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

I sent you an FTC report on XX/XX/XXXX about these fraudulent inquiries and you refused to remove them which is against the FCRA. If you do not remove these inquiries, I will be seeking an attorney I know my consumer rights and your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. *** I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FUTURE STALL STATICS FROM XXXX. 

Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I just want to start off this complaint just reiterating that this is a complaint against ELAVON in conjunction with US Bank. There was a promotion that was offered to me that was not fulfilled. 

I am writing to you on the behalf of a recent Complaint I filed against US Bank via CFPB regarding my issue with a promotion when opening a new bank account back in XX/XX/2023. I had signed up originally for a US Bank Silver Business Checking Account with XXXX XXXX Checking + Merchant Offer with code : XXXX. This offer was explicitly advertised by US Bank and I was walked through setting up my account with a XXXX of US Bank where he verified every single painstaking detail question I had in order to qualify for both promotions as part of this offer. 

The promotion entitled me to a {$500.00} bonus after 60 days depositing and maintaining a {$3000.00} balance, and this part of the promotion DID get deposited into my account on XX/XX/2023. So, that part of the promotion did successfully get to me. However, the second part of this promotion entitled me to a {$600.00} bonus on top for opening a Payment Processing Account through Elavon and making a transaction of at least {$50.00} deposited into the same Silver Checking Account. This I did not receive and US Bank responded to my complaint claiming that there was no {$600.00} promotion for this. Wellthere was and there is and I specifically signed up for US Banks accounts with this in mind because I was making a business decision and trying to choose a new payment processing solution anyway. 

US Bank claims to not know of the promotion, but is attached to this complaint and this version of it was actually sent to me by an agent explaining that according to records I DO qualify for the bonus and it should be deposited into my account. It has not been.
Product: Checking or savings account

So I went to TD Bank drive thru atm at XXXX XXXX XXXX XXXX, XXXX, PA on XX/XX/2024 to deposit {$2900.00} in small bills. Because the atm only takes XXXX bills at the time I split it into XXXX. The first deposit went through and its {$1400.00}. The second one I put {$1500.00}. The atm machine kept counting about XXXX times and then the atm went down. I tried to canceled it to get my money back but the atm wont give it back. And instead asked me to write down the amount and I write down {$1500.00}. Couple days later I check on it and it showed me a correction amount for - {$1000.00}. Which means they took my money out for {$1000.00} on the next day on XX/XX/2024. I tried to disputed it twice by customer service but for twice TD Bank sent me a letter saying there is no errors. I was so confused because my money is {$1500.00} not {$410.00} and the atm went down right in front of my face and being forced deposit because XXXX cant cancelled it. I have my mom with me as an evidence. And the money is {$1500.00} for my second deposit. Please help me! Thank you so much!
Product: Debt collection

I went too get money from my bank account and seen that the amount I had wasnt there, I notified my bank they said a restraint was put in my account, they gave me the number I notified them, this is the second time they seized my account, I sent in proof that the monies in my account is from pension and unemployment, I sent them my award letter from both pension and unemployment but they still froze my account, spoke too them they claim I never sent any documents too them? I explained too them I have proof that I sent my award letters too them through fax and by mail, I dont owe these people anything! The entire building won the court case against the landlord, we were able too stay until or lease was expire, I never signed any new lease agreement saying I was gon na live there, I moved out before the new landlord took over the building! But yet shes filing judgement against me?
Product: Mortgage

I applied for a loan with Cardinal Financial. I was contacted by the loan officer XXXX XXXX who told me based on everything I was telling him and the documentation I provided him he was able to do the loan. I provided my paystubs and XXXX the day he requested them. He told me I was approved and collected {$450.00} for an appraisal. It was two weeks after the appraisal and XXXX stopped returning my phone calls or responding to emails. Finally in a text message he told me I have been declined for the loan. That was the last time he replied or responded to any attempt I made to contact him. 

