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

XXXX XXXX XXXX XXXX XXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX As a consumer, I request to know all the steps your agency took to ensure this item is 100 % accurate. 

This is the 2nd time that Experian has reinserted this deleted account : XXXX XXXX XXXX XXXX ACCOUNT # XXXX Under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Also, under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In gen
eral 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to reinsert the item above and show where I gave written permission to be on my credit report in the first place, otherwise delete them from my credit report immediately or I will seek monetary damages.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Regional finance and XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Checking or savings account

Money was transferred from checking account to savings account. Money was intended to be for rent. Planned to move Money back and pay rent when the management group updated our portal. The savings account was closed without my consent but only after our funds were transferred. Now we do not have our rent money and the institution support is saying not to worry that the money should be credited to the original checking account within 5 business days. Meanwhile my rent will go unpaid.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX balance {$0.00}, XXXX balance {$0.00}, XXXX balance {$0.00}, FED XXXX XXXX balance {$0.00}, XXXX  XXXX XXXX balance {$0.00}, XXXX XXXXXXXX XXXX balance {$0.00}, XXXX XXXX {$11000.00}XXXX XXXX XXXX  XXXX XXXX {$22000.00}, XXXX XXXX XXXX XXXX {$3400.00}, XXXX XXXX XXXX XXXX reference # XXXX.
Product: Credit card or prepaid card

My account with Capital One was opened on XX/XX/XXXX. This included a promotional APR of 0 % for what I thought was a minimum of 12 months ( possibly longer ). I received my first statement for XXXX with a due date of XX/XX/XXXX. Starting with that statement, no interest was charged. I had not been charged interest up until this month 's statement dated XXXX with a due date of XX/XX/XXXX, interest charge of {$57.00}. 

I looked at my account information online and could not locate information regarding the terms of the promotional APR. I called Capital One 's customer service today, XX/XX/XXXX at XXXX XXXX to ask if the interest was charged in error. They could not verfiy if the interest was charged in error, because they also were unable to find information regarding my promotional APR. I reviewed my credit card agreement online, but it does not include any information regarding the promotional APR. 

If Capital One can not provide me with information regarding the promotional APR, there is no way for me to verify if I'm paying interest in error.
Product: Credit reporting or other personal consumer reports

Another lie and this all they do is LIE THEY RESOLVED NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Student loan

In accordance with the fair credit reporting act XXXX Account 's with Fed Loan, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

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

15 USC 1666B states that a creditor may not treat a payment as late for purpose.
Product: Money transfer, virtual currency, or money service

I took my family on a vacation to XXXX in XXXX  and was a total lose of around {$2500.00} for the fact being wells Fargo held a check being deposited via mobile app was placed on hold and all of the reservations where cancelled and had to borrow money from friends and family after we had to sleep in a 2 door XXXX  for 3 days untill the money was released so after paying friends and family back we didn't even get to enjoy the vacation and do what was intended
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I mailed certified letters to all three credit agencies, XXXX, Transunion, and XXXX  regarding a delinquent account being reported by XXXX XXXX XXXX. I was requesting verification of the account. XXXX responded on XX/XX/20, XXXX   responded XX/XX/20, Transunion XX/XX/20, all three agencies stated that the account was verified and updated on my credit report. I submitted a second request to the agencies requesting their method of verification. XXXX  responded back after my second request on XX/XX/20 stating that upon their reinvestigation the account was deleted and my credit report was updated. I received a second response from Transunion and XXXX again stated that their reinvestigation of the account in question was again verified and updated. I sent a third request for method verification to both Transunion and XXXX and provided them proof of the removal of the account from my XXXX  report. After three rounds of request for their method of verification, I received the same response that the account from XXXX XXXX XXXX has been verified and updated. I don't believe that a thorough investigation was done as required under the FCRA. XXXX reached a settlement with the federal government regarding their unfair practices. I fall under that lawsuit umbrella and DEMAND that XXXX XXXX XXXX is removed from my Transunion and XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding several unauthorized credit inquiries reported by TransUnion on my credit file. These inquiries were made without my consent. After contacting the creditors responsible, they confirmed that they have no signed application, contract, or permissible purpose authorizing such inquiries. Despite having submitted a formal dispute directly with TransUnion, these inquiries remain on my report, and TransUnion has not provided any verifiable documentation proving my authorization. 

Additionally, I am concerned that TransUnions investigation relied on the EOSCAR system, which, according to the Consumer Financial Protection Bureau ( CFPB ), has known limitations and may not be sufficient to verify underlying documentation.

