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

Hi, I have been monitoring my credit scores with Transunion and XXXX. I have some derogatory credit history ( including a settled judgement ) caused by periods of unemployment. Consequently, I am not able to get much of a credit line. However, I am maintaining a credit card account with XXXX XXXX. I have a {$500.00} line of credit with this card and use it frequently for small purchases. I often use nearly all of the available credit. Then, I make a payment of typically $ XXXX dollars well in advance of the due date. My credit sources inform me that both Transuion and XXXX have lowered my credit score because I used nearly all of the available balance. My question is this : If my score can be lowered for using nearly all of my balance, why do I not earn points for paying ten times the minimum and paying it two to three weeks in advance of the due date? This is clearly an unfair business practice and, I believe, grounds for a federal lawsuit for defamation. 

XXXX XXXX
Product: Payday loan

Second complaint I applied for a mobiloan loan in XXXX XXXX and received my first statement on XXXX/XXXX/XXXX. With an approval of {$1200.00}. Mobiloans hides behind the false claims that this is a revolving line of credit however my payments averaged {$160.00} to {$150.00} dollar every 2 weeks. I am being charge along with my payment a cash advance fee averaging {$75.00} every 2 weeks because the account has a balance. Mobiloan loans only applies an average of {$45.00} towards the principle. The loan limit was never increase however just like anyonline cash advance loans you can borrow up to the balance of {$1200.00} when you make your XXXX week payments. Mobiloans gets awaywith not posting a high interest rate by camoflaging it with a finance charge of {$73.00} to {$75.00} every 2 weeks. Technically this interest rate hidden as a finance charge is over 90 % After a year XXXX XXXX Mobiloans will not allow you to borrow towards your XXXX limit until the balance is paid in full however they continue to charge the finance as a fake high interest rate every XXXX weeks that will never allow me to get out of this fake line of credit account. Mobiloans does not give a statement to reflect past payments applied to principle and amounts of finance charges instead they provide XXXX statement a month for any transactions or charges that month no yeat end statement in order to camofloug claiming this is a line of credit. If it is like a credit card the annial percentage is about XXXX to 28 % and the most finance charge is around {$30.00} a month based on thr {$1200.00} instead ot is just like a pay day cash advance {$320.00} fees towards a {$1200.00} cash limit. I have paid an average of {$3200.00} for this loan. When I had a balance around {$550.00} it was added to this loan the most {$1700.00} average total in loans. The payments I made was paid twice and still have a {$1700.00} balance and at thay time I would have paid over {$5000.00} for {$1700.00} in loans this is legal loan sharking and predatory loan practicing under the umbrella of a line of credit this is a loan from the United States not overseas predatory lending should be banned i. The XXXX
Product: Consumer Loan

Well Fargo dealer services, they keep harassing me. I will get 4 to 5 calls a day from them. After they disconnected with my line they call my brother 's number the same amount of time, that between 8 to 10 attempt in one day. Not only are they calling the loan holders but they are harassing other member of my family that have nothing to do with this loan. 

When we do speak with them, the supervisor XXXX, threatens me about coming and getting my car, tells me that my hardship is inexcusable and will not work with me at this time. I have explained my hardship and tried to work out an arrangement with them. 

I am still being harassed by Wells Fargo dealer services even after we have explained that I am going to be filing bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

Before, I got my car loan with XXXX XXXX XXXX XXXX, I went to XXXX Dealership, XXXX check to see if they could give me a loan and all these other companies was on my credit report, I want them off!!! Thank you
Product: Mortgage

I have a mortgage with PNC bank. I attempted to pay a principal payment over PNC bank website and the site is unable to accept a principal only payment. I find this constrictive and called PNC bank to investigate and was told this wasn't possible over the computer. I was told the only way to pay down extra towards my mortgage debt was send in a check and call them to have it adjusted to principal or pay a {$7.00} fee to process the payment over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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: Debt collection

I have previously communicated my objections regarding this account, yet NCB MANAGEMENT SERVICES has continued to engage in collection activities that I believe to be unlawful or inappropriate. This persistent action is causing me undue stress and is contrary to my rights under applicable consumer protection laws. 

