23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct XXXX XXXX XXXX has violated my rights. 

Act 15 USC 1681 section 602 A. States I have the right to privacy.

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

Act 15 USC 1666 B 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, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Capital One continues to report incorrect data on my credit report. They have placed my credit card as a charge off. Instead of delaying payments as discussed. They are also reporting a past due amount as well which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports ( XXXX, XXXX and XXXX ) Immediately.
Product: Mortgage

On XX/XX/2023 I called and spoke to a representative regarding our mortgage PMI insurance. We wanted to have our home value reviewed to be able to get out of PMI. I was told by the representative that I would need to submit an email to XXXX to begin the process. The representative stated we would hear something back within 7 days. We waited over 30 days and called back to follow up on XX/XX/2023, and I spoke with XXXX. She advised that she would escalate the situation to a XXXX and would also send an email following up on the request and we would hear something back within XXXX hours. By XX/XX/2023, we still had heard nothing back so I called again and spoke with a different representative. I was told the same information, that they would escalate to a XXXX and follow up on the request. As of today, XX/XX/2023 we have yet to hear from anyone at Truist. We have received no calls, no emails, and no mail. I find these practices to be unfair, and believe Truist is only doing this to keep us paying additional money while our home value has increased and we could likely be out of paying PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

AMEX reported me to the credit agency because my credit card was XXXX {$100.00} over the {$10000.00} credit limit. I have been am AMEX customer for twenty ( 20 ) years. I was n't late or delinquent. In fact, my card is set up for auto payment, so I thought I would never have to worry about paying or checking my statement. When I spoke to AMEX, they said that rather than deny my use of the card, when it went over my credit limit, they instead unilaterally decided to " offer me the courtesy '' of not having my charge denied. This is completely unacceptable. I would much rather have my card denied, at the credit limit set for that card, than have my credit score negatively impacted. I have other cards and other means to pay for things. I do not have any way to get my now diminished credit score back. Something is very broken at AMEX for this situation to arise. I get electronic alerts from AMEX whenever anything looks amiss with regard to fraud, etc., I 'm baffled as to why AMEX could n't have automatically sent me an email letting me know they had approved charges above my credit limit so I could pay off some of my balance. I 've NEVER been late in paying my balance in twenty years. This is totally unacceptable. I hope CFPB is able to do something about this. Thank you in advance ...
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XX/XX/2020 I got hit with a hard inquiry from capital one. I did not apply for any card with them. This was never authorized by me. I didn't sign anything or sign up for anything. Just looking for this to be removed since it is inaccurate or fraud by someone trying to be me. I came here right away as soon as I was aware of situation. Thank you
Product: Credit reporting or other personal consumer reports

There is a current Auto loan on my report along with other account & inquiries that were not authorized by me. Im demanding a removal.
Product: Money transfer, virtual currency, or money service

Details of the Issue : I am filing this complaint under the framework of the CFPBs new rule regulating money transfer services, which aims to protect consumers from issues like those I am currently encountering. The rule underscores the need for transparency, accountability, and timely resolution of disputes in the remittance process. Unfortunately, my experience with BOSS Revolution illustrates a failure to meet these standards. 

Background : On XX/XX/year>, I used BOSS Revolution to transfer {$2000.00} to my recipients GTBank account in XXXX. BOSS Revolution claims the funds were successfully credited to XXXX on XX/XX/year>. However, my recipient has provided official bank statements confirming that the funds have not been credited to their account. 

I previously filed a complaint with the CFPB ( Complaint # XXXX ), which was closed without resolution. Despite my rebuttal, BOSS Revolution has failed to take meaningful action to resolve the issue.

Failure to Comply with the CFPBs New Rule : The CFPBs recent regulation of money transfer services emphasizes the responsibility of providers like BOSS Revolution to ensure that funds reach the intended recipient and to provide timely, transparent resolutions when issues arise. BOSS Revolution has failed to comply in the following ways : 1. Failure to Ensure Funds Are Credited : While BOSS Revolution claims the funds were transferred, the recipient has not received the money. This contradicts the goal of protecting consumers by ensuring successful delivery of funds.

2. Inadequate Transparency and Support : BOSS Revolution has failed to provide clear proof that the funds are accessible to the recipient. They have also shifted the burden of resolving this issue onto me and the recipient, rather than engaging directly with XXXX to resolve the discrepancy.

