23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the attached items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

My husband and I had credit cards through First National Bank of Omaha in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from XXXX XXXX XXXX XXXX for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called XXXX XXXX XXXX who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my XXXX credit report that I do not recall nor authorize the below company. Letters ( XX/XX/XXXX and XX/XX/XXXX ) were sent to the company attempting to get this removed. No response! 

Syncb/XXXX XXXX, FL XXXX
Product: Student loan

I have a student loan serviced by Heartland ECSI. Or rather, they have purchased my student loan debt from another company. 

I set up automatic monthly payments for my loan in XXXX of XXXX. Months later, I looked at a paper statement and saw that I somehow owed a past due balance. 

First of all, the information on the paper statement never matches the information provided by customer service representatives or the website. I'm sure there is some kind of explanation for this, but it is incredibly confusing for the consumer. It took me hours of looking at the website and trying to get ahold of customer service ( which I was unable to do ), and I thought I figured it out finally and paid what I thought was the past due part of that ( {$22.00} and change I think ), and let my regular payment be deducted automatically. This was in XX/XX/XXXX. At that time, I was told that my monthly payment is {$74.00}, and I set up automatic payments for {$75.00}. 

Today, XX/XX/XXXX, I received a paper bill in the mail that says I owe {$150.00} again. Current amount due : {$74.00}, Past due amount : {$78.00}, Fees due : {$5.00}. I immediately used the virtual assistant to be connected to an online chat with a customer service representative. The virtual assistant said I owed {$82.00}. Already not matching the info I have. The customer service rep said the fees were valid but that I only needed to pay {$8.00} to clear up the issue. Even more different information. Then, my conversation was bounced from the chat and I got a notification that it should be open in another browser window, which it was not. So, I sent an email to file a formal complaint, which bounced back saying I couldn't email due to " privacy concerns ''. So, I got back on the online chat with a new rep. This rep says the autopay system allowed me to set up my automatic payments for the XXXX every month even though my payments are due on the XXXX, and they want to charge me late fees. I chose the XXXX from a list of dates offered in the autopay system and was not informed until today that that would cause me to be charged late fees. I find that completely unacceptable. I also find it unacceptable that I'm being told so much contradictory information about what I owe.
Product: Credit reporting or other personal consumer reports

*COMPLAINT FOR NO RESPONSE IN 30-DAYS REQUIRED UNDER FCRA LAW Subject : Complaint against XXXX for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Transunion regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my request for validation of incorrect information on my credit report within the mandated time frame. 

On XXXX XXXX, XXXX I sent a letter to Transunion via certified mail, requesting them to validate the inaccuracies being reported on my credit. According to the FCRA, the credit reporting agency is required to respond to my request within 30 days. However, I have not received any response from Transunion, despite the certified mail receipts clearly indicating that they received my letter. 

This failure to respond within the specified timeframe constitutes a violation of the FCRA by Transunion. As a consumer, I have the right to receive timely and accurate information from credit reporting agencies, as outlined in Sections 611 ( a ) and 611 ( a ) ( 1 ) ( A ) of the FCRA. 

I am now requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and taking appropriate action against Transunion. The failure to respond undermines my rights as a consumer and hinders my ability to rectify the inaccuracies on my credit report. 

I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Transunion complies with the FCRA and promptly provides me with the requested validation of inaccurate information. Furthermore, I ask that Transunion be instructed to remove the incorrect account from my credit report, as mandated by the FCRA due to their failure to respond within the required timeframe. 

Enclosed with this letter, you will find copies of the certified mail receipts as proof of Transunion 's receipt of my request for validation. If any additional documentation or information is necessary to proceed with the investigation, please let me know, and I will provide it promptly. 
Hide trimmed content Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this violation by XXXX and ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX
Product: Debt collection

