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

XXXX XXXX  is reporting that my account is in forebearance which has a negative effect on my credit standing. This is contrary to H.R. 6321 Sec 112 ( b ) ( 1 ) which amends the Fair Credit Reporting Act to say : ( b ) Moratorium On Furnishing Adverse Information During COVID19 Emergency Period.No person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during the COVID19 emergency period
Product: Vehicle loan or lease

I had a lease with Santander consumer USA and the car came with a factory defect which the car had to be return and was lease with another company but Santander keeps charging me and bring me credit score down my solution is to remove this from my credit since the car is not in my ownership any more
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 Randolph brooks federal credit union, where transactions settled with insufficient balances aspite initially having adequate funds. I beleve these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ( XXXX ) XXXX I, XXXX XXXX XXXX was a victim of identity theft and needed to submit this cover letter with the required documents for confirmation of identity and fraud. 
There are multiple inquires on my credit report that are not from me. I need them removed ASAP. 
I have already submitted multiple letters trying to handle this problem. Below is a list of the documents that are attached to this letter. 

Copy of DL, SSN, FTC REPORT XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 1
5 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : XXXX XXXXL XXXX XXXX XXXX XXXX XXXX - REMOVE INQUIRY XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX, XXXX XXXX - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX, XXXX - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX, XXXX XXXX - XX/XX/XXXX - REMOVE INQUIRY XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX REMOVE INQUIRY XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX REMOVE INQUIRY XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX I HAVE THIS OPEN CREDIT CARD } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX XXXX
Product: Checking or savings account

Fraudulently transaction made on my account. My phone was stolen. The company or capital one doesn't want to assist me with this
Product: Debt collection

I had a earth quake loan that m & t bought .I have been paying the amount per month required. all of a sudden they they tell me the loan has matured and they want all of the balance. on XXXX i was sent back a XXXX payment the letter said the payment could not make account current.
Product: Student loan

On XX/XX/XXXX I enrolled in a program for XXXX at XXXX XXXX. Due to personal reasons I was forced to switch to the XXXX XXXX program and was still charged for XXXX classes. 
There was a very poorly handled situation with this program and I was forced to transfer to XXXX XXXX XXXX program on XX/XX/XXXX. I graduated from this program in XXXX. Although I did receive a certificate I have not been able to find work in this field. Employers see my certificate and know it is just that - a certificate. 
XXXX has no record of my enrollment in XXXX, but I was charged for a XXXX  class on my transcript. 
I believe that I am being charged for the XXXX program that I was not allowed to finish. The average tuition at the time was {$11000.00}, but I was charged over {$18000.00} and now have over {$20000.00} in outstanding Federal loans. 
The program education was not accredited and the credit hours were not transferable, of which I was not advised and the instructors rarely showed up for class. I never received any hands on training in the field, and subsequently was never able to find a job in the field. 
I never wanted to be a XXXX XXXX XXXX, but did want to be an XXXX   XXXX instead. In my opinion, XXXX XXXX has put me in a position of debt that is totally fraudulent. 
In XXXX I began trying to reach out to obtain transcripts from the program and while I received the transcripts it still does not explain why I was charged for classes for a program that I was not allowed to complete. 
I also submitted a letter to the US Dept of Education on XX/XX/XXXX and was never informed of the progress of my complaint.
Product: Checking or savings account

I feel discriminated against by NFCU because of my age. I have contacted NFCU making several inquiries regarding a credit card and they consistently require I speak with their security department with over 2 hours of hold time. I also believe I am being discriminated against because of my race.
Product: Credit card or prepaid card

I have 2 credit cards with Capital One, I have credit protection which should suspend my payment for 6 months, which I just called to activate. The agents are documenting inaccurate information, I suspended my auto draft payment and money is still being removed from my account. 

I'm not being giving accurate information about my account. The agents are not notating my account properly, there could be fraudulent activity on behave of Capital One. 

I have video conversation of recent calls.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my final demand letter, regarding the removal of unauthorized hard inquiries from my XXXX XXXX Despite my repeated requests, these unauthorized inquiries continue to appear on my Equifax credit file, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.
Product: Debt collection

EOS CCA, XXXX. XXXX XXXX XXXX, MA XXXX Account # XXXX RE :  XXXX {$1000.00} Upon speaking with a Debt Collector about this alleged debt. I immediately, informed the Debt Collector that this was not my debt furnished on my credit report. I informed her that I did not open up a XXXX account in XXXX, NY at anytime. I proceeded to state that I have not used my maiden name since XXXX and disclosed that I have been residing in XXXX  since XX/XX/XXXX. This Debt Collector requested for me to proved that I did not owe this debt. She proceeded to ask for a payment " full '' or " half '' before sending me the forms. I responded " No '' that I am not paying for this debt I didn't create. 

I proceeded to ask what proof they had bearing I open this XXXX account. Upon, receiving this notice I sent a copy of my old driver 's license, paystub and insurance card bearing my marital name as well as proof of address. Because, this has been very damaging my credit profile. In fact, this defamatory remarks has hurt my opportunity to purchase a home. 

I have disputed this matter more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to apply for car at XXXX and they said they was going to only do XXXX but it was 25 hard inquires poured on my credit report delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

They also didnt even record the disputed information 's current status, which is another violation. I have all the evidence attached below. 


XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

XXXXXXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report.
Product: Money transfers

A tenant was attempting to pay rent through the Venmo app. On Thursday XXXX the XXXX, he transferred XXXX {$250.00} payments. I was credited the {$500.00} and after a few days decided to transfer them from the app to my bank account. 

A few days after, the money was still not credited despite being advised that it would take only 2 to 3 business days. When I called to check on the funds, I was notified that the tenant did not have sufficient funds for the transfer to take place, all this after being credited for XXXX separate payments. 

They failed to notify me of the insufficient funds and a today, XXXX the XXXX, I receive a letter stating that I had violated their policy and that my account had been permanently blocked. 

I did nothing wrong, except assume that they had taken out of the tenants account the XXXX {$250.00} payments when they credited my account. 

Because of their carelessness, I am now out on a month 's payment and I action is being taken against me when I pointed out their error. 

They should not have credited my account for XXXX different payments of the tenant could not even afford XXXX.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX SC XXXX Balance Owed : {$96.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$940.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$230.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This marks my eighth attempt to submit a complaint concerning this matter. In 15 days, I intend to update my credit report, and I am concerned that, similar to my previous endeavors, my request to eliminate fraudulent items from my credit reports may be disregarded. I question whether it is necessary to continually remind you that, as per FCRA Section 605B ( a ), credit reporting agencies are mandated to remove any items identified by a consumer as information resulting from alleged identity theft, not later than 4 business days after the date of receipt. Given that none of my letters and complaints have been attended to since the initial correspondence, I am hopeful that 15 days from now, upon updating my credit reports, positive deletions will be evident. I will also attach the FTC report with reference number # XXXX for your consideration. Enclosed are the items that I formally request to be removed from my credit reports across the respective bureaus XXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I RENT A CAR WITH XXXX RENT A CAR FOR XXXX WHEN I RETURN THE CAR THEY CHARGE ME FROM XXXX ACCOUNT, AND PAID ME BACK THE SECURITY DEPOSIT TO ME ON XX/XX/2017 THEY TOOK COLLECTION ACTION BEFORE I SENT THEM THE LETTER BUT AGAIN THEY DOING IT BECAUSE THE LOOK XXXX XXXX XXXX LOCAL OFFICE THE GUY WHO DEAL WITH XXXX DONT LIKE MY NAME XXXX XXXX JUST TO PUNISH ME THEY ARE DOING THIS TO PUZZEL ME PLEASE STOP THIS COLLECTION ACTION I DONT OWE THIS MONEY THANK YOU XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this complaint is to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered a few inquiries that I have no knowledge of. Because I did not apply for credit with the following : XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX and XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. I have also reached out asking that they remove the inquiry from my credit profile. 
those inquiries I have mentioned to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if those creditors is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I have attached my ftc report. I noticed additional names and addresses listed that are inaccurate on my credit report. The fraudulent information on my credit report includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The following company RA Rogers INC Collection Consultants has placed there name on my XXXX credit report in attempt to collect a debt that was accumulated as a result of identity theft. The original creditor XXXX XXXX XXXX XXXX was notified of this incident on XX/XX/2019 and have remove there name from all three credit reporting agencies XXXX, XXXX, and XXXX after receiving identity theft report back in 2019. I have included a copy of the identity theft report I sent to XXXX XXXX XXXX XXXX with this complaint. RA Rogers INC Collection Consultants had no right to place there company name on my credit report. I DO NOT OWE THEM ANY FINANCIAL OBLIGATIONS nor do I owe the original creditor XXXX XXXX XXXX XXXX whom they are trying to collect. Failure to remove there name from my credit reports upon receiving this complaint will result in small claims legal action against RA Rogers Inc Collection Consultants. I will be seeking a minimum of {$5.00}, 000 in damages for : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )
Product: Credit card or prepaid card

