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

Ten years ago I became totally XXXX with a XXXX XXXX related to XXXX XXXX and XXXX! The last twenty years have been one kick in the teeth after another both medically and financially for my family! I fell behind on bills and when my wife past I owed over a {>= $1,000,000} in medical bills alone! I live on {$13000.00} a year income ( Soc.Sec. ) and currently take 14 different medications a day! Five years ago my bank account was drained for medical expenses and I am still in need of completion of Dental work which I can not pay for directly! Ten years ago I was wrongfully terminated from my job with no hope of future employment! My financicial reputation was totally destroyed! I can not get credit anywhere even though I receive offers by postal mail and email! The credit reporting agencies have refused to give me a decent credit score thru FICA and have locked me in this position because my record is clean! They say I have to have bills!! I am XXXX yrs.old and have had the same residence for the last five years! How can a XXXX senior XXXX XXXX be treated this way! This is the second time I have contacted you! I am getting so fed up with this! I am glad my wife is not alive to see the way I am being disrespected! If you have any compassion at all you will look into this and rain XXXX down on the cold hearted XXXX responsible for my Situation! 
Respectfully : XXXX XXXX XXXX Tel # XXXX Soc.Sec. XXXX U.S.M.C. Service # XXXX
Product: Credit card

I was an Authorized user on a Navy Federal Credit Union ( NFCU ) Credit Card the account went in default, I requested that all XXXX major credit bureaus remove this negative information from my account because NFCU refused to do so even after they acknowledged that I was only an Authorized user. XXXX and XXXX removed the negative information immediately. XXXX will not remove any negative information regarding NFCU I have tried twice with no luck please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED XXXX EQUIFAX AND XXXX   about them having my updated balances incorrectly reported on my XXXX  account. I will attach documents to show they are falsifying updated balances on my report and my AU 's report for this same XXXX  account. And EQUIFAX UPDATED AND POSTED THIS FALSE INFORMATION KNOWING ITS A FEDERAL CRIME THAT CARRIES A VERY HEALTHY FINE AND COULD LEAD TO CRIMINAL CHARGES. My reported update balances are the XXXX  of every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX of the bureaus have had over XXXX  days to comply with the deletion of their erroneous credit reporting for the fraudulent accounts they are reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 XXXX put a hard inquiry on my credit report. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Product: Debt collection

About XX/XX/XXXX, a collection agency send me notice that I owed {$1500.00} and change for a purchase that was made at XXXX XXXX in XXXXXXXX XXXX in XXXX of XXXX. I am now living in XXXX   and have not lived in XXXX, XXXX. since XXXX of XXXX. Some some how got a hold of my old home address in XXXXXXXX XXXX to get a credit to make a purchase at XXXXXXXX XXXX in XXXXXXXX XXXX. The email this person used is not mine and I don't know who this person is. At the time the purchase, I was here in Florida  pumping gas in a local XXXX station. I was constantly being harassed by the collection agency all times of the day and night- even on Sunday. The only reason they have stopped is that my phone number has changed. The collection agency is : MIDLAND CREDIT COLLECTION AGENCY. located in XXXX XXXX, Ca. I tried personally speaking with them on the phone but they will not believe me. As I said, the only reason the phone call have stopped is because my old phone bit the dust and I had to get a new one. This is showing up on my credit reports and I am not responsible for this debt.
Product: Vehicle loan or lease

Subject : Request for Refund of Down payment for XXXX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to address a matter regarding the purchase of a XXXX from your car lot during the summer of 2022. I had financed the vehicle with your dealership and unfortunately encountered a significant issue that was promised to be resolved but was not adequately addressed. 

At the time of the purchase, I was assured that the air conditioning ( A/C ) system in the XXXX would be fixed before delivery. However, despite my numerous follow-ups and attempts to have the issue resolved, the A/C problem persisted, and I was left with a vehicle that did not meet the promised standards of functionality. 

As a result of the unresolved A/C issue, I had no choice but to return the vehicle due to stop payments. It is important to note that this action was taken as a last resort, as I genuinely intended to resolve the matter amicably. Regrettably, the lack of response and inability to fix the A/C issue left me with no alternative but to take this step. 

In light of the circumstances and the fact that services were never rendered as agreed upon, I kindly request the refund of my down payment made for the XXXX purchase. It is only fair that I am reimbursed for the amount paid, as the vehicle did not meet the promised condition and the issue was not resolved despite my efforts to communicate with your dealership. 

I must emphasize that I would prefer to handle this matter amicably and avoid any legal action, which would be the next step should my request for a refund be disregarded. I believe it is in both our interests to resolve this issue promptly and in good faith. 

Furthermore, I would appreciate it if all correspondence regarding this matter could be conducted through mail or online communication, as it allows for a clear and documented record of our discussions. 

I would like to mention that the negative impact on my credit report resulting from the return of the vehicle has already been rectified, as the service was not rendered due to the fault of Adonis Car Lot and not my own. 

I kindly request a response to this letter within15 days from the date of receipt. Please provide the necessary steps to proceed with the refund and any additional information or documentation you may require to expedite this process. 

Thank you for your attention to this matter. I trust that we can reach a fair resolution and avoid any further complications. I look forward to hearing from you soon.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX XXXX XXXX opened with XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX  XXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX XXXX  asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX Account Number XXXX, XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXXXXXX XXXX Account Number XXXX, XXXXXXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX Account Number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/XXXX I set up a settlement agreement ( Document # XXXX ), with American Express Global Collections on the remainder of our American Balance of {$15000.00}. The agreement was for me to pay {$9900.00} with the last payment of {$400.00} due on XX/XX/XXXX. I have been paying on the balance as agreed and as of XXXX the remaining balance due was {$6100.00}. I made arrangements on the phone with AE on XX/XX/XXXX and on XX/XX/XXXX we paid the full remaining balance online of {$6100.00}, ( Confirmation # XXXX ). The settlement agreement letter states ; Upon receipt and clearance of payment for the full settlement amount, no further attempts will be made to collect the remaining balance. This morning, XX/XX/XXXX I received notification from the USPS that I had a letter from American Express coming today. I assumed that the letter would be an acknowledgement that the settlement agreement was followed as agreed and American Express was providing me documentation that the agreed settlement amount was paid in full and all debts settled with American Express. The letter I received today, ( XX/XX/XXXX ), from American Express was dated XX/XX/XXXX and appears to have been mailed from NJ. The letter states that they have turned over our account to a collection agency called XXXX XXXX XXXX XXXX. The balance they show I owe is {$12000.00}. The balance does not credit the {$6100.00} we made on XX/XX/XXXX. The remaining balance is the amount that American Express agree to forgive if I paid the settlement agreement in full which we did on XX/XX/XXXX early as the last payment of {$400.00} was not due until XX/XX/XXXX. I called up the American Express Global Collections department, ( XXXX ), who told me the file was no longer in their office and told me to call customer services at XXXX. Customer service told me to call the collection agency.
Product: Checking or savings account

I worked for the company XXXX and county of XXXX XXXX at the XXXX XXXX I got paid and did mobile deposit of {$2400.00} on XXXX and they said it was flagged as fraud and wont be available until after XX/XX/XXXX. I would like the money available to me and hold released
Product: Mortgage

US BANK NA the Trust from XXXX XXXX XXXX supposedly transferred my loan on XX/XX/XXXX when in fact it did not happen. I was was transferred to XXXXXXXX XXXX  whom foreclosed on me illegally in XXXX. I litagate for six years and lost in court because I could not prove they did not own it. I recently found the document of an illegal transfer which never happened because the Trust had terminated XX/XX/XXXX. I lost my home and everything
Product: Checking or savings account

US BANK ASSUMED THE MANAGEMENT OF MY RETIREMENT ACCOUNTS AND DID NOT ALLOW ME TO PROVIDE THE DIRECTION AS TO HOW MUCH MONEY WAS TO BE WITHDRAWN EACH YEAR. I WAS SUPPOSED TO BE ABLE TO SIGN A DISTRIBUTION DIRECTIVE ANNUALLY AND I WAS NOT ALLOWED TO BY US BANK. WHO MADE THESE DECISIONS AS TO HOW MUCH MONEY WAS TO BE DISTRIBUTED EACH YEAR? I HAVE REQUESTED THIS INFORMATION FOR OVER 3 YEARS AND IT HAS NOT BEEN PROVIDED. 

IN XXXX, MY ACCOUNT WAS CLOSED BY US BANK WITHOUT NOTICE AND I SUBMITTED A COMPLAINT TO US BANK. XXXX XXXX FROM US BANK RESPONDED AND HAS MY ACCOUNT REINSTATED WITH THE PREVIOUS BALANCE. 

IN XXXX, I TRIED TO MAKE A DEPOSIT TO MY ACCOUNT AND WAS TOLD THE ACCOUNT HAD BEEN CLOSED AGAIN. WHY WAS IT CLOSED AND WHERE DID THE FUNDS GO? 

I CALLED US BANK AND WAS TOLD THE ACCOUNT HAD BEEN CLOSED AND THAT I WAS NOTIFIED BY LETTER ON TWO DIFFERENT DATES IN XXXX BUT I NEVER RECEIVED ANY NOTICES NOR HAVE THEY BEEN PROVIDED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is violating my rights And his criminal obligated And you violating my rights under 15 USC 1681 And money and fragment of 15 USC 1640 and 1692 I am asking you to remove this negative information from my shoppers report I am asking you to remove these infringements they failed to comply with the government regulations, and they are governed by the FCRA And his XXXX is for your duty to make sure that they file a protocol. If not, I will be pursuing legal actions and reporting them to the FTC XXXX XXXX XXXX state attorney general. United State Senate Federal deposit of currency insurance
Product: Credit card

I am submitting new information, including a letter received by Macys on XX/XX/year>XXXX  Citibank needs to notify the law firm XXXX XXXX XXXX that the Macys credit card balance was due to fraud, and I am not responsible for it
Product: Credit card

CapitalOne Savor Card : 1 ) Account opened XXXX XX/XX/2023. 
Shortly after the card was used to make a few legitimate charges, it was arbitrarily and capriciously restricted, rendering it useless, without notice, explanation, or apology after customer was embarrassed by a declined charge attempted at a familiar vendor. It was not until the customer contacted this shyster company with a WRITTEN COMPLAINT ( XXXX XX/XX/2023 ), demanding explanation and apology, followed up by a second letter ( XXXX XX/XX/2023 ), demanding that they put their demand in WRITING, that this anonymous form-letter process time-lined below commenced : 2 ) XXXX XX/XX/2023. Customer Fraud Protection notice placed a temporary restriction on the credit card, rendering it useless. 
3 ) XXXX XX/XX/2023. Customer Care Team notice, card is rendered useless, with the threat of permanent card closure until some ambiguous and vague information is verified. 
4 ) XXXX XX/XX/2023. Customer Care Team notice of arbitrary and capricious account closure after not getting the ambiguous and vague information verified. 
Throughout the process, and the passage of these multiple months, this shyster company outright ignored and refused customer 's repeated multiple requests for the ambiguous and vague information demanded to be specified in WRITING. 
This shyster company penalized the customer simply for insisting on the customer 's preference for the reasons for these questionable actions to be put in WRITING in place of unrecorded telephone contacts. 
Customer desires to expose whatever it is that this shyster company is so desperate to conceal from the public in its dubious and impersonalized dealings with the customer, who did absolutely nothing wrong from start to finish : including paying off IN FULL both credit card transaction statements duly received and disposed of.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX and XXXX data breach.
Product: Mortgage

