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

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures
that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Full Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!
Product: Credit reporting or other personal consumer reports

I filed a dispute on rent recovery solutions .. account number XXXX. Due to inaccurate information and XXXX denied to follow up with the investigation. I was recently notified cfpb has a lawsuit pending on XXXX. They alleged the company of accepting unreliable information, failure to notify accurate and throughly investigated consumer dispute results. All of this alin with my issue, as XXXX has not attempted to remove or correct any information on my consumers report. Im requesting that this derogatory remark be removed as this has been a major impact on my chances of getting a house, a car, credit card & etc. XXXX has violated my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, nor did I give them permission to review my credit report verbally or written, which brought down my score significantly. I requested information from the credit bureaus where I gave consent and I keep getting them constantly reporting and I was never given any proof over the last 36 days. the only one I recognize is XXXX XXXX XXXX on XX/XX/XXXX. All the other inquiries and not legitimate and asked they be removed immediately and the credit bureaus not not honored my request. These inquiries and not mine and a inaccurate. 
XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( fadulant Acct/EX-Wife ). XX/XX/XXXX XXXX XXXX Credit Bureaus : XXXX Equifax XXXX
Product: Checking or savings account

I had some charges come out of my checking account the weekend of XXXX XX/XX/11. These charges caused my bank account to be overdrawn. I deposited cash at about XXXX XXXX on Monday XX/XX/XXXX that brought my account positive. When I checked my account on XX/XX/XXXX, there were five {$37.00} fees on my account. When I called TCF, they said that their cutoff time is XXXX XXXX  MST and that they wont reverse the fees. I find it excessive and unconscionable that a bank can have a XXXX XXXX  cutoff time and charge me {$180.00} for making a cash deposit twenty minutes too late. The bank will not provide me their policy in writing either. I filed a complaint with a supervisor and they said that they would get back to me in ten days, but in the past, those promises have been unkept by TCF. They have inconvenienced me multiple times with system outages and ATM outages related to their merger with Huntington Bank. I feel that they should reciprocate by waiving these fees based on the details Ive laid out here.
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 the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take times and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair, and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised and stolen. As a result the following accounts have been opened under my name and social without my permission. Ive reached out the all the credit bureaus and haven't received any help. The following accounts listed are a result of ID THEFT : XXXXXXXX XXXX  XXXX Acct XXXX XXXX ( {$2800.00} ) XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX {$750.00} ) XXXX. XXXX XXXX Acct # XXXX ( {$290.00} ) XXXX XXXX Acct XXXX XXXX ( {$19000.00} ) XXXX. XXXX XXXX XXXX Acct XXXX XXXX ( {$990.00} )
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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

I've recently noticed unauthorized transactions showing up in my venmo checking account and I went back and looked and I discovered XXXX unauthorized transactions that is taking place on my account over the last 2 months so I notified venmo and I file disputes on all of these transactions they respond back XXXX days later at XXXX at night that all my disputes have been denied I contact venmo to inquire as to why or what was going on and they told me the decision was made pretty much to deal with it and then told me to have a good night and end of the chat session this is unprofessional it's downright wrong borderline criminal and morally wrong on every level I'm a victim of theft and they treated me as if I was the thief applicable behavior for such a prominent name like venmo
Product: Debt collection

I sent out a debt validation letter and received a response on XX/XX/2020 they didnt validate the debt the company only sent out a list of the accounts and amount of debt. Than i sent a failure to validate letter i received a response on XX/XX/2020 with no valid information or contract they sent the same letter that they sent on XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