I set up recurring payments on my credit card for a monthly payment of {$50.00}. The payment did not go through on one month and I was assessed a late payment fee on my account. This was unfair because I should not be penalized for the bank 's failure to process my payment.
Product: Credit card or prepaid card

Over three months ago, I contacted American Express about an incorrect payment I applied to one of my two Amex accounts : the {$500.00} needed to be transferred from account ending XXXX to account ending in XXXX. After that phone call, I have never since been able to access a monthly statement for either of my two Amex accounts. I have spoken five times and spent over ten hours on the phone between customer service and technical support, the last was with technical support three weeks ago who stated they would have my online access restored within one week ( two weeks ago ). Today, XXXX XXXX, I attempted to get online access, the only way Amex allows me my account information, was again disallowed. I again spoke with an Amex customer service rep and also wrote an email to XXXX. Amex is breaking the law because there is no way I can see my account statements for the past four months now and I have no way of know what happened to that {$500.00}.
Product: Debt collection

I have tried to have this issue remedied previously but Portfolio Recovery Associates still has not removed their account from my credit. After I submitted complaints and disputes about them appearing as a factoring company and reporting a collection account as an open and past due account they have since increased the balance they show I owed. They have added on extra fees to my balance they claim I owe and they are not allowed by law to increase the balance of an account that was from the original creditor.
Product: Student loan

Became XXXX  XXXX in XXXX. 
Filled XXXX forms to relieve debt ( XXXX discharge ). 
Had XXXX  fill out forms and submit. 
Waited the 3 years to confirm XXXX  XXXX. 
Had all student loan debts discharged - except from Greater Lakes Higher Ed. 
Every year since XXXX, had to contact lender and resubmit process. 
Every year debt not discharged, but new collection company contacting about debt. 
Every year explain to collection agency, explain to loan holder, restart process. 
Now been years since debt was discharged and no resolution has occured. 

Total Amt owed : {$410000.00}
Product: Checking or savings account

On XX/XX/year>, I scheduled a hair appointment and sent a {$160.00} deposit via XXXX XXXX just minutes before the appointment. However, the stylist had provided the wrong address. After multiple attempts to contact her, a man with a strong XXXX accent answered the phone, making me realize I had been scammed. 

Immediately, I attempted to cancel the payment through XXXX XXXX, which initially showed as successful. Seeing that the money had already left my bank account, I also contacted my bank, Chase, to report the fraudulent charge. The customer representative informed me that the transaction was still pending and assured me that Chase would not allow it to go through. 

On XX/XX/year>, Chase reversed the {$160.00}, and a claim was opened. However, on XX/XX/XXXX, Chase sent me a letter stating that the transaction had been authorized despite their earlier assurances that it would be blocked. My claim was permanently closed. 

I then contacted customer service at XXXX XXXX on XX/XX/XXXX, but they stated they could not assist since the transaction was processed successfully on my banks end. When I contacted Chase again, they reiterated that they could do nothing despite initially telling me they would prevent the pending transaction from going through. I have fraud protection on my bank account for unauthorized charges such as this, however, due to it not being a direct debit transaction, Chase refused to uphold my fraud protection.
Product: Debt collection

This company has misled you also. If you look the fraud affidavit submitted, you can clearly see it has Synchrony/G.E. They are a collection company for Synchrony, and they told a bold face lie. This is the same company that XXXX  slurs to me. This is the same company that caused me to lose my V.A. Loan. They are liars.That account is fraudulent! XXXX XXXX XXXX is attacking me with vengeance, and revenge against me for threatening to file a complaint and letting other consumers know about their duplicitous business practice. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are disturbed at me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals, or by XXXX XXXX XXXX employees, this must be an inside job. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception. XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX XXXX Member. They dont care who they XXXX over to save their brand. I learned this the hard way after they were XXXX  on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Sen. XXXX, please prove them wrong. Please help this Veteran and this XXXX XXXX XXXX member. Please?