23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I work for a Company that does business with XXXX XXXX XXXX XXXX. XXXX provides SPIFF 's as bonuses to the sales people. Money Network is the provider that XXXX uses to distribute these bonuses. In XXXX of this year I received XXXX debit cards from Money Network and I activated them on-line. On XX/XX/XXXX XXXX made a deposit of {$75.00} into XXXX of my cards as a XXXX bonus. XX/XX/XXXX I attempted to access my bonus funds and had the card declined. I called Money Network and was told that I had to fax a copy of my social security card, drivers license and passport to verify my account. I did not want to do this and sent a request to have XXXX help me and was told by them that I had to deal with Money Network. XXXX would not help or change their policy to send bonuses to an account of my choosing. I called Money Network again and had to fax the documents to them. About a XXXX later, I called Money Network and was told the accounts were still locked because now they needed proof of my physical address. I faxed them a copy of my last propane bill on or around the XXXX of XXXX. I called them back around the XXXX and they stated that they had not received it and I needed to fax it again. I faxed it again on the XXXX of XXXX and called back on the XXXX, still they had not received the second fax. I asked if I could get an e-mail address to send it and they refused. I asked for a supervisor and was given an e-mail address and sent the bill on the XXXX of XXXX. I called today and my accounts are still locked because the bill is now older than XXXX days. It was dated XXXX XXXX the date of my last delivery and now unacceptable. When this all started it was well within XXXX days and by all accounts is only just over by XXXX days now. I wo n't be getting a propane delivery again until fall. I think I have been more than patient in attempting to access funds that are unquestionably mine. I need to have help in convincing Money Network to unlock my XXXX cards and allow me access to these funds before they start charging monthly maintenance fees. Thank You!!
Product: Credit reporting or other personal consumer reports

I do not want those hard inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

My information was bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data and Experian has done nothing to help protect me either. I want all address and variations on names that are not on the attached documents of proof as well as any and all hard inquires. Please see attached
Product: Checking or savings account

I filed a complaint with CFPB on Suntrust XXXX which Suntrust as usual denied claim and CFPB did nothing, since then Suntrust abrupyly closed my account I have no access to my funds and my funds are not returned they can not illegally hold my money they are Suntrust angry I filed a complaint with CFPB and I told them I would file a complaint with the Federal Reserve, Suntrust has XXXX American mangement I am XXXX they descriminated against me as well
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX  XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX - XX/XX/XXXX Equifax XXXX - XXXXXX/XX/XXXX Equifax  XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX  XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion Section 611 ( 15 U.S.C . 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all i see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I have recently obtained a copy of my credit reports that reflects a credit inquiry made by your company that I do not recall authorizing. 
This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have the unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

If you have any documents that you believe authorized your organization to make the inquiry, I respectfully request a copy of it to be sent to my address so that I may verify its validity. Given the growing nature of identity theft, this verification will protect both our interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the account listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}
Product: Credit reporting or other personal consumer reports

Im enrolled in credit monitoring from XXXX XXXX, and I received a notification that there was a hard inquiry or hard pull on my credit report, but I did not apply for any sort of credit. Upon an investigation I looked at my XXXX XXXX report, and it showed that there was a hard inquiry from Check Plus Systems ( finance ) on XX/XX/28. I XXXX their number and I called them, but they were very fishy and shady and they wouldnt give me any information. From what I can deduce is that theres another person with my name in Texas and they wrongfully pulled my credit, even though I never lived in Texas, or gave them any consent. I never even heard of this company. Im very upset because I work really hard to keep my credit score close to XXXX or above XXXX. How do they even have all my information? Please help remove this inquiry from my credit and bring them to Justice. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. 
This lack of action is both concerning and unacceptable. For your reference, the inaccuracies I outlined in my original letter are as follows : 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

I appreciate your taking the time to DELETE some of the erroneous inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Purchased mattress with XXXX XXXX  Credit card promotion, where if you set up automatic payments, there was XXXX interest. I was told the whole process was automated, including a balloon payment at the end. However, the balloon payment was not automated, so when it didn't happen, I was charged deferred interest charges of {$2900.00}. I have paperless statements with this account and usually get monthly emails with balance. I had not received an email for the last 4 months, and when I received it this month ( XX/XX/XXXX ), I saw the higher balance. I called them to see if they could waive the charges but they said I was outside the 30 day waive window. My issue is that I was unaware of this charge because I understood the whole process to be automated including balloon payment, and I received no email statement saying that I needed to pay it off, only an email when it was 2 days outside the waive fee window.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate ( Account number XXXX account name XXXX )
Product: Debt collection

Transworld systems had been calling repeatedly using cell phone exchanges to prevent " Transworld '' on a caller ID. They never left a message. On XX/XX/XXXX at XXXX I answered XXXX of those calls ; they have actually used XXXX numbers. The woman on the other end asked for my son, did I know where he lived and where he worked. Thinking it was a friend of his, I told her he lived in XXXX XXXX, MD. Then I asked for her name but she said she did n't have to tell me that. Then I asked who she represented and she again said she did n't have to tell me ; I hung. Since that day, Transworld has called every weekday without leaving a message. Nine dayslater, on XXXX XXXX they began leaving a message saying who they were and " the official debt collectors disclosure '' about the purpose of their call ; they never did did before. About the third week in XXXX Transworld garnished my son 's paycheck {$75.00}. As my son is XXXX, he gave them permission for me to talk to them on his behalf. XXXX XXXX, XXXX XXXX XXXX at XXXX immediately launched into her tirade of agressive intimidation, which included telling me not to interrupt when I attempted to ask a question, repeatedly telling me that both I and my son were lying, and continually making demands regarding my compliance, in the process repeating herself over and over again. It was a classic " breakdown-the-subject '', one-sided barrage of intimidation designed to frighten me into submission. Her berating went on from XXXX XXXX until XXXX ; a full hour and a half! My son submitted the signed " XXXX '' forms she sent him and is supposed to get his loan payment reduced to 1 % of his income. His takehome pay, after deductions, which include a company health plan, is {$XXXX}. There is also Transworld 's collection fee of {$3200.00} which I assume they will want him to pay. My son got a XXXX year degree using many loan programs including XXXX, XXXX and XXXX. Because of his XXXX he received XXXX years of XXXX paid for by the county and the state that cost {$100000.00}. In his XXXX he also became XXXX ... and XXXX ; he was an XXXX years. He started his XXXX and worked as a XXXX during that period, but never made very much ... barely enough to support himself. XX/XX/XXXX he entered a XXXX and has been XXXX for seven months. He has had a job since XX/XX/XXXX and has received XXXX pay increases and numerous promotions ; he is now the XXXX. I think XXXX XXXX and Transworld have violated laws regarding debt collection. Thank you for this opportunity to submit a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow up to my original complaint dated XX/XX/2020 regarding inaccurate information on my credit report. Specifically as it relates to credit inquires that I did not authorize, made by the following companies : 1. XXXX XXXX XX/XX/2020 2. XXXX XXXX  XX/XX/2020 I did not authorize anyone employed by these companies to make and inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 ( c ) and serious breach of my privacy rights. 

On XX/XX/2020 I was informed that Transunion was going to respond within 60 days from the date your company sent over that complaint. 

Its has been more than 60 Days and I still have not received any documents or contact from transunion regarding there investigation results. 

The incorrect information is still reporting on my credit report and needs to be removed.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account I did not authorize on my credit. I also gave them a police report. I asked how this happened and they gave me no answer. They said that they would do an investigation and that it would take 30 days. It has been beyond 45 days and I have not receive anything. This is illegal and against Fair Credit Reporting Act. Please remove the account below. 

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

Billing errors on my credit report list late payments that dont match my payment history. Please address these mistakes and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up to my last complaint regarding the account that is reporting incorrectly. I have not yet received a confirmation that the aforementioned account is fixed or resolved. I am including that account again here it is : XXXX XXXX XXXX Balance : {$6400.00}
Product: Debt collection

This is the 4th or 5th time Ive written regarding this. Today - XX/XX/ I received a letter in the mail from this debt collection agency for XXXX XXXX. I have repeatedly said to stop sending mail & all other forms of communication to me. You continually ignore my wishes. Consider this notice pre litigation. If you contact me or my wife again you will be before a judge & I will win. Ive had enough. DO NOT CONTACT ME OR MY WIFE AGAIN!!!!! 

Dont give me the nonsense about being obligated to send me mail. My son works in XXXX XXXX. You do NOT need send a notice when youve been told not to. These debts will never be paid. This is criminal harassment at this point. PA crimes code 18.2709. Ill file both a civil suit & a criminal suit if I receive more communication from this agency. And before you think this is an empt threat I am a XXXX XXXX XXXX. I will 100 % seek legal actions. 

