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

I spoke with the representative at XXXX XXXX about my first CFPB complaint. Their response : " On XX/XX/2019, we sent a request to the CRAs, asking them to report the authorized user XXXX XXXX on your account. The confirmation number for this request is XXXX. Please note it may take up to 60 days for the agencies to update their records and they have their own internal guidelines on what information they choose to report on a customers credit file. '' After contacting them towards the end of the 60 day mark with no resolution to the origin problem, they informed me to resubmit a complaint because they don't know why the original request didn't fix the issue.
Product: Credit card or prepaid card

Hi Team, I had a bad situation with citibank becoz i am holding citibank credit card I have done some purchases on behalf of my girl friend. She has already done payment to my credit card {$5000.00}. After 20 days The citibank has done reverse payment to same amount. I dont know why they have done this XXXX  activities with out inform to account holder. I was checking my account everyday but the unfortunately the reverse payment updated in the citibank systems taken more than 20days later i have got update stating that just owe to citibank {$5000.00}. I have given couple of complaints citibank but no one caring about my complaint finally they said ask the sender to do payment again to my credit card. 

Becoz of the unfair customerservice i have lost {$5000.00} Please help e here to get resolve this issue my card ending XXXX - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 inquiries that i tried to dispute over the phone with transunion and they do not want to help me disputing then I have called several times and told them i was a victim of identity fraud and to dispute my inquiries but they keep telling me no
Product: Debt collection

I didn't know anything happened until I got my direct deposit and noticed I was missing a huge amount of money. A couple of days later I got a letter in the mail from my human resources office of a copy of a court ordered garnishment. The paper showed my maiden name ( XXXX XXXX ) and an address in XXXX, Florida ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX ) in which I've never lived or have ever been. I also noticed that my own human resource office gave these people my current address without my consent or informing me of this. I never got a chance to exercise my rights of this claim/judgement/court order as I didn't know anything about it. I also noticed that the original creditor is XXXX. The only XXXX I know is a gas station, and if I ever owed them anything that wouldve been over 20 years ago, which is well past the statue of limitations. So here 's the information on the copy of the paperwork : PREPARED BY : H. KENT HOLLINS # XXXX ATTORNEY AT LAW, XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX ( XXXX ) XXXX TOLL FREE ( XXXX ) XXXX FAX : ( XXXX ) XXXX ATTORNEY FOR THE PLAINTIFF -IN THE DISTRICT COURT OF XXXX COUNTY , KS XXXX JUDGEMENT CREDITOR VS XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX JUDGEMENT DEBTOR XXXX XXXX ATTN PAYROLL DEPT, XXXX XXXX XXXX XXXX , ( XXXX ), XXXX XXXX GARNISHEE PURSUANT TO CHAPTER 61 OF KANSAS STATUES ANNOTATED CASE NUMBER : XXXX REQUEST FOR WAGE GARNISHMENT {$1000.00} DATED : XX/XX/2019 *SAID THAT THE ALL PARTIES WERE TO BE NOTIFIED/RECEIVE A COPY OF THIS GARNISHMENT ORDER IN FOR AN OBJECTION WITHIN 14 DAYS AND I NEVER GOT ANY COPY OF SUCH OR I WOULD'VE OBJECTED. 
*WRONG ADDRESS, BUT FOUND MY EMPLOYER AND YET I WAS NEVER INFORMED AT ALL. 

EXECUTED ON : XX/XX/2019 GARNISHED FOR : {$260.00} XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 USC 1681 Section 602 A States that I have the right of privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.
Product: Debt collection

XXXX XXXX XXXX is reporting on my credit report and they are not listed under the Tennessee verify site and I want them to be permanently removed from my credit file immediately from all 3 bureaus!
Product: Debt collection

Closed account with XXXX, returned their equipment with my forward address after my home sold in XXXX  and left XX/XX/XXXX for XXXX XXXX XXXX  mailed me a bill for for {$110.00} for 6 days services in my new residence in XXXX XXXX. 
Billing explained to me I was liable for the whole amount even when I only used the services for 6 days into the billing cycle. 
Communication with a supervisor in XXXX couple months later told me that I did not had to pay the full amount and ( XX/XX/XXXX ) of {$110.00} would satisfy the debt and it was agreed to pay {$27.00} which I send them a check. 
In XXXX XXXX  try to collect again using a collection agency and upon my providing all prudent information collection agency dropped their collection effort. 
Apparently XX/XX/XXXX XXXX turn the " debt '' to a different collection company if an effort to collect {$86.00}
Product: Credit reporting or other personal consumer reports

I recently disputed multiple collections on my credit with the collection company and Experian/XX/XX/XXXX for validation of debt. I asked for proof of signed contract between company and I and wasnt provided with one. I sent a request via mail to Experian/XX/XX/XXXX requesting information on how accounts were verified. I have collections account showing as open with a past due balance. XXXX XXXX Investment, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. I am requesting that these accounts be deleted from my credit immediately.
Product: Mortgage

I am making this complaint only to make you aware of what I believe is a fraudulent practice on the part of Wells Fargo Bank. On multiple occasions I have made additional principal only payments and although I clearly mark on the payment coupon that the funds are intended for principal only, the bank miss assigns the funds. On two occasions they credited the fund as " unassigned '' both of which delayed assigning the fund to principal by around 20 days each time and this latest payment was partially applied to interest and escrow. Obviously the cost to me is only a few dollars plus the aggravation of having to go to the bank to correct the issue, but the implication for Wells Fargo is probably hundreds of thousands of dollars earned through these seemingly innocuous errors. 

I will again go to the bank to clear the mistake but probably will never know if I paid extra interest or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i have been making several attempts with Transunion and their reps to remove several negative inquiries on my report, Transunion customer service has refused to help in the removal of these negative fraudulent inquiries. 
I have listed the inquiries that i have been trying to get removed 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX/XXXX 4. XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX I have made several attempts with Transunion and the creditors to get these fraudulent inquiries removed please help
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account Removal - XXXX XXXX Accounts Dear To Whom It May Concern I am writing to formally dispute the removal of my XXXX XXXX  Accounts, specifically the account in the amount of {$1800.00} and the account in the amount of {$2900.00}. I believe that the removal of these accounts is in violation of the Uniform Commercial Code ( UCC ) and the Fair Debt Collection Practices Act as outlined in 15 USC 1692.

Under the UCC, parties involved in a commercial transaction are required to adhere to principles of good faith and fair dealing. The removal of my accounts without proper notification or justification appears to violate these principles. I have not received any communication that would warrant the removal of these accounts, and I believe that this action is unjustified.

Furthermore, 15 USC 1692 prohibits debt collectors from engaging in deceptive or misleading practices in the collection of debts. The removal of my accounts without clear communication or an opportunity for me to address the matter constitutes a violation of my rights under this statute.

I request that you provide me with the following information : 1. A detailed explanation for the removal of my XXXX XXXX Accounts. 
2. Copies of any documentation that supports this action.

3. Confirmation of my rights under the UCC and 15 USC 1692 regarding this matter.

Please consider this letter as a formal dispute of the removal of my accounts. I expect a prompt response to this matter, as I am eager to resolve it amicably and in accordance with the law. If I do not receive a satisfactory response within 30 days, I will be compelled to take further action to protect my rights.

Thank you for your attention to this matter. I look forward to your prompt response. 

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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXX/XX/XXXXTransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 
Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called all 3 bureaus and filed that I did not authorize the credit inquiries on my credit report. They wouldnt help me. Said I had to call everyone and dispute them. I called all of them and got no where. Most said they would look into it. It has been 2 months now and I cant get anywhere with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$270.00}, XXXX XXXX Balance Owed : {$9600.00}
Product: Vehicle loan or lease

Complaint to the Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern at the CFPB, I am submitting this formal complaint against Toyota Motor Credit Corporation for willful violations of federal laws, including tampering with my contract without consent, reporting inaccurate information, and engaging in deceptive practices. These actions have caused significant harm and hardship. 

Toyota Motor Credit Corporation has knowingly provided false and misleading information regarding my vehicle contract, including creating two conflicting contracts for the same vehicle. Additionally, they tampered with the original contract without my consent, which is a violation of the United States Code, the Uniform Commercial Code ( UCC ), and other applicable consumer protection laws. These violations are subject to criminal penalties, including fines and imprisonment. 

Despite multiple attempts to resolve these issues directly with Toyota Motor Credit Corporation, they have failed to engage in any meaningful dialogue or corrective action. Their lack of response demonstrates disregard for my rights as a consumer and has necessitated legal action, including a default judgment filed in federal court. 

I request the CFPB to investigate Toyota Motor Credit Corporation for these violations and take appropriate enforcement action to ensure compliance with consumer protection laws. Furthermore, I ask for assistance in addressing the financial and emotional damages I have suffered as a result of their actions. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX : XXXX Email : XXXX Dated : XX/XX/year>XXXX XXXX
Product: Vehicle loan or lease

GM Financial Account # 's XXXX and XXXX These accounts should not be reporting any late payments. I have always made my payments on time. The vehicle was turned into the dealer and the loan as paid off late but was the dealerships fault. Letter from the dealership is attached. 

I should not be penalized and this is preventing me from getting the credit I deserve. Remove the late payments right away!
Product: Checking or savings account

On XX/XX/2023 there was a wire transfer from my business checking account with Capital One Bank in the amount of {$290000.00}. My account was debited this amount. I got a call from the bank about this wire soon after it was done to ask if it was me. I told the bank that I did not do that nor I am familiar with the company to which wire transfer was done. They were aware that the wire transfer was made to XXXX XXXX XXXXXXXX and I was told that they had made a recall on it. For the next two weeks I was told that they are investigating. In the third week I was told that bank is not going to return my money. I had a small business checking account no. XXXX with Capital One Bank which has been deactivated now.
Product: Credit card

XX/XX/23 I first arrived at a hotel I booked for my family in XXXX. The name is XXXX, but it was a XXXX The way the receptionist greeted us was rude. I asked for an upgrade option, but he laughed and answered in a XXXX manner that we need to contact who ever we booked with. The rooms have no bathroom inside. The shared bathroom and restroom are dirty and no gender separation. We came back down and asked for a refund. Again, the receptionist told us to contact the site we booked with. We contacted the site, which is XXXX. They said we need to stay 1 day, and they will contact again tomorrow. After laying om the bed for a while, I got bed bug onto my arms and back. I decided to book another hotels and moved immediately. Now Im asking for a full refund. They didnt. So I disputed with my bank. The dispute also got denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in the military and I sent in all the proper paperwork and information to the credit bureaus to have them accurately fix these issues. Some of these items are taken off of some of the 3 bureaus and still reporting on the other. The process should be the same for one and the other. While in the Military it is hard to contact the credit bureaus from overseas and I am fed up. This has been going on for over 5 years. I sent in FTC reports and also a FBI Victim report because the Feds caught the guys with id and drivers license in my name and arrested some of them. 
XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE XXXX $ XX/XX/XXXX ALL THESE ACCOUNTS BEEN CORRECTED ON XXXX AND XXXX BUT NOT XXXX XXXX XXXX : LVNV FUNDING LLC XX/XX/XXXX XXXX REPORTED THIS ACCOUNT THAT WAS FRAUD AND DELETED PREVIOUSLY FROM XXXX XXXX THE PURCHASED SOME DEBT FROM SOMEWHERE AND REPORTED THIS TO MY CREDIT I TOLD THEM THAT IT WAS FRAUD AND DELETED BY THE CREDITOR.
Product: Checking or savings account

I am not able to open up.checking account. I have alot of fraud on me causing conflicts wigh my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. states I have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

I presented a coupon to GM Financial in XX/XX/2022 to fulfill the full purchase on my XXXX XXXX via certified mail. Not only did they never send the coupon back they even lost it or never redeemed it. So not only did they do that but they just kept charging me normally. Then out of the blue this week with no notification or anything they collected my vehicle and want {$2900.00} to reinstate my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked flagship to remove this off my credit, I did not give written consent for this loan to be reported, late payments has been reported inaccurate. This has cause several denials for other things Im trying to purchase. 

In accordance with the Fair Credit Reporting act Flagship credit acceptance account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my Written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$22.00} XXXX XXXX XXXXXXXX Balance : {$30.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXBalance : {$22.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XXXX XXXX 2017, I attempted to buy tickets online to a football game from a person using the alias XXXX XXXX. I submitted a payment using XXXX with XXXX on my Chase Mobile App to  XXXX in the amount of {$250.00}. Unfortunately, XXXX never transferred the tickets to me. One hour after making the payment, I called Chase Bank to report the fraud. At that time, Chase told me that the transaction had already been funded, and thus, they could not stop payment to XXXX 's account. Chase then opened a claim, and tried to receive the money back from XXXX 's bank. On XX/XX/XXXX, I received an email from Chase, stating, " We researched your claim and determined that the transactions are valid, so they will remain on your account. '' On XX/XX/XXXX, I filed a police report with the XXXX Police Bureau in hopes of catching " XXXX '' and getting my money back. On XX/XX/XXXX, I called Chase again with the request to reopen my claim and look into my police report. The woman I spoke to in the claims department reiterated that since I initiated the transaction, it was not considered fraud. She also said that a claim had been filed with XXXX 's bank, but that bank would not refund my account since the transaction had been funded. She would not share which bank XXXX uses, so I can not go after that bank in order to get my money. She also refused to consider my police report and did not write down my case number. I was basically told that it was my fault, and I needed to resolve things outside of Chase Bank. I, unfortunately, have no other way to resolve things because 'XXXX XXXX XXXX wo n't respond to any of my messages. I know {$250.00} is n't much money to Chase Bank, so I would like them to return my money.