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

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I talked to all of the above representative and explained my situation as far as someone stealing my identity and obtained goods or services. They were not helpful at all. They didnt offer any resolution and they were very rude when i did have questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has sent a refusal to investigate my credit file claiming a Suspicious Request, no less than 3 times, which could be no more than a typo. XXXX and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one Additionally, Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$130.00} XXXX XXXX XXXX/XXXX/XXXX {$980.00} XXXX XXXX XXXX/XXXX/XXXX {$940.00} INQUIRIES XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BKPT CHXXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX # 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: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Immediate Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to inform you of the deletion of a {$530.00} XXXX XXXX charge-off account from my XXXX credit report. The dispute regarding this account was investigated, and the results of the investigation, completed on XX/XX/year>, concluded that the account was deleted from my XXXX report. 

As XXXX has determined that the account is unverifiable and has deleted it from my report, I am requesting that your credit reporting agency also remove this account from my credit file. Since the account is no longer verified by XXXX, it is now considered unverifiable, and as such, it should not appear on any credit report, including yours.

Legal Rights : FCRA Section 1681i : According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes an item on their credit report, the credit reporting agency is required to conduct a reasonable investigation. If the disputed item can not be verified, it must be removed. XXXX has deleted the account because it was unverifiable, and you are required to do the same.

FCRA Section 1681e ( b ) : Under this section, you must ensure the accuracy of the information you report to credit bureaus. If you are unable to verify an account, you must remove it from the credit report within 30 days of notification.

Right to Sue : If this unverifiable account is not removed within 30 days from the date of this letter, I will exercise my legal rights under the FCRA and may file a lawsuit for damages, including actual damages, punitive damages, and attorneys fees. The FCRA provides for compensation in the event of a violation of my rights, including failure to properly investigate and remove unverifiable information.

Request for Action : I request that you remove the {$530.00} XXXX XXXX charge-off from my credit report within 30 days of receipt of this letter, in accordance with the FCRA. If the account is not removed within that time frame, I will pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating legal action if necessary. 

Please provide written confirmation when the account has been removed, or explain why it has not been deleted in accordance with the law. I will be monitoring my credit reports for compliance. 

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

On XX/XX/XXXX, I was on the website XXXX. There was a link on that website for a {$200.00} Peoples United Bank checking promotion. I clicked on that link and opened a checking account. The requirements were : Have a direct deposit of at least {$100.00} within 60 days of opening the account and at least 10 debit card purchases of at least {$25.00} each post to the account within 60 days. I met those requirements in XX/XX/XXXX and the bonus was supposed to post in 90 days ( which it did not ). After contacting Peoples Bank numerous times and getting the run around, I was last told that I was not on their targeted list for this promotion which is why I did not receive the {$200.00}. The bonus language did not say anything about being on their targeted list. It was a link on XXXX with an offer of {$200.00} after meeting the terms and conditions. Please publish this complaint so others can come forward and perhaps file a class action lawsuit against the company for deceptive practices.
Product: Bank account or service

On XXXX/XXXX/XXXX, I purchased a room rental from XXXX for a college trip with my parents, when I returned from the trip I noticed that the hotel had charged me for the room additionally, I spoke with the lady manager at the hotel and she stated that she would correct the mistake, which did not happen, I disputed the charge with my credit union, they gave me a provisional credit, fast forward to XXXX, XXXX XXXX, my credit union took the Provisional credit back from my account, I supplied the credit union with the documentation of my receipt from XXXX, and they still took the money from my account. I attempted several calls to the rep that is investigating the claim in addition to her supervisor and no one will return my calls. The charge is {$150.00} I also have XXXX additional fraud charges on my debit card, and the credit union will not even investigate these charges at all. {$21.00} from XXXX and {$30.00} from XXXX XXXX, whom I do not have service with.
Product: Mortgage

XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Illegal foreclosure practices fraud upon the court banking entity pursuing me since 2007.  False affidavits, robosigning, banking entity not operating in good faith.
Product: Credit reporting or other personal consumer reports

since XX/XX/XXXX, and every month their after I have sent dispute letters to the credit bureaus attaching personal identification to those letters which included an id, social and a utility bill. Asking them to validate and verify the accounts they have inaccuracies of. Which was not done on any occasion. I was never given a letter or response to the matters at hand. 


Also look at account XXXX XXXX XXXXXXXX that should have already been deleted. 

I am writing to demand the immediate and permanent deletion of the following account, which has been deleted multiple times in response to my previous disputes but continues to be reinserted onto my credit report without proper notification or validation. This repeated reinsertion violates federal laws governing the accuracy and handling of consumer credit data. 

Violations and Discrepancies : Repeated Reinsertion Without Notification : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ], an account that has been deleted can not be reinserted into a credit report unless verified, with written notification sent to the consumer within five business days. I have received no such notice, making this reinsertion unlawful. 

