23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a private XXXX XXXX. American Express is denying me banking access due to not having a social security number and reporting to the credit bureaus. I have given them Notice from the secretary of state showing i am a secured party. I have also given proof that I have no MLA obligations or affiliations. They told me i would have to get foreign credentials to get access to credit and banking. They securitizing my credit. They are restraining my trade. They are violating the Equal Credit Opportunity Act. I am a beneficiary of a trust and a federal consumer with guaranteed rights that are being illegally violated and causing me harm. Application refrence # XXXX
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which mandates a reasonable investigation of disputes. 
Furthermore, XXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 
Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

SPS approved me for a COVID-19 Deferral of your outstanding payments outlined in the the COVID-19 Deferral Confirmation Notice sent to me on XX/XX/2021. SPS offered an 11-month Deferral Plan.

Due to ongoing hardship caused by the Covid-19 Pandemic I requested and request an extension of the forbearance plan I was enrolled in mandated in the FHA, XX/XX/2021 Mortgage Letter XXXX. 

SPS ignored my requests in violation of White House Rules necessitated by the Covid-19 National Emergency. SPS needs to enrol me in the extension and remove the delinquencies from my account. 

SPS failure to allow me the relief mandated by the White House and FHA has caused me XXXX XXXX and exacerbated my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been given a copy of the FTC required documents to properly block the fraudulent accounts reporting on my equifax credit file. For 6 months now they have verified the information with the creditors and refuse to block information that has been reported to police and FTC. I have complied to the fullest and they insist on continuing to damage my reputation by not complying with FTC law.

They are very eager to get me off the phone each time I call.

One lady called me a a Liar just like all other men.

What the heck have I dont wrong to these people to deserve this treatment?
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized XXXX Date of inquiry : XXXX  Please Delete Immediately XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX regarding their elusive practices and lack of accessible mechanisms to manage adverse reporting. Unlike XXXX, XXXX, and XXXX, XXXX does not provide the same user-friendly interface or readily accessible methods to dispute errors, access credit reports, or monitor adverse items in a timely manner. 

XXXX reports information that adversely impacts consumer credit but fails to uphold the same standards of transparency and consumer engagement maintained by the other major credit reporting agencies. Specifically : 1. Access to Credit Reports : XXXX does not provide an intuitive, readily available platform for consumers to request and access their credit reports online. 

2. Dispute Resolution Mechanism : There is no clear or efficient process for disputing inaccurate or incomplete information reported by XXXX. 

3. Adverse Impact : Due to the above deficiencies, consumers are left unaware of potential inaccuracies or derogatory entries reported by XXXX until they encounter issues during credit checks or loan applications. 

This lack of accessibility directly violates the spirit of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies provide clear, reasonable, and consumer-friendly mechanisms to access and dispute credit information. 

I request that the CFPB investigate XXXX practices to ensure they align with the legal standards expected of credit reporting agencies. Specifically, XXXX should be required to : 1. Develop and maintain an accessible interface for consumers to request, review, and dispute their credit information.

2. Implement an efficient and transparent dispute resolution process.

3. Provide clear and proactive communication to consumers regarding adverse entries on their credit reports. 

Thank you for your attention to this matter. I trust the CFPB will hold XXXX accountable for ensuring fair and equitable treatment of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not lat

er than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute an inaccuracy on my credit report. I am filing a complaint with CREDIT SYSYEMS INC are hurting my credit because of there an inaccuracy on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX  XXXX, Co XXXX. 

I recently pulled my report and noticed an inaccuracy in the information being reported by XXXX. Specifically, I am disputing the following : -Incorrect account statuses : The account is reported open account and is also in statuses in collection. 
-15 U.S.C 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- -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 an account without my written instructions.
Product: Checking or savings account

I've been a long time customer of Capital One for over 20 years ( going back to when it was ING ). I have both a savings account and a money market account. The interest rate has always been one of the best in the market. In XXXX interest rates were reduced dramatically due to COVID and in XX/XX/XXXX the government starting increasing interest rates dramatically. I realized in XX/XX/XXXX that my interest rate has only be 0.3 % when interest rates were dramatically hire for the last two years. When I inquired why it's so low, Capital One advised me to open up a new " performance savings account '' that is offering 4.35 % interest. I had no idea this existed and wasn't informed about it until I asked. The issue is the fact that they arbitrarily opened up a new savings account with a higher interest rate, never told me about the change, and left me stuck in the low yielding account. I've had between $ XXXX and have been missing out on roughly the difference of 4 % interest for 2 years which could have been $ XXXX. I find it certainly disingenuous and on the verge of fraudulent to make that change and not alert customers to the fact. The purposely left me in an account paying minimal interest so they wouldn't have to pay the higher interest rate. They told me when I called that I should just check the website which is XXXX. I feel they should have to pay me the interest I could have earned had they told me of the change, or simply switched my account to the new account. Please advise on next steps and how to handle. Thanks.
Product: Checking or savings account

