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

I am writing to urgently notify you that I have been a victim of identity theft, resulting in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am requesting immediate action to address and remove them. 

ACCOUNTS - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX INQUIRIES - XXXX XXXXXXXXXXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXXXXXX XX/XX/XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

We called to inquire about a deferred payment because my wifes company changed their pay schedule which made us need to skip a payment. US Bank told us we could skip a month, then make regular monthly payments during a modification program. They did not tell us they were going to count those payments as past due on the credit report. They did this XXXX times. They also did it during XXXX. We made payment. US Bank did not apply those payments. That does not mean we were late or should be penalized. We did exactly what their program said to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : XXXX XXXX XXXX XXXX XXXX XXXX ran a hard credit inquiry against my account without my authorization and after I explicitly informed them that I do NOT consent to a credit check. 

Details : While shopping for home internet service in  XX/XX/XXXX, I was considering XXXX XXXX XXXX. Presumably because I configured an order on their website, but not did not conclude the transaction, XXXX XXXX XXXX ran a credit check. 
I later concluded my research and placed an order with XXXX XXXX XXXX on XX/XX/XXXX. I placed the order via telephone. I avoided the website as I wanted to explicitly inform XXXX XXXX XXXX that I would only place the order if they agreed not to run another credit inquiry. The representative agreed to that. She informed me that instead of asking for my social security number, a driver 's license number would suffice. I again asked if the drivers license number would be used to run a credit inquiry. She replied in the negative. The order was placed and I have now seen that XXXX XXXX XXXX did, in fact, run a credit inquiry through Equifax. I believe XXXX XXXX XXXX used information they collected previously, or through information contained in my account as an XXXX XXXX XXXX XXXX customer to access my credit report ( s ) without my consent. 
The relief I am seeking is that those inquiries ( both XX/XX/XXXX and XX/XX/XXXX ) be removed from my Equifax file. 
I did call XXXX XXXX XXXX but was routed from one department to another, with representatives telling me each time that " the system '' just runs the credit checks and they have no control over it. 
I realize this may seem like a trivial matter. However, we have worked hard to earn and protect our credit scores. XXXX XXXX XXXX 's actions have made a material impact on my current score and, moreover, their blatant disregard for a consumer 's stated directives should not stand. 
Thank you for your help.
Product: Credit reporting or other personal consumer reports

TRANSUNION, XXXX XXXX and XXXX XXXX are in violation of multiple laws set forth by XXXX in regards to the following AMX account # XXXX ... ENDING IN XXXX and XXXX  XXXX account XXXX account. XXXX XXXX Code XXXX ( XXXX ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX and XXXX XXXX ) making the report. Additionally, XXXX XXXX Code XXXX XXXX ( a ) ( XXXX ) ( A ) states that A person ( XXXX XXXX and XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( TRANSUNION, XXXX, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX and XXXX XXXX can not collect on a CHARGE OFF DEBT. This is now considered a certificate of indebtedness per the IRS and consumer income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. Please visit the IRS website that houses this information also. By XXXX, the IRS clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX for XXXX cancelled debt of { { {$12000.00} } } and CAPITAL XXXX for the cancelled debt of { { {$6600.00} } } in order to file as ordinary income. Where is XXXX? XXXX XXXX and XXXX XXXX are clearly writing off debt with the IRS without sending out the XXXX as required by the IRS for XXXX greater than { { {$600.00} } }. This is prohibited and unsatisfactory! XXXX XXXX and XXXX XXXX have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX and XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. TRANSUNION, XXXX, and XXXX are not an affiliate of XXXX XXXX or XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now OPTING OUT of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION for your reading and understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SS # XXXX Telephone- XXXX Date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO Account number XXXX XXXX 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge definedExcept as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( XXXX ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( XXXX ) Service or carrying charge. ( XXXX ) Loan fee, finders fee, or similar charge. ( XXXX ) Fee for an investigation or credit report. ( XXXX ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( XXXX ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

15 U.S. Code 1666b. Timing of payments b ) Grace periodIf an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge XX/XX/XXXX Account number : XXXX To Whom It May Concern, Kind regards, XXXX XXXX
Product: Debt collection

I requested validation and a copy of the signed contract for a debt listed on my credit file. The company responded with we are unable to grant your request and provided a payment history but not the initial signed contract and stated they are reporting the information accurately. This is not accurate and I think if a company is listing a debt against you they should be able to provide validation. Please help
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XXXX XXXX through Credit Acceptance corporation last XXXX, XXXX. On XX/XX/XXXX the car stopped working while I was in it. A mechanic diagnosed the car with having an illegal gps starter disabling device on it and this was the cause of it not working. I contacted both parties the dealership and the finance company, XXXX XXXX  and Credit acceptance. XXXX XXXXXXXX told me that they dont use gps trackers and I should contact Credit acceptance. Credit Acceptance told me that they dont use gps trackers either and I should contact the dealership. When shown pictures of the gps device the dealership said they didnt put it there. I told them if they didnt they shouldve removed it before selling me the car. They said they werent responsible for removing it. Credit acceptance hasnt responded to me in over a week. Only saying they dont use gps devices anymore. Every time I call they say my case is being reviewed and someone will be in touch. I feel there is some shady dealings happening and they are both working hand in hand with each other.
Product: Credit card or prepaid card

I was charged for two purchases from Amazon that I did not purchase. The first item was a toolkit ( {$32.00} ) on XX/XX/XXXX and the second item is book ( {$270.00} ) on XX/XX/XXXX. The items arrived with no packing information. On XX/XX/XXXX, I informed Amazon of the purchases and they admitted email tied to the transaction was not mine and thus it would not show up in my order history. They ensured me that no further purchases would occur. 

On XX/XX/XXXX, I then called Chase Credit cards and they promptly turned off the card number used in the purchases, issued me a new card and opened an investigation. The charges were removed from my account. 

On XX/XX/XXXX, I received a letter from Chase Bank Card Services informing me that my dispute was denied with the reason being " You received benefit from this transaction. '' On XX/XX/XXXX, I called the number on the letter and the worker on the line repeated what the letter said. I think she sensed my disappointment and promptly contacted Amazon with me on the line. The Amazon worker said they couldn't allow me to return the items as the email used to purchase the items was in " hold '' status. The Chase representative asked the Amazon representative what I should do with the property and the answer was to use or destroy the items. Shortly after, the Amazon person left the conversation and Chase representative said she would reopen a fraud investigation and the charges would not be on my bill. As of the writing of this complaint the charges are still on my account and there has been no written correspondence via Chase 's secure portal. 

I feel that Chase did not investigate the charges with Amazon the first time I reported and have no confidence after the call on XX/XX/XXXX. 

*Note : The book is titled " relations may be referred '' by XXXX XXXX . It is jibberish and incomplete. I did a search for this author and according to reviews from others, it is a scam published via Amazon.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I SUBMITTED A DISPUTE TO EXPERIAN REGARDING A COLLECTION ITEM ON MY CREDIT REPORT. THE ITEM WAS OPENED FRADULENTLY AND I CAN NOT GET THE ITEM REMOVED.
Product: Credit card

Regarding Case # XXXX I opened a claim for an unauthorized charge of {$110.00} I didnt recognize over a month ago. It was reported as soon as I noticed the charge and Capital One temporarily credited me for the amount. On XX/XX/2024, I received a letter stating that the dispute was resolved in my favor and that I would not be held responsible for the charge as part of their {$0.00} fraud liability guarantee. I have attached the document to this complaint, and also confirmed on the phone with a representative that the investigation was complete. 

I am now logging in to my account to check my balance and prepare for payment as my statement date is coming up, and I see the {$110.00} credited to me previously was reversed, making my balance negative. Capital One already confirmed to me in writing this case was resolved in my favor and I would not be held liable for the charges. They are now going back on what was promised in the official document I received and trying to hold me responsible for this charge I didnt make for an unknown reason.
Product: Credit reporting or other personal consumer reports

I still have negative items reporting on my credit report without my consent effecting my right as a consumer. According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6801 15 USC1681 section 604 a section 2 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies TransUnion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TransUnion, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

During the last six months or more. I have notified ( via letter ( s ) the 3 Credit Reporting Agencies about inaccurate or illegal information being reported on my credit report. To date I only get from the agencies that the information is accurate.I recently applied for a loan ( XX/XX/XXXX ) and XX/XX/XXXX, when the Credit Union stated that information on the report was being reported. I did in fact state to the Credit Union Manager that the information was in fact incorrect and  based upon my understanding of what is applied via the law and states. The Debt collectors tactic of attempting to collect a debt that has been filed as a loss, and the company having filed for that loss with the company, can not collect a debt of that nature, as well as the fact that I as the debtor have no obligation to pay any monies to the collection agency, when there is no contractual agreement of obligation to that debt collector. 
I have sent approximately 6 letter to the credit bureau agencies, and all have refused to comply with my request for removal of the collection agency reporting to the agencies any such inaccurate information. ( Equifax, XXXX, XXXX  ). 
Should the information that I have obtained be the ruling factor, via state law, rule regulation, I request your assistance in rectifying this information as soon as possible thanking you in advance.
Product: Debt collection

Subject : Request for Debt Validation and Chain of Assignments Dear Rent Recovery Solutions, I am writing to formally request a validation of the debt associated with my account number under the Fair Debt Collection Practices Act ( FDCPA ). I have received communication regarding this debt, and I seek to verify its legitimacy and obtain detailed information regarding the chain of assignments related to this account. 
Specifically, I request the following information : 1. The original creditor 's name and contact information.

2. A complete chain of assignment documentation, showing all transfers of the debt from the original creditor to your organization.

3. The amount of the debt, including a breakdown of any fees or interest that has been added.

4. Copies of any agreements or contracts that pertain to this debt.

5. Evidence of your authorization to collect this debt on behalf of the original creditor. 

Please provide this information in writing within 30 days of receipt of this letter. Until this information is provided, I request that all collection activities cease, as is my right under the FDCPA. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Checking or savings account

I am not able to log into my account since XX/XX/21. Their site is down. I attempt to call them instead but their Customer Services are always busy and I am not able to get it through. They are playing game and holding up my fund. I would ask them to call me to get this problem resolved, there is no way I can get hold of them. I believe they did it on purpose
Product: Credit card or prepaid card

XXXX XXXX XXXX  Original Charges : XX/XX/XXXX : {$5300.00} XX/XX/XXXX : {$5000.00} Merchant Printed Garments, Merchant did not properly cure garments, resulting in total loss of product. 

Merchant Acknowledged improperly produced garments, offered zero refund or resolution. Complete loss of product. 

Merchant quit responding entirely XX/XX/XXXX We tried everything to resolve issues with merchant before filing a chargeback. 

Opened Chargeback Claim XX/XX/XXXX I mailed proof of damages, and admittance oXXXX XXXX XXXX XXXX negligence and ruined product. 

Current status of chargeback claim is : Researching Claim since XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek a appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my forth CFPB Complaint to be submitted against the Credit Bureaus requesting the complete removal of the fraudulent accounts and information from my Credit File as soon as possible. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. On XX/XX/XXXX, I sent a dispute letter to each of the Credit Bureuas and I am still awaiting the Credit Bureaus ' replies. On my previous dispute letters, the Credit Bureaus have failed to respond to my letters which is a violation of the FCRA! bu submitting this CFPB complaint, I am expecting that the Credit Bureaus will be able to send me copies of proof of verification in the event the Credit Bueaus do not comply with the requests. Once again, I am in need of the removal of the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I 've spoken to multiple representatives at A1 collections in XXXX, CO. Every time i speak with someone the amount I owe has been a different number. They are over 2 weeks behind on processing the electronic transfer from my garnishment. As of now I have paid it off in full but they do n't have record of it so they are continuing to garnish future paychecks when to my calculations the amount in full is paid off. I find it really shady that they do n't have record of my most recent payments. I work for XXXX and have been in contact with my payroll division and they have promised me that they electronically transfer the garnishment and that there should be no more the 3 days for the money to be processed. A1 has been extremely rude and inconsistent with the amount of money. Maybe there is a lag in data processing on their part but I do n't feel like I should suffer because they do n't update their payment records in a timely fashion.