Further dont call it a validation notice. Ive NEVER once requested validation of a debt. The only communication Ive had with your agency is the communication telling you to stop harassing me. 

Its not hard. STOP CONTACTING ME
Product: Mortgage

I purchased a home in XXXX XXXX, Florida in XXXX of this year. The mortgage lender has sold/transferred the the servicing of the loan to another company. My first payment and second payment were sent to the original mortgage company because the notice of service transfer was sent to the address of the home purchased instead of my current address in Virginia. The first payment was forwarded automatically to the new servicer. The second payment however was not. I have contacted the company several times and each time I am assured that the second payment was received by them and will be forwarded to the new servicer. As of today it has not posted to my account on the new servicers website. The payment in question was due on the first day of XXXX. That puts it almost three weeks late. Help, need some guidance here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX do not recognize this company and I did not provide personal info such as address or my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount and address wrong never open a account plus I don't have a middle name
Product: Credit reporting, credit repair services, or other personal consumer reports

bankruptcy XXXX bankruptcy XXXX i supplied them with letter of dispute and reason and they refuse to update my account in a timely manner.
Product: Credit reporting or other personal consumer reports

Jefferson Capital System, LLC made a negative entry into to my credit ratings with XXXX, XXXX and XXXX XXXX for a XXXX account that I never opened. They entered this negative entry of me without conducting an investigation of this fraudulent account. A person opened the account on XX/XX/2019 using the name XXXX XXXX, my social security number, an email of XXXX email which is not mine, and an address of XXXX XXXX XXXX XXXX, MD XXXX which I have never lived at. I have never lived in that State. My credit rating dropped over XXXX points due to their negligence. I have been damaged by their conduct and this crime committed against me by the fraudulent use of my social security number.
Product: Credit reporting or other personal consumer reports

each company listed has violated my rights as a consumer specifically, under the FCRA 15 U.S.C. 1681b, 15 usc 1692 & 15 usc 6801, 18 U.S.C. 1028A, 15 usc 6802 ( b ) and lastely 15 usc 1681 ( N ) ( b ). Then when asked to provide such documentation they ignored me. each letter was notorized and sent with signature tracking to show the dates received. 

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 ( Last reporting date ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last date reported )
Product: Credit reporting, credit repair services, or other personal consumer reports

Released Tax Lien XX/XX/XXXX {$990000.00} XXXX XXXX - Released Tax Lien XX/XX/XXXX {$990000.00} XXXX XXXX - Released Tax Lien XX/XX/XXXX {$680000.00} XXXX XXXX - All tax liens have been withdrawn and should no longer be showing up on this credit report.
Product: Credit reporting or other personal consumer reports

I Have names, addresses and a bankruptcy reporting to my XXXX credit report that are INACCURATE.
Product: Credit reporting or other personal consumer reports

Kindly block and delete these incorrect accounts from my credit report immediately. This needs to be handled urgently.
Product: Credit card or prepaid card

On Tuesday I contacted Capital One because I need to reset my pin number because I have a got it they was on able to do so so the agent sent me out a new pin number in the mail and she told me that I can go outside of any bank and do the cash advance so I asked her if I do that when I received a fee for that she said no and I said OK fine well today I notice I received a {$10.00} fee so I contacted Capital One and asked him about it and I asked XXXX wants not twice but three times for them to play for me on hold and to have their car retrieval because the agent told me I was not going to receive that fee every time up contact Capital One Im being told different information and is kind of frustrated as a customer so I think at this point that fee needs to be taken out as my inconvenience
Product: Checking or savings account

Activity on my account that was NOT me... Chace headquarters XXXX ext XXXX told me when I closed the account that she would investigate my account and tell me where my money went and who is transferring it out ... XXXX week later I called her back and she said " she's still investigating... XXXX days later I call again and she said " she was on vacation and she is investigating it and will call me back that afternoon!! She has NEVER called me back, help me in any way... .she makes me feel like I'm a no body and my case isn't worth looking into ... .although she said that she still investigating XXXX weeks later!! ! She has definitely changed my mind on getting another account here at chace... I WILL NEVER have another chace account again ... .call me for more details and proof of this complaint ... thank you XXXX XXXX XXXX or XXXX ....