My father prior to his death in XX/XX/year> had opened numerous credit account without my knowledge, and was paying on theses accounts monthly. When he passes away we started getting phone calls from the various card companys demanding payment. It was then we realized what had happend and do not have the ability to pay off his dept.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : CFPB CASE # XXXX - Respond not a Fair Enough Capital One Account # XXXX Dear Capital One, I am not happy your response which I received and I feel like your bank treated me very unprofessionally and I feel like always discrimination. 
I will attached your reference Capital one Credit Bureau resolutions letter on XXXX and XX/XX/XXXX Capital one asking Supporting documents for account number ending XXXX. 
Your letter indicated ( Capital One CFPB Case response XXXX ) your bank update details are accurate and how possible they asking supporting documents? this is a discrimination. 
I am maintain XXXX accounts good standing and good payment history ( Last XXXX # ending XXXX XXXX ) Please re investigation my issues and Consider " Goodwill Adjust " this account and remove Late payment on XX/XX/XXXX Really Appreciated Thanks ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021 I received a check from my mortgage company for {$670.00} for escrow account overpayment. They also informed me that my escrow payment would increase by over {$24.00} per month. This did not make sense so I contacted the lender and while their representative was very patient and polite said they could not change the increase and referred me to their mortgage refinance office. I called that office the following Monday ( XX/XX/2021 ) and after being on hold for 48 minutes I had to hang up. I recalled again today ( XX/XX/2021 ) and have been on hold for 1 hour and 15 minutes so far. They are by this action refusing to take calls from clients. I want to refinance my mortgage at the current lower rates but they will not speak to me. I am a XXXX XXXX and believe they are purposefully targeting seniors for abuse. Please help. 
Thank you.
Product: Debt collection

I canceled our service with XXXX XXXX months ago. The 2 years equipment leasing contract had expired back in XXXX of 2016. Earlier last year they were promoting an upgrade to XXXX service. All of the promotional information on tv, on our statements, or provided directly from the customer service representative stated no contracts or extensions of current contracts for the upgrade. When the tech showed up to add the connector to our existing box, he also confirmed no contracts. Going forward there was nothing reflected on our statements, as had been in the past either. Well the service was lacking and their pricing for viewing packages continued to increase. We decided to cancel, and never received our final bill. I had paperless billing which means you can only access your statements online. However, once you cancel, you can no longer access your account! it took months for a representative to finally provide me with the final bill. Much to my dismay, it showed a contract cancellation charge, which never should have been. I have tried for months to get this corrected and get my true final billing. Unfortunately it is nearly impossible to speak with someone that is not in an off-shore call center and they just repeat scripted responses! I was told finally that apparently once XXXX XXXX has your digital signature on file, they apply as they see fit! this is completely unscrupulous! There was never to be a contract for what turned out to be a joke of a XXXX upgrade! I am demanding that they provide me with the correct final bill, so I can pay.
Product: Checking or savings account

Chase closed my account randomly nearly 3 years ago. I was not given an answer and upon going into the branch as advised over the phone, I was given horrible service and mistreatment. The bankers that are usually nice to me were very cold and mean. I was given no reason as to why my bank account was closed and was told I can never bank with them again or reverse the decision. Ever since Chase switched to chip cards, I had a lot of trouble with my account and people had stolen my information. It seemed like my card was always being blocked for the wrong reason or messed up. Ever since Washington mutual switched to chase, the service has just gone downhill.
Product: Debt collection

I am getting constant calls from Portfolio Recovery Services. I do not have any old debt. They never leave a message. I researched the numerous numbers they use to contact people and I do not answer the phone because it appears from the research that this company is not creditable. I just purchased a house, so I know my credit report is clean.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB finding indicate that zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud.
Product: Credit reporting or other personal consumer reports

They are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. Without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ]. 

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my EXPERIAN consumer report on XX/XX/2023 without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA ) and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). Chester v.

Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/2023 to XXXX XXXX XXXX
Product: Credit reporting

Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Transunion here are the detail of the hard pull inquiries which were not authorized : 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 or prepaid card

