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

Since XXXX, XXXX I have tried to received my bank statements unsuccessfully! 

For thirteen plus months, I would call to have a representative assist me in there attempt of resolving the problem! 

Each representative believed the problem was addressed and solved! The cause/fix only resulted in failure after failure! 

I have either used the phone or virtual appointments to resolve this huge unacceptable situation that the bank has no interest in resolving for a member who has been since XXXX! I have requested a supervisor or manager to return my call which they Never have! 

I don't know what else I can do! I am in need of your assistance to resolve a issue why a Institute will not allow a member to have access to my financial accounts please! 

I would greatly appreciate your assistance in helping the credit union to take insterest in allowing access to All my banking needs by providing my accounting records. 

Thank You I have money directly deposited and have access to my banking needs through ATM only! No in person banking in my area!
Product: Checking or savings account

I received coupon code from chase for opening account and receiving checking bonus ( get {$220.00} when you open a Chase XXXX XXXX account and set up direct deposit within 90 days ). When I applied for this account and opened it I received the following message from chase : " Your account is open, but we couldn't apply your coupon at this time. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

hello yes I have i tried to resolve this issue with these companies XXXX XXXX XXXX told my to upload this letter and ask you guys to delete this fraud account XXXX  sent me this so I'm uploading
Product: Credit reporting or other personal consumer reports

Nationstar Mortgage LLC AND Mr. Cooper was involved in a data breach i also opted out of Mr. Cooper and Nationstar Mortgage LLC sharing Information with 3rd Party non Affiliates several months back in a prior complaint that they responded to and this data breach shows they are still sharing information upon my opt out they are in Violation of Thr Privacy act of 1974. 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 [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) This Data breach has caused Harm to me with my personal identity and bank account information being leaked during this breach. 

Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

I had an XXXX visit last year as to which we were sent a bill for that was supposed to go to my insurance. After calling, it was sent to insurance and paid off. But then I got a letter from CMRE Financial Services claiming they were collecting my debt. After calling the hospital again, they said they removed the collection after the error was cleared. But the collection is still on my credit and ruining my credit and I 'm only XXXX. Any disputes I 've sent through XXXX have been denied. I owe no money, nor did I ever, but they are continuing to ask for it.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Dear Midland Credit Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information.

As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.
Product: Debt collection

XXXX debt was paid off through an attorneys office, and payments made as agreed with them. 

Months after this, I received letters from a different collections company about the same debt. I disputed it since they had added that to my credit report. It was taken down. 

Today XX/XX/2021, the same collections is again trying to collect for the same debt. ( South west Credit Systems ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has the wrong information up for me for public view and wrong relatives that I dont know and my name is also wrong also someone keep going on my credit report and changing things without my consent
Product: Credit reporting or other personal consumer reports

This company states that I still owes a balance but as clear as day they stated that its a charge off with profit loss and they wrote it off on there taxes I want all three accounts to be DELETE OFF MY CREDIT REPORT NOW
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 violater my federally protected consumer rights ro privacy and confidentiality under 15 u.s.c.1681 XXXX XXXX 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 with out my written instructions 15 u.s.c 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse items of information other then records of convicted of crimes which antedates the report by more than seven years 15. u.s.c XXXX 1681 s-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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not aware of this inquiry
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, Equifax and XXXX Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, Equifax and XXXX Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted XXXX, Equifax and XXXX Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Equifax and XXXX Credit Bureau 's requests. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX & XXXX XXXX XX/XX/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 XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Jefferson capital was claiming that I owe them {$1400.00} for a phone bill for through XXXX. I have never had sprint. Also XXXX was recently bought out by XXXX. I contacted XXXX  to ask them if I ever had a XXXX bill they claimed that I have never had XXXX, and I do not owe any money or never have, they claimed that theres a lot of people who are dealing with the same issue with Jefferson claiming that you owe them money because XXXX was bought out and there isnt much you can do about documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed some unauthorized inquires. 
YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; DELETE THE ABOVE FROM MY CONSUMER REPORT, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$3700.00} XXXX XXXX Balance Owed : {$2200.00}
Product: Debt collection

Most of my charged off debts register last activity in XX/XX/2014. Have I past the statue of limitations? I am getting a wage garnishment assigned to me in a few days due to court is in XXXX and I now live in XXXX.
Product: Credit reporting or other personal consumer reports

Transunion violated the Fair Credit Reporting Act due to improper use of my Transunion credit report for purposes not allowed by law, due to failing to uphold the obligation to remove from my Transunion credit report any accounts placed for collection or charged to profit and loss which antedate the report by more than seven years, per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ].

