23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXXXXXX 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
Product: Credit card or prepaid card

I had received a credit card offer from " PenFed Credit Union '' for the " gold card '' which I considered to applying. Per submission of application for that " pre-approved '' offer, they requested my prior tax returns for 2 years. I first submitted documents on their upload page and never received a confirmation. Many days went by with me hoping they will respond but they never did so i called them instead. The agent i spoke to on XX/XX/XXXX claimed they don't see a single document uploaded. I then, literally while on phone, accessed upload link again and reuploaded documents so that they have the documents as they direct my application. The agent who spoke to me said they would give me a response next day, if not then latest the day after. I submitted them and never received a confirmation email yet again so I decided to take a picture of the " successfully uploaded '' page for personal records. Days went by and i got busy until i decided again to follow up with the credit union. This time i spoke to another agent and she told me the application was rejected because the application was closed and they never received any documentation like before. Absolutely ridiculous! Every agent i ever spoke to had a different statement, their technology is extremely unreliable as they cant even seem to find my application with my name and ssn in first place, let alone any documents. I provided her each individual reference number of each upload ( which she refused ever even took place rudely ) and only then was she able to even pull the documents out. Then she claimed that i was late in uploading documents after saying they never received them when the first agent literally told me they'll respond to me in within 2 days most. This is negligent business practice. Not only was i treated unfairly but i have an credit inquiry on my credit report which cant be erased. I request you to look into their unprofessional approach of client management. The recordings they have of our conversations will speak the truth as well. If you need supporting documentation, I can you provide all those as well as mentioned.
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 XXXX XXXX XXXX, 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 :
Product: Debt collection

Follow up to complaint XXXX. 

MLC states that a legally compliant validation response letter was sent. However, this is a bold lie. No complaint validation response letter has ever been received regarding the account identified in complaint XXXX. The consumer is requesting proof of such communication being sent. The consumer has all tracking and signature information to document her requests and receipt by MLC. However, no communication has been received by the consumer from MLC other than the previously provided letter stating MLC intends to cease any further collection actions dated XXXX XXXX. No communication has ever been received noting consumers communication preferences nor validation of debt. Nor has MLC addressed the proof of the FDCPA violations in their response to the previous complaint. Valid, actual proof was attached in the previous complaint but was not addressed by MLC. How is it that MLC can disagree with violations when proof was provided in the complaint? As previously stated, MLC may contact the consumer via the provided number to discuss settlement. If settlement can not be reached the consumer will move forward with filing proper court documents.

MLC has chosen not to address the valid proof of FDCPA violations provided by consumer included in the initial complaint. MLC simply chose not to address the provided facts and stated they disagree. On what grounds does MLC disagree with the violation proof provided?
Product: Bank account or service

I recently opened an account at populardirect.com, a division of Banco Popular North America. After requesting twice they delete the external account I had linked for transfers and were unsuccessful, I decided to close my account. I 've requested the account be closed and all funds returned to me over a month ago. I 've contacted them approximately 5 times and each time there is some problem why they ca n't close the account. I 've been told conflicting things each time I contact them. For example, I was told they could ACH the funds to another account once the account closure is initiated. Yesterday, on XXXX/XXXX/16, the customer service rep. indicated that they could only release the funds via check after I sign a document which may take XXXX10 days to receive. They are unable to fax/email the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Checking or savings account

This is a Regulation E dispute. My funds were stolen in conjunction with XXXX and XXXX. My phone was stolen in XXXX of XXXX My card was attached to my XXXX and XXXX XXXX. Since then my business account funds have been used without my knowledge or permission. When I noticed in XXXX of XXXX, I immediately notified the bank an filed a dispute. It was denied because the operator failed to include all of the transactions that I asked her to include. I was told I needed to file a police report and submit another dispute. I did both and provided the bank with the police report and they still denied the claim. I need my money back. It is protected funds and this should never have been allowed to happen. Someone should have notified me through various means as you have my email address and phone number and address. I was not notified that this spending had occurred. Usually they will send a txt to ask if a transaction was you and if I don't respond, they will deny the transaction and freeze the card. That never happened as whomever was allowed to access much of my funds. The Electronic Fund Transfer Act protects me from these types of things. I will sue TD for allowing this to happen, not returning my funds and causing me financial instability, The bank is required to investigate and if the investigation takes more than 5 days, to provide me with at least a provisional credit. They have not done any investigation obviously. I am not liable to transactions I did not authorize.
Product: Debt collection

