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

FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Klarna denied my application for installment payments on a website. The adverse action notice they provided me showed a credit score about XXXX points lower than my score. They have reported inaccurate information on my credit score, charged my account with a credit inquiry and unfairly denied me credit based on inaccurate information and discriminated against me not following the rules of Fair Credit and Debt Reporting. Once that notice and decision was issued, based on Klarna 's use policy they provided it to their XXXX party marketing partners further disseminating inaccurate information to other providers of credit and financial services.
Product: Credit card or prepaid card

I had a {$95.00} annual fee post for a Capital One Savor credit card on XX/XX/2020 that I hadn't been using. I called Capital One and explained that I wasn't using the credit card and wanted to know what my options were. I was advised that I could change the card to a no fee card and that the annual fee would be refunded. I did this and on XX/XX/XXXX the change happened the day after the annual fee was billed. 

I assumed that the information that I had received was correct and thus did not revisit the card as I wasn't using it. To my displeasure I discovered a month later that nothing had happened to the fee and I was no being charged with a late fee and interest ( totaling {$26.00} ) as well as perhaps being reported as delinquent to the credit bureaus ( at least my final conversation with a representative made it sound that this was the case ). 

I called Capital One on XX/XX/XXXX to ask about this and after getting passed around I ultimately was told that they would research my case and call me back within a week. I called back one week later on XX/XX/XXXX to follow up. I first talked to a representative by the name of XXXX with ID # XXXX and he passed me along to XXXX # XXXX who apparently was the highest level of person one can talk to on the phone. She informed me that the company ( someone other than her ) had made a decision that it wasn't going to do anything. 

Apparently, contrary to the advice I received fees are only refunded for cards that are cancelled and not " upgraded '' although the " upgrade '' in this case was to a card with no annual fees and without the special benefits that I was paying a fee for. Asking who else I could talk to she said she could give me the corporate address, but when I inquired there was nothing special about said address. It was their public address. I also asked for a number that was attached to my internal request and she said she could not provide one. 

I then asked that since I was having to pay the fee for the card that I at least be given the card back so that I could get the benefits of said fee. She said this could not be done. In the end I was left no choice but to pay the {$95.00} annual fee for a card that I did not possess and could not benefit from. She waived the late fee and interest.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX  XXXX Balance : {$720.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I started receiving several debit cards and check registers in the mail. These are all from accounts that i have no knowledge of and did not open. I called the banks and they told me it was fraud.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX  XXXX bal. {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX known as XXXX XXXX XXXX for XXXX  years from XX/XX/15 XXXX. During that time the complex made NO repairs at all!! I notified the building manager that I was leaving. During the process of me leaving the complex called XXXX and had my lights turned off, went into the apartment took items that were mine and trashed the place with the spare key. After being gone for 1 month the building manager called me & said I had a letter that stating I owed them {$7100.00} for 3 months rent ( the lights were turned off in my name & the apartment was occupied by XXXX ), Unit Prep, replacement of floors ( wood laminate was placed for the new occupants ), and to replace cabinets ( the cabinets were dry rotted ) all of these repairs were routine wear and tear after 7 years of living with no repairs. I received a call from Sarma Collections Incorporated XXXX this collections was placed on my credit report without a judgement or proper notice. I disputed the charges only to hear nothing from the complex. I recieved a call from the collections agency.
Product: Vehicle loan or lease

Never got a 1099 C debt cancelation form from Ally Financial, ask for the involuntary repossession to be removed from my credit reports, XXXX XXXX, XXXX, XXXX. In stead the remark was changed to Customer disagrees on my credit reports. I spoke to Ally advise that due to covid 19 I was unable to make payments on the car, never received 1099 C debt cancelation form after they sold the car, and got paid for it. Asking that this be removed of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOKING TO BUY A NEW HOME WHEN MY BANKER INFO ME THAT IT WAS MANY ACCOUNTS THAT WAS MINE
Product: Checking or savings account

For years, BOA has been taking insufficient fund fees and overdraft protection fees, out of my account for years repeatedly even when the same vendor came to get money, it continued to deny it but kept charging fees
Product: Payday loan, title loan, personal loan, or advance loan

I have attempted to pay off my loan today, XX/XX/year>, but I have been informed that XXXX will not process my payment until Monday, XX/XX/year>, causing me to incur additional interest charges. 
I request that my loan be paid in full today, with an accurate payoff amount reflecting todays date, rather than being delayed for additional interest accrual. I am willing to make the payment via any available expedited method, including a same-day wire transfer, to ensure that the balance is cleared immediately. 

