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

YOUR COMPLAINT To whom it may concern Transunion, XXXX, XXXX The following inquiries were not authorized by me please delete them I have never XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instruction I never given my permission for a company to inquire about my credit states any inquiries made are unauthorized the presences of these inquiries on my credit report constitutes inaccurate information which under the fair credit reporting act must be removed once your investigation is completed please send me a copy of my updated credit report. I am a victim of Identity theft and the accounts listed below were established without my consent. I have enclosed a copy of my police report as proof that I have been a victim of fraud and I am Disputing these accounts understand that it is your responsibility to insure maximum accuracy in according to the fair and accurate credit transaction act all Fraudulent accounts must be deleted by a police report I demand that you remove these fraudulent accounts have hurt my ability to obtain any credit. Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXX XXXX XXXX, XXXX XXXX XXXX. account number # XXXX. XXXX XXXX account number : XXXX XXXX  account number XXXX. XXXX XXXX XXXX XXXX account number : XXXX number # XXXX XXXX  XXXX XXXX, XXXX. account number # XXXX. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

Last year, Chase publicly advertised an offer where one could open a personal checking and savings account, meet the requirements, and receive a {$900.00} bonus. I received the offer email from Chase and opened both accounts through the email 's link on XX/XX/XXXX. 

Subsequently, I fulfilled the bonus requirements : 1. On XX/XX/XXXX, my employer deposited my paycheck into the checking account. 
2. On XX/XX/XXXX, I transferred {$15000.00} into the savings account. 

On XX/XX/XXXX, I contacted customer support and learned that the coupon code was not applied to my account, despite opening the accounts through the offer email. Unfortunately, they were unable to assist me. 

I possess the original email and coupon code as evidence. I am now reaching out to the Consumer Financial Protection Bureau ( CFPB ) for a fair resolution.
Product: Debt collection

I had previously a XXXX credit card and it has been discharged even in the credit bureau.All of a sudden port folio recovery shows up in my credit report saying the account was opened XX/XX/2019 and I owe them {$1100.00} and I had no knowledge of this. They buy charged off accounts to recoup much more money than originally owed. I live on social security and I want pay this because XXXX  closed this account and they were satisfied and they reported that to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$100.00} XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$89.00} XXXX XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$310.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

My pay history and balance if reporting in error. I do not have a past due amount and I have never been late in the month of XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Experian credit reports include debt collection that does not belong to me. And refuse to remove unwarranted collections from my name. In my " credit overview '' it breaks the score into XXXX aspects. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My report says all XXXX aspects are either good or fair. And the fact that the ALGORITHM used to determine this " score '' is not CONSUMER ENTITLED INFORMATION to review for imparities IS UNFAIR TO CONSUMERS.
Product: Debt collection

I received a letter ( dated XX/XX/2021 ) from IC System stating that I owed {$270.00} to XXXX, who is both the original and current creditor to whom the alleged debt is owed ( lanuguage from the letter that was sent ). I immediately sent out a debt validation letter by way of certified mail with return receipt ( tracking # XXXX with RR # XXXX ). I have attached copies of confirmation of certified mail receipt. I never received a response back. I have studied the FDCPA and it says under the FDCPA, the debt collector must respond if a consumer disputes the alleged debt in writing. I have attached the exact same letter that I sent to IC System detailing very specific documentation of the validation of the alleged debt. I sent a follow-up debt validation letter to IC System on XX/XX/2021. It was received XX/XX/2021. IC System then sent another debt collector notice with a COMPLETELY different amount ( {$370.00} ) stating that I now owed {$370.00} and they sent copies of a printed out bill as verification of the alleged debt. Under the FDCPA, a printed bill is not sufficient validation of an alleged debt. They did not provide the documentation I requested including a contract with my written signature and they PUT A NEGATIVE REMARK ON MY CREDIT FILE EVEN AFTER I EXPRESSED THEM NOT TO IN MY DEBT VALIDATION LETTERS.

In the follow up debt validation letter I sent I pointed out that IC System, INC is NOT licensed to collect on debt in my state of residence. Under Illinois law, debt collectors have to be licensed with the Department of Financial and Professional Regulation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violat the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to t timely and effective measures to prevent address fraud on their platform, leaving n account vulnerable and unprotected.

