23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - STATE OF MI OFFICE CHIXXXX XXXX : {$70.00} XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired onXXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired onXXXX XXXX  XXXX XXXX XXXX MOR Inquired on XX/XX/XXXX XXXX XXXXInquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXInquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My company purchased two trucks. The loans, titles, contracts, etc. are under the company name. I'm NOT a cosigner. 

They are reporting on my personal credit reports. 

The accounts were closed months ago, and still they are reporting on my credit reports, when they shouldn't even be reporting on my credit reports, because I'm not the account holder. 

The accounts are reporting late, when the loans have NOT been late. Never. 

I've been trying to get it fixed for years. They always tell me that they are gon na fix it. But they never fix it. 

They have sent me emails saying that they will fix it, and they made a mistake, but they never do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Credit Reporting Agencies XXXX, Equifax and XXXX have furnished false and deceptive information without my consent. I did not authorize nor did I benefit from the reporting of these accounts and unknown inquires. Congress already found and declared that they have assumed a vital role that they do not have and that they shall exercise their grave responsibility with fairness and impartiality. They must respect the consumers right to privacy, and confidentiality. This information is not fair and equitable to me the consumer and I am requesting you update the information to my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, {$3000.00} Representative stated to me that paid off balance will be reported as {$0.00} agreed upon because of my fast payment. United Auto credit corp did not have my permission to run my credit threw different lenders for approvals.
Product: Debt collection

I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA.

15 U.S. Code & 1692c prohibits debt collectors from communicating with third parties in connection with debt collection. Law States : If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Checking or savings account

Both our online checking and savings accounts with Citibank were hacked into the night of XX/XX/XXXX. A fraudster posing as a Citibank XXXX first called our son, then got us on the line. Using XXXX, he managed to empty our checking and savings accounts first. 
Then a personal loan was immediately opened in my name, and that money was also sent out through XXXX. 

XX/XX/XXXX : the following transfers were made to XXXX : {$2400.00} {$2400.00} {$2400.00} XXXX : {$2500.00} {$2400.00} {$2500.00} {$2400.00} {$2400.00} {$1200.00} Also, on XX/XX/XXXX, they opened a personal loan thru Citibank under my name for just under {$7000.00}. 

Our entire savings account and checking accounts with Citi were emptied, and this personal loan was also spent. I spent countless hours calling Citibank on Saturday XXXX, trying to figure out what had happened. Finally on Wednesday, XX/XX/XXXX, again after being transferred from numerous Citibank departments, I was connected with Disputes. It was then we were informed that the " initial Citi XXXX XXXX '' had been the one perpetuating all of the fraud. Obviously I was sickened to hear that we were scammed this way. We are not wealthy people by any means. I then had to file dispute charges on every XXXX charge that had been put through, and was told it could take up to 45 days to have resolution on this case. Also no guarantee that these funds will be restored to us. 

I was also told that I had to contact the Citibank loan department separately to dispute the personal loan taken out in my name. That was more hours spent on the phone being bounced from department to department. Finally on Friday XX/XX/XXXX I spoke to someone in personal loans who said an identity theft package would be mailed to my home hopefully within a week. So in addition to losing all of our money, I am now being held to repay a loan of {$6800.00} that was granted in my name to these criminals. 

Citi did " provisionally '' reverse {$4900.00} of the above XXXX transactions to our account. But we have no idea what that means, and can't spend money that XXXX be taken away from us yet again. 

We are just beyond ourselves that nobody at Citibank or XXXX caught all of this suspicious activity going on. And of course I am very embarrassed that I was taken in by this scam, I thought that I was a much savvier consumer. These crooks were very sophisticated, calling from a XXXX number, sending " Citi '' security codes and texts " reversing '' the XXXX charges to our accounts, etc.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must DELETE these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be DELETED for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One 's systems disable my email account and was not sending notifications. I rely on these notifications for making payments and getting information about charges. The previous month I had problems and called but was assured all was okay. I then had another late payment and called again to find out why the email notifications on this account were not working. The technical team got to the bottom of it and it was Capital One 's systems that disabled my email. They assisted in unblocking my email. But I was charged another late fee of XXXX on XXXX/XXXX/XXXX. I then decided to setup auto payment because the Capital One systems were not reliably sending out account notices as they assured customers that there were doing.
Product: Mortgage

I was working with XXXX XXXX XXXX. I received a packet from the mortgage Co. Specialized Loan Servicing LLC Saying they had approved us for a Standard Modification. 
The interest rate was suppose to be lowered and it 's still the same. The payment only went down about {$200.00}. I am disappointed about it too because they said that it would be about {$600.00}. - {$700.00}. monthly payment. Now it 's XXXX. And after the end of the payments we 'll owe a Balloon payment of {$76000.00}. I am not understanding this. Need a lawyer.Which I do n't have the money for.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

First, some feedback to the CFPB regarding your complaint submission webpage : The options listed on your website does not include the subject for my actual complaint. Therefore, I selected options that would eventually take me to this complaint narrative. As a suggestion, it would be nice for situations such as this if your online complaint webpage were to include an " Other '' category. 

-- -- -- -- -- -- -- -- -- CONSUMER COMPLAINT SUBJECT : Chase Bank Marketing Harassment My complaint concerns Chase Bank. I am not a Chase Bank customer, NOR will I ever become a Chase Bank customer. However, I am very frustrated by Chase 's aggressive marketing tactics. I would describe it as " Marketing Harassment ''. 

Chase is relentless in sending postal mail solicitations. Their tactic appears to be to flood your mail box with these solicitations to beat the consumer into submission to open an account so that the consumer will finally receive relief from these mail outs. I recall that at one time the frequency I was receiving these solicitations was about once per week. Over the course of a year this really adds up. It is also an extreme waste of natural resources, thereby being environmentally detrimental due to what has to thousands of tons of paper that they likely consumer annually for their overall mail solicitations across the country. Additionally, it certainly wastes my time in having to shred this " junk mail '', which is very frustrating. 

It took me having to make numerous phone calls over a three year period to finally get them to stop mailing me solicitations to my home address as well as my P.O. Box. These postal solicitations were addressed directly to me by my name. I believe they finally ceased doing this in late XXXX or early XXXX. 

However, this year they started mailing me these solicitations once more, though they are now addressed to " Our Neighbor '' at both my street address and my P.O. Box. 

I contacted Chase customer service this evening to request these mail solicitations be stopped. However, based on past experience I do not trust that Chase will do so. I am also equally concerned that if in fact they do stop sending this current batch of solicitations, that some time in the future they will simply start up again by addressing them instead to " Current Resident ''.

One question that most consumers who have experienced a similar excessively high volume of direct mail solicitations might ask is " How many times and over how many years must a consumer fail to respond to a financial institution 's direct mail solicitations before the financial institution finally gets the hint that the consumer has no desire to do business with them? 

I am simply tired of Chase 's marketing harassment, and I desperately want it to stop once and for all. Therefore, I am seeking your assistance to make sure this will happen. 

Thank you for your assistance!
Product: Debt collection

XXXX XXXX XXXX XXXX under the creditor XXXX XXXX has been contacting people that I am not associated with anymore and leaving messages that I will be sued. I contacted XXXX  directly in XX/XX/XXXX and let them know of my circumstances and repeatedly told them not to contact the phone numbers they had listed. I NEVER authorized them to contact my ex-husband, ex-mother in law or step mom. 

They call over 5 times in a day and my ex husband is also getting messages saying that if we do not contact them with a lawyer that they will have no choice but to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau named in this claim is in violation of a legal document of ( common law copyright notice ) and are subject to penalties under law.
Product: Debt collection

I recently pulled my credit report with XXXX and XXXX and saw that reported me as a collection account. I immediately disputed this information with XXXX and XXXX. I unaware of this collection account and paid XXXX directly. I have written letters to DCI on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. They responded by updating the pay date to the date that I paid XXXX. I have asked for verification of this debt and the disclosures sent to me under FCRA but to no avail - I have received no response. They are in violation of the FCRA because they will not verify this debt or provide proof of disclosures. 

I have requested an investigation by DCI but to no avail - they have not answered me at all.
Product: Money transfer, virtual currency, or money service

I made a bank transfer on XX/XX/2020 for { {$400.00} } through my account at Wells Fargo via XXXX to an account owned by XXXX XXXX XXXX  XXXX XXXX For the payment of a debt. 

The transfer was successful under the number XXXX, The money was debited from my account but XXXX XXXX, owner of the account to which I sent the money did not receive it. 
Call the bank to file the claim on XX/XX/2020which gave me promise to give me a temporary credit if in 10 days they did not give me solution to case case number XXXX, after a few days I went to the bank agency and nobody gives me answers or proof that the money was delivered to the recipient After about 10-15 calls the operators give me different information, some tell me that the case is closed and others not. 

