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

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 : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I WILL FILE A COMPLAINT.. As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, D.C. XXXX, Law Firm XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX, State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agency,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX  { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX XXXX
Product: Student loan

I have been sued and now my wages are being garnished for this private student loan. I am not even sure how much I have recieved many many years ago. Now the company is saying I owe them XXXX in which the interest keeps applying I am just paying interest daily. I will never be able to pay off this loan be cause the principal isn't being paid on. I believe my state statue is been up a very long time ago and I haven't seen any paperwork that proved they have bought my case. I believe this company is just getting my money and not allowing me to see any documents. 
I would like this matter to be checked into further please.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equitable Acceptance Corporation fraudulently obtained my information from the XXXX XXXX company. Both XXXX  XXXX and the Equitable Acceptance Corporation contacted me in correlation to my student loan debt which are through the XXXX XXXX XXXX. After further research, both companies have proven to be fraudulent and are in no way associated the Department of Education and the repayment of my student loan debt. There has been an inquiry and " credit card '' balance added to my credit report, which has drastically degraded my score. These companies knew that they made false accusations to obtain my information and could not resolve my student debt. They have produced false documentation and false information under my name.
Product: Debt collection

I have provided this company with the necessary documents showing I was a victim of identity theft. I received a letter on XX/XX/XXXXXXXX  advising me that they were unable to substantiate the allegations in my dispute but didn't provide any more details. I called the phone number listed on the letter XXXX, which states the company name and says please hold repeatedly. I have not talked to anyone verbally, as this phone number does not connect you to a human being. This account is a fraudulent account. Their documentation sent in XXXX of XXXX does not show any identity verifications that shows I legally purchased this vehicle. There is not a copy of my drivers license, check stubs, bank statements or any other factors that proves I purchased this vehicle. Only documents showing a signature that was falsely signed. When purchasing a vehicle, by law, you have to provide proof of identity. Please show me a copy of my drivers license and income verification documents that was used to complete the purchase of the vehicle.
Product: Credit card

I took out a credit card and was declined for it. I never used it. 
XXXX  months later I started getting a new membership fee that they will not waive. 
I never even received the credit card from them and never activated it. 
They keep harrasing me for the fee. HELP
Product: Credit reporting or other personal consumer reports

Despite two requests for debt validation submitted through the CFPB, XXXX XXXX XXXX has failed to provide the required documentation to substantiate their claim and validate the alleged debt. They continue to report this unvalidated debt to consumer reporting agenciesTransUnion, XXXX, and XXXX violation of federal law. Please see attached.
Product: Checking or savings account

On XX/XX/XXXX I have presented Suntrust promotion bonus {$200.00} and {$500.00} to the banker who opened two brand new checking accounts ( one business checking account and one personal checking account ) as the new accounts conditions. By the end of XX/XX/XXXX I have completed business checking account promotion requirements : accumulated deposit {$1500.00}. However until now XX/XX/XXXX under my numerous times requests, Suntrust never paid {$200.00} bonus plus penalty. Since XX/XX/XXXX I have sent {$5000.00} per month request for money to the debtor such as XXXX XXXX XXXX county Maryland, U.S. Department of Health and Human Services, IRS etc to collect debt by using XXXX - the electronic funds transfer. I kept requesting money from XXXX to XX/XX/XXXX every month. Except for this, I also sent several emails to Suntrust and other financial institutions such as XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX to return my stolen funds {$9800.00} plus all fees from XXXX XXXX  XXXX and {$68000.00} plus all fees from XXXX XXXX XXXX as well as additional stolen funds {$750.00} plus fees from a third party company. Please see my previous CFPB Complaints. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have visited Suntrust Bank three times in person to demand promotion bonus {$700.00} plus penalty for illegally withdrawal client funds {$20.00} for six times. Under my numerous times requests, {$700.00} bonus and penalty for illegally withdrawal client funds {$20.00} ( six times ) never paid. The other issues such as mobile deposit can't be used. Therefore I am asking Suntrust to pay all listed above immediately. Please contact me for attachment.
Product: Debt collection

ARS is claiming that I owe them {$1700.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Correction to my personal information Dear Experian, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address and names off my personal record. 


