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

On XX/XX/XXXX, I called Lendmark Financial Services via phone, spoke to XXXX at the Credit Bureau Information desk. Lendmark was erroneously reporting information to all three credit bureaus that they did not receive payment for XX/XX/XXXX which I immediately disputed. I spoke to both the supervisor and XXXX at Lendmark, submitted supporting documentation that proved all payments to Lendmark were paid on time and my account was in good standing. I was assured by both XXXX and the supervisior that the error would get corrected with all three credit agencies. It is XX/XX/XXXX, XXXX is still reporting that I missed a payment. In fact, there was a third party vendor that was making payments on my behalf, my account was transferred to a different company. As a result of the transferred account, the XX/XX/XXXX payment was submitted to the wrong address, was corrected in late XX/XX/XXXX. Again, after explaining the details to both XXXX and the supervisor, I was again assured that the derogatory flag on my XXXX report as well as the other reporting agencies would get corrected. I have repeatedly reached out to XXXX several times to resolve this matter amicably, the matter has gone unresolved. Any assistance you can provide with regards to this matter, would be greatly appreciated.
Product: Credit card or prepaid card

Chase bank closed four of my credit card accounts for no reason given at all.
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer report from XXXX XXXX XXXX and I have received copies of my experian, XXXX, XXXX XXXX reports and they have not done as I have said as a federally protected consumer and I need you to go after these cra 's and get them to provide the written consent that i authorized these reportings. I have a right to privacy and I have a right to safety, and I have been violated and each unauthorized reportings are in violation of the FCRA. 
There's several inaccurate marks that are damaging my name, I am being damaged daily and these violations because each violation is XXXX per remark. This is causing me XXXX XXXX and a lifetime of damage for pain and suffering. It is illegal to report transactions that are not approved and with my written consent. I appreciate you for stepping in and making sure these agencies are following the law and they MUST compensate me for this abuse and violations of my private information. Pain/ suffering is also a fee that they will need to compensate me for. 

I have attached the report that shows all the inquiries that must have a written consent for every single reporting. 15 usc 1681 FCRA : 1974 privacy act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The following accounts have violated my rights : XXXX : XXXX XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy " There is a need to ensure 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 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer 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 ) states 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer report : Credit Bureaus Data acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX Dept of ED/XXXX  acct # XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX, XXXX, XXXX, pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''.

Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. 

On XX/XX/year> I sent a letter to all 3 consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. XXXX and XXXX both came back with my personal information being validated. The incorrect is as follow : Names Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX I also asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX was removed/Deleted from XXXX but not XXXX and XXXX meaning the information on my consumer report is incorrect. 

Debt of Ed/ XXXX was removed from XXXX but not XXXX and XXXX meaning the information on my consumer report is incorrect. 

Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Product: Debt collection

Email sent to Global Trust Management LLC : I received a call yesterday ( XX/XX/XXXX ) from someone ( female ) indicating they are a subcontractor of your agency ( Global Trust Management LLC ) regarding a debt from XXXX XXXX XXXX  // XXXX XXXX I explained to your representative that I do not ever recall having any activities or taking a loan out with XXXX XXXX XXXX Your representative refused to listen to me stating that if I did not pay a debt which was around {$900.00} today that I would be sued and an additional {$2500.00} would be added to the debt. As I explained to your representative I need to verify this debt as this is the first time I am hearing about it and I am not just going to pay your agency money on the spot as this is straight up extortion for money, as I do not recall ever having this loan/debt which according to your representative was from XXXX. She provided me with a telephone number for XXXX XXXX XXXX who I called and the person stated the debt was only {$580.00} ( {$500.00} original loan and {$85.00} late fee ). The XXXX XXXX XXXX representative also said that if someone was asking for more than the original debt it may be a scam and not to pay it and that they do not have anything to do with XXXX. I called your representative back and explained this to them, they got extremely nasty with me stating they would have law enforcement serve me paperwork and she would have me taken to court. I told her I wanted more information to determine if this debt was mine and she again got nasty saying " that is fine, we will move forward with suing me and putting a lien on my social security number. '' As I explained to your representative, if this debt is mine I would be happy to pay the {$580.00} that XXXX XXXX XXXX alleges is my debt, however, I want information to prove this is my debt. As I explained to both XXXX XXXX XXXX  and your representative, I have been the victim of identity fraud in the past by someone who lives in XXXX, FL who uses my social security number, and have had my information stolen several times from various data breaches such as the U.S. Govt Office of Personnel Management, etc. so I am not sure this is a valid debt on my part. With that being said, I want your agency to stop attempting to extort money from me via harassing threats and I want your agency to provide me via mail that this is in fact my debt. If this information is provided to me verifying this is my debt, I will agree to pay the {$580.00} in a lump sum payment. Additionally, I want your agency to stop calling relatives of mine and my working location in which your agency is providing them information about me to include that I have a debt ( which is unverified ), and that legal action is pending against me, which is a violation of FDCPA. I only wish to be contacted via the mailing address and cell number I provided your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Inquiries on Credit ReportI am writing to dispute the unauthorized inquiries that appear on my credit report, as I recently received a copy of my credit report from your agency. I have identified several inquiries that I did not authorize, and I request that you remove them promptly. The details of these inquiries are as follows : 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 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 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/XXXX I have thoroughly reviewed my records, and I do not recall authorizing any of these lenders to perform a hard inquiry on my credit report. As per the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that you conduct a thorough investigation into these items and remove them from my credit report if they can not be verified by the respective creditors.

