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

I received a text message to my cell from an email XXXX stating it was a co worker XXXX XXXX and she was stuck at the gas station and needed {$20.00} if I could spare it. I thought nothing of it because this person knew we worked together and even knew my name. I sent the {$20.00} through XXXX and she said I will send you the money back in 10mins. I received another text from XXXX stating XXXX XXXX has sent you {$200.00} and will be deposited tomorrow to card ending in XXXX ( they had my card ) so I believed it and sent {$180.00} since I thought it was an over payment, which I have done before. Today I decided to reach out to my co worker just to confirm because I did not see the money deposited and found out she never reached out to me.
Product: Checking or savings account

In XX/XX/XXXX, I received a printed advertisement via US Postal Mail from Fifth Third bank advertising a {$250.00} checking bonus when opening a new XXXX Checking account and making direct deposits totaling {$1000.00} within 60 days of account opening. 

I opened a XXXX  Checking account online via XXXX on XX/XX/XXXX and made a direct deposit of {$1000.00} on XX/XX/XXXX, thus meeting the criteria for the {$250.00} checking bonus. 

I contacted Fifth Third customer service via phone on XXXX to inquire as to when I would receive the {$250.00} bonus, however the customer service representative that I spoke with said she was unfamiliar with this promotion and " did not see any promotions on ( my ) account ''. I read her the offer code printed on the mailer I received ( XXXX ) and she was then able to verify the promotion and advised that there was a glitch in their system, but that I would receive the {$250.00} bonus by XXXX. 

On XXXX, I had not received the {$250.00} bonus so I contacted Fifth Third customer service again, this time via online chat. The representative again told me that they did not see any promotions on my account. I explained that I had already spoken to customer service and determined that there was some sort of glitch in the system, however the customer service rep told me that since the promotion was not " showing on ( my ) account '' there was nothing they could do. 

On XX/XX/XXXX, I contacted Fifth Third customer service by phone again. This time, the customer service agent told me that I would need to visit a Fifth Third branch for additional support. I do all my banking online, opened the account online, and visiting a Fifth Third branch would be inconvenient and I do not wish to pursue that option.

I assert that I have met all conditions of the offer Fifth Third sent to me, however by not paying the advertised new account bonus, Fifth Third Bank has failed to honor the terms of the offer they sent to me via US Mail.
Product: Mortgage

My account is with BSI FINANCIAL # XXXX I have been having ongoing problems with them trying to increase my payment in multiple ways. 
I recently noticed that they added a coded charge to my account I called BSI to inquire about the charge and they explained that the charge was placed because I needed an additional XXXX coverage on my Flood Insurance policy. 
My current coverage through my insurance company is XXXX which I carried on my loan before BSI bought the loan of XXXX my balance is now XXXX I also have concerns about about their interest charges are higher than the corresponding values on the balance on the loan according to the amortization table I will be happy to provide you any required information Thank You XXXX XXXX XXXX XXXX XXXX XXXX Court XXXX XXXXXXXX XXXX  XXXX
Product: Checking or savings account

I reached out to the company in XXXX when I got the mail that my account was negative. They only kept advising me that the fund where with drawn. I advised that I dont leave money in the account why would I withdrawl money from it. None the less the account was suppose to be set up that it would not allow funds to be pulled or withdrawl if the funds are not there so I would not have any kind of NSF fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One Auto Finance - Account XXXX, has violated my rights. ~ 15 USC 1681 Section 602 states I have the right to privacy. ~ 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. ~ 15 USC 1666B : A creditor may not treat a payment a payment under and open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding the denial of securities by XXXX c/o XXXX, which I believe constitutes a violation of my rights under the Equal Credit Opportunity Act ( ECOA ). Recently, I submitted a registered security to XXXX XXXX XXXX, as per their requirements. However, my application was denied based on information provided by Experian. It is pertinent to note that this denial occurred despite my XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX which should not be grounds for refusal of access to my securities. I firmly believe that denying access to my credit, particularly in the context of securities transactions, constitutes a form of security fraud. This action directly contradicts the principles outlined in the ECOA, which mandates equal access to credit without discrimination based on factors such as race, color, religion, national origin, sex, marital status, age, or because the applicant receives income from a public assistance program. I am seeking compensation for the denial of my securities by Experian. I believe that such compensation is warranted given the violation of my rights under the ECOA and the inconvenience caused by the denial. Furthermore, I urge the CFPB to investigate this matter thoroughly to ensure that such discriminatory practices are addressed and prevented in the future. It is imperative that financial institutions uphold the principles of fairness and equality as mandated by federal law. Thank you for your attention to this matter. I kindly request acknowledgment of receipt of this email and any necessary steps for addressing this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of unauthorized inquiry reporting and this is another request to eliminate the items from my credit file resulting from unauthorized inquiry reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any items no later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous complaint & I am including it again. Additionally, the information you provided on these items are UNKNOWN to me and DELETED from other bureaus, which leads me to question their accuracy : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This communication serves as your last warning. If you do not expunge the listed items from my report, I will initiate legal action. I have briefed my attorney on my intentions, and they are ready to hold you accountable for any willful noncompliance. Please expunge the items resulting from an unauthorized inquiry reporting. Thank you for your prompt attention to this serious issue.
Product: Credit reporting or other personal consumer reports