I have received 3 letters via US mail from Transworld Systems Inc. requesting payment of {$60.00}. First statement XX/XX/21, second statement XX/XX/21 ( sorry this was tossed so I don't have exact date ), third statement XX/XX/21. 

The debtee listed is my doctor 's office, I called my dr office on XX/XX/21, XX/XX/21 and XX/XX/21 and they have no record of this debt. 

I spoke with TSI on XX/XX/21 and they have no record of this debt and said the referenced account number is not theirs. 

I filed a complaint with MA Attorney General 's office on XX/XX/21. 

I did a reverse lookup of the client phone number listed and this belongs to a MA resident. 

Interestingly, the po box listed is in lowercase, which seems unprofessional. 

Unfortunately, with the second notice my husband paid the bill, not realizing I was pursuing the legitimacy of the letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies in the information your company has reported to the credit bureaus regarding my credit account. The account in question is listed under the name XXXX XXXX with XXXX XXXX XXXX the account number XXXX. 

The following details are inaccurate : 1. Date Account Was Opened : 2. High Credit Balance : 3. Date Last Reported : 4. Date of Last Activity : 5. Date of Last Payment : The date of last payment reported is [ Reported Date ]. According to my records, the accurate date of last payment is [ Correct Date ].

6. Payment History : The payment history across all three major credit bureaus is incorrect.

7. Charge-Off Reporting : The charge-off status reported on this account does not align with my records. Under 15 USC 1681c ( a ) ( 4 ), charge-offs must be reported accurately and should not appear on my credit report beyond seven years from the date of the charge-off. Moreover, listing multiple charge-offs on my credit report can improperly extend the statute of limitations for reporting purposes, which adversely impacts my credit score and prolongs the negative effects on my credit profile.

Inconsistency Across Credit Bureaus : If the same information is being reported by your company to all three major credit bureaus, it should be consistent across all reports. Discrepancies in the information reported to each bureau raise concerns about the accuracy and reliability of the data furnished. According to FCRA guidelines, the information provided by a data furnisher must be accurate and consistent across all credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I am entitled to dispute inaccurate information on my credit report and request that it be corrected. Additionally, 15 USC 1666b requires that creditors and information furnishers ensure the accuracy and completeness of the information they provide to credit reporting agencies. Furthermore, 15 USC 1681c-2 ( Section 605B ) requires that any information related to fraudulent accounts must be removed if it is proven to be the result of identity theft.

I request that you conduct a thorough review of the disputed information and delete these inaccuracies. Additionally, please provide me with written confirmation once the corrections have been made and notify the credit bureaus to update their records accordingly.

Please respond within 30 days as required under the FCRA. Thank you for your prompt attention to this issue.
Product: Credit card or prepaid card

My account was locked because I changed my phone number. Verified all my information send over all documents chime. They stated I dont follow the deposit guidelines when only thing goes Into the account is my child support and paycheck every week i provide all documents required of me they are holding my funds and closed my account for no reason
Product: Debt collection

