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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

I am trying to get the 10 day pay off in writing. I want it emailed to me or sent to me in my online account so I can print it off. They are delaying this because for each day it is unpaid they can charge me XXXX per day. Plus, I also noticed a XXXX late fee. It gets auto drafted from my bank, there should be no late fee. They are only willing to mail this amount to me ; because it costs me more money. In the mean time, I have a bank consolidation loan on hold costing me extra money on other bills that I am working on paying off. It should not be this hard to pay off a bill except for the fact that they get to charge me extra fees waiting for this bill to be paid off. They did this to my husband, he paid off a loan with them in full, then got late charges because they refused the check several times costing extra fees for him to pay. This is a scam to just collect more money from the unsuspecting consumer!
Product: Money transfer, virtual currency, or money service

In XXXX  I used the newer mobile banking system Zelle to send two separate payments of XXXX $ ( XXXX $ total ) to someone who was renting a home. When I sent the money I was blocked. When I called my bank ( XXXX ) to retrieve my money back I was told that there was nothing they could do for me as when you send money through Zelle it works like cash. once its gone its gone
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not followed reasonable procedures to assure maximum possible accuracy of the information concerning my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services, you are hereby given notice : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX you were notified that I was requesting certain sources of information found upon my consumer report and within my consumer file. I was contacted by phone after the XXXX complaint to the CFPB and informed that my request must be mailed to your XXXX XXXX XXXX. I mailed that written request by USPS Priority Mail, with tracking, and can verify receipt. Despite complying with your instructions and multiple complaints to the CFPB, you have still not provided the information. Neither have you even come close to addressing the complaints made to the CFPB. Your violations of the FCRA have escalated from negligent to willful since you have been provided notice of this issue multiple times. Further, every response that you have provided to my CFPB complaint has directed me to contact Experian. This complaint does not involve Experian. You are a subsidiary of Experian. The FCRA does not allow Experian to respond to a complaint against Clarity Services unless certain criteria are met, and those criteria do not exist here. Clarity Services published inaccurate information on my consumer report. I requested the identity of the sources of certain identified information from Clarity, not Experian. The Custodian of Records is designated as such for Clarity, not Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling XXXX  & Equifax regarding the multiple unauthorized inquiries on my credit reports due to identity theft but they refuse to investigate. I was told I need to contact each company and dispute with them & have them to forward a letter to them for removal. I have provided my theft report also have fraud alerts on all of my credit bureaus. Also I have advised them they are still allowing unauthorized inquiries on my credit reports. I am demanding this information removed asap this is damaging to my credit. This is fraud, I have included a list of the fraudulent accounts to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter over to Transunion for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Transunion to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit report. Pursuant to the Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me an updated report as soon as your investigation is completed. Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Took out a personal loan inXX/XX/XXXX this was to be a 60 month loan. On XX/XX/XXXX I went to the Lending Club payoff site to get a payoff quote. The quote was XXXX. I sent a text to the Lending Club this same day asking them not to process the auto pay due on the XX/XX/XXXX as I would be paying this debt in full on the XX/XX/XXXX. I could not pay it on the XX/XX/XXXXbecause it was XXXX XXXX and my bank was closed.So I made this payment on the the XX/XX/XXXX and was sent a thank you for your payment letter. After taking my payment then I was sent a letter stating that my payment was not the full payment. I then phoned The Lending Club to inquire about the discrepancy in payment resolution and was told that there website did not contain the correct quote as the Web site was assuming the auto payment. I felt intimidated in this conversation and offered to pay them in installments which they refused. I ended the call and decided to advice as I felt like I was being bullied into paying a debt that was not fair or owed by me. I was advised to request a dispute which I did and after a lot of haggling was told I would be granted. On XX/XX/XXXX was sent email stating they concluded that I still owed them $ XXXXthey have since increased it to {$490.00}
Product: Vehicle loan or lease

BMW financial is reporting my account late when its within 30 days of the federal guideline on making payments past the due date. I have contacted them and XXXX and they have no data or sent anything to XXXX to respond to the dispute. I have disputed this information multiple times and provided documentation to both BMW and XXXX that validate my payment was made within the given time period. I have attached my account statement with my due date and the date it was paid in the amount of {$600.00} on XX/XX/2022 via phone with there representatives since there online site was down for months. My payment is due the XXXX of each month. I have not heard from BMW regards to my dispute and its been over 30 days but they can respond to XXXX in less than 20 days.
Product: Mortgage