Furthermore, their dispute resolution pro was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience al financial loss, and I seek appropriate readdress of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letter to Transworld on XX/XX/2021 Transworld has ignored me and refuses to remove the unverified account they put on my credit reports.
Product: Credit card or prepaid card

Issue with XXXX XXXX  purchase. Contacted XXXX XXXX and they informed me they would refund me {$33.00} for shipping and taxes, therefore I canceled my dispute with CitiBank. Prior to canceling the dispute, I reached out to citi credit card chat services and verified that if I canceled I could re-open and they informed me that I could. I canceled the dispute, however XXXX XXXX never refunded me as promised. I then attempted to reopen the dispute with my citi card, however each citi representative that I speak with, inform me that they will reopen the dispute and that I will see an update in 3-5 business days, but after waiting and checking I am not seeing any difference or refund. Each time that I call or chat with citi to follow up on the reopened dispute, they inform me that there isnt a history of the dispute being re-open, and that they will have an investigator contact me for additional information, but I havent been contacted by anyone. I attempted to re-open the dispute around XX/XX/2019 and have since then been trying to get it re-open and refunded since XXXX XXXX failed on their promise.
Product: Debt collection

I paid a medical Debt off in full that went to collections on XX/XX/2020. When I paid the debt the agent told me it would process in 30 days and reflect on my credit as such. I waited until XX/XX/XXXX to contract them again and at that time they informed me that they wouldnt be reporting recent payoff and when I asked for a manager I was hung up on. I want the account closed on my credit.
Product: Checking or savings account

URGENT! MY MARCUS ACCOUNT IS FROZEN I transferred my funds from XXXX XXXX and XXXX Bank to Marcus by Goldman Sachs. Shortly thereafter, I entered into escrow to buy a home. Now, Marcus has frozen my account with {$260000.00} in it. 

Marcus says they won't release ANY of my funds until they can verify the account ownership of my XXXX XXXX  account ( which is now closed ) where SOME of my funds came from. They verified ownership of my XXXX Account where the rest of my funds came from, but they won't give me access to those funds either. 

XXXX Bank is in the middle of a merger or reorganization and can't be reached by phone due to 100 plus minute wait times that never get shorter. I have spent hours on the phone with Marcus. 

Marcus said they could also verify ownership of my former XXXXXXXX XXXX account by a copy of an account statement, but it had to be sent by mail. 

I sent them a copy of my XXXX bank statement by XXXX Mail XXXX. According to the tracking number XXXX it is " ready for pick up '' but no one at Marcus can guarantee that my funds will be available to wire in time for my escrow close. Meanwhile, I need immediate access to these funds in order to fulfill my escrow obligations or I may lose out on my purchase and forfeit my {$21000.00} deposit. 

Please help. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted this company first on  XXXX   XXXX  and was informed that they ca n't mail reports and they can only email them within  15 to  21 days from the date. I contacted them again late  XXXX  to be informed that they emailed it to me late  XXXX  and I should have received it. I am confident that no report was sent. They claimed again that they will investigate and email another report within  3 wee ks.I informed them that based on other customers complainants who after months could n't get a clear answer or a report from them to mail it and if I can get a reference number ... they declined and provided this number ID  XXXX  stating that this is the only way to look up my file. Again today late  XXXX  ... still have n't received anything from them. Called and informed them to mail it to me, to my surprise ... they stated that a supervisor will call me back ... still waiting on the report. This company is fraudulent
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX. And Account # XXXX XXXX has violated my rights 15 U.S. C 1681 section 602 A States I have the right to privacy it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have not been able to access my credit report from Equifax since XXXX of 2024. I can't access it online, I can't access it over the phone, and Equifax has never responded to my request for a report or my disputes. I sent out a letter in XXXX of 2024 and have yet to hear a response. Despite being sent all of the appropriate documents they still refuse my right to free and fair consumer report. 

Equifax refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. Equifax has bankruptcies on my report that is attached to an address that does not belong to me which again is a violation of 15 USC 1681.

Equifax also has a third party collections account that does not belong to me from XXXX XXXX XXXX. Third party collections violate the following : FCRA 611 ( 15 U.S.C. 1681i ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the collection account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. If the furnisher can not provide verification within 30 days, it must be deleted.

FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information such as collection accounts must be removed from a credit report. If this collection account is older than the allowed reporting time frame, it should be removed.

FDCPA 807 ( 15 U.S.C. 1692e ) ** : The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision.

Unverifiable Debt : If the credit reporting agency and the collection agency can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion.

Equifax also has 3 bankruptcies attached to an address that is not mine reporting. These bankruptcies need to be removed as well. Equifax received their information from public records without checking the accuracy the accounts which I know because the courthouse that is listed does not share information with the credit bureaus as shown in the attachment. These are all violations of 15 USC 1681 and Sections 609 & 623 of the FCRA.
Product: Debt collection

I received an email demanding payment or I will be taken to court. They have my social security #.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX ( XXXX ) XXXX XXXX XX/XX/year> Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, which I obtained from your agency. Under **15 U.S.C. 1681 ( o ) **, I am entitled to dispute inaccuracies and request that you promptly investigate the matter. 

The specific item ( XXXX ) I am disputing XXXX listed below : **Disputed Information : ** - **Account Name : ** [ Insert name of creditor or entity reporting ] - **Account Number : ** [ Insert account number ] - **Description of the Discrepancy : ** [ Explain the issue e.g., account reported as late when it was paid on time, account marked as open when it was closed, etc. ] I have enclosed relevant documentation that supports my dispute, including [ e.g., payment records, account statements, correspondence with the creditor, etc. ], which show that the information reported is inaccurate or incomplete. 

As required by law, I request that you investigate this matter and correct or remove the inaccurate information from my credit report within 30 days. I also request that you notify me of the results of your investigation. 

Please confirm receipt of this dispute and provide me with updates on the status of the investigation. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution.
Product: Credit card or prepaid card

In early XX/XX/2023, I opened a Marriott Bonvoy Boundless card through Chase bank. The terms of the promotion ( as with many loyalty credit cards ) was to receive a certain amount of points in my Marriott Bonvoy account ( XXXX after spending over {$3000.00} in the first 3 months ) as well as {$250.00} eGift card which I never received. I have went round and round with both Marriott and Chase on trying to resolve this with no success. I was diligent about capturing the Credit Card Offer details when I signed up online and applied for the card. I was sure to even read the credit card details and save a screen print on my computer to ensure that I knew what the terms of the promotion were in addition to hold Chase and Marriott accountable to them once I met the terms for which I have completed as stated in the agreement. As it stands now I have NOT received 50,000 points in my Bonvoy account and there has not be a {$250.00} eGift card issued. I did communicate that I would be happy with a {$250.00} statement credit as well. I am very upset at Chase and consider these tactics to be Deceptive and Bait and Switch tactics since this agreement was very clear and in writing. I will be happy to upload the agreement as well as any supporting documents. If Chase does not resolve to to align with the terms of the agreement that I agreed upon when opening the card then I will open a complaint with XXXX as well withdrawing all funds from Chase and moving to another bank. I will make this experience very well known all over Social Media. There are many that have fallen victim to Deceptive practices of this and are complaining about the same thing. There are many complaints of deceptive and Bait and Switch tactics on applying for this card online.
Product: Mortgage

In XXXX, XXXX, XXXX sold my HELOC to Green Tree. Starting in XXXX, XXXX, I have had nothing but trouble with them. First, they told me I 'd missed the first payment and that I had a balance from XXXX that was sent over with my account. A manager at XXXX ( I wish I could remember his name ) had me on the phone while he tried to call management at XXXX XXXX to tell them that, in fact, I did not have a balance. All XXXX times, he got voicemail, all XXXX messages went unanswered. 

Over the years, GT has said I am in arrears, they have charged me a small fortune in late fees, that I do NOT owe, charged me for some Corporate fee they say was sent over from XXXX. XXXX reversed that charge in XXXX. 

About a month ago I get a veiled threat on my monthly statement that if I do n't pay up, they can exercise their right and seize my property ... over less than {$700.00} that I do not owe! 

A few weeks ago I called, again, to dispute these charges. I spoke with XXXX in the collections department. I kept insisting I do not owe this money. At THAT time, I told her I pay, and have paid, this account in the same fashion, on the same date, since its inception. She stated that I was fine until XXXX XXXX. When I asked what happened in XXXX of XXXX, she could n't tell me! 

When I called again a couple of weeks ago, I spoke with her, again. She stated that I missed the XXXX XXXX payment and made a double payment in XXXX. She stated I also missed XXXX XXXX payment but did n't catch up. I have my Bill Pay records to prove differently. All payments have been made, on time, to Green Tree. All the while they have been telling me, and charging me, I am a month in arrears. 

Today I sent certified letters to both of their locations in XXXX and XXXX. I enclosed copies of my Bill Pay records and the statement from XXXX that the {$40.00} fee had been reversed. I told them I expect a corrected statement of my account within 10 business days of receipt of my letter. 

I do not have great faith these sleazy crooks are going to back off any time soon. I did some further research and found that you, and the XXXX, took them to task and in XXXX of this year, they were fined and guidelines they are to follow, laid out. 

I am here to tell you, they are still practicing their dishonest protocol and I am reaching out to you for support.