23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of America extra charges Interest charges of purchases Overdrafts
Product: Payday loan

I keep receiving phone calls from people at a company called STP management. I have talked to them a total of two times. They have never sent me any written document to my home address. They are also calling my family members more than once. This is a violation of the The Fair Debt Collections Practices Act as amended by Public law 111-203, title X, 124 Stat 2092 ( 2010 ). Section 804 and 809. I found their website and contact information and have emailed them. I have notified them that they have violated by rights and they need to provide written correspondence of the debt that is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX Balance : {$9.00}, XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX : ) XXXX Balance : {$160.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-XXXX  ) you are required to remove these items or information not later than XXXX business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a Identitytheft.gov report of fraudulent transactions on my account and was sent a letter asking for more information because they don't believe it is me making the report. I've provided my ID and proof of residency in the previous letter and that is all that is required under FCRA guidelines. I have identified information on my reports that are a result of identity theft these items are not related to any transactions completed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Transunion that XXXX XXXX XXXX, is attempting to collect on a account that is already being reported/collected by Consumer Adjustments on both Transunion and XX/XX/XXXX. But they deemed my dispute inaccurate, and the information was correct. I just need this account to be collected my one agency, not two at once.
Product: Debt collection

This firm is using wrong tactics on me to collect the debt. They are saying in the letter they sent a letter to Postmaster on XXXX XXXX to verify my physical address and they are saying on XXXX XXXX they received a response from the Postmaster indicating I had moved and left no forwarding address. This is absolutely false and should be prosecuted for giving false information that I moved. I have been receiving mail and also received a letter in XX/XX/XXXX dated XXXX XXXX. I have been at the same address for the last 16 years. Did they contact the XXXX XXXX company, the Gas company and Water District to verify my address. It will show with them my accounts through out and still have. If I had moved, I would not have accounts with them for that address. They are saying I declined to verify my address in XX/XX/XXXX and that is also false. Instead I asked them to verify my address and they did. I have phone records how many times I called this office numerous times since XX/XX/XXXX to get rid of this account. They had my phone numbers to contact me. Then they are saying my last payment made on the credit card was XXXX XXXX, 2012. I asked the Bank to verify where those funds came from. They said it came from the Business account when I never had business account in 2012. The last payment made was more than 4 years ago. The bank made errors before also on the statements. In order to file a suit they are showing payments made in 2012. I need proof how that payment was made.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The complaint, referenced as FTC Complaint Number XXXX, was filed on XX/XX/XXXX. 

Complaint Description : My credit report shows several unauthorized inquiries that were made without my consent. When I contacted the creditors responsible for these inquiries, they confirmed that they have no evidence to show that I initiated the inquiries. Additionally, they could not provide any written or verbal authorization from me to support these actions. 
Given the lack of valid authorization for these inquiries, I formally requested their immediate removal. However, the credit bureau has failed to provide a satisfactory response to my request, prompting me to escalate the matter to the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Student loan

Borrowers defense application form states no interest should accrue after XXXX  days of deferment but Nelnet adds it to my account and sends it to credit report. See section XXXX
Product: Credit reporting or other personal consumer reports

I asked the credit bureau ( s ) to check my credit report for accuracy and to verify the accounts on my credit report. XXXX replied that everything is accurate, XXXX and Equifax has not responded. After I checked my credit report I still find inaccurate information on my credit report and no response to me asking for verification. ( All accounts with star mark in front of them are the accounts ) Also you can see how XXXX has no name for my credit report and a previous address ( I have lived at my current address for over 2 years ) I have asked the credit bureau ( s ) to update my name and address. I have provided them with a copy of my driver license and SS # ( card ).

