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

I am filing a complaint against TransUnion for unauthorized credit inquiries on my credit report. Specifically, the inquiries from XXXX XXXX and XXXX on XX/XX/year>, were not authorized by me. Despite disputing these inquiries directly with TransUnion, they have refused to remove them. 

This action violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681i ( a ) : Requires consumer reporting agencies to investigate disputes regarding the accuracy of information on a consumers credit report, typically within 30 days.

15 U.S.C. 1681b : Defines permissible purposes for accessing consumer credit reports, none of which include unauthorized inquiries.

15 U.S.C. 1681s-2 ( a ) : Obligates furnishers of information ( like TransUnion ) to ensure the accuracy and integrity of the data they provide.

These unauthorized inquiries are adversely affecting my credit score and financial well-being. By refusing to remove these inquiries, TransUnion is not only neglecting its duty under the FCRA to maintain accurate and authorized information but is also infringing upon my consumer rights. 

I request the FTC to investigate this matter and ensure that TransUnion complies with the FCRA by : Removing the unauthorized inquiries from my credit report. 
Implementing measures to prevent future unauthorized inquiries. 
Providing assurance that TransUnion adheres to all relevant provisions of the FCRA to protect consumer rights.
Product: Debt collection

XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XXXX/XXXX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that XXXX XXXX Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, HSBC . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places XXXX XXXX in a positon to be fined and sued. 


Finally, I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.
Product: Checking or savings account

I open my account with XXXX XXXX XXXX  back in XX/XX/XXXX-XX/XX/XXXX, in XX/XX/XXXX I tried to use my ATM card and I was notified that my transaction was declined, I went to XXXX XXXX XXXX  and they told me there is garnishment for some apartment company that has garnished my account and my account has been froze, I asked to provide me with the information of the company who garnished it, they told me that they will sent me those information to me when they get it from corporate office, as of today XX/XX/XXXX I still have not received any information regarding this, since then XXXX XXXX was purchased by Capital One Bank and I have gone to XXXX XXXX branch 2 times to close this account and I have been unsuccessful and last time I was in that bank they gave me number for the company that supposedly garnished my account and that number did not work. for years I have been receiving my statement showing they are charging my account monthly service charge fees and i am not able to get my money from XXXX till now to be withdraw, i received letter back in XX/XX/XXXX stating I have not used my account in last 3 years and either go to office withdraw or sign and sent attached documents which I did both and again they run me around, since that letter I have been getting my statements and most recent statement is from XX/XX/XXXX till XX/XX/XXXX still showing service charge fee and my money continue being reduced since year XXXX and now shows that i have {$830.00}. 
it has been over 20 years, this bank has been taking money from my account, no documents has been provided to me regarding garnishment from year XXXX for any apartment leasing, i have owned my properties and paying mortgage since XXXX and current home that i reside is since XXXX, since XXXX I have bought 4 homes and never been any issue with getting loan ad any one of the telling me that there is garnishment against me. I am not sure why this bank continue lying and deceiving me but I need my money return from year XXXX with all interest that I earned from that time. 
I have attached all the documents that could find uploaded in this email
Product: Vehicle loan or lease

This is response to my previous complaints. XXXX, XXXX and XXXX. 

Agent for Bridgecrest Compliance has failed to account for the misappropriation of funds. Bridgecrest has not made one cash advancement. Agent has failed to answer who authorized an EFT of the monthly cash advancements that were entitled to the consumer. Bridgecrest has failed to return the collateral which is the collateral, She has failed to cancel the contract. Bridgecrest obtained the receivable under unfair and deceptive business practices. XXXX times Bridgecrest has converted instruments to their benefit. Please answer who authorized the XXXX EFT 's of the monthly payments of {$260.00}? What account were the funds deposited? Did Bridgecrest open another account in the consumer 's name? Where are the funds? Bridgecrest is a licensee of the gov and agreed with the gov to process consumer credit transactions according to the law. Bridgecrest is non compliant to that agreement which is also apart of the consumer credit transaction agreement.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit This creditor 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 n treat a payment on a credit card XXXX account under an open end consumer credit plan as late for any purpose. 

SANTANDER CONSUMER USA XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Affirm Promotion was for {$150.00} I received an email on XX/XX/24 regarding a promotion they were having. 
I follow all the instructions giving to receive the promotion. 
I summited a claim with them on XX/XX/24 informing them the promotion hasnt been applied They said it takes XXXX business days for them to respond to me by email. Today is XX/XX/24 and Ive called XXXX and re summited claims with no help. 
Ive ask to speak to the department and the supervisor refuses to give me information I also ask for a manager number and they refuse that also. 
Ive messaged them on the online chat and no respond. 
Ive tried everything but they cant honor what they offered and its false advertising when I could have use a point credit card to make the purchase but this deal was too good to pass. I will attach emails
Product: Debt collection

I am writing to express my extreme annoyance and frustration regarding the accounts on my credit report that I believe are inaccurate. I have already contacted your bureau regarding these accounts, and while they have acknowledged errors and removed them, your bureau has not provided any resolution. I demand that you conduct a thorough investigation into these accounts and remove them from my credit report as they are unverified and inaccurate. I want to reiterate that these accounts contain inaccuracies, and I have reason to believe that there is insufficient information to verify the debts. The other major credit bureaus have recognized this and taken the necessary steps to rectify the situation promptly. XXXX XXXX XXXX XXXX . I am perplexed as to why your bureau has not followed suit. Your bureau 's inaction is not only frustrating but also unacceptable. I urge you to comply with the same standards as your counterparts and rectify this matter immediately. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Payday loan, title loan, personal loan, or advance loan

I had taken a title loan out on my car around 2018. I had some left to pay on it but the XXXX  XXXX branches in Ohio all closed down. I dont have a number or way to contact them to get it resolved. The company that has the Lien on my title is integrity funding Ohio llc. As far as I can tell, that company doesnt exist. Theres no number to contact or email them. The website is for a completely different company. I just want to take care of this and pay them if I owe them and if I dont, I want my title released.
Product: Money transfer, virtual currency, or money service

Here is the exact email I sent to Coinbase to figure out where my {$1500.00} wire transfer is. It was completed by my bank on XX/XX/17 and I have still not yet received my funds. This is unacceptable and I believe your Bureau has had to deal with this many times : Hello, My name is XXXX XXXX XXXX. I sent a wire transfer on the date of XX/XX/2017 and have not received funds in my coinable/XXXX account. The wire was sent from a bank located in the United States for {$1500.00} and should be credited to my account already. I understand that your company has been struggling to keep up with these wires transfers but I've seen on XXXX forums that international users have gotten their wires deposited into their account in a few business days. It has been too long and I want to know where my funds are. I work closely with the office of the ombudsperson at the XXXX XXXX XXXX  and do not want to take this case to the next level. It would truly be a burden for the both of us. So if you could please look into the situation as soon as possible I would be more than grateful. If not, I will have to take legal action. 

Thank you, XXXX XXXX XXXX This was the first email. Ive sent multiple emails and only get automated responses about a specialist looking into it. But no results yet and it has been over a month. Ive emailed, called, and posted to forums many times but have not yet received my funds. I am a XXXX XXXX   and that money is very important to me to survive and be able to pay for school. I need it ASAP to cover
Product: Debt collection

I was reviewing my credit bureau reports and noticed many inaccuracies and items that I did not recognize. I contacted this company by mail on XX/XX/2016 asking them to provide documentation with my signature validating that this is indeed my debt. They have refused to provide documentation verifying the debt that they are trying to collect is mine. I have given them more than 30 days to get back to me. I reached back out to the credit bureaus and they instructed me to file a complaint with you all since the creditor will not respond to my communications, and is continuing to negatively report me to the credit bureaus with no documented proof. Attached is the letter that I sent over to them.
Product: Debt collection

I do not owe this debt. I joined a fitness club because i did not have to commit to a contract. I ceased using the services and paid the outstanding balance when i notified the club that I would no longer be using the service. It strikes the wrong cord when this creditor is reporting a balance owing when I had no contract with them. I request full validation from this company or the reporting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.
Product: Vehicle loan or lease

I purchased a vehicle with XXXX XXXX of XXXX, Louisiana under the impression that it had no mechanical problems. I had the car running for one month straight before problems start occurring with the transmission. I spend hundreds of dollars getting the car towed from one shop to another until the XXXX XXXX had a spot available. It was told to me from the make of the vehicle dealership that the transmission had previous transmission problems since the last owner and that was their reasoning for trading it in. I was presented this vehicle from the salesman under the impression that the vehicle was cleared with service. Before I drove off the lot with the vehicle I kept it in their possession for clearance with service an extra day and I was still lied to about the mechanical problems. I called and spoke with walker XXXX 's used car manager and he stated that he would give me a call back to see if there was a possible solution and I haven't heard anything back. I also contacted the finance company and they also knew that the car had computer system problems before they sold it to me. My contract has already been breached by default due to the salesman mixing a cash transaction with a credit consumer transaction. I traded in my old very reliable XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX XXXX  with a XXXX cash deposit totaling XXXX for my down payment. I would like every cent of my down payment back immediately as well as a resolution for cancelling the null and voided contract ASAP! A finance charge has nothing to do with a cash transaction per 16 USC 1635 as well as any interest payment and insurance as it is already included in the finance charge. I was not aware, told nor given time to fully read my contract. I was pressured to sign quickly although the sales manager also spelled my name incorrectly on documents that I still have a copy of and can provide.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous attempts to address the fraudulent items on my credit report. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and impacting my financial credibility. It is crucial that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. The following items thare are fraud should be remove right away : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance XXXX {$0.00} ; ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}.
Product: Checking or savings account

Hi, I have banked with Wells Fargo for over 30 years for business and personal and my business accounts continue to get hit with substantial fraud, and we are well over several hundreds of thousands of dollars and it might be over half a XXXX. I have been working with the bank since XXXX and I am getting no where. They initially debited back my account for some, but then stopped. We have closed the accounts and reopened new ones and it continues. In this process I have seen some serious internal control issues with Wells Fargo, including allowing the EXACT same ACH that was flagged as fraud approved and taken out of my account that was on the previously closed accounts. 