The incorrect name and workplace is being reported on my report for Experian. They claim to have fixed it XXXX XXXX   but my name and workplace is incorrect. They have 2 unknown names for me that I have never went by
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2023 To Whom It May Concern, Subject : Request for Supplementary Report and Related Personal Information I am writing in accordance with my rights under federal consumer law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to request a copy of my supplementary credit report and all related information that your agency holds pertaining to me. In addition, I kindly request any security keys, PINs, or other relevant authentication details associated with my information. 
Under the FCRA 's 609, Disclosures to Consumers, the law states : " ( a ) Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request... '' Given the above, I expect your agency to provide me with the requested information in compliance with this regulation. 
Furthermore, I kindly request that all provided information be channeled through the Consumer Financial Protection Bureau ( CFPB ). This is to ensure transparency, accuracy, and adherence to the guidelines that protect consumer rights. 
Your timely attention to this matter is highly anticipated. I expect a response within the 30-day window as specified by the FCRA. If for any reason my request can not be fulfilled entirely within the stipulated timeframe, please inform me at the earliest opportunity with a valid reason and the anticipated date by which I can expect my request to be fully addressed. 
I have enclosed copies of a utility bill and my identification for the purposes of identity verification. I explicitly do not grant permission for my provided information to be added to your database or for any subsequent updates to be made to my personal information using this provided data. 
You may respond to this request by forwarding the requested information to the Consumer Financial Protection Bureau ( CFPB ) or by emailing it directly to me at XXXX Thank you for your cooperation. I trust that your agency will handle this request with the diligence and urgency it requires. 
See enclosures to verify identity. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I DISPUTED INQUIRES ON MY REPORT WITH TRANSUNION AND EQUIFAX AND THEY TOOK THEM OFF AND REINSERTED THEM XXXX XXXX LATER WITHOUT NOTIFING ME. Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau removes information from your credit report following a dispute, and then later reinserts that same information, they are legally obligated to notify you within five business days of the reinsertion ; if you are not notified, you still have the right to dispute the re-added information again, potentially taking legal action if the credit bureau fails to comply with the notification requirement. BOTH REPORTING AGENCIES NEVER NOTIFIED ME AND ITS MANDITORY THAT THEY WAS SUPPOSED TO NOTIFY ME AND THEY DID NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX and TransUnion reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.
Product: Checking or savings account

On XXXX, I went to Chase Bank to make a withdraw. The branch was located at XXXX XXXX XXXX XXXX, OH XXXX. At approximately XXXX I entered the branch and indicated to the " greeter '' that I was there to make a withdrawal of {$1000.00}. I had planned to talk with a banker but I was directed to an ATM. I utilized the specific ATM the gentleman pointed to and the ATM debited {$1000.00} from my account but only dispersed {$360.00} leaving me without {$640.00}. 
A personal banker assisted me and I was under the impression they would retrieve my cash so that I would be made " whole '' prior to leaving the branch. This did not happen. A " claim '' was opened and I was told my funds would be back in my account within 12 hours. Later during the evening on XXXX, I called the Chase claims line and was told that the correction could take up to 45 days, which is significantly longer than the 12 hours  initially promised to me. 
On XXXX, I checked my online account and the money was still not refunded. I called the claims line at approximately XXXX on XXXX and complained about this process. I was told by the first agent the claim was already " approved '' but the escalation agent indicated that the claim is still in the processing stage. I'm obviously struggling to get clear answers from Chase and this is not acceptable.

Bottom line : Chase has {$640.00} that belongs to me. I'm beyond disgusted that the banks, which the American people bailed out in XXXX, can prey upon consumers this way. This is shameful and needs to be addressed ASAP.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address and fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXXXXXX XXXX XXXX XXXX in regards to a hardship that i was going through with my husband who sustained a XXXX XXXXXXXX and was out of work. I wrote the letter and received an letter back stating they approved the hardship and that they will update my credit report and help me with my loan. About a week after i received a letter i got notification on my credit report the loan was charged off. How is this possible if I received a letter stating they approved my hardship that is completely fraudulent on XXXX  to do this if they aren't going to honor the hardship. I couldn't even make a payment online because it states We Apologize We are currently experiencing technical difficulties and are unable to access your account. Please try again later. 

