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

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting acXXXX XXXX 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: Credit reporting or other personal consumer reports

Transunion has continued to report XXXX separate accounts appearing on my credit report which I have provided documentation supporting fraudulent reporting and error that prove this is illegal and unethical. Transunion failed to do a proper investigation into this matter. These fraudulently reported accounts are : XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Vehicle loan or lease

To Whom This May Concern, CREDIT ACCEPTANCE CORPORATION I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( CREDIT ACCEPTANCE CORPORATION ) communicating with me through email/text/calls. I would also like to request the purchase agreement between CREDIT ACCEPTANCE CORPORATION and the original creditor. Along with furnishing proof of license and bonded. 

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the collector or the express permission of a court of competent jurisdiction a collector may NOT communicate with a consumer in connection with the collection of any debt. 

IF YOU IN FACT BELIEVE I OWN THIS DEBT PLEASE GIVE ME " THE METHOD OF VALIDATION '' I WOULD LIKE THE PROCESS THAT YOU ACTUALLY USED TO VALIDATE THIS DEBT, THAT SAYS THAT ITS MINE I NEED ALL CORRESPONDENSES AS TO WHO YOU TALK TO, I WOULD ALSO LIKE THEIR NAMES, EMAILS, ADDRESSES AND PHONE NUMBERS. 

Joint Lawsuit by CFPB and New York Attorney General : On XX/XX/2023, the Consumer Financial Protection Bureau ( CFPB ) and New York Attorney General XXXX XXXX filed a joint lawsuit against Credit Acceptance Corporation. Credit Acceptance is an indirect auto lender that funds and services car loans for subprime and deep-subprime consumers. 

The complaint alleges that Credit Acceptance : Misrepresents key loan terms, including the true principal, finance charge, and APR. 
Pushes dealers to sell cars with hidden interest costs and expensive add-on products. 
Uses complicated algorithms to predict collection amounts, resulting in high-cost loans. 
Engages in deceptive acts or practices in violation of the Consumer Financial Protection Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted Equifax to notify them that they had misutilized my information and published nonpublic information without my consent. My nonpublic personal information was shared with third party non affiliate agencies both by my bank and the credit reporting agency. I expressed my right to opt out pursuant to 15 USC 6802. My rights under the Privacy Act of 1974, 15 USC 1681, 17 CFR 424, 16 CFR 313.10 ( a ) ( 1 ) ( iii ), 16 CFR 313.7 ( f ) upon others were violated by the publishing and sharing of my information by Equifax, XXXX, and XXXX along with the banks and credit unions which shared this information with the third party non affiliates. My credit information was shared without proper disclosure to third parties which reflected promotional inquiries on my credit report. There were numerous non mailable addresses listed on my report. There were soft and hard inquires along with transaction history and income listed on my report. Not only was I not provided proper disclosure that this information was shared and published, but it is also illegal to report income as explained in the IRS publication XXXX. Please read the attached letter for a detailed description of these specific violations which were neither cured nor acknowledged by the credit reporting agency.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam I am writing to dispute inaccurate information contained within my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity and accuracy of the negative information listed on my credit report. I have carefully reviewed my credit report and identified several inaccuracies, including but not limited to Incorrect addresses, Wrong phone numbers, Inaccurate employment information. These inaccuracies are detrimental to my financial well-being and may negatively impact my ability to access credit and other financial services. As such, I am requesting that all incorrect information be promptly removed or corrected in accordance with FCRA regulations.Under FCRA Section 611, consumer reporting agencies are required to conduct a reasonable investigation into disputed information and, if found to be inaccurate, incomplete, or unverifiable, to promptly delete or correct such information. Furthermore, FCRA Section 605 requires that consumer reporting agencies maintain accurate information and ensure that consumer reports contain only information with a permissible purpose. I am also bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance in resolving this dispute. I have submitted a complaint to the CFPB outlining the inaccuracies in my credit report and requesting their intervention to ensure that my rights under the FCRA are upheld. I request that you conduct a thorough investigation into these matters and provide written notification of the results and any actions taken to address this dispute within the timeframe specified by FCRA Section 611. Thank you for your prompt attention to this matter
Product: Debt collection

I am writing to formally dispute the debt reported under account number XXXX, listed as a collection account with an outstanding balance of {$1600.00} as of XX/XX/year>. I do not recognize this debt, and I am requesting full validation of this account pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), which affords me the right to dispute this alleged debt and request verification of the claim. As a consumer, I have not entered into any agreement with
Hunter Warfield, nor have I received any proper notification or documentation establishing my legal obligation to pay this alleged debt.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : LENDMARK Financial Services
Product: Checking or savings account

My Citi bank checking account has been charged service fees many times for not maintaining a minimum balance, however, I qualify waive those requirements with direct deposit and bill pay. I have to reach out to customer service to reverse the fees, and every time they try to dispute. Only when I ask them to read their own policy, do they reverse the charges. I have the resources to spend time fighting these charges each time, but many don't. They are relying on the fact that most customers don't have time or the knowledge to dispute fees like this. It's a drain on my time and their own customer service resources.
Product: Consumer Loan

XX/XX/2016 I contacted Toyota Financial to see if I could have my XX/XX/XXXX payment moved to the end of my contract. They disclosed that I had to pay all late fees which I did. They sent me a loan agreement that stated the payment for XX/XX/2016 had been moved to the end of the loan contract. On the same document that I signed, it disclosed that the next payment amount was @ {$280.00} but I paid {$300.00} on XX/XX/2016. Now they are saying that I owe more than the one payment that I am past due. Because of financial hardships caused by a house fire, I missed the XX/XX/2016 payment, however, I should only show past due for@XXXX but Toyota shows @ {$1300.00}. I believe that they are doing this as a scare tactic so that they may take my car from me.
Product: Debt collection

Received a phone call from XXXX & XXXX, XXXX on behalf of MetLife on XX/XX/XXXX stating they are trying to collect an overpayment from a Long Term Disability Claim from XXXX. I never received any documentation from MetLife regarding an overpayment in XXXX and do not think it is legal to come after me 8 years later when I no longer have access to documents to substantiate the claim. MetLife has confirmed that they forwarded this claim to XXXX XXXX XXXX in a letter sent XX/XX/XXXX. I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX and have notified them via phone that I intend to fight this debt collection.
Product: Debt collection

XXXX XXXX XXXX  was my old cellphone provider, paid the installments and the cellphone bill in full before switching over to XXXX. I have a pending charge for a bill I never continued, the customer service was very poor I didnt have a chance to explain my situation and was told it would be put down as a dispute without ever having a word in.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is placed on my credit reports. I have written in to these companies to fix the matter and it has not been done. Most of the information on my credit reports are inaccurate. The proof I have is directly from their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with Credit Acceptance Corporation through the law firm XXXX XXXX XXXX. The date is XX/XX/22. I have documentation showing that they agreed to it being settled and closed. since then Credit Acceptance has continued to report debt and further late pay info. I attempted to dispute it XX/XX/22, and they denied my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report today XX/XX/19 and I saw that there are four inquiries that I never made. The inquiries are the following. XXXX XXXX XXXX XX/XX/19, XXXX XXXX XXXX XX/XX/19, XXXX XXXX XX/XX/19, XXXX XXXX  XX/XX/19. None of those inquiries are mine and I did not allow anyone to run my credit. I did not authorize those companies to run or access my credit nor do I have any written/verbal contract of any sort with any of those companies. I don't know who is responsible for this but I have already filed a police report in hopes of getting to the bottom of this and to clear these inquiries off of my credit.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
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 USC 1681 Account name XXXX XXXX XXXX XXXXXXXX Account namXXXX XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX  XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : 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 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 rimes 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

This complaint is about my Business Citi Money Market Account and the account bonus of {$1500.00} realted to my Buisness checking and Business Money Market account. I opened both buisness checking and business money market account on XX/XX/year> and deposited {$100000.00} to my Citi business money market account on XX/XX/year>. 

