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

TransUnion Free annual credit report wasnt provided. First I try it in XXXX, then in XXXX, and finally just trying it now in XX/XX/XXXX. The company is setting up its informacin access operations in a way that is pushing the American people to purchase it's {$30.00} dollars monthly program to be able to access credit report information to be able to dispute inaccuracies. In every time I go online try to follow the process and get error messages saying that it is not available online my informacin, this message comes with a phone number to call. Every time I call in to this phone number the TransUnion rep say that there is nothing they can do but to send me a physical copy to my address, which never happened. In XXXX the mail never arrived in XXXX the mail copy never arrived neither. XXXX no rep was able to explain why this situation is happening.
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX Account Number : XXXX Bal : {$800.00}. 
2. XXXX Account XXXX : XXXX Bal : {$0.00} 3. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$920.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Vehicle loan or lease

there has been a BREACH OF CONTRACT on behalf of XXXX XXXX. I attempted to communicate with XXXX XXXX XXXX, XXXX XXXX through injunction letters in an attempt to perform on this account. I sent over with the letters my Restricted Endorsement on the coupon or payment voucher tender payment and set off this account balance to zero. I also requested that the balance be " pay to order '' of XXXX XXXX XXXX XXXX. All my Rights are Reserved under Title 12 USC 411 Without Recourse. I am legally and lawfully entitled to the full principal balance, all Titles, all Rights, all INTERESTS, all EQUITY on this account under THE FEDERAL RESERVE ACT Sect. 16 and also 18 USC 8. XXXX XXXX violated 15 USC 1605 and 15 USC 1635. They did not honor my right to readdress the contract. This is a BREACH OF CONTRACT and SECURITIES FRAUD! Because they have repeatedly ignored my attempts to perform on this account, under THE FEDERAL RESERVE ACT Sect. 29 I can and will legally pursue them. They have posted inaccurate information to my credit file and have defamed my character. I have suffered discrimination and extensive financial damages due to their misconduct.
Product: Credit reporting

I have disputed Credit Control Corp ( Collections ) on two occasions and receive a reply back that the accounts are mine. I have never had an account with this company or agency and these are not my accounts. I ask for a signature or contract and it was never provided, this is unlawful and very unethical. once your respond to a dispute is sent electronically it falls off in 30 days in reference to original dispute case number. 
XXXX, XXXX NC XXXX, XXXX, XXXXXXXXXXXX SS # XXXX, DOB XX/XX/XXXX I have gotten married XX/XX/XXXX married name is XXXX ; however mail is still sent in my maiden name. 
Thank you
Product: Credit reporting or other personal consumer reports

This last and final complaint before the matter is taken to District to ask the federal question for violations of the Fair Credit Reporting Act, is in reference to the previous identity theft complaint placed through the CFPB and the email that was received by Experian Information Solutions , Inc on XX/XX/year> which suggest that I made my request to block personal information due to identity theft in error, WHICH I HAVE NOT. 
Experian Information Solutions , Inc is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.XXXX XXXX XXXXXXXX is a financial institution by definition under that title. 
I am the card holder which was issued to XXXX XXXX XXXXXXXX, so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

I have also opted out and rescinded any authority I may have given XXXX XXXX XXXX to report about me to any 3rd party, and I have a right to privacy.

Experian Information Solutions , Inc is also in violation of the previous conditional cease and desist what was attached. 
Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist. 
XXXX XXXX  XXXX Opt Out Notice Identity Theft Report Power of Attorney, CAF Notice, Fee Schedule Opt Out Notice ( s ) Name Copyright Passport Card Invoice
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. 



According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, Equifax and XXXX are consumer reporting agencies and I am the consumer. 



I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX is a financial institution under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency may also 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. '' These accounts are adverse items, and they are reporting without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I did a PRE QUALIFICATION check for Alphaeon credit through Comenity bank. It specifically said it would not affect my credit and would not be a hard inquiry. I now have a hard inquiry on my XXXX credit report. This is impacting my credit negatively and I did not authorize this. I need this removed as soon as possible please. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX  XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

When the fraud first occurred I called I notified the bank about all the transactions they said dont worry will take care of this yeah you wont be liable for anything fast forward to today theyre reporting the account as two months past due theyve added numerous late fees and interest and it says I owe XXXX dollars Ive called them since then and I spoke with the fraud department very nice guy he said oh were sorry we must not have gotten those transactions in with the original fraud claim OK so they missed a couple I wasnt mad as long as they would fix it but the trouble is is theyre not fixing it called the third time I was told the same thing that they were going to fix it not to worry but my account is still past due I should have a XXXX balance in addition to that I have contacted them through their website the message Center when they respond they never give me any answers never I have a long history of this it seems like no matter what I asked they never have an answer I mean I could ask what color grasses and they would say were not sure you should call this person or that person theres no help at all I dont know what these people are getting paid to do because they dont help your customers and then at one point you said that someone is calling me while I travel a lot and I travel internationally a lot so Im not always able to receive voicemails or phone calls but even when I get back to the XXXX I check my voicemails there is nothing from you and Im explain to you that I dont need you to call me I dont need you to say sorry I just need you to fix it in the final straw was he sent me a letter that is extremely vague I have absolutely no idea what it means in the letter I just want these last transactions to be fixed you made a mistake not me youre fine department admitted that already
Product: Checking or savings account

Hello, I am filing a complaint due to a bonus rewards issue with Truist Bank. 
I used the TRUISTXXXX ( {$400.00} bonus ) promo code when opening up my checking account. According to my bank statement, my checking account was officially opened on XX/XX/XXXX. I received ( XXXX ) direct deposit of {$500.00} or more on XX/XX/XXXX. I also made ( XXXX ) qualifying transactions within 90 days of opening my account. Today, I received an email from Truist saying I wouldn't qualify for a bonus reward of {$300.00} because I didn't have ( XXXX ) qualifying direct depots of {$500.00} or more. They applied the wrong promo code to my account, i.e., the TRUISTXXXX ( {$300.00} reward ) promo code, even though I applied using TRUISTXXXX ( {$400.00} reward ). TRUISTXXXX promo code is Valid for new Truist XXXX Checking accounts opened online from XX/XX/XXXX through XX/XX/XXXX. I have called Truist several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Truist customer service tells me that since I didn't have ( XXXX ) direct deposits, I did not qualify ; however, the requirements are not the same for the {$400.00} reward that I applied for. For the {$400.00} reward, XXXX direct deposit of {$500.00} or more is required within 90 days and I qualified based on that. They go back and forth about the TRUISTXXXX promo code and are not giving me information on whether I qualify and why they are trying to apply a promo code I did not authorize. If they wanted to change the promo code, they should have contacted me before the time when the bonus would be awarded. 


XXXX XXXX XXXX
Product: Checking or savings account

Synovus Bank is closing my personal and business accounts. 
I deposited a cashiers check for XXXX. It was processed and verified by Synovus and cleared. Went to make a wire but denied. The wire was going into my personal account with a firm and recipient was in my name. It was denied because the bank rep didn't understand that the recipient address was the firm 's XXXX and not my personal address. 
After the denial, I moved the funds to wire to my other bank account at another bank so it can be processed without an issue. 
A few days later, Synovus froze and stated it was closing my accounts. They are withholding the remaining funds in my accounts for the review. Not understanding if they processed the original cashiers check and verified and cleared, why are they holding it for review if it was done already. They would not release it when I wanted the accounts closed and all funds returned to me. It was a business loan I must repay. I'm to pay for funds that Synovus is holding XXXX after it was cleared and verified?
Product: Vehicle loan or lease

REFERENCE COMPLAINT XXXX AND COMPLAINT XXXX Additional questions : 1 ) letter dated XX/XX/XXXX states vehicle was placed for sale after repairs were done in XX/XX/XXXX ... ..invoices show repairs done in XXXX ... .which is correct. 

2 ) repairs show a windshield being replaced ... .when was windshield damaged as it was not in need of repair at the time the vehicle was surrendered. 

3 ) you did not have a POA to sign off of the title. How was title signed off? IF, you state that a POA was provided in the contract, please specify paragragh and line providing for that. 

4 ) On the XXXX form issued in the calendar year XXXX, you state that the value of the vehicle was approx. 92k yet in the same year you value the vehicle at XXXX. Please clarify how you can ... .in the same year ... provide 2 different values on the same vehicle. Please explain ... for IRS purposes the difference in these figures. 

5 ) was the XXXX issued actually filed with IRS, I have been told both yes it was and no it was for my information only. 

6 ) since the vehicle sold for more then the loan amount, why was an interest statement not issued to me for XXXX as the proceeds of the sale covered those charges.
Product: Debt collection

Been receiving multiple calls per day from XXXX, which leaves a prerecorded message to call regarding a debt. It also gives an option to speak to a representative. I opted to do this to find out what this is about. The operator asked for a relative, who has never lived with us yet our number was the one they had on file. I told them that the person they seek does not live here and asked to be removed from their caller list. The operator said he could not do this without a new number being given. He also said they are not required to stop calling. 

This is simply harassment by proxy.
Product: Debt collection

I just checked my credit report and a collection account appeared that is part of my identity theft case that was filed in XX/XX/2019 2019
Product: Credit card or prepaid card

Unauthorized charges/purchase on Tuesday XX/XX/2020 at XXXX XXXX   of {$100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX..And it said google refunded it but there is no trace of it being refunded back to Mastercard ending in XXXX XXXX I need my money now ...
Product: Debt collection

NPAS, Inc, XXXX, attempted to collect XXXX that was an error of XXXX XXXX XXXX XXXX in that the hospital failed to submit the necessary documentation to the insurer which resulted in the claim being improperly processed. It should be noted that the first bill we received for this amount came directly from NPAS and not the hospital billing department. I contacted NPAS prior to XX/XX/19 and told the rep that this bill was in error and it wasn't owed. I also asked to speak to a supervisor and was told that all five supervisors were busy. I told the rep. to take a message and have a supervisor call me back. I never received a call. On XX/XX/19, I had my wife call NPAS since she's the patient at XXXX XXXX XXXX XXXX being treated for relapsed XXXX. She told the rep. that it was an error and we didn't owe that amount and besides, we had already hit our catastrophic cap before that date of service for that claim. The rep refused to help and told the wife that she would have to dispute it with our insurer ( I am the policy holder ), but there was nothing to dispute. My wife told me what they told her, and I called back the afternoon of XX/XX/19 and once again explained we didn't owe that amount. I also asked the rep if NPAS was a collection agency and the rep denied they were a collections agency and told me that NPAS was an extension of the hospital 's business office. I once again asked to speak to a supervisor and once again, it didn't happen. At this time, neither my wife or I have heard back from anyone at NPAS. I XXXX   NPAS and it indicated that they are indeed a collection agency. So, the rep misrepresented that fact and lied to me. The only contact info I have for NPAS is the phone number XXXX and an address of NPAS, XXXX, XXXX. XXXX XXXX, XXXX KY XXXX. NOTE : I am the husband of the patient and I am filing this complaint on her behalf. I will enter her as the primary on the complaint and me as the secondary on the complaint in the contact info section of this submission.
Product: Mortgage

On XX/XX/2016 I received a letter from JPMorgan Chase Bank N.A . ( Chase ) stating that servicing of my mortgage loan will be transfer to XXXX XXXX XXXX effective XX/XX/2016. This was only a few days notice, not the 30 days as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX   system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial harm and diress.
Product: Checking or savings account

Capital One has claimed to have system issues since Wednesday XX/XX/year> around XXXX which they have appeared to delete my business checking account entirely and my personal account has has a direct depost from my employer Thursday XX/XX/year> for {$1200.00} and Capital One has no idea where it is. I had a direct deposit from XXXX XXXX Thursday XX/XX/year> or {$4400.00} from my XXXX and again Capital One has no idea where those funds are at. When I try to access my account on-line 90 % of the time it will not allow me to log into my accounts. When I can gain access there is no money in my account and my business checking account is still deleted and missing. I've called and was on hold for over XXXX hours and just keep getting a message they are receiving a high call volume and they are having issues with a third party vendor and are working on it. In the mean time they have returned payments for non sufficient funds because they lost my money. I have friends and co-workers experiencing the same issues and no one from Capital One is doing anything. It's not Friday XX/XX/XXXX at XXXX and I still have no funds and Monday is XXXX XXXX and the bank is closed. I have payments to be made and need food and have no access to my money. I've contacted the BBB and SEC and now you. Can someone help? Or find out if Capital One is bankrupt or just flat our stealing money from account holders? Please help.
Product: Mortgage

XX/XX/XXXX : Received payoff letter from Mr. Copper who is the mortgage service provider fo my mortgage. Payoff figure was good until XX/XX/XXXX XX/XX/XXXX Closed on sale of home located in XXXX, MA and closed on XX/XX/XXXX. 
XX/XX/XXXX Escrow company sent check via XXXX overnight to Mr. Copper. 
XX/XX/XXXX Mr. Cooper received check XX/XX/XXXX Mr. Copper cashed check XX/XX/XXXX Contacted Mr. Cooper and asked why mortgage has not been discharged. Was informed that payoff statement was incorrect and that there were not enough funds to payoff the mortgage. Was not provided reason for error and an explanation of how the {$1500.00} figure was reached. Informed Mr. Cooper that we would not pay additional funds until previous payment was applied to our account. 
XX/XX/XXXX Received notice from new service provider RightPath Servicing that account had been transferred to them and that they were demanding payment. Asked that our account being sent to escalation for resolution. 
XX/XX/XXXX Sent letter to escalation detailing transaction and providing documentation of payments XX/XX/XXXX Received response back from RightPath indicating they has received the letter we sent and that they did not find any errors and that we now owed them {$7800.00} to payoff the mortgage. There was no explanation as to how they arrived at this figure. They also included a new payoff statement that indicated they are charging interest for an additional 42 days after the loan had already been paid.