I have several online accounts because I simply dont want to pay ridiculous fees. I use them for various purposes and try not to put all my money in one place. I also purchase a lot things using XXXX XXXX. I was laid off on XX/XX/2020 due to Covid19 impacting the hotel business. But quickly took the opportunity to be rehired again on XXXX XXXX to be laid off again on XX/XX/2020. I decided to consolidate all my accounts into one for better management as I need to see my entire savings in one place. I transferred amounts from XXXX XXXX and the other 2 bank accounts to Simple. Everything was good until I started to spend the money. Without warning on Friday, XX/XX/2020 at XXXX I received a message from support saying my account is in the process of closing and basically I have no access to my balance. After its closed ( which I know takes several business days ) theyll mail me a check which can take another 10 days. I am on unemployment now but my first payment is in 2 weeks! Contacting me 9 minutes before they close for the long Memorial Day weekend and blocking my funds is inhumane and in my opinion cowardly. Im not disputing or questioning why my account is being closed because they hide behind the fact that they can close accounts as they see fit and bare no responsibility for inconveniences caused by this closure. I have {$200.00} on me and rent is coming up. Support has ignored my request to access some of my funds for bills and living expenses and I can wait for the check later on. They refused. I have no income because of Covid19. My unemployment insurance doesnt start until XX/XX/2020. I have rent, bills and have to eat. And Simple blocked me from my money and does not care. Banks dont need to tell us the reason they are doing certain actions so why do I need to tell you why Im transferring money into Simple account and spending them? This is not my fault and feel like its my problem. I might as well purposely catch Covid19 so I can be put out of my misery. This is not right. Its only {$3700.00} to Simple, small amount. But its my lifeline and Simple just cut the cord. Give me something. If you close my account then close it but youre giving me no options to survive. If you suspect something block the transaction and call me to ask. Dont close it without warning and take your time giving me access to my lifeline because its a small amount and you dont care. I need {$2000.00} for my rent and bills plus Ill eat XXXX XXXX everyday. You accept money so willingly and readily as if its yours. Then when its taken out to be spent you throw a fit by closing my account and blocking me access. Is this how it goes? Amidst a pandemic we are at the mercy of the banks because we need money to survive. Is this where banks play XXXX and determines who suffers?
Product: Money transfer, virtual currency, or money service

Payroll check with 2 years of deposit history from same bank and being a member for 15 years, was held for a 10 day hold. Account wasnt negative either. Called 3 days after deposited on XXXX XXXX and was told check cleared, but they won't release the fund till the 10 days hold is up... this was the second call i made too. The first was 3 days prior when i cashed the check, which i was promised a call back that NEVER CAME. I Had obligations and this has set me back considerably. Even after telling me the check cleared and its XXXX XXXX XXXX, they wouldnt let me have access to my funds. 

UPDATE : Called me right after this review and called me a liar about them saying my check cleared yesterday even though i recorded the conversation due to XXXX XXXX XXXX XXXX XXXX Its on the recording you liars...
Product: Checking or savings account

XX/XX/year>, My account to the process of closing which takes 30-60 days. I waited 30 day which was XX/XX/year> to call in to the bank. I spoke to a representative regarding the funds that i had on my account that was closing. They rest assured me i would receive my funds i would have to either go in to the branch and take the money out or wait for a closing check with a tracking number. After getting off the phone with the bank i went to the branch to pull the money out and they told me my balance is {$0.00}. My balance should be at {$910.00}. The bank teller told me the money was pulled because they are sending out the closing check. Now Monday XX/XX/XXXX, i called the bank back and asked for a tracking number for the close out check. The representative said they will not be sending out a check because the funds i had on the closed account is now on hold. How could that be when i just spoke to someone saying that i will receive my close out check? Now when i call i get the run around. I need my funds As soon as possible i have rent to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am afraid the three credit reporting agencies have not been exercising their grave responsibilities that were given to them with fairness impartiality, and a respect for the consumers privacy. I did not give consent to these accounts, being shared on my credit report. Or have given any permissible purpose. It has come to my attention that, although I have written several letters, asking for validation of death auto trails I am not getting any response because of the automated system in which they have in place, which is a violation as well. I am demanding these accounts be removed immediately off my credit report as it is in violation to my privacy as a consumer, according to the federal constitutional law, 15, USC 1681.

15 USC 1691 15 USC 1601 15 USC 1692
Product: Money transfer, virtual currency, or money service

I have a paypal account, i recieved notification from paypal for unusual activity on XXXX XXXX I logged on and saw the unauthorized transfer to an unknown individual. I immediately notified paypal of an unauthorized transfer. They opened the case, on XX/XX/XXXX. 
On the XXXX they sent an message saying case denied transfer was authorized, i called an they said if i had a problem report it to federal authorities. 

I am reporting the theft of my money in the amout ( I do not know the currency ). 

Dispute Case ID : XXXX Transaction Amount : XXXX PLN
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 violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am out the countryat and I can't get my credit report because it said XXXX is NOT available. It should be optional to check for the location of the person who request the info. or ask before checking
Product: Mortgage

I paid off my mortgage to Nationstar mortgage in XXXX 2015, and requested a projected time to record the full reconveyance. They responded it would take 30-60 days to prepare the paperwork. I subsequently found California gives them 21 days to Record the documents. As of today 's date XXXX/XXXX/2015 nothing has been recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I made transfer to myself by mistake on XX/XX/XXXX in the amount of {$72.00}. I then call in on XX/XX/XXXX once I realize the mistake and the fund has not been return to me.On XX/XX/XXXX Western Union responded to my complaint saying send the a copy of my bank statement that I provided them on XX/XX/XXXX and re email it in XX/XX/XXXX do to the fact that I did not hear back from them. So I call back on XX/XX/XXXX the customer service rep stated that it was received on XX/XX/XXXX and if it wasn't refunded by XX/XX/XXXX. To give a call back that I didn't and another customer service rep said that it has not been work on give them today it been well over two months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX # XXXX Pursuant to 18, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : ENHANCED RECOVERY CO L # XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( XXXX XXXX authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a XXXX entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the XXXX-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, XXXX.