On XX/XX/23, a balance transfer was made from XXXX XXXX to Citibank for {$3500.00} with a balance transfer fee of {$170.00}, posted on XX/XX/23. That balance transfer never went to my XXXX XXXX account. On XX/XX/23, I did a chat with Citibank online explaining the transfer balance never went through to my account, and I provided the last 2 digits of the card as requested, I was told it does not match. Again, I explained it went to the wrong account. Citibank Rep. tried to cancel but the check cleared and couldn't be cancelled I then informed Citibank Rep I'm not paying for a transaction that I never received Citibank stated they understood. I had an online chat on XX/XX/23 & XX/XX/23 regarding the same issue, still not resolved. Citibank open up a dispute claim dated for XX/XX/23, XX/XX/23 and recent XX/XX/23, I received a letter from Citibank telling me proof of electronic payment has been sent to XXXX XXXX products so they can credit the balance to the correct account as of XX/XX/23 this has not taken place. I received the separate cover notice via email on XX/XX/23 with the transaction Id # showing proof of payment sent on XX/XX/23 but as per XXXX XXXX and my bill statement this transaction did not post to my account. I called Citibank on XX/XX/23, XXXX, XX/XX/23 and XX/XX/23 given them the same info they requested nothing was corrected. I even tried on XX/XX/23 with online chat but since I closed my account because of this Rep was unable to provide information.
Product: Money transfer, virtual currency, or money service

I recently made {$30000.00} on the trading brokerage Robinhood, but they have frozen my account and all transfers. I have spoken on the phone and verified my identity along with bank statements and they say they are working on getting it resolved with no specified time frame. I looked into it and it seems to be a common problem which ends in account deactivation and never receiving funds. They haven't deactivated it yet but their emails seem to point in that direction as they have offered me no help. I have done nothing illegal and I am going on a trip and need access to the funds. I sent a letter of intent to sue and if it is not resolved shortly I plan to do so, but I don't think I should pay lawyer fees when I have done nothing wrong. It says action is required to resolve issue but when I go to that page it just tells me to wait for 10 days they keep emailing me to verify identity when I already have in numerous occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

hey, I have been exposed to identity theft and have never had a contract or did any business with XXXX XXXX XXXX there is NO WAY THEY SHOULD HAVE MY INFORMATION! Someone gave them my information without my consent and now its on my consumer report and that is illegal.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has closed out an account that was last reported on XX/XX/XXXX, with a close out date for XX/XX/XXXX. XXXX of XXXX, I reviewed my latest consumer report and its reporting as a repossession. 
I am aware that any transactions between a consumer and a creditor should not be furnished on a consumer report. I also did not give XXXX XXXX nor XXXX, Transunion, or Experian consent to furnish this negative account on my report. I also was not given a chance to opt of reporting for this account. As of today XX/XX/XXXX, this is my written consent to opt of credit reporting for this account. Because I am aware that I have all rights to privacy, I will hold whoever knowingly and deceptively falsified negative, non-personal information liable to the extent of what federal law allows. A cease-and-desist letter is attached to this report as well as an FTC complaint. This account should be deleted Immediately.
Product: Vehicle loan or lease

Leased a XXXX XXXX from Volvo Financial in XXXX. Set up autopay to pay the lease monthly. Without any alerts, Volvo 's autopay service failed. Received no emails or physical mail about delinquent payments, but Volvo reported a late payment to the credit bureaus on XX/XX/XXXX. Called to rectify, set up autopay. Called XX/XX/XXXX to ask for removal of credit demerit. Was told to call back today ( XX/XX/XXXX ) for credit search. The customer service representative told me that it was denied. Additionally, I logged into my account today and despite the autopay setup, says my account is 7 days delinquent. Again, I was not notified even when calling customer service. Clearly not interested in correct reporting or setting up autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2023 I contacted XXXX XXXX credit card to set payment arrangements after I was hospitalized and off of work. They agreed to do the payment arrangements of {$300.00} dollars total of XXXX payments. We agreed on it I received my confirmation letter for payments I got online to make my first payment and could not do it by the app online. I called them and spoke to a representative who took my payment over the phone. A few weeks later a get a call saying my payment was returned I said no not possible they read the information the representative prior who made arrangements had the incorrect information. I gave them correct information for my bank and first payment was withdrawn from my bank. I had to call back to do the the following payment. When I called XXXX XXXX  representative said my credit card was closed I asked to speak to a super and no one could give me an answer other than wait for a letter. XXXX XXXX had a breach of contract after arrangements were made by both parties myself and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.
Product: Debt collection

Medical Data Systems recently reported a collection to my credit report and I would like Debt Validation