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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Attention dispute department RE : Unauthorized Credit Inquiry Dear Sir/Madam This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry :  XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

On the date of XX/XX/20 I was scammed of exactly {$1300.00} and I immediately called my bank Wells Fargo. I called the claim assistance center and the first banker who talked to me assured me that my funds would be resolved within 10 business days. I had confidence in my bank that they would return my money because of the reassurance that the banker reinforced with me. I then received three letters after from the bank. The last letter stated that they closed the claim and that they would not take further action to resolve my funds. I then called the bank to talk about my case to a banker after discovering of my result of the case and they said that they would not help me whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have been caught in a LIE and using illegal tactics to collect information! As you can see from the attached documents CLEARLY prove that you have been breaking the LAW! All previous letters have been dated, recorded and forwarded to the CFPB. Please save yourself the embarrassment and delete the account disputed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Attached Supporting Documentation : [ " The U.S. Bankruptcy Court, XXXX XXXX of Texas does NOT report information to any credit reporting agency. And do not supply credit bureaus/CRA 's with verification of bankruptcies or public records. '' ALSO attached is a response from XXXX XXXX stating that the bankruptcy mentioned has been removed from my consumer profile ( highlighted in attached response ) If XXXX has it removed then why are you still reporting it on my consumer report ]
Product: Prepaid card

On XX/XX/XXXX my family and I went to XXXX  XXXX XXXX and stayed until the XXXX. Before we left for the trip we asked if we could us gift cards or prepaid cards to pay for our trip and the agent said that we could. So once we arrived we went to the counter we presented the prepaid cards to the agent only to find out that we could not use them. We turned one prepaid card into a regular gift card for XXXX dollars, but the XXXX dollar prepaid card was not able to be used. So after arriving home I called the Netspend company and explained the situation to them and all the keep telling me is that it takes six businees hours to refund my money but it has yet to be done. I have been fighting with the company for eight days now and nothing has been done so I told them that i would take legal action if my money was not refunded I purchased the prepaid cards from the XXXX in XXXX Maryland and was even told to go to the merchant but the merchant was unable to help or refund the money. So I am hoping you can help me with this issue. I have tried to speak to a manager at Netspend but nothing is getting resolved. The prepaid Netspend card with the XXXX dollars on it is in pending status hand has been since the XXXX.
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

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

On XX/XX/XXXX we opened a 24 month XXXX CD with Synchrony Bank at 1.39 %. In XXXX, XXXX, we took advantage of the XXXX and went to 2.75 % APY. A couple months later, when Synchrony offered a 4.6 % 14 month CD we did the math and determined we would be better off paying the 6 month penalty and converting the original 24 month Bump CD to the higher rate 14 month CD. I made a couple of calls to Synchrony in advance to determine the calculation of the penalties since it involved a Bump CD. The two agents were unable to advise me since the calculations were done at a different department. They assumed, like me, that it would be the actual first 6 months of interest that we earnedwhich was {$1400.00}. 
On XX/XX/XXXX we called to make the conversion a reality and on XX/XX/XXXX the transaction was completed. Now the idea of paying a huge penalty for early withdrawal is barely palatable ( but understandable if it is exiting the bank ), but paying the huge penalty when moving from one CD to another at the same institution is more like bank greed. However, instead of just taking the first 6 months of interest we were actually paid, they decided to charge the entire 6 months penalty at the higher bumped up rate, which is not ethical and is more closely aligned with the aforementioned greed. We feel cheated out of {$380.00} due to the deceptive way they calculated the penalties. 

I wrote a detailed letter to Synchrony explaining our position and received a phone call ( XXXX ) from a supervisor in the Trust department who explained they could not make an exception. 

We think their method of calculation is unfair and they should return the extra {$380.00}.
Product: Debt collection

CREDIT COLLECTION SERVICES , INC. sent me a letter regarding an alleged debt from XXXX but they didn't provide any written documentation proving this alleged debt is in fact verified as mine and owed to CREDIT COLLECTION SERVICES , INC . 

They also didn't provide any written documentation proof that they are a registered debt collector in the state of Virginia. I looked the company name up on the Virginia State Corporation Commission and they are not listed as a registered business in the state of Virginia.
Product: Vehicle loan or lease

1. I received an Offer from Capital One Bank through their website for a Pre-approved Auto Loan called " Capital One Auto Navigator '' on XX/XX/2021. Pre-approval Letter reference No. XXXX attached herewith. 