These inquiries violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681b ( lack of permissible purpose ), 15 U.S.C. 1681i ( failure to remove unverifiable information ), 15 U.S.C. 1681g ( failure to adequately verify inquiries ), and 15 U.S.C. 1681s-2 ( data furnishers responsibility to report accurate and verifiable information ). 
The specific inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Additionally, court precedents such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) establish that accessing a credit report without proper authorization is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Experian is reporting a inquiry on my credit report XXXX XXXX without my permission
Product: Debt collection

I am tired of getting harassed by Kramer & Frank. Every time I made a little payment, they return it because they say that is not enough. I will ask you what it's enough, nothing or something. The other thing is Kramer and Frank doesn't have a consolidated account for XXXX XXXX XXXX, they have them separated and maybe that is ok but every time I contact them to make payment arrangements they are very rude and they demand their own monthly payment. I am a single mother and I can't afford whatever they want me to pay. They should give the consumer the chance of paying whatever is available to them. The lock you out of the account and you are not able to login at all, they would return your payment. But I have proof that I have tried to make payments in the past and they refuse. 

Kramer & Frank P.C., XXXX Single Payment ACH Debit Confirmation Payment Identification Number : XXXX Kramer & Frank, P.C., Account Numbers : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX Current Balance : {$3600.00} Today 's Date : XX/XX/2020 Payment Date : XX/XX/2020 Amount of Payment : {$20.00} Payment Type : This is a single payment. 
Application of Payment : Your payment will be applied to your XXXX XXXX XXXX XXXX accounts in the order that Kramer & Frank, P.C., determines at the time of posting. 
Bank Routing Number : XXXX Bank Account Number : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX : XXXX, CA XXXX
Product: Mortgage

I was trying to payoff the balance of my mortgage with Feedom Mortgage. They would not quote a payoff over the phone or in the website. They said there is a {$30.00} charge for the payoff amount. I am not selling or refinancing my home. I sent a check from my banks bill pay for {$34000.00} which was the principal balance on my statement. The check was dated XX/XX/18. On XX/XX/18 I received a letter with the check enclosed saying the funds must be certified. I called customer service on XX/XX/18 and was told by the CSR that it was against the law to accept the check. I asked her what law she was referring to. She could not answer but said they could not accept more that {$9900.00}. I told her that was referring to CASH transactions, not from accepting checks. 
I feel that Freedom Mortgage is not acting in good faith and trying to put obstacles in my path to collect more interest and fees. Also, I found my loan agreement and Truth In Lending Disclosure from my loan and there is no mention of a {$30.00} payoff fee. ( I did not have to have it in writing ) I am now required to pay a fee to my bank to issue a cashiers check to pay the account plus an additional months interest on the loan.
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax and XXXX concerning fraudulent activity on my consumer profile but have yet to receive a response. I have provided my FTC Report, state ID, Social Security card, proof of address, and a letter detailing the specific items resulting from the fraud. Please ensure a block is placed within four days of receiving this correspondence. The letters will be attached to this complaint, and all documents will be sent via the United States Postal Service. This company is in breach of 15 USC 1681N, and these fraudulent accounts must be removed within four days as stipulated by 15 USC 1681C-2. 
XXXX Case Number : XXXX REMOVE FROM MY CONSUMER REPORT XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Remove from consumer report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX REMOVE FROM MY CONSUMER REPORT Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached ALL the relevant documents pursuant the above Section of the law.

I demand all the above Fraudulent accounts DELETED immediately.

I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of XXXX XXXX XXXX XXXX CFPB ) XXXX XXXX  Thank you, XXXX XXXX XXXX
Product: Checking or savings account

For about 10 years, Citibank has been sending me informational notices. When I have called them in past years, they told me not to worry about it or that the wrong address is no longer their system or otherwise dismissed my inquiry. 

On XX/XX/XXXX, I received a privacy notice, CRE 278 Rev. XX/XX/XXXX, Item XXXX. 

On XX/XX/XXXX, I contacted Citibank customer service. They were unable to locate my account. 

Someone has opened an account with my correct name, but using an address with which I was never associated, never used, and never visited. 

I want Citibank to locate the account with BILLING ADDRESS and send me all details about it so that I may determine the extent of the fraud.
Product: Debt collection

Dear Jefferson Capital Systems, I am writing to formally notify you that the account referenced under my name was opened fraudulently as a result of identity theft. I demand that you cease and desist all collection activities related to this account immediately. Additionally, please remove any negative information related to this account from my credit reports. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on XXXX XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Checking or savings account

On XX/XX/2020 at XXXX XXXX  I made a {$2000.00} deposit ( XXXX {$100.00} bills ) at a Chase bank ATM located at XXXX XXXX XXXX, XXXX XXXX, GA. I received a printed receipt with the message " To be sure your deposit went through, please call us at XXXX, '' that also listed sequence # XXXX, XXXX   # XXXX, and Term ID XXXX. 

