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

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 that states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, I am the consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 that 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, Nordstrom and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 in 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  and Nordstrom and the Consumer reporting agencies XXXX, XXXX, and XXXX did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) clearly states " 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, Nordstrom and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A also 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. And 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, XXXX, and XXXX are not maintaining reasonable procedures. 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. Thank you.
Product: Checking or savings account

i was robed and atm and my pin number was demanded which the suspect withdrew funds from my account as instructed by td bank, i filed a dispute and td bank denied my claim stating that i gave out my pin number, however it was a life threatning cituation and the transaction were unauthorized, td bank failed to propaly investiagte my claim
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B 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: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint against CreditFresh regarding the predatory nature of the loan I have with them. I have experienced several issues and concerns that need immediate attention. I took the loan out in XX/XX/year> to pay for emergency expenses. while the paperwork explains the repayment process, it does not explicitly tell how the payments get allocated. Out of a {$270.00} payment, only {$50.00} goes towards the principal, which is unacceptable. This breakdown was confirmed by a representative from CreditFresh, who stated that my minimum payment of approximately {$270.00} includes {$220.00} in billing cycle fees and only {$50.00} towards the principal. This practice is not only unreasonable but also indicative of a predatory lending scheme. Furthermore, I have been unable to change my auto payment method to a different bank account due to their restrictive policies. The responses from CreditFresh have been inadequate and fail to address the core issues. I am requesting a thorough investigation into these practices and immediate action to rectify the situation. The allocation of payments towards fees rather than the principal is not only unjust but also places an undue financial burden on me. At this rate, I will be paying on this loan for 12 years, with a total of {$40000.00} being paid back for a $ XXXX loan. Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit card or prepaid card

Based on American Express nonperformance of fiduciary duties and ignorance of the law : Performance in Good Faith : I expect American Express to fulfill its fiduciary duties by promptly performing all obligations to the PRINCIPAL 'S account ending in XXXX and XXXX in good faith. Principal Account Reinstatement and Opening : American Express must immediately apply the funds to the open the account ending in XXXX and XXXX, which was both wrongly not credited or rendered inaccessible due to American Express fraud department ignorance of the law. I submitted a negotiable instrument in switch American Express did not accept without any detailed explanation. They stated that the payment was non negotiable but did not state what made the payment non negotiable. In a detailed manner I am asking what made the negotiable instrument, non negotiable? If not acceptable my next steps are to sue the company for damages because this is harming me from excelling in life and buying a car and home for myself because of the ignorance of the law. The negotiable instrument had everything that was needed to have the money sent to them. Under UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX CARD XX/XX/2021 XXXX XX/XX/2021 XXXX CARD XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Sections 611 and 1681i, you are legally required to ensure that all information reported is accurate, verifiable, and complete. The item in question is as follows : Account Name/Number : [ Provide creditor and account number ] Issue : [ Explain the probleme.g., incorrect balance, account not mine, account reported late, etc. ] Date of Inaccuracy : [ Specify the date of the error ] This inaccurate reporting constitutes a blatant violation of my consumer rights under the law. Enclosed with this letter, you will find detailed evidence supporting my claim
Product: Student loan

I have almost completed my XXXX in XXXX in XXXX to find out that 1. ) I do not need a degree To work in the XXXX only a XXXX and XXXX, a certification. Which neither is included into anything that came from my student loans. 
and 2. ) That now that I basically will be having a degree that means nothing and student loans that I can not afford, my credits will not even transfer to a different college to get another degree. I had to stop working and everything to focus on school and actually ended up stop working just to rack up a huge bill for nothing. I have XXXX kids and this has taken not just from me but also them and their future.
Product: Checking or savings account

On XX/XX/2021 ; I called TD Bank Customer Service to inquire about problems accessing my online banking. This has been after two weeks of attempt to resolve this issue. I lost my phone on a Subway train in XXXX during on XX/XX/2021. Because of that, I had to get a new phone and a new number. I have not been able to log into my account nor receive any assistance in doing so. Their verification questions are impossible to answer because I haven't made a transaction in a branch or ATM since the beginning of XXXX. I left the XXXX of Massachusetts for school on XX/XX/2021. Therefore, because of that I can not remember the amount of transaction. 

TD Bank has been impossible to work with and they have failed to resolve my issue, despite my kind requests. They are not America 's most convenient bank. When I called on XX/XX/2021, I was told that because I am " outside of the TD Bank footprint '' that I would need to go into a branch physically. They are failing to show any consideration that I am a college student out of state. To go to a branch physically, would cost be large amounts of money just to solve a single issue. They are being disrespectful, discourteous, and quite frankly terrible customer service. 

