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

I have written several letters and have not received a response. The letters are in regards to me reviewing my Credit Report and noticing the unauthorized out dated incorrect and erroneous information that is being furnished on my credit report. I have over 34 accounts and inquiries that I demand be deleted from my credit report as pursuant to 15 USC 1681 ( a ) ( 3 ) and 15 USC 1681 b ( 2 ) TransUnion assumed this role and my direct written instruction/permission was never given. TransUnion is in violation of my Right to Privacy according to 15 USC 1681 4. TransUnion did not exercise its grave responsibility, was unfair and was partial. Furthermore, TransUnion did not have a permissible purpose under 1681 b 2. I never instructed TransUnion to furnish this report and I never consented to this report in the first place. Furthermore, actual evidence of documentation has not be provided when requested after previous disputes. I am demanding that all of these accounts and inquires be deleted from my report and file along with my phone number and all inaccurate names. Please see attachment : All items with a black circle or the word deleted next to it, I demand be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about theXX/XX/XXXX I sent a letter to Professional Debt Mediation , Inc . The intend of this letter was to offer them an amount and in return, they would remove the debt they posted to my credit file. In that letter, I was insistent on the fact that because I offered to settle on that account, that in no way meant that I was acknowledging that debt of accepting it as my own. On the XX/XX/XXXX, I received a letter addressed to me from Professional Debt Mediation , Inc . In it, was a confirmation of debt. This confirmation of debt, however, is for someone by the name of XXXX XXXX, also referred to in this correspondence as XXXX XXXX. I am not XXXX XXXX  ( XXXX ) nor have I ever been associated with someone by that name. I have never lived at XXXX XXXX XXXX Apartments nor have I ever signed a lease there. Professional Debt Mediation, Inc. not only violated someone else 's privacy and confidentiality but they also failed to properly confirm my debt with them.
Product: Mortgage

I have had problems with Quicken Loans from the start of the application process in XX/XX/XXXX. They promised to have my loan processed by XX/XX/XXXX and it was XX/XX/XXXX before it was actually closed. The reason for the delay was because they failed to obtain an appraisal. They went outside the area for the appraiser, when they could have had one in my town, and it took the appraiser 30 days to schedule and then 30 days for the report. I also sent the required forms to them as soon as possible and several times they claimed they did not receive them when in fact they had. 
I am now having problems trying to payoff the loan. A portion of my property was taken by the State of Oklahoma Transportation Department for eminent domain. I received my check from the State on XX/XX/XXXX and called Quicken Loans that same day for instructions for payoff. They told me it would take 3-4 business days to complete the process and to send them a authorization letter along with the signed check. I mailed the required authorization letter, signed check, and copies of the ODOT letter by certified mail on XX/XX/XXXX. I get a call from Quicken Loans on XX/XX/XXXX saying they did not get the authorization letter ( they did not say they got the check ). It scared me because I thought the check was lost. I know that I sent the letter because I made copies of everything I sent. It is not in my files nor in my scanner. I double checked my documents before I sent them. I am very meticulous and organized. Someone at Quicken Loans lost the letter. I was gone from my home for five days and when I got home I checked my messages I found out they did not have the letter. I called Quicken Loans the next day and they told me I had to re-submit it. So I sent a copy by email. The person I spoke with then told me it would take 3-4 days to process it plus 7-10 days for a refund. That was not what they had told me. I was expecting the refund by XX/XX/XXXX at the latest. 
She also told me that my refund is around {$30000.00} when in fact it is over {$36000.00} because of escrow deposits. I think they are trying to cheat me. I paid a lot of money for this loan. 
I wish I had never dealt with Quicken Loans. They are unprofessional and do not do as promised. During this whole process I have talked with at least a dozen or more people, never the same person. It was and is still very frustrating. I understand that it takes CFPB 15 days before they can do anything to help, I want to inform the public about Quicken Loans ' procedures and their failure to perform as promised and about possible fraud if in fact they are not paying me my full amount.
Product: Credit reporting or other personal consumer reports

