirement of XXXX proceeded by XXXX separate deposits of {$XXXX} & {$XXXX on XX/XX/XXXX & XX/XX/XXXX totaling the {XXXX that they required to qualify for ALLEGED {XXXX} BONUS. 

On morning of XX/XX/XXXX, I went to check my XXXX Checking balance only to find out that it had BEEN WIPED OUT TO XXXX!!! Only thing that showed was an 'Account Withdrawal ' Pending for {$XXXX with no explanation. THIS IS HOW I FOUND out that someone had shut down my account, again 0 explanation. I called their Customer Service and was told I had to go into a branch, which I did in XXXX XXXX XXXX, XXXX  which I did that same day. They said they couldn't say what happened -- that I had to call customer service. This began a XXXX  day circus of each telling me I needed to check with the other -- cust. serv. via phone blaming branch & viceversa. I then went to XXXX XXXX XXXX. branch in XXXX XXXX, XXXX  on XX/XX/XXXX to meet with their 'FRAUD claim ' dept ( made online appt ) to see if I had better luck determining what happened. Same game -- no answers. 

They have responded that on XX/XX/XXXX a check was cut for XXXX} to be sent back to me within XXXX business days but no reason for my account being shut down like that. They seemed to think that I should be fine with that. SO, after wasting all my time & effort, I've still yet to receive my {$XXXX} that I deposited ( I requested they cut me a check there or cash would be fine, they weren't doing that ) NOR AM I RECEIVING THE so called {XXXX} BONUS! I don't know what kind of fraudulent scam they're running trying to increase their business, but this is incredibly UNETHICAL to say the very least.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Is there any physical and valid proof of a consumer agreement between myself and your company, bearing my wet signature? I dont recall giving this company permission to purchase my personal information and use it to collect debt. From my understanding, this company purchased random debts in bulk and are trying to collect profits, after the original company already sold the debt. Therefore, this debt does not belong to me. How can a company report inaccurate information and say the information is accurate when the information ( including numbers, address, account information, etc ) is reporting differently on the credit reports? How do I know this is a real collection company and not just an individual trying to scam people out of money?
Product: Credit reporting or other personal consumer reports

I understand your frustration with the inaccurate and fraudulent information on your credit report related to identity theft. This situation has undoubtedly caused you significant distress, and I appreciate you taking the time to reiterate and formally request the removal of these unauthorized accounts. 

I want to assure you that I take this matter very seriously. Having one 's credit report compromised by fraudulent information can have far-reaching consequences, and it is unacceptable that your ability to achieve important financial goals has been hindered. 
You have followed the proper procedures by previously communicating with our organization about this issue and now providing formal notice and documentation to verify your identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I check my credit report those account violate my right I never deal or sign any document With those company In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, those accounts for XXXX equifax and XXXX. Account that need to be deleted and investigate XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Bank XXXX XXXX, XXXX XXXX XXXX, I do not have any account or business with those information or
Product: Credit reporting or other personal consumer reports

please remove all inquires that is not attached to an account. I did not authorize this and want them removed off my credit report. by law 15 u.s.Code 1681n and 15 U.S. Code1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting

A dispute with XXXX XXXX XXXX was made regarding derogatory information reported. 
CFPF File Number XXXX resulted in XXXX issuing a letter dated XXXX XXXX, 2016 wherein they stated that XXXX removed the trade line from all credit report effective XXXX XXXX, 2016. 

The derogatory information is still being reflected by TransUnion. I visited the US Office of Personnel Management account I have and found that as of XXXX XXXX, 2016 the derogatory information is still reported by TransUnion. This is negatively impacting the mortgage rates I am currently being quoted.
Product: Mortgage

