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

I AM LIVID WITH THE COMPANIES! I NEVER DID BUSINESS WITH THESE COMPANIES AND I AM A VICTIM OF IDENTITY FRAUD. YOU ALL ARE VERY DISAPPOINTING AS A COMPANY AND YOU ALL ARE NOT DOING YOUR JOB FORREAL. 

RE : You Violated The United States Federal Code Law 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 under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account below. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 

Account Name XXXX XXXX XXXX As a consumer by law this inquiry must be deleted immediately. 

2.Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
Account Name : XXXX XXXX XXXX XXXX As a consumer by law this inquiry must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
Account Name : XXXX XXXX XXXX  ( THIS WAS ALREADY REMOVED BY THE 2 OTHER CREDIT BUREAUS YOUR LACK OF INVESTIGATION PROPERLY I THE REASON WHY THIS IS STILL SHOWING ON XXXX! YOU ALL ARE NOT INVESTIGATING RIGHT AND YOU ALL ARE BREAKING THE LAW! ) XXXX 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. 
ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law this inquiry must be deleted immediately. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a banking error. Please remove your 120 days delinquent report on me at the credit agencies for XX/XX/XXXX and XXXX of XXXX. Truist granted us a forbearance for XX/XX/XXXX though XXXX of XXXX in two separate agreements ( see attached ). The amounts due to Truist was {$0.00} for each month from XX/XX/XXXX through XX/XX/XXXX and that is what we paid. Then Truist made an agreement with us that the first payment would be XX/XX/XXXX of XXXX for ~ {$3500.00}. However, we decided to pay the loan in full XX/XX/XXXX of XXXX ( see attached third document-Home sold ) - and electronic transfer reached Truist and paid the loan in full ( all principle and all interest ) on XX/XX/XXXX. How can we be delinquent for 120 days when we paid as agreed? This is a banking error. 

I did file a dispute with Truist but Truist would not change their report to the credit bureaus.
Product: Credit card

I paid for a car rental for {$200.00} on XX/XX/2023 using my Capital One credit card. And I also purchased insurance through a third party. When I arrived at the company in XXXX Texas. I was met with a virtual customer service agent she denied me the car because I would not pay for their additional insurance when I already paid for insurance. The agent canceled my reservation and did not provide me with a cancellation email. I filed a dispute through my bank and the merchant responded saying that I did not have provide them with a valid credit card stated in their so called policy, but this is FALSE because I did present a valid credit card in my name. Capital one decided to reverse the refund and then I opened the claim back up and showed them documentation of the merchants policy and my statements from that month showing that I did have my credit card while I was in XXXX, Texas ( so the valid credit card was not the problem ) and I also showed them that I purchased another rental car with another credit card in my name while I was there. I keep getting the run around from Capital ones employees they are basically treating me as if I am lying and their whole basis as of why I am not receiving a refund is them siding with the merchant saying I did not have a valid card and I keep explaining to capital one that I did in fact provide one. I also talked to at least 5 different people and everyone there keeps telling me different things and I am frustrated and had enough. The bottom line is I paid for something that I did not receive and I still am being charged unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FOR 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 XXXXXX/XX/XXXX FOR TRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This Account XXXX on my credit report was filed into Bankruptcy XXXX XXXX plan and had not been removed off my credit report and this account is totally closed
Product: Credit reporting

I applied for auto financing with XXXX different entities in XXXX 2016. TransUnion is counting all of them as a hard inquiry instead of counting them as XXXX as required by the CFPB. This is showing a XXXX point drop in my credit score.
Product: Debt collection

On XX/XX/XXXX I opened my XXXX XXXX account to see a closed collections account. The company, " CREDIT MANAGEMENT LP '' was reporting that I had an account with them related to XXXX beginning on XX/XX/XXXX. I never received any notice of this debt. I never paid this debt. This debt was never verified. I also had changed addresses during this time period, and kept an open account with XXXX the entire time. I have tried to dispute this account via other means without success.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXXXXXX Account Number XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : Account Name : XXXX Account number : XXXX Account Number : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX XXXX Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : Inquiry Date. XXXX Account Name : XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ). States : no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Back in 2016 Wells Fargo tried to foreclose on our home even though we repeatedly tried to make the payment. They actually even returned one of our payments too. They then tried to foreclose on our home. This caused us to have file a XXXX  XXXX Bankruptcy, so we wouldnt lose our home.
Product: Credit card

Chase credit cards allows an application but upon denial of the credit card application that a persons credit card score can be dropped if the reasoning is due to a flag that tries to blame the credit card applicant. 