Recently, I did an an investigation on my report and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) TransUnion shall block the reporting of 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 and it requires the following documents and statement to remove the disputed account on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Debt collection

I am reaching out in regards of all the incorrect and inaccurate dates thats on my credit report. Some accounts have different balances, different credit limits, different account types, different last active dates. Why arent these dates accurate across all three credit agencies? These inaccuracies are affecting my well being and quality of life. Below I have attached my credit report highlighting all the inaccurate dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$18000.00} This account is PAID off and should be removed from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$2300.00} This account is PAID off and should be removed from credit report. A payment arrangement was worked out and was paid off. 

XXXX XXXX XX/XX/XXXX XXXX Amount : {$1000.00} This account is PAID off and should be removed from credit report. This account was paid off in payments. 

XXXX XX/XX/XXXX XXXX AMOUNT : {$470.00} I did not charge on this card and reported it lost or stolen. It should be removed from credit report. 

XXXX XXXX XXXX {$800.00} THIS ACCOUNT HAS XXXX BALANCE AND IS PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMOUNT : {$700.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX AMOUNT XXXX {$300.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS PAID OFF IN XXXX. 

XXXX XXXX XXXX Amount : {$1900.00} This account Has been PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX  XXXX Amount : {$1400.00} This account has been sold to a credit consumer agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX Amount : {$740.00} This account has been sold to a credit reporting agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN PAID OFF AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I PAID IT OFF THROUGH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WAS SOLD TO A CREDIT REPORTING AGENCY AND IT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT AS THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS ABOVE HAS BEEN VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

how can you have two customer numbers for same file Customer number : XXXX Customer number : XXXX Delete ALL MY INFORMATION IN YOUR FILES
Product: Checking or savings account

On XX/XX/2022, I opened both 360 savings and CD with Capital One. 

Before funding the accounts, I called to inquire about the transfer timing as well as concerns relating to XXXX as the funds exceeded XXXX and I did not want any issues as I do not transfer large quantities. 

The representative assured me that funds are typically available within a day depending on timing of the deposit, the 2-3 is the checks the back in take to look into XXXX and verify the source of the funds. 

I saw the deposits in the savings account post and every time I clicked on the CD the date for processing was extended, this happened twice. This was suspicious to me and raised my XXXX through the roof. I called again XX/XX/XXXX, as I am certain that when the deposit was made it reflected 2-3 days as the associate also stated and this is pretty standard. The representative tried to put me at ease of my funds will be processed on XX/XX/XXXX. I was not as I am 98 % certain that the processing date changed. If I knew I had to take screenshots of every capital one transaction I would have never opened an account. 

I called again on XX/XX/XXXX and informed the representative that their practices provide me with worry, and I do not care to have an account with capital one. I requested for them to release and return my funds. He stated that CD require a 10-day hold. I requested to speak to a manager, XXXX stated the same and added that although funds are held the account gains interest from the initial transfer and all their CD takes 10 business days. Had they disclosed the 10 business day, I would not have opened an account, that is very peculiar. 

I informed her that I read all the disclosures when opening the account and none of the disclosures informed the customer that a 10 business day hold is required. XXXX tried to find where it is documented in the disclosures and was also unable to locate the language. 

In my opinion, this is deceptive practices. It is required that terms of the account be disclosed. Customers can not rely on employees verbal attestation of how the account grows interest, transfers and holding of funds. 

This is first time in all my banking years that opening an account caused XXXX  and the only bank I did not feel protected and had to close the account within the first two weeks. All my other banks for over 20 years. 

It is also important to note that two deposits in the savings was posted while the same 1 transaction prior to was and is still processing. So they verified my identity... 

Attached is the disclosure from Capital One
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : FXXXX XXXX XXXX XXXX # XXXX Account Name : UNKNOWN # XXXX Account Name : UNKNOWN # XXXX Account Name : Federal # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

How do I join the CFB fund to recoup damages from portfolio recovery PRA?
Product: Credit card

Bank of America allows me to create a new credit card online but it doesn't allow me to close my credit card account online which is against some state level subscription and payment laws and also just a dark pattern that should be prohibited federally if it is not already. There is no reason I should have to call the number and wait on hold, visit a bank branch, or write in to them to close my Alaska Credit card that has a XXXX balance and paid out in full each month. It makes no sense that they can not allow me to transact with them via their online interface other than to restrict my financial choices and hold my account hostage. The card has an annual fee and the only way to void the fee and cancel the card is to waste my time with AI agents that can not help me or wait on hold for a human.
Product: Credit card

In XX/XX/XXXX, my Citibank Mastercard was subjected to fraudulent activity amounting to {$9600.00}. Despite promptly reporting the issue to Citibank in XXXX XXXX, taking extensive communication and providing all necessary evidence as per Citibank 's guidelines, the issue remained unresolved for an unreasonable amount of time. In a conversation with a Citibank representative in XXXX XXXX, I was informed that the transaction was not fraudulent, and purportedly, there was a screenshot indicating that I had made the payment online. Despite requesting a copy of this screenshot, it was never provided to me. Moreover, Citibank began charging monthly interest associated with the fraudulent amount to my account as early as XX/XX/XXXX. 

Subsequently, in early XXXX, I engaged the services of a local lawyer and enlisted the assistance of the XXXX XXXX XXXX XXXX XXXX to address the matter ( see attached document titled XXXX XXXX XXXX XXXX ' ). On XX/XX/XXXX, the district court in XXXX XXXX ruled the case as criminal ( see attached document titled 'HanLarryHemingwayLeeSummonsComplaintJudgment [ XXXX ] ' ). Despite providing Citibank with the XXXX 's document and the court 's ruling in early XXXX, it wasn't until XXXX XXXX that Citibank finally credited the fraudulently charged amount of {$9600.00} back to my account ( see attached file named XXXX ' ). However, the interest charges associated with the fraud remained in my account. Despite numerous calls and negotiations with Citibank, the interest charges were not addressed until XXXX XXXX, when Citibank partially credited the incorrect charges back to my account ( see attached file named XXXX ' ). It wasn't until XX/XX/XXXX that Citibank finally corrected their mistakes regarding the interest charges ( see attached file named XXXX ' ). 

The failure of Citibank to promptly identify and address the fraudulent activity on my account, coupled with their initial disbelief of my claims and the subsequent erroneous interest charges, has caused significant inconvenience and financial strain. As a result, I have incurred substantial costs associated with legal fees, investigative services, and court proceedings ( see attached file named 'Cost list XXXX ' ). Per the terms of my credit card agreement ( see attached file named 'TermRule-Document ' ), these costs should rightfully be borne by Citibank.
Product: Debt collection

Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. I sent a Creditors Validation letter to NCC Business Services XX/XX/2017. Due to the fact that my problem doesnt truly exist in the drop-down menu, I will explain it myself in detail. NCC Business Services claims I owe a debt from an apartment complex that I actually left on my given time. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. I sent them a letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case, the debt was validated in thirty days ( 30 ) by NCC Business Services. Therefore, by the FDCPA that NCC Business Services was not able to prove that I had a left over balance. So, NCC Business Services was supposed to inform me and XXXX XXXX that they are removing themselves from my credit report for not being able to validate the debt. I have my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them and record all the calls on my behalf. Under the State of Texas Recording Law and NCC Business Services agreed to the recording by accepting my authorization letter signed by me giving XXXX XXXX XXXX authority to speak on my behalf. As you going to see the letter state that all calls will be recorded on my behalf. I am going to provide the recording, the creditor 's validation letter, the mailing dates they received the letter. Now, according to the FDCPA that is the Fair Debt Collection Practice Act the collection company has thirty days ( 30 ) to respond to the letter. Neither one has made an attempt to call not send me a letter stating that they have validated the debt nor have the ceased all collection efforts because they can't validate the debt. According to the FDCPA, a collection company must cease all collection efforts and remove themselves from the consumer credit report if they can't validate the debt ; unfortunately, NCC Business Services is not abiding by the FDCPA. At, this time I like for an investigation to be started for the removal of NCC Business Services from my credit report. I am going to provide all my evidence to my case.
Product: Debt collection

