23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

TJX Customer Service XXXX XXXX XXXX XXXX, MA XXXX Dear sir, I have received an email from your company which indicate your company still consider that I am a member of your company credit card, TJMax Reward credit card ; however, as I have contacted several times with Synchrony Bank for months, I am not member anymore. I feel regret your company send the past reward certificates information, which became void or unusable by myself and still your company and/or blamed me as I used them. Even though still there is an issue the mysterious and unknow check refund which is in issue recently and recurring inquire to remind I have closed my credit card/synchrony bank closed abruptly, I do not want your company to mention me that I have still had the account with your company since I do not find myself to be blamed by your company and Synchrony Bank XXXX Therefore, please do not send me anymore email again. From the beginning, I can not open the online account anymore and can not check whether the mysterious credit which has been indicated the last month still exist becaue I have issue with XXXX. I have the missing credit/refund occurred by XXXX and it might have refunded to your company credit card which was just closed. I have been asking XXXX where the missing credit is which XXXX owe, and still it does not answer me. I regret entire closing process caused this situation. 
Sincerely,
Product: Bank account or service

On Thursday XX/XX/2017 I initiated a wire transfer with Bank of America to a XXXX bank. By the next day, I received a confirmation email saying transfer successful. By Monday XX/XX/2017, the funds had not reached the recipient. By Tuesday XX/XX/2017 I painstakingly initiated a recall on the lost funds. I was first told I would have to pay {$45.00} for BOA to locate the money that they lost themselves. This was then waived. It has been 3 weeks since this recall was initiated, I have had no contact from bank of america. I am now being told that if they can not find the money, they will not refund the money to me, that I will simply have lost {$3000.00}. This feels like theft, except that there is no one to report this robbery to!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from 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 with a balance of {$9100.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ), as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit card

I have XXXX balance transfers on same card. XXXX XXXX interest with XXXX off date of XX/XX/XXXX, XXXX with 1.99 % pay off XX/XX/XXXX. I called in XXXX and got total balance of XXXX interest. Requested full pay off on phone. Sent payment to pay off and to pay on second transfer balance on XX/XX/XXXX, XXXX The payment posted most to the 1.99 % card and then jumped balance to a 20.74 % interest on the balance that should have been XXXX. I have spent the last 6 months talking to managers to correct.
Product: Credit reporting or other personal consumer reports

I have 2 hard injurties that went done by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I SPOKE TO THE COURTS AND THE CLERK VERIFIED THAT DON'T REPORT TO THE CREDIT BUREAUS. I KNOW I HAVE BLOCKED MY REPORT SO I'M CONCERNED WHERE THEY ARE PULLING THIS INFORMATION FROM SAYING IT IS VERIFIED. PLEASE PROVIDE ME THE ACTUAL PETITION WHERE THEY ARE GETTING THIS INFORMATION FROM. 
INACCURATE CITY AND STATE MUST BE LISTED IN THE COURT NAME FOR IT TO BE LISTED ACCURATELY. SHOULDN'T BE NO ABBREVIATIONS, FILE # 'S NOT ACCURATE, FILE DATE .BKPT NOT ACCEPTABLE.SEE ATTACHED THE VIOLATIONS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to send me my free annual consumer report. The corporation keep saying they need documents to verify my identity. Documents has been sent already. TransUnion refuses to send me my report. I have already filed one complaint with the CFPB concerning this matter, reference number XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports, and discovered several inaccuracies in the personal and home information listed. It's imperative that this infromation be updated across all credit reporting agencies to ensure accuracy of my credit profile. 

These inaccuracies include 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  In addition to these, the correct spelling of my name that should be listed as XXXX T XXXX, with the updated and only address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I kindly request your assistance in facilitating the correction of these inaccuracies with XXXX, Equifax, and XXXX. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX.
Product: Checking or savings account

I had a savings account with bank of America from social security payment. 
On about end of XX/XX/XXXX, I found out someone stole all the money. I made numerous trips to local bank and reported to various organizations. So far I was reimbursed most except around {$8000.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and am writing to request the blocking and deletion of the following accounts and inquiries from my credit report, as authorized under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). In order to protect my personal information and prevent further harm, I ask that these entries be removed immediately. 
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$7200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$3300.00} Inquiries to be Removed : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes the assurant from Equifax told me that they were going to reimburse me the loss and all the issues I have been passing for this mistake in the Data breach with Equifax plus that I have the trusted ID premier they told me that will covered the fraud and identiry fraud but after a month no body call me back they ask me for all the documents and I did send it but know they say they didn't get it and I have the proof that the company signed for the documents I just want to Equifax keep the promises about my identity fraud
Product: Vehicle loan or lease

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX And : Nissan Motor Acceptance Corporation XXXX. XXXX  XXXX XXXX, Texas XXXX In XX/XX/XXXX, I purchased a new XXXX XXXX  from the XXXX XXXX dealership and financed by Nissan Finance. 
There were faults with the front-end, which posed a danger to my life as well as my family. 
On at least three occasions I returned the vehicle for corrective actions but no sincere actions were taken to fix the problems.

During the Covid-19 development in XXXX XXXX, and the need for a safe vehicle, I was forced and confusingly given a more costly XXXX XXXX ( new XXXX ) vehicle. This entire misleading transactions left me with a high balance of {$45000.00} plus and an interest rate of over {$500.00} monthly. 
This type of negligence and deliberate breaking of the Arbitration Agreements have damaged me financially and the company must be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian score range is XXXX points lower than XXXX and XXXX XXXX XXXX After I filed complaint against them they decreased my score again without merit or valid credit based rationale. 

