23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX I took two negotiable instruments to Truist Bank to be processed and credited to our business account. They reviewed my documents beforehand and told me how the documents were to be handled through their domestic collections department then provided a receipt stating that the credits would be applied to our account in two weeks. The instruments are payments for invoices for services we have provided for a client that is a Trust. The negotiable instruments are to be treated as a money order and should have cleared as certified funds. It has been several weeks, and the credits have not been applied to our account, furthermore the legal team or any management has not communicated to me the status of the instruments and has not answered my questions about the location of my documents which is valid legal paper. Truist is in non-compliance as they have mishandled my documents and have not successfully fulfilled their duties as a transfer agent, Truist has fiduciary duty to process any instruments they accept in a timely manner. My instruments are legal paper that were to be paid at sight. I have contacted the issuer as well as the treasury who have stated that Truist has not attempted to process and collect the funds. It is completely unacceptable and unprofessional for them to simply ignore all communication from me. Truist is in violation of the XXXX XXXX  on XXXX XXXX XXXX XXXX and International Promissory Notes of XXXX, in particular Articles XXXX, XXXX, XXXX, XXXX and XXXX. Truist is also in violation of The Bill of Exchange Act of XXXX which stipulates how Bills of Exchanges and Negotiable instruments are to be treated. The branch managers nor Assistant Attorney of Truist has responded to my voice messages or emails.
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 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. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. XXXX XXXX XXXX have indeed violated my rights with harassing phone calls. This is the same company who was found guilty for illegal debt collection practices and consumer reporting violations in XX/XX/2023.
Product: Debt collection

I recently filed a 3 dispute with XXXX XXXX XXXX over false claims that did not belong to me on XX/XX/XXXX. The same false claims are showing up 5 days later on my report once again under a new collection agency known as Capio Partners, the old claims are broken down into 4 different claims now starting from {$100.00}, {$100.00}, {$650.00} and {$180.00}. Capio is attempting to collect fraudulent collection from XXXX as an new collection.False/Negative claims appeared on my credit report between XX/XX/XXXX. Regarding a hospital visit from XXXX that I have never been to. I had no information about the collection agency prior to just appearing on my report. I contacted Capio Partners on XX/XX/XXXX. Reaching REP XXXX who was very unprofessional during the call all because I told XXXX the claims weren't mine he began to interrogate be putting words in my mouth I didn't say as if he was belittling me for trying to straighten false report. I never felt so uncomfortable while speaking with a REP until today. I asked to speak with a supervisor ( XXXX ) located in TX who muted the phone and also insulted me as if I couldn't spell a simple word. Everyone I spoke to was no help which is a headache and so draining when I didn't make the claims and this is the company I have to speak to regarding my negative claims on my report. I shouldn't feel like I'm in an interrogation when speaking with collections agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX DID A POOR INVESTIGATION. I GAVE LAWS STATING WHAT THEY BROKE THERE STILL WAS MANUAL INVESTIGATION DONE. THEY CONTACTED ME THRU MAIL. THE INVESTIGATION ONLY VERIFIED MY ADDRESS AND NAME. MY PERSONAL INFO WAS ADDED TO MAKE IT SEEM LEGITIMATE. THE ADDRESS BEGINNING WITH XXXX IS NOT MINE AND PHONE NUMBER XXXX I DONT KNOW OF. 15 U.S. Code 1692c. THEY CONTACTING ME FOR A HIPAA VIOLATION AND EQUIFAX IS HELPING THEM BREAK THE LAW. THIS ACCOUNT HAS CHANGED MANY TIMES OVER THE YEAR. 17 DAY EQUIFAX CANE UP WITH NOTHING. NO SUPPORTING DOCUMENTS WERE GIVEN. I WOULD LIKE THE CONTRACT AAND MY SIGNATURE AS PROOF AND WHAT THE DEBT WAS FOR IF ANY OFF THAT INFO THAT IS SOMEONE ELSES REGARDLESS IS A HIPAA VIOLATION. I WISH FOR THIS TO BE REMOVE AS SoON AS POSSIBLE. This XXXX XXXX is using collected info from it's institution and this bureau to stay attached to my credit. I still do not know what the debt is OR PROOF ITS mine only that it has my personal info which IS not safe if a hospital GIVES XXXX XXXX ANY INFO CONTAINING TO ME IS A HIPAA VIOLATION USING STOLEN INFO I DID NOT GIVE PERMISSION TO BE RELEASED AND CONNECT MY NAME TO A ACCOUNT THATS NOT MINE. 
THERE HAS NOT BEEN ONE PIECE OF PROOF. CfPb I have contacted you too about this they came back to Equifax. 
Equifax do real investigation and see that they breaking LAWs they use to call me when I disputed the mail they sent me that should been it. Wheres the justice. This is not my debt and don't recognize it be. I wish for Equifax to do there job and protect the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just of couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$55.00} XXXX  XXXX {$1900.00} XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$88.00} XXXX XXXX XXXX {$650.00} XXXX  XXXX XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX XXXXXXXX   XXXX {$1000.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$820.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account and don't agree with TransUnion claim that it's frivolous. I personally created complaint with CFBP and provided the reason for my dispute in simple language. TranUnion had 30 days to investigate my dispute and it wasn't done. They responed via digital letter via email on XX/XX/XXXX confirming the " NVESTIGATION RESULTS- VERIFIED AND UPDATED : The disputed item ( s ) was verified as belonging to you and information has changed or been updated to reflect recent activity. '' I originally requested that the credit report be updated to reflect the account being deleted from my credit report as XXXX and XXXX have deleted the negative late payments from their reports and asked TransUnion to do so to keep my reports accurate, per 15 U.S. Code 1681i is a section of the Fair Credit Reporting Act ( FCRA ) that governs how consumer reporting agencies handle disputed information they have 5 business days and they responded outside the timeline not by mail. 
Please delete any negative information in this account immediately. 

Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigated these matters and delete or correct the disputed information as soon as possible. 
Thank you for your assistance. In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. 
Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.
Product: Credit card

I am a Citi Double Cash cardholder and am completely frustrated with Citi, as they have begun holding my payments for up to 10 days for verification before they reinstate my credit availability on the card. We obtained the card last fall and have always paid the card balance in full every month ( sometimes multiple payments per month to keep the balance from growing ). We make our payments electronically, via the Citi website, debiting our checking account at XXXX. The first several months we had the card, Citi would reinstate our credit availability on the card immediately following the initiation of the payment. Due to the velocity of our recent payments, Citi has begun to implement the " hold for verification '' on our payments, not reinstating our credit limit, even after the payment has cleared my XXXX account. I could understand a 24 hour, even maybe a 48 hour hold to be sure the ACH debit has cleared and funds are received, but knowing the funds have been transferred to Citi and having them hold them for " verification '' is completely dishonest and misleading. In speaking with a Citi customer service supervisor today, she alluded to the fact that when customers increase the velocity of their payments, thus obtaining the 1 % cash back reward quicker, Citi decides to exercise this practice of holding the payments. There is nothing in the Cardmember Agreement about making too many payments or the ability of Citi to hold payments for verification. Citi is being deceptive in its marketing of the Cash Back Card and its benefits and the " hold for verification '' practice is unethical and wrong. 
Any assistance you can provide in helping me cause Citi to end its deceptive practices would be greatly appreciated.
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. 

has violated my rights. Or 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 XXXX 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 or other personal consumer reports

The following unauthorized inquiries are on my credit reports for all three major credit reporting bureaus. 

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 XXXXC - XX/XX/year> XXXX
Product: Debt collection

I just recently had a debt of {$400.00} pleased from XXXX  XXXX I do not owe them any money in this account was obviously open fraudulently. Furthermore I am part of the Equifax breech and it is becoming increasingly obvious that my information is being used by someone else. I am a recipient of XXXX and I have been waiting for my credit score to read 640 so there is no possible way that I would do this to myself I am taking legal action.
Product: Debt collection

called my parents house and my cell phone saying that there is a claim in there office and i am going to jail if i dont make a payment- they tried to get a payment from my father also he is a senior citizen ... ... scared him
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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

I have filed a dispute regarding incorrect information on my credit report. It has been well over 30 day and I have not received any investigation results.
Product: Credit card