3. Dismissive Compensation : In response to my prior complaint, BOSS Revolution offered a promotional code for a free transaction. This does not address the missing funds or fulfill their obligation to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have failed to comply with the FCRA section 605b and cont inuied reporting the disputed items completely from my Credit Report despite all the letters and complaints I have been submitting to the Credit Bureaus. I am frustrated by the Credit Bureaus ' course of action. I have read enough to understand my rights which is clearly being violated by the Credit Bureaus. I am inclined to taking legal actions and sue the Credit Bureaus for the damages done. I have been disputing the removal of the fraudulent items from my Credit Report for a long time, and the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting yet another investigation and proofs to support the Credit Bureaus claims that the disputd items belong to me. Pursuant of the FCRA section 605b, I am urging the Credit Bureaus that they remove the disputed fraudulent items comepletely from my Credit report : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX Balance {$4600.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the nessasary proof of investigation.
Product: Checking or savings account

I received an offering the mail from M and T bank stating If I deposit {$10000.00} until XX/XX/2023 I would receive {$350.00}. 

I opened a " My choice premium checking account and deposited {$10000.00} on XX/XX/2023 in person with representative XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX. XXXX said just make sure I keep the {$10000.00} until XX/XX/2023 to receive the promotional {$350.00}. He confirmed I met all the terms. I did in fact keep {$10000.00} in the account without any transactions whatsoever until XX/XX/2023 which is well past XX/XX/2023. 

I was told the {$350.00} would be deposited in my account. I never received it. I called XXXX left his messages and emails but he did not respond. I spoke with XXXX at M & T headquarters on XX/XX/2023. She said I met all the requirements and does not know why I didn't receive the {$350.00} promotion. She said she can not do anything else or help with the matter. 

I then spoke with XXXX XXXX on XX/XX/2023. He said the promotion was not sent to my name. I told him it was sent to my name and I have the original promotion and read all the terms and conditions. The promo was sent to me but show me where in the terms and conditions it needs to be in my personal name. He refused to answer and said he " would not get into that '' I reiterated that I have the promotion in front of me there are 4 terms listed 1-4 on the back to let me know where it states what he is saying that the promotion needs to be sent to my personal name. Again he refused and also refused to honor the promotional terms. I explained that I fulfilled the terms and kept {$10000.00} in the account from XX/XX/2023 until XX/XX/2023 and that XXXX confirmed I met all the terms and should receive the {$350.00} as promised. That if they do not give it to me it's more then false advertisement it is theft. Unfortunately he continued to say he can not and will not do anything further regarding the matter without substantiating or indicating which term I have not met on their promotional flyer 's terms and conditions. M & T is deceiving the public, committing false advertisement and fraud.
Product: Debt collection

The Debt Collector called and stated that i owed over {$2000.00} for breaking an apartment lease early it should have been for only 2 months rent. They also keep adding more money to the debt and they are not even the original debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I am not an attorney or a third party rep. I have a legal right to dispute the following accounts : -XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX -CXXXX 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: Vehicle loan or lease

I wrecked my car in XXXX of 2019 and believe the auto loan that the bank repossed at my direction may have to do with fraud.., Reason is the letter Wells Fargo mailed me months later that the balance owed was being written off and removed from my credit seems too good to be true ... 

My XXXX  app I later used to improve my credit also had a discrepancy having to do with an auto loan, but nobody replied to my report on the app for resolution of this matter ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my contract, the alleged debt has been paid as agreed at the time of signing. 
The promissory note is a negotiable instrument. I will be asserting all of my rights. 
Per 15U.S. 1602 I am a natural person and XXXX XXXX is the creditor. I advise XXXX XXXX to also read the laws on consumer credit transaction According to 16 CFR 433.1, 16 CFR 433.2, 16CFR 433.3 this company is included to follow my rights XX/XX/1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses I have also been violatedand XXXX XXXX has borken the law by communicating or threatening to communicate to any person credit information which is known or which should be known false. This is under Title 15 U.S.

