23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recieved my transunion credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my XXXX credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my XXXX credit report and noticed XXXX unauthorized/fraudulent credit inquiries. The only valid inquiry is from XXXX.
Product: Credit card or prepaid card

Ive filled police report on the fraud that occurred on my card where XX/XX/XXXX $ was withdrawn and XX/XX/XXXX two withdraws of XXXX $ unauthorized and without my knowledge I did everything I was supposed to n compliance with my bank card reported fraud yet they refuse to show me evidence on why they see no error XXXX will not return me my money XXXX $ was stolen out of my account and I requested reopen the investigation and check atm cameras the bank is now unreachable XXXX Ive had no response in over 3 weeks all I want is my money returned to me n the bank n who ever took my money held accountable
Product: Debt collection

In XXXX I lease a truck from XXXX XXXX XXXX  upon return the truck after the leased ended they charge {$4500.00} for damages which I forwarded the claim to my insurance and they settle with XXXX credit. I started a new job after XXXX years. This fraudulent law firm Shermeta law group started garnishment of my wages total to {$8000.00} as of date. I contacted XXXX credit they said the load or charges have been written or charged off XXXX years ago. This group of thugs and criminal entreprise need to be stopped. They claimed to be a law firm but a scam entreprise who with the help of the local judges are running a criminal entreprise
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on my any of my accounts with Capital One. I have disputed these late payments several. This reports are hurting my credit score and stopping me from getting approved for a home. One of the credit card accounts are closed but they continue to report it as being negative. They reported that I have been late on both accounts XX/XX/2015 through XX/XX/2015.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle have failed to investigate my claims adequately.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and someone fraudulently opened a credit card account with XXXX XXXX in my name. Account ending in # XXXX opened in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit report, 15 usc 1681, removed all accounts without authorization and want all account back reading paid as agreed never late. A so called creditors on the accounts are really debt collectors under 15 usc 1692a6, and the consumers extend credit via their social security number that has an open ended credit plan under 15 usc 1637. All applications for credit ar consumer credit contracts under 16 CFR 433.2 and are taken or received as payment for services goods or leases. By the credit reporting agency not having a contract with a consumer to unauthorized uses of credit card to debt collectors without consent and providing information that a consumer is a debtor when the banks and companies are liable as trustees to a cestui que vie trust consumer credit transaction after receiving consumer credit contracts and using the credit card social security card without receiving benefit after the use of the card which is a violation of 12 cfr 1002 and the ceo and agents are criminally liable by knowing this t=from lawsuits lost and still have not corrected all consumer credit reports to have the consumer reflected as the original creditors under 15 usc 1692cc2 . this is a bad faith action by the credit reporting agency and i am owed XXXX dollars for every account removed fraudulently without my consent, by the defamation of character by showing paid off accounts and verifications by automated service to computer generate responses without looking into issues of false information under 18 usc 1001.
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ToWhom it may Concern : This is a complaint submitted Under OHIOLAW U.C.C131912 Taking Assignment of Debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, under LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit card or prepaid card

Synchrony Bank is a corporate XXXX! Within a year, they have closed both my XXXX and XXXX credit cards ... .both of which I have faithfully paid!! Ridiculous!! The reasons cited in the latest letter were issues on my credit report that existed BEFORE I was even approved to have them! Seems to me the employees are bored and have nothing better to do than nitpick consumers who have actually been paying their bills! I would NEVER recommend Synchrony!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/ I disputed inaccurate, incorrect and fraudulent information that was placed on my credit report. I contacted the following credit bureaus XXXX, XXXX, AND TRANSUNION, PRESENTLY I HAVE RECEIVED NO ANSWER, this is a big violation, pursuant to the FAIR CREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRACTICES, anytime a consumer files a dispute with the credit bureaus, the credit bureaus have 30 days to respond. As of this date XX/XX/ I have received no respond ......
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. 

XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX ( XXXX ) - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 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 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, credit repair services, or other personal consumer reports

As I stated I have attempted to get in touch with XXXX  a numerous times, and it seems like all of those attempts to even try to open up a case were ignored. They never followed up according to my recent credit report request. There are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. VIOLATIONS OF CREDITORS & THE THREE CREDIT BUREAUS VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have inquiries on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification. The following inquirie are a result of ( IDENTITY THEFT- ). 
This company I assure you did not have my permission or neither have they obtain my signature or valid drivers license to pull my credit. If so I would like for them to produce such documents in reference to this inquire pull on my personal credit. I AM REQUESTING FOR XXXX  TO REMOVE THE INQUIRY IF THEY CAN NOT PRODUCE PROOF TO WARRANT THE INQUIRY ON MY PERSONAL CREDIT FILE.
Product: Credit card

The Company in question is Chase, and I have been a customer of them for over 20 years. After going out on XXXX in XX/XX/XXXX and not being released until XX/XX/XXXX, I made payments to Chase on time and as agreed. However, fast forward to today, XX/XX/XXXX, I have depleted my 401K, IRA, and my savings. Thus, my last payment to Chase was on XX/XX/XXXX as I currently have no income coming in, and I need the little that I have left to cover my doctor visits and medication for health conditions covered under the Americans with Disabilities Act ( ADA ). I called them when I received my XXXX bill, letting them know that I could not afford to make payments for the reasons I mentioned in this complaint. I have attached what they told me, and please keep in mind that they would only give me an option to settle this once I defaulted, which I believe violates the Fair Credit Reporting Act. The reason is that they wanted me to wait ( and I quote ) until I was on default to make payment arrangements ( although I was being proactive and trying to find temporary help to avoid impact to my credit, which has been immaculate ). As a result, my credit report has been negatively impacted and decreased from having an " exceptional '' credit rating to a " fair '' credit rating, as a result of Chase and their inability to work with me before default, which I believe is unfair, violates my rights under FCRA, and gives them a horrible reputation taking into account my current situation both financially and healthwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account on the date ofXX/XX/2021, " XXXX XXXX - XXXX '', has violated my rights by violating my right to privacy, Furnishing said account without my written instructions, and reporting inaccurate reports and details regarding the account. Down below I will cite my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy, Said right was violated by " XXXX XXXX - XXXX '' by reporting and releasing my personal info and details to consumer agencies and the public providing access to information of said account simply by request. 

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, Said right was violated by " XXXX XXXX - XXXX '' furnishing and reporting said account without my given written instruction nor direct detailed agreement. 

15 U.S.C. 1681 Section 602 A ( 1 ). States The banking system is dependent upon Fair and ACCURATE credit reporting, Said right was violated by " XXXX XXXX - XXXX '' not truthfully reporting full and accurate details regarding the account, Payments Made, Payments missed, and the accurate remaining balance on the account.
Product: Mortgage

I apologize, but the options given in the previous pages did not exactly match my situation. 

I have a pre-existing mortgage with this bank. I decided to engage in a partial release of my property from the loan because I am engaging in a boundary line adjustment with my neighbors. I am selling a small portion of my property to my neighbors, so the bank must agree to release it from my loan. 

I submitted every single piece of paperwork the manager of the bank told me I needed to for this transaction on XXXX XXXX, 2024. The manager told me at that time the process would take 6-8 weeks. 

After several weeks of silence, I began calling the bank to speak with the manager for an update. He never returned my calls. I also emailed and received little to no response at all. Frustrated and concerned, I finally went into the bank to speak with the manager. I asked for his supervisor 's contact information and found out from her that 6.5 weeks after initially submitting my paperwork, the manager had not even submitted it to the relevant department. He gave me a bunch of excuses and behaved very unprofessionally before apologizing and promising to do better. 

The manager 's supervisor told him he had to start emailing me daily with an update and keep her copied on all correspondence. I began receiving daily emails from the manager that informed me there was no update and stating that he could not predict when I should expect to receive one. I found this type of communication further frustrating and asked to be put in contact with the department handling my paperwork. I was told that was not possible. I then asked to be put in touch with my bank manger 's supervisor 's supervisor in hopes to escalate the problem to someone who would actually do something. My bank manger 's supervisor responded with a XXXX number to the bank. I informed her that this struck me as a very smug response and said I hope that wasn't her intent. She never responded. The bank manager stopped including her on any correspondence, and I haven't heard a word from her since. 

After several months of waiting, the bank manager finally let me know that I needed to go back to my lawyer to have a minor amendment made to a document he drew up. I did this immediately and resubmitted it to my bank manager. He told me it should all be over soon. Then he got back to me on 3 more occasions saying that the same document needed further adjustments. 

