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

XXXX XXXX XXXX XXXX XXXX
ACCOUNT NUMBERXXXX  
LOCATION INFORMATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX


TO WHOM IT MAY CONCERN,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX  WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX & EQUIFAX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX, EQUIFAX AND XXXX ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX EQUIFAX & XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED;

LATE PAYMENTS:

1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY,
XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I paid for a wire transfer to another person in Texas by Western Union at XXXX in XXXX XXXX, Texas for {$500.00}. I did this in person at the location hoping to get some funds to my granddaughter 's family - that needed prescriptions, fuel, and groceries through the end of the year. 

After must consternation with the company 's customer service I found out on XX/XX/2018 that the wire wasn't sent, but refunded without notifying me. 

On XX/XX/2018, I had to go again in person to one of their agents to get the amount refunded - still with no explanation, but that WU can not do business with the person. That seems like a classic case of discrimination. 

In my opinion, the WU organization has very, very poor customer service, as well as not performing what I asked them to do. And no explanation of why not.
Product: Checking or savings account

My account has been closed by Mercury Banking for over 13 months now, and they ignored all attempts at legal communications including but not limited to demand letters and personal outreach. I spent money to get my money and they never responded or acted towards the legal outreach. Please hold them accountable to the financial institutional guidelines that they clearly don't seem to abide by. I can still log in to my closed account and see my unmovable and untouchable funds there. Any attempt at communication has been shot down and never responded to.
Product: Debt collection

approximatelyXX/XX/XXXXI severed service with XXXX for internet service and home phone service. I maintained service with XXXX for cellular phone service. 

* XXXX assigned the account to collection approximately XXXX XXXX approximate amount {$250.00} * contacted XXXX on several occasions explaining the amount was paid but most likely to XXXX XXXX XXXX While this may have been an oversight, XXXX was not willing to accept this or to assist in any way to offer guidance or to assist a 30 year customer. 
* XXXX had turned this over to several collection companies that have been sending emails, text messages, phone calls aggressively. This need to cease. 

* XXXX has reported this to the XXXX, XXXX XXXX, and XXXX thus my credit score has taken a large decrease. this has affected my ability for certain student loans for my daughter 's college. XXXX has not been receptive to phone calls ( can not get a human ). I believe this should be removed from the 3 credit bureaus as I have been harmed,
Product: Money transfer, virtual currency, or money service

On XXXX I was scammed by a person on XXXX who was claiming to be someone who I could by concert tickets from. I contacted Chase customer service to see if they could stop or cancel the transactions, but they said that they could not because the money had already gone through to the other person 's account because I sent it on XXXX. They gave me a different phone number to call, so on XX/XX/2021, I called this other number for Chase customer service and the woman I talked to helped me file a claim, but also told me that the only way for me to get my money back was for the individual to send it back. She told me that they would be in contact with their service provider and I would likely hear back in 5 business days. I told them that it was a scam and the person would not get back in touch with me. They gave me the phone number for reporting fraud, so I filed a report about fraud. I would just like my money back and I have tried reaching out and requesting the money back but I have not heard back from the scammer. Chase said in the event they could not refund me the money since I was the one who sent it. I sent this person a total of {$500.00}. It was in four separete transations. three of them went to the same email on XXXX and the last one went to a different email on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely 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 XXXX  ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely 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 violationsXXXX 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. 

List of Unauthorized Inquiries : 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 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: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized Hard Inquiries Violation of 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute unauthorized hard inquiries on my credit report, which lack permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. On XX/XX/XXXX, I reviewed my credit report and identified the following inquiries made without my consent or valid legal basis : XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, and XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I confirm that I did not apply for credit, authorize these entities to access my report, or have an existing account/relationship with them. These inquiries violate 1681b, which requires permissible purpose for accessing consumer reports.

Requested Action : Immediately delete these inquiries from my credit report.

Conduct an investigation per 1681i and provide a written response detailing corrective actions.

Attached is evidence supporting my claim, including : Copies of my credit report highlighting the disputed inquiries.

Documentation confirming no prior authorization or accounts with the listed entities.

Please correct this inaccuracy within 30 days as required by law. Additionally, provide an updated credit report and confirmation of deletion. 

