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

This is a follow up on report # XXXX ( 60 days no correction or proof of validation from the businesses ) FCRA XXXX has taken longer than time allowed. They said they completed investigation, but by law 15USC1603 ( Transactions Exempt ) 15USC1692e ( False Misleading ) They have not provided any validation and need to remove the following information showing negatively : I made this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. Item Number Company Name Account Number Comments XXXX. XXXXXXXX XXXX XXXX Account # XXXX - 30 day please delete XXXX. XXXX - Account # XXXX Please delete 3 of the 30 day late. XXXX. XXXX XXXX XXXX Account # XXXX - removing, XXXX XX/XX/XXXX late ( This account is no longer open and active ). XXXX. XXXX XXXX XXXX XXXX remove all 5 late payments XXXX. XXXX XXXX - The account and late payments are in accurate XXXX. XXXX XXXXXXXX XXXX XXXX 30 day late payment. They need to show proof and validate what each business provided. I need to see the business documents provided to Transunion. Otherwise this is Fraud and needs to be removed, deleted and corrected to show positive.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ID TYPE : identification ID # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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. 
What would be a fair resolution to this issue? I am writing to request these accounts are removed from my credit report. of the following information that appears on my Transunion Consumer report.
Product: Credit card or prepaid card

I noticed a credit balance on my account in decemeber. I contacted Chase to understand the reason there was a credit on my account of {$170.00} as of XX/XX/XXXX and they informed me that there was an overpayment. I inquired more and they directed me to submit a balance refund form. I verified that the balance was not a mistake and they confirmed. I filled out the form on XX/XX/XXXX and received the credit on XX/XX/XXXX. 
On my account activity from XXXX there was a reversal of the XX/XX/XXXX payment ( listed as XX/XX/XXXX ). I contacted Chase via phone on XX/XX/XXXX and was informed that there was a mistake and the payment should never have been applied to my account. Due to this I currently have a balance that is owed and Chase is unwilling to allow me to file a complaint or contest the charge. 
They sent me money that they told me was owed to me and are now telling me that it was not my money despite me checking and verifying with them previously.
Product: Student loan

Heartland ECSI serviced my student loan for XXXX XXXX XXXX XXXX, account XXXX. I refinanced my loan, and following the instructions by the lender, I continued making my payments while my refinance application was being processed. The process completed, and my loan was paid off. In the process, there was also an excess payment of {$80.00}. I have been trying to contact ECSI to get this refunded, and I have been getting the run arounds phone tag. They sure are quick to add any unpaid interest and report to credit bureaus for any late payment, but I can't get a simple refund of {$80.00} that is owed to me.
Product: Vehicle loan or lease

Dear Sir Below is my plight with Mercedes Benz both of XXXX XXXX and Mercedes Benz Financial. I have written both the GM and VP of finance with no response. Can anyone help me?? 


My letter to the VP OF FINANCE : Good Afternoon Mr. XXXX, Below you will find most of my issues with XXXX XXXX XXXX XXXX XXXX. Now due to XXXX and not to mention that my husband took a 40 % cut In pay we continued to pay our car based on what they told me. 

Now they said my credit is to bad. Well I bet half of America took a hit. I then mentioned that my husbands CREDIT was strong and he didnt want to hear it. When last time it was no issue. He btw just purchased another Mercedes approximately 6 months ago.

How can you not approve a loan that is {$350.00} less per month but expect me to pay my current payment??

I dont believe that this is how Mercedes treats its customers. I think that XXXX is upset and quite frankly was rude and unprofessional. 


Make it a Great Day!! 
XXXX XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX  EDT To : XXXX Subject : Re : How was your visit at XXXX XXXX XXXX XXXX XXXX 


My Letter to the GM OF XXXX XXXX XXXX : Good Evening Mr XXXX XXXX I got this email from you. I just left your dealership and needless to say I am disappointed in your dealership and let me explain. I signed without ANYONE DISCLOSING that I was paying XXXX for a XXXX car. 

XXXX XXXX years ago we leased a XXXX from your dealership, at that time your Finance Manger XXXX assured us that if we sucked up our large car payment for 2 1/2 years we could come back and trade out of our car NO PROBLEMS. Well even through Covid we pressed on and suffered through pay furlough and so forth. Going on the WORD of your dealership Well we came in today and dealt with XXXX and now we find out that we were deceived. We ended up paying XXXX for this car and we are $ XXXX upside Down?????? 

Now please explain how your dealership does this to repeat customers?? Now you want me to eat this yet again!! 

So I am trying to LOWER my payment and you tell me now I am not credit worthy and because my husband has a car which by the way is a Mercedes bought in your dealership he cant sign. But it was ok for him to sign last time. And my dad who has a FICO score of XXXX wasnt either. Hmmmmmm Huge discrimination!!! 

So I am looking at a 2021 suv and you still cant cover your deceit and want me to pay for your dishonesty. 



Make it a Great Day!! 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I am filing a complaint against American Express due to non distribution of my full reward points upon completing my minimum spend ( completed 30 days after receiving my credit card ).
I have attempted to handle this multiple times via phone as well as website chat but have had XXXX   success. On XX/XX/XXXX I spoke with a chat representative from the XXXX  XXXX  site who informed me that the error is on their side, and that my points would be credited " soon ''. I have attached a screenshot of that portion of the conversation. But that never happened -- so I spoke to another representative via phone support to try and get the issue resolved. That was sometime around the XX/XX/XXXX. On that call, the AmEx representative was able to get my full reward points amount to reflect ( a total of XXXX  points ) -- but those points do NOT reflect in my XXXX  account, which is where I need them to be in order for me to book any type of travel arrangements. It has been 6 months now, and I still do not have my rewards points reflecting in my XXXX XXXX XXXX account. I only show the total amount spent, which is 11,200 roughly. I have included screenshots to indicate that my minimum spend was hit within 30 days of receiving this card, as well as the discrepancy in points reflected in both accounts, and it has been well over the 6-8 weeks that American Express keeps regurgitating to me to wait for these points to appear. I have held up my end of the bargain on this and spent thousands of dollars with their company which they have made money on through company interest fees, and yet they have not held up theirs and credited me these points owed. Please let me know if there is any additional information I can provide on this matter.
Thank you, XXXX XXXX XXXX
Product: Student loan

We have been contacted over and over for the past year by Navient student loans and they say our loan number is XXXX. These are loans we believe we paid under several other companies like XXXX. We have begged over and over for them to PROVE the loans and show us paperwork. They have not provided us that information but harrassed us enough that we are now paying the loan to Navient XXXX XXXX XXXX pa XXXX. We are asking for proof we owe this money as it is XXXX dollars and we just want proof. Can you help us? XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX. If they can not prove, can we get our money back??? The schools that might be involved are XXXX XXXX, XXXX University, XXXX XXXX University, XXXX XXXX University, California. I can not say which school these loans are associated with as they will not provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Data System has violated the FDCPA and FCRA and HIPPA Guidelines. First off my Non-Public Personal information was sold, share, disclose AND ADVERTISED between Medical Data System, XXXX, XXXX, and XXXX. This is Infringement to my Privacy. I recently disputed Medical Data System because laws were broken in regards to my privacy. Medical Data System, Serviced the account on my behalf, which is A violation under FCRA. ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. Also Under the FDCPA Violations were broken as well. ~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. They committed a HIPPA violation by sharing and disclosing my PHI without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I submitted and mailed a certified letter to TransUnion Consumer Relations for which they signed for on XX/XX/2019 regarding negative information reported by XXXX XXXX XXXX, Bankruptcy chapter XXXX-discharge in the file they maintain under my Social Security number. 

I challenged the accuracy, compliance and reportability of the listing and their Method of Verification. 

TransUnion failed to investigate with in the 30 day required by Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ).
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX  : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-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 reason to believe that the information ins inaccurate.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third and final complaint to resolve the credit reporting errors that EXPERIAN has said twice thst they fixed, but didnt! Im seeking monetary damages for the issues having this not fixed! Two loans were denied because Experian listed my sisters credit on my credit and it is still there! I
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX XXXXXXXX dealer I spoke with XXXX who informed me the hard credit check was due to XXXX XXXX XXXX who I didnt authorize to pull my credit report I initiated proof, I also contacted XXXX XXXX XXXX ( XXXX ) spoke with a supervisor by the name of XXXX who stated there isnt much she can do I have to file a dispute and send them a written consent I didnt authorize it. Ive contacted JPMCB AUTO FINANCE ( XXXX ) whom I didnt authorize to pull my credit I spoke with a representative name XXXX and I also spoke with someone by the name of XXXX who asked for permission to view my credit report to see on her end what is being reported because she couldnt see it with social given, I immediately asked her would this affect my credit she said no its on research mode I gave her the OK ( XXXX ) she stated she couldnt find any account with my social or name on her end who also apologized for this inconvenience. I would like for this to be investigated and for these hard inquiries removed from my credit report JPMCB AUTO FINANCE ( XXXX ) XXXX XXXXXXXX VIA DEALER ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) these inquiries werent authorized by myself I was told by XXXX XXXXXXXX it was an online submission however anyone could apply for things online when they have your information, and I ask that they be removed immediately. According to the FCRA The Fair Credit Reporting Act ( FCRA ) protects consumers from unauthorized hard inquiries on their credit reports : If you find an unauthorized inquiry on your credit report, you can dispute it with the relevant credit reporting agency. You can contact the bureau by mail, phone, or online. You can also contact the company that made the inquiry and ask for proof of authorization. Which I asked for and couldnt either company give me proof it was myself who authorized these hard credit checks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been denied credit because of this erroneous information, the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX were not paid late.. I monitor my bills and make sure to pay these accounts on time.
Product: Debt collection

I am writing to formally dispute the debt being reported by Calvary Portfolio Services. I am not aware of owing this debt, and Calvary Portfolio has failed to provide sufficient evidence that this debt is valid. Despite my requests for verification, Calvary Portfolio continues to report this account inaccurately on my credit report, harming my credit score and causing undue stress.

The repeated reporting of an unverified and potentially invalid debt is misleading and constitutes a deceptive practice, in violation of the Fair Debt Collection Practices Act ( FDCPA ). Calvary Portfolio has failed to follow proper verification procedures and has disregarded my attempts to clarify this matter. Their lack of transparency and ongoing attempts to collect this debtwithout substantiating its validityconstitutes harassment and is directly misleading.

I am requesting immediate removal of this inaccurate and unverified information from my credit report, as this account is unjustly affecting my creditworthiness and is unsupported by any evidence provided by Calvary Portfolio. I have asked for proof. Please consider this a formal request for investigation and action to ensure compliance with FDCPA regulations.
Product: Debt collection

I was advised my the XXXX that the debt was with this debt collection company but never received any documentation
Product: Credit reporting or other personal consumer reports

Dated : XX/XX/XXXX Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Email : XXXX Phone : ( XXXX ) XXXX Attorney for Plaintiff COMPLAINT Plaintiff, XXXX XXXX XXXX by and through the undersigned attorney, hereby files this Complaint against Defendant Bridgecrest / DriveTime, and alleges as follows : JURISDICTION AND VENUE This action arises under the Truth in Lending Act ( TILA ), 15 U.S.C. 1635, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

This Court has jurisdiction pursuant to 28 U.S.C. 1331.

Venue is proper in this judicial district pursuant to 28 U.S.C. 1391 ( b ), as the Defendant conducts business in this district and a substantial part of the events giving rise to the claims occurred within this district. 
PARTIES Plaintiff : XXXX XXXX, a consumer residing at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, born XX/XX/XXXX. 
Defendant : XXXX / DriveTime is a financial institution located at [ Defendants Address ]. 
FACTUAL BACKGROUND On or about [ Loan Origination Date ], Plaintiff entered into a credit transaction with Defendant for the purchase of a vehicle. The loan was secured by Plaintiff 's vehicle and governed by 15 U.S.C. 1635.

Defendant failed to provide Plaintiff with accurate material disclosures required under TILA.

On or about [ Rescission Date ], Plaintiff mailed written notice to Defendant seeking to rescind the transaction pursuant to 15 U.S.C. 1635 ( a ).

Defendant refused to honor Plaintiff 's rescission request, in violation of TILA.

Plaintiff is entitled to rescission under TILA and seeks declaratory relief and damages for Defendant 's failure to comply.

CLAIMS FOR RELIEF COUNT 1 : VIOLATION OF THE TRUTH IN LENDING ACT ( TILA ), 15 U.S.C. 1635 Plaintiff realleges and incorporates by reference the preceding paragraphs.

Defendant violated TILA by failing to provide Plaintiff with accurate disclosures regarding the loan terms and Plaintiff 's right to rescind.

Plaintiff timely exercised their right to rescind by providing written notice within the statutory period.

Plaintiff is entitled to rescission of the loan and return of all funds paid, as well as statutory damages, attorneys fees, and costs.

COUNT 2 : VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ), 15 U.S.C. 1681 Plaintiff realleges and incorporates by reference the preceding paragraphs.

Defendant reported inaccurate information to the credit reporting agencies ( CRAs ) regarding Plaintiff 's payment history and loan status.

Plaintiff disputed the inaccurate information with the CRAs, and Defendant failed to correct the reporting, in violation of FCRA.

Plaintiff has suffered damages as a result of the inaccurate reporting, including but not limited to loss of creditworthiness, emotional distress, and financial harm.

PRAYER FOR RELIEF WHEREFORE, Plaintiff prays for judgment against Defendant as follows : Rescission of the loan under 15 U.S.C. 1635 ; Statutory damages under TILA and FCRA ; Correction of inaccurate credit reporting ; Attorneys fees and costs ; Any other relief this Court deems just and proper.
Product: Checking or savings account

On XX/XX/2022, I have added my wife as a joint account holder to my savings and money market accounts. As an online bank, Capital One offers to do that online when the new account holder supplies an email and phone number, which we did. Banking was working fine for over a week ; we made transfers without problems or warnings. Then we tried to make a large transfer from the money market to the savings account on XX/XX/XXXX, which was the point when the bank suddenly locked our account claiming that my wife 's identity had to be verified. The only way to do so would be to provide a " verifiable phone number. '' We had provided her number already at account opening, which works fine and has been used by Capital One to provide her login and online access to the accounts. But Capital One claims that we must wait more time until the phone number is " verifiable in their system. '' They refuse to - unlock the funds ( just under 1mn $ ) until verification has taken place,- provide information on how phone verification would happen,- provide information on how long it will take ( " could be weeks, could be months '' ), - accept physical documents proving our identity ( passports, marriage certificates, phone contract ) in lieu of electronic verification, - accept our proposal to personally visiting a branch office to show documents proving our identity, - accept any other way to proof identity,- have given no timeline of how they will proceed and if the problem will return once the account in unlocked and we will try to make a large transfer once again. 
Though fully willing to co-operate with Capital One, we are given no chance or prospect to have the account unblocked and access our assets, which we urgently need for a home purchase. On the contrary, Capital One has threatened us that all funds may be lost in case the account was opened with fraudulent intent/by providing false information. We have done no such thing and are given no chance to prove it to them.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>