I am concerned that delaying my payoff is not only financially harmful but may also be in violation of fair lending practices and consumer protection laws, including : 1. The Truth in Lending Act ( TILA ) which requires transparency in loan servicing and the fair application of interest and payments.

2. Unfair and Deceptive Practices ( UDAAP ) under the Consumer Financial Protection Bureau ( CFPB ) Any delay in processing a valid payoff request to generate additional interest may be considered a predatory lending practice.

3. State Lending Laws Many states prohibit lenders from delaying payoff requests in a way that unfairly increases borrower costs.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with XXXX, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, XXXX has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that XXXX takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

PORTFOLIO RC FOR THE AMOUNT OF {$970.00} that was reported on XX/XX/2015  and is continuing to be reported. I have contacted the credit bureaus to validate the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed as a result of it not being my debt.
Product: Credit card or prepaid card

Hello : My briefcase was lost/stolen had a few credit cards in it that were paid off and a couple of pin # within briefcase to cards.  XXXX  other cards removed unauthorized charges with no problem!  Wells fargo card was completely paid off then whaam {$3300.00} worth of charges of which Wells Fargo Refuses to credit and states that I made these charges. I 'm not sure what else I can do or if Wells Fargo would listen to me anyway? Never files fraudulent charges with Wells Fargo ever, I 'm really surprised h ow they found these charges valid and were actually made by myseld? DID NOT MAKE THIS CHARGES PLEASE HELP!     Sincerely,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , MO    XXXX   XXXX    Phone:  XXXX   XXXX
Product: Mortgage

Applied for HELOC on or around XX/XX/XXXX. I received a call from Bank of America agent reviewing my application which was basically in order. 

I was asked what the loan was for, which I replied home renovations. Then I was asked if I had started. Which I replies yes since it took about 10 weeks for Bank of America to even call me about my application. At that point the agent stated that she could not proceed with the application due to the fact that I started construction. I then stated that there was additional construction that I had not started that I would be applying the funds to. The agent said that since I was on the recording stating that I had started some construction, that she could not proceed with a loan. I asked to speak to a manager and was told - none are available. 

It is my belief that Bank of America tried to trick me in order to not approve the HELOC.
Product: Checking or savings account

I had a checking account in 2018, I did not have access to the account for a while and all my money was taken for bank fees.
Product: Student loan

Ive been waiting for PSLF forgiveness since XXXX. I have over XXXX payments on XXXX loans!
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app. ( Block , inc ). Due to inadequate customer service and unfair practices. Which violate the consumer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive. As they did not comply with error resolution requirements under the electronic fund transfer act ( Efta ) regulation E. These actions has caused significant inconvenience and financial loss, and i seek appropriate actions these violations.
Product: Debt collection

This debt was previously disputed and is a result of me being a victim of identity theft. Below I have submitted an identity theft report with the federal trade commission. The address and the phone number associated with this debt is fraudulent and is not accurate. This debt must be removed from all three credit bureaus at once. As I have asked before, I do not consent to my information, or any fraudulent information related to me, and this debt to be sold/donated/given to any other third-party/debt collector/individual etc. I ask that Ability Recovery Services not attempt to contact me or use the information provided to reach me. Any communication or attempt to communicate with me that is not through the consumer financial protection bureau will be considered harassment/unwanted communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and this is XXXX XXXX XXXX. 

This complaint is not being submitted by a third party. 

