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

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

DEPTEDXXXX XXXX - {$0.00} - PLEASE DELETE! 
DEPTEDXXXX XXXXXXXX - {$0.00} - PLEASE DELETE! 
DEPTEDXXXX XXXXXXXX - {$0.00} - PLEASE DELETE! 
DEPTEDXXXXXXXX XXXXXXXX - {$0.00} - PLEASE DELETE! 
XXXX XXXX - {$4600.00} - PLEASE DELETE! 
XXXX XXXX XXXXXXXX XXXXXXXX - {$500.00} - PLEASE DELETE! 


UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Inaccurate payment information on several revolving accounts. TransUnion, XXXX, & XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I noticed that I have 2 collection accounts on XXXX and XXXX for alleged hospital bills for {$690.00} and {$200.00} but I was incarcerated at this time so these are not mine.
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

calling day after day even though I have tried to work with them to settle the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/2021 I sent inaccuracies on my credit report to the credit bureaus and I still have not received word of results from a single investigation! I truly believe they are ignoring my requests and this is hurting me terribly. Section XXXX ( a ) states failure to investigate items in XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX days and I no longer no what to do! These items must be removed immediately or I will file litigation because they are not doing their jobs and operating in a proper organizational manner! I'm at a loss and tried to wait and see if they would get back to me but I can not wait any longer. The bureaus are unwilling to work with me and now I do not believe they have even started an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX CARD ) Account # XXXX, has violated my rights. 

Balance {$2000.00} Date opened XX/XX/2019 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 an account without my written instructions
Product: Credit card

I filed a complaint with Sears shop your way credit card to remove the payment that should never have been charged because my car became inoperable in mid to late XXXX. I sent XXXX an email not to bill me. When I calXXXX XXXX XXXX XXXX they can't find my information, don't know if its under the previous car owner because they ask for my XXXX XXXX for billing my credit card. I sent an email cancelation to XXXX XXXX on XX/XX/year>. I got the email where I ask them not to bill my Sears Credit card on XX/XX/year>. Yet they billed my card XX/XX/year>. Now I'm confused because of the back and forth, Sears credit recharge it back to my account saying I owe XXXX XXXX based off the got my credit card informationwhich they ask for to do a 90 day free trial. A service I can't use due to car being inoperable/ at which the 90 days were close to endinging soon and still not repaired. I just want all fees associated with my account to be removed, any late fee over the limit fees, aggravated stress of being on the phone for 3 hours with XXXX and hours of Sears.
Product: Checking or savings account

I received an email From : Marcus by Goldman Sachs XXXX XXXX Same day transfers are now possible Customer since : XX/XX/XXXX Hi XXXX, Weve made an improvement at Marcus that could make moving your money easier : When you schedule a transfer of {$100000.00} or less by XXXX XXXX ET on a business day, Marcus will complete the transfer by XXXX XXXX ET that day. 
Theres no extra step, no extra box to check. You schedule the transfer at marcus.com or on the Marcus app, and we do the rest. 

This is also at XXXX XXXX XXXX Transfer funds between your Marcus savings accounts and a linked external bank account. Marcus will complete transfers of {$100000.00} or less made through Marcus by XXXX XXXX ET on a business day, by XXXX XXXX  ET that day. 

I confirmed in XX/XX/XXXX thru phone call with a Marcus rep that the {$100000.00} limit was per transfer, not per day. 
On XXXX, before XXXX EST ( 2hours before the cutoff time ), I authorized at marcus.com 3 ACH transfers of less than {$50000.00} each out of my marcus savings. 
My external bank XXXX ( apy 4.00 % ) did NOT receive the funds until Friday XXXX. I had called and alerted XXXX  to watch for these funds, but they DID NOT ARRIVE UNTIL Friday XXXX, 2days later. 
I earned 0 % interest for those days. I believe an issue was the delay caused by a call I received from a Marcus rep at ~ XXXX XXXX est wed XXXX, to discuss if I really wanted to move my funds out of Marcus and why I was doing this. I explained to the rep to please get these transfers submitted ASAP as it was then minutes until the cutoff time. He insisted on continuing the conversation. 

