23daVinci/CFPB_Complaints huggingface dataset:
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 Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX, Account name : # 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 Anv other adverse item of intormation. 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 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Checking or savings account

I went into a branch located at XXXX XXXX XXXX XXXX NY to simply move funds out of my HSBC Savings Account. GIven the sum of the withdrawal I requested a bank check. After 45 minutes of physically being in the branch and speaking to the floor manager who had been speaking with somebody over email ( not sure why not over a phone call ) the bank check was finally approved. They could not print the bank check though because their printer was inoperable. I asked for them to write a check since a broken printer could not simply render a banking institution inoperable. They told me this was not possible. I asked for cash, this was also not possible. I was told by my banking relationship manager ( XXXX XXXX tel XXXX ) that I could go to another branch, come back when this current branch 's printer was working, or they could mail me a check. This is an unacceptable outcome after waiting in the branch for 45 minutes. How can a banking institution not allow a customer to withdraw funds?
Product: Mortgage

I was a BB & T customer and the merged with Suntrust and now its Truist. All the years I was with BB & T they provided payment booklets. Ive always made my mortgage payment on the 15th or 16th of each month. I most always pay by phone before the late charge is accessed. If the payment falls on a weekend I will personally take it the bank. 

Since they merger I finally one month XXXX look at statement and it stated I had all these late charges. I never know anything about large charges. I called the first time spoke with a XXXX and she said I had payment make on the XXXX. I said I have until XXXX before charging a late charge. She couldnt give me a answer. I was transfer to manager name XXXX XXXX?. She stated since the merger there have been a lot of complaints about late charges. She stated collections should have call me. I told her I have never received a letter nor call regarding a late payment. Also, when I call to make the payment no mention of it either. 


I have tried calling an speaking to different people with and leaving voicemail with no return call. 
The last manager left message for was XXXX and voicemail with no last name.
Product: Debt collection

Contacted on XX/XX/23 When I stated that I did not owe this amount they said I would need to contact the company in question and they could not assist me further. I contacted XXXX and XXXX told me they do not know why the company is trying to collect as XXXX in fact owed me money, I did not owe them anything. 

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

n accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 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 XXXXXXXX i am requesting that ALL non-accu0nt holding inquiries over30 days be removed. 







Has violated my rights XXXX U.S.C XXXX section XXXX A States I have the right to privacy. 



XXXX XXXX XXXX Section XXXX A Section XXXX, it also states a consumer reporting agency can not furnish an account without my written instructions. 



XXXX XXXX XXXX ( a ) ( XXXX ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years. 



XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.
Product: Debt collection

This debt collection company is unlawfully attempting to collect {$2.00} worth of tolls and has assessed me with a " fine '' of an additional {$100.00} for toll evasion. I did not amass these tolls. They've offered me a " hearing '' only if I pay the full {$100.00} as a " deposit ''. When advised that they do not have jurisdiction to collect for the transportation company nor assess penalties without due process, they attempted to extort me and claimed that they " will levee my bank accounts and withdraw the funds without my knowledge ''.
Product: Credit reporting or other personal consumer reports

Even after submitting FTC report # XXXX, these unauthorized inquiries remain on my credit report. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of compliance, and each company received a certified letter indicating the inquiries were unauthorized, requesting their removal. I am now requesting immediate deletion of the unauthorized inquiries listed below. Enclosed is my new FTC report for reference, number XXXX. The purpose of this message is to address several unauthorized hard credit inquiries on my credit report. I am disappointed by the lack of action. When will Equifax remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please stop the delay tactics and remove the following inquiries : 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 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 XXXXXX/XX/XXXX. You have four business days to remove the reporting of any items in my credit file that resulted from incorrect credit report details. I do not consent to E-OSCAR or any means of automated verification.
Product: Vehicle loan or lease

I keep getting calls from wells fargo starting I am did not make my last payment and indeed I did and they are claiming that I can not get my title unless I pay about {$400.00} by today and they call me every week. However, I already own the title so I do not understand why I am being harassed regarding this.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

I have a hard inquiry on my credit report from OneMain financial that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. XXXX XXXX XXXX I # 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Debt collection

On XX/XX/2021, Ability Recovery Service responded stating they sent documents to validate this alleged debt, which was never received. However, Ability Recovery Service still did NOT send me any of the documents that I requested about this alleged debt. The forms they submitted was not validating the debt and because they refuse to send the documents I requested, this account needs to be deleted from all of my consumer reports. 15 US CODE 1692g Validation of debts Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Product: Money transfer, virtual currency, or money service

A check issued on my behalf by XXXX XXXX  was dishonored by XXXX XXXX XXXX  with the cryptic reason " refer to maker ''. Ally has investigated and found evidence that the check was paid. XXXX XXXX refuses to give any information. 

The check itself has the phone number of " Payment Processing Center '' which seems to be not XXXX XXXX but a company named Northern Trust. 

As far as I can determine, filing a complaint here is my only way of figuring out why this check was not paid and what happened to my money.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX, etc
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 violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Additionally, 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate recourse for these violations.
Product: Debt collection

I bought my lease out XX/XX/22. I had to vacate the premises by XX/XX/22. I left on XX/XX/22. Now they say I owe more money. I wasn't behind in my rent, so if I didn't buy my lease out, why did they take my {$2400.00}? I thought we had a meeting of the minds. The transaction took place in the office. There was an offer and acceptance. The XXXX and I sat there and worked it out. They gave me a discount on the buyout and a move out credit.
Product: Debt collection

Company posted a XXXX derogatory comment on my credit report. I have tried resolving this for three years. The company will not respond so that it can be resolved. The only time actual communication occurred was on the phone and they wanted me to give them my credit card information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to dispute issues on my credit report when attempting to verify my information equifax keeps saying the info I am providing is incorrect and when I spoke with a supervisor I was told nothing could be done and the questions they asked are broad based and don't ask specifics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and notified bureau and also send documentation to one creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past 8 mths
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts to rectify this issue, the inaccurate information continues to tarnish my credit history, causing significant distress and impeding my financial well-being. There are multiple fraudulent items present on my credit report that are negatively impacting my creditworthiness. I have submitted dispute requests on several occasions, providing supporting documentation to verify the fraudulent nature of these items. I have made multiple attempts to address this issue by following the established dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items persist on my credit report. The presence of these inaccuracies has severe consequences for my financial standing, affecting my ability to secure credit, obtain favorable interest rates, and maintain financial stability. I am formally requesting that you conduct a thorough and expedited investigation into these fraudulent items. I have attached copies of the supporting documentation for your reference. Furthermore, I insist on clear and timely communication throughout the resolution process and a written confirmation of the corrections made to my credit file. It is imperative that these fraudulent items are promptly and permanently removed to restore the accuracy of my credit history. If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will be left with no choice but to escalate this complaint to regulatory authorities and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : 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

Checking my credit report from TransUnion? XXXX credit services it shows on my credit report that I " XXXX XXXX XXXX paying a second Mortgage to " XXXX XXXX  XXXX. The Only Mortgage that I am paying and I am very current and open and with excellent standing is through XXXX XXXX XXXX Mortgage Acct. # XXXX for XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX # XXXX. 
And the one from XXXX XXXX  XXXX ID Number starts with XXXX ....?? with a balance of {$62.00}, XXXX. Which its NOT MINE MORTGAGE at all! I called XXXX XXXX bank and explained my situation and told to file a complaint through CBPF. Even XXXX XXXX its Part of XXXX but it is showing a Mortgage that its NOT MINE! Please investigate this matter and get my credit report correct! Please!
Product: Debt collection

On XX/XX/XXXX  was the first and last time Hunter Warfield contacted me via email about a debt they claim I owe, I replied on that same day and told them I dont owe the debt nor know about it, when I told them that I never hear from them again. However, XXXX XXXX when I refresh my credit report, I see Hunter Warfield on my XXXX, XXXX and XXXX credit report under collections out of no where ; after 4 months of no communication. I contact them via email to provide me proofs that I gave them authorization to access my file because that is illegal for someone to authorize/ put inquiries on my file without permission they later then ignored my email. All in all I dont owe the debt
Product: Debt collection

I had went to the hospital XXXX  of last year XX/XX/XXXX. I had received Medicaid and all of but one bill for {$110.00} for XXXX XXXX XXXX was paid for in which I had called several times about informing them I had full Medicaid at the time. I now receive a bill from GSI recovery in which I had called several times and never got a call back until today XX/XX/XXXX when I had called 4 times until finally someone picked up. When I tried to explain what was going on and tried to give him my information he said that I had to call Medicaid in which I then tried telling him I did and they said to call them he then yelled at me told me to never call his business again and he dont care that it will now be added to my credit report as bad debt and that I should pay my bills. I was covered so my bills are paid why I keep getting this one that I have called many times about I dont know and keep getting the run around but to be threatened that it will now be added to my credit report as bad credit when i should have never received this bill in the first place is beyond belief. How many times have this company did this to people instead of helping them just threaten them and put things on their credit report that do not belong there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has recently deleted a XXXX credit card account without any notice or justification that I am listed on as an authorized user. The credit line is currently {$18000.00}. This is causing me a substantial hardship since the recent deletion has caused my Equifax score to be less than stellar.
Product: Credit card or prepaid card

I have called a lot of times over the past five years trying to get my cards with Capital One to work. Stay on the phone for hours at a time without getting the problem fixed. It has something to do with my phone number I think. They say it is not mine but I know that I have had it a very long time, over five years, I know. It was a XXXX number from Walmart and then I swapped carriers and kept the number with Walmart Family Plan. Capital One took over my Walmart card in the last month and now I can't login online to pay it because of the same issue. They say there is a restriction on my account. I have asked them to take it off and nothing happens. They keep asking for my phone number so they can send me code on my phone but they could never get the account fixed. In the past I have had to send them copies of my drivers license and some other documents and I think that they asked me to send a copy of my SS card and I said no way that I am going to send that online and to an overseas location ( XXXX Maybe ). They said that they never got them or it was not what they asked for. 
I just want it fixed so that I can pay my bill online. At this point I am not sure if I can even use my Walmart card but I do know that they are sending me a Capital One card to replace it and when that happens, I will not be able to activate it because of the same issue. I have cards now from Capital one that I can't use because of this so called restriction. I am sending a letter to the CEO of the company today to the main office. 

Please help