I'm not sure who you sold my account to, but they keep calling my mother, knowing it's my mother, and leaving voicemails trying to collect debt. They haven't properly identified themselves and just say they're with barclays and speaking in a foreign accent. Let 's get one thing straight, they are violating the FDCPA by calling my mother and leaving voicemails about debt collection. Because they haven't identified themselves to me, they're operating as you, so I need you to make this stop and forward this complaint to whoever you sold this to. They are NOT to contact ANYONE, including ME now. If they do, they will be in violating of the FDCPA and I will chase them for the fine. Because they're operating as you and not identifying themselves and leaving harassing messages, it reflects poorly on you.
Product: Checking or savings account

On XX/XX/year>, I was involved with an app called XXXX ( Bet on headlines ) ( mobile app ), I first found out about it through an advertisement, I soon tried it out since I had seen it was a legal app authorized by the government officials, well I put in {$220.00} into my account considering you can take it out at any given time, I thought to myself, Well, there is not much of a risk, even if I lose something I will only loose minor fees. As soon as I put my money in, it had soon shot up profiting {$40.00} USD, when I went to go sell it had authorized me but kept having issues, bugging, glitching, freezing, logging me of the app, I know this was not my phone as it was fully charged, I had good connection with the internet but as soon as I went on this app all problems let loose, at XXXX all my money went to $ XXXX XXXX freaked out, I waited until XXXX for my funds to recover I was able to get my funds and submit cashout to my {$220.00} as soon as I did so, the screen froze for over 2 minutes, reloading my screen, of course I freaked out and did my absolute all to get back in it, but as soon as I was back on it all my funds were gone turning into $ XXXX this was truly a scam, I have all proof and provided it to my bank, my bank is so lazy and does not do anything at all to help me they never do even thought I have never charge backed anything, they still give the benefit of doubt to XXXX a scam company I have done my all to contact head support, which saw and read all my evidence, they themselves felt as if it was unfair and admitted to it, they checked all my account details proving that I was telling the truth, XXXX XXXX still ignored me at the end and only said sorry for the situation, he is trying to dodge this with his team as much as possible since they are still such a small team, they don't have a clue about the system of a support team, they only ignore and will come up with an excuse non related to the incident please stay away from XXXX and I had no control over it, and it is Legal!!! I find this unbelievable, and I just need help getting awareness ; this has been a nightmare mentally.
Product: Credit reporting or other personal consumer reports

I was advised by a TransUnion rep to fill out this report because of unauthorized inquires in my report, please remove all these Unauthorized inquiries on my report. 

Bank Name : 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 reporting

I have XXXX complaints. XXXX lowered my credit limit on both accounts from {$5700.00} and {$4500.00} to {$2300.00} and {$1900.00} based upon incorrect credit usage from XXXX. This caused affected my Fico score. It appeared has my credit usage was higher based on XXXX lowering my credit limit. XXXX XXXX XXXX and XXXX is showing higher credit usage by XXXX each. I have disputed with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not agree with the company furnishing negative information to XXXX. This company is not following federal guidelines. In attempts to injury and coerce payment of the alleged debt they have furnished many negative marks on my consumer report which are affecting my ability to obtain credit. XXXX nor any other consumer reporting agency has my written permission to furnish any information without my written permission.