23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Dear ALLY BANK Pursuant to 15 USC 1681A ( K ) your company ALLY BANK have taking adverse action against me On XX/XX/26 XXXX Clearly where federal law states it is a violation of my consumer rights, its clearly states 15 USC 1681 B ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit. it doesnt mentions a denial of credit it only mentions being denied for insurance or employment 15 USC 1681 A ( K ) ( i ) ( ii ). Your company used my credit card ( AKA SSN ) 16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. In a consumer credit transaction 12 CFR 1002.2 ( h ) Consumer credit means credit extended to a natural person primarily for personal, family, or household purposes. I did not received & benefit in this transaction which is identity theft Pursuant to CFR 1026.12 ( B ) ( 1 ) ( i ). Your Company ALLY Bank said in there letter that the reporting agency played no part in your company decision and cant supply specific reasons of why ALLY BANK denied me credit and then False and Misleading me the Consumer by saying your company ALLY BANK decision was based in a whole or in part on information that came from the consumer reporting agency. Pursuant to ECOA ( Equal Credit Opportunity Act ) Regulation that aims to give all legal individuals an equal opportunity to obtain loans and other types of credit from financial institutions/ lenders under Title 15 your company ALLY BANK are prohibit by lenders in any aspect of granting credit to an individual. The acts purpose is to prevent lenders from using race, color, sex, religion or other non- creditworthiness factors when evaluating a loan application, establishing terms of a loan, or any other aspect of credit transaction. Organizations that have shown a pattern of discrimination can have lawsuits brought against them by the Department of Justice. CFR 1002.7 Rules concerning extensions of credit ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis ALLY BANK your False and Misleading me the Consumer your company accept my credit application but claim Your company ALLY BANK denied me the consumer credit Im giving you a opportunity to cure this matter 15 USC 1691 ( b ) Activities not constituting discrimination It shall not constitute discrimination for purposes of this subchapter for a creditor ( 1 ) to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination of credit-worthiness ;
Product: Checking or savings account

CitiBank has closed my account without reason sinceXX/XX/XXXX to date, XX/XX/XXXX I have not received my account balance since closure.
Product: Payday loan

I 'm an attorney. I represent XXXX XXXX. She has received false threats of lawsuits and garnishments from a company called Fitzgerald, Goldman & Associates. After witnessing FGA make these threats to my client during the course of a telephone conversation, I interjected and asked for their address and the account number upon which they claim to have filed the lawsuit. FGA repeatedly refused to provide their address or the account number for the alleged debt. 

I sent a notice of representation, which they ignore. They have no license to collect debts in Florida, and their behavior violates the FDCPA and numerous other laws. It is unknown whether the account ( which is unidentified ) is valid or not. 

I have tracked their corporate address to be Fitzgerald, Goldman and Associates at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX and their registered agent to be XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, MD XXXX. The phone number for FGA is XXXX XXXX XXXX and XXXX. They have blocked my office number ( meaning the call does n't even ring when I call ) and I can only reach them by changing the phone from which I call. 

XXXX XXXX XXXX ( name obtained via their phone mail system ) flatly refused to discuss the alleged lawsuit with me even after I sent a letter giving notice of my representation. This firm is engaged in a criminal operation to scam consumers into making payments to them. 

My contact information is : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Product: Credit card or prepaid card

I tried closing my credit card account XX/XX/XXXX. The company was to return my prepaid deposit. Still have not received and the company is no longer taking calls due to COVID-19
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of the following account and inquiry from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The information below pertains to the affected account and inquiry : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND TIME DISPUTING FRADULENT ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT. Once again I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX -XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AAS debt recovery, inc is reporting a balance of {$600.00} on my credit report. I have asked for a detailed description of what this is that they believe that I owed them or any company that they are trying to recover these funds. I HAVE NOT RECEIVED ANYTHING FROM AAS DEBT RECOVERY, INC IN A DETAILED DESCRIPTION WITH MY SIGNATURE. When speaking to a representative from AAS DEBT RECOVERY she asked for personal information that has nothing to do with what Im calling about and she hung up on me.
Product: Credit card or prepaid card

I spoke to a rep by the name of XXXX two weeks ago to get my account situated as far as not receiving statements at my house the representative informed me that they weighed my late fees brought my account to a current status with a payment not due until XX/XX/XXXX at this time the rep XXXX inform me that my account was current no payments were due and my next payment was due for {$40.00} in XX/XX/XXXX I just received alert on my credit report showing me 30 days late and saying I have a balance due of {$260.00} the information is incorrect
Product: Credit reporting or other personal consumer reports

Details of the Complaint : XXXX. Summary of the Issue : I am writing to file a formal complaint against Credit Acceptance for their improper credit reporting practices during the COVID-19 pandemic. Despite entering into a payment accommodation agreement with them due to the financial impacts of COVID-19, they have reported my account as delinquent, which is in direct violation of the CARES Act provisions.