I received the denials and this is not due to my fault but only due to Chase failing to recognize why the credit card is being denied is not the fault of my credit but the fault that they could not recognize I already have open accounts with Chase and can not open a new account until a certain period of time. I believe Chase wrongfully denied my credit card application as a hard crash to my credit score and I believe any denial of credit is only due to something unrelated to my credit score as to have already been a customer. I do not mind if the credit card is not allowed but this should not be influencing my credit card score as if I did something wrong for being a chase customer for which I closed my previous credit cards to open new credit cards where the promotional credit card is only allowed to new customers more so but should not be denying myself as to influence my credit score as if I have bad credit. This is a mistake of chase and I would like Chase to admit that the credit card application wrongfully submitted a hard denial rather than a soft denial and should let XXXX know that the credit score should not be harmed and that the denial is only due to the promotional accounts for new customers for which I am not a new customer and have good credit. The denial of the credit card is not a fault of the applicant thus Chase should acknowledge this and let XXXX know that there is a systematic fault triggered on older customers as to only allow new customers new credit cards where the older customer is denied credit only because one already has a Chase Credit Card. 

Please allow Chase and XXXX to fix my credit Score due to Chase is incorrectly passing information with XXXX as if promotional credit card denials is the fault of the Applicant as to showcase a drop in credit score after applying when this should only happen if I have bad credit but not because of promotional dealings where I can reapply later on after the promotional period allows the older customer into the new deal of promotions.
Product: Debt collection

XXXX XXXX for the amount of {$340.00}. I have sent XXXX XXXX a debt validation several times with no response. This item does not belong to me.
Product: Checking or savings account

I signed up with RelayXXXX bank because it was a free business bank account that was referred by XXXX XXXX XXXX [ company that creates LLCs in Wyoming ] . 
I also signed up because I wanted to use a business bank account instead of XXXX because they don't offer business bank accounts and I needed it for tax purposes for all my business transactions especially deposits. 

On XX/XX/XXXX XXXX XXXX I deposited a check into the bank account on which was given to me from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  The check was for {$2900.00}. The bank held it for 7 days. By the XXXX day they asked me for proof/documentation that everything was legit as far as the check. I sent them a lease for the tenant including the amount on it. I received an email stating that everything was approved. Then I get an email from a different rep stating that it was not enough information, they were closing the account, and they would launch an investigation for 60 days!. I could not understand a bank launching an investigation for a closed account. I could not understand being a XXXX and having a legit business that created an LLC ; that was referred to by the same partner company, to be treating it's customers this way. 

Instead of Relay bank simply calling XXXX XXXX to verify the check was legit within those 7 days of holding, they proceeded in an unfair/business practice. I've called the bank multiple times to speak to supervisor. The phone calls usually drops. Sometimes I have to wait over an hour to speak to someone. Sometimes no one picks up during business hours and I am told by an answering machine to call back. 

I tried depositing same check into my XXXX account and the check bounced. When I emailed Relay bank, they the same rep sends me an email stating for me to ask whoever gave me the check to ask them to put a stop payment on it. I called the company tenants ; who gave it to me and they said XXXX XXXX couldn't do it because Relay already cashed the check. In addition company has XXXX XXXX fax me a verification letter from their bank showing that they are legit. The rep from Relay bank states that they will continue their investigation. So I have to wait 60 days for a bank that already accepted a check, but could never called XXXX XXXX to verify a check was real, and at the same time didn't hesitate to close my account.
Product: Money transfer, virtual currency, or money service

I always make transfers thru Money Gram to the bank account of my son - XXXX XXXX XXXX University. 
Last 3 transfers : XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$600.00} never make to his bank account.This was his housing and school expenses. 
After calling thXXXX XXXX XXXX who never received the money I contact already 2 times Money Gram and still not have answer where is my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I received a notification that a hard inquiry was done without my authorization. The company was XXXX XXXX XXXX XXXX
Product: Credit reporting

Worked with attorney and debt collector to resolve an erroneous debt collection action resulting from cancellation of a cell phone contract in XXXX pursuant to the Servicemember 's Civil Relief Act/the terms of the contract. The debt collector verified that the debt was erroneous and notified my attorney of the same. The debt disappeared from all three of my credit card reports but has since reappeared. The process of disputing the erroneous information on each individual credit report ( Experian, XXXX ) is unduly onerous and time consuming. I would like the CFPB 's help with cleaning up my credit report permanently. Further, I believe other XXXX may be similarly situated and the CFPB should track this company for other complaints.
Product: Checking or savings account

On XX/XX/XXXX my paycheck was supposed to be deposited to my checking acccount by my employer but it was not due to an error on their part. I discovered my account was overdrawn on XX/XX/XXXX. I called my employer and they admitted to their error and promised to deposit the check to my savings acct on XX/XX/XXXX.My employer will not work with me concerning the overdraft fees. I called my local TD bank and told them my employer caused the overdraft of {$420.00}. The TD bank rep said it was my fault and would not work with me in reducing these fees. I am a single mom working for a temporary agency after losing my job in XX/XX/XXXX. Recently, I was out of work for over a month recovering from a XXXX XXXX and XXXX XXXX. I did not get paid for this time off. I am back to work now and struggling to catch up. This error caused me a very big setback and will not be able to pay back this {$420.00} in a short time. I would like to have the fees waived or reduced to half amount. Thank you.
Product: Debt collection

Debt recovery solutions XXXX / XXXX XXXX  XXXX XXXX NY XXXX sent me a bill saying I owe a hospital bill XXXX. I told them many times to send me proof I owe this debt. I wrote them a letter XXXX XXXX telling them I don't owe this debt. They keep sending me the same letter stating I need to write them to dispute and pay my debt. The recent letter i got was XX/XX/2023. That says I need to sent another letter to dispute. I don't owe any hospital XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX P : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Affected by declared disaster hurricane Milton XXXX in XXXX XXXX, Florida USA. I am unable to make timely payments due to the impact on my job/wages as a result of a Public Health Emergency . Late payments were due to loss of job or other causes beyond my control. Not compensation received. Would like to request 6 months moratorium on payments and lower payments and non adverse reports and/or apply to behind payments to credit reports agencies to CB INDIGO XXXX credit card po box XXXX XXXX, XXXX XXXX on my account ending in XXXX. It would help me during hardship situation to recovering. Also known as CB Indigo XXXX, Concora Credit Inc.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account and my personal information vulnerable and unprotected. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations from this company.
Product: Student loan

I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2008, I am requesting this be removed from my credit report.
Product: Credit card or prepaid card

I received a letter from Cominety Bank about my Meijer Credit card dating XX/XX/2020 I sent the information to them, I received a 2nd notice on XX/XX/2020 saying my account was closed, This card has no expiration Date or a 3 digit code on the back. I was asked to send my private information to the company? My ID/Drivers license front & back ; Social Security Card front & back ; My Bank Account Front, I did not include the back of my Social Security Card because I thought it was not needed for this. I  became upset my Wife in Michgan had Permission to use the card. They Flagged her card for Fruad. She has been treated unfair in this matter when she was using her card at a Meijer store she was asked for a expiration date I can get a copy of this card for you to look at. i have never been late or never missed a payment. Never the less MY Private Information is now in their Position I do Not see Why They would want the back of the card seeing it has no information on it. Their policy says the will and would never ask for this kind of information to me it is a scam. They now have my private information in that companies Fruad Department! I do Not Want An APOLOGY OR EVEN A CONTACT LETTER OF ANT KIND I WILL CONSIDER THAT HARASSMENT. they never gave me time to send the rest of the information to them and i called them many times over this issue not one time did they ask for this information until 2 weeks ago.