Incorrect name : XXXX XXXX XXXX XXXX name : XXXX XXXX XXXX Incorrect address : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX Incorrect address : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, FL XXXX XXXX, XXXX XXXX.
Product: Debt collection

I was called every day by Comenity Bank regarding debt collection. I would like them to stop contacting me.
Product: Mortgage

The lender Santander bank every XX/XX/XXXX of each month automatically withdraw mortgage payment and escrow amount from my bank account to pay property tax. However I got a demand of payment letter from the town in XXXX asking for fiscal year 2018 property tax payment with a demand fee of {$5.00} and interest charge through XX/XX/XXXX of {$12.00}. The demand fee and interest charge ( due to late payment of property tax ) were caused by the lenders negligence, not because of my failure of payment. I contacted the lender with a call and followed up with an email on XX/XX/XXXX to resolve the issue and asked the lender to pay the demand fee and interest charge ( for late payment of property tax ). The lender did not respond or contact me at all as of today XX/XX/XXXX. I also got another letter from the town for another interest charge of {$33.00} ( due to the late payment of property tax ). I requested The lender be responsible to pay property tax on time and also be responsible for any additional cost such as interest for late payment of property tax in total of {$46.00} and the demabd fee of {$5.00}. I request full refund of XXXX
Product: Money transfer, virtual currency, or money service

Yesterday a customer purchased and item on XXXX and then cancelled order and paypal issued a full refund to customer but deducted XXXX cents from our business. When we called Paypal this morning, we were informed we were charged a processing fee for the transaction, and from now on we will be charged the entire service fee XXXX {$2.00} for this transaction, who knows for next one ) as a processing fee. We are just sitting here running a business and had no part of the process and was charged XXXX this time but going forward the entire service fee to the business is very unfair business policy.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc . ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) specifically, cashapp failed to take timley 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 or other personal consumer reports

Reporting unverified information on my credit report. 
Refuse to validate
Product: Vehicle loan or lease

I have a car that my husband & I purchased back in XXXX with Citibank as the Lien holder. The vehicle was paid off in XXXX. We never received the lien release from Citibank and they are still on our title. We have tired effortlessly to contact them but no one was able to help us.
Product: Credit card or prepaid card

I was a Citi Double Cash cardholder in good standing for several years, and received a promotional offer in the mail in XXXX of 2019 advertising a {$400.00} bonus and and a 0.5 % increase in my cash back bonus ( which was already 2 % as standard ) if I opened a Citi checking account, deposited {$15000.00} within 30 days, and maintained that balance for 60 days after account opening. I did deposit {$15000.00} within 30 days, and I have maintained it to this day. 

When the 60 days passed, I contacted Citi 's credit card and customer service branches trying to figure out why my bonus had not posted and why the cash back percentage was still 2 %. The credit division claimed it was a banking problem. The banking division claimed it was a credit card problem. Finally, after hours on hold, online, and on the phone, someone said the credit card bonus was active, but the website just didn't show it. I had given up the bonus as a loss to a scam until I read on XXXX that it is normal to have to file a CFPB complaint to get Citi to pay out their bonuses ( XXXX : XXXX Citi CFPB ). 

My checking account is still active, as is my double cash card.
Product: Debt collection

Law office of brett m. borland has called me for a debt that i owe to XXXX XXXX XXXX XXXX. In the amount of XXXX and had threatened to garnish my wages for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Mortgage