I feel he misrepresented the likelihood of being able to refinance my mortgage or does n't have enough experience with the guidelines to know if he can do a loan. I was told I was declined due to debt to income problems, but all my income was provided to him as soon as I applied for the loan on day XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request specific details regarding the charge-offs that has been reported on my consumer report by XXXX XXXX XXXX XXXX XXXX and XXXX. Under the Fair Credit Reporting Act ( FCRA ), you have a duty to ensure the accuracy, integrity, and completeness of the information reported by the credit reporting agencies. I request that you investigate the accuracy of the information reported and provide verification of the following : 1. Date of First Delinquency Please provide the exact date on which my account first became delinquent with the above-listed entities.

2. Date of Last Payment Please confirm the date of the last payment made on this account.

3. Date of charge-off- Please confirm the date of charge off.

4. Complete Terms and Agreement I request a copy of the full terms and agreement of the contract associated with this account, including any signed documents that outline the original contractual obligations. 
Additionally, I request copies of any records or documents that support the reporting of this account, including any notices sent regarding the charge-offs. If any of the reported information is inaccurate or unverifiable, I expect its immediate removal from my credit report. 
Please consider this letter a formal request for information, and I require a response within 15 days from the date of this letter. Failure to respond within this time frame may result in further action to enforce my rights under the law.

You may send the requested information to the address listed above. If you require any additional details from me to process this request, please contact me promptly.

Thank you for your time and cooperation. Attached is proof of identification and account numbers
Product: Payday loan, title loan, personal loan, or advance loan

A security was submittedXXXX to this company 's Trustee ( Wilmington XXXX XXXX XXXX XXXX for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXX XXXX XXXX XXXX rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX XXXX  is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, I received a letter from US Bank indicating someone attempted to open a credit card using my identity from an unknown address. At that time I reviewed my credit report, saw no activity, but put a fraud alert onto my account. Recently, while applying for new credit, I noted a past due balance with late payment activity on my credit report from US Bank connected to this false address. I contacted the credit bureaus to dispute the activity. XXXX indicated they would not remove this activity from my credit report. I tried calling US Bank to dispute the report, but was put on hold and bounced from number to number for 20 minutes.
Product: Vehicle loan or lease

XX/XX/year>, over {$2000.00} including repo fee, no actions taken before repossession, had to call and find out for them to tell me they were calling the wrong number after contact information was updated.
Product: Mortgage

I am writing because as a client of XXXX XXXX XXXX, XXXX. and Quality Loan Service Corporation they claim to be able to have the right to foreclose by the California Declaration ( Civ. Code 2923.55 XXXX b ) ( 2 ) ). Their reason for this decision in the letter happened because they have already contacted the borrower to assess the borrowers financial situation and to explore options for the borrower to avoid foreclosure in accordance with the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ). However, prior to this letter I, the client, XXXX XXXX XXXX have sent out three previous Request for Mortgage Assistance Applications to XXXX  XXXX XXXX, XXXX, and Quality Loan Service Corporation in the result of having the only option to Short Sale. These Request for Mortgage Assistances which I have sent out in the past have also contained all of my contact information needed to be able to discuss the matters on my current finances, which concludes that there is no excuse to the absent amount of information needed to contact me on such matters. To conclude, the letter of California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) is in short, void because XXXX XXXX XXXX, XXXX, and Quality Loan Service Corporation was able to make initial contact with me and explore more options with me, XXXX XXXX XXXX from the time I sent out the first Request for Mortgage Assistance. 

Also, the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) they used was signed and dated on XX/XX/2019, which can not be used for my current Notice of Default which is dated XX/XX/2019. Therefore meaning, that both documents together are not legal and are void to continue forth with the procedures of foreclosure.
Product: Checking or savings account

I have been unable to close my SoFi XXXX, Active Investing & Crypto Investing accounts because my Crypto Currency account has a {$.00} balance which is below the minimumSoFirequires initiate a trade. I entered an order to " Sell All '' my Crypto Currency balance on XX/XX/XXXX butSoFicompleted the transaction leaving my account with a {$.00} balance. I have requested thatSoFiclose my account on four separate occasions but they have not closed my account because of the miniscule balance. My most recent request to close the account was on XX/XX/XXXX. On a prior attempt to close my accountSoFireplied ; We are not able to close the XXXX account due to the small balance. Since this is below the minimum needed to sell ( {$10.00} ), we have to work on a solution. Sorry for the inconvenience.
Product: Credit card

i paid a company called XXXX XXXX dollars in XXXX of 2014 on my citi master card. the amounts were XXXX XXXX and XXXX.i disputed these charges already with citi master card.same company and citi would only credit XXXX a fourth charge same company.the company closed down on me and i told citi this.citi also told me i only had one chance to dispute this and i could not update or change the dispute.i told citi repeatedly that i never received any service or product.i really dont think citi looked into this.how can citi credit XXXX charge for the same company and not the others.i really think citi mislead me.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

Equifax is ignoring my request to investigate and remove accounts from my credit report that do not belong to me.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I applied for bankruptcy. I did not follow through, do not have a judgement, never entered bankruptcy. Case was dismissed from the court on XX/XX/year>. Case number was XXXX. I would like this non-bankruptcy removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer with the right to privacy. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. XXXX  XXXX, XXXX, XXXX, EXPERIAN, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information and have I long ago contacted the creditor in writing and opted out off all communication regarding this account. The continued inaccurate reporting of this account shows that these companies have failed to adopt reasonable procedures which are mandated by federal law. Aside from the inaccuracies there are several experiences listed on my credit report that occurred between me and this creditor which violates the FCRA. Further, the IRS says that a charge off/cancelled dept qualifies as income, and I am supposed to receive a 1099-c from the creditor to claim my income, ( which this creditor has failed to provide ). Specific information regarding my income should not be advertised on my credit report. Lastly I have never received a bill statement from this creditor in a timely manner as required by law, yet until this account closed they continued to credit my account with late payment and additional charges. The negligence of these financial institutions have caused myself and my family extreme harm and anguish. These financial institutions have violated the following Federal rules and regulations 15 USC 6802- ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1666b- ( a ) by failing to comply with 12 CFR 1026.7 15 USC 1681- ( b ) 15 USC 1681a- ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( a ) ( 2 ) IRS Publication 4681 The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. These companies have made my life difficult in reporting this account for the for several years. Now it is XXXX and I'm not able to get my family what they need
Product: Checking or savings account

On XX/XX/year>, capital one restricted my withdrawals, because they said there were unauthorised transactions, but the truth is that that money was transferred between me and my friends to each other because of rent and grocery, and borrowing and repayment between us. 

They tried to verify my relationship with my friend and the transactions between us was using by XXXX, but they couldn't verify my friend 's phone number which he used for his XXXX account. My friend and I are XXXX XXXX and we are here for a XXXX XXXX XXXX XXXX XXXX. We only arrived in the XXXX XXXX XXXX XXXX 

I took immediate steps to call them for counselling and they sent me an email afterwards, then no more update from them anymore. 

transactions : On XX/XX/XXXX, my friend transferred me XXXX, XXXX and XXXX amount respectively, then I in turn transferred XXXX to him. 

On XX/XX/XXXX, my friend again transferred me XXXX as borrowing from him.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave XXXX, XXXX, or Experian any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  - XXXX DIVERSIFIED ADJUSTMENT - XXXX XXXX XXXX XXXX XXXXXXXX CAP XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$20000.00} ) & XXXX XXXX  XXXX Account No. XXXX ( {$46000.00} ) Credit Crop Solutions ( {$30000.00} ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX student loan defraud action after that school filed for bankruptcy. The Federal court ruled that all student loan debt associated with this school be discharged. I filed the necessary discharge paperwork with the Dept of Education in XX/XX/2019. 

The attached article -- https : XXXXXXXX - from XX/XX/2019 states that a federal judge rules last yer the the DOE delays in forgiving the student debt of defrauded students was ILLEGAL. The article points out that the Dept of Education continues to neglect pending applicatins now totalling XXXX and that NO borrower has had their request approved or denied in more than one year. 

Based on this information the three credit reporting bureaus should be deleting all my Federal Loans and XXXX XXXX  showing on my credit report as continuing to do so will put them in violation of a Federal Judge 's order  to discharge these student loan debts..
Product: Credit card or prepaid card

After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my  XXXX   XXXX  payment for the month it was declined because of the erroneous purchases. I paid best buy immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted   XXXX   XXXX   and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that   XXXX   XXXX   is acting UNREASONABLY, as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control. My account was also closed immediately following  one  delinquent payment.