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

I have sent multiple disputes to the 3 major credit bureau requesting to have my credit file corrected from all inaccuracy.

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 instruction. 

Reporting a debt as charged off, when it was settled or paid off. 

Reporting late payments when your payments were timely. 

Reporting old debts as new ones. 

Reporting that an account was active after it was voluntarily closed by a consumer. 

Inaccurate statement of balance due. 

Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed several inaccuracies. These inaccuracies are hurting my chances to obtain credit.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX, I fell victim to a multi-layered scam operation run by Coin gold ( the Company ), which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of TD Bank to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and frustration regarding the second attempt to remove the fraudulent items from my account. As a loyal customer, I expect a swift and thorough resolution to any issues pertaining to fraudulent activity on my account. 

It is deeply concerning that despite your assurances, the fraudulent items have not been effectively removed from my account. This not only reflects poorly on your company 's ability to safeguard its customers ' accounts but also exposes me to continued risk and inconvenience. 

I insist that immediate action be taken to rectify this situation, including conducting a comprehensive investigation into how these fraudulent items were allowed to persist despite previous attempts to address them. Furthermore, I request that appropriate measures be implemented to prevent similar occurrences in the future. 

I urge you to prioritize this matter and provide me with a swift and satisfactory resolution. Failure to do so will leave me with no choice but to escalate this complaint to the relevant authorities and seek further recourse. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

So due to XXXX  XXXX by my ex-husband and a series of events, I was given up for permanent protection order in XXXX and I was also given a new XXXX XXXX number in XXXX so he can not stalk me intimidate me kill me and I opened up a checking account at Navy Federal credit Union over XXXX years ago I applied for a credit card on Thursday was approved on Thursday, XXXX XXXX and I was not able to get into my account. There has been no emails no communication from them whatsoever. I called on Saturday. They said that my money has been frozen and theyre not giving it back. I called on Monday and spoke to someone in security fraud. They told me that my account was closed due to fraud. I asked if I could send my XXXX XXXX number in or get that verified and she said no she would not take my card because it can fraudulent. I asked her how long it will take once I have the paperwork in and she said there is no timeframe. It could be 30 days have to give me any information. I asked if they were going to keep my money and she told me that as of right now yes. I understand needing to be due diligent due to the way the world is right now, but for somebody that has had XXXX XXXXXXXX against them and had to go to this extreme to keep myself and XXXX XXXX  safe and alive and this is what I get XXXX years as a customer theyre deeming my account fraud because after XXXX years, they now decide to verify my social and when I ask them if I can send a copy for verification, they told me no.
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 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), another personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), and a Charge-off account opened at XXXX XXXX XXXXXXXX with a XXXX XXXX {$730.00}, and another Charge-off account opened at XXXXXXXX XXXX  with a balance of {$610.00} XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

XXXX XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX TO, XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I opened a Treasury Enterprise Plan business account with PNC Bank in XX/XX/XXXX. During the period, there was a promotion running where it stated that I needed to open the account between XXXX and XX/XX/XXXX, deposit {$30000.00} in funds and maintain the balance for 3 billing cycles to get a {$500.00} welcome bonus. It is now XX/XX/XXXX and I still have the {$30000.00} in the account and no bonus has been paid. When I contact the bank, there is a lack of respnse back while they " look '' at it. I also was given a phone number for someone in retail banking support and when I call they never answer and voicemails are returned but with weeks in between. The local branch manager has been someone I have talked to and he is trying to nickel and dime with with the fine print even though he has not read the fine print and coming to me with items that are not listed for the Treasury Enterprise Plan business account such as transaction requirements. I have attached the terms email that PNC Bank sent me back on XX/XX/XXXX. This account is opened as a sole proprietorship and I am doing business under my name and using my residential address.
Product: Credit card or prepaid card

I am home sick with XXXX, and haven't been to work. So, I received a phone call from XXXX XXXX  about my XXXX Credit Card. They told me, that my account is 90 days past due. I told the representive that I couldn't make a payment until XX/XX/22. I have not received my credit card statement in the mail, or via email. The last statement in email is from XXXX of XXXX. The representative told my whole balance was due of XXXX without an invoice, or a letter. 

I asked for a letter, and she refused saying that my entire account balance was due. I have not received my statements, and she kept stating yes I have, and that the letter is my statement. i know my right under the Fair Debt act. So, again i asked for a letter, and she said No. 

I did pay XXXX online today to hold my account, until i get to work, after having XXXX. 

I don't remember making a promise to pay by a certain date, which she stated as well. Knowing that I haven't felt well, I might've made the promise to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Social security administration reporting on XXXX and experian reports payment history is inaccurate. Currently Garnishment twice a month as well as voluntary payments being made.
Product: Money transfers

Hello, Upon reviewing my XXXX XXXX business checking account to prepare for second quarter financial statements I noticed XXXX unauthorized ACH debits on my account paid to the merchant USAA. Upon noticing this fraud, I reviewed my personal account and found an additional XXXX. The detail on the bank statements for these XXXX charges are as follows : XX/XX/2016 USAA XXXX {$10000.00} XX/XX/2016 USAA XXXX {$5200.00} XX/XX/2016 USAA XXXX {$5200.00} XX/XX/2016 USAA XXXX {$5100.00} XX/XX/2016 USAA XXXX {$5000.00} XX/XX/2016 USAA SAV-XXXX {$5000.00} Until I saw these debits, I had never heard of USAA let alone do business with them or authorize them to take any money from my accounts. I understand they are a financial institution for military people. I have never been in the military, nor has anyone in my family. The individuals listed above in the transaction detail are unknown to me.
Product: Credit card or prepaid card