Immediately, a bank employee helped me to call the number from one of the branch phones and I submitted a claim to receive credit for the missing {$2000.00} deposit. I received confirmation the investigation was opened. 

On XX/XX/XXXX, a letter was issued to me from Chase ( Claim Number : XXXX ) claiming that no deposit was made. This is demonstrably false, and a review of the camera footage at the branch and ATM ( inside of the branch ) in question would prove that. I also have my receipt indicating that there was a problem with my deposit. 

I am attempting to do everything possible to recover these funds.
Product: Checking or savings account

I have been banking with Chase bank for almost XXXX  years now. In that time I have never deposited a bad check, not once. My pay checks normally range from $ XXXX {$1200.00}. 
I recently started a new job, thus ORIGINALLY I could understand why the first decent check ( {$1000.00} ) I deposited would have a temp hold. Deposited it on the XXXX and funds werent available til the following Monday ( XX/XX/XXXX ). No huge problem on that one. 

However, XXXX week later I deposit a check of {$900.00} on the XXXX of XX/XX/year>. Same company and even a lesser amount. They still put a hold til today ( XXXX of XXXX ). I look in my account this morning and the funds are not there ; matter of fact they extended the hold for XXXX more days. So I deposited my paycheck on the XXXX and now funds wont be available til the XXXX. 

Keep in mind Ive never written/deposited a bad check. Have had an account for 3 years with them. I have bills scheduled to come out of said account that now XXXX cant pay. A 12 day hold on a {$900.00} paycheck. You can literally look back XXXX week and see the same check issuer for a higher amount. 

I dont see how this can be legal. There is no reason that I shouldnt already have my money. 
This is absurd to say the least. I have XXXX children that depend on me, yet now I dont know if I can even afford gas for the next week. 

This is outrageous!!! I have already called chase bank and they told me they couldnt verify the funds. Even though I can clearly see where the funds enter my account from paying bank. Then they immediately uncredited funds. Thus theyve been paid my money yet still havent credited my account. 
Thats theft!! 

Please someone who has the authority to stop this ridiculous misuse of power and people 's money, ; please help me and everyone else who is getting screwed over by their own financial institution. 

Needless to say I will without a doubt be closing my Chase account. 
Ive had a few other issues with them as well but I didnt report them. 

Like when I won {$1000.00} from the Louisiana State Lottery and I deposited that check ; they held it for XXXX weeks. Whats crazy is the LA lotto banks with Chase. Thus, it was an in house transfer and shouldve been available same day. Yet I didnt receive funds for XXXX weeks or so. 
They gave me the same LIE then, they couldnt verify the funds. Are u kidding me.!?!? Look at the account. Its written from your bank!!! They also changed the date of said hold to yesterday. Even though theyve been holding it since Friday. Will attach pics to confirm. 

Chase has gotten ridiculous with how it treats its customers. They have really really put me in a bind on this one. Im beyond stressed and Im sure will have to pay late fees and other expenses courtesy of their lack of customer service and care. 
Please someone needs to address this. Before it continually happens to more and more people. Thank you for your time and please imagine how you would feel if it were you.
Product: Payday loan, title loan, or personal loan

I had been receiving approval letters from this company for over a year. I have always thrown them away. This time, I was told my loan would be XXXX. Payments would be XXXX a month for 12 months. In desperation I accepted the loan. They deposited XXXX in my account on XXXX XXXX 2017. I called the Company regarding the different amount, and was told once I paid the XXXX back, that would be the end of the loan. I told them it would be paid by XXXX XXXX 2017. They withdrew XXXX on XXXX XXXX 2017. I  called the Company again, Whole Different Story. They expect me to pay 12 payments of XXXX for a total of XXXX for a XXXX loan. I am XXXX, and I feel I only owe the Company XXXX I could only get one offer from them downloaded. There are Many.
Product: Vehicle loan or lease

XX/XX/XXXX I got into a car accident and insurance company gave me a check because my car was a total loss. In XX/XX/XXXX I try to get a new car and Santander consumer inc told me I have {$3500.00} left on my account due to a extended warranty which I never signed for.so I called auto source warranty to cancel the warranty that Santander said I had and auto source sent me a mail on XX/XX/XXXX saying that the vin number I provided was mine but how ever related to a different vehicle and different customer name and that they have no contract number with my name and they told Santander but, Santander refused to take it off my credit or even tried to dispute it.Ever since then I have not been driving for 3 years and I want to get a new car and I spend almost XXXX a week on XXXX because every dealership I goto and try to get a loan they deny me or tell me to put a large amount down all because Santander put it as a charge off on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally opened an account with XXXX that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.