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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX has violated my rights. 

XXXX OF XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CHECKING OR has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

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.
Product: Debt collection

Remove the debt from me and ask the con artist student loan provider to pay it. I have already made payments towards this unauthorized balance just to increase my credit score. Did not authorize any loans. Did not receive services.
Product: Debt collection

RE : Account Number XXXX To whom it may concern, I wrote you requesting validation of this alleged debt and to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for you collection of this alleged
debt?

4. Please send evidence your authorization to do business or operate in the state of ( Your state ) 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this
notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Product: Credit card or prepaid card

Citi card closed my credit card account with NO advance notice or NO communication sent ( via a call/email/letter ) that my card has been dormant for more than 24 months ( i.e. I did not use this card for any transaction ). This abrupt closure has affected my overall credit limit, overall credit history and my credit score which shows a drop now because of this unethical business procedure. Peers of Citi card such as XXXX, XXXX, XXXX, etc. at least provide advance notice in such regards and are customer-centric to let the customer decided on the next best action on a particular card. All Citi card cares about is that bottom line they make money off of their customers. Their business practices do not allow the customer to be notified or seek their approval for such things. This business practice was confirmed by a supervisor in their Credit Card business called XXXX whose Rep ID is XXXX ( Citi card does not give an advance notice nor do they allow customers to transfer existing credit card limit to an existing card prior to closing it without advance notice )
Product: Mortgage

Loan moved on XXXX/XXXX/15 to SPS. Escrow analysis done. I received letter stating check was cut and sent under separate cover dated XXXX/XXXX/15. I called XXXX/XXXX/15 and asked where check was. They could not locate it and I asked them to replace it. They informed me it could take up to a month to get a new check and said everything was taken care of and the process was started. I received a phone call from them over the weekend, they left a message that I could not understand. I called back on XXXX/XXXX/15. They wanted me to wait to place the stop payment until the end of the week because the check was n't mailed until the XXXX. I told them I would not wait. The request for the stop payment should have been placed on the XXXX to start the research process. I received the check dated XXXX/XXXX/15 at my home on XXXX/XXXX/15 with a postmark on the envelope of XXXX/XXXX/15. When I called today they stated that the check dated XXXX/XXXX/15 was no longer valid and another check was over-nighted to me on XXXX/XXXX/15.
Product: Debt collection

Hello, I received a collection notice from Gulf Coast Collection Bureau , Inc for a procedure preformed at XXXX XXXX XXXX XXXX on XX/XX/XXXX. My issue is not with Gulf Coast but with XXXX XXXX XXXX XXXX XXXX They set my account up as " receiving electronic statements '' without my consent and I never received a bill via USPS. I never check that email, it has over XXXX emails. Is there anything you can do to stop them from setting accounts up to receive electronic statements/bills without the consumers agreement? 

XXXX took over XXXX XXXX 's so they may have made the decision to automatically set up electric billing for the patients. 

I would have had no problem at all paying the bill and did so as soon as I received the bill from Gulf Coast Collection. Heck, I would have paid it at the time of my surgery also. 

Could you please make sure this doesn't show up on my credit report? Please, please let me know if there is anything you need from me. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally contesting and requesting the expeditious removal of fraudulent accounts from my credit report. This dispute stems from a case of identity theft, for which I have filed a formal report with the Federal Trade Commission. Furthermore, I have engaged with the bank associated with the fraudulent accounts. The banks have acknowledged the legitimacy of the identity theft report and have identified a potential system glitch that has impeded access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have erroneously remained on my report for over five years. However, these fraudulent accounts persist on my report under your bureau, and I am curious about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent accounts since the submission of the requisite documents. 

XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Georgia XXXX XX/XX/XXXX Last 4 of SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by US BANKRUPTCY COURT GA XXXX in the file you maintain under my Social Security number. 

Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 

The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. 

Apparently, not on was the case never discharged.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app. ( Block Inc ). Due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Those actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I arrived at the dealership around XXXX on XX/XX/XXXX, I was told i was approved for financing and purchase of the vehicle. i put XXXX  down and the car was taking for detailing and i was told to wait for the manager to finish the paperwork.we waited over XXXX hours to meet with the manager, in the meantime, i explained to the salesmen that i had to pick up my son at XXXX and had to leave the dealership by XXXX. we waited of XXXX hours and when we final did the finance manager said i was not approved for financing and i need to put additional XXXX dollars down. i was confused and felt i was being discriminated against. stating my credit was bad and my lack of knowledge of buying a car. when i asked a question about pricing or my options. i didn't realize until i got home and was able to clearing review the paperwork that i paid XXXX for the vehicle that was listed online for XXXX. 
I contacted the dealership online and filed a complaint which lead to a phone call that wanted more detail of my encounter and was told they would investigate and notify the manager who handles this area but never heard back. XXXX weeks later i was contacted about my plates arrived and i again ask about my complaint which was told again it will be forwarded to the manager that handles theses issues but as of today i have not be contacted by anyone from the dealership regarding my complaint.
Product: Credit reporting

TransUnion has been told by both XXXX and the collection department for XXXX correct information and yet a year later for XXXX and 4 months later from XXXX, nothing has been amended on my credit report. They are still showing on the FICO pull a serious delinquency and collection from XXXX and their collection agency. That should be showing from 2011 as the delinquency, not as of recent. It 's been corrected on XXXX over a year ago but TransUnion has either been slow to the finish line or refusing to correct the items. From XXXX it is still showing the balances are too high and that is incorrect as well. I 'm utilizing and have been for over 4 months, less than 5 % of my total credit. XXXX sent TransUnion a secondary notice of XXXX balance when I complained last month.
Product: Vehicle loan or lease

On XX/XX/2021 I went to XXXX XXXX XXXX XXXX in XXXX Illinois, in a attempt to finance a car. I had a 5month credit history and a credit of XXXX at the time trying to purchase this vehicle. Was shown a vehicle at {$19000.00}. I was told because my credit history was shorter than 6 months it wouldnt help so that I would have to put down at LEAST {$10000.00} which I was informed would go towards my loan. I signed for an agreeable payment of {$480.00} a month. I later was called and told to come in because my payment had for some reason been taken up to {$510.00} a month. I later discovered that it was illegally ( federally ) for the DEALERSHIP to obtain a down payment from a financing customer. After doing research and going back to the dealership I was informed that only {$1500.00} went TOWARD MY ACTUAL LOAN ON THE VEHICLE and that the rest belonged to the dealership. After informing them of my new knowledge that they werent supposed to receive a down payment on a credit purchase I would told you signed a contract, so we cant refund any of your money by a guy in the finance department.
Product: Credit card or prepaid card

USAA XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX XXXX XXXX XXXX Dear USAA Underwriting I would like to ask you to reconsider my application for your Preferred Cash Rewards credit card. I recently applied and I was rather surprised to receive a denial regarding my application. Due to the numerous positive reviews shared by my family and friends with respect to this card, I would like to share some more information with you in hopes of obtaining an approval. 

In your letter, you listed that the reasons for the denial were : - Presence of a bankruptcy - Time since most recent bankruptcy is too short - Insufficient number of open real estate loans recently reported - Total available credit on recently reported open bankcard accounts is too low However, I would like to shed some more light and update some of these issues. Firstly, one of the reasons I have a bankruptcy due to almost losing my battle with XXXX by attempting to XXXX XXXX. I was in the XXXX for one week, and I had just started a new job so the medical insurance had not kicked in. The hospital Bill was XXXX XXXXXXXX and immediately put me in debt. Filing for bankruptcy was the only option to remedy the issue. 

To add, Its been 4 years since filing for bankruptcy, and as you can see, I have rebuilt my credit and boasts a 100 % payment history on all 15 positive accounts. 

Additionally, I do not have any real estate loans as I have never wanted to be a homeowner. However, Im interested in purchasing a couple homes and multi family properties for the sole purpose of XXXX and XXXX temporary rentals. Im currently in the process with XXXX XXXX of gaining my first mortgage pre-qualification. 

Furthermore, you stated the total available credit on recently reported open bankcard accounts is too low. This doesnt make any sense when all of my cards are under 30 % utilization. For example, I have a XXXX XXXX credit limit on my XXXX XXXX XXXX XXXX cash rewards is only XXXX XXXX, which is 15 %. My XXXX XXXX XXXX is {$300.00} balance out of {$3500.00}, which is only about 8.5 % utilization. 

The Preferred Cash Rewards credit card will prove especially useful to me because I travel a lot and the no foreign transaction fee feature is a great fit for me. Also, the 1.5 % cash back can be put towards the principal balance due every month. 

I sincerely believe that I deserve a chance with this card. Not only did I rebuild my credit within 6 months, but I currently gross {$140000.00} annually, and I have a pretty robust stock portfolio weighing in at {$39000.00}. I also have accounts with XXXX XXXX, XXXX, and XXXX Bank. If you are willing to give me a chance, you can even start me with a low credit line of {$5000.00} so I can prove to you my reliability and loyalty to this bank. My checking account currently has a balance of {$10000.00} to show Im worthy. 

I thank you for your time and reconsideration and I hope to hear back from you soon. 

Best, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following XXXX XXXX. {$490.00}, XXXX XXXX. {$490.00}.
Product: Credit card

I opened a Secured Credit Card at Wells Fargo about 3-4 years ago. At the time, I was simply trying to re-establish my credit after a nasty divorce. A Personal Banker inside one of the local branches advised me to open a Secured Credit Card to help me in re-establishing myself. The Personal Banker explained that my own money would secure the credit card, allowing me to make purchases. He assured me that at some point, as early as 12 months or as late as 18 months, my credit card will become unsecured and my funds released back to me, and at that point I would have a normal credit card with even a possible credit limit increase. I am going on 4 years now I believe and each and every time I ask about my funds being released back to me, I am told that it is still under review. I called this afternoon to ask when I opened this credit card and I was told that they could n't release that information to me and that I would need to find my opening statement and look on there for it. I feel that this is just another bold face lie by Wells Fargo to tie up my {$1000.00} for this secured credit card while they obviously charge me interest on my purchases but I am not receiving any interest on the {$1000.00} that they are holding and refusing to return to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX Phn : XXXX XXXX XXXX Subject : Opt-Out Request Pursuant to 15 U.S. Code 6802 Section C and 12 CFR 10167.7 Dear ________________Consumer Assistance, I am writing to formally request that you cease and desist from including my consumer credit information in any prescreened lists provided to third parties for the purposes of extending credit offers, pursuant to the provisions outlined in 15 U.S. Code 6802, Section C. I believe this request is well within my rights as a consumer, and I trust that you will promptly adhere to this directive.

Enclosed with this letter is a certified Uniform Commercial Code ( UC ) 11 search, providing evidence that there are no outstanding liens against me from any of the following Information : All hard inquiries All Public records All Collections accounts All late payments No one has the authority or my written consent to report by law.

This document serves as confirmation of my financial standing and further supports my decision to exercise my right to opt-out under the legal provision.

I would like to draw your attention specifically to 15 U.S. Code 6802, Section C, which states : " C ) Opt-out. A consumer shall have the ability to prohibit a consumer reporting agency from making any prescreened solicitation to the consumer with respect to any transaction that is not initiated by the consumer, by notifying the agency in accordance with procedures established under subsection ( e ). '' In accordance with the law, I hereby notify you that I am opting out of any prescreened solicitations with respect to transactions not initiated by me. I expect you to promptly process this opt-out request and ensure that my consumer credit information is not included in any prescreened lists provided to third parties.

Furthermore, I refer to 12 CFR 10167.7, which outlines the procedures for consumers to opt-out of prescreened solicitations. I request that you adhere to these procedures and confirm in writing that my opt-out request has been successfully processed.

Please send confirmation of my opt-out status to the address listed above. If there are any additional forms or information required to complete this request, kindly provide those details promptly.

I appreciate your prompt attention to this matter and expect you to comply with the legal provisions mentioned herein. If you have any questions or require further clarification, please do not hesitate to contact me at the phone number or email address provided. 

Thank you for your cooperation in this matter. 

Sincerely, Enclosures : Certified UC 11 Search
Product: Debt collection

This company has been calling me everyday telling me I owe them {$50.00} for XXXXn XXXX. I have never used this company and the only time I have played XXXX XXXX is by buying tickets at local convenient stores, so how do I owe this company money?? I want them to stop with the harassing phone calls and remove whatever debt they claim I have as this is not my debt. I have never played online using the XXXX XXXXXXXX online system, the only thing I have done online with XXXX XXXXXXXX is use the " Play Again '' option on losing scratch offs which was years ago, I don't even think they do that anymore. I have never transferred money to this site nor purchased anything from this site, I have never used this company, and I do not owe anyone any money. I have even checked the site to see if any balance shows and it says {$0.00} so where is the {$50.00} coming from that they claim I owe them. I am not giving this company any money, I want the calls to cease, and I want the debt removed from my name as it is not mine.
Product: Mortgage

this is a HELOC with a Separate account number NOT IN LITIGATION. JP Morgan Chase Bank, NA, I believe is trying to merge the first mortgage ( in litigation ) with this HELOC NOT IN LITIGATION by making the new investor the same collections as the first that is in litigation. This is an attempt to merge the HELOC NOT in litigation with the primary that is in litigation. TWO SEPARATE ACCOUNTS. Now JP Morgan Chase Bank NA is trying to illegally merge the two accounts in effort to commit acts of wrongful/illegal? banking practices.

Please see attached showing two separate accounts being merged when the servicer of the primary mortgage Now Claims to be the new investor of the separate HELOC Not in litigation ... PLEASE SEE ALL ATTACHED!
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account with XXXX XXXX has been on my credit report for over seven years. The collection was last reported on XX/XX/XXXX as being opened in XXXX of 2014.
Product: Checking or savings account

PNC sent me a promotional via mail to earn {$500.00} on opening a new checking account with minimum {$4000.00} deposit. I opened a new account at the branch and was told to wait 90 days. I called two times, both times PNC told me to wait longer. I finally called after last possible wait time and PNC then told me I am not eligible because my XXXX added me to her checking account. I met the terms when opening the account and PNC conducted false advertising.