I kindly request that you complete this reinvestigation within 30 days of receiving this letter, as mandated by 15 U.S.C. Sec. 1681i ( a ). It is crucial that my credit report accurately reflects my creditworthiness and financial history, and the presence of these unauthorized inquiries undermines the integrity of the report. 
Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this dispute. Should you require any additional information or documentation from me to conduct the investigation, please inform me promptly. I can be reached at the contact details provided above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested validation of debt and received no response. Requested for debt to be removed from credit due to no validation without a response.
Product: Bank account or service

I deposited check number XXXX for {$9600.00} into the above referenced account on XXXX/XXXX/2017. A hold was placed on {$4600.00} immediately, with {$5000.00} depositing into my account however, the check needed to be verified by the maker. Capital One attempted to contact the company I work for, however was unsuccessful and immediately blocked access to my funds by closing my account, and saying the check is fraudulent. I have since attempted several times to get the bank to reinstate my account as the funds have cleared XXXX ' bank account, as verified in the email displayed below. Capital One is holding onto my funds and will not release them. I want reinstatement of my account or open a new account with Capital One 360 ; and as the last resort, send a check to me. These funds are for contract work I do for a XXXX XXXX, XXXX. Included is the check stub for this deposit, the invoices related to deposit and screenshots of my account online. One more note, why would interest still post to my account if it is closed?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$39000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

Fraudulent charges- $ XXXX lost. It was transacted out of my account XX/XX/year> - {$10000.00}
Product: Credit card

While reviewing my annual 2024 spending summary for my Chase Visa account, I noticed in the " Most Spent '' category a single, line-item annual summary of charges for a vendor called XXXX, a XXXX XXXX XXXX XXXXXXXX XXXX. ( I live in Ohio. ) This summary showed XXXX transactions totaling {$290.00}. 

Re-reviewing each monthly statement of 2024, I saw no transactions for XXXX at any point during the year. 

I first used Chase Bank 's Secure Message option to inquire. In my initial inquiry, I mistakenly referred to my XXXX XXXX 2024 summary, which understandably caused confusion on the part of Chase, which followed up on this point. To my subsequent reply, I was then advised to call Customer Service. ( Screen shots of both Chase email responses are included. ) My initial customer service agent, XXXX, had limited access to my account information. She found no transactions for XXXX, but could not see my XXXX XXXX. She did assure me that I had XXXX liability in case of retroactive fraud. She further advised me to go to a bank branch for assistance ; I asked instead for a supervisor. 

The supervisor, XXXX, was similarly unable to explain how I was charged {$290.00} throughout 2024 for transactions that did show up on any monthly statement. He said his department would investigate the matter, and I would receive a response within 7-10 business days, most likely by letter. He was unable to tell me if I'd been charged {$290.00}, nor was he able to assure me I would have no liability in the event that these charges had been levied against my account without being itemized in any monthly statement. 

I understand that Chase Bank is conducting an investigation, and that the matter remains outstanding. I am nevertheless filing this report proactively because I do not want to be liable for charges that I can neither dispute -- since no transaction records appears available, even to the bank -- nor be assured I didn't already pay. 

XXXX, the supervisor, did say ( and, as a retired journalist, I took detailed, verbatim notes during our conversation : " I've never seen this happen before, it is very alarming. '' I am attaching screenshots of both replies from Chase through its Secure Message system, as well as a screenshot of the Annual 2024 Summary which shows XXXX  as among my " Most Spent '' vendors of 2024. 

