23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I trust this communication finds you well. I appreciate your prompt response ; however, I noticed that the specific inquiry articulated in my previous correspondence remains unaddressed. 
To reiterate, my initial request sought additional information, particularly elucidation on the legal framework and pertinent regulations supporting the decision to preclude the utilization of my self-created promissory note as legal tender for both the intended loan application and the concurrent establishment of a new account. 
I must insist on a more direct response to the following query : Could you kindly specify the laws and/or regulations underpinning the denial of my request to employ my promissory note as a means of collateral for the loan application and the associated account opening? 
I have presented legal provisions that directly align with the sanctioned use of such instruments, detailing the entities authorized to seek advancements and the corresponding obligations secured by the deposit of the United States for the aforementioned promissory note. 
Therefore, I respectfully request a comprehensive elucidation delineating the legal rationale for the denial of my proposal. Your cooperation in providing the specific laws and regulations invoked in this decision-making process will be instrumental in facilitating a thorough understanding of the basis for such denial. 
Thank you for your attention to this matter. I anticipate a timely and detailed response to ensure an informed discourse on this issue. '' Sincerely,
Product: Credit card

This complaint is about the TJX Rewards credit card through Synchrony Bank. In addition to a very high interest rate, the Bank routinely thwarts the account holder 's ability to access their account and pay the bill, and then charges a late payment fee. The website is routinely inoperable, blocking access to account information and the payment portal. I did not receive paper statements in a timely manner, sometimes only XXXX or 4 days before the payment was due, and sometimes I did n't receive statements at all. When I called the card company to complain after receiving a late payment fine for a bill I never received, I was urged to switch to paperless statements, which I did on the promise of XXXX access to my account and the ability to pay the bill online. Yet the website never seemed to work correctly, and on the infrequent occasion where it did work, it did not show real time account information such as recent payments. It would not even show the prior month 's payments, even if payment had been made weeks before. It was so bad that there was actually a disclaimer next to the account balance figure that said it might not be accurate. The combined effect of these systemic failures seemed to be designed to keep cardholders from understanding how much they owed and how much they paid at any point in time. It seemed designed to block access to information and to block the ability of the cardholder to make their payments accurately and on time, the result of which ( perhaps intentionally ) was to slap on late payment fees. I canceled my card today after the website was inoperable once again.
Product: Credit reporting or other personal consumer reports

RE : XXXXg Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX XXXXXXXX, has violated my rights 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 furmish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATION/XXXX XXXX Date opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$6900.00}, DEPT OF XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$11000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$000.00}.
Product: Money transfer, virtual currency, or money service

Money transfer to wrong person, XX/XX/24 Cancel transfer, XX/XX/24 I tried to cancel it but it was not canceling, Made a dispute, the next day, Did not hear from them for a long time, They messaged my cash app saying try again to cancel it, XX/XX/24 I made another dispute again, it's what they told me to do, It expired is what they me, So I did, Have not heard from them since then, there is nothing they can not do for and they hung up on me. 

I wish I could screenshot the images that I have, but don't know how to send them!! 


This is cash app is what company I am referring too. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A hard credit check was done on XX/XX/year> from Capital One ( bank ) and XXXX  ( bank ) which were not authorized by me.
Product: Credit card or prepaid card

I have a zales credit card and the bank is Comenity bank i cant make a payment and my due date for it was XX/XX/XXXX they say their systems are down and also their costumer service isnt working or answering calls. I tried different ways to pay and nothing is working. I want to make sure it wont affect my credit score and also have late fees since this isnt my fault. I tried to make my payment on time.
Product: Debt collection

I obtained a copy of my credit reports and discovered an account under XXXX XXXX pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Debt collection

XXXX, Hunter Warfield document violate the Fair Debt Collection Act and the Fair Credit Reporting Act laws. I found SEVEN violations. Each violation is a {$1000.00} dollars according to 15 U.S code 1692K
Product: Mortgage

My escrow account had {$380.00} when I paid off this account. 
My refund from this same account was {$360.00}.
Product: Debt collection

ADDITIONAL COMMENTS I still receive multiple daily calls to pay interest fees and late fees on the interest they say is due. The letter I received repeats the same narrative that their representatives state on their phone calls and use intimidation tactics not allowed by debt collectors. However, since the Federal, State and Local governments are solely on the side of the banks, my complaint was useless. I am a fly on a very large wall run by the banks, saved again throughout history by the government. The average citizen does not count, and you prove it.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I requested an instant transfer of {$700.00} be sent from my Venmo account to my checking account. Apparently I had a debit card linked to my account that had been cancelled over a year ago. Both my account and the debit card are through XXXX XXXX XXXX bank. I called Venmo on XXXX because the funds had never hit my account. After an hour on the phone Venmo told me to call my bank which I did. Speaking with XXXX bank they informed me that the transfer from Venmo would have been immediately rejected since that debit card had been inactive for so long. They state that Venmo had the funds back Immediately. I called Venmo back and gave them all of this information and was informed that they would escalate my case. Today after checking my Venmo account the funds still are not there. I called Venmo again and was told that they would escalate my case to which I said that I was told that was done Saturday. I asked to speak with a supervisor and got hung up on... I called back and eventually got a supervisor that stated she would make sure that my case is escalated and that it would take 10 days for them to investigate .... I have been without these funds for 9 days and it is putting me in a real bind financially. I just need my funds to be made available
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system. 

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process? 

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan? 

CFPB should publish this. How often are consumers ripped of their rights like this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I have applied for XXXX XXXX which is a credit card meant to help consumers pay for medical bills. I got approved for XXXX XXXX on XX/XX/2018. XXXX XXXX is by XXXX. I am using Credit Karma to monitor my credit score and when I applied for XXXX XXXX, I received a notification that my credit score went down due to a hard inquiry. I did not check details as I knew it was due to me being approved for a {$5000.00} credit limit by XXXX XXXX. 

Today is XX/XX/2018 and just a few minutes ago, I am SHOCKED that Credit Karma reported that my credit score went down again. I checked what may have caused this and now it shows I have 2 HARD INQUIRIES from XX/XX/XXXX ( by something called XXXX ) and XX/XX/XXXX ( by XXXX  ). I have checked Credit Karma FAQs and found out that XXXX   does not even exist and it is an issue consumers encounter when applying for/getting approved for XXXX XXXX. 

I am seeking help to REMOVE XXXX 's hard inquiry. It shows as " XXXX '' and it says it's " NATIONAL CREDIT CARDS/AIRLINES ''. This is an error and I did not approve nor did I start this hard inquiry. I only applied for XXXX XXXX by XXXX. 

Please advise. 

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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XX/XX/2022, Elan Financial sent a letter stating that they were closing my account. When I called, they stated that they did not have to advise me of the reason. They also stated that they did not have to identify the name of the credit reporting agency they used in declining me credit. 

Pursuant to the Fair Credit Reporting Act and the Equal Credit Opportunity Act, Elan Financial must disclose to me the identity of all consumer reports that were utilized in performing an adverse action against me. In addition, they are required to comply with the ECOA 's disclosure requirements.
Product: Debt collection

Good Evening, I had asked that I need to see all paperwork and contracts, disclosure with my signature that would verify ownership. And I specifically outlined that just automated statements don't validate the debts under the provisions of FDCPA of request to validate the account to its entirety. If they can not provide documents required, and all the paperwork, they must remove the account immediately. They keep sending me random information that doesn't fully verify the account and I came across several cases where plaintiffs won the same cases from this company Midland for  failing to provide all the documents. Look at the attachment specifically to the case of State of Texas vs. Midland Funding LLC. And the same thing has happened to me. I need help resolving this and remove from my account for failing to fulfill all the requirements. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection  activity.
Product: Debt collection

I received a phone call from my job detailing my debt and that garnishments were to be taken from the debt company and that I was going to be sued and served papers. I then called the company because they left a call back phone number and the lady who I spoke with was very rude and said that the only way to resolve this is to pay the full amount or they will see me in court.
Product: Debt collection

I have for the last year trying to resolve some high medical bills for XXXX XXXX and Billings Clinic. XXXX XXXX, XXXX. sent me to a collection agency. I do feel that they were paid but they refuse to investigate it. I was never mailed a bill from them letting me know that there was a balance on my account until the collection agency contacted me in XX/XX/XXXX. Now XXXX refuses to speak with me so that we can get this resolved. Initially they billed the incorrect insurer who was not the primary and were denied by XXXX  ( secondary ). I can not see where they billed XXXX at all under the name XXXX XXXX XXXXXXXX. There is a match on my claims for XXXX for the amount that XXXX is saying I owe. I believe they were paid. 

The real problem stems from XXXX XXXX and XXXX XXXX XXXX XXXX of Wyoming updating my Coordination of Benefits. I have a primary and a secondary. They are both refusing to pay medical bills to XXXX XXXX, XXXX and Billings XXXX. At the time XXXX was my primary insurance and XXXX  was secondary. I have tried for the last year to get this straightened out by mail and by phone. Nothing has worked to get this fixed. 

I do have documentation that I will also be sending. It's rather confusing so I will try to shed some light on this. These amounts don't match up exactly I think due to a plan discount. XXXX billed different amounts to XXXX and XXXX.??? 


XXXX XXXX billed XXXX for {$19000.00} on XXXXdenied because XXXX was secondary insurer. I do not see where XXXX re-submitted this for a claim. 

Originally XXXX denied the claim of {$21000.00} - ( {$1900.00} plan discount ) = XXXX on XX/XX/XXXX. The claim shows that the bill was submitted by XXXX XXXX XXXX not XXXX XXXX. It was denied because they did not think they were the primary insurance when in fact they were. I am clueless why the claim was not submitted under their name and under XXXX XXXX XXXX. 

Another claim was submitted to XXXX from XXXX XXXX Montana on XX/XX/XXXX for {$21000.00} - ( {$1900.00} plan discount ) = XXXX. This claim was paid on XX/XX/XXXX. XXXX XXXX was paid. I am clueless why the claim was not submitted under their name and under XXXX XXXX. Personally, I think that they must have done the billing for XXXX. I am not sure exactly the relationship between the 2 companies, but I do know they work together. XXXX is an air/ground ambulance service and XXXX  is a hospital/healthcare system of sorts. I have called both XXXX XXXX and XXXX XXXX to ask what the relationship is between the 2 but I wasnt able to find anything out. 


The other high bill is for XXXX XXXX $ XXXX. XXXX and XXXX has paid them nothing. They each claim that they are not the primary insurer. I think once the coordination of benefits is straightened out XXXX XXXX may need to re-submit the claim and finally get paid. I am afraid that they soon will turn me over to collections as well.
Product: Credit reporting 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 u.s.c. 1681 Account NameXXXX 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  XXXX15 u.s.c 1681 section 602 A. state 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 an account without my written instructions.. 15 u.s.c. 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reports containing any of the adverse item of information, other than record 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Equifax doesnt have any fear of neglecting this kind of complaint. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 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 following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my credit that I did not authorize and need removed as it is detrimental to my livelihood and future. I'm currently looking to purchase a home and viewed a recent report of my credit reports with Equifax, XXXX, and XXXX. Upon reviewing my reports I have identified these Inquiries that weren't authorized : XXXX XXXX XXXX, XXXX, XXXX OF XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX. These inquiries were done without my consent and needs to investigated. I need these Inquires removed immediately as this is affecting my chance to apply for a home loan.