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

This is my numerous request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian informed me that they dont have to review or conduct an investigation. I was told that they only have to send the information I provide to the furnisher and whatever the furnisher says is what it is. Experian informed me that they always side with the company, it doesnt matter what I say and They will not do an investigation. This was all recorded. 
This is definitely against fcra laws.
Product: Bank account or service

On XXXX I opened a US Bank checking account which was having the promotion..deposit {$500.00} or more in direct deposit and after 60 days they will reward me with {$120.00}. I had used the correct promotion also. I had the {$500.00} direct deposit XXXX ( from my employer i.e. salary deposit ) i.e. within 60 days ... I was suppose to get {$120.00} on XXXX ... i followed when not getting {$120.00} ... this week got the response that they wo n't be giving me {$120.00} as I opened the wrong checking account-what??? But i had the promotion code applied -if i was opening the wrong account with the right promotion code on the website ... why the website did n't stopped me ... i already called the customer service ( phone call as well as chat ) -nobody told me that at the time of opening the account ... ..so they are just making an excuse not to pay me {$120.00}. i fulfilled all the rules and played by their rules book ... but now they are denying me the promotional bonus that i deserve ... .essentially speaking they are confusing the customer if they ca n't convince them.
Product: Vehicle loan or lease

I have a close auto finance account with Capital One. Paid off. I went through some hardship medical issues and a job loss in XXXX I regularly stayed in contact with them in regards to late payment schedule and worked with them consistently. They assured me that there werent negative reports to my credit report since they were agreeing upon the scheduled payment dates said they werent 60 days delinquent so it would reflect poorly. I now am trying to purchase a home and see the negative remarks and they shouldnt be there. I disputed with them through XXXX  and nothing was resolved. I dont believe they should reflect since I have been with them through the years and also have 2 other accounts in great standing and those delayed payment dates were AGREED UPON due to my temporary situations. XXXX and XXXX related at one point. And unemployed at another time. But I still made my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate personal information being reported to my credit profiles
Product: Debt collection

I co-signed for the car that was totaled and the auto company did a charge-off and written-off by the auto company they have been reporting to XXXX the charge-off every month from XXXX till now XXXX and it's illegal and fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX I was reviewing my report and noticed that I have fraudulent accounts reporting to my credit report. XXXX XXXX XXXX is tremendously hurting my credit report and needs to be deleted. I never applied or opened this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WAY XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an accident and was in hospital for XXXX .At some point I called Synchrony Bank to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.
Product: Debt collection

I was told that during the time of paying the Debt off with Midland Collections they were going to delete the collections account off of my Credit Report by the months end of the final payment. After contacting them today on XXXX XXXX 2021, the representative stated they were not going to do so until 2 years from the day they received the account through collections. I was never disclosed that they do this over a 2 year period for deleting the account from my reports and never received any information pertaining to that for Midland. I thought it would delete as originally stated which was 30 days from the final debt payment and not what I was told today. 

The last payment was sent to Midland on XX/XX/XXXX for an amount of {$85.00} and total amount of XXXX. With this last payment I should have had this removed as promised by no later than XXXX XXXX, 2021 but instead after talking with them today this was falsely promised and now I am told a totally different thing which is unfortunately effecting my report when I am trying to get a mortgage for my first home.
Product: Debt collection

I had XXXX in my account SunTrust and one day I was to the bank and they told me that my account was close for any reason that I didn't know.. After they told me that legal debt collection but the problems is that I didn't receive any documentation in my house regarding who's company I owed money. I would like to receive my money because is to many time that I go to the branch to ask then and I don't receive any cuestion. I contact already the department but they don't answer. This issues was more than 8 month but they took the money from my account XX/XX/2020 amount of XXXX
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized credit inquiries on my XXXX and Equifax credit reports. I followed protocol and called each of the companies who instructed me to contact the XXXX XXXX. The XXXX XXXX failed to investigate this matter and did not provide any supporting documents to indicate that they did not just produce an automated response that basically stated that they will not investigate and to contact the these individual companies again. 
I have notified both XXXX and Equifax that I have previously been a XXXX of identify theft and that from time to time unknown person ( XXXX ) attempt to run my XXXX in an attempt to see what they can get. I have also been the XXXX of several credit breaches through various sources and my information is out there! I depend on the XXXX XXXX to research these matters not simply produce an automated response that states that they can't help me but yet they allow my XXXX to be ran.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024 I notified XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX  has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. 
I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX  complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumer like me. 
Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by XXXXXXXX XXXX 
Please feel free to contact me at XXXX XXXX XXXX XXXX
Product: Debt collection

This is just a general complaint. a utility company says I owe XXXX and sold the debt to a collection agency. The collection agency tacked on fees and put {$140.00} as a negative remark on my credit. 

I have never received any service from the collection agency, I never entered into any contract with them either, so why should I pay for services rendered to a creditor/utility company, when the utility company has agreed to a payment from the credit agency? 

I do n't think the agency should be able to represent that I owe them the {$45.00}. A consumer should only be responsible for the debts that they make. Any fees a collection agency thinks they deserve should be dealt with between the collection agency and the original creditor. Passing these fees on to a consumer only digs deeper holes for consumers for services they never wanted nor received. 

I think legislation should be enacted that 1 ) a company can only report to a credit bureau to collect the original debt, and 2 ) a collection agency can not collect extra fees from the consumer.
Product: Debt collection

Discover Personal Loans made an on-line loan in the amount of {$20000.00} to a person using my identity. Reviewing my credit report, I see that they are showing it delinquent and dadding on additional charges. I did not file this application, I did not authorize this loan and I have been notifying them since the end of XXXX that it is not me. 
Discover has indicated that they are investigating, but in the mean time their negative references are affecting my credit.
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process 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: Vehicle loan or lease

I purchased a vehicle on XX/XX/2022 and financed it through TD Auto Finance. I made all of my monthly payments on time and was fortunate enough to pay the loan off on XX/XX/2022. XXXX sent me a letter dated XX/XX/2022 acknowledging the payoff along with a release of lien letter. I have tried to obtain the title through my local DMV but they will not issue it because the lender hasn't released the electronic lien. I have contacted TDI and they will not release the electronic XXXX because they claim to have never received the original title from the dealership. This issue is between XXXX and the dealership. XXXX  will not give me a date as to when this will be cleared up and I am left with no where to turn. I have a vehicle that I can not sell without a title and XXXX  will not give me my title. What do I do??
Product: Credit reporting, credit repair services, or other personal consumer reports

Spirit Airlines XXXX MasterCard denied and my Score is XXXX, XXXX, XXXX so I file settlement.
Product: Money transfer, virtual currency, or money service

I initiate an external transfer of {$8000.00} from my XXXX checking to my Citi checking on XX/XX/XXXX. The money was deducted from my XXXX checking on XX/XX/XXXX. And I received a phone call from Citi on XX/XX/XXXX saying that the money was rejected by Citi because of some mis-information. Meanwhile, the Citi agent called XXXX verifying my info during our phone call, and it turned out all the info are correct and it was some mistake on Citi. So Citi said they would unblock any future transfer from my XXXX checking but unfortunately they already sent that {$8000.00} back. And the Citi agent mentioned that the money would be shown in my XXXX account in 3 days. Today is XX/XX/XXXX, 5 days after Citi called me, and I still didn't see the money showing in my XXXX account. I called XXXX and said they never received the deposit back from Citi. And then I called Citi, they said they don't know what happened and don't know where is my money. 

