23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

There was unauthorized transaction of {$720.00} has been done with XXXX linked with truist debit visa card on XXXX. I inform the bank to immediately stop the payment. They deactivated my XXXX  card and start processing my claim. during the processing they have credited my account with {$720.00}. After fifteen days they come to the conclusion and said that the transaction was valid. After this statement they have debited my account with {$720.00}. Due to this action got two hit of OVER DRAFT fees of {$72.00} ( $ XXXX+ {$36.00} ) on my account by the bank, because my bill was due at those date and due to insufficient balance in my account the bank has payed on behalf me and charge me {$72.00}. 

On the Otherside I called XXXX and asked about this transaction. they sald we have stop/block the payment if your financial institution send us confirmation then we can transfer this funds to you account. Unfortunately the bank has refused to send confirmation to XXXX and XXXX also refused me to send fund in my bank account. I called many time to my bank fraud specialist or fraud analyst and the XXXX but all in vain. 
Here is the case # Truist Bank # XXXX XXXX # XXXX Vender Name ( where the transaction XXXX  ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for an {$8000.00} loan after I had just paid off my {$50000.00} car loan with them and they would not grant my the loan.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : INQUIRIES : XXXX XXXX XX/XX/year> : Account Name : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX  XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance {$9000.00} ; XXXX XXXX XXXX XXXX  Balance {$25000.00} ; XXXX XXXX  Balance {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$24000.00} ; XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00}
Product: Checking or savings account

I ordered a cashier 's check from my bank. Capital One on Riday XX/XX/XXXX. On Monday XXXX XXXX, I received an email from Capital One that my account was restricted due to suspicious activity. The email was received at XXXX ; XXXX XXXX  Central time. I called them at XXXX XXXX  central time. The representative I spoke to informed me that the suspicious activity was my ordering of the cashier 's check. I informed that that I did indeed order the check. They then told me that they had stopped payment on the check already- before even speaking to me. Based on this information, I was forced to make my property tax ( which the certified check was intended for ) payment using a credit card and incurring a {$71.00} service fee. 

I then tried to determine when I would have the funds from the cancelled certified check back in my account including the {$20.00} service charge for sending the check. The customer service rep told me the funds would be back in my account by XXXX XXXX XXXX XXXX. 

I check my account this morning XXXX XXXX and then funds had not been restored. Subsequently I called Capital One again. I was disconnected twice before finally getting someone on the phone who I asked not to put me on hold. She informed me that it appeared the certified check had not been stopped but was still valid. Which basically meant I would be double paying {$3300.00}. 

Fortunately I was able to reach the recipient of the check, XXXX XXXX, Treasurer for XXXX PA and they agreed to send the check back to Capital One. 


I requested from Capital One that since the check should now be stopped and the check was being returned that the funds should be placed back in my account immediately. I was informed by the customer service rep that it would still probably take several business day but since the check was being returned I would not have to complete an affidavit. 

Unfortunately the customer service rep I spoke with did not have the authority to fix this and she said the people who could fix this were not available for me to speak with. 

Subsequently I received an email requesting the I complete an affidavit for a lost, destroyed, or stolen cashier 's check none of which apply to my situation. The affidavit als said that I would indemnify and hold Capital One harmless which I am not willing to do since this whole situation arose from their mistakes. 

The case # for this is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was fraud with fXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle will not allow me to send or receive money. I have to use this app to send money to family members to get important items such as groceries while I am at work. This has been happening since XX/XX/year>.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 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. 

DEPT OF ED/XXXX  : # XXXX XXXX  XXXX XXXX : # XXXX 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 a account witout 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 od 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, credit repair services, or other personal consumer reports

There is unauthorize Hard Inquiries that I didn't give consent to pull my credit and I didn't sign or verbally gave no credit companies no authorization or consent.

Companies has to provide Federal Government and me a copy of my hand written signatures on those hard inquiries and inquiries on my credit report with XXXX, Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently allowing the collection agency XXXX XXXX  to report a collection account on my credit file as an open RETAIL revolving account with a Late status and negative balance. 
Its not listed in collections its listed under other accounts. This is a collection agency that has no right to report a debt as an open revolving account. I disputed and contacted XXXX and they state to me that i must take the dispute up with the CRA reporting the account. This is incorrect reporting and should not be allowed by a collection agencies - its unlawul practices. also They are reporting this alleged collection account with a past due balance of {$110.00}. It is reporting that I pay as agreed for the following months XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, and XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX- how can a collection account report as current? It was Marked it as a collection account XX/XX/XXXX but then states that the date of 1st delinquency is XX/XX/XXXX? I never acknowledged this account nor have I given them a dime- this company has unlawful practices and EQUIFAX is reporting this account inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaints is with XXXX. In XX/XX/2022 my credit score was up to XXXX. As of today it XXXX. It's dropped tthat far. All credit cards and loans are paid off. They will not give me viable explanation as to why. See attached docs The one from XXXX XXXX was reported as paid off, yet they still show it open.
Product: Debt collection

I have 7 collection amounts listed by XXXX XXXX  XXXX XXXX. They never contacted me, I received no voice messages or letters. I learned about them from a credit report retrieval. I've been paying XXXX $ a month to them to get this resolved, yet I still haven't ever gotten an account statement. When I try specifically to pay on one of the 7 collection amounts on my credit report they tell me that it's listed as a lump sum in one account. If this is so, why are their 7 different collections listed and if I do have 7 different collections why can't I pay one each one individually?
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is XXXX XXXX XXXX and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Transunion have violated my rights by using in accurate and inconsistent information across the 3 bureaus. From dates open to incorrect balances nothing is making sense, and I am asking that all accounts be deleted .According to the consumer financial protection bureau and by law the fair credit act 15 U.S.C . Sec. 1681i ( a ). That if you can't provide proof and if the information is inaccurate, these accounts must be deleted.
Product: Debt collection

The bank sold my information to a collection agency, and I have requested a copy of the debt of validation, the debt of verification and a purchase of agreement between the bank and the collection agency all three of which I have not received
Product: Mortgage

OCWEN Mortgage company is refusing to address an over-charge for wrongly calculated escrow of taxes and insurance. We have NEVER missed a payment but they are applying our payments to some sort of holding account and not giving us credit for prompt payment. Please help us obtain the address of their registered agent in New Jersey, so we can file a small-claims lawsuit and get this resolved. The problem has been festering for 6 long months. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO CORRECT A DISPUTE
Product: Debt collection

TSC Accounts Receivable added a collections account to my credit reports on XX/XX/2021. I had perfect credit before this and paid all of my bills on time, so I was shocked that I was not contacted nor aware of any debt owed by the original creditor, XXXX XXXX XXXX. I was never contacted by TSC regarding the debt before it was published to all 3 credit bureaus, which is a violation under the Fair Debt Collection Practices Act. Had I been properly contacted and they provided proof that I owe this debt ( see below ), it would have been settled before they took extreme measures to ruin my credit. 

I sent a debt validation letter to TSC to try and verify the debt they are claiming I owe. It was certified mailed on XX/XX/2021 and received by them on XX/XX/2021. To this day ( well over 30 days past the Fair Debt Collection Practices Act deadline ), I have never received anything verifying that I owe this debt. 

According to the FTC, they are in violation of " Debt Parking, '' which is an illegal practice where collectors post debts to people 's credit reports without first trying to contact them.
Product: Credit card or prepaid card

Hi, I started a dispute for a purchase which was never delivered and after submitted the proof and waiting for more than 1 months, the claimed was denied. I was only notified because there is payment due. 

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

On XX/XX/2018 I sent a certified letter notifying your company that youve listed erroneous information on my credit file but you ignored for several months, you sent a letter stating that it was verified but to my knowledge I dont recall owing a debt to your company. If you look up my name you will see several people with the exact same name. Please dont compromise my name with anyone else. In order to conduct this matter correctly, I have taken legal actions against your company for violating my rights under the FCRA. Your company has violated more than just a few FCRA laws. You have also violated my right by using my consent without contacting me off such a debt or erroneous account displaying on my credit file. I have attached a letter to this message. I prefer to take this matter to court to get this resolved immediately and removed permanently. I am very disappointed that as a company you tried to collect an erroneous debt not owed by me and you consistently harassed me by phone, sending someone to my job, calling my job and also trying to place a lien on my account. For that reason I am suing your company and I am seeking {$5000.00} for damages you have caused to my credit file. I must admit that I have experienced being a victim of identity theft, I was affected by the breach with XXXX  and a few more other companies. I am allowing 72 hours of a response upon receipt for an internal dispute to take place for this matter. I am also sending this as an affidavit so I should hear back from your company within 3 days if not the filed lawsuit will remain as is and the dates as well.
Product: Debt or credit management

I was looking for a debt settlement service called Briteside Solutions. I talked to a representative and she explained me about the services and I agreed to a further call with a personal advisor and agreed to the fee. 

The fee was supposed to be paid on XXXX of XX/XX/year> and I postponed it to XXXX of XX/XX/year> after a scheduled call with the personal advisor on XX/XX/XXXX. But the advisor missed the appoitment on XXXX and rescheduled it to XXXX. 

My money of XXXX $ got debited on XXXX and I immediately called and asked for a refund as I didn't receive any service yet. 

I also researched a lot about this service online and many people faced this scam. 

Please try to get back my money.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and my personal information is incorrect. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802. I am now, immediately and indefinitely, OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX, XXXX AND INNOVIS written, unwritten, verbal or nonverbal to report my nonpublic personal information to a third party. 

XXXX, XXXX AND INNOVIS terms and conditions, they agreed not to share my information with non-affiliates. The alleged personal information on my credit reports are from nonaffiliated of XXXX, XXXX AND INNOVIS nor are they " bureaus ''. The only true credit bureau is the CFPB, and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. 

Per the Federal Credit Reporting Act as a federally protected consumer, per 5 U.S. Code 552a ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be. I never gave written request by, or with the prior written consent. Per 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 

This is the only authorized personal information that I consent to have listed on all credit reports : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX PHONE : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX South Carolina XXXX Dear SELF / LEAD, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), and identity fraud laws, specifically South Carolina XXXX XXXX XXXX. 

It has unequivocally come to my attention that SELF / LEAD has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). 

In addition to federal law, South Carolina XXXX XXXX specifically XXXX XXXX of the South Carolina XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, identity fraud laws, such as South Carolina XXXX XXXX XXXX, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SELF / LEAD to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELF / LEAD immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and Section XXXX of the South Carolina Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and South Carolina XXXX XXXX This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SELF / LEAD will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.