Code 1692 E Lastly please see the Notice section as well in a consumer credit contract. 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
XXXX XXXX Without recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for, and received a {$2500.00} credit line from XXXX XXXX Chase.They closed the account on XX/XX/XXXX and when I inquired as to why, they said that in XX/XX/XXXX, I had an adverse relationship with Chase for a Slate card. I have never held a Chase Slate card in my life. They could not tell me if it was charged off, paid off, or what since it was so old. In XX/XX/XXXX or XX/XX/XXXX, I had filed a Chapter XXXX   bankruptcy which doesn't even show up on my credit report but they are using the Slate card from 17 years ago, that I didn't even know about, nor do I have any way of disputing it as it doesn't show on my credit, as well as the bankruptcy that was so long ago, it doesn't even show on my credit as their basis for closing my account arbitrarily. I need to know who opened that Slate card and am curious if it's even legal to use information that far back that is not even on my credit reports as basis for terminating a credit line. In XX/XX/XXXX, I was living in public housing, working my XXXX off to take care of my kid after an abusive marriage. I now hold two XXXX   degrees and work for the most prestigious marketing agency in XXXX Florida - How do I get this fixed? Also, despite closing the account on XX/XX/XXXX, they put another inquiry on my report on XX/XX/XXXX that needs removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were discharged in bankruptcy and there is no bankruptcy on file. 
I have filed multiple disputes with Equifax and they continue to report these inaccurate accounts on my credit file. XXXX XXXX XXXX Account # XXXX & XXXX XXXX XXXX XXXX Account # XXXX. Please remove these inaccurate accounts from my credit report. There is no bankruptcy on file so these accounts that are included in Bankruptcy need to be removed immediately. I have attached the credit report that i received from Equifax dated XX/XX/2021 which shows that both of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were included in bankruptcy. Bankruptcy has been removed due to inaccurate information reporting now please remove these accounts that were tied to the inaccurate bankruptcy. I have attached the Equifax reports, my drivers license, social security card and utilities bill for proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR CONSENT WHILE I WAS APPLYING FOR A VA MORTGAGE. 

HE ALSO LIED ABOUT THE INTEREST RATE. 

THIS DISPUTE IS ONLY FOR HIS IMPROPER USE AND COLLECTION OF MY CREDIT FILE. 

HE REQUESTED MY CREDIT FILE MANY TIMES WITHOUT MY CONSENT OR WITHOUT ME KNOWING.
Product: Student loan

Since the beginning of XXXX I have made numerous verbal ( on a recorded line ) and fax requests with MOHELA regarding Standing Payment Instructions for All Future Payments to NOT pay my loans ahead. I have received contradicting correspondences from MOHELA ; physical mail confirming they received and are processing my request and will reapply the payments within 3-5 business days and contradictory on the website it says they cancelled my request. 

MOHELA made an unauthorized payment on XX/XX/ by fraudulently applying my loan payments against my Standing Payment Instructions for All Future Payments to NOT pay my loans ahead. 

Since XXXX I have made multiple attempts to call and reconcile this issue with MOHELA but it's impossible to get a representative and when I do, I am put on hold and transferred endlessly. After months of trying, I spoke with a supervisor, XXXX, last week, who told me she was unable to reconcile my issue and that it would have to escalated to another department, which I still have never heard back from. 

Despite my best efforts to reconcile this issue with MOHELA, I have been given absolutely no recourse against being defrauded by MOHELA. I have made official complaints against MOHELA with both the Department of Education and Studentaid.gov ; neither have responded.
Product: Credit reporting or other personal consumer reports

bankruptcy discharge still appears on my file. also accounts that were paid off were not removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

PNC Bank closed my account after I correctly and properly replied to a security text that was sent regarding a purchase. I was then referred to a branch where I felt I was discriminated against because my first name can be used for both genders. I was asked and correctly answered a battery of security questions and even demonstrated I had my active PNC ATM card on me and demonstrated that I was able to access my account through the banks ATM all while being pressured and scrutinized by a bank employee. At one point I even suggested law enforcement should be called so I could have proven I was indeed the proper customer. Subsequent to the branch visit my account was terminated and PNC even refused to accept my monthly payment when I visited a branch to make a payment. When I called customer service so I could receive a monthly statement with a payment stub and envelope I was denied, therefore purposefully making it impossible for me to make the timely monthly payment and eventually causing my credit report to reflect late payments. Despite this I still sent in a timely monthly payment for the estimated payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as inaccurate and incomplete information. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am seeking your assistance in the verification of the disputed data from my credit report. 

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 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 information is inaccurate.
Product: Vehicle loan or lease

They continue to contact me regarding my payment for XX/XX/XXXX along with charging me extra fees for being late, while having received my payment on time.They harass me for payments a month in advance violating our contract
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries listed on my credit report. I have recently reviewed my credit report and discovered inquiries that I did not authorize and have no association with. I believe these inquiries are a result of identity theft.