I called Marcus.com several times on XXXX and in the following week, waited thru very long hold times, and explained the situation in every call and with every rep and manager/supervisor. I requested a credit into My Marcus savings ending in XXXX of the 4 % interest on the total amount transferred for {$34.00} Marcus supervisor XXXX at XXXX XXXX stated a customer sevice credit could be given and gave case # XXXX. This request has since been denied. 
One Marcus rep said they did not need to honor the email nor the faqs. I am requesting the {$34.00} credit here.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Equifax is playing games as Ive already included these documents in my first complaint. This is a total joke. They need to be held accountable for noncompliance. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about financial situations that occurred in XX/XX/XXXX and XX/XX/XXXX. In addition, I was asked for the last XXXX numbers of my primary checking account. I have NOT written a check in decades. I do not have any checks, and that information is blocked on my online account. I was also asked about a bank card. What is a bank card? I have XXXX credit card, XXXX XXXX, XXXX Mortgage, XXXX, and a debit card.. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Experian needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, XXXX really jumped out at me. Thou must have more than XXXX type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card, a mortgage and a debit card. The mortgage will be done soon. So I will only have a credit card and a debit card. This is crazy, NO debt is the goal.
Product: Debt collection

Im writing this letter to delete the following information on my file. The items that I will need deleted are listed in the report. I am a victim of identity theft and therefore I did not make the charge. I ask for these items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the following items as soon as possible.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I sent letters to Convergent Outsourcing asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. Once they did not respond at all. The seccond time, they provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking be deleted.
Product: Payday loan, title loan, personal loan, or advance loan

For a while now, I have been getting emails from XXXX XXXX XXXX claiming I owe them for some outstanding debt. I have never done business with them and I don't know what loan debt they are talking about. Today, XX/XX/XXXX, I received a phone call at XXXX XXXX. from GP Services ( Global Processing Services , LLC ). The woman on the line sounded XXXX, she said her name was XXXX. I am pretty sure it was some overseas telemarketer. She introduced herself, said the call was being recorded, so on and so forth. When she got to the part about calling on behalf of XXXX XXXX XXXX, I knew what was going on. I did not listen to anything else and hung up. I am tired of being hounded over debt I do not owe. I have tried emailing XXXX XXXX XXXX in the past about these bogus emails and they say it is likely a scammer trying to collect from me, but they don't do much to put a stop to this unending aggravation. I do not owe them for any payday loan and they know it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft my personal information has been in data breeches and my wallet was stolen spring of XXXX. I have reached out to XXXX XXXX, Transunion llc, and XXXX. none of which can seem to do the right thing and removing accounts, inquires, addresses and names that are FRAUD ON MY REPORT. I AM SUBMITTING ALL SUPPORTING DOCUMENT HERE AS AN ATTACHMENT. THESE AGENCIES LOVE TO SAY THEY CANT IDENTIFY ME OR THERES AN ERROR PLEASE NOTE I HAVE TRACKING NUMBERS FOR THE DOCUMENTS BEING SENT TO THE AGENCIES THAT TOO WILL BE ATTACHED ; 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, not later than ( ( 4 ) ) ) business days after the date I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) I HAVE MANY NAMES, INQUIRES AND XXXX ACCOUNTS THAT DO NOT BELONG TO ME. NAMES ARE : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ADDRESSES ARE : XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX NY, INQUIRES ARE : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX FRAUDUANT ACCOUNTS ARE XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year> and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, XXXX. ) XXXX XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) XXXX. ) XXXX XXXX XXXX XXXXXXXX ( XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) XXXX. ) XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) I sent a letter on XX/XX/year> asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem
Product: Mortgage

I had a MORTGAGE with SHELLPOINT MORTGAGE SERVICING of a VACATION HOME in XXXX XXXX XXXX XXXX, XXXX - FL XXXX. Loan ID : XXXX. 

Vacaytion Homes in Florida was really impacted by the shutdown and covid situation. XXXXXXXX XXXX and airport were closed. All the houses was closed by the FL State. 

I called a lot of times to SHELLPOINTS asking to a releef because we didn't have guests at the houses. The Mortgage didn't reponse, when reply my request just gve one month of releef. 