Transunion failed to uphold the duty to remove both accounts from my Transunion credit report : DEPT OF ED/XXXX  ( XXXX XX/XX/XXXX ) and DEPT OF EDXXXX ( Opened XX/XX/XXXX ) which per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Transunion held a duty to remove both after the date of XX/XX/XXXX at the latestas both accounts are now nine years and eleven months oldand so, are too old to still be reflected in my Transunion credit report, and per [ 15 U.S.C. 1681c ( a ) ( 4 ) ] and [ 15 U.S.C. 1681c ( a ) ( 5 ) ] of the Fair Credit Reporting Act, shall be removed from the Transunion credit report, due to both DEPT OF ED/XXXX accounts that were opened in XXXX of XXXX antedating the Transunion credit report by over seven years.

This complaint is an effort for Transunion to be compelled to remove all accounts that antedate seven years from my Transunion credit report.
Product: Money transfer, virtual currency, or money service

I carried out a financial transaction for transferring money from my bank account to my wife 's bank account in XXXX through PayPal. However the discounted amount of my account was not the amount credited to my wife in XXXX, much less than the amount expected. At the same time that the transfer was made I realized that there was an operation error and a complaint was opened by me who transferred and by my wife who received it, but PayPal did not take into account the request to block the operation and did not give due service and also did not give the proper ways to resolve the case. I ask for help to reverse this financial transaction because it was not treated correctly and with abusive fees by PayPal, which was ordered not to do the operation and even so it did. thank you very much, I hope for a brief return as this case is of financial URGENCY. 

date of transaction XXXX ID case claim - XXXX- XXXX ( XXXX XXXX ID case claim - XXXX ( USA )
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report and i had noticed fraudulent accounts on my credit report. these accounts are hurting my ablilty to obtain credit.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 - XXXX & XXXX XXXX XXXX and inquiries below - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries 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
Product: Credit reporting or other personal consumer reports

I did not give consent to my information which constitutes identity theft I request a report number for the information I'm sending you electronically, I am also seeking monetary compensation for the damage done to me. It caused a lot of monetary hardship on me.
Product: Checking or savings account

On XX/XX/2023 I deposited {$1600.00} into a Bank of America atm. Once I deposited the cash I was only credited {$300.00} and a receipt with a number to file an electronic claim. After filing the claim the next day I went to the branch who informed me that the atm was cleared out already and It will be fixed in 48 hours. It had been full week and I continue to get the run around, with no explanation and I was denied provisional credit all because of their atm. I continue to call everyday out of frustration and nothing is handled or figured out. I deposited the money XX/XX/2023 to pay my bills and now I am behind and have to pay extra late fees and its extremely embarrassing considering I work very hard for my money and nothing is being done to resolve this issue for me. There is cameras on the atm machines and the machine is cleared out almost every day!! The ATM knew that they missed counting my money or else they would not have printed me a receipt telling me to file an electronic to claim.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " XXXX XXXX XXXX  '' savings accounts. Capital One misrepresented the XXXX XXXX XXXX as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX XXXX. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

Hey I Received an XXXX Form for the charged off account : Account XXXXXXXX XXXX XXXXXXXX Account number : XXXX from creditor an account was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off account must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX # XXXX, XXXX # XXXX, Lvnv funding LLC # XXXX, XXXX XXXXXXXX # XXXX, XXXX  # XXXX # XXXX, Lvnv funding LLC # XXXX, XXXX XXXX XXXX, XXXX  # XXXX, XXXX, # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX # XXXX, XXXX XXXXXXXX / XXXX XXXX XXXX # XXXX # XXXX, Lvnv funding XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX bank # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX in company # XXXX XXXX # XXXX, XXXX # XXXXHas 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 ; also states a consumer reporting agency can not furnish a account Without my written instruction.
Product: Debt collection

On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named Tek Collect Inc. was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of ( {$110.00} ) that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX, XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.