My father XXXX XXXX XXXX owned the property at XXXX XXXX XXXX XXXX, MA XXXX. He passed away on XX/XX/XXXX and left no will. I worked with a lawyer to get everything turned into my name and started to begin the process of dealing with the mortgage company Nationstar ( now Mr. Cooper ) I currently reside in the house with my niece age XXXX. I had no access to accounts for my father until after his death and in XX/XX/XXXX I contacted the mortgage company to get the ball rolling on paying back debt etc. I had my fathers insurance settlement and was able to pay the mortgage at this point including the back due amount. I was unable to speak to anyone directly as they stated that they didnt have the proper paperwork. I contacted my lawyer and had her send paperwork over. Lawyer is XXXX XXXX of XXXX, MA. I was still delayed for months and in XX/XX/XXXX got a check for past due amount and mailed this over to mortgage company as someone told me to pay it and they will talk to me. That check was never cashed. I cancelled that check in XX/XX/XXXX and on XX/XX/XXXX mailed another check with amount past due. I tried repeatedly to contact this company, on hold for hours on end. I was switched to multiple agents handling my account and any direct line to them left me to a voicemail which i got no call back, EVER. It was not until XX/XX/XXXX that I was finally able to speak to someone as they didnt realize that my fathers name and my name were the same- they had the proper documentation in front of them all along. I asked what I could do as I was willing to take over the loan and apply for a modification. I asked for information to be sent and by XX/XX/XXXX still had not received documents. I got a call from a collector and was finally able to get documents needed to apply for a modification in XX/XX/XXXX and faxed them out around XX/XX/XXXX. I heard nothing back. I have received no certified mail, I just get bills with my mortgage past due owed. I am now in foreclosure and am able to make the payments but no one will work with me. My foreclosure date is set for XX/XX/XXXX. I did not even get any notification in the mail that this was happening, but rather heard from family who saw it in the paper. This company has swooped down on a XXXX mans house and I am trying to protect myself and my niece ( who is entitled to 25 % of the house. ) I just want to pay my mortgage and get back to normal, but this has become crippling to me as I have been given the runaround for over a year now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX CBNA Attn : Credit Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue.

I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a loan to consolidate my debts 3 credit cards 1loan total of what I thought was around XXXX dollars now this company Beyond Finance said they could help me but the interest was going to be very high. so if I wanted to get on this program they have I could get a very low interest. well I said that is what I want so we signed the paperwork and set up payments direct deposit from my bank account I trusted them but 3 mouths later I find out it was not a loan but some other tipe of consolidation I called them because I was still getting bills from the card company 's my credit score was in the upper XXXX I was not in default and a perfect payment report I just wanted a loan to make everything into one payment. This company scamed me
Product: Checking or savings account

On Saturday XX/XX/XXXX I used a atm machine to do a withdrawal and did not receive my money, I am requesting a dispute and refund of my money that I did not receive at the ATM machine on XX/XX/2019 around XXXX XXXX I went to the chase ATM machine at the corner of XXXX XXXX and XXXX XXXX to withdraw money out of my account. I initially tried to withdraw XXXX but the bank ATM machine told me that I had exceeded the limit allowed, so I try to withdraw {$540.00} and proceed with the transaction when I Selected to print the receipt and the get cash, the window that the cash is disposed out of did not open and I did not receive money or a receipt for that transaction I begin to do the Transaction again because I did not believe this was happening I tried tseveral times and nothing came out. I did another is a separate transaction for {$80.00} and the same thing happened.I did not receive any money from the Chase ATM machine that is on the corner of XXXX  and XXXX XXXX, I am requesting a dispute and a disbursement of my {$620.00} back. I Call the number on the ATM machine to speak with someone at Chase customer service and they express they could not do anything until I speak with my bank, this experience has cost me a great deal of stress and inconvenience me to where I can not pay my rent and my bills that is due today! 
On Monday I went back to the branch to speak with a manager and the manager also informed me that there was nothing that he could do and gave me his business card to contact customer service again,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXXXXXX -- -- ->Date Opened -- -- -- >XX/XX/XXXX XXXX XXXX XXXX : XXXXX -- -- ->Date Opened -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XX/XX/XXXX XXXX XXXX XXXX : XXXXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX -- >Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX I -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX  XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX  -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX  -- -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX  -- -- -- >Inquiry date -- ->XX/XX/XXXX XXXX -- -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XX/XX/XXXX XXXX XXXX -- -- -- >Inquiry date -- -- >XX/XX/XXXX XXXX -- >Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX -- -- -- -- >Inquiry date -- -- >XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, 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 validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus