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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Last month discovered quite a few hard inquires on my report that I did not authorize. I reached out to the furnishers and I have collected responses. ( I previously filed a 90 day fraud alert ) To expedite matters O would like the credit reporting agencies to act on these items immediately. I have enclosed the letters referencing the dates and hard inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my account from XXXX. I never used XXXX and never agreed to checking my credit from XXXX on XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account # XXXX XXXX XXXX XXXX  ), Account # XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX XXXX, Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX ), Account # XXXX ( Dept of Education XXXX  ), Account # XXXX XXXX XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), Account # XXXX XXXX XXXX XXXX XXXXXXXX ), Account # 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I pre-paid for a rental car on XX/XX/2019 with XXXX for my XXXX trip to XXXX XXXX, Fl. Upon arriving at the rental counter I was told I needed to produce my auto insurance declaration page in order to rent the vehicle from XXXX XXXX XXXX. I told them I was not informed in any of the documentation they sent prior to my arrival that stated that and they said it would be in my contract that I needed to sign. I argued that this was deceptive business practices by now forcing me to take their car insurance at an additional cost than what I agreed to.After I expressed my dissatisfaction with their policy I asked how much they wanted to charge me for their insurance at which the customer service representative stated that it didn't matter " he was not going to rent me a car regardless ''. At that I returned to the airport and rented a car with no issues from XXXX. 
I called XXXX to express my dissatisfaction and request a refund for the vehicle that I pre-paid {$180.00} for back on XX/XX/XXXX and they said since it was pre-paid they could not issue a refund. I then contacted my credit card company ( Capital One ) to report my issue and start to chargeback procedure. 
I continued to press XXXX XXXX XXXX for a refund and was contacted by XXXX XXXX who is the Customer Service manager at XXXX XXXX XXXX who apologized for inconvenience and stated she would issue a refund. She then contacted me the next day and stated that since I had reported the issue to my credit card company she could not issue a direct refund to me she would have to work through my credit card company. I agreed to that and considered the case closed. 
I was then informed by Capital One that XXXX XXXX XXXXl had declined my request for a refund and the charge of {$180.00} was put back on my card. I contacted XXXX XXXX and was told that since I filed a chargeback with my credit card company her policy states that she can not issue a refund. 
So, XXXX XXXX XXXX did not fulfill their obligation to provide a vehicle that I paid for and Capital One refuses to support my claim that I paid for a service that I did not receive thus my writing to you today. 
I have documentation that supports everything that I stated above and will provide it upon your request. Any assistance you could provide would be greatly appreciated. Thank you in advance.
Product: Mortgage

I am in the process of foreclosure with Citimortgage. I filed a complaint with CFPB on XXXX/XXXX/15 because my lock was glued shut. Citimortgage replied, but did not fully address my concerns. They denied gluing my lock shut and wrote : " You acknowledged and advised that no further assistance was required. '' Their statement is simply NOT TRUE. I NEVER said that no further assistance was required. My house is scheduled to be sold at auction on XXXX XXXX and my lock is still glued shut. My fence is still screwed shut. I have NO ACCESS to my house. The notice posted on the door told me to call XXXX, which is Citibank 's number. If Citibank did n't do it, then who did it? Are they asking me to believe that someone else came to my house, glued my lock shut and left a note to call Citibank in case of questions? There are still XXXX pieces of furniture inside the house, as well as my appliances. I want Citibank to either install a new lock and allow me access to my house or reimburse me {$1000.00} for the appliances that I am not able to get out of the house. If they do not install a new lock, I want Citibank to agree in writing that the house no longer needs to be in " broom swept condition '' for the {$5000.00} cash for keys offer to apply, since I can not go inside to sweep it and remove the last XXXX pieces of furniture as I had planned to do.
Product: Mortgage

Flagstar Bank is the worst financial institution and should not be in business. I started this process to refinance an exiting loan with Flagstar in XX/XX/XXXX. It has has been over six months! This process is no closer to closing this out and going on month seven! 

As of to date, XX/XX/XXXX, the loan still has not been processed or finalized. Im working with my third loan processor and have been asked to resubmit all of the information I have previously provided plus more as if Ive never submitted any information. The loan processor/ supervisor, while very nice and the reason I elected to refinance with Flagstar , has not been monitoring my file nor provided any resolution. I contacted the customer service line and never received call back or resolution. I made several attempts to ask for a manager to call me back and still have not heard from anyone!! My experience with this company is unbelievable and has been unprofessional. 

Im a professional with minimal debt, great credit and should never be treated or made to feel less than. I learned that the underwriter assigned to my file has spent the last six months or more excessively questioning my file, asking for several documents ( that I have provided with no delays and in access of what has been asked ), and scrutinizing my file based on a what I believe to be a bias - questioning my low monthly gas bills. This is ridiculous and uncalled for and an attempt to suppress consumers by frustration and dissuasion. 

Flagstar has and continues to waste staff time, money AND my time, money and energy! Im at a loss.
Product: Debt collection

XXXX contacted me XX/XX/XXXX stating that they were consumer location services and gave me a claim number of XXXX and told me to call XXXX regarding the claim. The representative told me that there was a warrant for my arrest out of XXXX XXXXXXXX XXXX I called the XXXX and gave the woman " XXXX '' the claim number, but she refused to tell me what this was regarding, told me that I'd be going to jail and good luck, then hung up on me. I called back and got someone different and she advised me that this was regarding a {$200.00} pay day loan from XXXX from Check n Go. She told me that I was being charged with Breach of Contract by failing to pay for the loan, defaulting on a loan agreement, and defrauding a financial institution because my bank account closed. I went through XXXX XXXX and lost my job as well as had my bank account go into the XXXX XXXX because of the XXXX  that occurred. My ex was writing bad checks online using my information. She wouldn't listen to me, she told me I had to pay XXXX XXXX upfront and if I could not then they will be at my place of residence or employment tomorrow with court documents charging me with felonies out of Kentucky.
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 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
Product: Debt collection

XXXX profolio management has sent me numerous emails of missed payments, as of XXXX XXXX I have received a refund concerning this debt. Byte is associated with this debt collection, they are identified as an Invisalign company that straightens teeth, however my teeth were damaged as a result in which I received a refund, I have proof of my refund as well as confirmation emails from byte stating my refund. I have told XXXX profolio management of the matter in which they have still been reporting to my creditors that I have missed payments that has greatly affected my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017  Equifax took it upon themselves to reinstate a collection account which I had personally resolve the collection company through CFPB complaint #  XXXX  against  XXXX   XXXX   XXXX    XXXX   XXXX    resolve my complaint by notifying Equifax  credit reporting a gency to delete the collection because it was a merged file, the collection was deleted up until  XXXX / XXXX /  XXXX   which is the date Equifax states that they were contacted by   XXXX   XXXX    that the derogatory account belongs to me which contradicts prior actions of   XXXX   XXXX   who ordered Equifax to delete the collection because it contained incorrect identifying information.     Equifax also continual to report inquires on my credit report that do not belong to me, I have disputed this repeatedly only to have it gone unresolved. I last disputed the inquiries on  XXXX / XXXX / 2017 .
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a transaction for {$300.00}. The transaction went through. On XX/XX/XXXX I opened my Venmo account and it showed a message claiming " Your Venmo Account is Suspended ''. I reached out inquiring why my account was suspended and was told that there was a transaction that I had flagged as fraud ( I did not ). They told me they couldn't provide any verification that it was me, and that it was likely another person, so I should change my password, but that the case could take up to 10 days to resolve. After the 10 business days, I reached back out asking why it hadn't been resolved and was told that I needed to reach out to the Accounts team. The Accounts team instructed me to send a photo of my ID and myself holding it, which I sent on XXXX. They instructed me to change my password, which I did. This operation signed out my Venmo from all of my devices, and I was met with an OAuth2.0 error related to a Venmo outage that was not disclosed to users and has no remediation date. I have now not had access to my funds ( I have about {$300.00} in my account, and have sent {$300.00} in the flagged transaction ) in almost two months. Venmo has not given me any expectation of when this problem or my Account suspension will be remediated, and has not provided any updates outside of me reaching out.
Product: Debt collection

Beginning of 2024, I receive a letter in the mail about a debt. I called the debt collector and ask them about the debt, because I do not recognize it. The debt collector tells me that the statute of limitations has lapsed, and I don't need to worry about the debt. I ask them to confirm that no action is needed on my part, and they give me a phone number to contact for a firm that gives advice regarding this information. 

I called that phone number, and the person on the other line confirmed that the statute of limitations has passed, and there is nothing I need to do. 

In the summer, the debt collector begins to call me non-stop again. In XXXX, I answer the phone, and a different person answers this time. I explain to her that someone from her company told me I don't need to do anything and the statute of limitations has passed, and she insists that I have this debt and I need to pay it. I tell her I don't know what the debt is for, and she hangs up the phone on me. XXXX days later, I receive a letter in the mail saying " we have received your dispute regarding the validity of the above-referenced account '' accompanies with verification of debt. 

The letter has no information about how I dispute the debt, nor does it have a time frame in which I must do so.
Product: Vehicle loan or lease

National credit system this is not mine someone use my identity and received this lease under my name I need it of my credit I deman it of my credit.
Product: Money transfers

Note : This is a Virtual Currency complaint. 
Today I received an email notice from PayPal about an update to their User Agreement. I do not have an issue with the content of the notice, but as you can see from the attached screenshot, the color of the text is a light gray which makes it difficult to read. This can ONLY be done with the intent to discourage people from reading the document, which may constitute fraud.
Product: Credit card

I just received my XXXX invoice for a credit card I do n't even know how I signed up for it. I called Paypal and they informed me that because I gave them me my last XXXX digits of my SS # during a purchase that It automatically signed me up for this card. I have never received a card. I did not sign up for this card and would not sign up for this card. The interest rate on this card is 19.99 %. I have a extremely high credit score and would have never agreed to that rate. I have a debit card and a credit card link to my account on eBay. I always assumed the Paypal credit option on the list was just for advertisement purposes. In 2015 it should be impossible to unknowingly sign up for a credit card. I feel like Paypal is very deceitful and not using ethical business practices.
Product: Money transfer, virtual currency, or money service

I received a call from My banking institution XXXX Bank of America ) on XX/XX/2022 from the fraud department regarding an illegal XXXX transaction made on my account. The fraud caller was impersonating a BofA representative and instructed me to send a transfer of {$3300.00} to myself in order to prevent the XXXX transfer from occurring and leaving my account. I received several text messages asking me to verify my BofA account while on the phone with the scammer. I thought what I was doing was legit at the time and proceeded to make the XXXX transaction by sending it to myself. The scammer even gave me his employee ID number as I continued to believe the caller was legit. After completing the transfer of {$3300.00}, The same scammer told me that someone was sending me a payment of {$7000.00} and that I needed to reverse the transaction by sending a payment of {$7000.00} using my savings account. Because I did not have the {$7000.00} in that account I began to ask questions as the caller began to ask me for my debit card number and PIN code. I began to get suspicious of him then the caller placed me on hold for roughly 30-45 minutes, once he returned on the phone, he said '' your account is being investigated by the Police, no further action is needed ''. That was the end of the call, now im completely out of {$3300.00}. I have filed a claim with BofA, however they denied my claim and Im not sure why. Please help!!
Product: Debt collection

I am writing to file a formal complaint and dispute regarding an account allegedly held by Tempoe LLC, which is currently being managed by XXXX XXXX XXXX and reported to the credit bureaus by XXXX XXXX XXXX. 

I first became aware of this account when I reviewed my credit report, as I have no recollection of ever having entered into a lease or credit agreement with Tempoe LLC. Upon noticing this on my report, I immediately reached out to XXXX XXXX XXXX for clarification. They, in turn, directed me to XXXX XXXX XXXX, who is apparently managing the debt. 

As part of my dispute, I requested a debt validation from XXXX XXXX XXXX. The documents they provided, which I have attached for your reference, do not contain any signature, identification, or any form of proof that I ever consented to or authorized this account. The validation documentation lacks any evidence of my agreement to this debt. 

Furthermore, I would like to bring to your attention the consent order issued by the Consumer Financial Protection Bureau against Tempoe LLC. This order permanently bans Tempoe LLC from offering or providing consumer leases and requires them to release all consumers from their existing lease agreements without further financial obligation. This order should logically encompass the account being reported in my name. 

Despite providing XXXX XXXX XXXX and XXXX XXXX XXXX with the aforementioned court order and disputing the legitimacy of this account due to the lack of proper validation, both companies have failed to take any action to remove this account from my credit report. This inaction has caused undue harm to my credit, and I believe it is in direct violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

As such, I am requesting the following : Immediate removal of this account from all credit reports : Due to the lack of proper debt validation and the application of the CFPBs consent order against Tempoe LLC, this account should not be reported. 

Investigation of XXXX XXXX XXXX and XXXX XXXX XXXX : Both companies have refused to remove the account from my credit report despite being presented with the lack of validation and the CFPBs enforcement order against Tempoe LLC. 

Appropriate penalties or corrective actions : I request that the CFPB ensure that both XXXX XXXX XXXX and XXXX XXXX XXXX are held accountable for their failure to act in accordance with consumer protection laws and the court order. 

I have attached all relevant documentation, including the consent order from the CFPB, the correspondence from XXXX XXXX XXXX, and the debt validation documents ( which do not contain any signature or evidence of my consent ). 

I would appreciate your swift attention to this matter, as it continues to impact my financial standing. If any further information is needed, please feel free to contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I work for XXXX  and I wanted payroll direct deposit with my Bank PNC. Unfortunately, everytime I try to use the XXXX App to initiate the direct deposit, PNC rejected. I call them and they told me that I have to do the old fashion way thru routing number and accounting. XXXX does not use it. Dear CFPB, Could you tell me bank to stop blocking XXXX from depositing my payroll check into my account. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed you a letter disputing 2 accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed.

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A. 

I have enclosed the original letter Outlining the disputed accounts. 

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OVER XXXX XXXX LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 2019