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

Early Warning Services has added over 400 inquiries about my personal information I did not give them consent to consume. Under the Fair Credit Reporting Act ( FCRA ) as a protected consumer. Im now opting out of any and all authorization I may have given you in writing, unwritten, verbal, non-verbal per Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act ( FCRA ) section 604 Permissible Purpose. Im requesting all information and inquiries be removed/deleted from my consumer report. I never gave any permission under Fair Credit Reporting Act ( FCRA ) section 604 to have my personal information reported on my Early Warning Services consumer report. Per 16 CFR 313.7 That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party. ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right Opt Out Laws : opt out of the disclosure of nonpublic personal information to a nonaffiliated third party. Also per 15 USC 6802 ( b ) ( A ), ( B ) and ( C ) Opt-out. 15 USC 6803 ( a ) ( 1 ), ( 2 ) and ( 3 ) Disclosure Required. I never received any disclosure from Early Warning Services. Per this law as the consumer I was required to receive a Disclosure letter. I will use 15 USC 6805 to enforce these consumer codes that have been broken. If need be I will make a Whistle Blow complaint with the Security Exchange Commission ( SEC ) as Early Warning Services is Co-owned by the major banks in the United States XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXXXXXX XXXX and XXXX XXXX. I will also include all of the Indenture Trustee Banks if needed. I demanding all information/inquires be deleted from my consumer report within 4 days per the Fair Credit Reporting Act ( FCRA ). All information is unverified without my consent or permission. This information posted to my consumer report has caused me to suffer because of denial letters I receive from other Entities. This is FRAUD and must be stopped IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I recieved a email from paypal asking that i submit a credit card to prove i am who i say i am. I followed the indtructios but now the paypal email takes me to another website i am really worries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion or accuracies listed on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA. 

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

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAPITAL ONE AUTO FINANCE ( XX/XX/2020 ) and I have no recollection of doing any business with CAPITAL ONE AUTO FINANCE. I contacted CAPITAL ONE AUTO FINANCE and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Most of thing on my credit should not be there because they paid off and suppose to be remove as agree .Balance inaccurate and Acount close to hold on my credit over 7 years.
Product: Credit card

From XXXX of XXXX until XXXX of XXXX there was a charge on my Netspend card for {$21.00} from XXXX fitness that I did not authorize. I was unaware of this charge because I didn't have any way to review the charges, I was without access to internet or electronic devices from XX/XX/XXXX until XX/XX/XXXX. XXXX my son was killed, around XXXX when I returned to work, was when I started going through my affairs and saw the charge. I contacted both EOS fitness, who advised there was nothing they could do, and to contact my bank. I reached out to Netspend and placed the charges in dispute. My dispute was denied due to not being able to recognize the charges ahead of time.
Product: Credit card

I paid off our U. S. Bank Business Edge Cash Rewards Card on XXXX XXXX, XXXX, and we quit using that card. I often leave credit card accounts open even though I no longer intend to use them, as many people do. In XXXX XXXX, I realized that I had received XXXX statements ( from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) for this card showing that I have a balance and that my old automatic payment had paid the minimum payments. I then realized that U. S. Bank had charged me an annual fee of {$25.00} per cardholders on the account, totaling {$50.00} for my husband and myself. Since my auto payments only paid the minimum due, they then started charging me interest on the remaining balance. I called U. S. Bank on XXXX XXXX, XXXX, and told them that I had stopped using the cards a year ago. I asked them to remove the annual fees, credit back the interest and payments they took from my checking account, and to just close the account. They agreed to close the account but said they would not do the refunds. I was very surprised as I have had this same exact situation happen with other card companies in the past and they always credited back everything without any problems and closed the account upon my request. I just received another statement dated XXXX/XXXX/XXXX, and the account appears to still be open or, maybe they are just sending bills for it thought it is closed. In any case, they still show me owing the {$42.00} previous balance and they charged me {$21.00} in late fees and interest. Can they really require me to pay a fee on cards that I no longer use or want? I did pay the fees for a couple of years while using the card, but as I mentioned, I 've done that on various credit cards through the years and never had a problem just leaving the account open after it was paid off and letting them know if they did charge an annual fee later that I no longer wanted the card. Some of them never even charged a fee since I was n't using the card and the accounts have, to my knowledge, just stayed open. I have used U. S. Bank quite a few times through the years. Although I had enough problems in recent years that I did not want to ever use them again after paying this particular card off ( and I sent them a letter letting them know that, perhaps that is the problem! ), I know I have never paid annual fees to them before on cards I am not using. I would appreciate your help in resolving this matter. The amount of money is small, but I really do not want to pay this just because I do n't think it is ethical for them to do this to people.
Product: Debt collection

I see a collection reported on my credit profile. I disputed this and the company will not remove this from my credit report. I don't do business with The Check Cashing Store and recently moved to a new state. I have no knowledge of this debt and have not received any notice about this. I only learned about this collection when I reviewed my credit report as I randomly do often.
Product: Credit card or prepaid card

On XX/XX/XXXX, Bank of America decided to close my credit card without prior warning or reason. The notice which I received from Bank of America was emailed to me on the day it was closed, XX/XX/XXXX. Bank of America subsequently mailed me a letter that was intended to " explain '' why they made their decision. However, when the letter arrived it provided no specific reasons. Instead, it simply listed a list of possible reasons as to why a credit card would be closed. It provided no clarification or evidence that went into the decision of my card being closed. 

Upon reaching out to Bank of America by phone, the associate I spoke with said that they would send me more documentation in order to help provide more information and details. However, despite having that phone call, I never received that letter. 

It is now XX/XX/XXXX, nearly four months since they closed my account - an account which I held with them for nearly 7 years, and I have no idea why. I maintain a very, very strong credit score and had a dependable record of monthly payments for the card in question. And so I feel compelled to assume that Bank of America closed my account for unjustifiable reasons and is trying to avoid addressing and fixing this issue which I know to be a mistake.
Product: Checking or savings account

XXXX Bank provided a false and misleading statement in response to CFPB complaint XXXX. Their response stated : " Please be advised that it is your right as an Optum Bank customer to be able to speak with a customer service representative based in the United States. This can be requested when you make a call to our customer service center. '' Today, I called Optum Bank and again requested to speak with a U.S.-based representative. The foreign representative, located in the XXXX, unequivocally stated that there was no way to connect me with a XXXX rep. Instead, she offered only XXXX inadequate option : A callback from a XXXX rep within XXXX hours, with no further attempt to contact me if I missed the call. 

A callback service with up to a XXXX hour wait is an unacceptable solution for connecting customers with XXXX representatives. 

I urge federal authorities to sanction Optum Bank and its management through substantial fines. Additionally, I am seeking {$1000.00} in compensation for the time I have spent attempting to obtain truthful information from Optum Bank representatives.
Product: Mortgage

I have a second mortgage with Bank of America. I encountered difficult financial issues because of a serious family matter. My second mortgage fell behind. I stayed in contact with Bank of America. I attempted to make a payment on line in XXXX and the they blocked my ability to make any payments. I mailed a payment and they refused to accept it. I spoke to a number of representatives and they told me the loan was in in foreclosure. They said I could apply for a reinstatement if I paid 90 days of payments, plus about {$1700.00} in legal fees that they managed to accumulate instead of just accepting my payments to begin with. I was assigned a case manager named XXXX XXXX. We spoke once and then she passed me on to a case manager named XXXX XXXX. 
He attempted to call me one time while I was at work. I tried to call him back. None of the case managers have extensions, e-mail, direct lines or any other way to contact them, except blind luck. I agreed to their predatory arrangement of paying more than double the amount due to pay their attorney that filed the totally unnecessary foreclosure just so I can get on with life. I sent a cashier check next day air on Monday, XXXX XXXX in the amount of {$2000.00} to the address that I was instructed to send it to. They claim they did not receive the check, yet I have tracking information to prove they did receive the check. 
This entire process is designed to create road block after road block to make sure you are unable to make the payment, so they can charge unnecessary and ridiculous legal fees ( and I am sure it is an in house attorney or one they are receiving compensation for referrals ), and or take my home from me. As of the filing of this complaint, they still will not acknowledge receipt of my check and I am 100 % certain they are doing this so they can accumulate more fees and take my home. I need your help.
Product: Debt collection

I received a debt collection notice from Sunrise Credit Services ( XXXX ) for XXXX Accout # : XXXX collecting debt for XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for the amount of {$260.00}. 

I dispute this debt, I dispute any amounts owing to XXXX XXXXXXXX XXXX  XXXX. I have not used their services nor engaged in the services or business. I do not owe money to Sunrise Credit or XXXX as I have not used either business. 

Please void this claim as it is not valid nor was any proof provided by either Sunrise Credit Services or XXXX XXXX XXXX evidencing this false claim. 

Sunrise did not substantiate this claim nor did they provide any written proof. 

Further, when I called Sunrise Credit XX/XX/XXXX at XXXX to dispute this a Sunrise Credit Services representative asked me to verify a XXXX telephone number which is not mine and proves you have the wrong person for this debt.
Product: Student loan

The loan servicer for my student loan is Aidvantage. The original loan which Ive been paying in XXXX  monthly payments of {$720.00}. I continue to make those payments religiously for XXXX  years then, when Covid occurred there was a payment pause by then I was retired and took advantage of the pause when payments resumed. I made an initial payment and then was Made aware of the fact that I could apply for an IDR plan. I selected the ICR type and was approved initially the payment was reduced to {$320.00} and then after recalculating my income taxes that year the payment was further reduced to XXXX because of my XXXX in XX/XX/XXXX I received a notice that it was almost time to recertify my income, and the deadline would be in XX/XX/XXXX. On XX/XX/XXXX I submitted the appropriate documents and application for recertification. I received notice that they received everything and that it would be processed. I continuously called every few weeks and most recently spoke to a rep a week before the deadline I was assured that the Processing was backlogged but that everything would continue soon. On XX/XX/XXXX, I receive notification that I was back on the standard plan in the amount of. {$1000.00} per month the income for my tax year ending XXXX was the same as the previous year and I still do not understand what took them so long to process an application that was submitted for recertification in a timely manner. In addition, I noticed that there has been a tremendous increase in the amount of interest accumulated on the account. Some representatives at Aidvantage seem to have a grasp of the situation but keep recommending that I call back and ask for a deferment closer to the time. My payment is due. Im not looking for loan forgiveness. I just want them to revert back to what was approved last year and acknowledged the fact that they have not processed my recertification and proof of income on time. I have proof that they received it back in XXXX from a letter I received from them and also from a screenshot I took of my activity log on their site.
Product: Credit reporting or other personal consumer reports

I called transunion and requested some sort of credit score points guide, cause I would like to know if I spend {$20.00} more dollars on a certain credit card, that my points will go down by XXXX points! How and why is this legal? I really think that this agency needs to be investigated for kickbacks from banks and lending institutions!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written confirmation of the outcome within 30 days, as required by law. If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital Systems , LLC has violated the FDCPA as outlines in XXXX XXXX XXXX XXXX XXXX, which states that a consumer report is a medium of communication and thus to cease and desist requirements and only respond to the demands in the Notice of Dispute letter that was sent to them certified mail on XX/XX/year>, either by email or certified mail.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
Product: Credit reporting or other personal consumer reports

Identity theft. Someone tried to apply for a Capital One credit card in my name and it has been applied to my credit report as a hard inquiry. I an submitting this request and dispute to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my consumer profiles. I've contacted all parties involved numerous times disputing this alleged debt. I've asked for validate & verify provide documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They are still harassing me in reference to this debt. I've asked XXXX, Equifax, XXXX to reinvestigate and provide with the procedure they used to verify this information. I refuse this debt. I NEVER gave anyone permissible permission to share any of my private nonpublic information. Consumer Reporting is voluntary. I never gave consent!! No consent is identity theft!!