I have been misled by the representatives of PNC bank. I was looking at some refinance options and around XXXX XXXX, I called the bank before deciding on the refinance. The person I spoke to informed that my property taxes are low currently and I was issued an escrow refund of {$2100.00} in XXXX, XXXX. Since I never received the refunded amount, the check will be reissued. Additionally, keeping in mind the current lower property tax an escrow analysis was rerun and I was informed that my new payment will be around {$1900.00} from XXXX XXXX and I will be getting further refund taking my total escrow refund to around {$3800.00}. These payments will be readjusted in future when my taxes are recalculated by the county. However, when I called today to inquire about the delay in getting the refund check, another representative told me completely different thing. She informed me that only the XXXX payment will be refunded and my payment will remain same. 
This is a clear case of misleading the customer and because of the shady practice I lost the chance to refinance after paying appraisal and processing fee of around {$400.00}. It also messed up my calculations about another personal loan that I was hoping to repay with the refinance option. This sort of misleading has messed up my finances and I am stuck in a precarious situation. All the bank will do is " better train '' their employees.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX original XXXX XXXX XXXX XXXXXXXX {$7100.00} XXXX. XXXX XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$6800.00} XXXX. XXXX XXXX {$2700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please update this ASAP.
Product: Debt collection

On XX/XX/year>, I sent a formal letter to XXXX XXXX XXXX respectfully asking the account to be verified, immediately, by providing proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

No information was provided to me from the company, pertaining the alleged originated debt. I simply as the company to provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. XXXX ) A complete XXXX XXXX calculation of this balance, including the complete transaction history on this account, so I have proof that the amount is correct. XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation showing I gave you permission to have my information. XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. XXXX ) The purchase agreement. XXXX ) Swear under penalty of perjury you were present during the alleged debt. In the company 's initial response on XX/XX/year>, they stated ALL the documents I'm asking for is in their possession. I never received such proof. 

On XX/XX/year>, I sent another formal letter to XXXX XXXX XXXX, requesting to cease further communication, since they were unable to provide sufficient evidence of this alleged account of mine. Again, exercising my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) ; a consumer has the right to request a debt collector cease further communication.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Bank account or service

My account is overdrawn because it has overdraft protection and a surprise renewal was processed when the account was overdrawn. When I asked chase to remove the overdraft protection I was told that it would not prevent checks and/or debit transactions from posting to the account when it is already overdrawn. Seriously, do n't I have more control over my own account than that? If my account is overdrawn I do NOT want anything else paid until I get the account back in the black.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. State 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 wriiten instructions.
Product: Debt collection

In XXXX of XXXX, our home was broken into while we were away and numerous items were taken including our checkbook. On XX/XX/XXXX, a check was written from our checkbook to XXXX XXXX for {$500.00}. ( Interesting how the thief waited 4 months to use one of our checks. ) XXXX XXXX accepted the check even though we had closed the account within 24 hours after the robbery in XXXX. XXXX XXXX XXXX apparently " purchased '' bad debts from XXXX XXXX and then hired Trident Asset Management, LLC to  collect the balance due of {$520.00} which included a {$25.00} returned check fee. For the last 4 1/2 years, we have gotten phone calls and letters from Trident Asset Management to collect this debt. It has affected my credit report. Finally, after being worn down by Trident and desiring my credit report to be corrected, I go to their website after receiving a letter that they would settle for {$260.00}. Getting tired of their nonsense and wanting it off my credit report, I follow the instructions in the letter and go to their website. I click " Make a Payment ''. I enter the Trident Account # as indicated on the letter. I enter the last 4 digits of my SS #. I get a message " Account Not Found ''. What a joke this company must be. Not only do I not trust them, but I now intend to go whatever lengths it takes to get justice in this matter other than paying them a dime just to get it off my report.
Product: Payday loan, title loan, or personal loan