2. Background : - Pre-COVID-19 Account Status : My account was current before the COVID-19 pandemic. 
The attached transaction history will show that we made our monthly payments between the months of XXXX and XX/XX/XXXX - Accommodation Agreement : During the pandemic, I received email communication from Credit Acceptance indicating they were providing relief options. I contacted them and agreed to make half of my monthly payments as a temporary accommodation. ( Email is attached ) - Issues with Reporting : Despite this agreement, Credit Acceptance began reporting my payments late, starting in XX/XX/XXXX ( I believe this is contrary to the requirements of the Cares Act ). In my XXXX report, as of XX/XX/XXXX, they reported me as 150 days late which shows an outside reviewer that we were delinquent from XX/XX/XXXX during the accommodation period of the Cares Act. To date, my credit report still reflects that I am 180 days late, despite having adhered to the payment arrangement. ( See the credit report attached that reflects this ). 

XXXX. CARES Act Provisions : The CARES Act stipulates the following protections : - If an account was current at the time of an accommodation, the creditor must report it as current to credit bureaus. 
- If an account was delinquent, the creditor should maintain the delinquent status but not report further delinquency during the accommodation period. 
- Once the account is brought current, it must be reported as current. 

XXXX. Request for Resolution : We request that the CFPB investigate this matter and ensure that Credit Acceptance corrects my credit reports to reflect that my account was current during the accommodation period, per the CARES Act requirements. The incorrect reporting has severely impacted my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed that there are multiple errors when it comes to my personal information. And I need all of this fixed immediately. 

My only name is : XXXX XXXX XXXX My date of birth is : XX/XX/1984 My Social Security number is : XXXX My only address is : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX My only phone number is : ( XXXX ) XXXX Any personal information other than the information listed above is inaccurate, fraudulent, and I do not recognize it. Therefore, I want the personal information listed above to be the only personal information that appears on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau : I am writing to formally dispute inaccurate information on my credit report that is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am the principle owner of XXXXXXXX XXXX XXXXXXXX. We are an online seller of skull rings and jewelry. We recently had a claim from one of our former payment processors, First Data now owned by Fiserv, that our account experienced " Laundering '' activity. This has apparently been happening to several businesses according to the company that helped us obtain processing. We believe this is a generalization made with no solid evidence of " laundering '' activities as they shut down processing for several businesses in a very short time frame. We have no form of laundering as we are an online retailer that sells rings to customers located in the United States. We would like for this judgement of our activity to be removed from our history as it is impacting our ability to obtain additional processors. We stand behind our business and have done no act of laundering. Please help us remove this illegitimate claim from our reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car that was financed through XXXX XXXX was totaled in XXXX, 2021. My insurance company XXXX XXXX ) paid off the balance on XX/XX/2021 ( XXXX ) After XXXX  was paid, as noted on the Trans Union report, they reported to the credit reporting agencies that they had repossessed the car. My credit score dropped severly and I have been denied credit several times.
Product: Bank account or service

Yesterday, we loaded XXXX for XXXX. We used the feature to download account information and transactions from Wells Fargo Bank, which worked well. Then we received an email from Wells Fargo saying our account would be charged for the download service. We had no idea that there would be a fee, given how quickly and easily we clicked buttons to perform the automatic, electronic accounting, during which no fee opt-ins were generated. So we called Wells Fargo today and said we did not want to use the service or be charged for it. The call center lady transferred us to the XXXX specialist, who said there was another way to download the data via XXXX servers, at no charge. The XXXX specialist walked us through the setup, which required precisely the same steps we originally used. We asked what she did on her side to now make the service free. She said that she had not changed anything. We thanked her for making the service free, and asked whether the call was recorded. She said it was. We then requested that she print the transcript and send it up the Wells Fargo chain, since they 've recently been slammed for setting up XXXX unauthorized credit card users, with a penalty of XXXX. If Wells Fargo wants to be successful at bait and switch, at least they need to learn how to do it right. Seems they are getting fatter and happier, knowing they are too big to jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS-NEXIS I have did more research and conducted my own investigation and right at the end of XXXX of your our complaints via CFPB your company present this!! 

of credit reports from the XXXX nationwide consumer reporting agencies- XXXX. XXXX, and XXXX - and follows the reinvestigation requirements outlined in the Fair Credit Reporting Act ( " FCRA '', 15 U.S.C. {$1600.00} et seq. ) for disputes of the information therein. LexisNexis must submit disputes to the originating consumer reporting agency and forward the results received from the nationwide consumer reporting agencies to the consumer when the nationwide consumer reporting agencies complete their reinvestigation Under the FCRA, XXXX XXXX 's has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. 
Add a statement to his file disputing the accuracy or completeness of information. The statement will remain on file and will be furnished to recipients of the file as long as the disputed information is still used ; and Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him to whomever has received a LexisNexis consumer report for employment purposes within the past XXXX years or received a LexisNexis consumer report for any other purpose in the past XXXX months ( XXXX months for residents of Colorado, Maryland, and New York ). 
If XXXX XXXX 's has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time Thank you for allowing LexisNexis the opportunity to assist XXXX XXXX. 

But however LEXIS-NEXIS you indicated on multiple CFPB complaint/disputes that you had remove the public record so how are you reporting back to the major XXXX XXXX XXXX XXXX XXXX that you are continuing to verify this information! And then XXXX of the pending disputes right now Ill ask you in urge you to go into XXXX XXXX and XXXX XXXX and have these accounts removed immediately because I know you can do it based on your last statement thats listed above about you must and have to report back to the major XXXX because if you no longer have this information youre in violation of the FCRA because either youre lying to me about having removed public record XXXX removed from my files or you are doing some illegal reporting again I urge you to have this removed from XXXX XXXX XXXX XXXX immediately and I know you can do it because you are required to report back to them you cant verify anything that you claim you deleted! Priceless!!
Product: Prepaid card

This is the second card I've dealt with from Amex. The first time I tried to use it at XXXX ( for a purchase less than the card 's balance ) and the account immediately got shut down. They mailed me another card, as the person on the phone claimed they could not open the account back up, and the only merchant I've been able to use this card at is XXXX XXXX. I've tried online multiple places, but I've been hesitant to try in-store again, since last time they shut down the account, and I don't want to wait another week for another card that doesn't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have an inquiry on my report from navy federal that I never applied for. The information is inaccurate and I would like to have this inquiry removed and corrected
Product: Money transfer, virtual currency, or money service

A transfer was not available as promised with the reference number of  XXXX  using  MoneyGram c ompleted on  XXXX / XXXX / 2017 .  XXXX  in  XXXX   XXXX  proceeded to pick up the transfer and had problems. He was told to contact me and have me call in  MoneyGram  at  XXXX   XXXX   XXXX . Today  XXXX / XXXX /   2017  I called in and spoke with a female customer service representative that stated she would do a refund which was not my request. I told her I did not call for a refund. I called to have the error fixed with the recipient picking up his transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address reporting on my reports that has never been associated with me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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
Product: Credit reporting or other personal consumer reports

The issue is due to reoccurring inaccurate credit reporting : The bank reported out twice 30 days past due to the credit bureaus. The first time they corrected the erroneous information swiftly to reflect the account as current. Presently the mortgage is under a forbearance payment agreement and payments under this new plan have been paid on time. However, they reported out again 30 days past due which is inaccurate and fraudulent as it does not reflect my current forbearance plan which is paid as agreed. I brought this to their attention and they refused to correct the inaccurate information. When I stated that this violates my rights and the law they stated that it was their right to do so.
Product: Vehicle loan or lease

I called in on XX/XX/XXXX to pay the past due balance on my truck loan {$3000.00} that was in collections. I had funds on hold so the representative set up a pre auth for me. She set it up to my RV loan and not the truck loan. I then called back on XX/XX/XXXX to let them know the payment was applied to the wrong long. They had to put in a dispute for me that takes up to XXXX business days to move it from my RV loan to the truck loan. On XX/XX/XXXX I called back cause the funds were moved from my RV loan to my credit card. They told me they would have to put in another dispute to have this moved from my credit card to my truck loan. That was supposed to be done on XX/XX/XXXX. I have called in multiple times as of today XX/XX/XXXX nothing has been done to have this fixed an applied to my vehicle loan. This is effecting my credit as well.
Product: Credit reporting or other personal consumer reports

The credit bureaus stated that my account was properly investigated ( BANK OF AMERICA- Account number XXXX ). I dont understand how that could be true when I have found multiple inconsistencies. The balance updated date is inaccurate, the number of months is incorrect, the last pay date is inaccurate as well as the account type. All of these are inaccuracies and by law is grounds for removal, my rights under 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus have been negligent and have taken over 30 days to complete my investigation. They have also been closing the investigation without a response. They have recently closed my complaint stating that they could not find a credit file for me? How could that be true when they are reporting information on my credit file? Please remove this account off of my report due to negligence and inaccuracies!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX  Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 
XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 
XXXX. XXXX Account Number : XXXX This is not mine. 
XXXX. XXXX XXXX XXXXXXXX XXXX 
Account Number : XXXX This is not mine. 
XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX XXXX
Product: Debt collection

ARS is claiming that I owe them {$370.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.