23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the XXXXair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Debt collection

I received a text from a XXXX number ( XXXX ) that said the following ( the errors and starting comma included ) : ", This is ARC Management Group contacting you on behalf of XXXX XXXX XXXX XXXX. 

Reply ARCMED to receive additional details. 

Para recibir detalles en XXXX, po favor responda con ARCSPA Reply STOP to cancel, msg & data rates may apply ALL REPLIES OUTSIDE OF STOP or the Keyword. PLEASE DIRECT TO reply@arcmgmt.com, and please include identifying information when emailing ( account number, phone number, etc. ) '' I looked up ARC Management, and they're a debt collection company in Georgia. However, their phone number did not match the one this text came from, and their contact email used XXXX '' instead of XXXX ''. 

I've never been a patient at XXXX XXXX XXXX XXXX and don't even know where that is. Nor have I ever received any bills from those hospitalists. 

When I tried calling them, I couldn't reach a real person. So I called the main XXXX XXXXl in town, and they had never heard of this ARC Management Group either. They transferred me to the hospital VP ( I think ), but she didn't answer so I left a message and never got a call back. 

I hope this is a scam text, so I tried to report it to reportfraud.ftc.gov, but since this dealt with debt collection, they sent me to the CFPB address and this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband applied for a loan with rocket mortgage, Without my knowledge or authorization, Rocket Mortgage did a hard inquiry on me. I never spoke with anyone at rocket mortgage. When I received a email stating a hard mortgage inquiry. I called the mortgage company asking them to remove it because I did not talk with anyone about a loan or authorize the pull. They refused, saying my husband has the right to do so. My husband is not on my deed or my loan. Further more rocket mortgage discussed my loan with my husband. 

Please advise
Product: Debt collection

This charge was under a bankruptcy and some of this was already paid through that. Also, the collection company sold my car and is still trying to collect the full amount without taking into consideration the amounts that were already paid through the sale of the car and my bankruptcy. I want this removed from my credit report immediately as it is false information.
Product: Mortgage

I am a XXXX veteran  that has been able to take advantage of the XXXX program offered to veteran home owners to refinance their homes at no cost, no documents, no credit or income verification. I just have to be a veteran and have no late pays on my mortgage history. I did not have any until I went with Nations Lending for this program and what should have taken 30 to 45 days, took almost 6 months for them to complete. I was advised in an email that I did not have to make the XX/XX/2020 payment or the XX/XX/2020 payment. I was then notified near the end of XXXX to make my XXXX payment because the underwriter was sick and they had no one else to sign. This delayed the process and I was not able to make my XXXX payment until XX/XX/2020. My wife contacted XXXX Mortgage immediately to make arrangements to see if we could stop it from being reported late and was advised by XXXX that they understood that we were refinancing and they would be paid in full and never said anything about it being reported late. They finally funded the loan over a month later and now I have a late pay on my mortgage because of the lack of customer service to a XXXX veteran during a global pandemic. I have made several requests to both companies to assist and they have refused to provide any customer service to me in this situation. This has caused 2 lines of credit I had to be closed as well as a credit limit being lowered by over 75 % of what the limit was on a credit card I have in good standing. This happened due to the lack of training on the part of both companies and the meaning of CUSTOMER SERVICE. I feel that both companies should be removed from this veteran program and any VA lending until they can prove they have the proper training to assist Veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has removed my old XXXX account that was charged off several times and put it back which violated FCRA. It has reappeared on my credit profile and thier reporting the same item twice. Account number in reference to XXXX XXXX XXXX XXXX XXXX  card services. Please remove this account and keep it off of there this time.
Product: Credit reporting, credit repair services, 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX have 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 : 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 ) 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 card or prepaid card

I received a letter from Synchrony Bank thanking me for my recent application, but additional information is needed to process my credit card application. On XX/XX/2019, I notified Synchrony Bank I did not apply for a Stein Mart credit card. The representative I spoke with stated she will close the application and remove the inquiry from my credit file. Unfortunately, this process was not completed by Synchrony Bank and the inquiry remains on my credit file.
Product: Debt collection

I have enrolled with a credit resolution company to repair my credit. They went over the tactics that credit agencies or debt collectors will do in order to get me to pay the pay the debt I owe.

The credit resolution company I signed up with provided me a lawyer in case the credit agencies or debt collectors break the law. Allied Interstate has repeatedly been calling me non stop. I received 2 letters from them about 2 weeks after they started calling me. I have been logging all calls that I receive them. They never leave a voicemail and they never call from the same number. My lawyer explained that they are harassing me and explained my rights when it comes to harassment. They are now pursuing legal action against Allied Interstate for abusing the FDCPA.
Product: Checking or savings account

On XX/XX/XXXX, there were unauthorized purchases made using my debit card in several locations, and the amount totaled to a little over {$1100.00}. I was alerted by Bank of America about a withdrawal that was declined, and then realized the unauthorized purchases. I reported this to Bank of America immediately after this alert, and have been waiting on their response. I also filed a police report. I've yet to receive any updates about this case.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these inquiries Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

This company at Nissan motors acceptance corporation did a repossession at a lease I had when they had the wrong a count number when I noticed that they didnt took the payment I call them made a payment and the following two days later they took my car that happen on XX/XX/2024 I making a complaint now because I didnt know that that was going to hurt my credit so much after they took the car I had to wait 20 days to get my car back I finish the lease and now they are charging me a lot of fees and in to of the {$990.00} that I had to paid to get my car back the rental that I had to paid because I didnt had my car because someone in that company was not doing their job may car got tow XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DataX Ltd .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Dear Consumer Relations, I am writing to request a security freeze on my DataX consumer report. My consumer report number. I understand that DataX allows consumers to place a security freeze on their reports to prevent unauthorized access and potential identity theft. 

Please process this request promptly and confirm once the security freeze has been successfully applied. If you require any further information or documentation, please do not hesitate to contact me at the address, email, or phone number provided above. 

Thank you for your attention to this matter. 

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

URGENT - Failure to Adhere to Fair Credit Reporting Act ( FCRA ) Requirements Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention an alarming violation of my rights as a consumer, as stipulated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 

On XX/XX/2023, I submitted legitimate dispute letters to XXXX, Transunion, and XXXX, the three main credit reporting agencies. According to the FCRA, they are obligated to respond to my dispute within a 30-day window. However, despite the ample time given, I regret to inform you that I have yet to receive any communication from these agencies regarding my dispute. 

This failure to respond within the stipulated timeframe is a clear violation of 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA. The unresponsiveness of these credit bureaus has not only left my dispute unresolved but also demonstrates a blatant disregard for the regulations designed to protect consumers like myself. 

I respectfully request your immediate attention and intervention in this matter. It is vital that these agencies are held accountable for their compliance with the FCRA, and that my rights as a consumer are safeguarded. 

I appreciate your time and prompt attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

recently checking my credit report I noticed iv has been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries i found : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLease remove these fradulant credit inquires from my credit report, iv also attached my identity theft report as well
Product: Checking or savings account

US BANK : I am contacting you again in regards to the same complaint that has now taken a new direction without my awareness and without US Bank attempting to inform me yet again. 

In my last complaint I sent through cfpb, you instructed me to stay in contact through my branch manager. However, while she helped me keep my personal accounts open at that point in time, apparently as of recently, someone above her over-rode her request and those accounts began closing without me being informed as of yesterday, XXXX. Where in this agreement, https : //www.usbank.com/pdf/Deposit-Account-Agreement.pdf, does it lay out your right to close my accounts? Furthermore, specifically in regards to my personal accounts, under what premise are you closing those after years of low risk activity and good standing? 

Lastly in regards to the Deposit Account Agreement, I'm not sure I understand the part about arbitration fully in relation to associated costs in the Agreement effective XX/XX/2020. Could you clarify for me? Who pays for arbitration, you or me? Were there any changes to the written agreement after my situation took place, since it went into effect XX/XX/2020, in relation to my situation or is that covered in the agreement as well- If so, could you specifically point it out please? Finally, where have you informed me prior, as the customer having never been in this type of situation before so therefore not knowing how it would go, that I can not speak directly with those at US Bank making decisions regarding my account? Where do you inform me that I can not speak with anyone about the measures taken to determine there was fraud on my account, leading to your final decision? 

Your calls are monitored and recorded, right? So, you should have on record, me contacting the bank about this deposit before scheduling transfers. How is the bank able to ignore my safety precautions, security checks, and attempts to make decisions in accordance to maintain good standing with the bank? A relationship does not work if one party tries to explain the situation ( me ) and seek advice on what to do at this point in time ( from you ) to be told one thing ( from you ), to act in accordance with the advice, ( me ) to then have the opposite outcome ( from you ) from what was advised take place. You is the US Bank representative I spoke with that day. In other words, you can not operate successfully or maintain relations when you say one thing and do another. The bank could have easily put themselves in a no risk position by properly handing my phone call that day, but they didn't. I want to know how the bank is able to put this all off on me, when as I see it, I did my part. 

I am seeking answers to all my questions. They are not rhetorical. 

Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/24, I received an email notification from XXXX XXXX. It contained information about a creditor assigned and a debt owed. Confused, I checked my account, and noticed that there was a creditor/collections assigned to my account. I googled the collections agency information, and I found out that it has a connection to XXXX. Since it was around XXXX, I could not contact the creditor directly ; so instead I called XXXX. On the same day of the XXXX XXXX email, I called XXXX. The agent told me that he could not find me on their system ( he checked through my social security # and checked my wife 's as well ). He then made a comment about a phone line, and I told him that I never opened one with XXXX He then told me that I should call the collections agency assigned so I could open a identity theft issue. The XXXX rep gave me the direct line for the collections agency. I called the next day, and I spoke to XXXX. He looked me up, and found out that somone bought an XXXX. He also made a reference to North Carolina. He told me that the person ( s ) used my social security, date of birth, and a false XXXX  and home address. He told me that he would put notice on their end of identity theft. He then provided me information like account # 's and the proper steps to fix the identity theft issue ( like file a police report, XXXX package, etc ). Since finding out on XX/XX/24, I have filed a police report with the XXXX Police Department and contacted XXXX and its creditors directly.
Product: Credit reporting or other personal consumer reports

- **XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, FL XXXX - **Company Name : ** XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX **Complaint Details XXXX ** - **Subject : ** Late Payment Issue Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XX/XX/XXXXregarding a late payment issue that has negatively impacted my account. 

I have been a customer ofXX/XX/XXXXfor `` two years '' and have always made my payments on time. However, despite making my payment on XX/XX/2024, the company has failed to process the payment on time. This late payment has caused " late fees, '' " negative impact on my credit score, ''. 

**Key Details : ** - **Account Number : ** XXXX - **Date of Payment : ** XX/XX/2024 - **Amount Paid : ** XXXX Despite my attempts to resolve this issue directly with XX/XX/XXXX's customer service, I have not received a satisfactory response. I have contacted their customer service department on XX/XX/2024 and was informed that I am not receiving a response As a result of this late payment, I am seeking the following resolution : 1. Immediate correction of the payment processing error. 
2. Removal of any late fees or penalties associated with this error. 
3. Correction of any negative impact on my credit report due to this late payment. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting or other personal consumer reports

Experian removed accounts and address in question then reinserted the same accounts and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern, I have disputed XXXX XXXX with Transunion and XXXX, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute XXXX XXXX has came back as verified. XXXX XXXX has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for XXXX financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by XXXX XXXX company regarding validating the debt.
Product: Vehicle loan or lease

i have a loan with chase bank, i have since traded the vehicle and paid it off. they subsequently still ACH my account for loan payment weeks later. They have not refunded my overpayment and am told it takes 10 business days. 

They can draft your account electronically, clear checks and deposits within hours, but can't return a payment to a closed account timely? Guess they want to make money on the spread. They are electronic when it benefits them, but not the otherway around.
Product: Credit card

I submitted a dispute to USAA on XX/XX/2016 for a {$10000.00} purchase from XXXX that represented themselves to be an investment bank, but I learned that it was just a front. On that date, I also learned that XXXX had processed it with USAA as a cash advance and there were thousands of dollars of fees that I had not authorized. USAA was VERY slow in handling the dispute for a number of reasons that are difficult to understand, during which they applied the credit on two or three different occasions until finally on XX/XX/2016 they re-billed my card for the {$10000.00} stating that I had used the service after I filed the complainr. I said I had only used it to provide the information they requested : specifically statements of the account and transactions processed. They said when I logged in I lost all rights to a refund.