I pay my mortgage on time every month via the website. Last month when I tried to make my XXXX payment it would not accept my payment stating my payment was past due again my payments are made on time every month. When I called Ocwen I spoke with XXXX Id # XXXX she keeping stating that my payment was past due which was incorrect I ask to speak with a manager or supervisor spoke with XXXX XXXX id # XXXX he researched this and stated that my payment was not applied to my account in XXXX and was trying to charge my a fee to make the XXXX payment again never late company error try to make me pay for the fee to accept my payment over the phone the website would not accept my payments via stating my payment was over due. After stating my case the gentleman stated the fee would be waived and that the site would be corrected today I am trying to make my payment again the website states my payment is past due. Please help with this situation I am so tired of companies doing to consumers thinking we are stupid and they can do whatever they want. Changes need to take place with these companies
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report. These accounts were opened without my knowledge or authorization following a data breach involving my personal information. 
Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts blocked and permanently removed from my credit file. 
XXXX Accounts XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$9200.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account : XXXX Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My right to privacy is being both violated and disregarded. I never authorized this information to appear on my credit report, nor did I consent to its disclosure in this manner. As a consumer, I am fully aware of my rights, including the right to privacy and the expectation of accurate reporting. The information being reported on my credit file lacks the highest standards of accuracy, further infringing upon my rights. This incorrect and unauthorized reporting is damaging my credit score, resulting in negative effects on my financial well-being and overall quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all violated me rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX 

XXXX5 U.S.C. 1681s-2 ( A ) ( 1 ) 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

Im 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, their dispute 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

.In accordance with the Fair Credit Reporting act XXXX Account # XXXX : XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States i have the right to privacy.

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

I have been contacted by EGS Financial for a debt I owe to XXXX Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX
Product: Credit reporting or other personal consumer reports

I had a vehicle stolen from me in XXXX from a mechanic who was fixing my vehicle. He cashed the insurance checks and never returned my vehicle to me. XXXX XXXX refuses to except that the loan is no longer my obligation. Even after the man was charged with a felony this year after a 5 year battle with this issue. The charge from XXXX XXXX is sitting on my credit report for vehicle that has not been in my possession since XX/XX/year> and to my knowledge is possibly still sitting somewhere on the man 's property. XXXX XXXX told me over the phone I am still responsible for the loan and I had consumer lawyer dispute the charge and they are still refusing to settle my account with them. I am asking for a resolution as this is severely affecting my livelihood having a fraudulent charge off on my credit report. See attached documentation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the Consumer Financial Protection Bureau, I am writing to file a complaint concerning multiple unauthorized hard inquiries recorded on my credit reports by Experian, XXXX, and XXXX. These inquiries appear to lack a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ) and corresponding regulations. 

The FCRA, specifically under 15 U.S.C. 1681b, stipulates that consumer reports may only be accessed for specific permissible purposes. These purposes include credit transactions, employment purposes, underwriting of insurance, or other purposes as outlined by the law. Additionally, 16 CFR 1022.34 reinforces these requirements by imposing duties on users of consumer reports to ensure they are obtained only for these legal purposes. 

Despite these clear legal parameters, my credit reports show multiple inquiries from various financial institutions and credit organizations without my prior knowledge or consent. These include inquiries from high-profile lenders and credit issuers such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and others across the three major credit reporting agenciesExperian, XXXX, and XXXX. 

The unauthorized inquiries span several dates and appear as follows across the credit reports : - **Experian** reported inquiries from entities like XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX and others, all noted on the same date ( XX/XX/XXXX ), among additional inquiries throughout XXXX. 

- **XXXX** lists inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX, respectively, along with other inquiries dating back to XXXX. 

- **TransUnion** includes inquiries from XXXX, XXXX, and various others ranging from early XXXX to late XXXX. 

These inquiries have potentially negative impacts on my credit score and could lead to broader implications for my financial health and privacy. Under 16 CFR 1022.3, consumer reporting agencies are mandated to follow reasonable procedures to assure maximum possible accuracy of the information associated with inquiries and reports. The appearance of these inquiries without a permissible purpose suggests a lapse in these procedures and a possible violation of my rights under the FCRA. 

Given these concerns, I am seeking the CFPB 's assistance in investigating these matters. I request a thorough review of the inquiries listed on my credit reports to confirm whether they were indeed made without permissible purpose. If these inquiries are verified as unauthorized, I urge their immediate removal and appropriate corrective actions against the entities involved.
Product: Checking or savings account

My direct deposit is not in my bank. Today is my payday. There was an estimated time of arrival of this morning for the issue to be fixed. This had been going on since Tuesday ( XXXX  days ago ) Do they not have redundancy, do they not have reserves or insurance to pay us? How can I b be left without a paycheck?
Product: Credit reporting