My specific demands are as follows : Immediate Cessation of Communication : Cease all forms of communication, including but not limited to telephone calls, written correspondence, and electronic messages. 
XXXX XXXX Activities : Suspend all collection activities related to this account, including reporting to credit bureaus or any other third parties. 
Confirm Receipt and Compliance : Provide written confirmation within 15 days from the date of this letter that you have complied with these demands. 
Failure to comply with this cease and desist request will leave me with no choice but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), seeking redress through state regulatory agencies, and pursuing legal action to enforce my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws. 

Please consider this letter as a final notice to discontinue all collection activities related to the specified account. I expect a prompt and written response confirming your compliance with this demand.
Product: Checking or savings account

I received a email stating that I had opened a account and never did so I called the bank to have them close the account that was done in my name.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions.Inaccurate Names 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: Checking or savings account

My complaint is with Citizens Financial Group Bank holding Company. 
Headquarters located at XXXX RI. contact number XXXX XXXX XXXX. 


On XX/XX/XXXX, my online banking account was a victim of online banking fraud. I have been denied the proper review process for a fraud claim. My account was charged off without proper documentation in regard to the fraud claim. 

All of these conversations transpired on a recorded line. 

I called the bank on XX/XX/XXXX. I was told that I should receive my money back. I did not hear anything back from the bank for a couple of weeks. When I called back in on XX/XX/XXXX I was told that the claim was discontinued. I asked the bank to change my mailing address as I believed that the information had been in the wrong hands at the old address. I informed them I was not the one who discontinued the claim. I then made a new claim on XX/XX/XXXX and I was informed on a recorded line that prior to the online banking fraud that I had {$450.00} and that I should receive my money back! I received a call on XX/XX/XXXX informing me that the bank saw no error they did not provide me with any supporting documentation for this claim. During this recorded call the representative informed me that she would not be giving me any further information, but she did admit that they had again mailed the information to the wrong address, which I again let them know that was possibly a source of the fraud. They told me they would call me back in two to three business days and never did. 

I have spoken to multiple representatives on recorded lines who confirmed that my account was a victim of fraud and there were promises made to return the funds and for me to receive a call back from the OCC. I have yet to receive any calls back or documentation from this bank.
Product: Credit card

I received a Kohl 's XXXX XXXX in the mail. I did not request this card. I called the number on the back of the card and was told they would not close the account.
Product: Checking or savings account

XX/XX/2020 - Fraudulent transaction on my checking account. {$1300.00} purchase at XXXX XXXX XXXX XXXX, XXXX, NY. 

XX/XX/2020 - Fraudulent debit challenged at local branch of Key Bank, temporary credit issued. 

XX/XX/2020 : I receive a letter from Key Bank informing me provisional credit for alleged fraud will be reversed : XX/XX/20 not allowed, XXXX XXXX XXXX XXXX. 

XX/XX/2020 - Key Bank withdraws funds from my account : {$1300.00}. 

A side note : at my XX/XX/2020meeting with the local branch manager, in XXXX, XXXX, I was informed that his quick review of my acct record clearly indicated the challenged transaction was fraud, because the bank flagged and stopped other fraudulent transactions from occurring on this same account just after the incident I'm reporting here. Without informing me, by-the-way. How in the world is it possible they then decide the disputed transaction is legitimate??? Bank is taking my money, because they are unable to recover it from the actual thieves, and to cover inadequate account security and safeguards. Please, HELP!
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately Reference to South Carolina FCRA Identity Theft Fraud Laws Dear CAINE & WEINER COMPA, I am writing to formally address a serious issue involving the unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) as stipulated by Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), South Carolina Code of Laws under Sections 37-20-110 and 37-20-120, and identity theft laws, specifically South Carolina Code Section 16-13-510.

It has recently come to my attention that CAINE & WEINER COMPA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law, specifically Section 37-20-110 of the South Carolina Code of Laws, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 37-20-120 of the South Carolina Code of Laws provides clear guidelines for the proper handling of consumer credit information. Concurrently, identity theft laws, such as South Carolina Code Section 16-13-510, underscore the seriousness of unauthorized access and misuse of personal information.

I assert with absolute certainty that I have not provided consent for CAINE & WEINER COMPA to report any information to my credit report. This clear absence of explicit permission constitutes a blatant violation of my rights, potentially harming my creditworthiness and demonstrating a complete disregard for federal and state laws.

I demand, unequivocally, that CAINE & WEINER COMPA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 37-20-110 and 37-20-120 of the South Carolina Code of Laws. Failure to comply within the provided 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

It is crucial to understand that obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA, South Carolina state law, and identity theft laws. This is not negotiable ; it is a demand for adherence to both federal and state regulations, protecting consumers like myself from unauthorized and detrimental credit reporting.

