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

I'm filing a complaint against XXXX XXXX XXXX XXXX. I have provided XXXX XXXX XXXX XXXX with copies of my tax returns for {$8700.00} and {$7300.00}. I called XXXX XXXX XXXX XXXX and asked why were the accounts still being reported on my consumer file to the credit agencies because per IRS 1099c this is reported income. Income does not get reported as debt a consumers file. The representative for XXXX XXXX XXXX XXXX told me once the credit reporting agencies call in they would correct the situation. This has not happened and its been over 30 days. Once again I called back to XXXX XXXX XXXX XXXX and I was told that XXXX XXXX XXXX has my account and to contact them.Not only has XXXX XXXX XXXX XXXX violated my rights under FCRA by not reporting accurate information. XXXX XXXX XXXX XXXX assisted in aggravated identity theft with XXXX XXXX XXXX. 15 USC 1681 ( b ), 15 USC 1681, 18 USC 1028b ( 1 ) ( A ) ( ii ) 15 USC 1681 ( N ). I want compensation for every civil liability {$1000.00} for each permissible purpuse, defamation of character, credit worthiness, infringed on the right to privacy.
Product: Debt collection

I am filing this complaint against Radius Global Solutions for violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Radius Global Solutions has illegally conducted a soft inquiry on my credit report without my consent or permissible purpose, which is a violation of FCRA 1681b. 

Furthermore, they have reported an unverified account on both my XXXX and XXXX credit reports without providing adequate debt validation, which is required under FDCPA 1692g. Despite my previous debt validation request on XX/XX/year>, Radius Global Solutions failed to provide the necessary documentation, thus failing to fulfill their obligations under the law. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these unlawful actions and ensure that Radius Global Solutions removes the unverified account from my credit reports. Additionally, I would like the CFPB to address the illegal soft inquiry, which violates my rights under federal law. 

Under XXXX Statutes, Chapter 559 ( Florida Consumer Collection Practices Act - FCCPA ), specifically 559.72, Radius Global Solutions is also prohibited from engaging in conduct that harasses or abuses consumers. The failure to validate the debt and unauthorized inquiry constitutes a violation of state law as well.
Product: Credit reporting or other personal consumer reports

Transunion according to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove theses negative items off of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I requested to have my credit protection place coverage activated for involuntary termination from my former employer. 

XXXX last card number XXXX last card number XXXX last card number I requested credit protection on all three cards but was not provided the service as request and as paying for this service in the terms and condition when ever I have an involuntary termination for a permanent employment and I provide the documentation as requested I am owed this benefits. 

Date open was XX/XX/year>25 but the approval for the benefits has not been approved at this time and all documents in regards to the terms and conditions has been met for all cards.
Product: Vehicle loan or lease

I am having difficulty with this company. On XXXX XXXX I found out where I was supposed to send the payments ( had to call them on the phone to get the mailing address ). I mailed them my first payment ( due on XXXX XX/XX/ ) on XXXX XX/XX/ after they REFUSED to accept payment VIA my credit card. They told me they would accept a debit card ( I do not have a debit card ). They are now claiming that they have not received the payment. I was told by one of their supervisors that it is illegal to pay credit with credit meaning that it is illegal to pay any debt with a credit card. I was NEVER told when I bought the car that my method of payment would be restricted and that they would NOT accept a credit card payment. If I would have had that information, I would NOT have bought this car. They are threatening to try and ruin my credit by reporting that I am more than 30 days late on my payment. I have excellent credit ( credit score is XXXX ) and I am not going to allow them to ruin my good credit. Based on not being told the restrictions on my paying for this car I feel that we never had a meeting of the minds, and I am requesting that this contract be voided, and I simply return the car and we go our separate ways. When I requested from Bridge crest which government agency that regulates their business the supervisor refused to provide me with that information. They told me to call XXXX which I did and XXXX told me to call Bridge crest. I have been on the phone for over 3 hours between these two companies and still no resolution is in sight. I am a XXXX XXXX and Retired XXXX XXXX. I am a XXXX XXXX, and I am not going to allow this company to try and ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