According to the terms and conditions, and I also confirmed this with Banker before I deposited the amount of {$100000.00} that as long as I have funds deposited within 45 days of account opening and then keep those funds ( in this case {$100000.00} ) for 45 days or more, I will get {$1500.00} bonus. I have not received the bonus even though I met all the terms and conditions of this offer. I have also attached a pdf of this offer with this complaint. 
Further, upon checking my money market account, I realized that I was charged service charge of {$0.00} on XX/XX/year> and another service charge of {$0.00} on XX/XX/year>. I went to a branch near me and inquired about this issues but never got any response. 

I would like to get these issues resolved in timely fashion. Looking forward for the reply.
Product: Debt collection

I am writing to dispute a debt that I believe is invalid. I had job loss insurance on the credit card account associated with this debt. I lost my job prior to the COVID-19 pandemic and immediately notified all my credit card companies, including the original creditor for this debt, of my job loss and the existence of this coverage. 

I was assured by the original creditor that the appropriate steps would be taken to resolve the debt under the terms of my job loss insurance. I provided documentation proving my unemployment at their request. Despite this, the debt remains outstanding. 

I have made repeated attempts to resolve this issue with both the original creditor and your company, the current debt holder. Unfortunately, these attempts have been unsuccessful. Specifically, I requested a copy of my original contract, which would clearly demonstrate the job loss insurance coverage I had paid for over several years. Both the original creditor and your company have refused to provide this documentation. 

I believe this debt should be closed due to the job loss insurance coverage in place at the time of my unemployment. I am requesting that you investigate this matter thoroughly, provide me with the requested contract, and cease collection activities immediately. I am prepared to provide further documentation if necessary.
Product: Credit card

I received a letter from Chase Card Services saying that I was denied for an credit card account, which I never applied for. I have contacted my credit reporting agency and waiting to hear from Chase Bank on the fraud/ identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, my husband and I met with XXXX XXXX from PNC Bank located at XXXX XXXX XXXX, XXXX, MD XXXX at XXXXXX/XX/XXXX. We inquired and submitted a loan application for a personal loan in the amount of {$8000.00} and wanted to increase my husband 's credit score, thereby, asking for the loan to be in my husband 's name as the primary borrower and myself as the secondary borrower since I had great credit. The loan was denied based on my husband 's credit score. We met with XXXX XXXX again on XX/XX/XXXX at XXXX and completed another application with myself as the primary and my husband as the secondary borrower and the loan was denied due to my husband 's credit score which baffled us. Prior to XX/XX/XXXX, I applied a third time for the loan by myself and it was denied due to too many inquiries from PNC, which baffled my husband and I again. XXXX XXXX contacted the underwriter department to ask for an explanation of the denial and he persuaded their decision, and it was reversed. On XX/XX/XXXX, I met with XXXX to pick up the check in the amount of {$8000.00}. I noticed the interest rate was 17.135 % and asked for an explanation. XXXX gave me the phone number to the consumer loans underwriter department, and I called them on XX/XX/XXXX regarding the explanation of the interest rate. I was given the complaint # XXXX and was told someone will call me back in a few days. PNC called me on XX/XX/XXXX and XX/XX/XXXX regarding my concern and I was told that loan rates are applied based on zip codes as well as the computer algorithm decides the rates for the customer. I questioned both procedures and didn't get an answer. I was finally informed that PNC don't have the personnel to review and approve all the loans, thereby, the computer assists in that area. I strongly believe the loan rate should be around 9 - 13 % based on my credit score of XXXX and not a predatory rate of 17.135 %. I asked for a follow-up call regarding this issue and haven't heard back from PNC. Also, I noticed on my Credit Monitoring report that the PNC {$8000.00} loan has increased to {$8000.00}, which is false.
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 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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.