I expect your immediate attention to this matter and insist that CAINE & WEINER COMPA promptly rectify these violations, respecting my rights under federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the XXXX XXXX XXXX that I was a victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) the XXXX XXXX XXXX are required to remove any ITEMS which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I Been preferred customers with XXXX XXXX XXXX since XX/XX/XXXX. i used to have XXXX checking account and XXXX saving account ( XXXX joint account and XXXX personnel ) and XXXX XXXX XXXX XXXX credit card. 
basically i used XXXX XXXX XXXX for everyday life needs since XX/XX/XXXX. 
XXXX of my credit card ending with ( XXXX ) i sing up for a reward programs and i earn lot off point which is equivalent of XXXX $ it took me long way to rich this point ( i spent lot of money and time for it ). 
but suddenly in last XX/XX/XXXX .i receive a letter that my account will be closed by the bank decision. all my account was close i did n't have access to none of my account and i been told that i will receive a check for everything ( my money that i have in bank my funds ) but i never receive the money that accumulate in that reward XXXX $ til now ... 
i was under the shock trying to figure out why they closed my account after 7 years of banking with XXXX XXXX XXXX ... and i keep calling them to redeem my point to benift from the reward just to use it to pay my XXXX XXXX XXXX credit card. but i feel like it is not fair at all .they use the power to take my reward from me ... but i will stand for my right to get my right back. if they send me a checks for my funds they i had in my checking and saving account they should send me a check for my rewards. and they really XXXX a mess in my life cause i had all my bill set to my XXXX XXXX XXXX and i always had a good credit so they really make a mess in my credit reports because the closed XXXX credit account in the same time they really hurt me bad. since then i been paying my bank XXXX of XXXX XXXX i clear it out ( was payed off completely ) but i steel have a othere XXXX ( XXXX ) trying to finish to pay it all as well. so i really appreciate your help if you could help me to have XXXX send me a check or use it to didactic my credit card balence ( XXXX )
Product: Debt collection

Apparently I owe XXXX as of XX/XX/year> the original company the escalantes hired at XXXX XXXX XXXX phoenix recovery group to collect the debt after submitting my police report and sending my id and letter they claim its still valid. Ive never heard or got anything form this company in the past to even know this was going on till it hit my credit report and when contacting the original company the XXXXXXXX XXXX  they decided to say they cant discuss or share any information about the case and sent me to the phoenix recovery group and they claim that our ids dont match but had my informant since I was a victim of identity theft. I been battling this identity theft for years emails, phone numbers and social medias was taken by these thieves that have my personal information.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 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
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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: Checking or savings account

I opened both Chase checking and savings account for their advertised {$900.00} opening bonus. I followed every requirement outlined in the promotion, including : XXXX. Meeting the direct deposit requirement for the checking account, which qualified us for the {$300.00} XXXXonus.2. Depositing {$15000.00} via ACH transfer into the savings account from a non-Chase account and maintaining that balance untouched for 90 days, as stated.

While we received the {$300.00} checking account bonus, we were denied the {$200.00} savings account bonus and the additional {$400.00} for completing both. Upon contacting Chase customer service team, we were informed that the deposit to the savings account needed to be made via cash or check to qualify. However, this requirement was never disclosed in the promotion 's terms and conditions or during the account opening process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX XX/XX/2022 To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 for my Westlake account. 

I want you to know that I understand my financial obligations, and if it werent for me being in a car accident in XX/XX/2022 that totaled the car, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have paid the balance off on the account. Since then, Ive had a spotless record of on-time payments and before XX/XX/2022 I had a perfect repayment record. 

Im planning to apply for an auto loan and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. I am a single mom with XXXX children, and I live in a city without adequate public transportation. I need a car to take my children to school and to their doctor appointments. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the XXXX late payments reported on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Debt collection

On XX/XX/2017 I called CHASE/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, DE XXXX, ( XXXX ) XXXX ) in attempt to negotiate in good faith a charge off account and was turned away in hopes that they receive a bigger pay-off. Please advocate on my behave that chase accept my of 12 % the balance payment as I have told them I 'm in financial distress. My name is XXXX XXXX and the account number referenced is # XXXX Thank you ....