2. According to the pre-approval letter, I started my shopping for a Car within the sales price Range mentioned in the letter. Also, I received a follow-ups email from Capital One saying that the Pre-approval is as easy as 1,2,3 steps. Follow up email attached herewith.

3. After visiting few Dealers, to my dismay, I found that this so called Pre-approval Letter is nothing but a faux to make the Customers walk into a Dealership for Car purchase.

4. One of my earlier inquiry with an Auto Dealer XXXXXXXX  XXXX  made through the Capital One Auto Navigator website made me realize the nexus between these so called Unscrupulous Financers and the Auto Dealers was infact a game to trap gullible Customers by making them apply for an Auto loan through these financer 's favorite Dealers and a high level CORRUPTION could not be ruled out here. 

5. After receiving the quote for a brand new Car 'XXXX  XXXX XXXX, with a down payment of {$1800.00}, being sold by XXXX XXXX  XXXX I applied online for the same but was shocked to hear from the Dealer that they won't accept the down payment mentioned in the website and I need to put more Money as Down payment which is {$3200.00}. The quote provided by the Auto Dealer and Capital One is attached herewith. That, already a Hard Inquiry was placed in my Credit report the same day.

6. When I sent the website quote printout to XXXX XXXX, the Sales Associate simply replied in One sentance saying that I need to put a down payment of {$3200.00}. The email attached herewith.

7. That the above mentioned same situation resulted with all the Dealership and when I gave a telephonic notice to Capital One Auto Navigator, I received a call from one of the General Manager from Capital One Bank in the second week of XXXX, who told me that they are at Liberty to advertise anything and they have no binding and they can tackle the matter with any Government Establishment including the FTC or CFPB. This clearly shows the Bank 's high handedness and the Corrupt practice, which needs to stop immediately and if it's allowed to grow further, that could Rot the whole of American system of Fair lending and FTC 's false advertising & marketing policies and regulations. 

8. That after giving sufficient time to Capital One Bank as well as XXXX XXXX  with no response from them, I am forced to lodge a formal complaint with CFPB for it's intervention and necessary suitable action.
Product: Debt collection

This fraudulent, inaccurate, and false information consists of two collections account named AARGON AGENCY INC opened on XX/XX/year>. These accounts are appearing on XXXX, XXXX and XXXX. They are reporting in the amounts of {$550.00} and $ XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

Once I noticed the false information on my report, I immediately sent a letter requesting validation and verification of the information being reported to my XXXX. The letters were went XX/XX/year> with no response. 

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.
Product: Debt collection

PayPAL bill me later continues to call me multiple times after sending debt validation letter.
Rep called me after  XXXX  multiple times in the month of  XXXX , I answered the phone once and told her it was against the law to call after  XXXX  Rep said " sorry I must have not refreshed the time ''.
I also sent a debt validation letter and have only received statements regarding the account. The company did not provide me with a valid contract that I signed.
Product: Debt collection

I WAS MADE TO GIVE BLOOD AFTER I WAS ASSAULTED REPEATEDLY AND TOUCHED INAPPROPRIATELY. I WAS MISTREATED BY THE SECURITY GUARDS AND NOT GIVEN A CHANCE TO GIVE MY SIDE OF THE INCIDENT. THE DOCTOR BY THE POLICE STATION DID NOT RECORD ANY OF MY SYMPTOMS AND EVEN CALLED ME AN XXXX. THE OFFICER TOLD ME THAT I NEED TO GIVE MY SIGNATURE AND HE WOULD RELEASE ME. AFTER 3 YEARS I AM STILL BEING SENT A LARGE BILL THAT I REFUSE TO PAY AND WOULD RATHER SEE DISAPPEAR AFTER THE TIME REGULATION IS UP WHICH I BELIEVE TO BE 7 YEARS PER MY RESEARCH OF MEDICAL BILLS. I DO NOT WANT THIS ON MY CREDIT REPORT AND I BELIEVE THAT IT IS AN INJUSTICE THAT I HAD TO GO THROUGH THIS.
Product: Debt collection