I see Experians decrease following my CFPB complaint as a form of retaliation. In addition, harassment and breach of fiduciary. 

Request immediate CFPB investigation. These acts are causing me me harm by having a loan with higher interest rates. Wheres the accountability?
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s.c 1681 section 602 A. States I have 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

on XX/XX/XXXX after CAREFULLY examining my XXXX account descepancy I now encounter an almost {$2000.00} discrepancy in the Negative again apr XXXX XXXX. 
. I personally went to a local branch on XXXX XXXX XXXX XXXX XXXX  Nothing was done on their part to rectify the question as to where is almost {$2000.00}.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states XXXX. Accuracy and fairness of credit reporting. The Congress makes the following findings : XXXX. 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 ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer.
Product: Debt collection

I have received two phone calls from XXXX XXXX XXXX, on on XX/XX/2020 and the second on XXXX/XXXX/2020. Both times a voicemail was left. The first time, the caller only stated that he worked for XXXX and then proceeded to state the company a debt was owed to and the amount. The second time, the caller ide tidied himself as XXXX XXXX and that i should listen to the voicemail in private. He then continued to state he was a debt collector and a debt was owed to CitiBank and specified amount. I have no mailed notification from this company.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding EQUIFAX 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ Insert Date of Initial Complaint ], I disputed several fraudulent accounts and provided EQUIFAX with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, EQUIFAX failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores [ CREDIT BUREAU ] 's failure to uphold consumer protections under the FCRA. 

EQUIFAX has also claimed that my FTC document is not coming in clear as I've sent multiple letters through the CFPB portal along with supporting documents to EQUIFAX. I have sent my FTC document ( XXXX ) three times or more. My EQUIFAX ESCALATION number is ( XXXX ) and has been notated.
Product: Credit reporting or other personal consumer reports

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished. 
i have attache a report along with my ID and social for assitance. this is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed because these accounts do not belong to me, Please resolve this matter as soon as possible. Thank you very much!
Product: Money transfer, virtual currency, or money service

Between Monday XX/XX/2020and XX/XX/2020there has been 3 transactions totaling {$70.00} sent from my account that was not authorized I contacted the cash app company to get my money back and they where no help.
Product: Payday loan

I bought a timeshare and was referred by them to a six month payday loan because I wished to pay in cash. I was told I would not have to pay interest on the loan. In the fourth month of the loan, I started receiving emails stating that I had a line of credit with PayPal that I could use at any time ; emails of wonderful items were sent to me to purchase same. In my last month, I decided that wished to use the account and informed them I would leave {$500.00} balance so that my credit would show something to be recorded. On the day the loan was completed, I received an email stating I owed {$400.00} in interest. I was under the impression I would only be charged for {$500.00} of interest in order to maintain the line of credit that I did not ask for, therefore, I paid the amount in full ( {$500.00} ) that day. I asked to speak with a Paypal manager and was informed " too bad, '' I should 've paid the {$500.00} two days earlier and not assumed I would only be charged interest on money that I thought was okay to leave since that was n't part of the " short term loan. '' I was swindled into not paying the entire loan off because I thought it was " nice '' of Paypal to extend a line of credit to me, as well as a loan. Had I not received their " nice '' gesture of " giving '' me a line of credit and allowed the relationship to maintain itself, I never would 've left a balance for the " line of credit. '' I have been paying {$100.00} per month for the interest of a loan that would 've been paid if I had n't been swindled by a company I would 've never thought would swindle me. If I could have my " interest '' payments received and the remainder erased, I would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Product: Debt collection

Contacted my husband and my parents threatening to present me with legal documents and arrest. 

I told them I had no knowledge of the account and they were unwilling to provide me anything other than the amount. Would n't give me an address or name of company.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Balance {$330.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX  Balance {$700.00} Open Date XX/XX/XXXX XXXXXXXXXXXX  Balance {$440.00} Open Date XXXX XXXX, XXXX Inquiries XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TRS Recovery Services sent me a letter stating I owed TeleCheck {$100.00}, and {$100.00} for Checks to a XXXX XXXX and a XXXX, Both of these checks were stolen and my signature was forged. TRS is trying to collect on Fraudulent forged checks. I have already reported both of these checks to my banks. XXXX, and XXXXXXXX XXXX. These were checks that were stolen, and written and converted to ACH. This is ACH Fraud. I did not sign these checks and my signature would have been forged. I do not do business with either of these merchants, I have never authorized these businesses to use my checks or to withdrawal funds from my account 's. Both of these transactions are fraudulent, My wallet and checkbook was stolen. These transactions were never authorized, and I did not sign for these checks. I reported these checks stolen promptly which is why my bank disputed these transactions as forgrey. I have attached an Identity Theft Affidavit which lists these transactions. TRS XXXX # XXXX and XXXX Neither of these checks were signed for nor authorized. I am a victim of identity theft and this is my statement of dispute. TRS Should stop collecting these fraudulent items immediately. I do not owe these merchant 's for either of these checks because they were stolen and forged. I promptly reported this to both banks. I do not authorize any transactions to either of these merchant 's and I will not pay a debt I did not obtain.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ONEMAIN I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 
It has unequivocally come to my attention that ONEMAIN has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for ONEMAIN to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that ONEMAIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 
I anticipate your immediate attention to this matter and expect that ONEMAIN will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

XXXX.