Their controls are so poor that they also allowed an ACH transaction that was fraudulent that was above my daily ACH limit by a large amount, so it should have never gone through based on the daily limit! 

I am going to lose my business any day now because of it as we dont have the cashflow and working capital to cover the fraud until its credited back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical bills reporting on my consumer report violates my privacy and violates hippa its against the law your putting in position of litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my free credit report from TransUnion back in XX/XX/2017. I reviewed my report for inaccuracies. I found a Public Record that is inaccurate. Back in XX/XX/2012, I filed for a personal XXXX which was granted and resolved in XX/XX/2013. My attorney for my bankruptcy case, whose office is in XXXX, Ohio, accidentally filed the case with the XXXX court system. I live in XXXX, Ohio, and the XXXX court system, having noted the filing error, promptly transferred the case to the XXXX court system via a " Order to Change Venue '' in XX/XX/2012. My bankruptcy case was processed and finalized in the XXXX, Ohio court system. In XX/XX/2017, I filed a dispute with TransUnion, indicating that the Public Record information on my credit report, indicating a bankruptcy in XXXX, Ohio, was incorrect. I received a mailed response from TransUnion on XX/XX/2017, which included an " Investigation Results Summary ''. TransUnion 's written response to me was that that XXXX  in XXXX, Ohio was verified as correct. I promptly phoned TransUnion, again disputing the error, and re-emphasized to the representative that the case had been transferred to XXXX from XXXX. I was told that the credit report error could be resolved if I could forward supporting documentation from the court indicating that the case had been transferred to XXXX. On XX/XX/2017, I faxed the court document ( " Order to Change Venue '' ) and instructions for corrections to TransUnion. OnXX/XX/2017, I received another written response from TransUnion, indicating that the credit report information had been updated [ " Information Updated '' ] ( see " Investigation Results Summary '' section ). However, the information is still wrong. Despite my forwarding requested documentation, the information was NOT updated and still shows a filing in XXXX, Ohio [ see " Item '' in " Investigation Results Summary '' section ]. On the same day, XX/XX/2017, I placed another phone call to TransUnion to find out what the problem is. They indicated that they would look into the problem and get back to me. I did not hear back from them. I waited until XX/XX/XXXX and followed up with TransUnion again, again without any answers. I have not heard from TransUnion since then. 

I telephoned the XXXX XXXX Court some time ago. They have NO corresponding court information relating to my XXXX case, nor do they have any of my personal data in their computer system. All pertinent information was sent to the XXXX courts, since my case was transferred. 

Incidentally, almost 5 years have passed since my bankruptcy was finalized. I have received credit reports from TransUnion in each of the last four years. In prior annual credit reports from TransUnion, I do not ever recall the wrong court system coming into play, except for this year, in my XXXX credit report from them. Also, I have had NO issues with this matter, EVER, with either of the two other credit reporting agencies, XXXX and XXXX. Both agencies report this bankruptcy on my credit report as being filed in XXXX, Ohio.
Product: Credit card

In continued felony retaliation for my complaining to federal regulators, Marlette Funding wont let me close my account- even though they berated me and screamed at me as a dirty animal because they falsely alleged I was being insolent to the superior XXXX XXXXace ( I never insulted the who XXXX  race- as falsely alleged by racist bank employees ). Nevertheless, because I have been treated like a subhuman dog because Im a person of XXXX - I want to close my account- and Marlette Funding wont let me. Marlette Funding is a XXXX hate group masquerading as a financial services company.
Product: Credit card

In XX/XX/year>, My personal information was compromised, and someone opened a account with Pay Pal Master card Synchrony bank. I had contacted them and said to them, I did not open a account. I asked the person from synchrony bank, how they got my information. They said a person opened the account and had all of my contact and Personal information. They said had called and open the account. I said, that I did not request a account from Synchrony Bank/ Pay pal Master card. I asked them to give me information on what I Purchased, I asked to speak with a American Speaking person. She said that I went to XXXX XXXX, and rented a Room, and went to the Vending Machines to buy Eyelashes, Candy and soda and items in the vending machine. I said that I never go to XXXX XXXX, and Rented a room, along with the vending machine purchases. I've been trying to Conclude this matter for over 4 years. I filed a report with the Police, and filled it out on line. this when I Lived in XXXX California. I turned over the Information with My Lawyer 's Secretary for help. I would like to conclude this Matter and have it Cleared from my Credit Reports. I have filled out Pay Pal Master card forms with there bank Synchrony. Please let me know, any further information is needed. My Email is XXXX. The accounts are XXXX XXXX. {$3900.00}, and acct # XXXX XXXX {$1700.00}. Please let me know, if any further information is needed. Thank You XXXX XXXX.