I have contacted First Source Advantage LLC numerous times with dispute letters. After being ignored by the company while they illegally pulled my credit and continued to access my credit file, I contacted the Federal Trade Commission and filed FTC XXXX # XXXX. I sent First Source Advantage LLC another dispute letter by Certified Mail on XX/XX/2020, USPS tracking # XXXX XXXX XXXX XXXX XXXX. The company signed for my most recent dispute letter on XX/XX/2020 at XXXX XXXX. However, it is now XX/XX/2020 and just like all of the other times First Source Advantage LLC is contacted, they never respond. After their committed failures to respond to any dispute letters sent to them. Prior to now, the company was illegally accessing my consumer credit reports and placing credit pulling inquiries on my credit. I became aware of their unethical business practices when I obtained a copy of my credit reports. However, the company still fails to respond to me or any of my dispute letters sent to them. Yet, they still update themselves and the account each month with the credit bureaus. This is unethical and this is done by them on purpose. Their illegal and deceptive tactic is to pull credit, place an account on my credit, all while failing to ever notify me or contact me. And once I found out about their illegal actions and contacted First Source Advantage with dispute letters ; First Source Advantage purposely updates the account each month with the credit bureaus, all while purposely ignoring all of my dispute letters. This needs to stop. Such illegal patterns should not be tolerated or accepted. They are not looking to operate in accordance with the laws of the FTC and FDCPA, they are using every deceptive technique possible to break the laws on purpose.
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. 

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 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 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 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 that records of convictions of crimes which antedates the report by more then 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

My account with TBOM/ASPIRE, FST PREMIER, AND NEBRASKA FURN was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I send letters to XXXXn, Transunion and XXXX regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.
Product: Consumer Loan

On XXXX/XXXX/2006, a car sales man from XXXX XXXX, XXXX and Bank of America, forced me into an auto loan contract at an exorbitant interest rate. The name of the sales man is XXXX XXXX. XXXX XXXX in presence of the Finance Manager, told me that my interest rate is 7.99 % APR. When I refused to accept it, the Finance Manager told me, generally XXXX, XXXX, XXXX and other people of XXXX, get 3 % higher interest rates. He told me if I was white, he would give me interest rate of 4.99 % APR. He held my car hostage and told me that I had already signed my car as a trade and he told me that the car now belongs to XXXX XXXX. The Finance Manager told me that I had already signed the checks for {$3000.00} towards the down payment and I ca n't have it back. The Finance Manager and XXXX, told me that if I back off from the deal, I will lose the {$3000.00} and I have to walk home as my car belongs to XXXX XXXX as I have signed on the title. The Finance manager also added add-on products without my consent, even after, I declined the add-on products. I signed this contract under severe duress from this unscrupulous finance manager and XXXX XXXX who threatened, intimidated and coerced me into signing this contract. I can not find appropriate words to describe the pain, humiliation, grief and suffering, XXXX XXXX, Bank of America and the Finance XXXX from XXXX XXXX inflicted on me. Few years back I went to XXXX XXXX with one of my XXXX friend. XXXX XXXX spoke to my friend in XXXX and told him to stay away from me. My friend told me later that XXXX told him to stay away from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act XXXX Account number XXXX has violated my rights Account name XXXX XXXX XXXX Original creditor : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out all three Credit Bureaus several times on this matter, no one wants to help me with these items listed 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: Credit reporting or other personal consumer reports

I have asked Transunion multiple times to stop reporting my name in a backwards format. I dont use my name in the backwards format. I asked that Transunion represent the paperwork that shows I use my name within the backwards, format, or to fully remove the name off of my XXXX XXXX report With 24 hours this has been an ongoing issue with Transunion for the last 7 to 8 months backwards names on a Credit Report opens the door for credit fraud to occur
Product: Checking or savings account

I recently was sent an email stating my bank account would be closed within 60 days. They did not give any specifics other than violated the terms of your account per the client manual I have not done anything to violate these terms and dont know what would make them close my account. But searching the web it seems like a common practice On the email it says I will receive my balance on my account only after the 60 days when my account is closed, but also mention in the email : If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. So I called there fraud department ( XXXX ( XXXX ) XXXX ) and talked to a rep asking her to please expedite a check for my balance as I am in a dire emergency. I need the funds for medical reasons and by not receiving it soon it would put me in a real dangerous situation medically. She said she couldnt do anything and I asked to speak to a supervisor who also said I was out of luck! This is unfair that I cant access MY money that I need for an emergency from a decision CitiBank made! I can not wait 60 days for my funds this was my entire savings. I have no other options in this dire situation.