To whom it may concern : On XX/XX/XXXX I went to Wells Fargo bank to get a credit line for {$5000.00}. They informed me that the annual interest rate would be between 8 to 10 % and the charges would be made based in my spending not in the total credit line. On XX/XX/XXXX I started using this credit to build my credit score, but I realized that they lied to me : the interest rate they are charging me is widely higher than they initially told me it would be, and the charges are totally unfair. My last amount payment was for {$150.00} from which only {$17.00} has been taken as capital payment, and the rest has been taken as interest ( see attachment ). Also, when I called customer service to dispute this unfair charge and present a complaint, nobody, from any department can gave any solution to my problem. They just did pass me by apartment to apartment without solution or clear information regarding my concern. Showing throughout this that they are unprofessional and dont solve the problems their services produced. 
I reported this to the Financial Consumer Protection Bureau, with case number XXXX. However, Im still waiting for a fair response and a real solution because the only answer I got from them was on XX/XX/XXXX telling me that : they are following the procedures according to the contract and that everything is fine. Gentlemen, anything is ok, I did not sign a contract under those conditions. They lied to me and made me sign a misleading contract, with a convenient yearly interest rate for them, which is of about 20.500 %, is useless, and I am not agree with. 
Overall, I respectfully request the adjust of my interest rate to the rate they initially offered me. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2019 made a purchase of 2 motorcycles financed through yamaha motor financing. One is a 99 XXXX and the other a 2006 XXXX. Both ihave a title lien with the credit company. Today i went to discuss making another purchase and was told by the sales rep that it's illegal in NC to finance with Yamaha motor on anything older than 8 years. I honestly don't know if this was a sales tactic or if I've been bamboozled by the original dealership and Yamaha.  Total financed on both motorcycles was initially around XXXX the interest is around 30 percent. I can not use this card for anything besides purchases at an authorized Yamaha dealer so no other purchases were made on this account. Im concerned about the legality.
Product: Money transfer, virtual currency, or money service

In XX/XX/2022, I tried to make a transaction with my Venmo account. Venmo locked my account for no reason. I tried reaching out to them immediately to let them know that the transaction was valid and there was no fraud, but they refused to unlock my account without proof of ID. I explained may times that I did not feel comfortable sending them the required self photo of myself holding my drivers license or passport due to security/privacy concerns. I did eventually upload a selfie, holding my drivers license but covered my DL # for protection. Venmo has refused to use that but also refused to tell me what specific information they need ( i.e. name, address, etc ). I can not imagine that the DL # is necessary as it wasn't necessary to open the Venmo account. It has been 8 months at this point of emails ( they will not discuss this on the phone ) and I still can not have my account unlocked or closed at this point.
Product: Money transfer, virtual currency, or money service

I am filling 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 affective 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. Those actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I noticed some late payments. I sent letters over 30 days ago but have not received a response, nor have they provided satisfactory validation. I would greatly appreciate your assistance in resolving this issue. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit inquiry for a mortgage, i am not looking for a mortgage, i did not authorize this inquiry.
Product: Credit reporting or other personal consumer reports

This is my third complaint about fraudulent information on my report they are stating that I am not an authorized party to the account If this is true then why is it on my credit report They are reporting information in error to my report that I am not a party to until this matter gets investigated IT MUST BE REMOVED FROM MY REPORT ESPECIALLY IF I AM NOT A PARTY TO THE ACCOUNT YOU HAVE INCORRECTLY REPORTED FALSE INFORMATION TO MY REPORT REMOVE IT BEFOR I CLAIM DAMAGES IF I DIDNT GET FULL DISCLOSURE BEFOR BEING REPORTED IT CAN NOT BE REPORTED ACCORDING TO THE FEDERAL LAW 15 usc 1681c this account now or provide full accounting showing that you provided me XXXX  XXXX credit if u can not remove it from my report any denial of my rights will come at a cost set by the only real bureau
Product: Credit reporting or other personal consumer reports

They are continuing to report fraudulent information on my credit report even after being notified. I have freezed my account and there has been access to my report after applying a freeze
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax for months and they have not sent me ONE LETTER back! My Equifax credit file just disappeared. I read online where they like to do this to consumers that dispute things with them. I am just another victim of their vengeance. They are robbing me of letting me see my consumer information and robbing me of investigating the illegitimate things on my report with them. The attached documents i never received any response letters from them.
Product: Credit reporting or other personal consumer reports

Violation of 15 U.S.C 1681A subsection ( i ) as well as 15 U.S.C 1681b subsection 3A violation of permissible purpose. I Sent request through certified mail for a copy of the original contact as well as with authorization to furnish and obtain private source data information from a third party and the only thing that was returned was a alleged billing statements which is not what was. Requested