I didnt give these companies the approval of these inquiries
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible XXXX XXXX  XXXX XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan that was closed by XXXX XXXX  i was in XXXX  and this finance company 's collection agency filed fraudulent judgements saying they served me but i was XXXX  and no one  in my family ever heard from XXXX XXXX  nor collections agency. I sent demand letter to XXXX XXXX collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

theirs a creditor I C Systems on my credit report that i had to get credit repairs to remove i was a victim of identity theft that is why this item was removed from my report before this is not mines
Product: Checking or savings account

i am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

This account Was Paid in Full XX/XX/year> and upon payment of {$350.00} creditor agreeed to deleted from credit report. From my understanding this is against the Law according to the Fair Credit They stated that it will be deleted from credit report and the negative marks. 

Im asking it get removed now as it is breaking my consumer Rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX 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: Money transfer, virtual currency, or money service

Cash app, taking and missing money. There never anyone to talk with customer service. Taking money for service without permission, stc
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my disputes, to Experian with Tracking via USPS. USPS Verify your identity, when you pay for postal with a card. Somehow, I received a Stall letter. to extend pass the 30-day mark claim my disputes were suspicious even though there were the same as the last 6 disputes.

15 U.S. Code 1681e b ensures accuracy from federal law. 15 U.S. Code 1681i5A states after reinvestigation all inaccurate information must be promptly removed.

willfully and intentionally neglectful in reporting inaccurate information, this account was recently disputed without being thoroughly investigated. 



From Experian XXXX XXXX, We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validatedispute or call us at XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. 
Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here!
Product: Credit reporting or other personal consumer reports

These accounts listed are continuing to violate my rights as a living being. I have disputed these accounts several times before and requested that they cease and desist all communication and collection activities including communicating to me through credit reporting agencies. I have received a 1099-C from ( CANCELATION OR DISCHARGE ) Synchrony for each of these accounts listed below. Per IRS rules, these accounts are considered income and income is not reported on credit report. I'm trying to balance my books but Synchrony has made me victim to trafficking and using debt bondage to enslave me. I also rescinded portions of contract which includes rescinding any authorization I may have given to report any negative activity to credit report, rescinding security interest I may have given, rescinding any rights and titles I may have given up. I am going to file an arbitration claim with FINRA and file investigative complaints to SEC and IRS and XXXX. Per 15 U.S. Code 1681b a report only includes information by written instructions by the agent or principle of the credit report. FCRA 15 USC 1681a also states that credit reports can not have transaction history between consumer and person making the report. 

PayPal Extras Mastercard Account Number Ending in XXXX PayPal Credit Account Number XXXX in XXXX Ashley Furniture HomeStores/SYNCB Account Number Ending in XXXX Amazon Store Card Account Number Ending in XXXX Lowes XXXX  Card Account Number Ending in XXXX
Product: Checking or savings account

I applied for a XXXX XXXX loan directly with XXXX and was approved for Economic Injury Disaster Loan ( EIDL ). XXXX funded my bank account, Pentagon Federal Credit Union on XX/XX/2020. Since then PenFed is holding my funds and have blocked my account due to having XXXX loan deposited into personal account. However XXXX had no problem depositing those funds into my personal account since it is a disaster loan. I have called and emailed PenFed several times explaining that my XXXX XXXX was impacted by Covid 19 and the funds needed to help my XXXX  to survive, I was asked to upload my XXXX  documents as well as proof of identity. I have provided Penfed with every single document theyve asked for. However the funds are still not available to me.
Product: Credit reporting or other personal consumer reports

PER XXXX THEY MEET THE FCRA REQUIREMENT. AS A CONSUMER I DISAGREE BC I DID SUBMIT A LETTER REVOKING ALL AUTHORIZATION PER 15 USC 6802. THEY ARE NOW IN VIOLATION OF THE FEDERAL LAW. 

FURTHERMORE ALL CREDIT BERAUS ARE IN VIOLATION OF THE PRIVACY ACT OF 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items found within my credit report that I listed on the attached FTC report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and unauthorized inquiries. All is being investigated by the FTC. Please see the attached report along with the Equifax data breach claim and remove the following accounts and inquiries from my credit report.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Savings Bank is reporting a debt on my file that I do not owe. During this time, I opened an account and ended up getting XXXX from XXXX to XXXX. Under the Sailors act this debt is voided and must be removed from my credit file. Reporting it is unlawful and a violation.