TD Bank needs to be held accountable and taken to task for their horrible customer service. All I'm asking for is to be able to access my online banking. They are making it more difficult then it needs to be.
Product: Credit reporting or other personal consumer reports

FCRA viloaltions not mine not my credit cards XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$820.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Account charged off. {$730.00} written off. {$110.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. Deferred, payment date not reported. 
XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$520.00} Status Account charged off. {$300.00} written off. {$500.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$190.00} Status Account charged off. {$190.00} written off. {$190.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Collection account. {$730.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$820.00} Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$370.00} written off. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310.00} Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
not my auto loan XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Repossession. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4700.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$11000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family not my phone numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX not my inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Checking or savings account

My car was impounded multiple times due to the bank applying multiple overdraft fees which caused my account to be negative when planned/auto payments were already made. I paid repossession departments, towing yards and other fees that could've been avoided if the bank did not make multiple overdraft fees in my account. 
I paid over {$1400.00} plus extra {$300.00} for gate fees to get possession of my vehicle due to bank errors 3-4 times. This would have been in XXXX timeframe. The total cost of was near XXXX.
Product: Debt collection

I tried contacted the collector after being overwhelmed with being harassed by them to settle debt. I gave them a offer they refuse it told me they would sue me and I had to start a payment plan and pay it in full. They have threatened me with interest if I was to not pay. The debt is very old I have been XXXX  for 5 years due to it. I am asking them to remove it and show me documentation where I agreed to pay interest if broke the lease also I was an XXXX XXXX XXXX at the time.
Product: Debt collection

On XX/XX/year>, XX/XX/year> called the company to received validation of debt in the form of a copy of a signed contract and copy of payment statements and was told they couldnt give me info i needed to call the lawyer firm they hired i then called law firm n requested info n was presented with hostility from the lady i spoke too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied usage of a debit card by XXXX. They said I should contact Equifax Information Services LLC for a free credit report to investigate the decline. I tried to create an account with my.equifax.com, but was told I could not and had to contact the company by telephone. I called and spoke to a representative. She asked a series of questions and I provided my mobile phone number, email, address, date of birth, social security number and uploaded pictures of my id card and a selfie. After doing this 2 times, due to " errors '', it was successfully uploaded. However, the rep instructed me that it did not work and that I would need to mail the documents and my SS card to XXXX Georgia for further verification. 

I asked to speak to a superviser, as I do not trust sending my Social via snail mail. I was placed on hold for XXXX minutes. I was kept on the line as they agent promised each time that I would only need to wait XXXX more minutes, which turned into a much longer wait. 

I finally gave up and hung up the call after XXXX minutes of wating. 

The reporting service has an obligation to protect credit information and privacy by using modern tools to provide fast and secure service. This apparently is not how Equifax operates today. 

The rep name was XXXX.
Product: Credit card

I contacted XXXX XXXX once I became aware of the purchase while reviewing my credit card account transaction history. They told me they were unable to remove the charges because the tickets purchased in that transaction were not refundable, and that in order for me to receive a refund for that purchase, I had to contact my bank directly. So, I contacted Synchrony bank and I have been disputing that purchase with them for over 3 months now. They have been removing and adding the charges back to my account back and forth since last XX/XX/2023... It has been so frustrating to me. 

At first, I thought there was a misunderstanding with XXXX XXXX because I had bought flight tickets around the same time, but I had purchased them with a different credit card my Chase credit card, NOT with my TJMaxx, Synchrony bank credit card. 
I have sent all documents to Synchrony Bank showing my XXXX credit card statement with the purchase for the tickets and the statement showing the payment I did for the purchase as well. I thought my case would finally be 100 % resolved then, but I just got a letter from Synchrony bank telling me they are unable to approve my claim because I authorized, participated in, or benefited from the purchase... which I never did. 
How could someone buy airline tickets for same dates a destination with 2 different credit cards and use both? This is so stressful and frustrating... I really dont know what to do any more with this dispute with mastercard TJMaxx credit card ( Synchrony bank ). They don't stand behind their o fraud Liability. 
I really hope CFPB team can help me, please. 
Thank you so much.
Product: Mortgage

I applied for a loan assumption. My girlfriend XXXX offered to take over my loan. XXXX ran her credit. XXXX lost mitigation department then told us that we needed to send in {$900.00} for the assumption application fee. Two weeks later were calling XXXX trying to get an update. When speaking with the representative at XXXX were told that the {$900.00} application fee was being mailed back due not getting the amount of whats due. That afternoon past due amount was sent to XXXX but we still had to wait for the fee to mailed to me in prefer to be mailed back. When the check arrived to my home it wasnt even the actual check that I originally sent. It was a copy of the check. When I received the check three weeks later I immediately sent it back to XXXX. Less than two weeks later Im being told that the loan assumption was denied. The loan was denied during the process. And the only reason given was that XXXX no longer had vendor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about identity theft. I do not recognize these enquiries, neither did I authorize them. They are fraudulent enquiries and I would like them removed please. I contacted this company multiple times about the issue since I noticed them on my report XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 2. Unverified Inquiry XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 3. Unverified Inquiry XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. Unverified Inquiry XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. Unverified Inquiry XXXX XXXX XXXX of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 6. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. US DEPT ED Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed account with USAA years ago, did not know account was still open carrying a balance for the last XXXX years.This is beyond fraudulent! Account was paid off and closed
Product: Credit card or prepaid card

I reviewed my credit report and notice that in my XXXX account number XXXX was past due 30 days in XX/XX/2017, i believe i always made the payments on time, most likely the monthly statement did not get to me on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma use false advertising pre-approval for me to run my credit and dont approve me for the account such as bank accounts things like that.
Product: Payday loan, title loan, or personal loan

With reference of my previous complaint, XXXX The same loan Greensky is closed, however they are charging monthly fees, and calling and threatening they will report to credit bureaus. Already they reported as part of retaliation it actually impact my payment history. 

Last time didn't see a response from CFPB, so I called and enquired CFPB by the time the response window was over. 

IF CFPB is unable to support me then what other options do I have?