This is totally Citi bank 's fault that they are so inefficient and mess up with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX. 
My DOB XXXX SS # XXXX. I need to update my employer XXXX XXXX IS MY CURRENT AND ONLY JOB. PLEASE DELETE THESE EMPLOYERS NOT MINES : XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
I had some issues with my ID being compromised and I need to file a complaint to have these addresses deleted : XXXX XXXX XXXX, XXXX, OH   XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX  {$5400.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i send an email to XXXX, and on XX/XX/XXXX, i send an mail to both XXXX and XXXX, that they information that they are publish is incorrect and its damaging my credit history that i will like for them to investigate to information, i told them that i will like them to investigate the information regarding Discover Bank Account XXXX, this banks states that i owe them money on a default credit card that is the reason why they send it to charge off, i ask the three business bureau to ask the discover bank to provide me any documents that they had, that states the account belong to me, such as a contact with my physical signature etc. Unfortunately they were unable to provide me this documentation, on XX/XX/2022 i received a correspondent, that states for further investigation i should fill out the form with my signature. which i believed that the bank is trying to use the form to obtain my signature. 15 U.S.C 681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written instruction I have attach he letter I mail to them also, the letter I had received back from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked the XXXX, XXXX, Equifax, and XXXX Nexus to Verify who is the " Original Creditor '' of the " Alleged '' Debts on My Report. They have not done a proper investigation over the last 4 years of me disputing the companies. I have been denied for Buissness and personal funding. Under 15 USC 1681-1681c. 15 USC 1692j. All 4 Credit Reporting comapanies contain inaccurate alleged debts with all different information. No proper investigation, BY LAW, was never done. 15 USC 1681a- 168XXXX. 


Thank You
Product: Checking or savings account

My Current debit account was scammed {$1300.00} on XX/XX/year> starting at XXXX with continued fraudulent charges of {$75.00} until XXXX XXXX. I filed a dispute 48 hours later and my dispute was denied on XX/XX/year>. These charges ALL had a foreign transaction fee. I explained to Current that I have NEVER LEFT MY COUNTRY. How is a foreign transaction fee not enough evidence that these charges were not authorized? Better yet.. why not after the third charge from the same company wasnt any form of security enabled? I have an XXXX XXXX whom eats XXXX DAILY you can see the transactions from the moment I opened my debit card account. My XXXX BROTHER depends on me. My sister, depends on me. I need this resolved and I find it absolutely ludicrous that in the year XXXX  with all the technology we have, this can be denied. A woman who cares for her siblings, doesnt do anything for herself, yet can get robbed over a XXXX dollars and be denied by her bank as well. I dont want to have to take this to court but I will because this situation has me emotionally distraught. I am in tears. I have had extreme XXXX  since this situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit on a open and consumer credit plan as late for any purpose.
Product: Debt collection

I was a loyal consumer of XXXX XXXX for over 15 years. Whenever I called to speak to someone I and it seemed the customer support person as well were having language difficulties. The worst was that they would put other peoples charges on my bill and when Id catch them I would call to have them removed. I got tired of this and decided to try XXXX in XXXX. XXXX paid {$250.00} for the switch which I paid to XXXX. I have never received a call or a bill from XXXX after I paid the {$250.00}. I had my credit report pulled recently and XXXX has reported that I owe them {$140.00} through Diversified Consultants. I had never received any notification from this company about this alleged debt. I called XXXX to attempt to get an explanation of the {$140.00} they say is owed. The Customer Service Rep kept asking me what was the passcode to the question what was the name of the block I grew up on and I told them, but the system would not let him in. He said that the account its either too old or my password is incorrect. Well my passcode is correct I had it for 15 years and I have grown up on only one street and I did not forget that fact. I was transferred to everyone. No one could open this account to tell me why I owe this money. I was eventually told that I the XXXX   stores would be able to open the account but they could not. I went to the XXXX store and they had the same problem and called someone to help and I was told that the account is closed and too old to open. If that is the case, then why would I owe them any money. I have the right to know why I have a bill. I left XXXX owning my phone and so did my son. So we only had bills that was owed and we were not under contract but with only one phone which was my husbands phone that I believe he didn't own. But the {$250.00} pay off should have paid for the phone.. I spoke to XXXX and they said that they would consider paying the debt if it had to do with a contract issue but would need the break down from XXXX. But - XXXX can not open the account to give an explanation. I should not be in debt to anyone who can not prove what it is that is owed. I am looking for them to remove their debt report from XXXX, XXXX, XXXX   and any other agency they reported this to. This was placed on my report XX/XX/XXXX by Diversified Consultants XXXX XXXX XXXX XXXX Fl XXXX - to be removed from my report XX/XX/XXXX. 5 years for {$140.00} is a long time. But I still have the right to know why I owe this money and no one can tell me. 

XXXX XXXX XXXX I am afraid that because it has taking me so long to get any information, that tmobile won't pay since they are now in the process of merging with XXXX.