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

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, 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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Account opened on XX/XX/2018 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 their alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 


Account : XXXX. 

Account : XXXX  Removed as a collection but Shows as a closed Account on my credit file. 

Account : XXXX XXXXXXXX Removed as a collection but Shows as closed and reports a late. 

Account : XXXXXXXX XXXX Removed as a collection but Shows as a closed Account on my credit file.
Product: Credit reporting or other personal consumer reports

Transunion is reporting several accounts that are closed and showing potentially negative that are not. I've tried several times to remove the old information, and nothing has occurred, no changes have been made. I'm requesting all old information removed from my accounts, specifically XXXX XXXX, has been settled and needs to be removed. XXXX XXXX is closed and needs to be removed. XXXX is closed and paying as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX distress, XXXX, XXXX distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX XXXX, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing all inaccuracies on my credit report with Transunion.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated inaccurate and questionable items that your agency didnt make sure was reporting 100 % correct.

In accordance with the Fair Credit Report Act, everything has to be 100 % accurate on my credit report and under 15U.S. code 1681e ( b ) and 15U.S.code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Debt collection

I have made repeated attempts with Portfolio Recovery to resolve a charged off account from 2010, the collectors and managers are rude and unresponsive to my request to arrive at a reasonable settlement, they demand an amount I can not afford to pay, the account well beyond the statute of limitations and remains on my credit report. The company that purchased this debt from the issuer is located at XXXX XXXX XXXX, XXXX, VA XXXX phone:XXXX, this matter could have been resolved long ago if it were not for the greed this company has demonstrated.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, which I cant explain. I reviewed my credit report as usual, and suddenly, there were discrepancies. I tried refreshing my browser to see if it was a temporary error, but the inquiries stayed. I am extremely frustrated and request that the documents Ive provided be thoroughly checked to ensure this never happens again.
Product: Checking or savings account

PNC bank are the worst for starters. Incompetent reps that never know the answers to than leave me on hold forever to then return in the line clueless not knowing the answer. Listen to how ridiculous they are on {$2.00} times 2 equals {$4.00}. I disputed these two charges that Posted into my checking without my AUTHORIZATION & PNC DOES THIS REPEATELY to side with every vendor & treats us the customer as we are the scum if the earth & looks down on us as if we are liars. To then in every dispute claim 100 % of the XXXX times " that it was valid. '' I'm desperate to leave them one day, but for now... 

{$2.00} was stolen out of my checking by a third party app. 

Went back in & stole {$2.00} & PNC INSISTED IT WAS VALID. 

XXXX NO. I NEVER AUTHORIZED XXXX TO STEAL {$4.00}. PERIOD. 

PNC DOESN'T GET IT. CPFB ARE SHARP MINDED. THEY WILL UNDERSTAND.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased airline tickets for my XXXX Vacation Trip to visit my family in New Jersey using my XXXX XXXX XXXX XXXX XXXX XXXX ( See Attached ). I purchased an Economy Fare for which I was notified that this fare did not allow me with overhead bin access for my carry-on bag ... I was not bothered by this as I was using my XXXX XXXX XXXX XXXX for this purchase and my card benefits allowed me one bag under my seat and one bag in the overhead bin ( See Attached ) ... When I checked in for my XX/XX/XXXX flight I was advised by the ticket agent that I was only allowed access for one bag that could fit under my seat and that I would need to check my other bag for a {$25.00} fee ... I advised the XXXX XXXX agent that my Credit Card benefits allowed for one ( 1 ) personal item that fits under my seat and one ( 1 ) Carry-On bag ... I proceeded to show the agent my XXXX XXXX Credit Card and even pulled up the XXXX Economy Flight Policy on the internet showing her my benefits ... She took my Card and called the Credit Card Company and they told her that my Credit Card did NOT qualify for this benefit ... Once again I showed her the policy that was on the XXXX XXXX website and she went into the back office to get her manager ... Her manager reviewed my Card and she agreed that my Card did not qualify for this benefit ... She told me that I had the XXXX XXXX XXXX and that only the XXXX XXXX XXXX qualified for the Carry-On Bag benefit ... The Web-Site ONLY states " XXXX XXXX XXXX XXXX '' it does NOT differentiate the Red or Blue colors ( See Attached ) ... I feel that this is a clear violation of the UDAAP regulations as in my mind this is an extremely deceptive practice. The ONLY reason I have this card is for their Travel Benefits for which I was denied ... This also caused me to experience over a one ( 1 )  and a 1/2 hour delay after landing because my bag ended up being misplaced and ended up in another terminal which caused me added travel stress ... It also caused me to be extremely late for our annual Family XXXX Party ... On my return flight on XXXX XXXX, I just went ahead and checked my bag and paid the additional {$25.00} Fee ( See Attached ) rather than having another dissatisfactory Customer Experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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, 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 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.

ALSO, Please remove unauthorized fraudulent inquiries on my report Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized fraudulent items must be removed from my credit report. 1. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX 2. [ XXXX  XXXX ] Inquiry date : XX/XX/XXXX 3. [ XXXXXXXX XXXX  ] Inquiry date : XX/XX/XXXX 4. [ XXXX ] Inquiry date : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. please remove these accounts from my report- they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account, XXXX XXXX ( # XXXX ), is not complete and acccurate. And XXXX more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.
Product: Money transfer, virtual currency, or money service

I have completed a transaction with PayPal on XXXX XXXX, 2020. PayPal is holding on to my money and char4ged a transaction fee and still holding g on to it. 

In the mean time they charge me interest on their credit card. 

They hold on to my money with impunity Most unscrupulous company They waste time sending all calls to XXXX Paypal id : XXXX Every time I call they give me a hold time of 7 hrs
Product: Student loan

The job market based on the academic program that I selected was horrible, the criteria for jobs didnt help and I wasnt able to find jobs within the programs. The amount of debt that I am currently in is hindering my future greatly and is stopping em from fulfilling the American dreams. I shouldnt be responsible for the false representation which in my opinion is equivalent to fraud and misrepresentation.
Product: Mortgage

I have an FHA mortgage with Bank of America and I have been begging them for the last 3 years to refinance my mortgage. They sent me a XXXX page application to fill out which I did and then faxed it to where they told me to. I am in the midst of a XXXX and my wife, very soon to be XXXX, wants no part of the house as I am so upside down with it. The bank is telling me that since her name is on the original mortgage -- -although she was unemployed and made no contribution financially to the mortgage when we got it -- -they insist on all her financial information and will not move on the application for the refinance. I am between a rock and a hard place as I have just recently retired ( XXXX/XXXX/15 and am now living on Social Security and a State pension. I am at 5 and 1/8 % and I know they can do much better than that but they are completely at a stand still in the process and I am getting no relief from them whatsoever. If you could help me I would be exceedingly grateful. Thank You in advance.
Product: Bank account or service

I received my Direct Deposit on XX/XX/2016 the amount deposited was over XXXX dollars. When I checked my balance TD Bank had over drawn my account XXXX or more. When I called in to speak to the customer service representatives they were helpful and one rep replaced only XXXX dollars. I called back and spoke to a supervisor who only replaced XXXX dollars. for a grand total of XXXX dollars of my monies returned. 

Not to mention none of the items that they returned was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

I've been trying to purchase a subscription through Google pay using a couple different perfectly good credit cards. 
However Google pay has put a hold on my use of their monopolized online payment service, pending my submission of personal and financial information that doesn't concern them.

I don't have a Google bank account or credit card, and have canceled and deleted any games Google pay services.

Google does NOT NEED my information, yet they are holding my abilty to use their monopolzed online pay services hostage, in an attempt to extort my personal information from me. 

I see this as illegal " Pretexting '' under federal and state laws. 

The Gramm-Leach-Bliley Act ( GLB ) of 1999 requires financial institutions to protect consumer financial privacy, including information like names, addresses, and income.

State laws California 's Financial Information Privacy Act ( FIPA ) gives consumers the right to limit how financial services companies share their personal information. FIPA applies to banks, credit unions, insurance companies, and other financial services companies. 

Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information, and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. '' And I demand that something is done, and I am compensated for my losses of time, abilty to make online purchases, and loss of profitable financial opportunities, due to Google pays illegal policies, causing mental aggrivation and loss of potential profits.
Product: Credit reporting or other personal consumer reports

I see there are 9 hard inquiries in my credit report that I dont know and I didnt give any consent.some are repetitive.these inquiries affected my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have requested Experian to delete the account in question because of the wrongful reporting. Experian is still reporting a Chargeoff account with a balance from XXXX  XXXX  XXXX. According to the FCRA there should be a {$0.00} dollar reported when the account has been sold to a collection agency. I have attached the invoice from the collection agency and my response letter to the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2019 I went in person to the Wells Fargo Bank at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX to pay off my mortgage in its entirety and close out the loan completely. I said I want the mortgage to be done completely today and the bankers indicated they understood. 
I met with a banker, XXXX, who called the main wells fargo site to get the entire payoff amount for my mortgage # XXXX ( I am client XXXX just a number to these bankers ). 
I owed about {$2200.00} and the payoff amount from the wells fargo main site added {$200.00} " fee '' to completely close the loan ( Check amount was {$2400.00} and change ) and I got a receipt indicating a " XXXX balance and that the mortgage was paid off completely '' ( It took 4 staff to process my final mortgage payment in the bank in about an hour total time- I figure they do not have much experience in closing out mortgages ). I was told " congrats and the mortgage was completed ''. On XX/XX/2019 I received a letter indicating that " the funds received were less than the total balance owed '' and that I was going to receive ANOTHER mortgage Bill ( amount to be dertermined )!!!! This is completely dishonest, unethical and reflective of the recent bad press that Wells Fargo Bank has received. This is simply the wrong way to do business and completely ruined my mortgage pay off day, a once in a lifetime event. I went in in good faith and paid off the loan 7 years early per the bankers guidance and direction. I am going to the media next- I hope this makes national news. These are really low bottom -- dwelling banking practices. They can not do this to hard working people who actually go the extra mile to pay off a home loan the right way after many years of sacrifices.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXXXXXX 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 XXXXXXXX XXXX Have written and made several calls to get verification on the debts that's has been placed on my credit reports, There are many inconsistencies on my credit report which have lasting effects for my life. Please Remove these items immediately!. 
Incorrect Addresses Incorrect name or surnames Incorrect Phone Numbers Please Remove XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited my IRS Issued refund check into a Capital one atm for my XXXX taxes, the atm said it should be available the following day which would have been XX/XX/XXXX. I called XX/XX/XXXX and spoke with someone who said they are waiting on verification from the irs that it's a real check. they informed me it should be good to go by the end of the week ( XX/XX/XXXX ). when the fund were not released on that day I called again and some one once again told me they were waiting in the irs. I called the Irs and they said it's been verified and Capital one isn't waiting on anything. Called today and was told that they are waiting on the treasury department not the irs. I've tried to escalate the situation and speak with a higher up but no one has even tried to call me back as of yet.