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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ELAN FINANCIAL add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Husband who was my boyfriend at the time was XXXX in the XXXX  and XXXX   XX/XX/2016 and had XXXX. He needed assistance for XXXX, XXXX, etc and could not be left alone. I lost my job to take care of him and help him with at home therapy. After becoming behind in payments with XXXX XXXX   I informed company I was no longer employed but wanted to pay and keep vehicle. But they wouldn't wait so had no choice but to let them come and get vehicle back. They repo truck i believe XXXX, and I became employed end of XXXX maybe beginning of XXXX. I was told i only owed around {$500.00} to keep vehicle from being repo. By then I had to get another vehicle to continue working so then i could not afford rent & bills, healthcare, new car payment and etc. They wouldnt wait and {$500.00} is what got my vehicle repo now the statement on the account shows sent to collections and the amount is different. It is negatively impacting my credit and keeping me from getting a home/mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX 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 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 without written instructions
Product: Credit reporting or other personal consumer reports

I observed my credit report and identified inaccurate and fraudulent accounts that require reporting and correction through your company. Kindly assess and investigate accounts that are not entirely accurate. I request the removal of all inaccurate entries from my credit report.
Product: Money transfer, virtual currency, or money service

I purchased a set of headlights from a gentleman in XXXX for {$4800.00} on XX/XX/2020, using my XXXX credit card through Paypal. When the lights arrived, one was damaged. I was unable to receive compensation for the damage from the seller, so I disputed half of the amount with XXXX. I was awarded the disputed half at {$2400.00} ; however, the remaining {$2400.00} ( the full payment balance ) was also pulled from the vendor by Paypal and never returned to either the vendor nor myself. I have contacted XXXX and Paypal at length, and have been told repeatedly by XXXX that only half was disputed the half and they have no control over the other half, and by Paypal that the full amount was pulled from the vendor and returned to XXXX. XXXX needs to work with Paypal to determine where that other half of the money is, because as of right now, 9 months later, neither party has that {$2400.00}
Product: Mortgage

I do not think my case # XXXX was ever resolved. 
at this point I have requested ( XX/XX/2022 ) transcript of our calls where I was told by them that " my new trial paperwork '' was going to come my way. 
Instead I received a call from a person accusing me, and requesting payment for XXXX!!!! I need help, I need to get transcript of my calls, and since there is MY VOICE, why aren't they made available to me? 
I believe that they are hiding something, and there is why they do not want to divulge the information to me! 
That should be illegal! 
XXXX XXXX
Product: Checking or savings account

the bank its reorganizing the transactions at their convenience, even if I have money on my account and I buy something with my debit card a week later It will charged me an overdraft fee. i spoke to customer service and they are not interested in giving me a solution also I be charged a maintenance fee when I was told that if I have direct deposit I wasn't going to be charged. 
I am very frustrated because since XXXX to now I ve charge XXXX in fees and every month its a average of XXXX per month since I open the account
Product: Vehicle loan or lease

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 


1. GM FINANCIAL Account XXXX : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 


PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit card or prepaid card

the credit card was paid and closed. they agreed to delete the account from all 3 credit bureaus but it is now stating charge off/paid.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an error in my credit file. I recently reviewed my credit report and noticed that : : XXXX XXXX Inquires and inaccurate account, XXXX XXXX XXXX XXXX inaccurate Account, XXXX XXXX XXXX inaccurate Account, XXXX XXXX inaccurate/fraudulent account : : : Despite my previous requests, this transaction has not been removed from my credit file. This inaccurate information has been negatively impacting my credit score and financial well-being.

I would like to draw your attention to the following laws that protect consumer rights and mandate the accurate reporting of credit information : 1. Fair Credit Reporting Act ( FCRA ) - This federal law promotes the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
2. Fair and Accurate Credit Transactions Act ( FACTA ) - This amendment to the FCRA provides consumers with the ability to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.

3. Consumer Financial Protection Act ( CFPA ) - This Act provides consumers with protections against unfair, deceptive, or abusive acts or practices by financial institutions.

I kindly request that you take immediate action to rectify this error and remove the inaccurate transaction from my credit file. Failure to do so not only violates my rights under the aforementioned laws but also subjects your company to potential legal consequences. 

Please provide written confirmation once the necessary corrections have been made. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue.
Product: Vehicle loan or lease

XX/XX/XXXX I lost my home car and all my possesions to hurricane Ian. The only thing we were able to salvage was our lives. This lender Regional Acceptance was notified of the hurricane and the fact, my daughter and I were in dier straight from a natural disaster. They agreed extend the my payment for 60 days or the could reposses. They also said the principle loan was satisfied in XXXX of XXXX what I was paying for was penalties and interest in the amount of XXXX. Later found out after contacting GAP isurance which I had been paying for since I purchased the Vehicle lapsed be Regional failed to extend the coverage when they extended the contract the lapse occurred XX/XX/XXXX. 72 months. In the interim Regional strong armed me to sign a contract to make me pay for the car that was destroyed a salvaged vehicile. I have written several times complaining about there practices. Now they have ruined my credit and my life by charging off this car XXXX XXXX XXXX XXXX. I have asked begged and pleaded to please be fair as this action was not something I wanted but I can't afford this and I lost everything. I am asking to remove them off my credit report as this action dropped me XXXX points and caused other lines of credit to drop me and or reject me. I am a XXXX XXXX as well this action is unfair. The mental and financial anguish is totally unjust and not right.
Product: Credit reporting or other personal consumer reports

I provided the company with police report, stop payment email, document from the bank of closed account and it wasn't remove. The collection agency responded they have suspended collections and it need to be remove from my account.
Product: Credit card

I booked a trip for my family XX/XX/XXXX to XXXX through Chase travel. I used them so I can utilize my points however I called XXXX  XXXX  to confirm my flight and they made me aware that my trip has not been confirmed by Chase and is not booked. 
I contacted Chase 3 weeks ago and have been calling them almost daily. 
They charged my card, they havent refunded it. They took my points {$1200.00} dollars and have not booked my flight. 

We are scheduled to leave on XX/XX/XXXX ( 2 weeks away and still no response, we have a lot of accommodations in place and need to finalize others. We need them to secure our flight asap. 

Thank you for your help, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, NCB MANAGMENT SERVICES ( Opened XXXX XXXX, XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA NCB MANAGMENT SERVICES has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX 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 a collections account opened at account XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$6200.00} that appears related to the aforementioned personal loan account at XXXX, a collections account opened at XXXX XXXX XXXX on XXXX XXXX under the account number XXXX with a balance of {$6900.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX XXXX XXXX, another collections account opened at FAIR COLLECTIONS AND OUT on XX/XX/XXXX under the account number XXXX with a balance of {$3500.00} that appears related to the aforementioned rental of apartment or house account opened at XXXX at XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

So i am getting calls about a Navient Settlement from a XXXX XXXX. She is claiming that they have Student Loan forgiveness options. Told me to call XXXX. Provided me with a validation code. I don't have any documents, however i do still have the voicemail they left. Not entirely sure how i would get that to you. These things keep happening and somehow they have my information. I am displeased and have reason to believe that Navient either has a security leak or they are selling my information. On researching my options, reporting this to the CFPB was the best offered solution. Any other suggestions or a course of action would be appreciated.
Product: Debt collection

Did not receive debt validation letter before creditor sold debt to another lender. Violation of FTC law SS 805a. Unable to pay due to COVID 19 Pandemic- declared disaster. Did not authorize the original creditor to share my personal information. Violation FTC law SS 809 4 & 5
Product: Debt collection

Actually NOT used obscene language but used pressure tactics, are unwilling to help/ resolve issue and also seemingly improper management of debts and PII - pers identity info ( SSN, addresses et c ). 
We incurred debts when I was injured on XXXX with US military in XX/XX/XXXX, was improperly discharged and did n't received any pay until XX/XX/XXXX. So we incurred debts, house was improperly foreclosed ( XXXX got us WHOLE 500 $! ). We settled/ paid off most debts, except for Wells Fargo debt, where WF transferred some funds owed on mortgage ( foreclosed ) to CC which is n't legal. Then debt was almost settled with XXXX XXXX, but when requested documentation it was quickly transferred to XXXX XXXX XXXX, under XXXX acct # XXXX. XXXX FAILED to prove debt ( and it 's height ), FAILED to communicate to resolve ( I sent email requesting documents/ investigation into XXXX improper behavior ). Since then dealing with XXXX DISASTER:1/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is n't really attempting to collect, settle or communicate - when calling ANY of their XXXX numbers ( such as XXXX or XXXX ) XXXX gets through, then message says it is recorded and when asking about use of non-recorded line is put on hold and then told " unrecorded line is n't available, call in 2 hours '' -- that is usually 30-45 min into " transfers/ holds ... '' All reps giving " odd names '' such as XXXX diff person stated to be XXXX XXXX ( all from XXXX XXXX call center ! ), or XXXX XXXX or XXXX XXXX, these are from XXXX. That also bring issue 2/ PII, addresses, DOB and all info passed from US XXXX XXXX XXXX who can effectively stole identity w/o any control/ oversight by US government/ agencies. 
I think that is ABSOLUTE disaster. 
On top, seems like XXXX XXXX XXXX is just RENOWN for this behavior w/o any action from our Government. Sincerely XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian and XXXX is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Checking or savings account

I have a No-Penalty CD at CIT Bank for {$30000.00}. I have sent them 3 messages asking that they close that account and forward the funds to another bank. As of today they have not answered those messages or taken any action to close the account.. A previous complaint ( XXXX ) deals with the possible theft of {$30000.00} so this may be connected. Please look into this ASAP before the {$30000.00} disappears entirely..
Product: Credit card or prepaid card

Ohio has issued a U.S. Bank Reliacard to receive COVID-19 Unemployment benefits. I have been reciveing benefits on this card and used this card just fine until on XXXX XXXX, my card was suddenly " locked '' for ID verification purposes. Relicard associates told me to fax a copy of my ID, SS card, and a copy of my XXXX W-2 or IRA tax document, they would verify me, and have my card unlocked in 5 business days. I followed that instruction and sent those copies on XXXX XXXX and again on XXXX. After calling and waiting for hours to talk to someone to make sure they got it, they told me they can not call F.I.U.Verification where I sent the fax, they can not verify if they received the fax and I should send it again. I did so on XXXX XXXX, and this time I sent a copy directly to U.S. Bank Reliacard , so they too would have a copy of those same documents. Now, 4 weeks with this locked card, and having my unemployment benefits being consistantly deposited, I still have no access to a card that was given to me to use my benefits! I have been told by Reliacard, 5 days, then 7-10 days,10-15 days before my card can be unlocked. We are now past that. I have been told my documents have been received and approved, now on XX/XX/XXXX, Im being told they have not been approved, " the copies are too dark '', " we are backed up.. '' and " to call back in an hour.. '' this is completely unacceptable! I threaten to call Ohio unemployment, and Reliacard associates tell me they have nothing to do with it. Ohio unemployment says they can't help because there is nothing wrong with my benefits. I ask for FIU Verification number to call them directly, Relicard says they don't have a way to contact them! I look online at https : //www.complaintboard.com/us-bank-reliacard-l1835.html and there are thousands of the same complaint for the same reasons! What is happening? My bills are due and I'm sure I can't keep telling them 5 days, XXXX days, 15 days. Thank XXXX my resturaunt job that closed due to COVID taught me how to cook, but I have no food to cook since Reliacard 's so-called verification process has my benefits locked now for over 3 weeks. I will not attached the personal documents that Relliacard has asked me to forward, ans they contain Social Security number etc. I find it ironic that this day in age with the amount of fraud that is happening, Reliacard has asked me to fax personal info to a so-called verification group THEY can not contact themselves, nor will give me info to contact myself!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Trans Union XXXX XXXX Account names : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 -Child Support Enforcement XXXX XXXX XXXXAZ DES Child Support : XXXX XXXXXXXX XXXX Child Support Enforcement and AZ DES Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS. XXXX XXXX XXXX 15 USC 1681 section 602 A states that I have the right to privacy.

-15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my my written instructions.

-15 USC 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then seven years.

- 15 USC 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 any reasonable cause to believe that the information is inaccurate.
***** Child Support Enforcement and AZ DES Child Support was " NOT DERIVED FROM CREDIT TRANSACTIONS and is past the 7 year mark on both accounts XXXX XXXX
Product: Debt collection

I have been battling with Progressive Management Systems, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX since XXXX XXXX over a bill of {$2300.00} assigned to them by XXXX XXXX XXXX Hospital. 

My insurance company, XXXX, paid this bill at 100 % and then we started getting bills from PMS ( aka Progressive Management Systems ) for this balance for an Xray that was over {$7800.00}. I had a XXXX XXXX XXXX - how is this even possible. 

I have asked them to sent me proof and documentation that this is my account and they keep sending me their Printouts from PMS. 
XXXX/XXXX/XXXX - I sent them a letter requesting proof that this is my account and received nothing. 

XXXX/XXXX/XXXX - I called and recorded the call. I was told this is my spouses debt - not mine. 

XXXX I sent them another request in XXXX and they sent me their printout and a list of medical services supposed performed by the hospital ( Why is a collection agency seeing my medical history? ) My attorney wrote them a letter a month ago with no response. 

My wife was in XXXX XXXX last month and picked up ALL the copies of my medical records, there is no HIPPA documentation in there. 

Overbilling, trying to collect from someone else and now my medical history. 

I want this removed from my credit reports immediately! 

Sincerely, XXXX XXXX