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

I Hook up PayPal to my bank and there refusing to let me transfer money into PayPal from the bank they said it's lock and it will be unlocked in 72 hrs it's passed and still locked
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items from my credit report. Despite my previous four attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. 

The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding the unauthorized inquiries listed on my credit report. Despite my repeated efforts to have these inquiries removed, TransUnion has failed to take appropriate action, resulting in harm to my credit profile. 

The unauthorized inquiries listed on my TransUnion credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have contacted TransUnion multiple times, both in writing and by phone, to request the removal of these inquiries. However, despite providing evidence that these inquiries are unauthorized and inaccurate, TransUnion has not taken any action to correct my credit report. 

I believe that TransUnion 's failure to remove these unauthorized inquiries is a violation of the Fair Credit Reporting Act ( FCRA ) and has had a negative impact on my creditworthiness. I request that the CFPB investigate this matter thoroughly and take appropriate actions to ensure that TransUnion complies with its obligations under the FCRA.
Product: Credit card or prepaid card

Hello I recently wrote the company Capital One. ceo XXXX XXXX on XXXX XXXX letting him know. I found out about the fraud they are doing. Scamming me by using a system called double dipping. They are going into my XXXX XXXX XXXX  and then sending me a statement asking me to pay again. I also explained in the letter definition on what different words were they were using making me think a statement was a bill or debt ( XXXX XXXX XXXX ) I received a letter bank on saying they do not accept the coupon for payment. They already had close my account and sent to collection. and messed up my credit
Product: Debt collection

( GLA COLLECTIONS ) at ( XXXX XXXX XXXX  XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$680.00} ) the collection openedXXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Debt collection

Payment was made on two accounts on XX/XX/21. 
The company agreed to settle the accounts and to remove both from my credit report. 
Both accounts are still open on my report, and the balances were only reduced by the settlement amount.
Product: Debt collection

I contacted Mercantile and asked for them to validate debt via mail and I have not received a debt validation. I would like for Mercantile to send me the breakdown of the balance in full, signed credit receipts and every transaction immediately. According to the Fair Credit Reporting Act I'm allowed to request for this information and I would like to have it in my mail box asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, Account 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 an account without my written instructions.
Product: Bank account or service

Bank of America posted a balance overnight after midnight and automatically charged me an over draft fee. Their policy is you have 24 hours to rectify the situation and they ripped me off. I contacted XXXX managers who XXXX told me normally the policy is to allow consumers 24 hours to put the funds in. They were both extremely rude and condescending. They ripped me off and then gave me an attitude. I want my overdraft fee returned.
Product: Credit card or prepaid card

On XXXX, XXXX  my bill did not go through SYNCB/XXXX XXXX  - account with 1 missed payment. I am kindly requesting SYNCB/XXXX XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Vehicle loan or lease

i have been under identity theft since 2004 a car was purchased in my name and it wasnt me and now when i try to get a new vehicle they bring up the vw credit incident
Product: Mortgage

XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX HUD-1 Settlement Statement, which I had received at the Closing on the evening of XX/XX/XXXX, at the Law Offices at XXXX, IL XXXX, under Attorney-Client Privilege, from XXXX, IL XXXX. I need Bank of America to return that original HUD-1 to me. 

Sincerely, XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX XXXX Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXXXXXX XXXX XXXX stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX
Product: Debt collection

I have disputed this several times which this account is unknown to me and have requested validation. I have heard nothing back. Please help
Product: Checking or savings account

I've been banking with JP Morgan Chase for both Personal ( Account # XXXX ( Who gave me a Private Client Account, and numerous accounts for my two business ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX including a credit card. Other than providing a letter, they've given me no reason as to why. I visited a branch, they told my wife no reason. They have not closed my fianc 's accounts who lives at my home who also has a JP Morgan Private Client Account, however, her name is XXXX XXXX an American name. I just fell I am being discriminated and singled out which is not fair. I've been paying them interest and fees for many years and have never had one negative mark on my mark.
Product: Credit reporting or other personal consumer reports

Subject : Revocation of Consent and Assertion of Rights under Fair Credit Reporting Act ( FCRA ) I am writing to you to assert my rights under the Fair Credit Reporting Act ( FCRA ) and related regulations concerning the handling and dissemination of my private information. 

As per 15 USC 1681 section 602, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Moreover, 15 USC 6801 underscores that financial institutions have an ongoing obligation to safeguard the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish consumer reports solely in accordance with the written instructions of the consumer. I want to clarify that neither Experian, XXXX, or XXXX nor any financial institution, including XXXX XXXX or XXXX, have my written consent to furnish my information. Any previous forms of consent, whether verbal, non-verbal, written, or implied, are hereby revoked and issued to cease and desist immediatly. 

Furthermore, 15 USC 6802 mandates that financial institutions must inform consumers of their right to exercise nondisclosure options, which has not been adequately provided by XXXX XXXX or XXXX. Additionally, under 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in consumer reports without authorization, which is clearly being violated in this case. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, entities are prohibited from furnishing inaccurate information to consumer reporting agencies and must maintain reasonable procedures to avoid violations of FCRA.

Finally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, which I am exercising now. 

Therefore, I demand that XXXX, XXXX, Experian and XXXX and XXXX XXXX cease any further dissemination of my information and take immediate steps to rectify any inaccuracies in their reporting. 

Please acknowledge receipt of this letter and confirm in writing the compliance with my requests within 15 Days. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Debt collection

It came again to my attention that PORTFOLIO RECOVERY ASSOCIATES reported in my consumer credit report a alleged debt I do not to them in tha amount of {$4900.00} on XXXX/XXXX/XXXX with account # XXXX .... 
PRA has settled with me out of court in the amount of {$500.00} paid to me about 60 days ago and agreed to remove the account in my consumer credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a forbearance on my home equity line in XXXX. Since I paid my XXXX payment I asked them to start in XXXX. According to the papers sent they said it would not be reported to the credit bureaus as late, it will be reported as current. Upon checking my credit they did report as late and my score went down 100 points. I have written to XXXX   many times and i get no response. This is very disturbing for I am XXXX XXXX XXXX and always had excellent credit. Now with this report I will not be able to buy a car in the future ( I am driving a 6 year old car now ) nor get another mortgage and many other things. I was so upset about this I brought the account up to date in XXXX but I need XXXX to correct the credit report. I am including the approval letter which indicates that it will be reported as current also including a letter I sent to Equifax where I was able to get a free copy of my report
Product: Debt collection

There was an old account which was paid in full during the time I had services with XXXX XXXX XXXX that for some reason was purchased by several collection agencies over the course of 7 years and I am not responsible for these charges. I have contacted each collector yet no one has sent me any information concerning this account. The last payment I paid was in the amount of {$100.00} to terminate my services with XXXX XXXX. A representative at the XXXX XXXX XXXX office located in my community took my payment and the equipment when closing my account. Several months later I began disputing the charges which are on my credit report, yet, nothing has been resolved.
Product: Checking or savings account

I have a Juno Finance account with which the funds reside with XXXXXXXX XXXX XXXX XXXX XXXX XXXX which managed the accounts and transactions filed for bankruptcy. As a result my funds were frozen for about seven months ( XXXX - XX/XX/year> ). When the funds were release in XXXX of 2024, I only received {$10000.00} of the {$24000.00} I had on deposit from an agent of XXXXXXXX XXXX XXXX XXXXXXXX. Both Juno Finance and XXXX XXXXXXXX XXXX XXXX have declared themselves absolved. Additionally, I had purchased XXXX of XXXX cryptocurrency with Juno Finance which has also been frozen.
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, 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: Debt collection

XXXX and XXXX, called relatives, called me. Threatened law suit, lein on real estate and personal property not mine. Garnishment of wages and personal bank accounts.
Product: Credit reporting or other personal consumer reports

I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XXXX Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit Reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.
Product: Debt collection

My mortgage company XXXX went chapter XXXX, sent my loan to XXXX XXXX Loan Care. 

