23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On  XXXX   XXXX ,  XXXX  I use d my US  Bank  Visa c redit card to donate money for my son ' s fundraiser to   adopt a child. Recen tly ( la st  XXXX   ) m y son decided not to adopt and to have   XXXX   ( who holds donated monies through We  Pay ) retu rn the donations. I am the only donator who has yet to receive my refund. My donation was the most generous amount.    I have had numerous emails with   XXXX    and   with US bank but each claims the other must still have my money. US Bank, who a while back changed my Visa card  to  a Mastercard, cl aims that if the refund was sent to my o ld Visa  acct. number it would have been rejected. Meanwhile I 'm getting emails from   XXXX   promising action on my behalf yet nothing has actually happened. I still have not had my money returned to me.   I have many, many emails from  XXXX  from  XXXX   XXXX ,  XXXX  onward until last week that would reveal how they claim to be advocating for me yet these appear to be no more than empty words.   I am not sure how to email these to you.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance with Fair credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C Section 602A. States I have the right to privacy. 
15 U.S.C Section 604 a Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report agency 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 XXXX sever years. 

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

DELETE THE ACCOUNT BELOW 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
Product: Debt collection

I have tried to contact this company numerous times to pay my debt, but there is no XXXX answering my calls or emails. This business seems to be closed, but I 'm unsure. I also need to know who to pay my debt to so I can close my accounts.
Product: Checking or savings account

I've had money transferred to my account and Capital One is blocking me from accessing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few attempts have been made via letters at least 2 to  Equifax, 1 in XXXX and another in XXXX. I also called them and informed them about the accounts and inquiries. One from XXXX and another from XXXX/XXXX. I actually called XXXX/XXXX  with XXXX  fruad department and they help cleared it up on the furnishers end. So they are willfully reporting inaccurate data. They have not gotten back to me at all.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXg. 



1XXXX XXXX - XXXX 2. XXXX XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

I would like to file a complaint towards Strick Acceptance, I have informed them multiple times and have been making monthly installments to try and bring account current. However XXXX XXXX is harassing me, calling me five times a day from their business number and calling me private. When I asked to be placed on do not call list, the agent then refused to do so. I then asked for a manager or someone above him due to XXXX not wanting to work with me. He then stated he will not get me to anyone and wished me luck on trying to get someone else to talk to. I have been recieving phone calls 4-6 times a day since XX/XX/2022.
Product: Checking or savings account

I opened a checking acct at PNC Bank in XXXX, Md. with the expectation that I would be able to access my acct info via my computer as I have done in the past with regards to my PNC mortgage and to my accounts at other banks. I maintain a book in which I record access info such as ID 's, pass words, security codes, etc. I do not regularly check these accts on line. On XX/XX/year>, I was not able to access my online PNC Bank acct using any of my recorded info. I went to a local PNC bank and was advised that I needed to receive a text message in order reset my password. Upon returning home, I opened up an email from PNC bank informing me that I had been locked out of my account and I needed a cell phone in order get a text message to reset my password. I am XXXX XXXX XXXX and I do not use a cell phone. My complaints are : ( 1 ) I was never informed that my previous mode of accessing my account on line was changed to depending upon the use of cell phone ; and ( 2 ) the individuals with whom I interact on the telephone are not at the policy making levels to understand or correct the disadvantage that I now find myself. 
In general, I think it is wrong for institutions to assume that everybody transacts business via cell phone and text. If this is the prerogative of institutions, this should be made clear up front. I think that it should be a requirement for institutions to offer alternative access modalities such as email, telephone, should be offered. When patrons elect to go paperless, the problems of lack of on line access are magnified. 
I am most disappointed with my interaction with PNCB and my overall view of the security systems is that the use of cell phones contribute greatly to breaches in security and the measures taken by institutions in view of these breaches are more burdensome on the account holders than on the the hackers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In lat e  XX/XX/XXXX  ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in  XX/XX/XXXX . They were able to defer my loan and I would be all set. Come  XX/XX/XXXX  I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with   XXXX   XXXX   XXXX   ( who manages the loan for   XXXX   XXXX   XXXX   ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they we re doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.
Product: Credit reporting

Experian continues report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Experian and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Debt collection

I joined a 12 week weight loss program for {$700.00} in 2009. Four weeks into the program, the company closed. XXXX XXXX wrote off acct, then sold it to XXXX, who began agressive collection. I paid/settled acct XX/XX/2012. About 6 months ago, I began getting calls from phone numbers with area codes from all over the country -- -all saying I owed over {$4600.00} and if I did not agree to a settlement and pay, I would be sued, arrested and could go to jail. I threatened to report the scam. It stopped for about 2 months, and has began again. Credit Solutions found my home & email address and is sending letters and threats over the internet. This company says they are collecting for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Violation of FCRA - Failure to Respond to Dispute & Verification Disclosure. 

