23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dates transactions started. 
XX/XX/2023 amount of $ XXXX XX/XX/2023 amount of {$500.00} XX/XX/2023 amount {$500.00} XX/XX/2023 amount of {$200.00} XX/XX/2023 amount of {$500.00} XX/XX/2023 amount of {$200.00} XX/XX/2023 amount of XXXX XX/XX/2023 amount of $ XXXX XX/XX/2023 amount of XXXX XX/XX/2023 amount of $ XXXX XX/XX/2023 amount of XXXX These are all the transactions and dates listed above, that have been processed out of my account without my knowledge and authorization. I started a fraud claim with chase as soon as I noticed the bigger transactions coming out of my account as well as spoke with XXXX XXXX about this matter. I was not aware how far back it started happening until I was given a detailed list with all my transactions dating back to XX/XX/2023. Both chase nor XXXX XXXX where of any help in this situation. XXXX XXXX was unable to give me any information of the whereabouts of where the money coming out of my account was going to. I have contacted chase to try and hopefully get some good news on the Claim, but was told they had declined all matters of my claim since I did not report any of the other transactions dating back to XX/XX/2023 that was not aware of until given my copy of Transactions. My account is still open and is still attached to the XXXX XXXX account. due to the matter of how much has come out of my account and the way both banks have handled my case I could have just closed my account and gone somewhere else, upon seeing how far this goes back I can not let this go. I spoke with chase about getting in contact with XXXX XXXX as they told me they would need to talk bank to bank to try and figure out what happened but chase closed my case and decided not to look into the case any farther.
Product: Credit card or prepaid card

Paypal claims that I have an available credit line with them, but have also told me that I can not use it. They claim that it is due to security risks yet offer no alternative for me to lift the security measures. THEY OFFERED NO SOLUTION except that I should use a credit card of my own.
Product: Checking or savings account

I tried to link my account and then it said I couldnt link my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Customer Financial Protection Act ( CFPA ). Specifically, Cash App 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a  mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Experian  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX
Product: Student loan

I had multiple Parent Plus loans through Nelnet for 3 all of my children. At the beginning of covid in XXXX I had to file for XXXX XXXX  bankruptcy because of decreased salary. My student loans were paid from my monthly payment as well as the rest of my debt. My payments. My total monthly payment to my Trustee is {$630.00} until the end of the agreement in XXXX. {$440.00} of that {$630.00} went to Nelnet to pay my student loans. So with that being said, with the Federal government 's new repayment plans/forgiveness, I called Nelnet and spoke with an agent to see if my Parent Plus loans ( 10 different loans in all ) labeled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The agent told me that the only way I could qualify was to consolidate all 10 loans into one. I told her I was in XXXX XXXX, she said that had no reflection on my bankruptcy. So I filled out the form on studentaid.gov. Now I have a consolidated loan that became due on XX/XX/XXXX. Nelnet show I owe {$950.00} knowing I am in bankruptcy until XXXX I have applied for all the income driven an available programs and nothing qualifies. I feel I was misled and feel like I am in a worse situation then when I started. All I ever wanted was my children to get a good education and now I am suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX {$2200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed how Equifax and XXXX 's investigation went. They keep on reporting the account as late. They refused to reverse the late payments without documentation as to why. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with First Tech Credit Union., In XXXX  2020 First Tech Credit Union reported a 30 day late payment on my credit card account. 
The XX/XX/2020 Late Payment is incorrect as I have this account set up on Auto Pay. I have contacted First Tech by mail, and by phone, They have not corrected the late payment, and this late payment is causing me problems in refinancing my home.
Product: Mortgage

Huntington Bank, XXXX, OH I have a long standing loan for mortgage that last month I tried to pay off in full. I went to my local Huntington Bank branch in person asking for a payoff amount good for that day/date. Teller advised me it was my monthly payment amount - once paid - it would satisfy my mortgage and a mortgage satisfaction would be filed by the bank. Last week I received an invoice for the loan in the mail from Huntington Bank stating I owed {$1.00}. I went into the same Huntington Bank branch ( XXXX, PA office ) where the teller said that she would give a copy of the invoice to her manager and that I did not need to pay anything. After that visit today, I call XXXX ( loan manager ) at the XXXX, PA office where I was directed into voicemail. I was told to call XXXX via Huntington Bank 's XXXX customer service number. XXXX XXXX voicemail stated that the system was not operational so message could not be left. As I need to have this real estate shown as free and clear - I need the mortgage satisfaction filed ASAP.
Product: Debt collection

Ive been getting 3-5 calls everyday, and I was kinda cautious about it cause they kept saying wrong names and the amount kept changing, Ive asked for a letter in the mail many times and never received it and now its in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact Experian on XX/XX/2020 to remove a account which not belongs to me, they are is reporting 2 accounts for on creditor and only own one. and the inaccurate-one is reporting negative late on my report which is affecting my financial in a hard way on XXXX of XX/XX/2020 Experian told me that creditor updated my info and experian didn't remove the inaccurate negitive account, i asked representative what proof the creditor had, Experian replied they don't have any proof, i also contact the creditor XX/XX/XXXX on XX/XX/2020 and they confirmed with me their is no 2 accounts i want experian should re-investigate my dispute since creditor didn't proof anything against my dispute.
Product: Debt collection

TeleCheck , Inc., along with its associated debt-collection entity, TRS Recovery Services , Inc., agreed to pay {$3.00} XXXX to settle charges of violating the Fair Credit Reporting Act, the FTC announced Thursday. 

trs is hounding me for {$100.00} dollars been cashing checks at my local supermarket stop and shop XXXX nj for over 10 yrs no problems then check was rejected and im being hounded for money
Product: Credit reporting, credit repair services, or other personal consumer reports

i file a dispute in XXXX, XXXX 2020, XXXX XXXX and XX/XX/XXXX asking for method of verification for a bankruptcy being reported on my credit report by " experian credit bureau '' only to be ignored and repeatedly lied too.Stating the us bankruptcy courts are XXXX XXXX provide this information. I have documents stating otherwise.from both the bankruptcy courts and XXXX XXXX stating they did not give out such information!! please investigate XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # 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 has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX XXXX XXXX XXXX XXXX is still showing OPEN on my EQUIFAX account, even though it was discharged in XXXX Bankruptcy. Equifax shows it as discharged in XXXX, but still OPEN, which is impossible. 

I have included XXXX credit report trade line showing correctly reported as CLOSED, as well as EQUIFAX report trade line shoing still OPEN. 

I have disputed this more than once through EQUIFAX and the creditor, to no avail. My next step is to appeal to the UNITED STATES BANKRUPTCY COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX In accordance with Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states : I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2. It states that a consumer reporting agency can not furnish an account without written instructions
Product: Checking or savings account

My Bank of America account was fraudulently charged by Bank of America twice in the month of XXXX for payroll fees in the amount of {$26.00} ( XX/XX/XXXX and XX/XX/2021 ). Bank of America collected said fees twice from my account. I called 3 times to have this addressed. The first time I was routed to XXXX  even though I told the Bank of America person that my payroll is through Bank of America and it's partner in crime, XXXX. The second time I was routed to XXXX, but it was after hours. The third time the call took 52 minutes and at the end of the call I was told to fill out a form to request a refund and that that they would email me the form. The form said that the claim had to be made within one day of the incident taking place. The incident took place in XXXX and it is not XX/XX/2021. The Bank of America persons said that the " system '' charged me twice. This means that millions of Bank of America customers have been charged by the " system '' twice in this way. Bank of America has had a month to get this resolved and to refund the funds to customers and has failed to do so. Bank of America has failed to notify customers that Bank of America payroll service has double charged it's customers. This is 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. 

I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank : American Express Issue : False information about Balance Transfer amount while applying credit card I was looking for Balance Transfer of {$20000.00} and as I was already a customer of American Express, I spoke with the balance transfer department. They suggest me to apply American Express Blue card where there is promotion to get 0 % balance transfer for 15 month and If my credit card is approved, they will honor my request to do balance transfer of {$20000.00}. I applied and card got approved. Once I receive my card, I called the customer service and request to do balance transfer of {$20000.00}. I was surprise to see that they can not honor as they max limit of balance transfer for American Express is {$7500.00}. I request to escalate the false promises for {$20000.00} balance transfer and they file the escalation and assured that if it is an issue from customer service, they may consider my request of balance transfer of {$20000.00}. They file the escalation on XX/XX/XXXX After waiting for few days, I called again on XX/XX/XXXX to see any outcome. I spoke to Ms. XXXX ( ID : XXXX ) a supervisor and she told that it was wrong information provided by the customer service representative and they inform the customer service about it but they can not help me to provide more that {$7500.00} and will compensate {$100.00} if I do not report this case to Consumer service department. 

It was such a cheap service by American Express where they misguide the customer with there false promises and try to bribe customer to avoid complain. 

Most of the customer service representative does not know how to convey the balance transfer limit including Ms XXXX who consider to be a supervise and not serious about language confirming the request. 

I would request to take a serious action on American Express so they stop misguiding the customer by providing false promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report when I contacted the credit reporting agency they refused to tell me how to have them removed. Inquiries and companies that I did not know anything about. 

They told me they could do nothing. I tried calling the companies that were placing inquiries they did nothing for me nor returned my complaints. 

Transunion actually offered me a PAID credit protection plan to avoid this problem in the first place.