I have been waiting for over 6 months for a service I was told would be complete in 6-8 weeks and there is no end in sight. I have been treated very unprofessionally and feel incredibly disrespected. I have had to beg this bank manager for updates
Product: Credit reporting, credit repair services, or other personal consumer reports

The laws are very clear under 15usc1681B, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. My written consent is needed in order for this company to access file. According to15usc1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
maybe this was an honest mistake but the law is very clear. Please provide the document with my wet signature giving this company my written consent to access my credit file. 
Date of inquiry : XX/XX/2021
Product: Debt collection

I ordered a laptop and shoes from XXXX XXXX they shipped separate. The product was cheap and not up to par. I returned everything and they kept trying to charge me for the shoes I called and told them I have returned everything why am I being charged and could not get a answer instead they closed my account with them and sent it to a debt collector. For XXXX for a 80 pair of Shoes that were returned. I cant seem to get anyone to solve this
Product: Debt collection

I never owed this company nor did I sign anything for them to try to collect this debt. This company XXXX is reporting a debt that another company has reported thus doubling the amount that is being reported on my credit report causing it to drop my score and create financial hardship.
Product: Debt collection

I spoke with the company about paying the debt XX/XX/2018 which only occured bcus i didnt have gap insurance.. ever since i suffered the loss of the vehicle the company has been reporting as if it was a repo of {$10000.00} instead of a loss that was paid by my insurance minus the gap part..i talked to the rep who stated if i didnt accept her pay to delete which was {$800.00} and pursued my complaint back thru the credit bureau she will add additional interest on to the account which she state is {$1500.00} right now..i cant afford to pay for this debt right now i just want the correct amount to be stated on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan originally started with XXXX. They transferred my loan to XXXX I was contacted by XXXX They stated that I was behind on my loan. After having my CPA audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, XXXX my CPA and myself. XXXX forwarded the missing funds to XXXX ( see the attached letter ) dated XX/XX/2019. XXXX has reported to all three Credit bureaus Experian, XXXX  and Experian that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with XXXX  at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with Experian each time XXXX response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.
Product: Debt collection

I get multiple calls a week, and I have requested information on why they keep calling. They have hung up on me and will not stop calling after multiple request to stop.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a text message from Regions about a fraudulent charge. I confirmed I did not recognize the charge and the debit card was canceled. 

On XX/XX/XXXX I was available To follow up on the issue and try to get a new card renewed. Due to my job I was out of the counrty. XXXX XXXX services were recommended to get a temporary emergency card issued to me. 

I submitted a request with XXXX and was later informed via email that the request was denied by Regions Bank and that I should follow up with them as to why. 

Every time I called the Regions they would refuse to follow up, or elaborate as to why. They would not discuss the request even after my identity was confirmed. Multiple times they would transfer me to XXXX, who at this stage can not help me. Going as so far to lie about putting me on hold to get a supervisor to transfer me to XXXX again. The only advice they would give me is to have someone else pick up my new card out of my mailbox and ship it with their own money. 

On the third follow-up call trying to resolve this issue the customer rep pretended not to hear me and transfer me to a dead-end phone number that automatically hangs up on me. 

Their refusal to do their jobs and constant deflection has left me stranded out of the country without access to funds
Product: Payday loan, title loan, or personal loan

I have a checking and personal line of credit Citibank offers for bounced checks. In XX/XX/2021 I overdrafted ( which I have not done very often maybe 3 times in more than 25 years. 

I have an auto pay set up with Citibank, and when my personal overdraft account was emptied, even though I had money to pay my auto-pay bills in my checking account, they quit paying my credit cards which were set to auto pay on XX/XX/2021. 

Because of this, I not only got a hit from Citibank due to my negligence, Citibank because they failed to pay my auto-pay bills for two months, I am now deliquent for six accounts that were on Auto pay. They basically just shut down my auto pay even though there was money in my account. 

They did not notify me of this practice. I only found out when my cards started getting rejected at the register
Product: Debt collection

I had a debt with a credit card company. I received a letter from them greater than 5 years ago stating that they could not do any legal action against me due to the age of the debt. Recently they have been calling 3-4 times a week though I have requested them not to call.
Product: Credit card

we sent correspondence to Discover Bank and they have not responded with pertinent information requested. including certified mail item number # XXXX and item number # XXXX asking for validation. the company did not respond with that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are 8 inquires from XXXX XXXX that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XX/XX/XXXX these need to be removed from my XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless