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

15 USC 1681s Unlawful Release of Consumer Report without consumer consent Dear CFPB, Transunion and XXXX have provided XXXX XXXX with my personal and private information without my knowledge or consent. 15 USC 1681 604a section 2 provides In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I have never given Transunion or XXXX consent to release my consumer report to XXXX XXXX. I have never applied, had, or held any accounts, loans, or association with XXXX XXXX. 
Furthermore, this information has been posted on my Transunion Consumer Report since 2019, in complete violation of FCRA which provides that inquiries posted on a consumer report for not more than two years. Transunion and XXXX did not have my consent to release my information to XXXX XXXX and they surely do not have my written consent. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. TransUnion is not maintaining reasonable procedures.
Product: Credit card or prepaid card

I applied for the Barclays Jet Blue MC plus which at the time I applied was for a promotion of XXXX Jet Blue Points which I have done everything from spending the {$1000.00} and paying a {$99.00} annual fee I would have never taken this card to pay a {$99.00} annual fee if it didn't come with that promotion. 

I am asking the company to reimburse me with the balance of XXXX points because they have already given me XXXX I have family members who applied at the same time as I did and received XXXX points I am asking for the points that I applied for at the time of this Promotion
Product: Vehicle loan or lease

I have paid the last part of my car loan to Kia Finance in XXXX of XXXX  of XXXX and I am still waiting on my title. I have requested more than 3 times and I keep getting told that I am getting it and it has not came.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a business loan with XXXX XXXX on XX/XX/year> that is a collection with a balance of {$47000.00}. There are also several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

In XXXX XXXX I applied for an Amex card that offered XXXX XXXX XXXX XXXX XXXX I was approved and I satisfied all spending requirements to be granted the bonus, but the miles have never been credited to my account. 
I called Amex several times and I was always told that an investigation was ongoing. XXXX month later nothing has been resolved. 


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

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX CAPITAL ONE XXXX Date Opened : XX/XX/2015 Balance : {$45000.00}
Product: Credit card

I believe the account is invalid. SOURCE RECEIVABLES MNGMN needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.SOURCE RECEIVABLES MNGMN XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

I am currently applying to take the XXXX  Bar exam and the Character and Fitness Application requires a credit check. When I checked my credit on XXXX and XXXX, my credit was clean, but when I checked XXXX, a delinquency of {$6100.00} appeared on my credit report. The collector is Prince Parker and Associates and the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. It says the address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I. have never used XXXX XXXX XXXX and I have never been to XXXX, XXXX. Note that I have had several issues with fraud this past year. XXXX, XXXX, XXXX, and XXXX XXXX credit cards have been opened in my name fraudulently. Each company opened investigations into the matter and determined it was fraud. I received letters from each company stating they closed the account and cleared all debt. However, it seems now that whoever stole my identity opened an account with XXXX XXXX XXXX. Note that the XXXX fraud took place in XXXX, XXXX  as well. A police report has been filed regarding this new XXXX XXXX XXXX fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

With an XXXX credit score, I had a XXXX XXXX XXXX credit card that I paid in full monthly for 13 years. Today I received an alert from my identity theft company that my account was suddenly closed. I called the number on the back of my card and reached a non-US call center with a supervisor who didnt know why my account was closed - all he could do was re-open my account! A debt settlement has been put on my Experian credit report. I DID NOT negotiate payment of debt for less than what is owed. I pay my full balance monthly on all my credit cards. No one at XXXX can give me the contact information for who closed my account and reported this error to Experian.
Product: Mortgage

I pay my mortgage to bank Seterus every however they failed to make a payment in XXXX 2013 city hall called me threatening to take me to court. I tried to call Seterus to resolve the issue and I encounter one incompetent representative after another and many of them hang up the phone. I tried for a week now and have n't made any progress to resolve this very urgent issue it seems like no one know there job.
Product: Money transfer, virtual currency, or money service

I created PayPal account and I was permanently limited for no apparent reason. I haven't done anything. They just permanently limited me right upon signing up. I don't know why this happened but this is very suspicious. I hope this is not racially motivated.
Product: Credit reporting or other personal consumer reports

The removal of these unauthorized fraudulent accounts from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 

credit card accounts that are unauthorized include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WFBNA XXXX XXXX XXXX XXXX XXXX XXXX injuries that unauthorized include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I went to the Wells Fargo on XXXX XXXX just before noon to open an account, as there was an online ad for a {$520.00} bonus for opening an account and depositing funds. 

When I walked in, a XXXX XXXX woman who may have been from XXXX asked me if she could help me. I told her I wanted to open an account, as there was an online ad for a bonus and I had the coupon code. She looked irritated and had me sit down and asked me, did you read the conditions to get the bonus? I said yes. She said, so you're going to have direct deposit? I said no, I'll do the funds transfer. She said, so you'll bring in the amount? I said, no, I'll do an online transfer. She said, so you have the amount? I said yes. Then she told me to sit in another chair because she was busy with somebody else. I walked out. 

Four times she treated me like an XXXX : First, she asked if I had read the conditions ( of course ) ; second for saying, then you'll do the direct deposit? ( Obviously she didn't know there were other promotions going on that don't require direct deposit. ) Third she asked me if I'll bring the money in. ( Hasn't she heard of electronic transfers? ) XXXX, she asked me if I had the amount ( why does she think I don't? ). She was giving me the third degree after I had specifically told her that I had read the conditions and was prepared to transfer the amount. She made it clear that she didn't believe me. What a rude, condescending XXXX. 

So I went to another Wells Fargo at XXXX XXXX XXXX and told a woman I wanted to open an account ; that I had seen the online bonus advertised. She got the same " you're bothering me '' look on her face, spent more time than necessary to see if she had any appointments scheduled, and finally told me to sit down, and she put on a fake smile and said that her name was XXXX. Then she demanded to know what my long-term goals were! I wasn't about to answer any personal questions and told her so. If she wants to check my credit score ( XXXX ), fine. Or my employment. Or my criminal record. But I wasn't going to make small talk with her. She insisted that I answer her questions so I walked out. 

I follow the banking bonuses and have opened many accounts at different banks. But I've never been treated like this. 

It looks like Wells Fargo advertises the bonuses to draw attention, then does everything possible to treat customers XXXX XXXX  XXXX  so they won't actually try to get the bonus. Maybe the bonus comes off the local banks ' bottom lines- is that why they obviously don't want me to open an account? 

I've had three mortgages through Wells Fargo. Won't make that mistake again.
Product: Money transfer, virtual currency, or money service

In XXXX of 2020, I had four discrete Cash App transactions where funds for the transactions were both debited from my Cash App cash balance and also from my linked checking account # XXXX at XXXX XXXX. Transactions as follows : XX/XX/XXXX XXXX XXXX {$7.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX ATM {$25.00} XX/XX/XXXX XXXX XXXX {$50.00} Total {$180.00} I paid twice ( XXXX +XXXX = XXXX ) the payees received payment once ( XXXX ). leaving Cash App with ( XXXX -XXXX = XXXX ) as surplus  which should be refunded to my Cash App cash balance as I no longer have the linked XXXX XXXX checking.
Product: Credit reporting or other personal consumer reports

The companies Iam reporting= companies name 1 Ashro and 2montgomery & ward and other company under the same company they all are one company with different names. I called montgomery & ward and was told that these things on my credit report should be being reported under XXXX XXXX not me but due to me having the same address some how it was incorrectly reported on my credit report. The collection agent from this company told me the credit agency such as XX/XX/XXXX had to be the one to report that it is being falsely reported under me because some how she meaning XXXX XXXX is a alias on my report. Ive asked that anything associated with XX/XX/XXXXXXXX be removed from my credit report she is my mother an we did have the same address as I lived with her but she should not be on my credit report as a alias they have confirmed that she is the one responsible for these transactions that are being reported on my credit report. I contacted a representative and relaid what the companies told me an what they said I had to do to have these things removed and the person from XXXX told me to make a payment to them to further investigate and fix the problem.. all it takes is a phone call to the collection company to fix and they acknowledge that these transactions are suppose to be reported under XXXX XXXX not me and Ive spoken to a representative at XXXX and I can not get anyone to fix the problem causing me to have major problems
Product: Credit reporting, credit repair services, or other personal consumer reports

Mike Carlson Motor Company Has deliberately reported that an old auto loan account is open and that I owe a balance of {$17000.00} when in fact this account was paid in full after I traded in an auto to them in order to get a new vehicle after problems were found that were not disclosed about the previous vehicle I purchased from them. Recently, the auto I purchased from them through their inhouse financing was stolen, wrecked, and declared a total loss by my insurance company XXXX, after XXXX settled my claim and paid Mike Carlson Motor Company {$11000.00}, Mike Carlson Motor Pressured me about producing a police report which I could not produce because when I contacted the local police department concerning the theft of my vehicle for what ever reason, I was unable to get cooperation on a police report from the local police department after several attempt 's, I spoke with Mike Carlson Motor Company on More than one occasions about the matter because I purchased Gap insurance coverage through Mike Carlson Motor Company in addition to my XXXX policy which was supposed to cover any additional amounts that my primary auto insurance didn't cover in the event of a total loss. After checking my XXXX  credit report on XX/XX/2021, I discovered that Mike Carlson Motor Company erroneously reported that I have two separate auto loans with them which inflated my debt significantly and and likely lowered my Credit scores which has caused me Financial harm, as when I attempted to conduct a financial loan transaction, my credit report was showing erroneous information by Mike Carlson Motor Company, this is not the first time I've had this problem with Mike Carlson Motor Company because they have in past time, reported erroneous account information in the past showing that I had two open accounts with them which took me nearly two months to get corrected through a dispute. Because the additional account that is now being reported to XXXX currently as now being an open account with a balance of over {$17000.00} has in fact been reporting as closed and paid as agreed for more than six months, I believe that the erroneous reporting of this information is intentionally and being used as a tactic to prevent me from being able to finance another vehicle from elsewhere. I now have this account in dispute with XXXX, however, Mike Carlson Motor Company is causing me reputable and financial harm by reporting erroneous information about my credit worthiness especially since I've made all payments as agreed with them.
Product: Mortgage

I am requesting a modification with a 2 % interest rate. I have already submitted an application for modification and it has been over 60 days. Please process my application for modification and provide me with an approved modification asap.
Product: Debt collection

Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with CAPITAL ACCOUNTS LLC. I have never done business with this company. I am not liable for collection from this debt from CAPITAL ACCOUNTS LLC. I am not responsible for this debt with CAPITAL ACCOUNTS LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.