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

In XX/XX/XXXX, my identity was compromised. It started with my personal email being hacked. My personal XXXX XXXX XXXX account was compromised, my XXXX XXXX card, my XXXX XXXX card, my XXXX XXXX card, my XXXX  credit card, all of my store credit cards. There was a {$10000.00} XXXX  credit line opened in my name. I was able to get all of the above resolved without a problem. My credit was pulled to try to get preapproved for a mortgage about a month ago, on my credit report is a XXXX account that I have not used since XX/XX/XXXX. This account now has open from XX/XX/XXXX, as well as another XXXX credit line for {$2500.00} from XX/XX/XXXX. XXXX will not speak with me because all of the account information is now different. They transfer me to their fraud department and then I get hung up on, because I can not verify the new information. The address has been changed, the phone number has been changed. I've opened disputes with XXXX  and XXXX, but have not received any response. I can not reach a live person with Experian to file a dispute for both of the accounts from XXXX and XXXX  that are not valid.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. 

Thanking you in advance, BY : XXXX, XXXX FOR : XXXX XXXXPrincipal XXXX XXXX
Product: Checking or savings account

Please help! After being a loyal customer for over ten years, TD Bank suddenly decided to " demarket '' my account. They blocked my online banking so I can not transfer my funds. I need your help. They are railroading me. 

On XX/XX/21 XXXX XXXX, the store manager, told the Customer Service Representative, XXXX, that all I needed to do was come to the branch and my funds would be released in-person. XXXX even said I could go through the drive-through to pick up the funds. So, I did what I was told. I arrived at the bank at approximately XXXX and XXXX XXXX and her banking associate, made me wait for almost two hours. They did not see me until XXXX. They knew who I was. They treated me with disrespect and discrimination. I would not recommend this bank to anyone. XXXX XXXX should not be a manager. She treated me like a common thug. 

Finally, two hours later, XXXX XXXX says she does not know what I am talking about. She tells her partner to call the mysterious " Marketing Department ''. The associate calls and leaves a voicemail. A voicemail? Really. XXXX XXXX said the department must be closed. She is a liar. I read that they department does not answer phone calls. She says they will get back to them in 24-48 hours. But, they never indicated when they will get back to me? Nor did they answer any of my questions. They did not explain why my account was de-marketed. They did not even want to help me. I asked why XXXX told me that the money would available when I got to the bank? They had no response for me. They were rude, cold, and they did not help me. They did not care about my situation. XXXX XXXX needs to be replaced with a manager who actually cares about human beings. 

I have over 2500 $ -3000 $ in the account. They blocked my online banking so I can not see what the exact total is. Please help. TD Bank is horrible. After being with the bank for XXXX years, you think they would have the common courtesy to treat you with an iota of respect. They are thieves. 

I trust you will help me get my funds back.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 

However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been challenged and I got no answer back. I really trying to get this information up to date so that I can move forward with my financial journey 1. Date Of Last Activity reporting false and inaccurate data XXXX XXXX  Account Number : XXXX delete this account because the information is showing wrong data 2. disputes accounts status XXXX  Account Number : XXXX delete this account because it is reporting false data account is closed and should be gone 3. please validate as I believe you are in violation of my rights XXXX  XXXX  Account Number : XXXX delete this account because it is reporting unverified information - Send Proof - please send proof of proper investigation
Product: Credit card

I would like the assistance of CFPB in contacting Citibank Item 1 : I have been charged credit protector fees for several of my credit card accts. I have only received credit for those which I have brought to the attention of CFPB. I have never received credit for my account am I referencing on this complaint. 
Item 2 In 2015 I paid Citibank on account {$9500.00}, I only had charges totaling {$1400.00} see attached information is taken directly from Citibank st my statement. They gave me a credit but kept my overpayment. I am asking for an immediate explanation. I have called XXXX XXXX several times. She does not answer the phone. She sent a bunch of old statements but my overpayment and some of my credit protector refunds are st still pending. They only gave me credit for accounts I requested. They did not give me credits for all accounts in my name. 
I hope that they read what I have written and reach a conclusion. 
Citibank has partially cooperated since CFPB has gotten involved with my account.
Product: Credit card

I have an inquiry on my credit report from First Progress that is inaccurate, unfair and violations of the consumer credit laws.First Progress has sold this alleged debt to a nonaffiliated third party without my consent.First Progress has also illegally charged off this alleged debt without sending me a 1099c statement and even though the account has already been closed and wrote off by their corporation, my credit report still shows a balance which is unlawful as well since the alleged debt has been wrote/charged off.These above acts are inaccurate and unfair practices by consumer law
Product: Debt collection

On Thursday, XX/XX/19, I received a note in my door to call a telephone number within 24 hours re : needing to be served legal documents. 
I called the number and left 4 voice mail messages. When the process server responded, he was rude - we set up a time for today at XXXX XXXX here at my house for me to receive said papers. It's now XXXX XXXX   and this person has not showed up. I left another voice mail message to schedule a time to meet at our local police department tomorrow between XXXX XXXX  and XXXX XXXX. 
I XXXX what this could possibly be for as I know of no unpaid debts. 
This directed me to review my credit report, which I did. There is one unknown company, LVNV funding. This could be the only possible source. 
Because of reading how this company operates, I'm concerned this is a scam - hoping I will not dispute whatever this may be and they will simply be able to enter a judgement to garnish wages. 
We have the ring, which showed this person, when they did leave the note in our door, did not knock nor ring our door bell. They simply placed a note in our door.
Product: Credit reporting or other personal consumer reports

I had two credit cards from Amex, they were branded XXXX and XXXX. Over the course of several months I ran over XXXX $ through just one. I paid off the balances in full on time even early every time. They reported none of that to the credit bureaus. I gave them the opportunity to make it right, they said " no ''. Plus they violated the return protection offed in the XXXX Branded card. I can Prove EVERY SINGLE bit of these claims. Please help me out. It's not at all fair, infact is venomous, of them not to report when they checked first and would have ABSOLUTELY reported non payments. 

XXXX XXXX Cell : ( XXXX ) XXXX Home : ( XXXX ) XXXX Email : XXXX XXXX
Product: Debt collection

I called Trans World systems about a XXXX account. We agreed on a settlement of {$78.00}. I paid them on the due date. They agreed to report the account as settled. I look at my report, the account is still there and is being reported as balance decreased. Thats not what we agreed upon. I want them to remove this account and stop reporting it on my credit like they said they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting unauthorized and fraudulent inquiries I do not recognize. 
Fraudulent inquiries listed : XXXX. XXXX XXXX XXXX is listed XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. Trans Union never received any written permission or consent from me as the consumer, which is a violation of the XXXX XXXX XXXX Section 1681 b ( c ). This is a breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 
2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a 1099-C form. They would not let allow me to settle the account. They said the account is past the statute of limitations. 
Monday XX/XX/2019 The operator said that they do not know if a 1099-C will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO XXXX FOR VERIFICATION. 

Again, if you fail to immediately remove inaccurate, incomplete, or unverifiable information, be advised that I intend to log a complaint against you with the Federal Trade Commission and the Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX {$210.00} Date Opened XX/XX/XXXX Inquiries XXXX  XXXX BAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Got a letter to cure debt. They did not include any information required by FDCPA. Numerous calls a day 5+ most days. Claims they sent letters which I never received and they cant prove they sent them. When I renewed my loan they didnt give me chance to renew collateral new loan should include new collateral and I believe they forged my initials on the collateral sheet on XX/XX/19. Willing to work with them if they give me til end of XXXX to get caught up or pay in full
Product: Credit card

I been with captail one four years I only got one credit increase sffISince I been with them been with them every time I applied for onone I get denied its getting crazy with this I spoke to a fewmangers they said well there so many factors of makinga desion I really do n't unstand im getting the run a roundalso the manger put a complaint about this they said someonewould call me back no one did
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my Equifax credit report that does not belong to me. The details of the in question are as follows : Creditor Name : XXXX XXXX Amount Owed : {$160.00} Date Last Reported : XX/XX/year> This account has been incorrectly attributed to me, and I have no knowledge of or connection to this debt. I ask that it be deleted and removed from my credit report immediately. 

Inaccurate information such as this has a direct and unfair impact on my creditworthiness. I trust that this matter will be addressed with urgency and care.
Product: Credit reporting or other personal consumer reports

Hello sir/maam My name is XXXX XXXX XXXX I am facing a lot of problems due to fake collection on my credit report, the Midland credit Mange ... posted {$4200.00}. Collection on my racket but its is fraud is not belong to me I can kindly request to help me solve this issue, I only have two credit card one from XXXX XXXX XXXXXXXX and the other one is XXXX I swear to XXXX, I never got any credit card from this guys or any other third-party Thanks & Best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and late payments are still erroneously being posted on my credit report : STATE EMPLOYEES CREDIT UNION Account Number : XXXX The company is in clear violation of the law, Under 15 U.S. Code 6802b - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Under 15 USC 6802b, it is explicitly stated that financial institutions, including creditors like yourselves, are legally obligated to protect the privacy of consumer information. This includes but is not limited to, information such as account numbers, credit history, social security numbers, and transaction details. The law aims to ensure that the disclosure of such information is limited and controlled, in order to protect the rights and interests of consumers like myself.

As a responsible consumer, I am aware of my rights under this statute, and I wish to ensure that my personal information is handled with the utmost care and confidentiality.

I understand that some measures may already be in place, however, I believe it is essential to highlight the significance of compliance with 15 USC 6802b and the importance of providing consumers like me with peace of mind that our sensitive data is well protected and managed according to the specifications of the consumer.