Dear Experian I am writing to express my complaint regarding your company 's CONSISTENT violation of the Fair Credit Reporting Act ( FCRA ) in two instances : XXXX. Failure to respond to my dispute ( XXXX ) within 30 days : On XX/XX/2024, I submitted a dispute regarding inaccurate information on my credit report. As of today, XX/XX/2024, I have not received response from your company, exceeding the 30-day timeframe mandated by the FCRA ( 15 U.S.C. 168i ( a ) ).

2. Failure to provide verification disclosure : I requested the names and business addresses of each individual involved in the verification process related to my dispute. Despite my request, your company has failed to provide this information, Violating the FCRA 'S verification disclosure requirements ( 15 U.S.C 1681g ( a ) ).

Your company 's failure to comply with these FCRA provisions has caused me significant distress, inconvenience, and potential harm to my creditworthiness. I demand that you : - Immediately investigate and resolve my dispute - Provide the verification disclosure information I requested - Take steps to ensure future compliance with the FCRA If I do not receive a satisfactory response within 15 days, I will pursue further action.
Product: Checking or savings account

Robinhood : I can't withdrawal funds since my account is restricted. Which I was never told the reason it is restricted. It has been restricted XX/XX/XXXX. It is supposedly takes them 7 to 10 days to review my account. This is day 8 and I just tried to withdraw {$120.00} from my account and its states Error Account withdraw disabled.
Product: Credit reporting or other personal consumer reports

Equifax data breach, compromised my credit report, my life. I filed a claimed with equifax. 
I have numerous negative items on my report
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and misleading information reported on my credit file concerning the following account : This account is currently reporting a **charged-off status**, a **past due balance**, a **current delinquency ( " currently late '' ) **, and an **outstanding balance**which is in direct violation of Metro 2 credit reporting guidelines. A charged-off account should not simultaneously reflect a status of " currently late '' or continue accruing past due balances, as the account has been closed and written off as a loss. This constitutes **double derogatory reporting**, which is both inaccurate and misleading. 

Additionally, I made a **good faith effort to resolve this account**, including submitting a request for **pay-for-deletion**, which was denied. Despite my willingness to take responsibility and settle the account, I was **not provided any clear guidance on how to bring it current or resolve the status**, and it continues to be reported with multiple compliance violations that are now interfering with my ability to **close on a home loan**causing serious financial and emotional hardship. 

Under the Fair Credit Reporting Act ( FCRA ) : - Section 611 requires all information on consumer reports to be accurate and verifiable.

- Section 616 allows consumers to seek damages up to {$1000.00} per willful violation of the Act, including the reporting of false or misleading information.

I am formally requesting that this item be either : 1. Corrected immediately to reflect accurate status consistent with Metro 2 formatting and FCRA law. Provide information for bringing the acc
ount current or 2. Deleted entirely from my credit report if accurate and complete verification can not be provided.

Please complete your investigation within the required 30-day period and confirm the results to me in writing. I am prepared to escalate this matter and seek legal counsel if these violations are not corrected. 

Thank you for your time and attention to this serious matter.
Product: Debt collection

XX/XX/2016, {$7100.00} I sent letter but no respond.
Product: Debt or credit management

I am writing to file a formal complaint against Freedom Debt Relief, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Since beginning my payments in the summer of XXXX, I have encountered significant discrepancies in the management of my account. 

The financial details of my interactions with Freedom Debt Relief are as follows : Total Deposits : {$72000.00} Current Account Balance : {$16000.00} Expected Allocation for Debts and Fees : {$44000.00} However, the settlements reached to date total only {$17000.00}, detailed as follows : {$6400.00} settlement for XXXXXXXX XXXX 
{$7900.00} settlement for XXXX XXXX. 
{$2700.00} settlement for XXXX. 
This situation has resulted in an unexplained discrepancy of {$27000.00}. My attempts to have Freedom Debt Relief address this issue have been unsuccessful. Additionally, they have recently locked me out of my account by resetting my password, preventing me from accessing detailed statements to provide as evidence.