We bought a new house in XX/XX/XXXX using the mortgage company with 5 % down and a PMI payment called XXXX XXXX Mortgage XXXX based XXXX CO, which was an absolute nightmare. ) The mortgage was sold to XXXX in early XXXX. On XX/XX/XXXX I made a huge payment to bring the XXXX below 78 %. As a courtesy I contacted XXXX to let them know that the loan was now below 78 % and that they were required by law, and by contract to automatically remove the PMI. XXXX XXXX Mortgage XXXX had advised us to do this, since we were selling houses and would have money to pay the mortgage down. They also said we would get a lower interest rate if we had PMI to start the mortgage. ) Note there will be another huge payment in the upcoming days/weeks. The first response from XXXX was I would need to contact them in 14 days to remove it. Note : By law and contract they are to automatically remove it. I don't actually need to ask them to, because it went below 78 % XXXX of the original purchase price, not 80 %, in which I would need to ask them. I let them know that they were required to automatically do it and I did not need to tell them to do it. They then told me that they can take 30 days or more to remove it, which could mean I pay PMI at least XXXX month more than I am required to since the loan is now below 78 % XXXX of the original loan amount and considering the real estate market in XXXX the value has not gone down. I also requested in writing that they provide me a complete list of all organizations that regulate them. They said I should sent my complaints to their compliance department and refused to provide me a list.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  credit report was pulled on XX/XX/XXXX as a part of her housing counseling services with XXXX for XXXX XXXX Michigan ( XXXX ). There is an XXXXXXXX XXXX with XXXX XXXX XXXX related to a vehicle that XXXX had which was in an auto accident in XXXX. This vehicle was impounded by police as evidence and she never received the car back. On the credit report pulled XX/XX/XXXX this account was reporting as actively being 120+ days late, however, the date of last activity was XX/XX/XXXX. We pulled an updated report today ( XX/XX/XXXX ) which still shows the same account with the same balance of {$8300.00} and a XXXX day late status. The report pulled today also shows the date of last activity as XX/XX/XXXX and the last payment date also from XX/XX/XXXX. Per State of Michigan statute of limitations, this account is past the allowed time for the collection of consumer debt in Michigan. Please provide confirmation that this account will drop off the consumer 's credit report in XX/XX/XXXX and update an inaccurate or outdated reporting.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, after I pulled my credit report, I found out multiple accounts on my credit report that were not mine, the following frivolous accounts are not mine and I need it to be remove from my EQUIFAX file. I am trying to reach out the CFPB now because, out of nowhere on my updated credit report, the collection name XXXX XXXX XXXX XXXXXXXX ( XXXX ), XXXXXXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ) ", came up. I really need them to be remove from my report, the mentioned accounts was never mine and I never opened, I am not the debtor of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my ssn on the Equifax breach page, and found out I was in fact breached, without any notification from Equifax, I then clicked yes to a free year of security given to those affected without any further information available on that link, I then read it does'nt protect you and that they had a hidden disclaimer the veiwer couldnt see that automatically prevents you from suing if you are a victim of identy theft related to their breach
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform to the CFPB of the bad practices TransUnion has caused to my consumer credit report today. Thursday XXXX XXXX XXXX as I was reviewing my personal information on TransUnion, I have noticed my name spelled incorrectly. on my personal info also as know is showing a mis spell name by the name of XXXX XXXX XXXX I decided to call TransUnion to inform the name off XXXX XXXX XXXX which this name is in accurate. I have spoken over the phone with a representative and she mentioned that in order to change the name that appears incorrectly on my TransUnion credit report she needs to generate information from her system and since the information wasnt generated. by her policy, they can not remove the inaccurate name showing on my credit report. Even though she had verified my information over the phone she was discussing my credit report. it does not make sense for me to mail my information if she already knows the right person she's talking to. I have verified my information over the phone to TransUnion she will not remove that inaccurate name showing on my credit report. I have provided in the past my Social Security. my change of address and my California ID. TransUnion that information is on her system and if my information wasn't in her system why do I receive mailing correspondent to the address. and yes, I do have a security alert on my TransUnion as a consumer I am requesting a removal from that inaccurate information you as a creditor is to make sure that the information you furnish is accurate not 95 % but 100 %. I have provided you with the information you requested. your job is to remove my information that is inaccurate as soon as possible. is causing me problems. remove it is spelled incorrectly. and update my original address and eliminate the old address which this addressXXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX does not received any correspondent mail anymore. 
thank you. 
Sincerely : XXXX XXXX XXXX.
Product: Checking or savings account

Today, XX/XX/2018, I tried to log in to my chase account. It said my account is suspended. I was just at the bank earlier so I dont under stand this. I spoke to 4 different people on the phone and they all said my account was being closed by chase and they wouldnt give me a reason why. Thy just said they were closing it and there was nothing I can do about it. I do not owe them any money.