23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : ARS ACCOUNT RESOLUTION I am not liable for two alleged medical debts with ARS ACCOUNT RESOLUTION ( {$1500.00} and {$1500.00} ). I do not have a contract or signed agreements with ARS ACCOUNT RESOLUTION. ARS ACCOUNT RESOLUTION has not sent me any correspondence to my address ( XXXX NJ ), but they are reporting derogatory notations on my credit report. I also did not sign authorization for my medical information to be released to ARS ACCOUNT RESOLUTION. On XX/XX/2023, I sent two separate debt validation letters to ARS ACCOUNT RESOLUTION for two separate accounts. The validation letters were mailed via certified mail and received by ARS ACCOUNT RESOLUTION on XX/XX/2023 and XX/XX/2023. ARS ACCOUNT RESOLUTION has failed to respond to my request to validate the two alleged debts. I am requesting that these alleged debts are removed immediately from my XXXX, XXXX, and XXXX reports -- due to nonexistent contract/agreement with ARS ACCOUNT RESOLUTION, failure to provide correspondence to my address, HIPPA violation ( s ), and failure to validate these alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$220.00XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$25.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$95.00} XXXX XXXX Balance : {$1000.00} XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these four companies dated XX/XX/2019 from the following companies : XXXX XXXX XXXX, First Investors Fin, XXXX XXXX XXXX, XXXX XXXX XXXX. I did not get another vehicle and would like these inquiries removed from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX XXXX 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). Experian has failed to remove a late payment from my XXXX XXXX XXXX  account XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXXXXX account XXXX which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, Experian was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, Experian has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request that Experian urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with Experian and XXXX XXXX XXXX XXXX I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries are on my report i did not authorize these please remove
Product: Checking or savings account

On XX/XX/2019 at approximately XXXX XXXX, I was reviewing my account online and saw two unauthorized charges one for {$190.00} and one for {$220.00}. The charges were transfers out of my account via XXXX, which I do not use to a person I do not know. I immediately called the bank and began the fraudulent transaction process over the phone. I had them capture my debit card and send me a new one. 

I have had no communication from the bank since then and I currently do not have my funds returned or any of the fees that they have charged after returning the items that the {$410.00} were meant to cover. I called the customer service phone number at the end of the first week and all they could tell me was that it was in process. I was able to find a direct number for the fraud department and I called, but the greeting was recorded to dissuade customer 's from speaking with someone. The number is XXXX, I suggest that you listen to the message. The message basically says they have 10 business days and there would be no information available prior to that. 

Today is the 10th business day and since I do not have my funds returned and available for my use and these are definitely fraudulent transactions they are in violation of REG E. This act of fraud against me has certainly caused me much hardship. I have had to contact the creditors that I had paid with these funds. I have had impact to my standing with them and I have returned check fees and late fees that are now applied to my account. I have had to borrow money from family and friends to make ends meet and I am getting collections calls and emails even after contacting my creditors. 

An event that is already awful was made worse by the callous, uncaring, and very unfriendly customer process with this bank. Key Bank did not handle this well at all and once this is resolved, I will be leaving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.SXXXX code 1681c-2 allows the consumer to block and remove information all that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these consumer rights.
Product: Checking or savings account

I got a call from XXXX XXXX, Branch Manager at 1st Midwest XXXX  in XXXX informing me that he is closing out all of my accounts with no logical explanation. My husband and I are senior citizens and have been banking with 1st Midwest XXXX  for over 20 years. We have automatic deposits in that bank and lots of money and investment accounts as well saved there. 

I believe that XXXX and his boss XXXX XXXX are retaliating against me because I filed a complaint due to the poor customer service I was receiving from XXXX and a teller supervisor on XX/XX/XXXX. I reported them as I should have. 

I spoke to XXXX XXXX this afternoon and his logic for cutting ties with me was very confusing, 1. because " he feels that I'm not happy ''. How would he know? 2. He heard that I called 1st Midwest XXXX  racist. I did not. I just asked XXXX when is he going to start hiring people that look like me? He retorted. " They don't apply. '' 3. XXXX XXXX also expressed concern that the bank discriminated against me over an unsecured loan I applied for a loan 3 years ago. It was denied because I was one point off the banks ' standards. When I inquired about my relationship with the bank XXXX still turned me down. So I took out a secured loan. 4. XXXX XXXX finally stated to me that the bank doesn't need an excuse for closing out all of my accounts while causing me and my husband tremendous inconvenience and more pain and suffering. 

Over the years I have had great relationships with most of the bankers at 1st midwest even those that have left. I have pictures at the retirement party of one banker, never had a problem. It's just XXXX and his " special group interest group '' ( 2 women and XXXX XXXX ) that seems to discriminate against XXXX and senior citizens. Why would XXXX XXXX bring up race and use it as a weapon to close out my accounts? XXXX XXXX, I thought, had a close relationship with me and my husband, he knows that we are both XXXX survivors and my husband had XXXX XXXX within this past year. This is a prime example of poor customer service and taking advantage of senior citizens! What he is doing is retaliatory and is going to cause us a great deal of inconvenience and pain and suffering. 

In closing, one thing I know for sure is that XXXX XXXX and XXXX XXXX, representatives of 1st Midwest XXXX, are trying to deny me my " freedom of speech '' by retaliating against me for reporting poor customer service while throwing everything but the kitchen sink to justify their unprofessional behavior. This is/should be unacceptable in any community in the United States of America. XXXX is a diverse and friendly community our motto is " A Place To Grow. '' as a 30-year resident here I'm accustomed to good, friendly, honest customer service.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 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

I notified the company on XX/XX/XXXX of the unlawful reporting on my consumer report and violations made against me on their behalf. I wrote to them via a written letter with a notarized affidavit attached. The company has not complied to any of the demands, and has not furnished any type of accurate proof that I gave them written permission to furnish said information ( which I DID NOT ). They also have not furnished any proof of any ORIGINAL documents of said information reported on my account and have not responded in kind with an affidavit of their own. 

My livelihood is being impacted by this unlawful reporting, and I demand that they are held accountable for their actions. 

They are in violation of 15 USC 1681b - permissible purpose of consumer reports, THAT CLEARLY STATES : ( 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. 
I HAVE NOT GIVEN THEM PERMISSION TO FURNISH ANY INFORMATION. 

They are also in violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681 s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; AS WELL AS 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy CFPB, is it not your responsibility to hold these credit reporting agencies to the law set forth by XXXX?? ? These are my RIGHTS being infringed upon, and it is negatively affecting my life. This is absolutely unacceptable!
Product: Credit card

Opened a new account with TD Bank in XXXX of XXXX  to purchase furniture for my home from XXXX XXXX furniture. For the purchase the XXXX XXXX sales associate recommended the credit they offered through the store with TD Bank. The sales associate entered the information I provided on the application to complete the sale, expected delivery was the end of XXXX. 

The first week of XXXX I received a notice from TD bank dated XX/XX/year> - the notice indicated " A potentially Suspicious transaction has been detected on your XXXX XXXX XXXX account '' and requested I contact them to confirm the transaction. I called immediately after receiving ; Verified my name, address and phone number and then confirmed the purchase. I was told if there were any additional questions a supervisor would reach out. 

I never heard back from TD bank, with the exception of the welcome packet to enroll in online billing to make payments on the account. My account is current and up to date, all payments have been made on time. 

In early XXXX I received a notice dated XX/XX/year> - this notice advised me TD bank closed the account on XX/XX/year>, it stated " We determined it was necessary to close your account. It stated it was in regard to the credit card activity and records. It mentions I am still responsible for the balance of the closed account. 

I began attempting to reach the number provided on the document for quesitons - the number was for the customer service department. Not only was this an extremely long hold time, each representative that I spoke to did not have any information regarding the reason for the closed account, I was advised it was closed due to fraudulent activity and that I would be responsible for the balance. I escalated to one of their Supervisors - asked him when the account is cancelled due to fraudulent transactions how is it I am responsible? The Supervisor indicated he saw where I had contacted previously to confirm information, he stated he understood my concern and advised he could send in a request to the companys fraud team to reach out to me and to also send me documentation. He stated I may need to call back to escalate further if I don't hear back from them. After 1 week went by with no contact, I called TD Bank again- and spoke with another Supervisor, this individual was not as helpful as the first. She advised me the account cancelled because I did not call initially. I referenced the prior call that was mentioned I did call to complete, her response was " Well you didn't pass verification '' I requested to speak with the Fraud department directly - she advised they don't take phone calls, then I requested to speak with her Supervisor. She advised I was not able to escalate further. This account has hit my credit as a closed account, which does have a negative impact. I have good payment history and the account reflects current. Reviewing my account only still reflects I have credit available. There are no copies of any documents sent to me from my online account. The only available documents are Statements
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to 'investiage ' every piece of information ' on the accounts I have listed below. Also i have attached the letter I sent out and here is the Tracking #. XXXX XXXX XXXX XXXX XXXX According to the FRCA The " investigative '' consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, reputation, personal characteristic, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 




They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Product: Credit reporting or other personal consumer reports

i have disputed CBNA INQUIRIES AND CITIBANK INQUIRIES FOR THE PASS 5 MONTH WITH XXXX KEEP THEM IT ISNT ME APPLY THEY DONT DELETE IT THEY ALWAYS FIND AN EXCUSE TO LEAVE INQUIRIES AT MY JOB CREDIT REPORT AT XXXX I DONT GOT NO INQUIRES NO OTHER BUREOUS BESIDE XXXX IM TIED CALLING SENDING PAPER OUT WASTING MY MONEY ALL THE TIME LETTING THEM KNOW THATS INCURRATE INQUIRIES NEVER WAS ME PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I applied for financing through American First Finance, to purchase a washer/dryer from XXXX XXXX ( furniture store ). I paid a processing fee of {$53.00} and the account was opened in the amount of {$1800.00}. The payment schedule was bi-weekly for {$150.00}, with a {$0.00} early buyout period that ended on XX/XX/XXXX, for a 2 year plan. The first payment was due on XX/XX/XXXX. I signed in to the online account on XX/XX/XXXX, paid the full buyout in the amount of {$1900.00}, and have an email receipt showing XXXX balance. I was then charged an additional {$150.00} on XX/XX/XXXX. I called American First Finance to inquire, and was told there were additional fees in the amount of {$150.00}. I requested a refund due to those fees not being disclosed and the refund was placed in my account on XX/XX/XXXX for {$150.00}. I was then charged again on XX/XX/XXXX for {$130.00}. When I called to inquire why I was charged again after my account was closed, I was told the account was reopened when the refund was sent. I was offered a pdf document with a small chart that looked hastily made and unofficial.
Product: Debt collection

Today on XX/XX/XXXX I was contacted by attorney by the name of XXXX XXXX called and stated that this debt was owed by my father gave his birthday name address my mother 's email and told him that he owes a debt of {$13000.00} and that he has to pay it my father being in bad health gave the phone to my mother she then found out that this was a debt from a wreck in XXXX it has nothing to do with my father nor my mother nor my father 's phone number or email which he has contacted and stated that he owes the money he is in direct violation of the above mentioned laws I have been paying on this debt and have been in direct contact with the collector for them to use such tactics is intolerable and unacceptable I would like to have the complaint on file and also be known for any further collection he or the firm has to be null and void i will not allow my father who is in bad health to be harassed and it not go unpunished with that i hope that the tactics above mentioned covers the debt it's time these type of actions be held accountable ty again for the help in this regard
Product: Credit card or prepaid card

My WellsFargo business credit card was closed last night without sending me a notice at all in advance, I was just surprise when I tried using it. They say it was because of my poor credit history. I never late in this card, paid on time. But they did not even bother to give me notice of their decision to close it. My poor credit history is not because I do not pay, but because of the debt settlement and was being handled. I even have more than enough checking funds to cover the measly {$2500.00} credit they gave me. 

My only issue with them is the unfair treatment I received, because of the perception they think based on my credit score, but not based on my performance in how I pay their issued credit card to me and as a matter of fact I am excellent consumer, never late, nor missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported my XXXX balance as XXXX a week ago and than yesterday reported it again as approximately XXXX unpaid and past due dragging my rating down 115 points. 

I just resolved this dispute with them and two days later they put it back on. 

XXXX has sent me documentation which I sent to TransUnion agreeing the balance is XXXX 

Please Help