23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Suntrust Bank provided written response to complaint XXXX stating a subpoena was received for release of my personal account information in XXXX. Suntrust identified in their response an attorney which has since hired legal counsel acknowledging no such subpoena existed and she found the statements. I have since discovered the employee from Suntrust Bank, XXXX XXXX has been terminated and Suntrust Bank is in denial or is simply trying to skirt past the fact my financial privacy was violated by testimony in open court as well as providing access to my bank statements in open court. The court docket and court reporter have recorded Suntrust testimony. Please share my complaint with all elected officials, federal and state agencies as deemed appropriate, I believe this action warrants a hefty fine and further compensation for negligence and misleading information to a consumer and a federal agency. The event in question took place in XXXX, not XXXX.
Product: Debt collection

Cash Central of XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX phone XXXX, sent me a letter stating I owe a debit. I have never taken a " Payday Loan '' with Cash Central or any of its affiliates or companies. I have never taken a " Payday Loan '' from any company. 

To date I have sent Cash Central 3 letters via USPS Certified mail return receipt requested : XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 All asking for validation of the debit and asking specific questions to attempt to verify exactly who took out the loan and to correct this company in thinking I took out the loan. To date they have not responded to any of my letters asking for more information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), due to my status as a victim of a data breach. I am exercising my right under these laws to have fraudulent information removed from my credit report. 
The following accounts have been identified as unauthorized and fraudulent : XXXX. XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$810.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$3100.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$17.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$410.00} XXXX. XXXX XXXX  Account # XXXX Date : XX/XX/XXXX Balance : {$200.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX OF XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX
Product: Debt collection

Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this debt is not mine.
Product: Debt collection

I paid the original credit the entire original balance of XXXX and the collection company wanted me to pay a fee of XXXX. This is a XXXX debt under XXXX that should have never made it to my credit report. On XXXX they are XXXX XXXX, but on the others they are Wakefield & Associates. 
XXXX XXXX Current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( on XXXX ) Partial acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XXXX ) Partial acct # : XXXX
Product: Mortgage

Please refer to close case # XXXX The issue still not being resolved per U.S. Bank -- I have not received refund requested.
Product: Credit reporting or other personal consumer reports

I want to be able to use the Experian website to manage my credit freeze, as I have been a victim of identity theft in the past. For the last several years I have been unable to access my account or create a new account via the Experian website, I am taken to this error page after logging in : Oops, we're sorry! 
We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX  XXXX Sat - Sun : XXXX XXXX  to XXXX XXXX  PT The URL has "? XXXX '' if its relevant. 

I have tried calling and sending letters to experian but have not had a successful response. Currently my credit is frozen and this is preventing me from accessing new lines of credit.
Product: Debt collection

XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Money transfer, virtual currency, or money service

Im simply trying to get more clarification to an earlier complaint I had filed with Paypal, Compliant number XXXX. Im trying to get my data deleted from their servers. If that can not happen today because of federal law and regulations from the FDIC, so be it. However, upon doing more research into the subject after the call from someone at the executive office of paypal, she stated in both the written response as well as verbally to me over the phone on XX/XX/XXXX at approx XXXX XXXX XXXX with a follow up call at approx XXXX XXXX  XXXX, that all data must be kept for 10 years. This is not the time length in the regulations I had found governing data retention for finical institutions. 

According the the FDIC 31 CFR 1020.220 ( a ) ( 3 ) ( ii ) - " Retention of records. The bank must retain the information in paragraph ( a ) ( 3 ) ( i ) ( A ) of this section for five years after the date the account is closed or, in the case of credit card accounts, five years after the account is closed or becomes dormant. The bank must retain the information in paragraphs ( a ) ( 3 ) ( i ) ( B ), ( C ), and ( D ) of this section for five years after the record is made. '' [ 75 FR 65812, XXXX XXXX, XXXX, as amended at 85 FR 57138, XXXX XXXX, XXXX ] My account was locked aka became dormant on or about XX/XX/XXXX, according to what Paypal states must happen, it will be XXXX before my data is deleted from their system. However, according to the FDIC regulations, that data must only be kept for 5 years. If I could get my data off of the paypal system in XXXX vs XXXX. I would take that as an acceptable outcome. I would have just handled this complaint via email however the provided email that i could reply with questions to XXXX XXXX XXXX  comes back to my email as an invalid address. After calling paypal customer support again today XX/XX/XXXX at approx XXXX XXXX, they could not provide me with a valid email address to contact the executive team again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts provided below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 SECTION 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681S2. 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.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692B. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 U.S.C 1692D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Privacy violations.

Abusive of power and abusive of incorrectly reporting.

Requesting a credit report for an impermissible purpose.

Failing to follow proper debt dispute procedures.

Furnishing and reporting old information.

Furnishing and reporting inaccurate information. 

Multiples accounts reported on all 3 bureau XXXX. XXXX. EQUIFAX are incorrectly reported mixed dates and amounts, lates, derogatory and dates closed. 

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 reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a letter to the credit bureau listed below along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the accounts ( s ) until I pulled my credit reports for review. I've asked the credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, I have not received a copy of my credit report and the item ( Allsouth FCU {$4900.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$490.00} ) continues to be reporting and affecting my credit. It would be of great pleasure if CFPB would assist me in resolving this matter. Thank You
Product: Money transfer, virtual currency, or money service

Mobile deposit from XXXX XXXX on XXXX2022 of XXXX held 10 days without notice. Unable to access my money for 10 days. There is a hold notice of 3 days given AT THE TIME OF DEPOSIT. Then a day later a notice of 7 business days -- XXXX2022 which is actually 10 DAYS without money because I am now in overdraft from auto-payments going through AFTER THE DEPOSIT was made. They will not cancel the mobile deposit to allow me to go into the bank to cash it. It only takes one day to make a phone call to XXXX XXXX.
Product: Debt collection

Opened the loan on XX/XX/XXXX2016 and i been trying to pay the little i can when i can due to financial problems and they sent me a letter in the mail stating that they would soon be calling me to court
Product: Checking or savings account

I was the victim of check fraud and Chase has stated that it has practiced ordinary care in honoring these fraudulent checks and because I did not identify the first fraudulent check within a certain amount of time, Chase was not obligated to reimburse me for any of them. Chase has stated that it practiced ordinary care even though some of the checks were presented in XXXX banks and I do not have a history of writing checks that are cashed in XXXX banks. Some of the checks were printed with someone else 's name on it and Chase has stated that it has practiced ordinary care in honoring those checks even though my name is not in the upper left hand corner. 

I am attaching my Affidavit of Unauthorized Signature or Transaction. 

Chase has made other errors identified in complaint ID XXXX that have made me very doubtful of Chase 's internal controls and practices.
Product: Credit reporting

I am filing this dispute against XXXX for violating [ 15 U.S. Code 1681i ( a ) ( 7 ) ]. I have copied and pasted that statute below. TransUnion has failed to provided me with documentation used to verify the items I disputed in my credit report after I requested that information. 

15 U.S.C.A. 1681i ( a ) ( 7 ) says : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

15 U.S.C.A. 1681i ( a ) ( 6 ) ( B ) as quoted above says : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableBackground Information on my recent dispute with TransUnion : I did dispute items in my credit file with TransUnion and they did provide a timely response letting me know that they " verified '' the disputed items. Upon receiving the letter from them that said the items were verified, I sent another letter to them requesting information on the procedures they used to determine the accuracy and completeness of the information used to verify items I disputed. I have certified mail documentation evidencing that Equifax received that request on XXXX XXXX, 2015. 

TransUnion subsequently sent me a response and a credit file dated XXXX XXXX 2015, # XXXX. I received that on XXXX XXXX, 2015. Not only was that letter received AFTER the 15 day maximum requirement, that that letter did NOT provide me with ANY of the information used to verify the items in my credit file that I disputed as I requested. 

Instead, in that letter, TransUnion stated " Our investigation of the dispute you recently submitted is now complete. '' It appears to me that my request for the documentation used to verify the disputed items was totally disregarded. This obviously is a direct violation of the part of the FCRA that mandates that they must provide documentation used to verify items disputed, if requested by the consumer. 

I have been well within my rights to dispute items on my TransUnion credit report and request documentation used to verify the items disputed. In good faith, I expected TransUnion to respond by providing me with that documentation so I could better understand what is being reported and why in addition to the fact that the FCRA requires them to do so and in a timely manner. That was the last communication that I have received from TransUnion and they have failed to comply with XXXX U.S.C.A. 1681i ( a ) ( 7 ) to this day.. This is completely not fair to me and I am sure the CFPB also expects TransUnion to comply with ALL applicable laws in dealing with my dispute and others.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ XXXX XXXX XXXXXXXX ], are not complete and accurate. 