I asked the credit bureau ( s ) if they was familiar with 15 U.S.C Sec. 1681i ( a )?
Product: Credit reporting, credit repair services, or other personal consumer reports

I h ad a conventional mortgage until recently. I was serviced by   XXXX   XXXX   XXXX   XXXX  . I  was in the process of selling the property, and there was also a modification in process. The first payment for the modification was due   XXXX   XXXX       2017     which I paid in a timely manner. The next payment was due    XXXX   XXXX   2017 w hich I also paid in a timely manner. When I contacted Equifax,   XXXX   and  XXXX , after selling the property in    XXXX   2017, to  make sure tha t  XXXX  w as no longer reporting the mortgage as having a balance, ( I sold it      XXXX   XXXX  , 2017 ), I  discovered tha t Ocwen had reported that two pa yments in     2017   as being late. This would be impossible. First, as I stated above, the mortgage was in modification status. And, the trial payment f or   XXXX   XXXX  , 2017, w as paid. In addition, I paid  XX/XX/XXXX  payment, even though I knew I was selling the house in a few days. Thus, there were NO Late payments paid in    2017.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FCRA, FBCA and privacy act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As for 15 USC 6802 B and C. I was never provided the knowledge of the opportunity to opt out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violating my rights for 15 USC 1666 B. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim of the Federal Reserve Act section 29.
Product: Debt collection

They have put this on my credit report despite it being discharged in my Chapter XXXX. They have never contacted us in writing.XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, am requested an investigation regarding method of verification item on my credit file that where being reported illegally, on XX/XX/XXXX I received a letter from you regarding investigation results the was verified as accurate. This concern me as I do not understand the reason that information still in my credit report. i request the Transunion provide a full disclosure of a Method of Verification. This request was made under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier request under FCRA 611 ( a ) filed, XXXX XXXX XXXX DL XXXX ). 

Base on that I was contacted on XX/XX/XXXX, to be inform about whos provide the public information and your consumer center agent said was inform by XXXX XXXX XXXX, have already contacted him and he sent to me the letter of I attached on this present letter. 

To be more specific, base on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of base in my request. The procedures for verifying records with the credit reporting agencies as Bankruptcy Court are not collection agency nor report any information to the credit reporting agencies. My lawyer XXXX XXXX XXXX said have no sent or submitted to any credit agency any information regarding this client based on that I request a method of verification. 

Whos Provide or verify de Information.

Date and Time Address Phone Number Person or Employee name Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Stating that you have verified the information with the court. I contacted the court and their response in enclosed. It is clear they do not report to your or to any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

I called back tranunion and they informed me was a third party name XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX phone ( XXXX ) XXXX am already contact by phone the followed company they took my information to call me back and XXXX week later never happen they don't call me. 

I think Transunion and XXXX XXXX XXXX violating my consumer rights. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX . 
XXXX, OH XXXX XXXX
Product: Checking or savings account

Im a customer with Truist Bank off XXXX line in XXXX TX and I went to this location to deposit my accident settlement check into my account I have had for years. Along with my ex husband and son who both deposited checks from the same law firm. My son cashed his check the same day with no problem and my ex husband deposited his as well with no issues. I was then asked a lot of questions from XXXX XXXX took the checks and deposited them on XXXX. XXXX the bank blocked my debit card the whole weekend without being able to access any funds.XXXX I go into the branch they say my check is counterfeit and that it will be returned. However the check they are holding they deposited partially some of the funds and still my card is blocked. They have verified me by my ID SSN DOB ADDRESS but still treating me like I am a criminal and have disrespected me to the fullest. XXXX the rep from the call center refused to allow me to speak with another representative and said that she will hang up on me if I keep asking questions. The branch manager XXXX I spoke with her on XXXX at another location and she stated that she could not help me the fraud department was closed and that she could not give me the funds I had in my account before the check was deposited but however on XXXX she gave me a partial amount of the available funds {$110.00} and I asked for a receipt she said they do not provide receipts for withdrawals. So after she was able to scrape up my receipt I asked her why did she not assist me Saturday and her reply is XXXX XXXX let me know he dealt with you on XXXX so i can give you the funds you had available. My question was if Im a fraudulent person why are you able to give me money from the account you all have blocked and she did not answer. I talked to the fraud department and asked the same question to find out that the branch manager didnt have authorization to give me any funds. I spoke with a lady The issuing company was also on the line and sent me an email of my check clearing their bank. I was advised to file a complaint due to the unfair treatment of TRUIST BANK. I feel that not only was I discriminated against but as a customer they dropped the ball.
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 timely and effective measures 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 seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the dates of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times to have the closed XXXX XXXX account deleted due to XXXX XXXX not following METRO 2 COMPLIANCE Account has been paid but XXXX XXXX refuses to do a pay for deletion
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. CITICARDS CBNA XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Debt collection

