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

I am submitting this CFPB Complaint to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part. I am reffering to the following accounts that have been reporting erroneoud information on my Credit File : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have perfect credit but a collection has showed up. I contacted the company and I didnt get much but it being a medical bill. It very much doesnt sound like me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comerica Bank on  XXXX   XXXX  in  XXXX  Texas took my Identification and disposed of it without contacting me and when I called to fix problem, they sent me on a wild goose chase for a week. They would not accept my check for deposit after they disposed of identification and would never call me back to take care of issue. This is a very serious matter in which I want resolved. This is the worst experience ever with a financial institution I have ever had. I can not open another account without the identification. I 'm in limbo until then. I 'm beyond upset and feel they should be liable for all fees incurred when attaining a new ID IS as well and any pumitative damages.
Product: Bank account or service

I currently bank with XXXX XXXX XXXX ( which is an online bank ). I wanted to cash a XXXX XXXX money order ( NOTE : This was a MONEY ORDER - NOT a check ) and yet USBank would not cash it for me because I did not have an account with them! I then took the money order to XXXX XXXX and had them tell me the same thing, " we can not cash a XXXX XXXX money order ''. Even after I explained to them that a Money Order is as good as cash, as it has to be purchased WITH CASH! What on earth is happening in our society when we can not go into a banking institution and have a MONEY ORDER cashed without having to be a depositor of that banking institution! This is highly unacceptable and absurd! I demand to know why I should be discriminated against simply because I do not bank with these XXXX banking institutions! And, because I do most of my banking online, my online bank allows me to make deposits through the US Bank ATM, however, I found out that they will hold these funds for up to 24 to 48 hours before making them available to me, which is highly inconvenient! And the reason that I no longer bank with USBank and XXXX XXXX is because I was getting " fee 'd '' to death if I did not keep a 'minimum ' balance in my savings accounts. I am tired of being held between a rock and a hard place by the banking institutions! I should not be required to have a bank account in order to get a MONEY ORDER cashed, as this is absurdly ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled a copy of my credit report and noticed that there are several inquiries being reported on my credit report in error. I have sent 2 letters to Experian Credit Report agency via certified mail requesting removal or to provide proficient validation of the inquiries. They have failed to comply with my request. Before I seek damages, I'm filing an official report now as a last request. It is my understanding that the FCRA states that the only permissible purpose for pulling someone's credit report is : a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

1. XXXX  XXXX XXXX XX/XX/2017 2. XXXX XX/XX/2017 3. XXXX XXXX XXXX XX/XX/2017 4.  XXXX XXXX XXXX XX/XX/17 5. XXXX  XX/XX/17 6. XXXX XXXX XXXX   XX/XX/17 7. XXXX XXXX XX/XX/17 8. XXXX XX/XX/17 9. CBNA XX/XX/17 10.  XXXX XXXX XXXX XX/XX/17 11. XXXX XXXX  XX/XX/17 12.  XXXX XX/XX/17 13. XXXX XX/XX/17 14.  XXXX XX/XX/17 15. XXXX  XX/XX/17 16. XXXX XX/XX/17 17.  XXXX  XX/XX/17
Product: Credit card

Citibank called the merchant and discussed my dispute without my knowledge or discussion of my issue. They then notified me of the " settlement ''. 

I closed the account. Not likely to ever use them again no matter how low or long the 0 % rate is.
Product: Bank account or service

The Wells Fargo Bank is deducting money from my account and not reporting it properly on my bank statement. This has happen on XXXX different occasion. Their is a mysterious disappearance of money from my account. I filed several complaint nothing has been done on their behalf to refund my money.
Product: Debt collection

This is an auto loan account that has been placed against my credit. This account does not belong to me
Product: Credit card or prepaid card