I hope you can return my money shortly.
Product: Money transfer, virtual currency, or money service

I am filing a complai it against Cash App ( Block, IncXXXX XXXX XXXX to XXXX XXXX ) XXXX XXXX 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 a XXXX was unfair and veceptive, as they afd not '' KY 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: Money transfer, virtual currency, or money service

XX/XX/2023 I paid {$5.00} apiece to my account at XXXX XXXX XXXX  from my Cashapp account. The company never applied my payment to my account or refunded me my money. I called twice no answer the third time a lady answered. She verified who I was & my account.. When she asked how can she assist me I told her how I paid my money & Im waiting on it to be applied to my account. She hung up on me. I called back once again.. No answer. So I notified Cashapp informing them what just occurred.. The placed fraud on both accounts but arent able to make the company refund me. I want my {$10.00} back. Thank You!
Product: Money transfer, virtual currency, or money service

Back in XXXX I sent 2 XXXX payments XXXX XXXX! She has A chase account I have XXXX  my complaint is with Chase fraud service! 
XX/XX/2020 I sent her XXXX conf. # XXXX Chase blocked the transaction but hasn't returned my XXXX as of XXXX XX/XX/2020 I sent the XXXX again conf. # XXXX it was blocked again! Chase still has not returned this XXXX! 
She has talked to them I have talked to them multiple times as well! There response was well we have up to 45 day to return the money! Company policy! Not good since it was a XXXX transaction it should've been returned immediately! I am still waiting for my money to be returned! How do I give them a negative mark on their credit for nonpayment?
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with an amount balance of {$15000.00}.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Experian, XXXX, XXXX, and the CFPB Subject : Ongoing Failure to Investigate Disputes and Enforce FCRA Compliance Escalated to Florida Attorney General and Media Complaint : I am filing this formal complaint against Experian, XXXX, XXXX, and the Consumer Financial Protection Bureau ( CFPB ) for their continued failure to properly investigate and correct inaccurate late payments reported on my credit reports for the following accounts : XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  For over two years, I have submitted numerous disputes to all three credit bureaus and provided substantial documentation proving that these 10+ late payments are inaccurate. Despite my repeated efforts, the credit bureaus have failed to properly investigate or correct these errors, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have filed multiple complaints with the CFPB and sent certified letters directly to the CFPB CEO, yet no meaningful action has been taken to enforce compliance with federal law. The ongoing CFPB lawsuit against Experian further confirms that credit bureaus are not being held accountable for failing to conduct proper dispute investigations. 

Due to the continued inaction and failure to protect my rights, I have already sent a certified letter to the Florida Attorney Generals Office and have contacted media outlets in Florida to bring attention to this situation. The mishandling of this matter by the credit bureaus and the CFPB demonstrates a clear failure to enforce the consumer protection laws that are meant to safeguard citizens in the state of Florida. 

These actions violate the following provisions of the FCRA : 1. 15 USC 1681e ( b ) : Failure to ensure the maximum possible accuracy of the information reported. 
2. 15 USC 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation of disputed information. 
3. 15 USC 1681c ( a ) : Continued reporting of inaccurate and unverifiable information. 

The late payments reported are also inconsistent across the three bureaus. Experian reports fewer late payments than XXXX and XXXX, further proving that none of the bureaus have conducted proper investigations.
Product: Money transfer, virtual currency, or money service

On XXXX of XX/XX/2022, My paypal account got shut down without any warning whatsoever..just out of the blues I received an email informing me that my PayPal account has been permanently closed. They said the reason for closing the account is because I had continually filed cases that do not align with paypaos 's buyer protection policy. This was clearly a mistake because my account has not filed any single case since ir started operating so I was quite shocked. Paypal email address is " XXXX ''.
Product: Debt collection

On XX/XX/year> I received a call from American Express on the recorded line attempting to collect a debt to which I am in a quandary about this account.I was never send a validation notice, I was never told the amount alleged to be owe or even given a chance to dispute this debt. Plz provide to me Actual proof this letter was sent because i know it was not and you are being misleading and deceptive to which is another violation of my right. Once again you are in violation of U.S.C. 1692g ( a ) Under the FDCPA,. Plz send me actual proof that this company followed the FDCPA and send me out a validation letter.
Product: Credit reporting or other personal consumer reports

American Express opened up an account in my name utilizing information that I did not give them approval to use. I have complained on numerous occassions and they keep responding with letters stating that they tried to get in contact with me but they had no luck so they refuse to close the fraudulent account FTC Affidavit and police report are attached
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

I was contacted about a debt on a XXXX XXXX XXXX bill. 

I handed in my XXXX XXXX XXXX modem and box to the store and confirmed my bill was settled on the account. 

Credit Management sent me a bill for this. It now has been reported on my credit report as an uncollected debt. It has lowered my credit score by greater than 100 points. 

How can I get this removed?
Product: Mortgage

PNC bank debited my home equity account and did not pay off the other loan. 
It 's been a month now and I am stuck paying interest on XXXX {$25000.00} Home equity loans. 
They still have not paid the XXXX the amount they stated they would pay in XXXX this year. They insisted they paid but would not provide me with a receipt of payment. There are emails where I asked for proof of payment and did not ever receive a reply. Also recorded phone call by PNC bank. 
They also refuse to credit me for the months worth of interest I paid last month.