23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase offered a {$2000.00} bonus payment for maintaining a {$250000.00} balance in a new account for 40 days. We followed the directions and met with a chase representative, who led us through the process and said that we met the terms and conditions. We have maintained this balance since XXXX yet Chase is refusing to honor the bonus payment. 

The Chase representative, XXXX, is now saying that she made a mistake and the account we opened should have been in a different category. She is the one who advised us on the account we should open, gave us the code to use, and maintained that our account met the terms. If Chase is not honoring this payment now this is fraud.
Product: Credit reporting or other personal consumer reports

I've sent multiple dispute letters to the credit bureaus and they declined and said because my letters were too well written that there's no way i wrote them
Product: Debt collection

I XXXX XXXX would like to negotiate my remaining creditors and avoid filing for a Chapter XXXX  bankruptcy. I request the following conditions be part of my negotiation process as part of my rights under the Fair Debt Collection Practices Act. My conditions are as follows : 1 ) All calls to my home, cell and work cease and desist immediately.

2 ) That all correspondence be by direct mail to my home or by email to XXXX. 
3 ) That a reasonable offer in compromise or lump sum settlement be offered. 
Thank you for your consideration in this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. 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.
Product: Vehicle loan or lease

The car was XXXX. I paid XXXX XXXX and XXXX a month for a 2017 XXXX compass. The interest rate was 24 %, with the interest the total was almost XXXX. I paid all my payments on time. I lost a contract with a client I had due to an employee I hired. 

Long story short I fell behind ended up owing about {$1200.00}, I made a payment arrangement with the company to pay in full. When I payed in full, the company still came and reposed my car. Left me careless and took all the money I had. They really left me in a bad place. I was doomed from the jump. Should be a limit on interest even if the customer has bad credit. XXXX. I would have been had the car paid off already if it was for that high interest rate. Mind you I put down XXXX and was paying XXXX a month, yall do the math. Car was paid off honestly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to get this issue resolved asap! I need them to read the letter that was sent and to note that XXXX phone number XXXX is no longer in service so there is no way we can call them direct to get it fixed. These credit reporting agencies are reporting and claiming to verify these accounts through a closed company. These accounts have a XXXX balance as shown by the Department of Education and XXXX wo is the servicers of the student accounts.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Product: Mortgage

Our homeowners insurance was not paid by Carrington from our escrow account, resulting in the cancellation of our policy. We were not made aware of the cancellation until we received a letter today from our insurance company.
Product: Credit reporting or other personal consumer reports

RE : Revocation of Consent to Report Consumer Information & Notice of FCRA Violations Pursuant to multiple federal consumer protection statutes, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I hereby assert my rights as a protected consumer and formally notify you of the following : Statutory Basis for Consumer Privacy Protection The FCRA ( 15 U.S.C. 1681 ( a ) ( 4 ) ) explicitly recognizes that consumer reporting agencies must " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This fundamental protection is reinforced by 15 U.S.C. 6801, which mandates that financial institutions maintain " an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Requirement for Written Consumer Consent Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reports may only be furnished " in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that I have not provided written consent to either Equifax, XXXX, or [ Furnisher of Information to Credit Agencies ] for the reporting of my consumer information. 
Revocation of All Forms of Consent I hereby explicitly revoke any and all forms of consent - whether written, verbal, implied, or otherwise - previously given or assumed by Equifax, XXXX, and [ Furnisher of Information to Credit Agencies ] regarding the furnishing of my consumer information.

Violation of Disclosure Requirements Pursuant to 15 U.S.C. 6802 ( b ) ( c ), financial institutions are required to provide consumers with " an explanation of how the consumer can exercise that nondisclosure option. '' [ Furnisher of Information to Credit Agencies ] has failed to fulfill this statutory obligation. 
Reporting of Time-Barred Information Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from reporting " adverse item [ s ] of information ... which antedate [ ] the report by more than seven years, '' except for criminal convictions. The continued reporting of this account information appears to violate this statutory limitation. 

Given these multiple violations of federal consumer protection laws, I demand immediate cessation of all unauthorized reporting activities and the removal of any improperly reported information from my consumer files. 
This communication should be maintained in your records as evidence of my formal revocation of consent and notice of statutory violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file this same domplaint many times with CFPB and XXXX have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I will to see documents showing the company has the right to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 


Collection accounts disputing XXXX XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$140.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Checking or savings account

In the early hours of XX/XX/XXXX, I received several emails from Wells Fargo with regards to an application for opening a checking account. I did not apply to open this checking account. ( I did have a car loan through Wells Fargo that closed in either XXXX or XXXX ). 

Later that day I called Wells Fargo to report the fraudulent account and identity theft. I didn't document who I spoke to or the case number for the report, but in a subsequent call, Wells Fargo confirmed that I had called on XXXX. On my XXXX call to Wells Fargo, I do remember telling the representative that I had received these emails and that I had not applied for this check account. I was transferred to another representative who, I remember this, told me that since the account was still in the application stage, it would be cancelled ; I remember asking the representative if the fraud investigation would be sent to law enforcement authorities, and I was told that it would not be, that the investigation would be handled internally. After the call, I considered the matter closed. 

On XX/XX/XXXX, I received a statement for a Wells Fargo checking account dated XX/XX/XXXX, a month after my initial call to Wells Fargo to report the fraud. 

I called Wells Fargo the morning of XX/XX/XXXX to report the fraudulent account. The representative acknowledged the XXXX call. I was told that the account would be blocked and an investigation would be opened this time. I was transferred to another representative to discuss identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am hereby expressing my right to privacy and this an OPT OUT NOTICE per 12 CFR 1016.7. I am now opting out and rescinding any and ALL authorization, I the consumer may have given you. I mean ANY and all consent whether it be written, unwritten, verbal, implied, and non verbal is revoked per 15 USC 6802.

Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates '' Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. 

According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, " NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore REPORTING transaction history is illegal. 

Also you are not reporting Fair and accurate reporting to my consumer report. 

Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. You are reporting a charge off/cancelled debt which is considered income. Income is not reported on a consumer report. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.

Remove account immediately this account is not in compliance with the FCRA fair and accurate reporting. 
XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the following late payments reporting on my credit report. I believe that these are inaccurate. It is my right to get a fair investigation into this as i have proof that the following late payments reporting are incorrect and believe that they are appearing as an error. I received a copy of my credit report and found the following item ( s ) to be in error : Under 15 USC 1666 Billing Error this account is inaccurate and i did not incur any late payments. Please update this to paid on time. This account was paid and closed i need this to be updated to paid on time with NO LATE PAYMENTS reporting. 

1. Under 15 USC 1666 Billing Error XXXX XXXX XXXX Account Number:XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME I need this changed immediately it is hindering me tremendously from obtaining new credit and needing to make financial decisions. I have also attached my License and Social for proof of identity
Product: Credit reporting or other personal consumer reports

I have rights to ensure that my private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like Equifax and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
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
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Debt collection

National Recovery just reported a {$1500.00} medical debt on my credit report. Prior to reporting this debt to the credit bureaus, I did not receive a notice of my right to dispute. I would have contested the debt, but I wasn't given the opportunity. By reporting this debt on my credit report without a 30 day notice to dispute, they have violated my rights under the Fair Debt Collection Practices Act.
Product: Mortgage

Credit Score Disclosure XXXX Ref. # XXXX. 
XXXX/XXXX/XXXX Prepared by Raymond James Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TID # XXXX XXXX/XXXX/XXXX XXXX Prepared by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX I/we did not apply for a mortgage nor did we ask anyone to check our credit for a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit file. These accounts and inquiries were fraudulently opened or made using my personal information, which was compromised due to a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit report. 
Fraudulent Accounts : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint against Experian for their ongoing unfair and deceptive trade practices. Despite opting out of marketing and non-essential notifications, I continue to receive notifications about my credit score changing. I have repeatedly updated my preferences through Experian 's platform, yet these alerts persist. 

Additionally, Experian 's login system is designed in a deceptive manner. Each time I log in, I am prompted to purchase services or sign up for a paid subscription, even when my intent is simply to access my account. These tactics mislead consumers and create confusion. I believe these actions violate consumer protection laws, including unfair and deceptive trade practices. 

I do not wish to engage with Experian further, yet they continue to send these unnecessary communications. I find this behavior particularly troubling from a credit reporting agency entrusted with sensitive consumer information. 

I request that an investigation be opened into Experian 's practices and that they be held accountable for failing to honor consumer preferences and employing misleading tactics to generate revenue.
Product: Debt collection

I am not liable for this debt of {$1600.00} with XXXX XXXX XXXX Account number XXXX I do not have a contract with XXXX XXXX XXXX, they did not provide me with a purchase agreement to show full ownership of such account and also other documents so I may review.
Product: Credit card or prepaid card

I purchased XXXX items from XXXX XXXX using my XXXX XXXX credit card. The first purchase was on XX/XX/17 in the amount of {$740.00}. I chose the " no interest with payments for XXXX months '' promotion. The second item I purchased on XX/XX/XXXX in the amount of {$290.00}. I chose the " no interest with payments for XXXX months '' promotion. I'm making payments of double the minimum payment due. However, none of my payments are being applied to my promotional balances, which have accrued almost {$200.00} in deferred interest. When I called XXXX XXXX, they said they were doing me a favor by only applying my payments to my regular ( non-promotional ) balance. They further said that they'd apply my payment to my promotional balance in the month that it was due to expire. That would mean that all these months I've been making payments, my promotional balances have not been reduced at all, and, to pay them off, I'll have to come up with the full amount of the original purchases the final month the promotions expire. So, the promotions mean nothing and they're scamming folks into taking these promotions when in fact they're just going to turn around and charge me almost XXXX % in interest when the promotion expires because they haven't applied any of my payments to the promotions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance $ XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Debt collection

Ive already talked to Rooms 2 Go for years about this credit card that my son opened with my name and used without my permission due to injuries sustained while in the serving in the military I was left unable to take care of myself and was at the mercy of my family who multiple people opened account in my name without my permission. XXXX XXXX threatened to sue me even though they were aware of all of this information and even misrepresented themselves as another card company in attempts to get money from me. They have messed up my credit even more and made it very difficult for me in my pursuit of happiness. I currently suffer from 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 Not only has this unjustified action against me wronged me on so many factors but Rooms 2 Go is literally agitating my already severe ailments.