On XX/XX/XXXX, a pending amount of {$350.00} from GOOGLE *XXXX  XXXX CA showed up on our personal credit card. The week prior, on XX/XX/XXXX, an amount of {$1.00} from GOOGLE XXXX XXXX CA went through on our card. Again, on XXXX the same {$1.00} charge from the same GOOGLE *apprefund XXXX CA. Called the XXXX number noted and gave me no options to speak to/select anything and then disconnected when you pressed a key. We do not use Google Pay and there were no transactions available in my Google Pay " account '' that comes with Google services. Filed a complaint to reverse charges with Google on XX/XX/XXXX. Contacted our Bank also in effort to not have to close card. On XX/XX/XXXX we recieved a notice from XXXX XXXX asknig if we approved a {$350.00} charge from the above listed " vendor ''. We selected " no '' and were immediately directed to our credit card company where the card was closed and charges, as of today ( XXXX ) have been refersed and the pending one not allowed to go through. On XXXX recived an email stating the card is not working and we need to verify so " subscriptions '' do not become inturrupted despite not having any subscriptions valid in my Google profile. Additionally, recived a " notification '' from Google that they were not going to refund our money, which is not the amount we disputed. It was an amount slightly more than the charge.
Product: Debt collection

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/ Balance : {$300.00} and XXXX XXXX XXXXXXXX Open Date XXXX XXXX XXXX XXXX  Balance : {$16000.00}. Please make sure these accounts were remove in my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on this account!
Product: Student loan

I called Navient about 6 or more weeks ago to get information about my loan for the loan forgiveness application with XXXX. I let them know I was applying for school loan forgiveness with XXXX. I continued making my payments. My last payment made was in XXXX. When I went on their site in earlier XXXX ( this month ) to make a payment their site showed a XXXX balance and that my loan was being transferred to XXXX. So then I went on to set up a login with XXXX but it had no payment listed for me yet. Just last week i received an email from Navient saying that my loan was updated and that my first payment will be due in XXXX. When I went further on their site today I saw that they have me in a forbearance. I never asked for a forbearance and never approved XXXX. Now there is no Navient phone number listed on their website and I could not find it this time looking it up. I sent them an email on their own site. A forbearance could hurt my chances of loan forgiveness with XXXX and now I owe 9 something more dollars a month on my loan payments according to Navient starting in XXXX. I also dont understand why Navient didnt consider me for their own loan forgiveness since I have been paying this loan since XXXX originally with my XXXX XXXX and from XXXX with my XXXX XXXX. Please tell me what happened because I never wanted a forbearance!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been sharing my information with out my consent Under Experian Privacy Policy It States -We share your personal information with third parties you expressly authorize, consent to, or direct us to share your information with. We may also disclose Personal Information about you to other contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations to keep Personal Information confidential and use it only for the purposes for which we disclose it to them. For example, we share information when you request products or services offered by lenders, insurance companies, and other companies that we partner with. We also share information when you ask us to access data from your financial, insurance, and/or other accounts through one or more of our third parties. We may disclose Personal Information about you to a utility service provider for bill negotiation services if the disclosure will enable the utility service provider to perform a business professional transaction. They dont have my permission to Share my information The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Requesting Experian to Provide the CFPB Consent I gave them to share my information in my credit report to third parties and the affiliates and partners.
Product: Student loan

I received an email from Edfinancial Services which is not my lender but sent me an email that they are. ( I was confused and checked this later as I had just woken up but also remembered an email some months ago that my lender had recently changed. ) As I did not remember my password and login information I was asked for my social security and birthday. They were unable to find my account but it was then that I checked who my lender was and it was in fact not Edfinancial, I believe this to be a scam in which they are gathering information and would like to report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have been for several years now. Just trying to recover. I have sent out the necessary documentation that would render a BLOCKING of the fraudulent items that have been placed onto my credit report, but when i called the credit agencies today, they all were saying wait 30days, etc. for investigation to complete when i kept telling them. thats NOT how this works, not these circumstances, not situations involving identity theft and i've sent in my i.d theft report, proof of identity, list of fraud accounts and statement inside that affadavit... Those are the necessary documents needed for a credit agency to BLOCK items within four business days of receipt pursuant to FCRA 605B law and I've sent that. They did not HONOR MY BLOCK REQUEST, willfully. This is my livelihood and something i take very serious. I am in the mist of a big lawsuit thats going to involve all parties involved and ill make {$1000.00} per month in damages for every reported month with these fraudulent items.
Product: Mortgage

XXXX XXXX XXXX took my application for mortgage loan starting XXXX/XXXX/XXXX. The underwriting department then sent to chase for approval and they responded with more info needed and XXXX XXXX XXXX gave them what they needed the XXXX XXXX XXXX gave me a 3 day disclousure to close. today at XXXX XXXX. the chase bank according to phone conversation with XXXX XXXX at XXXX XXXX XXXX that chase turned down loan because I filed a XXXX tax extension and both banks knew this and no one was concerned Me and My wife feel that it was a simple case of age discrimination against chase and We did not break any laws by filing a irs extension we still had our XXXX were we made the money but they decided we were to old to by the house so I ask XXXX XXXX to go back to chase and ask why they would not except the XXXX they refused to comment so therefore I think it was because of our age there should be a complete investigation also I'am a veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} XXXX & XXXX XXXX XXXX Creditor : XXXX  ) XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$620.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Subject : Complaint Regarding Unreasonable Check Hold by Chase Bank To Whom It May Concern, I am filing this complaint to address an unreasonable hold placed by Chase Bank on a {$2000.00} check I deposited into my account on XX/XX/XXXX. This check, issued by my employer, is consistent with my regular deposits and should not have triggered such an extended hold. Chase has informed me that the funds will not be available until XX/XX/XXXX. 

When I contacted Chase, they stated that the hold was due to automatic fraud prevention. While I understand the need for fraud prevention measures, I believe this situation was handled improperly for the following reasons : Key Issues : 1. Legitimate Source : The check is from my employer, a reliable and recurring source of income. Chase has the ability to verify this easily.

2. Account History : I have no history of bounced checks or fraudulent activity in my account.

3. Excessive Hold Duration : A 13-day hold on employer-issued funds is unwarranted and imposes an undue burden, as I rely on timely access to my paycheck.

4. Lack of Resolution : When I contacted Chase to explain the situation, the representative refused to assist further or consider escalating my request for a manual review.

This delay has caused significant inconvenience and demonstrates a lack of flexibility and customer focus on Chases part. Additionally, their reliance on automated systems without considering account history or the checks source violates the trust I placed in them as a customer.

Requested Resolution : I respectfully request the CFPB to : 1. Ensure that Chase expedites the release of the held funds after verifying the checks legitimacy.

2. Encourage Chase to implement a process for manual review in cases like mine, where deposits align with the customers history and come from legitimate sources.

3. Recommend that Chase improves communication and flexibility in addressing customer concerns to prevent future occurrences.

As a national bank, Chase has a responsibility to ensure fairness and transparency in its processes. This extended hold appears excessive and inconsistent with those principles. I trust that the CFPB can help resolve this matter.

Thank you for your attention to this issue. I am happy to provide any additional information or documentation as needed.

Happy Holidays, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stupid system only scans dispute letters and assign automatic codes to generate AUTOMATIC RESPONSES to consumers and does not resolve the complaints!! 

This is a terrible process and not only it frustrates Americans who have to try over and over and pay out of pocket mailing expenses to fix an issue, most importantly, it causes NEGATIVE REPUTATIONAL AND FINANCIAL IMPACT to millions of American due hefty and completely unnecessary financial charges when Americans apply for credit with incorrect and subpart credit caused by these shady Credit Bureaus. 

A human does not partake in the dispute process thus even after XXXX dispute letters, Equifax keeps reporting my XXXX accounts as open however these accounts were sold/transferred to PFCP ( which already show on my report ).
Product: Credit reporting or other personal consumer reports

I AM NOT LIABLE WITH THIS DEBT AND DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX XXXX XXXX THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. I MAKE THIS REQUEST PURSUANT 15 U.S.C 1681i OF THE FAIR CREDIT REPORTING ACT 1997. DELETE THIS ACCOUNT WITH EXPERIAN, XXXX XXXX XXXX. 

ACCOUNT XXXX
Product: Debt collection

My employer 's pay company received a court order to garnish my pay. I was never informed of a debt. My credit report does not show any debt. The court order case number was for XXXX  in Colorado and indicated a bank that is no longer in business. The bank that purchased the bank shown on the order does not have any record of a debt owed using my name and/or SS #. The court assistant I talked to says there was no validating debt for the court order. If the debt was real, which has not been proven, is beyond the statue of limitations for debt collection. I was never given the opportunity to dispute this debt before garnishment was started.
Product: Checking or savings account

I was scammed by someone and they sent me fake checks and told me to wire transfer them money. The checks were fake but despite my account having no balance, the bank allowed for the activity to go through and I have a negative balance that i have to pay back now and I called the bank several times, they either said they cant disclose anymore information about what happened or cant help me at all with my issue despite me explaining everything clearly about what had happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dealership XXXX Hyundai ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase onXX/XX/XXXX, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from Hyundai Motor Financing and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. 

After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.