Capital One - XXXX applied for the XXXX XXXX that has a {$200.00} bonus after spending {$500.00} or more. There were 3 options, this one, one with an annual fee, and one regular card with no bonus or benefits. I applied for the {$200.00} bonus card as I have done many times before with banks. I have never been declined for these cards before. Sometimes I get a high limit, sometimes a low limit. But I have never been declined for a credit card with bonus points. I have excellent credit and income as well as investment assets. I received a decline notice and they offered me the regular card with no bonus. I don't want that card, and never would have applied for that card. I know I'm not a bad credit risk and nothing in my credit profile would say so. I received a decline letter after inquiring directly with customer service, since they did not provide me any feedback. The decline letter states " too many new revolving accounts ''. This isn't a legitimate credit risk. What this appears to be is a way to bait and switch by giving me a card that would not cost them the {$200.00} bonus they advertise and instead give me a basic card that doesn't cost them the bonus rewards that are promised. I would bet that this is a common tactic and there may be thousands of other consumers like me who have perfectly good credit but are denied after being enticed into applying for an offer. I have never seen these reasons for declining a credit request in my entire life, and I have worked in consumer finance before. It is almost an admission that they know I have other cards and would not be using theirs as much as they would like to offset their cost of customer acquisition. But that is not my problem, they should not advertise the rewards if they don't want to pay.
Product: Checking or savings account

I have a contract to install 320 yards of carpet in a customers home. They gave me a check for XXXX I deposited the check in a branch atm. The receipt stated the check has an error. I called right away. The atm customer service rep stated that I make large deposits all the time and I shouldnt have any issues. Today I brought the contract into the branch where I made the deposit. Now the funds wont be released until XX/XX/18. My customer called XXXX and they already released the funds overnight. The customer, wanted carpet for XXXX. I need your assistance or I wont do business with this bank anymore.
Product: Checking or savings account

I scheduled a appointment with XXXX XXXX XXXX XXXX at Keybank XXXX XXXX XXXX. To discuss my unemployment benefits account set up thru Dept of labor. I wait out side on line when I got in side at XX/XX/XXXX no one was there. I called numerous times only to get disconnected after waiting 2 hrs on hold each time. Finally I speak to a nice guy named  XXXX, I explain that I have {$6000.00}. in my checking account and requested my account number. He did not have access to my information. I have no Account number, no Debit card, no money. And in order to get a supervisor to call me back I have to pay a fee. My Unemployment benefits have been held hostage in KeyBank since XX/XX/2020.
Product: Mortgage

I submitted a complaint with the CFPB on XX/XX/XXXX, concerning my mortgage servicer, XXXX XXXX ( now " XXXX XXXX '' ). I had many concerns about the company, and had still never seen any paperwork about my loan, other than the original documentation from XX/XX/XXXX, when I originated the loan with XXXX XXXX XXXX. Within two weeks of filing the complaint, I was informed that XXXX XXXX had sold my loan to XXXX XXXX. They apparently took over the account in mid XX/XX/XXXX, but it is now past XX/XX/XXXX, and I have yet to receive any correspondence from XXXX XXXX. I do not know the terms of the loan, or the amount of my monthly payment. Beside the fact that XXXX XXXX is the target of multiple on-line complaints, my main concern remains the same. Why ca n't anyone provide any type of documentation about my mortgage. Yes, I took a loan from XXXX in XX/XX/XXXX. But now, after 16 years and 4 mortgage companies, I seem to owe as much as I borrowed, and the only loan documentation is the original one from 16 years ago. I hope you can help. 
Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully -Defamation my Character - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ).

The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. ***** ( copied from the affidavit attached ) ******
Product: Student loan

I have been a teacher for the past 11 years. I qualify for a loan forgiveness of {$5000.00}. I have filled out all appropriate paper work 4 different times. When I call to see why it has been denied they told me that I do not qualify, I dont have enough experience teaching, or my paper work wasnt filled out properly. Now I havent heard from Navient about my most recent attempt to get the loan forgiveness in 4 months.
Product: Credit card or prepaid card

I have a Jet Blue credit card through Barclay 's Bank for a few years. I used it and carried a modest balance. I have never complained about the interest rate and paid my bill on time. About two months ago, I purchased some furniture. Not thinking about it I decided to put a piece of furniture on this card. I am not sure what I was thinking really but I certainly did not think that I would get no promotional rate at all! Most cards offer this on new purchases for at least six months to possibly a year! If I would have known this or realized it I could have financed the furniture through the major retailer, I purchased it from or opened a credit card through them with a 0 %. I have good credit. I would have qualified for the financing or the credit card for sure. I seen when making my last payment online that I am now paying {$35.00} per month in interest. I was stunned. I contacted the bank immediately through their online messaging asking if something could be done. I am experiencing a hardship as it is. I don't want to have to go into a settlement with this card and ruin my credit. This is unreasonable. I want something done and the high interest refunded for the XXXX months or I am going to have to make an unpleasant and serious decision as I am not going to be able to pay my bill..
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. 

Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am disputing account number XXXX with Portfolio Recovery Associates because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Portfolio Recovery Associate to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

Experian notified me that thy are working on XXXX more issues that are exactly like the 7 they closed yesterday and the 8 they are still working on which means ABSOLUTELY NOTHING because they are doing nothing about the problem which is Experian has stolen 18 now almost 19 months of on time never late payments to XXXX and refuse to give them back but still close complaints without doing anything
Product: Checking or savings account

My account got closed over 6 months ago. Discover says I don't owe them any money but whenever I ask the usually very nice customer service reps why my account got closed or if I can open another one they turn into ice cold emotional robots spewing out the same company policy line. 

I feel like I have a right to know why my account was cancelled. I did a lot of business with them and I feel like this is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> someone used my information to apply for a credit card in my name at Bank of America.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible.