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

On XX/XX/XXXX XXXX XXXX of XXXX XXXX. XXXX & XXXX XXXX XXXX XXXX XXXX MO, ran a credit check on both me and my husband without permission. We purchased a home in XXXX of XXXX, and obtained our loan through XXXX XXXX ; that is how they have all of our information. XXXX reached out to get us to refinance our loan. I had a few text exchanges with XXXX XXXX about questions pertaining to refinance. My husband, XXXX XXXX never spoke with him at all. 
I received a credit monitoring notification that an inquiry into my credit was made. XXXX confirmed that he did run a credit check on me and also my husband. Neither us us gave consent ( I have the text conversation to prove this ) for him to run the reports. I informed XXXX XXXX that we never gave consent and requested that he immediately request that it is removed. He text me that it was just a misunderstanding and he was sorry. That is unacceptable and it was NOT a misunderstanding. It was a violation of my and my husbands rights. I do not know what recourse we have here, but this is not ok! You can not violate privacy and rights, just because you have their private information. Especially to gain a sale!
Product: Credit card or prepaid card

It started back in XX/XX/XXXX when i requested a credit increase. Instead they decreased my limit to XXXX some how XXXX was about 100 points lower the XXXX and XXXX i have got that corrected and score went up asked again for a credit line increase they said no based on a score from XX/XX/2017 from XXXX stating its highly unlikely my score has changed much well it has as it has been 3 months and errors cleaned up on that report
Product: Student loan

I was XXXX yrs old steered toward college because I maintained good grades in XXXXschool forced to take student loans to pay fot higher education and given a higher than 10 % interest rate with a cosigner because i hadnt established credit ( predatory lending ) i was then suspended from XXXX university for an offense that was dropped in XXXX county municipal court and the school proceeded to say they had more power than the court system and they didnt care what the ruling in the case was and found me guilty with no trial or evidence and I couldnt fight them because my family is poor
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
DISCOVER BANK XXXX Date opened : XX/XX/XXXX  Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car from XXXX - XXXX XXXX through Mercedes Benz Financial on XX/XX/2021 for my business, Next Level XXXX XXXX XXXX. The finance manager told me that Mercedes Benz Financial does not report to the personal credit file with a PG unless you default on the loan. My contract shows my business name only, but they have reported this on my personal credit file when it should only be reporting to my business credit file because I have not defaulted on the loan. I called to return the car and was told that I would need to pay $ XXXX to return the car after they had already sold the car that I traded in. I explained that this was unacceptable, and if I had known this upfront, I would not have purchased the new vehicle. I also called Mercedes Benz Financial and they are not willing to help either.
Product: Credit reporting or other personal consumer reports

I am trying to buy a home i notice some Negative report on my credit i contacted TransUnion LLC twice in regards to the same per 15USC 1681 i requested they furnish me with their means of investigation as the information is inaccurate, incomplete and unethical which they refuses to do. This report is misleading, Amiss, and awry and is doing a humongous damage to my character.Your intervention in this matter is highly appreciated. Thank you
Product: Checking or savings account

I file an dispute on XX/XX/ about an ATM withdrawal for the amount of {$360.00} that was stolen from my account cash app denied my disputes I sent a case number from a police report XXXX I requested documents from cash app from the merchant via Email and thru their support app cash app still have not fulfilled my requested CFPB XXXX ( d ) written explanation so I had refile my dispute for the 6 time and request documents from the merchant every time they denied my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several fraudulent/unauthorized inquiries listed on my consumer report that I did not give anyone permission to pull. My consumer and privacy rights have been violated pursuant to 15 USC 1681 ( B ) ( C ). I demand to be provided strick proof of my consent to furnish this information on my consumer report or delete the items immediately.
Product: Credit reporting 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, 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 an 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 reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I got a letter from Pressler and Pressler. They claim I owe a debt of XXXX. I requested validation immediately. This debt is not mine and I know they have no proof but the letter and my rights say i must request validation. I sent the request certified mail to XXXX XXXX. recipient did not print name on card. I got some strange looking copies of documents. They claimed to be court transcripts from XX/XX/XXXX. I had never seen these before. There was no court appearance date. I was never served a subpoena or sent anything through registered or certified mail. Even if this debt was mine, which it is not, this would be a lack of due service. you cant just SAY someone owes you a bunch of money and have no proof. I was also given a credit card number I never had. I sent a restricted mailing to XXXX XXXX. The signature was again illegible on the return card. I advised him the documents he sent were not proof of any debt owed to them by myself. I then got another letter telling me of alleged debt to which I am advised to send another validation letter within 30 days or debt will be considered valid. How many times will I have to do this? I believe they are trying to get a default judgement but the debt is not mine. If the debt was mine, which it is not, I feel i should have heard about it long ago since on the paper i was sent it says the last payment was XX/XX/XXXX. Why am I suddenly getting letters from this place now? I realize they are a junk debt buyer but I never had this credit card they say I did. If they could prove otherwise I would not be complaining against them obviously. I feel I will be inundated with mailings from them until i get sick of it and give up. I do not wish to give up because I DO NOT owe these people any money but they are legally allowed to continue to use my name as leverage to try to obtain money that is not theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 I XXXX XXXX XXXX DID NOT GIVE TRANSUNION, XXXX, XXXX ANY WRITTING INSTRUCTION.
Product: Checking or savings account

My account got frozen while I was trying to pay my rent, now I can't use the account for anything, my money is there and I can't pay my rent. The Company does not solve it and does not say how I can solve it, I have called numerous times and always the same response from robots attendants saying that I need to wait for the specialist to analyze the account and this can take up to 10 days! Like this? Will they keep my money for 10 days? I want my money!
Product: Prepaid card

The card gets declined.

When I try to log in over the telephone and online, I receive an error stating my card details ( XXXX digit card number & XXXX digit code on the back ) are incorrect. They are entered exactly as shown on the card. The card is not expired.

Customer service & online help ( XXXX ) asks for personal details including a copy of my photo ID, address, and telephone number which I am unwilling to provide. Based on the number of issues/ complaints against this company, they can not have the above personal identifiers for any reason.

This is {$100.00} USD on a XXXX gift card that we can not use.
Product: Payday loan, title loan, personal loan, or advance loan

I took a line of credit out for {$1400.00} and I have to pay every single week {$120.00} and then it decreases but I also have to charge an {$80.00} reoccurring fee that goes straightly to them so Im only paying {$43.00} of my principal and {$80.00} in interest that just sounds to me like I watch this XXXX XXXX over the payday loans and that just sounds just like this I thought I was paying like a monthly payment and only {$40.00} a month it is gon na go {$1400.00}
Product: Credit card

I have a Chase credit card. Upon receiving my bill for XXXX 2015 amounting to {$2700.00}, I paid the next day {$2700.00}, intentionally leaving a unpaid balance of {$83.00} I used my internet XXXX banking account. The XX/XX/XXXX bill showed an interest charge of {$14.00} on an unpaid balance of {$1000.00}! I called Chase to question where they came up with this amount. She said it was based on your average for the month and could not explain it any better to me. I feel if I paid all but {$83.00} I should be charged interest for JUST this amount for the XXXX days it was carried over till next month. I think this is a scam used by credit card companies. If Chase has XXXX XXXX card holders and they do this to everyone that has an unpaid carried over amount, they make a lot of extra money each month and is vary unfair to card holders. I bet few people realized this is going on and do n't question the excessive interest on their bills each month. I read the recent article in XXXX magazine and felt it worthy of sending this note to you. Thank you for protecting us. XXXX XXXX
Product: Checking or savings account

I just received an email after I submitted a complaint about PayPal denying my XXXX XXXX claim, they decided to close my account without giving me any specific reason. They just said they are closing my account due to risk. Ive had the account for over 3 years. On top of that they are staying any money that comes into the account will be held for 180 days. They are basically stating they will hold onto to any money for 6 months. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureau XXXX XXXX and LexisNexis has allowed companies that have already been disputed on my credit report and removed due to investigations that discovered these were fraudulent accounts to change the name of the company or sell the debt and be put back onto my credit score I have tried to dispute these charges and have explained and showed them debt the collectors just change the name or either so the deck in re issued the debt onto my credit report after it had already been disputed and removed. XXXX XXXX in LexisNexis have also allowed unauthorized inquiries after investigations also proved that due to certain circumstances I could not have randies inquiries on my name. XXXX XXXX XXXX and lexisnexis a ... .ve aliases and addresses that are unknown to me
Product: Credit card or prepaid card

I have been a customer of SunTrust Bank for over 25 years and up until XXXX, they handled all of my personal banking business. In XXXX, I opened 2 business banking accounts with SunTrust in addition to all of my personal accounts. InXX/XX/XXXX, I asked the bank to authorize credit cards for both of my business accounts. The 1st credit card was submitted and authorized without incident ; the 2nd business credit card application was submitted, and onXX/XX/XXXX, I was sent two, almost identical letters denying my request. The second letter specifically states that the reason for denial is " Age of Applicant ''. 
I immediately reached out to SunTrust but have not heard back from them as yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 




I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and Equifax, XXXX and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.
Product: Credit reporting or other personal consumer reports

Dear XXXXXXXX XXXX XXXX ; I was shocked when I reviewed my credit report and found late payment on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or when i was facing some medical XXXX emergencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681 Transunion XXXX XXXX XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give Transunion XXXX XXXX XXXX permission to furnish these accounts. XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as well as XXXX Inquiries listed on my report that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX hard inquiries on my equifax credit file that I have not applied for credit with any of the companies. I have reached out to equifax and the companies who reported inquiries and neither have removed these XXXX hard inquiries from my account
Product: Checking or savings account

XXXX the XXXX 2024 was supposed to be credit XXXX and credit of the amount of XXXX it was never in my account irs sent it off XX/XX/year> I been calling and they keep saying the same thing I never had this problem with chime but I dont like that
Product: Checking or savings account

After multiple failed attempts to transfer my funds to external accounts starting XX/XX/XXXX, I decided to close my Flagstar accounts on XX/XX/XXXX, when my transfer request failed the 4th time, with trial deposit verified and sufficient balance ( $ XXXX ) to cover transfer amount ( {$1600.00}, $ XXXX ). I contacted Flagstar online chat, and was told I needed to call customer service to close Flagstar account. Then I called customer service and was told I needed to close the account via secure message, because my account was opened online, not in branch. Then I submitted the request via secure message and yesterday on XX/XX/XXXX, XXXX, an Flagstar employee, blatantly ignored my request by saying I'm requesting " a statement copy '' by responding " Thank you for contacting the Flagstar Banking Support for assistance. I am happy to help you with your request for a statement copy. '' ( See attached ) This is a fraudulent practice effectively blocking my access to my own money.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Student loan

On Monday, XX/XX/2022, I was shopping for student loan refinance rates. Many lenders will provide refinance quotes without doing a hard credit inquiry. I was trying to determine if Navy Federal did the same. After finding an article published by Navy Federal at this url, XXXX XXXX XXXX I felt secure in obtaining refinance quotes from Navy Federal without them conducting a hard credit inquiry. I thought, " Surely Navy Federal wouldn't publish an article that states that it is a myth that getting a refinance quote hurts your credit score and then conduct a hard inquiry when someone applies to them for refinancing quotes. '' I hit " Apply Now '' on their student loan refinancing webpage and entered estimates of my income and assets and then was presented with rates subject to change based on a complete credit application/pull. I did not move forward with any of the quoted rates or with this so-called " application. '' It turns out, Navy Federal did conduct a hard inquiry. 

The terms I agreed to when I submitted this " application '' authorized Navy Federal and/or their third-party vendor ( XXXX ) to obtain a personal credit profile from a credit bureau '' for `` credit pre-authorization. " The article published by Navy Federal is extremely deceptive. As are the terms I agreed to in obtaining refinance quotes because " pre-qualification '' does not translate to a hard credit inquiry in the general and logical sense. This language is ambiguous and should be construed against the drafter of these terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.
Product: Mortgage

CFPB complaint XXXX has been closed without giving me a chance to reply. 

I am still waiting on paperwork for the closing. I have not received a statement since XXXX when believe I may have overpaid on the last payment amount. 

I am still waiting on the mortgage and statement paper by the mail..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint to inform the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I never received anything in return due to idenetity theft therfore the Credit Bureaus are required to remove disputed items completely from my Credit file : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX Balance {$740.00}.