CC : Consumer Financial Protection Bureau ( CFPB ) | Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Report Number XXXX
Product: Debt collection

Receivable Performance Management did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my loan and the company reported the loan closed rather than paid in full and my credit score was decreased by XXXX points. 

Your Marcus Loan XXXX is paid off! 
No more payments are required for this loan.
Product: Debt collection

an account was opened... which i wasnt not aware of .. i called Southwest credit systems to dispute this and no one answered.. i went on their website per instructions to dispute no later than XX/XX/year> which i did .. and they violated my consumer rights and still went and reported me to the credit bureau of experian XXXX which i file a dispute to delete and i may pursue other charges against this company
Product: Credit reporting or other personal consumer reports

The U.S. Department of Education violate my rights. Due to the fact of family and educational privacy act of 1974.and never gave me the opportunity to opt out per 15 USC 6802
Product: Credit reporting or other personal consumer reports

Lendmark financial services is willfully violating a federal law enacted by congress to protect consumers. They reduse to delete the repossession, negative account history after the account had been paid in full. I would like to pursue civil damages, and demand the late payment, and repossession deleted from my report.
Product: Mortgage

I have had this loan since I purchase my home in XX/XX/XXXX. In order to pay this mortgage off faster I have been paying it weekly of the monthly amount divided by 4 plus additional amount towards principal ). Whenever the amounts of the weekly payment reaches the monthly amount due, the remainder in that month 's time is supposed to go immediately towards principal. Instead, in early XX/XX/XXXX the extra amounts had been sitting in suspense and not until I called them a dozen times did they start moving them over to pay down the principal. Not once did I get an apology OR any kind of retribution or reimbursement of interest. Finally it was corrected. Last month I called and increased the amount I would pay towards principal and all of a sudden the same exact thing is happening - the extra amount is sitting in suspense. I called them on XX/XX/XXXX and had to escalate 3 times until I spoke to a manager who promised to resolve this. IT STILL HAS NOT BEEN CORRECTED. What do I need to do to fix this? 
FYI : These are the following people that I have spoken to from the onset of this problem. 
XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, supervisor XX/XX/XXXX XXXX XXXX, manager XX/XX/XXXX XXXX, customer service rep XX/XX/XXXXXXXX XXXX , Supervisor XX/XX/XXXX XXXX XXXX , manager XX/XX/XXXX XXXX XXXX , manager XX/XX/XXXX XXXX XXXX , manager
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I attempted to withdraw my funds from Kraken Crypto company, a US based company. After over 10 phone calls to Kraken and multiple emails from team members, I have not received my withdrawal funds to date. It has been over 72 hours of emails that are duplicates. Kraken keeps gas lighting me and telling me that another team member needs to review my request to withdraw my monies. Every team member i spoke to told me another team member needs to review my request. On Monday, XX/XX/2023 I received and email that my withdrawal was being processed. Today is Wednesday XX/XX/2023 and I have not received my refund in my bank account. Kraken told me it would be routed to my bank. I called Kraken last night to check on the status and a team member told me that another team member would have to contact me via email. This has been going on for over three days now. I have filed a complaint with the FTC against Kraken Crypto. Kraken is holding onto members money and using gas lighting excuses for not refunding their members. This is unethical business practices and Kraken is committing fraud. They are refusing to refund me my money, they are refusing to give me status of my withdrawal, they are holding onto money that is not their money, they are gas lighting members, they are committing fraud against the american public. I am asking for an investigation against Kraken Crypto company, a US based company. 
Thank you. 
Sincerely XXXX
Product: Debt collection

There is a collection on my credit reports for {$1500.00} that is not mine. I have disputed, and my dispute was denied. The company is called Retail Merchant Association. They have refused to send me any documentation, and they claim the original creditor is an XXXX XXXX in the XXXX of XXXX. I have never been in an ambulance in my life, nor have I ever been to the XXXX of XXXX. I need this resolved please.
Product: Money transfer, virtual currency, or money service

AFFIDAVIT COPY : Affidavit in Response to Request for Tracking Number PayPal , XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX As PayPal was previously informed ( See previous attachments to this dispute ), XXXX as a company did not inform me ahead of time that there would be shipping fees involved in returning a defective scanner. Their advertisements lead the customer to believe the buying process would be trouble free. Their entire approach to this product is false advertising. 

