23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting

Trans Union will not provide me with my free annual report. Additionally I am unemployed and will be seeking employment in the next 60 days. There is no selection process for ordering a free credit report based on this consumer right. 
I was able to receive both my XXXX & XXXX reports free via internet but Trans Union will not provide my report. 
Please help. Thank you.
Product: Mortgage

For starters I have a co-borrower on the mortgage. The loan was sold from the company that we started with to loancare. My co-borrower had a previous loan with loan care that caused the account he signed up with not to show the correct loan for payment. It took loancare over a month to fix the account so we could make payments on the loan. With the first payment it was unable to process and we were not notified of this for over 2 weeks which make the payment even later. They also included a late fee even though they said we had 60 days to get this all sorted out. On the second payment it yet again failed to process and we were not notified of this until after it was already reported to the credit bureaus as over 30 days late on XX/XX/XXXX. Their own webpage before this had said the payment was sent before the 30 days the late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Checking or savings account

XXXX online savings XXXX  Savings account will not let me close or withdrawal but verbally and in writing they reiterate over and over that you can. They go through great pains to pretend you can, but the money never shows up in ACH transactions or it arrives and pulls out the next day and the bank goes into negative debit. They are charging a maintenance fee of XXXX usd a month and its been a year and a half of them whittling me down with nickle and dime taxation. Originally I put in XXXX USD I think.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX The credit bureaus stated Account : XXXX XXXXXXXX ( acc # : XXXX ) was properly investigated but how is that possible if the last payment is inaccurate, the date last reported is inaccurate, last payment inaccurate, date closed is inaccurate and times 30/60/90 days late is inaccurate. Payment status is inaccurate. This ground for Removal. 

They also violated my rights under 15 U.S.C 1681 Section 604A Section 2 : The law Clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law Clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ) : The Law clearly states if the item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
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. 

XXXX XXXX  account XXXX XXXX  Was reported as a charge off, but is still reporting late payments. 
This is a violation of my credit reporting rights Iv ask for investigation on this matter more than twice and its still reporting on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Over the course of 4 days someone attempted to open several credit cards in my name. I contacted the specific financial institutions as well as the credit bureaus showing the inquiries so I could have the fraud hard hits removed from my report. 

Transunion is a complete mess. Over the course of the process I've talked with 5 different people, each giving me a different process to follow to get the inquires removed. Ultimately they want me to file a report with identitytheft.gov ( which I have done ) and mail that report in along with either a copy of my drivers license or social security card. Sending either of those documents by mail seems to be grossly irresponsible! While the other bureaus allow for this information to be uploaded on their website, the function doesn't work for Transunion. To make matters worse, from the time I mail the information they say it can take up to 90 days to correct it! 90 days with my credit score being negatively impacted by a company being run like it's 1975. 

For such a critical service to be run so poorly seems to demonstrate a complete lack of leadership within the organization and equally a complete lack of regulatory oversight.
Product: Mortgage

XXXX   XXXX   XXXX   XXXX   XXXX  s agent,   XXXX   XXXX   XXXX        XXXX , and  Nationstar  egregious and unconscionable conduct has been reminiscent of the  XXXX  scandal.   XXXX   XXXX   XXXX   XXXX   's agents have chosen to cover up their wrongs and self-correct opposed to letting the judicial system work.        XXXX   XXXX   XXXX    and  XXXX  scheduled a foreclosure sale on my property after accelerating the note ;  XXXX  was conveyed a Trustee 's Deed ;  XXXX  was awarded Judgment of Possession ; I 've adversely possessed the property after the execution of the Trustee 's Deed ; I filed suit to reverse the invalid sale and stop post-foreclosure eviction which is currently pending,  XXXX  secretly sought to rescind the sale without authority and during the pendency of the lawsuit ;   XXXX   XXXX    XXXX  secretly sought to reinstate the loan during the pendency of the lawsuit after the foreclosure sale and transferred the secretly reinstated loan to Nationstar to collect.     I have filed ov er 70 complaints with the CFPB, the governmental agency that oversees these servicers. My complaint history starting in 2014 documents the Bank 's agents reprehensible conduct. Notwithstanding, there h as only been subsequent acts of deceitfulness, trickery, and fraud after each complaint filed. Understandably the CFPB ca n't advocate on my behalf, but this is good source for documenting the fraud and ensuring the government has  an audit trail o f the consipracy.     I will be filing grievances with the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  against  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX   XXXX . These attorneys have lied to the Courts, filed  Court  motions and pleadings with lies embedded ; have concealed information from the Courts such as the alleged Rescission, and has filed affidavits to support the conspiracy. These Officers of th e Court  has violated the Texas ethics rules governing attorneys ' behavior. Attorneys should advocate for their clients, but lying is unethical.     The transcripts and docket entries from  the County, State, and Federal Courts, CF PB records, and other agency 's records will substantiate my claims.
Product: Credit card or prepaid card

