23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Well I noticed lot problem miss spell name other account list as decide I'm correct address that I never lived just lot puble goes up credit without consent just not safe any more got me on here not me only see my address other Miss spelling I was not born XX/XX/XXXX that person is dead I was born XXXX XXXX XXXX XX/XX/XXXX please fix all error
Product: Debt collection

RECEIVED NOTIFICATION THAT COLLECTION WAS PLACED ON MY CREDIT FILES. NO INFORMATION TO VERIFY OR VALIDATE THE DEBT WAS OWED BY ME. THIS IS IN VIOLATION OF FCRA.
Product: Debt collection

XXXX 2014 I received XXXX checks in the amount of {$1900.00} each directly deposited into my checking account. I withdrew the funds and did not find out until months later than they had insufficient funds. I had {$950.00} in my Suntrust account which Suntrust debited and charged the balance to my Suntrust Credit Card. I contacted Suntrust and informed them what happened and have been making monthly payments. My credit card was connected to my checking account for overdraft protection. The checks are being invested by XXXX XXXX Fraud department and XXXX XXXX Police. Suntrust has called me XXXX times to collect the debt. They are aware of what happened and I am making payments monthly but they have continued to call me although I have asked them not to call me. I am currently on XXXX with many medical problems and I am not suppose to get stressed. I consider this harassment because there is nothing that I can do because I am not employed. I have paid them {$900.00} within the past 3 weeks and it does n't seem to matter. I banked with Suntrust for 36 years and I expected to be treated better than this. They have treated me like a criminal. My credit card limit was {$6000.00}. The additional {$3900.00} made my account over the limit. I am being harassed for the overage.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights 15 USC 1681 section 602 States i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC1666B : 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

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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX XXXX # XXXXXXXX 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  and XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX # XXXX and XXXX 15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 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 REPORTS CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATESYTHE REPORT BY MORE THAN 7 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 THE INFORMATION IS INACCURATE
Product: Credit reporting or other personal consumer reports

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 
XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 






XXXX inquiry was not authorized XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquiry date XX/XX/XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 

Thank you, XXXX
Product: Credit card

I sent a debt validation letter to the company requesting information to verify the alleged debt. The company never responded so I sent a notice of intent to sue in which the company still didnt respond.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I received a fraudulent text and phone call from a spoofed phone number posing as Chase Bank. The person over the phone gained access to my account and also instructed me to wire money into an account which was labeled as a new account for myself. Thinking this was really Chase, I followed through - wiring over 12,000 dollars. Hours later my account was locked so I called Chase for myself to find out this was a scam. That same night, I reported the fraud. We are now at XX/XX/23 and there is no resolution. I have repeated the information to Chase several times now with no end in sight. Supposedly, a wire recall as been initiated but they have not given me an update. I just need my money back because I emptied my account that day. I have reported this to my local police department and the FBI as well.
Product: Credit reporting or other personal consumer reports

There were several attempts from the creditor to have me apply for additional money, without indicating how much would be allowed to me and why I was denied. This was a request from both XXXX XXXX XXXX and the XXXX XXXX XXXX  for a XXXX XXXX loan. I was denied without a reason for the denial and the request hit my credit report more than 3 times. I was also advised to submit a XXXX twice, without having an approved credit line. I would like this malicious account removed as I was not advised that this would be considered a hard inquiry to negatively impact my score whether approved or denied.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent. I was also a victim of XXXX and XXXX data breaches. Please remove all listed fraudulent accounts from my Experian credit report immediately. And attached is a copy of my identy theft report. 

XXXX XXXX {$440.00} Account # XXXX XXXX XXXXXXXX {$460.00} Account # XXXXXXXX XXXX XXXX {$470.00} Account # XXXXXXXX XXXX XXXX XXXXXXXX {$4500.00} Account # XXXX XXXX XXXXXXXX XXXX {$790.00} Account # XXXXXXXX XXXX XXXX {$1100.00} Account # XXXX XXXX XXXX {$200.00} Account XXXX XXXX XXXX XXXX {$1000.00} Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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 without my written instructions.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions.. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX we sold our home in California, we had received help beforehand from HUD in the form of a subordinate deed of trust, understanding that when sold the sub becomes primary and is paid out first before any monies are paid. 
The title company WFG Financial gave us written assurance that 1 ) they were now responsible for paying said Sub and 2 ) that the amount withheld was sufficient for the Sub and Prim deeds.

I refused to sign any paperwork until I was assured this was delt with and we were free and clear. We closed XX/XX/XXXX, XX/XX/XXXX I get notified that the US Treasury is going to garnish my wages due to the HUD subordinate deed of trust not being paid, I have spent a year now dealing with WFG Financial, The Escrow company, XXXX and XXXX XXXX  about this issue and have been threatened with lawsuits, ignored and denied service, this lein is still upon the property in XXXX California to this day, the sale was not recorded with HUD by title and has sold twice with a dirty title.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. 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: Debt collection

According to my personal records, Sun Trust bank always harass, threaten, contact me during night such as XXXX - the way same as some other criminal nuisance in Washington DC XXXX In the past, I already notified this bank to stop sending me emails during night especially during the mid night such as XXXX. However this bank never change its harassment and threat nature. Instead this bank constantly use false excuse such as charge monthly maintenance fee to steal money from my personal checking account. I have notified this bank at least 5 times in writing asking them to stop interfere the matters which were totally irrelevant with Sun Trust. ( see attachment ). Most recently, from XXXX, XXXX, XX/XX/2019 this bank used false excuse such as deduct XXXX  XXXX   monthly maintenance fee to constantly threaten me as a bank 's customer. In the past, I already filed two formal complaints with CFPB accusing Sun Trust bank 's criminal activities. Its behavior and conducts already committed criminal harassment, threat, intervene, interfere, bullying etc. toward me as a victim. Its criminal behavior was exactly like a funeral truck who carried two lines of lights driving toward me at end of 2019. That truck was attempted to access me just like the way Sun Trust deducted money from my checking account in XXXX, XXXX and XX/XX/2019. As I informed Sun Trust, you must pay all my damages {$25000.00} harassment charge for total at least 4 times. Insufficient promotional bonus {$500.00} for the year 2019 when customer like me completed 10 debit purchase and at least {$500.00} direct deposit. Plus under my urgent and extremely serious complaint to CFPB three times to ask return {$20.00} stolen money from my checking account. Until now you have not returned yet after you received my complaint 4  days already except the previous complaint in XXXX and XX/XX/2019. My attitude is very clear and my action is firm, I am NOT going to concede or deduct a penny toward your constant criminal activities. I am being harmed on the monthly basis. And I have great concern about my safety of deposit. As I informed you, the earliest you pay all my claims filed to CFPB as well as the claims filed to mycardbenefits, the earliest I will leave. If you want to interfere some other criminals matter then the default judgment owed by the other States is your debt : {$5200.00} XXXX plus 20 % interest and criminal restraining order & permanent restraining order ( Please do NOT send me emails or any contact during night. Opt-Out all marketing materials and contact such as call, email, mail, fax etc. ) I am NOT willing to concede. I am NOT willing to deduct a penny. As I said my decision is FIRM.
Product: Debt collection

I had a medical bill in which the first invoices were not received via mail, I paid subsequent invoice off in full directly to medical vendor after receiving subsequent bill. Later on I notice a collection debt from Grant mercantile agency on my credit reports for collection. I have tried to dispute this, it lingers on my credit reports for something I do not know of or owe, should n't have to pay and need help to get this removed as they are refusing to remove a XXXX dollar derogatory charge.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit 15 U.S. Code 1681 I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Transunion 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 receiving this complaint. This fraudulent, inaccurate and false information consist of 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, these accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. Ive attached a letter and affidavit showing fraudulent items.I do not recognize the aforementioned accounts, collections and are a result of identity theft, and fraud, they were not opened, made or initiated by me. I have attached a copy of the FTC identity theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are a result of identity theft and fraud. I have also attached a letter that they totally ignored a few months ago
Product: Credit reporting or other personal consumer reports

I noticed on my credit report that there was fraudulent activity across all bureaus. This is effecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX  Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.
Product: Credit reporting or other personal consumer reports

I have been a customer of XXXX XXXX XXXX since XXXX, I love that they have given me a second chance to reestablish my credit so that I can obtain employment, housing and a new vehicle someday. However, I was XXXX from multiple XXXX between XX/XX/XXXX to XX/XX/XXXX which left me without income to pay my bills or anything else ; I have NO ONE TO RELY ON due to being disowned by family and what I thought were friends. In addition, I was evicted from my place of residence because I got too behind on my XXXX leaving me XXXX since XXXX of XXXX, I have NOT BEEN ABLE to get employment or anything BECAUSE of the late payments placed on my credit reports and I HAVE WRITTEN TO THE CEO ALONG WITH UPPER MANAGEMENT TO RESOLVE THIS ISSUE. THEY CLAIM TO UNDERSTAND MY SITUATION, HOWEVER THEY HAVE DONE NOTHING AND RENEGAGED ON THEIR PROMISES TO HELP ME OUT!!! I HAVE WORKED SINCE THE AGE OF XXXX DESPITE MY CIRCUMSTANCES AND NOW I AM UNABLE TO WORK DUE TO THE XXXX THIS SITUATION WITH XXXX XXXX XXXX ALONG WITH MY OTHER CREDITORS HAVE CAUSED ME. I AM CURRENTLY XXXX AS MENTIONED WITH NOTHING TO SHOW FOR IT, I AM ON XXXX XXXX THAT I TAKE TO REMEDY MY XXXX XXXX ISSUES BUT I AM STILL UNABLE TO WORK, I HAVE APPLIED FOR ALL ASSISTANCE TO EVERY CAPACITY HAVING BEEN TURNED DOWN BY EVERYONE AS MY SITUATION IS MORE ADVANCED THAN THEY CAN HANDLE AND I AM ASKING FOR THEM TO REMOVE ALL OF THE LATE PAYMENTS ON MY ACCOUNTS ALONG WITH REIMBURSEMENT OF {$480.00} IN LATE FEES TO BOTH OF MY ACCOUNTS AND PAYMENT OF {$140000.00} IN LOST WAGES DUE TO NOT BEEN ABLE TO WORK OR ANYTHING. IF THIS DOES NOT GET RESOLVED WITHIN 30 DAYS, I WILL FILE A LAWSUIT AGAINST THIS COMPANY ALONG WITH AN ADDITIONAL PAYMENT OF {$30000.00} IMMEDIATELY.
Product: Checking or savings account

The Discover Bank sold me ( and thousands others ) a checking product called their " Cashback Checking '' account. The primary selling points of this account was called XX/XX/XXXX. The account holder would earn XXXX cents for each of the following transactions ; a cleared check, an online bill payment, or a debit card transaction. These selling points were the reason I opened the account in the first place. 

In the last month or so, I started receiving correspondence from Discover Bank that they were restructuring the Cashback Rewards program. The letters and emails read that they would pay 1 % cashback on debit card purchases instead of XXXX cents per transaction. Just yesterday I received an email stating in the fine print that not only were they changing the debit card portion, but the entire XX/XX/XXXX program will be discontinued beginning XX/XX/XXXX. I will no longer earn a dime when I write a check or do an online bill payment. 

I am furious at Discover Bank for pulling a bait and switch on me. They tout their new program as better because it has a higher monthly rewards cap of {$30.00} instead of {$10.00}. I do n't care about that. With the way I 've structured my spending, this change will greatly work to my detriment in the rewards I earn. They are fundamentally changing terms of what I agreed to. 

I called Discover Bank customer service to voice my complaints and find out if I could opt out of the new program and keep the terms I agreed to. They thanked me for calling and said they would file my complaint.
Product: Payday loan, title loan, personal loan, or advance loan

Predatory Lending Practices by InstaLoan Over the last year and a half, I have had a title loan outstanding with InstaLoan of XXXX XXXX XXXX, FL. I have since paid over {$3000.00} towards the principle interest and monthly fees in order to keep the loan " current ''. The original loan amount financed was for {$2500.00}. The terms of the loan have made it increasingly difficult to pay it off in full as required which is at the end of the month. After making several attempts to talk to the lender they have refused my offer to make smaller payments over the next XXXX  months to payoff the loan and are threatening repossession of my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of my lease I made a full payment to Volvo Financial for {$1400.00} under confirmation # XXXX for account ending in four digits XXXX. However Volvo Financial reported my account to credit bureaus as Collection/Charge Off despite receiving the full payment. This is negatively affecting my credit score and impairing my ability to secure mortgage financing that I desperately need during Covid. Despite my repeated attempts to have them correct the situation they refuse to do so.