I paid a lot of fees because they usually to reply weeks with delay. 

Otherwise, the MORTGAGE company REPORT lates caused by them. They was forcing me to make an additional mortage at the house, even when i asked to pay inn full the amount due. 
I could not wait more and i SOLD the house, because the ammount due was impacting me and the COVID impacted more. They didnt give me releef, even others mortgages were helping the borrows.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with Mariner Finance was fraudulently opened in my name by a former spouse. When it went unpaid, they sued me and received a judgement against me to pay in the amount of {$85.00} per month for the balance of the loan. I have made these payments on time since XX/XX/2020, however they are not applying them to the loan, and continue to report the loan as no payment made to the credit bureaus. When I contacted them, they stated they will continue to mark it as unpaid until the loan is paid in full. The loan will never be paid in full, because they are charging higher monthly interest than the $ XXXX  month payment, and therefore not applying the payments to principal. I spoke with XXXX at the XXXX XXXX who was rude and condescending and told me it was my own fault for not paying my bill, even though they have been made aware this was a fraudulent loan.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error 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.
Product: Credit card

Comenity Bank Charged me a {$30.00} late fee because my tomato payment through my bank did not arrive on the due date. I requested a courtesy reversal. they only credited me {$15.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my complaint with Equifax over 30 times and I have sent in numerous paperwork and so has XXXX XXXX and the other creditors and I ca n't get anything back from Equifax they keep sending me a confirmations numbers but yet it won ; t let me look at them online and I have been on the phone with them numerous times and have waited over 2 hours to fix this and the last two times they said their computers were down. XXXX XXXX and XXXX fixed these problems but I ca n't get Equifax to even respond or answer, this is hurting my credit bad because of all the inquires and wrong information, we had our vehicles broken into and they stole everything so we are under Identity fraud and I ca n't get them to help or even tell me anything.I need any help I can get please. Thank you. 

XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

On XX/XX/year> I initiated a transfer of funds from my XXXX XXXX account to my XXXX account. The amount transfered was {$36000.00} and XXXX attempted to withdraw the funds twice which resulted in the XXXX XXXX account being over drawn. As such XXXX returend one of the transfers for {$36000.00} but the original transfer of {$36000.00} was never returned to my XXXX XXXX account and it never showed up in my XXXX account. XXXX claims that the funds have been returned but XXXX XXXX claims they never recieved the original funds back. I am out {$36000.00} and both banks are telling me to file a claim with the other bank as its not their issue.
Product: Money transfer, virtual currency, or money service

PNC will NOT allow electronic transferring of money. They make it IMPOSSIBLE to remove money from their accounts. They limit the amount to XXXX per day and XXXX per month. They lie saying it is a security risk. It is not. 

I am NOT eligible for grants because PNC will not accept electronic handshakes. See attached image ... this is a grant I qualify for but can not get because of PNC bank 's greed in not allowing online transactions.
Product: Debt collection

MIDland credit management has opened a collection account on me XX/XX/XXXX then when I reported it to the XXXX  that I do not owe this debt and contest the debt since they paid for a debt and aren't showing me how much they paid for the debt and how much is the actual balance I did not authorize this or any collection agency yet they still pester me with calls by XXXX XXXX debt collections threatening me and have engaged in dirty practice such as removing the collection from my XXXX and closing the collection then re-opening it again within 2 days which lowered my credit by XXXX points further lowering my credit by adding more strain to an already strained credit score by their actions and correspondence from the XXXX  they lie and say they replied to my XXXX letters I sent but they didn't because I did not certify them and say they are rightful owner of my debt and basically I owe them and they are within legal bounds to pursue the debt. Since the item was purchased by a third party debt collector the account it must be deleted as the status is not correct or accurate, the amount was paid for less than owed by the third party debt collector as you can see by the attached documents so therefore the information is not correct and not accurate. Therefore it must be deleted immediately also there shady practices as a business lowering a score because of a XXXX  report was really dirty and calling me when im on the government do not call list. How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts this is a clear violation the FRCA as this is not accurate or complete. 

Thanks and have a XXXX  XXXX and happy blessed new year XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX