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

I can not accept your position of denying my identity theft claim. Who has the authority to judge whether I've truly been a victim or not? Your supposed power to make this decision lacks a solid foundation. I insist that you adhere to the proper legal procedures governing identity theft claims. To stress the seriousness of my case, I have provided you with an official report from a law enforcement agency, filed with a federal agency. ( My FTC report and Police Report. ) Let 's resolve this matter within the required 5-day timeframe. I urge your organization to acknowledge the gravity of my identity theft claim and take immediate, decisive action. I request a thorough investigation into the matter, the verification of my evidence, and the prompt removal of fraudulent accounts and transactions from my credit report. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2.

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for : Failure to properly validate the debt under 15 U.S.C. 1692g ( b ) of the FDCPA.

Continued credit reporting of an unverifiable debt in violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA. 

Complaint Details : Debt Buyer : XXXX XXXX XXXX / XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Account Balance : {$1100.00} Account number : XXXX Credit Report Status : Still reporting a balance despite failure to validate. 
Violation : Failure to provide proper debt validation within the legal timeframe under the FDCPA.
Product: Debt collection

Continues to call for the wrong person at my number. I do not know the person they are calling for.
Product: Checking or savings account

I have a chime account and they close my account saying it was fraud I sent them all the information they need and they still didnt open my account back that has all my money in it
Product: Checking or savings account

XXXX XXXX & XX/XX/2023 there where unauthorized transfers and unauthorized transactions on my account after the transaction posted I dispute all the transactions on XXXX XXXX & XX/XX/2023 Because they were not authorized by me I explained to my bank. Three days after filing my disputes I get a call from XXXX XXXX in Card Claim Department asking me about the transactions From XXXX XXXX And Was The account Secure I said I did not know I would contact XXXX XXXX like she instructed me to do so. I gave her a call back the next day and told her exactly what XXXX XXXX said I had to contact my bank regarding the unauthorized transfers and she told me that it was already too late and denied. I dont understand how transfers & transactions I did not make how can I be held accountable for transfers and transactions I didnt not authorize or make I am a hard working Mother of XXXX  daughters and for my hard earned money to be tooken from me is unacceptable. I explained multiple times it was not me the made the transfer or transactions but it didnt matter to them they still denied my Claim.
Product: Checking or savings account

XXXX owes me for freezing my bank account for XXXX. During the pandemic. I've sent documents receipts letters etc. At a timely manner but they gave me Nothing in response
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transitions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transitions.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within XXXX  days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on XXXX  years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. XXXX has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX. I also have sent in documents to XXXX, XXXX and Experian. They also have a copy of my FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

THere are accounts under my name that is a result of Identity Theft. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.
Product: Checking or savings account

BANK OF AMERICA HAS PUT SOME SORT OF XXXX FRAUD REVIEW HOLD ON MY ACCOUNT ON XXXX XXXX, 2020 AND WONT REMOVE IT NOR GIVE ME ACCESS TO MY FUNDS. 

Bank of America ( BOA ) has placed a - {$880000.00} pending hold on my business checking account as some sort of fraud review hold and I cant get anyone who can provide me with answers as to what is going on, how long this hold will be on my account, and when I will receive my funds in this account. 

This started on XXXX XXXX, 2020. I immediately started calling BOA daily to get some answers but was transfer around the world every day and having to hold on the line for hours while reps transferred me to the wrong departments. I was told by all 45 BOA representatives I talked to that they do not know what is going on with my account and I have to wait until someone calls me. No one has called me as yet nor have I received a letter in the mail. 

They can not tell me who placed the hold on my account and why but refuse to give me access to my hard-earned money in this account. My business has suffered tremendously during this pandemic and now I am close to going out of business due to BOA holding my funds without my consent or knowledge of what is going on. I cant pay my employees or bills. 

I drove to the bank and was told that they cant withdrawal the funds and close this account due to the hold. I am confused and frustrated at this point. It should be illegal for a bank to hold on to your money without give you any explanation as to why and when the hold will be off of my account. 

Ive been calling the numbers given to me for 20 days, all day long, and Ive just had my time wasted. Ive been hung up on countless times, forwarded constantly and passed around between departments that just keep forwarding me or hanging up on me. 
Its just been a mess. I keep getting told there is no flag or risk on the account, just the hold, but no one knows how to remove it. 

Can I file something to speed this up? I cant use my bank or card for anything right now because of this HOLD. Please HELP!!
Product: Credit reporting or other personal consumer reports

I have disputed information on my consumer report multiple times and the following agencies XXXX, Transunion and XXXX continue to report inaccurate information on my consumer reports. They continue to violate the consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They have failed to follow the laws and continue to violate them.
Product: Vehicle loan or lease

XXXX XXXX Email : XXXX Phone : XXXX Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Request for Certificate of Lien Release Dear Sir/Madam, I am writing to request a certificate of lien release for my vehicle. Please provide a letter stating that there is no lien from Santander Consumer USA on the following vehicle : Make/Model XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX This documentation is required for my records and to ensure that all financial obligations related to this vehicle have been fulfilled. 

Please send the certificate to my email at XXXX or my mailing address at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Email : XXXX Phone : XXXX
Product: Credit reporting

I have had numerous problems getting Equifax to fix errors on my credit report. They take a long time, do not do a proper investigation and are causing me distress and financial problems. I am unable to secure housing for my son and myself because they will not fix the errors. I am going to have to retain an attorney to address these issues in court but that is going to take months. Meanwhile the damage continues to affect my livelihood. Below is the list of errors:1. For 5 years they reported a charge off account on my credit report twice. For 5 years I disputed this error and they never corrected it. I was informed by the creditor that Equifax was aware of the problem but never took the necessary steps to correct it. 
2. I had an account with XXXX XXXX which was paid off XX/XX/XXXX. Equifax continues to report this account as being open and XXXX days late. This is incorrect. 
3. I had an XXXX account that is paid off that they are reporting as a charge off. THe other XXXX credit reporting agencies are reporting it correctly, the account is paid and closed. 
4. I have another account with XXXX Bank whic Equifax is reporting as a charge off. They claim the last activity was XX/XX/XXXX but have no payment activity recorded prior to that. They dates of last activity are incorrect. Again, this account is past the statute of limitations and should be deleted from my file. However because Equifax has the wrong information they have not done so. They had removed it once but then it was reinserted. 

I have asked them to investigate every negative entry on my credit file because of their errors I need to have every account investigated to ensure that the items are properly reported. I am a XXXX veteran, and a single mother trying to provide for my son and this is threatened because Equifax is negligent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership to apply for a car, they said that it would be for XXXX and that XXXX would pull my credit report, however I seen all of these other hard inquiries : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to XXXX XXXX XXXX, I owe no debt, this company is violating my consumer right to privacy. Pursuant to XXXX XXXX XXXX XXXX, this company has no permission to report anything using my information pursuant to XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I have an on going problem with PayPal Credit. The issue is that PayPal Credit improperly credits payments to my account in an attempt to prevent me from paying off special financing purchases they offered not to occur accrued finance charges for that promotional offer This is not a mistake but a deliberate attempt and practice of PayPal Credit to collect finance charges on those promotional purchases they are not owed. In other words, they assess finance charges when the promotional balance would have been paid off by the excess payment amounts I made during the billing period in excess of the minimum payment for that billing period for promotional finance offers where the balance would of been easily paid off with my excess monthly payments making it impossible to pay off the promotional offer without paying any finance charges like they advertise.. Instead of properly crediting the oldest, expiring offer they ALWAYS credit the newest offer that does not expire for months! I have experienced this numerous times over the past two years with PayPal credit. They always have an excuse as well. One time I call they say the excess payment must be included with my minimum payment. The next time they state it must be made in two or more separate payments. .I 've spent hours of the phone with them and they always say they will corrected and they will send it to research to have the payment reallocated... Well in the few instances where it was reallocated it happed they " conveniently '' make the payment adjustment the next day AFTER they have assessed finance charges on the entre promotional period. I've neve dealt with a bank where customer service agents have to send every account adjustment off to another department and take 3-4 weeks for for the actual adjustment to be made and even then they still assess the finance charges for their '' mistake ''. The reason is that it is not a mistake! PayPal Credit intentionally engages in business practices that are akin to loan sharking where it is impossible to pay off promotional balances using the payment system they have in place. This is intentional and deliberate
Product: Credit reporting or other personal consumer reports

The following inquiries were done without my knowledge or consent, they are as follows : ( THE FOLLOWING INQUIRIES ARE FOR XXXX ) XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( THE FOLLOWING ARE INQUIRIES ON EQUIFAX ) XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ( THE FOLLOWING INQUIRIES ARE ON XXXX ) XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails from the credit bureaus that I applied for a credit card at Citi Bank on XX/XX/2020 but I havent, thats a fraudulent application. I called Citi Bank right away to cancel the application and I explained to them the situation. Please remove the hard inquiry from XXXX, Cbna XX/XX/2020. This was a fraudulent application. Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On the date of XXXX XX/XX/2023, I filed a credit report dispute with Equifax concerning a collection entry attributed to XXXX XXXX on my credit report. Within my dispute submission, I furnished concrete legal evidence validating the full payment and settlement of the account in question. This submission substantiated that the collection attempt was not only unlawful in its pursuit of debt recovery, but also posed a detrimental threat to my credit history. 

Regrettably, the subsequent investigation by the credit reporting agency conspicuously dismissed the irrefutable documentation I presented as evidence. Instead, undue emphasis was placed solely upon a statement offered by the collection agency. This course of action undermines the legal protections outlined in state statutes, which are designed to safeguard consumers against unfair and illicit credit reporting practices. 

I am deeply concerned by this blatant disregard for the legal rights and protections afforded to me as a consumer. The actions of both the credit reporting agency and the collection agency deviate from the parameters set forth by state law, infringing upon the fundamental principles of equitable and transparent credit reporting. 

I am appealing to the Consumer Financial Protection Bureau to ensure that my rights are upheld, and that the appropriate corrective measures are taken to rectify this situation. It is my firm belief that through the enforcement of relevant state laws, my case will be given the legal consideration and confidence it rightly deserves.
Product: Payday loan

I have applied loan from Spot Loan {$800.00}. I have found out that their fees is too high and they do n't have license in state of Washington. I asked want to pay principle balance only. but they did n't agree. and Now collection company harassing and threatening me by phone every day to collect more than principle amount. They said they 're going to sue against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccuracies on my credit reports that i didn t authorize and these accounts are violating my rights accordng to the FDCPA. Any bad debt furnished on your reports are ruining my reputation and its defamation of character. 

XXXX XXXX {$80.00} XX/XX/XXXX XXXX XXXX {$80.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from XXXX XXXX when I never got financing or even look at serviced with them. 

In accordance with the fair credit reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$590.00} Status Collection account. {$590.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Collection account. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Product: Debt collection

On XX/XX/XXXX i received a noticed from XXXX XXXX XXXX attempting to collect a debt of XXXX dollars through Wakefield co. I already paid that debt to XXXX XXXX XXXX in XXXX