I have a business credit account that I used to pay taxes at the end of the year. I called to verify that nothing was on this business card prior to me using it and there was a XXXX balance so I paid taxes using this crrfit card for the year 2019. After I paid the taxes I took {$5000.00} cash to the bank to pay the card off off. I continued to receive statements stating I owed this money after it was paid off. I contacted Wells Fargo with this complaint and was told they could not go this far back and tell me what the charges were from years earlier and this was because the card already paid off. So I have paid this money off that was already paid in cash. Unfortunately at the time, I didn't have time to dispute as I would have normally done and didn't want anything on my credit so I just paid it. We have been doing business since the XXXX days and I have never been so disappointed and is actively looking for someone else to take over our business accounts. This company gets more disappointing yearly with fraud and abuse. Although, I feel this will still never be addressed as previously at least I have made the company aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my Credit. I notice an account that I did not authorize. this Account is fraud and I would like to report this I cant understand how this could happen, its like anyone can have access to your personal information. 
I would like this matter to be resolved, also I would like to add an fraud alert to my credit file ASAP so that can no longer happen thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted out of any solicitations and XXXX  sold my info behind my back to XXXX XXXX. I had no idea how that happened but reported XXXX to the XXXX XXXX XXXX Then I received a report from XXXX recently and see listed on it where they sold my info even though they show I OPTED OUT of any solicitations! I'm furious! The next time they sell my info I will sue them. I have it in black and white!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.
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 Date opened XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Iam filing a complaint with the CFPB regarding capital one failure to deposit my direct deposit from. My employer and any other incoming deposit capital one has cited technical issuesd which my violate electronic funds transfer Act ( EFTA ) as it requires timely access to funds this situation raised concerns about consumer protection laws and I request your assistance in investigating this matter to insure my rights are upheld thank you
Product: Credit card or prepaid card

i purchased a blue bird card start kit at XXXX XXXX store # XXXX on XX/XX/2020 and loaded {$230.00} onto card # XXXX i used the temp card with no problems, i registered it and recieved a new permanate card shortly there after. card # XXXX wich states my name INCORRECTLY ... ... ... ... ... ... .. MY NAME IS XXXX XXXX not XXXX XXXX XXXX i took my last name back in divorce so who you think you are or gives you the right to decide for yourselves witch last name i will use is not your place, but more important the new i tried using it for the first time it would not go thru saying card error for a purchase at store # XXXX on XX/XX/2020 for {$25.00}. 
so paid with cash the {$25.00} and went to customer service and made a balance inquiry wich stated there was a total of {$62.00} balance on card ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .AND theres no transaction history what so ever of purchased made at all. so where is my {$62.00} and store credit for an on line returned item for {$30.00}?????????? 
after much wasted time trying to resolve this online and over the phone i want someone to answere me and have an explanation how you are going to get this resolved without me wasting any more of my time. including getting a replacment card with my legal last name of XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX
Product: Debt collection

Santander Consumer USA at address XXXX XXXX XXXX XXXX XXXX, TX XXXX, has been furnishing account # XXXX for {$13000.00} as a charge off on my consumer reports since XX/XX/2017. I have reported this canceled debt as income. Income is not to be reported or furnished on my consumer report, that is an invasion of my privacy and XXXX XXXX XXXX XXXX is violating the Fair Debt Collections Practices Act. On the websites of XXXX, XXXX and XXXX they state income is not to be reported on a credit report ( consumer report ). I am requesting Santander Consumer USA to show integrity and accuracy and delete account # XXXX from all consumer reporting agencies. I am also requesting the 1099-C and/or 1099-A or I will be forced to report Santander Consumer USA to the IRS for tax fraud .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an ongoing problem. I will continue to submit complaints until enforced. XXXX negatively reported on my credit additional balance info, see attachments. Additionally, they sent me a check for {$80.00} for some admission of error? I have sent back the check and letter as there is no longer a enforceable relationship between XXXX, the note / mortgage holder, and myself. 