I sent a check directly and got a return to address well come to find out THEY SWITCHED LOCATIONS! So regardless of me trying to make any sort of payment I couldn't. I work full time and have a XXXX XXXX XXXX XXXX and sick husband I am taking care of so I can't spend hours on the phone with a representative. WILL NEVER BANK WITH XXXX EVER!
Product: Mortgage

PennyMac USA failed to pay our real estate taxes due XX/XX/XXXX. They told us that the local taxing authority told them it was already paid. Our local authority disputes that and said that the bank never called them, nor do they ever. I now have a delinquent notice which I faxed to them yesterday and they can not confirm that our taxes will be paid, nor when they will be paid. They only tell me the next scheduled payment is XX/XX/XXXX and they will try to get it escalated. These taxes need to be paid immediately. I 've spent two hours on the phone with them and I am at the end of my rope. The tax department does not take phone calls and they offer no assurance that I will be notified if and when these taxes are paid. Meanwhile, I am listed as delinquent with the local authority which is embarrassing as this is a small town. There is more than sufficient funds in escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shared with out consent, credit inquiries from unknown soucres when to purchase a vehicle. i was inform that my credit is going to be ran once. not buy multiple lenders.. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/XXXX, I wrote a check to XXXX XXXX XXXX Wisconsin for {$57.00}. In doing their check certifying via the Certegy Company. The check would not go through because the machine was down. Normally returning the check to me, this time they asked I write it out, because the machine did not work. In doing this, they electronically collected {$57.00} on the XXXX, then again took claim to {$57.00} in the form of a paper check. I did not know this until we saw on the bank print out the first week of XXXX, when our check from our XXXX checking account was denied. Our banker called Certegy to explain that they need stop the process or inquire on it. Our bank saw the issue as we disputed it. Returned our money to us. even though our checking account, had money, our checks are no longer excepted. Contacted district manager, he fired the manager who did this after inquiring in the banking logs. Offered to return our moneys, yet that they now owe to our bank. However, we then received a letter from a collection agency XXXX  XXXX XXXX, out of Tennesee,. stating we owe {$57.00} destroyed our credit and we did not a thing wrong. We live in a rural area, and many use the Certegy service. which makes it impossible to use our checks. We need our credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is deliberately reporting incorrect information on my report which has significantly affected my score compared to the other credit reporting agencies. I have reached out to the company that I have direct credit with and they have assured me that the information on Transunion site does not reflect their updated report. This is for my student loan and car loan. My student loan is on an income repayment plan for the past few years and yet last month Transunion alone reported it late for 30 days. I called the student loan servicing company and they said they did not report such information.
Product: Credit card or prepaid card

When Is a No Interest Balance Transfer Actually Not a No Interest Balance Transfer.
I have had a Chase credit card since XX/XX/XXXX. In XX/XX/XXXX I applied for and was approved a 0 % balance transfer of XXXX. Since that time I have made payments of at least {$200.00} over the amount of any purchases I made for the month, with the balance being applied to the promotional portion of the account which has been decreased each month by the amount I have paid over the monthly purchases. But I am being charged interest each month because, according to the Chase customer service people I contacted on XX/XX/XXXX, there is a balance on the account, which is the supposedly no interest portion. So it appears to me that Chase is actually charging interest on a supposedly no interest balance transfer. To me this has the appearance of a deceptive business practice.
Product: Debt collection

XX/XX/2022 I, XXXX XXXX, consumer, received a debt collection letter, without my consent, from a Credit Control Services , Inc. dba Credit Collection Services. I do not know them nor owe whomever they're claiming I owe an alleged debt. The fact Credit Control Services , Inc. dba Credit Collection Services got my personal private information is a violation of my right to privacy according to 15 U.S. Code 1692k civil liability. This agency is now liable for damages against me, a consumer.
Product: Debt collection

I received a call from a private number notifying me that I had been served and to call XXXX and provide case # XXXX. I called that number an the company did not identify themselves until I asked who I was calling. I was transferred to a man named XXXX who proceeded to tell me I owed a Payday Loan from 2010. He had details of an old bank account and old email address of mine. I asked who had called and told me I had been served and he answered a courier company had called me to notify me of a pending judgement. I think this debt is too old to collect on and am not even sure I still owe said loan. He gave me XXXX options for payment and told me I had to pay them something to allow him to put a stop order on the judgement where it would end up costing me $ XXXX to take care of. I told him I would n't and could n't guaranty anything until I had time to thiink about it. He kept pushing for some type of payment which I refused to give. As far as I know thay are not even licensed in the state of NC to be able to collect a debt. I 'm furous that I had to hear about this from a courier company who tells me I 've been served. Is that legal??