Therefore, I have NOT returned the product because XXXX will not pay for the return shipping. If XXXX will issue a PAID return label, like Amazon does, then in that case I will return it. 

If PayPal aides and abets XXXX in their schemes to defraud consumers then I will have no choice but to file false advertising complaints with all consumer protection and financial regulation agencies. And I will not choose PayPal credit for any future purchases. 

Regards, XXXX XXXX _ -- -- -- -- -- -- -_ -- -- -- -- -- -- _ -- -- -- -- -- -- -- -- -- _ -- -- -- -- -- -- -- -- -- _ AFFIDAVIT 2 COPY : Affidavit in Response to Request for " credit receipt showing details of the payment '' Case ID : XXXX XXXX XXXX XXXX & CEO PayPal , XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, This affidavit is directed to you personally in response to your dispute center team 's excessive requests of me to produce obscure, uncertain and unending items in a dispute resolution case. The most recent request for " credit receipt showing details of payment '' is vague and I am unsure exactly what PayPal is asking me to produce. 

The best response I have is a screen capture of PayPal credit 's own page pertaining to future payments due on the DEFECTIVE scanner. 

In view of the forgoing a credit to my PayPal credit account is due as a refund for the DEFECTIVE scanner. 

I see from the dispute case that XXXX has not even responded to PayPal regarding the DEFECTIVE scanner they sold me through FALSE ADVERTISING. 

The screen capture will be uploaded seperately. 

Regards, XXXX XXXX XXXX ; Attorneys General FTC XXXX CFPB
Product: Credit reporting or other personal consumer reports

Inaccurate collections entries on my credit report are harming my credit and financial stability. These errors are damaging my creditworthiness and causing unnecessary stress, requiring immediate correction to prevent further impact.
Product: Vehicle loan or lease

In accordance with he fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1555b 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 card or prepaid card

After careful investigations on my part and with the help of law enforcement it has been revealed that XXXX in the fraud department at Navy Federal Credit union is leader in the credit card scam going on at this company where they mail memebers credit cards to their friends and they make unscrupulous charges then refuse to investigate these charges and the consumers are stuck to pay these bills. This is disgusting and reprehensible. They are defrauding all these members to make a buck for themselves and they should be ashamed of themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, to whom it may concern, My identity has been stolen, and 6 institutions did a hard inquiry on my credit report, and i didn't authorize any of them.

I'll list the 6 below, please help remove these from my credit report and prosecute the offenders that stole my identity. 

( XXXX ) XXXX XXXX  XXXX ( XXXX ) XXXX I called XX/XX/23 ( XXXX ) Barclays Bank of Delaware  XXXX ( XXXX ) XXXX Application # XXXX, XXXX XXXX, was denied Called XX/XX/23 ( XXXX ) XXXX XXXX XXXX XXXX ) XXXX Account ending in XXXX Amount owed {$7500.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Card issued XX/XX/23 I called them XX/XX/23 ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX called XX/XX/23 ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please help prosecute all offenders to the extent of the law and PLEASE help remove all this fraudulent activity from my credit reports. 

Thank you XXXX XXXX
Product: Mortgage

I applied for a Home Modification from Chase who is our servicer and XXXX XXXX was the investor last XXXX XXXX. We were approved and they sent us the paperwork saying that there will be a 3 months trial period starting XXXX XXXX, XXXX to XXXX XXXX, XXXX and after that will send the final documentation. After paying the XXXX, XXXX, they are giving us the run around as if they do n't know when will the final documents will be sent. They do not respond to our calls, they even changed our relationship manager. Finally, the new manager assured us that documents will be sent and the payment for XXXX is waived. The promised date came XXXX, XXXX and still documents are not received. Once again, I called again the relationship manager and was told that they did not know when the documents would be sent out and to keep paying the trial amount in XXXX. He even do n't know when and just keep on paying. 

I already had a bad experience with Chase in the year XXXX. Please let me know how we finish the modification as promised by Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.