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

I have sent 2 multiple inquiry letters to Transunion within these 60 days. I also had a fraud alert placed on my credit file on XXXX XXXX, 2017 that indicates anyone who runs my credit needs to call me verify my personal information and that was n't done and that violates my rights as a consumer. I explained to multiple CSR that their are multiples of certain places of inquiries that definitely indicate fraudulent activity but they do n't care. I reached out to the Transunion on more than one occasion to advise of my credit being pulled without my permission. They keep telling me there 's nothing they can do and inquiries are factual and no real foot work has been done to help me the consumer resolve this issue.
Product: Credit card or prepaid card

I purchased two XXXX smart phones using XXXX XXXX which is run by TD Bank. I paid both of these phones off in full. 
My wife 's phone had a rebate offer of {$220.00} if we traded-in her previous XXXX phone. 
It was sent as agreed to XXXX in the packaging and box they provided. Although it was mailed in pristine condition ( I have XXXX records showing that it was used until we started using her new phone ), it was severely damaged during the shipment process ( it looked like someone has actually stomped on it and it was totaled ). 
At first XXXX revoked the rebate. I diligently paid the off the {$220.00} debt to TD Bank on XX/XX/2018 while my dispute proceeded forward. However, after I wrote XXXX they agreed to refund the {$220.00} charge. The refund was placed in my XXXX XXXX ( TD Bank ) account. I saw my refund sit in my account for several months in " Pending Transactions '' as a credit to me until I complained about not receiving my refund. I sent TD Bank as proof the email I received from XXXX XXXX refunding my {$220.00} asking for my credit. It of course has now disappeared from " Pending Transactions '' all together now! 
I talked to TD Bank 's customer service at length about this, and the department managers ( note plural ) agreed with me that I had paid the {$220.00}, but that that it was out of their hands. I just want the {$220.00} owed to me. 

Thank you very much!
Product: Credit reporting or other personal consumer reports

I previously was a victim of identity theft so i had a fraud alert on my profile. While always monitoring my profile i have realized numerous inquiries that were not of my doing i have tried to take them of on line with the respestive bureaus with no sucess. i am in need of great help for thi is a hinder on improving my families quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts : XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX Balance : {$230.00} XXXX XXXXXXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX This was already included in my prior COMPLAINT # , and I'm including it again. this complaint is my follow-up complaint to ensure the validation of the listed accounts.
Product: Mortgage

I submit a previous complaint ( XXXX ), the company respond to you, but I 'm not agree with their answer. 
According to their letter they reclassified a deferred interest into a deferred principal without my authorization, and as far as I know is illegal to do any modifications to a mortgage without concert of the owner. 
I did a modification back in XXXX XXXX, XXXX with XXXX ( original lender ), the mortgage has been sold 3 times now. I have a letter from XXXX dated XXXX XXXX, XXXX XXXX 3 months after the modification ) where they say that my PMI was supposed to be removed back in XXXX/XXXX/XXXX where a XXXX XXXX XXXX took place. 
Now this company apply the deferred interest as part of my principal balance, raising the principal from XXXX  XXXX thru $ XXXX. They want to keep making additional XXXX a month in PMI. Every time that I request documents to them, they ca n't submit anything to me. I called at least XXXX times requesting the modification paperwork, every time they give me a 5 days to send me the paperwork. Never received anything from them. Very bad customer service, very rude people with their clients. Still waiting for the next day phone call from one of their supervisors in XXXX at XXXX ( XXXX XXXX XXXX. He was supposed to called next day to give me an explanation about my case. 
I need you help with this case. 
Thank you
Product: Credit card or prepaid card

OnXX/XX/2011someone open up a fraudulent account in my name with Elan Financial service goes by Card member service. I've reach out to the company numerous time requesting for them to send me legal documentation that the account belongs to me. I also ask the company to send me proof of my driver 's license and application were I did the application. Elan financial service will not send me any proof that i open this account with them. I have sent in a police report to the creditor bureau on my behalf stating that i have been a victim of identity theft. I fell that all my rights have been taking away from me because of this matter on my credit report. please help with this matter.
Product: Credit reporting

My Equifax report dated XXXX/XXXX/2016 reflects a hard inquiry for a credit facility for which I DID NOT apply : XXXX / XXXX XXXX on XXXX/XXXX/16. I suspect identity theft and have put fraud alerts on my credit reports. In the meantime, these inquiries need to be removed from my report as they were fraudulent.
Product: Bank account or service

My chase checking & savings accounts was closing. When inquired I was never given correct information why the account was close. Even the phone operator hesitated to give then ID & name saying as for the policy. My account was closed with a positive balance which they sent me a cashiers check. 
Now I have a past due balance notice and when inquired what the past due is, they are failing to provide any kind of bill other than the bank statements that I already have. 

I am worried that they will send this to collection and destroy my credit.
Product: Debt collection

I.Q. International Data is a debt collector for XXXX XXXX XXXX XXXX XXXX which has increased alleged the amount owed with six percent daily interest for years without any contractual agreement with my signature from XXXX to XXXX. In violation of FDCPA 1692e ( 2 ), where the collector claims an amount more than actually owed ( allegedly due to interest, late charges or other fees, that are not authorized ). I would like these practices to end not only for me but for all hard working Americans that have dealt with this type unethical profiteering behavior.
Product: Money transfer, virtual currency, or money service

Ever since I had venmo I had problems I am not rich I am a XXXX XXXX and I use XXXX XXXX XXXX acct, PayPal bank acct, XXXX XXXX, they won't let me add money off any of those debit cards only some of the bank accounts with a 5 day waiting period I mean what is the point in moving money if you have to wait 5 days unless you are a XXXX XXXX? I send money to family and vice versa and sometimes I need it that day or my kids need it that day I have XXXX XXXX XXXX XXXX XXXX XXXX  they have cars and XXXX  etc. Anyway I stopped using it and needed it today for a small thing so I tried to delete 3 cards and added my step card which is a card that I have with my son I sponsor his teen account and I have an adult account with step a credit card to build credit and they would not let me add money after I added the card not even with the 3 percent fee. Okay fine. Then tonight I buy a prepaid PayPal card at the store for a small amount of money we are talking {$20.00} here and I go to add the card to Venmo it's just as good as a debit card and they do accept these types of cards by the way. They give me an error saying you have tried to add too many cards!!! This is my second added card today one was credit and one was prepaid what was I supposed to do when you turn down my credit card? I think there is some discrimination going on here with Venmo and myself is what I really think is going on. I have a history and I am not perfect but I am no kind of online financial crime artist or anything. I have a criminal history over 10 years ago but nothing since then. I think Venmo has it out for me is what it really is and it's starting to affect my mental health a little bit. So they better loosen up the rains on there internal controls around my account because I am about to call the attorney general in every single state in the country and mention that they don't accept dasher direct and they don't accept PayPal? There own company? They don't accept transactions from there own company what is that all about some kind of intercompany rule that the XXXX XXXX XXXX XXXX put into place? Seems like it would be easy for PayPal and venmo to accept each other 's transactions they would trust each others system and controls in place don't you think? 
What is up with Venmo not letting me get any of my money online? XXXX seriously. My startup is coming in the next couple years so they better watch out and if it doesn't work out I am going to work for the government in compliance no matter my record still got 16 years of CPA work and controller/CFO work under my belt. Send this to Venmo. Tell them XXXX XXXX has their attention
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit card

XX/XX/year> I ordered ( order # XXXX ) a NEW XXXX from the on-line Apple store XXXX The list price was {$790.00} plus tax. 
XXXX was offering me {$310.00} trade-in credit for my OLD XXXX : {$790.00} XXXX trade-in Subtotal {$480.00} Sales Tax XXXX TOTAL {$510.00} The net {$480.00} would be financed on my new Goldman Sachs Apple Credit Card without interest over 12 months @ {$40.00} month for 12 months. 
On XX/XX/year> Apple informed that after inspecting my XXXX XXXX they would only credit me {$60.00} instead of {$310.00}. Apple said they would charge this denied $ XXXX tax to the Apple Credit Card . I declined this new offer and elected to have Apple return my XXXX XXXX. 
That same day, XX/XX/year>, I asked Apple to return my OLD XXXX and decided not to keep the NEW one. I returned the NEW XXXX to the XXXX XXXX NJ Apple store and received a paid in full receipt. 
The problem is that Goldman Sachs has kept {$330.00} as an open balance on the credit card. I have disputed this charge 3 times without resolution, each time receiving a temporary credit of {$330.00} only to have it reversed. I've repeatedly asked Goldman to contact Apple but have received no information and I have also contacted Apple who says that they issued the credit to Goldman.

Bottom-line : I returned the NEW XXXX and have my OLD one but the denied trade-in value of {$330.00} for a NEW XXXX I never kept remains on the card.
Product: Credit card

On XX/XX/10 XXXX XXXX XXXX XXXX XXXXXXXX XXXX charged me {$10000.00}. Services were never rendered and I caught them predatory charging me and charging incorrectly.
Product: Debt collection

This complaint covers 6 violations.

This complaint covers 6 violations and disputes as listed. 

XXXX has violated the FDCPA laws multiple times in their collection efforts of a outstanding XXXX account in both their reporting of derogatory information on my credit files and in their collection techniques of this XXXX account XXXX Company and their Smith Debnam have conspired to harass me and impress me with many violations against North Carolina laws and Federal laws. 

XXXX. XXXX XXXX willfully and intentionally reported ghost payments to the credit bureaus three months in a row in a direct attempt to sabotage the time period of that account automatically dropping off of my credit files. 
See attached for evidence. 


XXXX. XXXX XXXX and their attorneys at Smith Debnam in North Carolina are harassing me sending me multiple letters with multiple amounts and will not leave me alone. 

XXXX. XXXX XXXX keeps removing account under dispute contrary to Federal laws And further claiming that they have resolved the issue which are false representations again! 

XXXX. I am filing complaints Again with multiple agencies tomorrow and seeking an FDCPA attorney to take action. 

XXXX. I dispute this account XXXX XXXX here and now # XXXX and will notify the credit bureaus if i feel it has been satisfactorily resolved. 

XXXX. I demand that XXXX XXXX and Smith Debnam quit harassing me about all of these different amounts and oppressing me as it is causing me to enter deep XXXX and mental  anguish.
Product: Credit card or prepaid card

Kohl 's calls me several times a day, every day and leaves a voicemail. I have scheduled a payment and agreed to schedule a payment for my remaining balance when I get paid next. I still receive cash, emails and texts constantly to make a payment.
Product: Debt collection

I have a unverified account from MIDLAND FUNDING LLC. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that MIDLAND FUNDING LLC Cease and Desist all further communications. MIDLAND FUNDING LLC needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., they are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against them with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST.
Product: Checking or savings account

Wells Fargo allowed an unauthorized XXXX transaction to be made from my checking account in the amount of {$3500.00}. I contacted Wells Fargo as soon as I discovered the fraudulent transaction. I learned around one month later when calling back that this first associate at Wells Fargo did not even report the claim to the fraud department. I was then told that the transaction was authorized and they would not be refunding my money. I never made this transaction or authorized it AT ALL! I am out of {$3500.00} due to Wells Fargo 's negligence and lack of security. They provided zero help for a security breach on their end and it is unacceptable.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a formal complaint against XXXX XXXX XXXX regarding a collection account that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX XXXX XXXX and the credit bureaus, the collection account remains on my credit report, causing significant harm to my creditworthiness. 

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

I have had a checking account with Bank of America for over ten years. This weekend with no warning or notice they closed my checking account. I was actually left stranded several hours from home because I wasn't able to use my card to call a XXXX or XXXX because they had closed everything down. 
I called several XXXX numbers they provided looking for information. 
Noone was willing to give me any information about why my account was closed or how I would be receiving the money that was in the account. 
I went to the store and also wasnt giving any information. I received nothing in writing. I went to the bank and was told to call the number i called the number and was told to go to the bank. 
This bank is holding my money hostage and also refusing to give me any kind of information about why or where it is. Please help me.
Product: Mortgage

When I closed on my house and signed my mortgage, I agreed to specific terms on what was needed to cancel PMI. 

Once I had paid down the to the agreed upon 80 % of my principal, I reached out to Chase - while I initially received the mortgage from XXXX, it was sold and Chase took over the administration of the loan. Chase sent me the paperwork, I filled it out and sent it in with a check to order an evaluation. They sent the check back with no notice or explanation. After several communications, I finally was able to get someone to tell me that I wasn't eligible to have my PMI cancelled. When my loan was sold, it was packaged as an investment loan and their policy was I needed to pay down to 67 % percent as it was an 'investment property '. 

This is my home and full time residence, which is classified as a duplex. Regardless, these are not the terms I agreed to when I signed my loan. My original terms ( attached ) state that PMI will be cancelled either when I reach 80 % and submit a written request ( which I did ), have good payment terms ( I've never been late and have overpaid every month ), am current on payments ( yes ) and the servicer requests and at my expense indication that the property has not deteriorated ( I send in a check for the XXXX and included expenses I've undertaken to improve the property since purchase ). I've also now reached the date that my loan was originally scheduled to reach 80 %- which was XX/XX/2023 and I'm still paying PMI. 

I've met the original terms to cancel PMI - both by making extra payments and reaching 80 % prior to the original date, and now have reached the scheduled date my PMI was supposed to be cancelled. 

Chase refuses to engage with me, just sending the same canned response each time I make a request. I have no choice in who services my loan, but I agreed to the PMI terms when I signed my loan. This bait and switch is not fair to me the consumer. I agreed to specific terms when I signed my mortgage and Chase has changed those terms with no notice - if I'd been notified, I would have paid my mortgage down to 80 % prior to the sale to avoid all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report I found an account listed from Macys/Citibank , N, A # XXXX where I was never provided ALL of the required disclosures or option to opt out under Title V of the Gramm-Leach-Bliley Act 15 USC 6801-6802 ( b ) ( c ) Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with XXXX XXXX ACCOUNT NUMBER XXXX, all have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXXXXXX