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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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: Vehicle loan or lease

In XX/XX/XXXX three separate payments were deducted from my bank account - for the monthly car loan payment of {$200.00}. 

XX/XX/XXXX, {$220.00} was withdrawn from my account twice on that date : XXXX XXXX had GPS locator on my car plus the ability to lock it soI couldnt start the car - until I paid them the amount they demanded. On two other occasions in XX/XX/XXXX, they came to the parking lot where I was grocery shopping and proceeded to toll my car - they insisted that it would be tolled unless they got their money right then. also they said if I couldnt pay to call a relative or friend and they would have to have the {$200.00} submitted through XXXX XXXX by with a bank debit card - not a XXXX Credit card. the last time they came to the place I was staying early in the XXXX Around XXXX and put the car on the toll truck - with the strong warning that if the payment wasnt submitted right then - my car would be tolled and repossessed - so they did.
Product: Vehicle loan or lease

Hello I spent XXXX hour on phone with Capital One and they refused to help me get a payment extension for the XXXX car loans i have. 

One loan that ends in XXXX with a payment of XXXX and the other Car Loan that ends in XXXX with a payment of XXXX. 

I asked to skip XXXX 's payments for both cars due to getting covid and having complications from covid. they kept telling me to just pay the amounts 7 days after the due date. I kept asking why they wouldn't give me an extension for both car loans and then they said we are going to get you to a manager to assist you. I waited and waited and then they hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and Experian, XXXX, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing
Product: Debt collection

I am formally demanding that XXXX XXXX XXXX immediately cease and desist all communication with me regarding the alleged debt. This demand includes the deletion of any negative information related to this debt from my consumer reports. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), a consumer has the right to request a debt collector cease further communication. Moreover, a consumer report is considered a " medium of communication '' as established in the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In this case, the court confirmed that a credit report falls under the definition of a medium of communication. Therefore, the continued reporting of this debt on my consumer report violates my rights under the FDCPA. I expect immediate action to rectify this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$2300.00}, a balance updated on XX/XX/XXXX, an original balance of {$2400.00}, an account opened on XX/XX/XXXX, status collection account, {$2300.00} past due as of XX/XX/XXXX, and responsibility individual. The original creditor is listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. I am disputing the validity of this debt in its entirety and the listing of XXXX XXXX  as the original creditor. Please investigate this account and remove the incorrect details. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Money transfer, virtual currency, or money service

USBANK : My Name is XXXX XXXX I have an Checking account XXXX and Routing Number XXXX. 
I purchased the tickets from XXXXXXXX XXXX XXXX  on XX/XX/2021 in morning and request transfer electronic funds to XXXX XXXX Account Number XXXX and Routing Number XXXX, XXXX XXXX XXXX XXXX after tickets confirmed from XXXX XXXX. 
In evening when i called XXXX XXXX they told me tickets are cancelled by Travel Agent. 

I called USBANK customer service to cancel this payment, it was due on XX/XX/2021 because of Saturday and Sunday and it takes 4 days to transfer the funds too. 
Bank Customer transferred to Fraud and Dispute transfer and told me after trasferred money " We will file a disputed case and then returned your money of {$1200.00} ''. 
I called so many times on recorded lines and all the time i got different reply. 

I call Cops and filed the complaint and give the complaint copy to Bank, Filled three times disputed forms. 
Two time bank fraud department told me you will get money in 1 week, I called after one week, they told me it is denyed, filed one more time disputed form. then i followed it, Fraud section told me they are working but you will get your money. 

I followed almost 10 times all are on recorded line, finally bank disputed section told we can't returned your money reason in I transferred electronically. 
But Same day i spoke to Bank asked them to cancel this transaction immediately because Agent is Fruad. 
I spoke to Agent 's Bank too but they told me go Cops which i did reported the complaint too.

I filed this complaint AIG office, XXXX XXXX but No action. 

I am looking for my refund from USBANK, because they didnt cancel when i asked but they told me after transaction we will file dispute and refund money. 

All conversation on recorded line on US BAnk. 

Looking for your help. 
Thanks XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Email : XXXX Phone : XXXX ' Thanks
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance and Resolution Regarding Potential Credit Discrimination Dear XXXX XXXX  Credit Card Department, I hope this message finds you well. I am writing to bring to your attention some concerns I have regarding recent interactions and observations related to my credit account with XXXX XXXX. I believe in the importance of fair and equal treatment for all customers, and I want to ensure that my experiences align with the principles outlined by the Equal Credit Opportunity Act.

1. **Recent Credit Requests : ** I have noticed one or more recent requests for new credit on my account, and I would appreciate clarification on the criteria and considerations applied in these instances. Transparency on the decision-making process would help alleviate any concerns regarding potential discrimination.

2. **Average Age of Accounts within Past 6 Months : ** It came to my attention that there might be a discrepancy in the average age of my accounts within the past six months. I would appreciate a thorough review of this aspect to ensure that fair and unbiased evaluations are being made.

3. **Recent Payment Information : ** Concerns have arisen regarding the treatment of recent payment information. Clear communication on how recent payments are being factored into credit assessments would provide valuable insights into the decision-making process.

4. **Limited Installment Loan Experience : ** I have noted potential disparities in the evaluation of my limited installment loan experience. I am eager to understand how this aspect is considered and how it may impact credit decisions. 

I understand the commitment XXXX XXXX has to upholding the principles of the Equal Credit Opportunity Act, and I believe that addressing these concerns will help ensure that my rights under this act are upheld to the best of your knowledge and in accordance with the law. 

I appreciate your attention to these matters and look forward to a prompt and transparent resolution. Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out dispute letter to you guys with two forms of documentation and you guys always send a letter saying you need an ID. I purposely put my two forms of identification and the front to make sure it is seen. I have wasted a lot of money not to mentioned that my credit has been at risk from fraudulent accounts and unauthorized inquires. Could I please dispute the following as these account are not mine and these inquires were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian in XXXX, XXXX regarding an account at XXXX bank, XXXX, XXXX in XXXX, that was created in XXXX, XXXX by a fraudulent {$1.00} XXXX home equity loan on a property I owned and had no debt. The loan involved identity theft at the bank. Private banker XXXX XXXX showed me a HELOC document with my name spelled incorrectly and with no identification required from that bank 's notary stamp. The bank subsequently admitted in court to destroying the document. I wrote to the bank chairman XXXX XXXX ( XXXX, XXXX ) once I realized that my fraud complaint to the bank hotline was actually forwarded to XXXX. The bank has never released the transactions from the account, and I have never had access to the money. I also wrote to XXXX XXXX XXXX at XXXX, that bought XXXX. 
I paid thousands of dollars to attorneys, who tried unsuccessfully, to resolve the matter. In XXXX, XXXX, XXXX XXXX XXXX XXXX met with me and said the bank was working on solutions. I never heard back, and was advised to call the police, which began an investigation into identity theft ( XXXX, XXXX ). 
The details and documentation were forwarded to Experian, XXXX and XXXX, ( along with an FTC complaint ( XXXX, XXXX ), an FDIC complaint ( XXXX, XXXX ) Comptroller of Currency ( XXXX, XXXX ) and letters from my attorney ( XXXX, XXXX ), a personal statement, and personal identification verification. 
Experian is the only credit reporting agency that has not removed the fraudulent account and the disparaging remarks by XXXX from my credit history. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a new debt on my credit file from PHOENIX FINANCIAL SERVICE located at XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX for a medical debt. When I called on XX/XX/XXXX, they stated it was for an ER doctor dating back to XX/XX/XXXX! I asked for an exact hospital info but I was told that it would be mailed to me. As of today 's date I have not received anything. I contacted them again, but still no help and I was told it will take up to 60 days to get the letter. In the meantime, I am stuck with this on my credit file without being able to resolve the matter. I am a XXXX vet and have had medical coverage for many years, I would have reported this to any hospital or doctor I visited, but I can not call anyone about it.
Product: Credit reporting or other personal consumer reports

report.I have contacted the bank regarding this late payment, and they have approved updating the account to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes.

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This complaint is about the unverified late payments in my credit report that I have no idea of. It has been almost a year since i started writing the bureaus, informing them of my situation but it seems that they do not want to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the evening of XX/XX/2021, I wanted to check my credit report with XXXX, XXXX, and TransUnion on their websites. I have not done this before, yet the first XXXX services caused no issue. 

My issue is with TransUnion. The TransUnion website is purposed designed to be misleading in order to trick the user into paying money by accident. When clicking on " Get Your Score '' the user is led to first provide personal information such as name, address, and SSN, then create an account, and then enter credit card details ; the text and layout of the page suggests that the information being collected is simply to verify your identity. Even if I was to be charged, I expected a " Confirm your order '' type of page which shows the amount about to be charged before the card is actually charged, just like literally every other online purchase I have ever made. Bear in mind that I had no intention of paying anything, I just wanted my free credit report. After entering card details, the button below was labelled " Next Page '' or something to that effect, instead of " Purchase. '' When I clicked that button, I was astonished to learn that I immediately was charged {$24.00} ; not only had I not known that I was going be to be charged this amount, but I did not expect that I was even purchasing anything all at on this website! I'm actually still not sure what I even paid for. After that, I immediately tried to undo/cancel the transaction on the website which of course isn't an option, so I tried to call but TransUnion 's offices were closed. I know I call the right number because a robot responded to tell me that it was TransUnion 's line and they were closed. So an hour ago ( Tuesday, XX/XX/2021 at XXXX PM XXXX, which is within their stated buisness hours ), I tried to call again and their line basically rung forever with no answer. I tried XXXX minutes after that and still no result. Note that the number I used is found here : https : //membership.tui.transunion.com/tucm/support.page Afterwards, I went to check out the website in a different browser and realized when signing up there is a banner with smaller font than most of the text hidden off to the side that is purposely disguised like some kind of internet banner advertisement and hidden between XXXX other banners which shows the XXXX $ fee. Even seeing it, it can easily be mistaken for an optional service that can be declined because it is so out of the way and TransUnion supposedly offers free credit reports. It should also be noted that the payment is actually a monthly recurring subscription to further take advantage of unaware buyers. 

I'm very disappointed with TransUnion. I have never accidentally bought something online before and I consider this a scam. I would like reimbursment.
Product: Credit reporting or other personal consumer reports

I asked all three Bureaus to make sure these accounts were accurate and complete. When the investigation ended, my accounts came back verified. However, there are still many discrepancies between each report and inaccurate information. If they investigated the account the information should reflect so across the board, and this violates my consumer rights to an accurate and complete credit report. I attached screenshots of the accounts. Please delete the following accounts : XXXX XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX  XXXX : Account # XXXX
Product: Checking or savings account

Issue : After reaching the age of majority, I contacted Capital One to request full access to the funds in the UTMA account, as I am now the legal owner of the account under UTMA rules. However, despite providing proof of my identity and age, Capital One has refused to release the funds to me. They have indicated that they are unable to grant me access to the account because of my mother 's refusal to transfer control, even though the custodial role ended when I reached the age of majority.

Legal Context : According to the Uniform Transfers to Minors Act ( UTMA ), I am the rightful owner of the funds in this account, and Capital One is legally obligated to transfer control of the account to me once I reached the age of majority. The custodians authority is terminated at that point, and I am entitled to access the account and its funds. I have made multiple attempts to resolve this matter with Capital One, but they continue to deny me access without a valid legal reason.

4. Impact : As a result of Capital Ones refusal to comply with the legal obligations under UTMA, I am currently unable to access my own funds. This has caused significant financial hardship, especially as I am currently facing homelessness and other challenging circumstances.

Desired Resolution : I respectfully request that the CFPB investigate this matter and compel Capital One to immediately release the funds from my UTMA account, as I am legally entitled to them. I also request that the CFPB review whether Capital Ones actions are in violation of banking regulations and applicable consumer protection laws
Product: Credit reporting, credit repair services, or other personal consumer reports

i receive my credit report and notice that this company was showing as an inquiry on my XXXX  from CBNA on XX/XX/2018. I'm unaware as to who this company is and I did not authorize my credit to be viewed by this company
Product: Debt collection

Called to try to set up a payment arrangement to help pay off a debt on my credit report, I paid {$100.00} to start the payment arrangement. Was told I needed to pay full balance by the XXXX of XXXX otherwise they wouldnt delete it off my credit. Was harassed and they were trying to force me to pay the full amount. Saying if I dont they will not take it off my credit at all. Continued to Harass me and when I mention going to court they hung up on me. I didnt get a confirmation number for my {$100.00} payment all they gave me was their names, XXXX and XXXX
Product: Debt collection

Received letter in the mail for a loan approval for XXXX = unemployment insurance and another product I did not apply for in XXXX. Called ONE MAIN and talked to XXXX in Fraud and let her know I was a victim of identity theft. Sent in necessary affidavit. 

I received letter in XXXX that my fraud claim was denied with incorrect information listed as to when account was serviced, had the wrong account number ( according the contract I obtained a copy of ), wrong reasons for denial including that a signature on application matched a passport that was never presented according to the branch where account was opened. The branch called for payment and I indicated again I did not apply for loan. 

I resubmitted police report and sent my drivers license via email to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Different dates on last reported, different balances, different status as far as legally paid on some, different charge off/ settled The accounts are XXXX XXXX XXXX XXXX, and XXXX XXXX  XXXX Ive included screenshots from my credit report showing the various inaccuracies and the particular accounts
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Student loan

Back in XXXX I went into the student financial aid office at XXXX XXXX in XXXX Missouri. I was in the XXXX. College and handed over approximately {$3600.00} in cash to the receptionist and was issued a receipt. After several moves over a XXXX period I lost the receipt. 
As of XX/XX/XXXX I received a collection notice from be able to ask the U.S. Department of Education for student loan forgiveness. My doctor completed paperwork and I mailed it all in. See the attached forgiveness letter. 
My account number with Nelnet is XXXX and my SSN # is XXXX. 
I am XXXX years old now and just survived XXXX. I am living in XXXX housing and am on XXXX income. 
I fear that these folks from Nelnet will not stop in their efforts to collect on this spurious balance and if they succeed, will take away needed monies for me in paying for rent and food. It will place me into homelessness and sure death. 
I ask that your agency investigate and stop this action against me and issue me a written letter of the resolution for me of this personal crisis.