This lack of transparency and denial of account access raises severe concerns about Freedom Debt Relief 's business ethics and practices. The potential mishandling of my funds and the obstruction in accessing my account information warrant a thorough investigation.

Given the substantial amount in question and the potential infringement on consumer rights and financial regulations, I am urging the CFPB to promptly investigate this matter. While I am currently unable to provide a copy of my statement due to the restricted account access, I am prepared to furnish further details and any available documentation. 

I appreciate your immediate attention to this distressing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I recently pulled another copy of my credit report and noticed the following information are in error and still have not been corrected : This letter is my final communication in regarding the inaccurate entries being reported on my credit report.

I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at : XXXX XXXX XXXX, XXXX, NY XXXX. 

I am seeking {$10000.00} in damages plus {$1000.00} per incident for : Violations of the Fair Credit Reporting Act - including but not limited to Section 611 Violations of Defamation Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


Prior to our court date if you should decide to correct your records and remove the negative and false item in question, please contact me at the address below, and I will subsequently withdraw the lawsuit. 

My contact information is as follows : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Cc : My Attorney Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : ( List all the companies that have pulled your credit, whom you did not give permission to do so ) 1. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4. XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5.  XXXX XXXX Inquiry from XX/XX/XXXX 6. XXXX XXXX Inquiry from XX/XX/XXXX 7.  XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my non-drivers license as proof of identity.
Product: Credit reporting

after typing in my personal information and requesting a free thaw on my XXXX credit report, I was asked to pay a feed.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a balance transfer was electronically made on line to a XXXX XXXX service account. Citi Bank claims it was tranferred inot a valid account in my name or a name of a authorized user, at XXXX XXXX. 
On XX/XX/XXXX, My accounts my accounts were comprised to include Best Buy, XXXX, XXXX XXXX and the inidivuals opened a XXXX credit card in the amount of {$900.00}. They were able to get into my email and filter my emails to the trash bin. It was XXXX that brought this to my attention, because we were on the phone and I was not receiving the emails. I filed a police report and the creditors assisted me with the accounts that were hacked accept Citi Bank. I have emailed the police report and have contacted them many times and I filed a report through XXXX and no luck. I have always paid my accounts on time. I can't pay for money I don't have. XXXX XXXX has worked with me trying to find out were this money went, however without an account number were the funds were deposited, XXXX XXXX can't trace were the money went, we are at a deadend. My credit is ruined because of this this fraudlent transaction.
Product: Debt collection

I took out a personal loan with XXXX XXXX and they illegally charged me an interest rate that was not fair to me or my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that XXXX, XXXX, and Transunion is in direct violation of 15 U.S Code 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX, XXXX, or Transunion written consent to report anything on my consumer credit report or to create a report on my behalf. No consent is identity theft. Pursuant of 15 U.S Code 16819 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing XXXX, XXXX, and Transunion to furnish these inaccuracies on my consumer credit report may cause me to lose confidence in the banking system. If XXXX, XXXX, and Transunion wants to continue doing business with me, they should delete these inaccuracies off my consumer report immediately.
Product: Debt or credit management

TomoBoost is giving customers a difficult problem exiting the services when requesting cancellation from their product.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Thank you for all that you do. 

This contact is in regards to a complaint focused on the unethical business practices used on me via " Capital One ''. I was making payments until one month ( XX/XX/2018 ) I could not due to my over-bearing car and legally forced car insurance plan requirements. I was contacted once about the first missed payment and then I was sent a letter within 30 days that my minute account had been closed by the lender. This is after I had made a {$100.00} payment within the time frame of the first paper mail communication and the last paper mail communication informing of closure. Then I received another paper mail communication for an invoice of the XX/XX/2018 payment. The debt has been purchased by " XXXX XXXX '' and is currently owned by " XXXX XXXX XXXX ''. When attempting to contact " Capital One '' I was transferred to " XXXX XXXX XXXX '' to settle the debt an spoke to XXXX, XXXX, XXXX ( XXXX ) and XXXX. We discovered that the balance I owe of {$450.00} does not reflect the balance of {$310.00} transferred from the " Capital One '' statement and I was being asked for too much money in regard to this debt originally presented in the amount of {$470.00} via " XXXX XXXX ''. 

Please feel comfortable contacting me via email/voice/text/etc. 

Happy Sunday, 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : US DEPT OF EDXXXX Account number : 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 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.