[ XXXX XXXX XXXXXXXX ], open date is not reporting correctly, date of last active, report date, high balance amount, this account is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have BankAmericard back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask Bank of America to help me in my hard situation. Account number was. : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a business credit card with Capital One. I was asked to submit all my business information ( ein, registration of business, dba, business location ). I submitted all the requirements to obtain this business card for my business, only to find out that it's being reported to the credit bureau 's as a business card for an individual not as a company card. Which has my company name on it also. I have-other business cards which is not reported on my personal credit report. I feel that Capital One is reporting business credit cards for a company to business credit report and to personal credit report. Makes it looks like Capital One gave out two credit cards to my company which the company only has one business credit card. The card is only used for the purpose of my business and not for personal used. By this being on my credit report is making my debt to ratio higher making it look like I do not manage my accounts very well.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX XXXX XXXX due to an Inaccurate report based on LAW 15 US CODE 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 US CODE 1681 ( 4 ) they have violated so many of my rights. Equifax denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted XXXXXXXX XXXX XXXX XXXX and XXXX XXXX then they Reinserted the collections without notifying me within 5 days of reinsertion violation of 15 USC 1692 ( c ) 805 ( b ) communication with third parties. Debt collector must have your prior direct consent or a court order to communicate to anyone about a debt. This includes credit reporting agencies. Also use 15 USC 1692 ( k ) 809 ( a ) validation of debt. They MUST Validate all debts! If not permanently removed by equifax. I will seek litigation and file a lawsuit. Equifax will be charged with preventing furnish from reporting debt on credit profile. The courts would rule in my favor examples XXXX XXXX EQUIFAX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. XXXX XXXX ACC #  XXXX, Date Opened XX/XX/2017, I am attaching the dispute letter/documents I sent to this company
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$100.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference 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/XXXX
Product: Credit card

XXXX American Express credit card payment was due on XXXX XXXX, 2015. I always pay the bill electronically 3 or 4 days in advance. On XXXX XXXX, 2015 I logged in multiple times to authorize payment. The system would not let me put in a payment with a date of earlier than XXXX XXXX, 2015. I assumed this was because of the holiday and went ahead and authorized payment as early as it would let me. Now I get the bill and see that there is a {$25.00} late fee and {$35.00} interest charge on a {$1700.00} balance. I always pay in full ; I never carry a balance. If they did this to me I would assume they treated everyone who logged in on XXXX XXXX to pay their bill the same ( would n't take the payment until after the due date ). I have no other way to pay but electronic -- - I do not get a statement ; everything is on-line. So on XXXX XXXX it was not possible to pay a bill electronically with a due date of XXXX XXXX. This never happened before and I believe it is just not fair.
Product: Credit reporting or other personal consumer reports

Please see the attached Equifax data breach claim and FTC report and remove the following unauthorized accounts and 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I received a payment from XXXX XXXX via Venmo account for the amount of {$1800.00}. The transaction was successful and I was able to transfer the funds to her son for a payment of rent. A month later, I receive the email from a Venmo account about a chargeback claim being filed by the sender 's card issuer. I called my bank to ensure there was no case opened on my end. Next, I reached out to XXXX XXXX, and her son XXXX XXXX to resolve the matter and clarify the chargeback claim made against me. They claimed the chargeback case was illegitimate and/or reversed when I contacted XXXX XXXX for clarification. I quickly reached out to Venmo after the dispute came back not in my favor and Venmo provided no further detail about the case while simultaneously freezing my account and demanding a payment of {$1800.00}. I reached out to my lawyer who concluded that Venmo is operating under faulty business practices by providing false investigation results. Venmo also sent an email saying the " Case has not been worked '' without any explanation. I tried contacting Venmo and Customer Support escalated my case but it's been a week without action or speaking with an Account Specialist to resolve my case. I demand my account be unfrozen and the amount of {$1800.00} refunded as I have violated no policy or terms of agreement. Also, since I was not the sender, I am unable to use the Purchase Protection Feature. Lastly, there were no goods or services being exchanged during this transaction.