FTC report number XXXX is proof of identity theft. 

Transunion received the identity theft report on XX/XX/2021. 

In this matter, block of information resulting from identity theft is permissible pursuant to 15 USC 1681 c-2. Transunion is a consumer reporting agency and upon receipt of information that resulted from an alleged identity theft shall block the reporting of any information not later than 4 business days. 

As of XX/XX/2021, Transunion has violated my consumer right pursuant to 15 USC 1681c-2 and failed to block any reporting information that resulted from an alleged identity theft within 4 business days of receipt.
Product: Credit reporting or other personal consumer reports

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of noncompliance and negligence, which directly undermines the integrity of the dispute process. Below is a list of the items I am disputing : 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 I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes. 

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. 

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 

Enclosed, you will find copies of all relevant documentation to support my dispute. If you have any questions, I can be reached at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few reported hard inquires on my account which seem to be damaging my credit score. These hard inquires are inaccurate and you are reporting it to my credit score. 
XXXX  XXXX ( auto ) XXXX XXXX  ( bank ) CONSUMER PORTFOLIO SERVI ( Finance ) XXXX XXXX XXXX XXXX ( bank )
Product: Student loan

I have filed a complaint a month ago with XXXX XXXX Edfinancial is now currently holding the loan. But Ed financial had the loan first before XXXX XXXX. It's back with them they got my loan from XXXX who got sued for there repayment procedures and now XXXX is no longer around the letter I received this year from Edfinancial telling me they got my long from XXXX and my payment was rolled over to them. I have not made any payments to XXXX since XX/XX/2010.my account has been closed since then .That was untrue statement from Edfinancial also in the same letter they said XXXX gave them the approval to get my loan from XXXX and I was not with XXXX I was with XXXX edfinancial are connected to the same bank that XXXX  was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online to XXXX regarding my collection account. I wanted to dispute the validity of the debt with proof, over 3 months ago and never heard a response back they just ignored the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
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 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 addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX, XXXX, NY. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX. Opened XXXX XXXX, XXXX {$12000.00} XXXX XXXX. OPENED XXXX XXXX, XXXX {$8500.00} A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
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 Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a 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

Portfolio Recovery opened a account XX/XX/year> in the amount of {$1300.00} I do not know how this is and have never done business with them. They are listing themselves as the original creditor on a account i have zero knowledge.
Product: Credit reporting

I have asked Experian several times to verify a charged off account that is reporting on my credit report by sending me the documents they keep saying they have used to verify the account. It has been 30 days and they have again said the account is verified with NO PROOF of verification that I have repeatedly asked for. I would like this account removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX US DEPT ED ( Several Accounts ) XXXX XXXX ( Severe.I Accounts ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX There are also several inquiries that should not be there either XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

The Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45 ( a ). ( See Federal Trade Commission v. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Case 1:08-CV-BBM-RGV, N.D. Ga. , 2008. ) As it pertains to my credit report, I do not have a contract or a written agreement with XXXX XXXX XXXX. They are unable to provide a contract binding me to an agreement and this account should be removed from all three of my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received notification today, XX/XX/XXXX, from Experian that XXXX pulled my credit file ( FRAUDULENTLY ). This is the second time in the past 5 months this has happened. On XX/XX/XXXX XXXX FRAUDULENTLY allowed my credit to be pulled. I have attached a previous CFPB complaint with XXXX and a letter from XXXX verifying it was fraudulent. I have attached my complaint letter directly to XXXX telling them it was fraudulent as well, and to NOT extend credit in my name without verifying my identity. After this happened I filed with the FTC as a victim of identity theft ( see attached ). There is also Fraud Victim alerts placed on all my credit files with the 3 major credit bureaus stating to contact me at my phone number to verify my identity ( see attached ). XXXX did NOT do this and pulled my credit file with out my permission or consent again. These inquires are ILLEGAL. Remove the fraudulent inquiry from my file immediately or I will file suit. I already have a consumer protection attorney, who I will be contacting immediately regarding this issue, due to previous identity theft.