XX/XX/XXXX I inquired about changing my payment date due to it conflicting with my rent. 
I was told this is not possible so I incurred a {$40.00} dollar late fee. I paid what extra I could in XX/XX/XXXX I paid an extra {$10.00} which is what I could afford then in XXXX I paid an additional {$34.00} but each month they added another late fee to the late fee and this has continued since. My minimum payment has gone from {$66.00} to {$280.00}. I don't mind paying interest on a late fee but I feel it's a bit much adding a late fee to a late fee. I will never be able to catch up on my payments if this continues. I originally complained to the XXXX because I had tried and was unable to get a copy of my loan agreement since I made the purchase at XXXX XXXX and they turned it over to TD Retail and neither could produce the paperwork until I made the complaint. I did receive my paperwork but in retaliation they are now hitting my credit report which had not been happening since the loan began in XX/XX/XXXX. I just want to be able to pay my debt and any interest on the late fee but I feel their business practices are unethical, heartless with no concern for the hardships we are all feeling now. Just for the record TD Retail is a collection agency not a finance company and XXXX should let the buyer know when they finance with TD they are in essence going directly to collections. Thanks
Product: Checking or savings account

I was job hunting and I came across XXXX Before then I had no idea the site had job openings but since I was a bit desperate I decided to see what they had to offer. I found this once active posting in XXXX as a " payroll specialist '' for XXXX, one of the rental car companies. As you can see it's not visible anymore. So I read it, sent an email to the one on file, attached my resume and waited if I would get a response. I didn't know it was the job was from XXXX at first until they answered back. Not even 3 days later and they replied back. There was no interview, no nothing. I pretty much got the job off my resume - strike one. The name of manager/supervisor or whatever the heck she was supposed to be was XXXX and XXXX, this woman lacked privacy in all sense of the word. She would call and/or text me throughout all parts of the day, almost 7 days a week, telling me I should do this or that. Even after I told her numerous that I was busy or couldn't answer the phone she would either call again or rush me through text if I didn't respond quick enough, pretty much harassing me. That should have been strike two. Over time they asked for my ( former ) bank information and said they would send me paperwork through the mail but I never received it. Keep in my I said former but I will get to that later. In early XXXX, my grandfather passed away unexpectedly and that devastated my whole family. I should stepped back from the so-called " job '' and focused more on my actions my family needed to take going forward. Instead they insisted that I download numerous apps such as XXXX, XXXX and create accounts to prepare me for sending funds to staff - or so I thought. 

I know this was a huge red flag when they told me to send {$11000.00} via wire transfer to a fellow employee. It was {$5000.00} at first then an additional {$6000.00} days after which was pretty much what I had from my savings account.Then they also took over {$900.00} to put into XXXX without my consent. They claimed it was a payment to the staff, I uploaded the email below. Something in my head told me this didn't feel right and I should have listened to my instincts but I didn't, so I sent the money, regretting it instantly. Strike three. They promised they would give me my money back but long story short, I was foolish to deposit a fraudulent check into my bank to dispense among staff, resulting in my account to be shut down due to suspicious behavior. They also caused a restriction on my credit card buy using my login info for buying several gift cards and other products without my consent or knowledge and trying to pay off my balance from a bank that is most likely fraudulent as well, giving off red flags once again.
Product: Money transfer, virtual currency, or money service

I had money transferred to my Paypal account, after which they locked/limited me and asked me to prove my identity and address. I uploaded those files on the link that I got, after which I got an email saying my proof of ID had to be reuploaded. Went back to the link and there was no option to reupload it. I emailed them every single day since, but only got an automated message back. I called them but gave up after waiting for an hour, tweeted them and got no reply there either. They are basically holding my money XXXX and I need it to pay my bills.
Product: Credit card or prepaid card

I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER BANK with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a federally protected consumer who has a right to privacy. I have never given Equifax or any other consumer reporting agency consent to furnish information and or accounts to my consumer report. 15 USC 1681 ( 4 ) states that there is a need to insure that consumer reporting agencies ( XXXX, Equifax, XXXX XXXX ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies have a legal duty/responsibility to protect and preserve my information and right to privacy. Using, obtaining or sharing my information or furnishing information or accounts to my consumer report without my consent is identity theft and is a direct violation of the law. 

Congress defines Consumer Report as any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for Congress also states what consumer reports should Exclude : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Mortgage

I initiated an inquiry regarding a refinance with a local broker. We were in the early stages of the process and apparently he forwarded my application to Quicken Loans. I subsequently cancelled the transaction without ever moving forward however Quicken Loans continued to order payoff statements from my mortgage company after the transaction was cancelled. I never worked with XXXX nor did I authorize them to request these payoff statements. This caused me to incur 4 charges of {$30.00} each for a total of {$120.00}. I have reached out to XXXX on multiple occasions and they refused to investigate. They also refused to provide copies of the authorization they claim to have.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries to be pulled from my credit report please remove XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> on my credit three times same date XXXX XXXX  XXXX  XX/XX/year> 2023