Previously submitted complaint from XXXX : XXXX. Does CFPB have any authority or influence in stopping the harassment, false credit reporting, fraud, etc. Can you enforce damages and fines? XXXX XXXX XXXX is now reporting again on my credit report as of this submission XX/XX/XXXX. I have won a court decision against XXXX XXXX XXXX and I would like fines and damages against them as they continue to harass me. Important notes from previous complaint from XX/XX/XXXX : Per a 2nd Judicial District Court of New Mexico Court Order, the order states the " mortgage and note are unenforceable. '' Case is closed. * XX/XX/XXXX Denied Motion ; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal * XX/XX/XXXX Case Dismissed With Prejudice ; Order On Statute Of Limitations Defense XXXX XXXX XXXX
Product: Debt collection

there is a collection account that was reported on my credit bureaus XXXX, XXXX and XXXX in the amount of {$1000.00} this is from XXXX XXXX XXXX, and is being services by credit collection services XXXX XXXX XXXX XXXX MA XXXX I have contacted them and XXXX XXXX as first of all I changed insurances in XX/XX/2018 I  switched to XXXX XXXX I notified the agent of this change, they continued to bill me and caused an overdraft in my account before finally cancelling the insurance. also I never received anything from the collection agency I found out about this when it showed up on my credit report
Product: Credit card or prepaid card

I purchased items for my sons birthday and XXXX stated that it was delivered. However I was not home I was at work and there was no one to sign for my package. My package required a signature. Needless to say I never received my package and I was told that within 10 days I should receive a refund from XXXX XXXX and I never did. Nor did PayPal resolve the issue and give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consideration is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable, also Title 12 sec 83 a. States that No national bank shall make any loan or discount on the security of the shares of its own capital stock. Unfortunately Wells Fargo, did not actually give anything in consideration therefore makes any claims of me owing them any debt are ALL FALSE AND SHALL BE CORRECTED ON MY CONSUMER REPORT AS PAID IN FULL OR IN GOOD TERMS IF I DONT GET ANY TYPE OF SETTLEMENT OPTIONS BACK I WILL CONTINUE TO SUE FOR FRAUD AND NOT DOING WHATS BEST FOR BENEFICIARY IN THE FIDUCIARY RELATIONSHIP.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card or prepaid card

I am very sorry to have Home Depot Credit card. I will not buy anything from Home Depot period. They tell people no interest for 6 months or 12 months with out telling them if you can not pay in full during this period you will be charged interest for whole amount you borrowed regardless how much you paid. Just not for the remaining balance, Even you only owe XXXX cents. Their interest is also out of the world. I request everyone to file a complaint with Federal Trade Commission about this predatory and foreign policies. Thank you.
Product: Credit card or prepaid card

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple filling errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. I hereby request you to do the below-mentioned things ; Delete tTHIS ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) I demand a validation of debt in pursuant 15 USC 1692g If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. 
Sincerely, XXXX : XXXX All rights reserved without Prejiduce UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Ad Astra Recovery Services added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account Ad Astra Recovery Services did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Ad Astra Recovery Services has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately.
Product: Checking or savings account

On XX/XX/2021 I made a purchase from XXXX for the amount of {$72.00} at the time of the initial purchase that amount was taken from my account. On XX/XX/2021 XXXX withdrew from my account {$41.00}. Then on XX/XX/2021 XXXX withdrew {$7.00} and {$24.00}. I noticed those amount totaled my original purchase of {$72.00}. Meaning {$72.00} was taken from my checking account two times for a total of {$140.00}. Upon calling XXXX they stated they needed a fax number or email from Citibank to send a notice of release for the overcharged amount of {$72.00}. Citi bank states its normal for a company to hold funds more than once for the same transaction. I asked if I bounce any checks due to this who would be responsible and Citi bank supervisor XXXX ID # XXXX simply stated well dont pay more than whats in the bank. I asked if I make a {$500.00} purchase would it be acceptable that the merchant held {$1000.00} from my account and he said it happens sometimes. That is totally unacceptable that a financial institution I trust and expect to keep my funds safe thinks this is acceptable when technically thats a fraudulent transaction being that I only authorized it one time. Im filing this complaint with the hopes that the bank will have to change this policy not allowing a merchant to hold the amount of the purchase more than once. Also, if the bank allows it and the bank customer bounces a check due to this that the bank not be allowed to charge overdraft fees and to pay any fees due to the companies to whom the checks bounced. Its my money and I have a right to say who withdraw funds from my account and the amount. Unfortunately the merchant would have been able to send a fax or email to have the bank release the hold on the overcharges but Citi bank does not provide that option causing me to wait 7 business days for the funds to return to my account. I hereby request action be taken to ensure Citibank customers dont have to go through this. Thank you