I wrote Experian because after talking with a mortgage person he said there were problems with my credit report so he had me go to a web site and get my reports. He told me where to find a simple form letter on line and to write the credit bureaus with my questions. Experian sent me a letter saying my letter was suspicions and they refuse to help me. 
I believe since I am a XXXX they are discriminating against me. I am educated and know my rights. I have read what they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and also this account was open during time of fraudulent activity on my credit and I have filed a ftc report and also another one and this account is listed inaccurate and it needs to be deleted and THIS IS NOT MY ACCOUNT
Product: Credit card

Disputed a late fee due to no mailed statement received in XXXX of 2015. In early XXXX I requested a statement on there web site so I could pay my bill, I did not receive XXXX by mail. The statement was received electronically which I was not aware of and do not remember setting such a thing up or did it by mistake. I paid my bill as soon as I found out it was late less the {$25.00} late fee which at that time I placed a call and asked that the fee be disputed. They have since attached XXXX additional late fees and have attached a credit report " black mark ''.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. I called Annual Credit Report. At phone number XXXX ( XXXX ) XXXX. And requested my free annual credit report. From TransUnion. Today is XX/XX/2023. 

And that report has still not arrived. I did correct all incorrect information. Requested from TransUnion. That they had about me via telephone verification. Through the assistance of Annual Credit Report. Via the phone number listed above. 

I believe that there has been an illegal freeze. Placed on my credit report. Without my consent. And that TransUnion is withholding this information. From the public illegally ; weather or not this is either a credit lock, freeze, or a security freeze. It has been done without my consent. 

Preventing lenders from determine my qualifications. For credit purpose. Of determining mainly interest rate & loan qualification. That are supposed to be at my disposal ; unanimous decisions made by me. TransUnion is restricting access to my borrowing and payment history. Where I am continually denied credit. 

I do believe that a fair resolution. Would be victims compensation. With the demanded removal of any credit lock, freeze, and/or security freeze place on my report. I have tried to request and solve the resolution. To this problem. Through my actions stated above. 

Regarding my free-annual-credit-report request. That was never received. Which is why I am filing this complaint. Given all the actions that I have taken on my behalf. 

- Thank You
Product: Credit reporting or other personal consumer reports

I have file numerous complaints to the FTC and XXXX in reference to XXXXXXXX XXXX XXXX accounts that appear on my credit file fraudulently. 

I am a victim of identity theft. The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made.

It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605 b ti the Fair Credit Reporting Act
Product: Credit card or prepaid card

Since I was adequately the noticed about the interest charges. I never enrolled for a Paperless statement, the system shows I am enrolled for paperless statement. Once I logged in online then only I was aware of the interest charges charged to my account. The interest was charged to my account on XX/XX/XXXX and I paid the balance in full on XX/XX/XXXX. Since I did not have knowledge about the finance charges I would request to waive the interest charges on my account. I paid the entire balance in full as soon as I realized the account is accruing interest. So I want to dispute the interest charges in my account. Also I paid all the remaining balance I was due within XXXX weeks of time, once I knew the balance in my account.
Product: Credit reporting or other personal consumer reports

I need your support with the incorrect account being reported on my credit report. This concern is damaging to my reputation as a customer, and I need your help in resolving it. These accounts must be removed since they are reported inaccurately and reflect negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose
Product: Credit card or prepaid card

On my XX/XX/XXXX credit card payment statement a total of {$320.00} was added to my account. When I called to inquire I was told the purchase of an XXXX XXXX XXXX XXXX that I purchased at XXXX  XXXX  XX/XX/XXXX and applied on the same day for Barclays Credit Card was suppose to be paid in full by XX/XX/XXXX without interest. What I was not told was that the interest was deferred. I was told by the sales person at the store that interest would be applied after 18 month on the balance. Since my daughter was getting ready for XXXX XXXX XXXX on XX/XX/XXXX I just made the minumum payment not realizing that Barclays was going the charge me {$320.00}. I tried calling them and asking for an extension I even offered to show proof that my daughter was hospilized in XX/XX/XXXX. They said that if I would have asked for the extension prior to XX/XX/XXXX it would have been granted. I even paid {$300.00} on XX/XX/XXXX hoping that they would remove this interest off my credit card. I went from owing {$740.00} to {$1000.00}. It's like I never made a payment to the phone. I even asked if they can reduce the amount by half and they have refused.