To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) and other related regulations. I believe that DISCOVER FINANCIAL SERVICES has engaged in a number of illegal and unethical practices in its attempts to collect on alleged debts that I do not owe. 
Specifically, I believe that DISCOVER FINANCIAL SERVICES has violated the FDCPA by : 1. Threatening to harm my reputation and creditworthiness : On XXXX XXXX, I received a call from DISCOVER FINANCIAL SERVICES in which they threatened to report the alleged debt to credit reporting agencies and to take legal action against me if I did not pay immediately. This is a violation of the FDCPA, which prohibits debt collectors from making false or misleading statements and from threatening to take actions that they can not legally take. 
2. Furnishing deceptive information since XXXX, I received a letter from DISCOVER FINANCIAL SERVICES that contained false and misleading information about the alleged debt. The letter did not clearly identify the creditor or the amount of the debt, and it did not provide any evidence to support the validity of the debt. This is a violation of the FDCPA, which requires debt collectors to provide consumers with accurate and truthful information about their debts. 
3. Calling, annoying, harassing, and abusing my privacy : DISCOVER FINANCIAL SERVICES has repeatedly called me at all hours of the day and night, even after I have requested that they stop calling me.By sending them a cease and desist They have also used aggressive and threatening language, and have made false and misleading statements in an attempt to pressure me into paying the alleged debt. This is a violation of the FDCPA, which prohibits debt collectors from engaging in harassment or abuse, and from calling consumers at times or in ways that are known to be inconvenient. 
I request that the CFPB investigate these violations and take appropriate action against DISCOVER FINANCIAL SERVICES to ensure that they are held accountable for their illegal and unethical practices. I also request that any negative marks on my credit report related to this alleged debt be removed, and that I receive compensation for any damages or expenses that I have incurred as a result of 's actions. 
Thank for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed negative items on my credit report and didn't get a response.
Product: Credit reporting or other personal consumer reports

I've been following my credit reports and the information on my credit and transunion took XXXX points away from my credit because XXXX of my accounts was the balance was decreased I paid it down a little bit more. I've never seen this happen I do not understand why they would take away XXXX points for my credit report when I'm paying down my balance on my credit card and making my credit utilization a little better. I find this to be very deceptive practice very unfair and not consistent.
Product: Credit card

Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, American Express has been inaccurately reporting credit information to XXXX, XXXX and XXXX resulting in my denial of credit in various instances. 

In XX/XX/year>, I made timely payment via autopay. After I made my timely payment via autopay, American Express proceeded to debit my entire balance of {$11000.00} from my XXXX XXXX account. When I called to complain, American Express told me that they CAN NOT STOP AUTOPAY!! After I threatened to go to the XXXX XXXX XXXX, American Express reversed the charge of {$11000.00}. WITHOUT MY KNOWLEDGE OR CONSENT, American Express then added {$9500.00} to my XXXX XXXX  account. It was clearly a computer error os very ignorant representative that added this {$9500.00} to my checking account. This {$9500.00} was not a credit line increase because IT NEVER APPEARED ON MY CARD NOR DID I MAKE THIS REQUEST. This {$9500.00} was SOLELY DUE TO MULTIPLE ERRORS MADE BY AMERICAN EXPRESS. 

I have tried to REPEATEDLY sort this matter out with American Express. American Express has REPEATEDLY refused to correct this error and update the credit reporting agencies in violation of 15 U.S. Code 1681s2. American Express continues to report my CREDIT LIMIT ON MY CLOSED BALANCE AS {$13000.00} AND MY BALANCE AS {$19000.00}. This means my credit utilization ratio is well over 100 % SOLELY DUE to errors by American Express. I have made {$5000.00} in payments which should have reduced my original and agreed to credit limit. However, American Express has refused to adjust my original balance with the payments that I have made on my original balance. I agree to an American Express card balance NOT to pay for American Express ' clerical error.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a Ally financiallocated in XXXX, MN. I have not been applying for a car in XXXX, I live in XXXX
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. 

Account name : XXXX XXXX XXXX XXXX  and : XXXX XXXX XXXX XXXX # XXXX have 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

I have submitted several letters to BOTH credit bureaus- Equifax and XXXX disputing this Account with ( XXXX CARD ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''account status '', ''dispute status '' and ''date of last activity ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM BOTH BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. NEITHER CREDIT BUREAU IS SHOWING A ACTUAL ''CLOSED DATE '' or ''VERIFIED DATE '' FOR THIS ACCOUNT. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

BOTH credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against BOTH credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I do not recall ever having this account/ Identity Theft