Thanks you for your assistance in this matter. I hope you are able to assist me before the incoming XXXX tampers with your much-valued agency.
Product: Credit card

On XX/XX/2024, I called Care Credit to find out why, despite paying {$100.00} every month when the minimum payment was only {$62.00}, my balance was not going down. The representative went through my bill and told me that the interest was {$38.00}, and the 'credit card insurance ' was {$30.00} per month. I asked him what was the 'credit card insurance ' fee as I was never aware of this monthly charge. He said when you get a Care Credit credit card, that is automatically added and that I would have to 'opt out ' to get it removed. 

This was news to me and I was shocked. I had not idea as this was never told to me at all. I would NEVER have agreed to an additional {$30.00} per month for credit card insurance. I thought that was outrageous that they did that. He mentioned he would remove that charge but I should call the company who provides that service and he gave me their number. 

I then called the company and asked what was the name of this company and she said the company name is XXXX XXXX. The rep there mentioned that I 'opted in " for this additional charge and service. I told her that is not what Care Credit just told me as they told me I was automatically enrolled in this and I was to 'opt out ' if I did not want it. 
I said, " how would I know to opt out of this if I had no clue about it in the first place ''. 
So two different stories from each company as to how I was 'enrolled ' in this nonsense credit card insurance. 

I told in NO WAY would I have ever agreed to opt in for type of additional service. Never would I agree to have a {$30.00} dollar per month charge added to my bill which also, drives my interest rate up further. I struggle to pay my monthly bills as it is and in no way would I ever agree to such a charge. She then mentioned I 'checked the box ' on the application. I asked for that proof as I know I would have never opted for that. She told me she would be willing to give me a {$390.00} credit back. I initially said yes and we hung up. Within XXXX minutes, I called back and asked for a full refund as I know I never opted for this service and wanted a full refund. I told her I feels as though I got scammed. 

I had done the math and discovered it was at a minimum of {$1500.00} that I was scammed out of and that did not include the interest rate. This amount would practically pay off the entire amount I owed to Care Credit ( Synchrony Bank ). I also mentioned I was going to report this as it is fishy. They told me they were going to escalate this to see if I would be entitled to a full refund and I should know within 30 days. 

I want to also make consumer finance aware of this as I could only imagine there are several other people like me who do not know the company did this. 

Please note - this is regarding Care Credit card. However, they outsource the 'card insurance ' to a company named XXXX XXXX XXXX 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Contacted Bridgecrest over the weekend and asked many many questions. I have paid over {$7000.00} on this auto loan since I got in back in XXXX of 2022. The APR is around 22 % or so. Every month when I make a payment my principal balance NEVER decreases and I assumed it was due to some tech issue on their website. 

I asked for a full accounting of all the assessed interest charges and haven't received it yet, they merely sent me a payment history. They are refusing at this point to show how each day since contract inception has accumulated interest and how payments are applied to the balance. What they sent me has not shown that and at this point I feel that Bridgecrest is intentionally hiding it. 

I ran this same loan against an online calculator and there's no world where every dollar of every payment for XXXX years is pure interest, something is fishy with all of this and they refuse to provide why the principal is not going down. The loan is simple interest therefore there should be no front-load of interest.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a bill from a XXXX nearly two years prior. After multiple billing mistakes on their part, they were paid over {$1300.00} two years ago. Now the are producing another bill for {$120.00}. They were never able to provide documentation that I am liable for this. I never agreed to pay this. It was turned over to Money Recovery Nationwide and has been placed on my XXXX  report as delinquent. Money Recovery Nationwide never provided supporting docs for this debt. All they provided was a general consent to treat form from the hospital ( XXXX XXXX ) not the XXXX. <P/>XXXX and XXXX have already investigated this case and have removed this item from my credit report.
Product: Debt collection

I have check my credit report and it said that I owe this agency {$750.00} from a verizion account that I do not have and this agency have been reporting this account to these credit companys and now my credit is starting to decline
Product: Checking or savings account

I have direct deposit with Wells Fargo. They promise a two day early deposit but they hold my check if my account is negative. They would hit me with a overdraft fee first and then deposit the check. This happens every week, I have spoke with a banker and was told that my deposit has not cleared yet or was not verified but when I get hit with the fee, then all of a sudden my check is verified and deposited. My charges does not go through in order. I could make a small purchase for maybe {$10.00} and then a purchase for {$50.00} and they would process the {$50.00} payment first trying to catch you with a overdraft fee for the {$10.00} payment. Wells Fargo is a bad bank and is very untrustworthy but they claim they are here to help the customers.