I called Chase on XXXX/XXXX/XXXX at XXXX XXXX time to close my credit card account. After a 45 minute phone call, talking to numerous departments and supervisor, they refuse to close the account. Even though they say the account is closed, they will continue to accept charges on the account that I am liable for. The account is not closed if they continue to allow activity on the account. 

They say that this is for recurring charges, with a prior authorization. They say that a contract is in place with the vendor they must honor. However, I never signed a contract with any vendors authorizing them to charge my credit card indefinitely. Chase refuses to honor the contract I have with them as their customer to permanently close my account.
Product: Debt collection

I have repeadetly told Synchrony Bank to stop calling my home phone and they have not stopped ... I even sent a letter to them. Also instructed them to send me a bill and they have not done that. I will pay when I get the bill. 

NOTE : I was instructed by Synchrony Bank to remove the Cease and Desist from my account so they can send me a bill.
Product: Checking or savings account

On Sunday XXXX XXXX 2017 I walked into a TD Bank in XXXX N.J. to deposit a check that I was suspicious about its authenticity.The funds were sent to me by someone posing to buy something from me online and I was sent the movers money as well to pass on. I informed the teller that I was suspicious about the check and wanted to know when I can be sure the check was authentic before using the funds. The teller informed me that the check will take 2 days to clear and by Tuesday I should check to see if its still pending. Once the check is n't pending and the funds have been added to the account I can be sure the check was legit and cleared. I deposited part of the check and cashed the remainder and waited till Tuesday to use the funds.On Tuesday morning I checked and the check was no longer pending and the funds were safely in my account. I took the funds and sent them to the supposed mover. On Wednesday, I see that the amount for the check had been taken out of my account. Upon contacting the bank I was informed that the check had insufficient funds and the bank took out money from my account in the amount of the check.Basically I had been scammed.
I was shocked as I had suspected this may have been the case and deliberately asked the bank how to proceed.I followed the exact instructions given to me by the bank. The bank refuses to take any responsibility and insists that its my issue. How can I protect my own money when the bank helps the scammers and could care less about their own costumers? How was I to know not to trust the bank teller? How come there 's no laws protecting consumers from the banks mistakes?
I went back to the bank and videoed myself asking the bank teller the question again.I asked the question to 3 different tellers, receiving the identical answer. They assured me I have nothing to worry about once the check clears and funds have been permanently added to the account. I tried to enclose the video below, however the size was too big to upload. I 'm going to attempt to post it online wherever possible, in an attempt for the truth to get out, if there 's still someone left with some sort of honest conscious, someone who realizes there 's more to life than getting away with someone else 's money.
Its frightening to see how little the bank cares about you, the very institution who you trust your money with and is supposed to be helping you.Its 2017, and our country has laws protecting animals, plants, and ancient buildings, but cant get they 're act together to help people being bullied and taken advantage of by financial institutions. And lastly, its sad to see how when the bank helps lose your money, no one gives a XXXX, but if the bank loses a dime, they 'll turn the world over. Its time for either a class action lawsuit or a politician that actually cares to make noise and put an end to this.
Product: Money transfers

On XXXX/XXXX/15 I went to the XXXX XXXX XXXX and download the venmo app so that a friend could send me money. after I downloaded the app I link my XXXX XXXX XXXX account to the venmo account and successfully verified it by following the venmo procedures. To do this Venmo deposited {$0.00} and {$0.00} into my bank and withdraw it back out. So I transfer the {$250.00} my friend had sent me to my bank. venmo even sent me a notice saying my transfer was complete and the funds would arrive on the XXXX. The next day I look at venmo and see a notice saying my transfer had been cancelled and that the funds have been returned to my venmo but my balance was still XXXX dollars. The funds were n't in my bank either. So I wait to the XXXX to see if they would show up in my bank and they did n't. since then I 've sent about XXXX emails to XXXXXXXXXXXX and spent 10 days scouring the internet trying to find a number for this company. Instead I find a whole bunch of people who have been robbed and scammed out of their money just like me. I found these people on gethuman.com and on the venmo XXXX page. Some lost thousands some lost hundreds. I 'm attaching screenshots to prove everything I say but these are just a few others out of hundreds I found. Also I found another app square cash that 's also owned by paypal just like venmo and both companies are robbin people XXXX. I did eventually find a number XXXX and I left XXXX voicemails since Monday but no one has called me back and no one has responded to my emails except for the automated system saying that they receive my complaint and will check into it. I did get XXXX response say my account needed attention from another teen but they could n't provide me any more information. I just want my {$250.00} set to my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has had a major data breach which released potentially 143 Million people 's personal credit and financial data to a person or group of hackers, in an unencrypted, plaintext format. Checking on their own " are you affected '' site ( https : //www.equifaxsecurity2017.com ), it states that I may be affected by the breach. They then offer an Identity protection service, of which they mandate that you opt out of any potential future legal action in the terms of service. 

Also, when attempting to check what data they had through XXXX, I was told their " system was down for maintenance '' and I could not access that Federally Mandated data. I have already submitted a complaint about that to the XXXX contact page. 

Now my data is exposed, in plaintext, for sale to the highest bidder on the darkweb, and I ca n't even access the data that supposedly the hackers got, much less are guaranteed any kind of security in the future.
Product: Student loan

Sallie Mae is charging me outrageous interest rates up to 10 % for private student loan for my XXXX XXXX completed in XXXX  I am currently earning less than {$25000.00} per year in revenue and they will not come up with any flexible payment options. I am having to pay {$470.00} a month or my credit will suffer as well as my moms who is the co-signer. My mom is also out of XXXX They offer no forbearance, no reduced rates absolutely nothing zero resources. Please help me I can not continue to pay these outrageous payments. These people harass myself and my family nearly day and night with calls, emails and texts it is absolutely unbearable.
Product: Money transfer, virtual currency, or money service

Company : Squareup.com Set up business account XX/XX/XXXX - I am an interior designer with large transactions for furnishings These charge are all for the same client furnishing a new home XX/XX/24 ran charges on clients visa {$15000.00} XX/XX/24 charged XXXX {$10000.00} XX/XX/24 XXXX {$7500.00} all payments accepted - received notice money would not be sent to my bank account until further questions were resolved. I answered all question and it stated the funds would be released. 
so I ran more charges XX/XX/24 XXXX {$9900.00} no funds released so I called XXXX They gave me a case # XXXX said it would be released and I would also receive a call from the account manage team. no funds, more charges were run based on being told this would be resolved in 24 hours XX/XX/24 XXXX {$11000.00} XX/XX/24 visa {$1100.00} XX/XX/24 called again XXXX - given same runaround - funds would be released and I would receive a call in 24 hours. 
XXXX has over {$54000.00} of my business funds they have not released.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 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: Checking or savings account

I closed my account with PNC bank in the branch but they kept it open. Now I got letters requesting me to pay almost {$50.00} on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Recording act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account : # XXXX XXXX XXXXXXXX XXXX, # XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681 C. ( 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. 1681 s-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

In accordance with the Fair Credit Reporting act XXXX account # ( XXXX creditor. ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 instruction.