They are charging me for escrow, I pay my own taxes and home owner insurance, I always have. I cant get them to correct the problem, its been three months, Loan transfer date was XX/XX/2019, I have sent {$3200.00} to straighten this out. 
They did not properly apply the money, also sent {$1000.00} towards principal, also not correctly applied. 
Please help the company is a nightmare. I have notified my lawyer and I refuse to send any more payments until they fix this easy but somehow impossible for them to fix problem. I have sent several emails to customer service and have not received one back form them.
Product: Student loan

Since XXXX  I have been trying to resolve a loan that was written off by XXXX XXXX. This loan was XXXX and I received government mail such happened. I even paid taxes on the XXXX amount. XXXX has been impossible to get a hold of. I have emailed XXXX  a year and called XXXX  a month. Their phone lines wont pick up and the emails dont get a response. I have tried to get the XXXX XXXX XXXX  to help and even they are baffled at no communication or records from XXXX  on this. 
This loan is in the amount of XXXX and XXXX on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I have been trying to get this stuff figured out since XX/XX/2023. I had 2 erroneous late payments thrown onto my credit report, that has seriously damaged my credit and my reputation. After alot of investigating and phone calls we finally came to the conclusion that Citi Bank is the company in charge of Best Buy 's store branded credit cards. And they are the one 's who committed this HUGE reporting error on my credit report. Please see the attached document directly from best buy that proves my case to be correct. Not only did I cancel a subscription that i never signed up for, but i was also refunded the full amount of this hidden subscription that they gave me ( XX/XX/2023 ). In XXXX and XXXX of XXXX Citi bank again violated me by placing a 30 and 60 day late payment on my credit report, for the subscription that was canceled back in XXXX of XXXX. How can a company of this magnitude make such a huge mistake? I've lost sleep, had to put buying a house on hold, and the worst part is that nobody has helped me.
Product: Checking or savings account

Opened a checking account on XX/XX/XXXX, using a promotion page where Citi was offering a Tiered Bonus based on the amount deposited to a new Citibank checking account. The offer was a {$1500.00} bonus for maintaining a balance of {$200000.00} or more ( deposit within 20 days of opening, and maintain that balance for 60 days ). 

On XX/XX/XXXX, I deposited {$200000.00}, and to be safe, I added an additional {$5000.00} on XX/XX/XXXX. I maintained a balance of {$200000.00} or more from XX/XX/XXXX to XX/XX/XXXX. I used chat support with Citi in XX/XX/XXXX to confirm that I was on track to receive the bonus, and they responded " as I can see the amount will be credited on your account by XX/XX/XXXX ''. 

On XX/XX/XXXX, after not receiving the bonus, I contacted Citi again using the chat feature and received the response " As I have checked you met all the requirement for the bonus '' and that they would open up a dispute. On XX/XX/XXXX I called Citi after not receiving an update on the dispute ; the representative on the phone confirmed I had met the requirements for the bonus, and explained that there was a delay due to the case being moved to a different agent. 

On XX/XX/XXXX, I received a message from Citi with the message " Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. ". After calling Citi multiple times after, they claimed that there was no promotion attached to the account, and did not offer an explanation of why I was told on the contrary multiple times in the past that I had met the requirements of the bonus. 

I would not have opened this account if it were not for the bonus, and if I were not reassured multiple times that I had met the requirements and that I should be receiving a bonus, I would have closed the account earlier. Instead, I opened up a checking account due to their promotion, and kept my money in the account because I was told that the bonus was still coming, but that it was delayed. I have still not received any bonus.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX BTC ( XXXX USD ) from my Coinbase account to the fraudulent investment firm. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Product: Credit card or prepaid card

On XX/XX/XXXX I called card servicing for my XXXX and XXXX Cards continental finance. I made a payment on both cards prior to their due dates. On XX/XX/XXXX I received a credit alert that I had a delinquent account. After reviewing the alert I contact continental finance to advise that I made my payment. Instead of the customer service representative applying the payments as requested one to each account. They applied both payments to the XXXX Card. This happen to me in XX/XX/XXXX on the XXXX Card they claim that I missed a payment and have been reporting such. I suspect in this case they applied the payment to my mother 's account as I also call in payments for her account. I suspect that the same thing happened in this case. This behavior is unacceptable and could cause people to have damaged credit due to this types of mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report I see that I have hard inquiry from XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022, that I did not authorize. Please remove all of these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX Equifax has the following incorrect address : XXXX XXXX   XXXX XXXX XXXX, VA XXXX XXXX has the following incorrect addresses and names : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX I have asked XXXX, Equifax and XXXX numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.
Product: Debt collection

MOHELA had searched and contacted XXXX in-laws that have nothing to do with this debt or who need to know any information about my personal and private financial matters. This is disruptive and intrusive to my in-laws and unauthorized.