calls on XXXX XXXX from Portfolio Recovery re debt of approx {$6900.00} from 2012. Asked they stop the calls because I'm on SSDI with no assets of any kind. Asked that a judgement be taken for this if it hadn't been done yet ( I believe it has ), put a note into my file regarding inability to pay and to stop calling. They continue to call even when I told them I am reporting them.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX I'm Not Liable for this debt with Defenders
Product: Credit card or prepaid card

I requested writing that Venmo send me my positive account balance. I quoted 12 CFR 1026.21 Treatment of credit balances. I directed Venmo to deduct the past due amount from the account balance. 

Balance : {$470.00} Amount Past due : {$220.00} Money owed to me = {$250.00} I have attached the letter I sent on XXXX XXXX 2023. 
I also requested that the account be closed after its fulfillment of my request. 
It has been almost 2 weeks and per the law this should take 3 days to resolve or 3-7 business by mail. This is a violation of Truth and Lending Act and if not resolved I will be forced to take further legal actions.
Product: Debt collection

Radius Global Solutions LLC Radius Reference Number XXXX Balance Due XXXX XXXX XXXX XXXX XXXX, MN XXXX Mail Code COMM XX/XX/2019 Customer Service - XXXX ext XXXX Refers to debt as XXXX BANK ACCOUNT XXXX XXXX XXXX No such account exists website provided was XXXX which is clearly fake and asks for last four of social to pay debt
Product: Credit reporting or other personal consumer reports

I have noticed multiple unauthorized hard inquiries on my credit reports specifically from XXXX and XXXX. I was able to obtain this information using XXXX XXXX. 2 of these hard pulls came from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. Upon noticing this I reached out and called the creditor, and I was told that the XX/XX/XXXX report they have already removed and that the credit bureau was notified by them to remove this hard inquiry months ago. XXXX XXXX began another investigation into the XX/XX/XXXX incident. 

The XXXX hard inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX dating back to XX/XX/XXXX. 


These 3 hard inquiries have significantly harmed me and prevented me from obtaining credit cards which I really have desired.

I WOULD LIKE TO FINALLY HAVE THEM REMOVED OF MY CREDIT REPORT AND STOP HARMING MY CREDIT SCORE IN THE FUTURE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charged me {$400.00} deposit on a cell phone I was purchasing in full, at retail price, in cash, in person. 

This happened when I opened my non-contract pay as you go plan. I purchased the XXXX XXXX XXXX. 

I later found out that they performed a hard inquiry on my credit. 

During this interaction, I had never BORROWED anything from XXXX. I am not on a contract plan, I am paying month to month. I feel that this credit check is unwarranted as I never applied for any line of credit or borrowing. 

I later sold this phone and disconnected the line. It took months and multiple phone calls to get this deposit back. They originally told me I would receive a check in the mail. I never did. They applied it to my account balance without notifying me. 

I had also purchased an XXXX phone at a different time, and was also charged a deposit. Again, no borrowing. I paid the full price for the phone. I have since sold the XXXX, and purchased a XXXX XXXX. I brought this onto the XXXX network by swapping my sim card. Now that the XXXX is no longer on my plan, I would like the deposit to either be credited to my account, or mailed to me. 

Throughout my experience with XXXX, I have had issues with my coverage. Especially after Hurricane XXXX hit my area. I get 1 bar of service in my apartment. This has n't been fixed, and it seems like almost every call to XXXX is STILL about trying to get my deposits resolved. They have not sent me a signal booster like I 've requested multiple times.