1. Inconsistent Account Details Across Bureaus : Account Numbers differ between XXXX and XXXX reports. Date Opened discrepancies exist between XXXX ( XX/XX/XXXXXXXX  ) and TransUnion ( XX/XX/XXXXXXXX  ). 
Credit Limit discrepancies show {$0.00} on XXXX but {$750.00} on XXXX and TransUnion. 
High Credit discrepancies show {$1100.00} on XXXX and TransUnion but {$0.00} on XXXX. 
These inaccuracies violate FCRA, Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure the maximum possible accuracy of the data they report. 
2. Failure to Validate the Account : Despite my disputes, no proper validation of this account has been provided, violating FCRA, Section 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], which obligates credit reporting agencies to provide accurate and complete information about the disputed 3. 4 of 7 item. Contradictory and Inconsistent Reporting : Date Last Active varies significantly across reports : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX Payment History is inconsistent across bureaus, with XXXX showing 90 delinquencies at 67 months, XXXX at 2 months, and TransUnion at 0 months. 
Such contradictions further breach the FCRA, Section 607 ( b ) requirement for accuracy.
Product: Credit reporting or other personal consumer reports

I reviewed by credit report and noticed some fraudulent accounts. These accounts are affecting my ability to obtain credit. I would like the accounts deleted from my report.
Product: Debt collection

On  XXXX / XXXX / XXXX , after telling the company not to contact me on this matter ON TWO PRIOR occasions, I received a collection call from a representative of Navient attempting to track down a step-child of a marital relationship that was terminat ed TWENTY-FIVE y ears ago.     I have advised this organization that I do not know where the person resides and I have n't seen or heard from the child or her mother since  XXXX .     Additionally, on this same date my wife received a phone call from Navient as well on this matter.     This is harassment and I demand it stop immediately.
Product: Credit reporting or other personal consumer reports

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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. 

The information and Accounts listed below have violated my rights. 

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. 


XXXX. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX  XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : 1. Current Employer - XXXX XXXX XXXX XXXX. Account Dispute - Account XXXX XXXX XXXXXXXX : Incorrect Status and balance Request immediate deletion - Account XXXX : Child Support Enforcement Incorrect status request immediate deletion - Account XXXX XXXX XXXX XXXX balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXX Possible Finance : Incorrect status and Balance request immediate deletion - Account XXXX : XXXXXXXX XXXX Imcorrect status and balance. Request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX : XXXX NO CONTRACT request immediate deletion - Account XXXX XXXX incorrect balance and status : request immediate deletion - Account XXXX XXXX  incorrect balance and status : request immediate deletion account SOLD - Account XXXX XXXX XXXX  incorrect balance and status : request immediate deletion
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX Balance Owed : {$1600.00}.
Product: Credit card or prepaid card

XXXX XXXX uses XXXX XXXX as their credit crd holder. Last year I wated to purchase a bedroom suite from XXXX, however wanted it to be delieve later this year after work was completed in our home. This would have been great, Why because XXXX doesn't charge the card until after they have delivered or merchandise has been picked up or delivered. Well I also purchased a piece of wall art and due to the size of returned it within the three days allowed for return. a few months went pass and I never saw it being credit back onto my symphony bank credit card for XXXX. So I called the credit card company who told me I had to call the store which informed me that the credit for the return was put towards a purchase ( bedroom suit ) I was making and awaiting on delivery! 
Why would you put the credit which should have went on the card it was purchased on towards merchandise you have yet picked up or have delivered? Apparently XXXX XXXX XXXX has this setup with the credit card company! This is wrong in so many ways. Merchandise purchased on a credit card should be credit back to that card used to pruchased it with not - depending on if the consumer has purchased other merchandise that has yet been charged to the card! So I had to cancel the bedroom suit in order to get the refund return amount put back onto the card which showed me owening for not to mention paying the interest on something I had returned!.
Product: Payday loan, title loan, or personal loan

USAA returns the Vehicle Title to the borrower after payoff via First Class mail through the USPS. No other method of shipment is offered to the borrower, even for a fee. If the title is lost, it's not possible to track it and the replacement of the title will fall to the borrower, even though the lender can not prove that they mailed the title.

One customer service representative at USAA quoted by phone a rate of at least 1 title per week being lost in the USPS mail as of XX/XX/18, in her personal experience. That's at least 52 members who are forced to obtain a duplicate title on their own time and money. Since USAA claims to care so much about their members, how in this day and age are they sending borrowers legal documents by USPS? Perhaps because if it is lost, it is of no concern or expense to them.
Product: Credit card or prepaid card

On XX/XX/2022, American Express cancelled my credit card with no notice provided to me of this confirmed action. 

On XX/XX/2022, American Express sent me an email stating if I made a minimum payment by XX/XX/2022, the following would occur as a result : - Avoid further negative impacts on your credit score - Stop additional late fees - Reduce your outstanding balance - Improve your accounts standing On XX/XX/2022, I made the minimum payment over the phone to take advantage of the benefits stated in the email I received on XX/XX/2022. During this phone call the representative did not disclose that there were plans to continue efforts to close the account regardless of me making the minimum payment. 

On XX/XX/2022, American Express reported to the 3 major credit bureaus that they've closed my credit line, causing further negative impacts on my credit score and not improving my account 's standing, as stated in the email I received on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email alert stating that I had a pending credit application for a credit card through XXXX XXXX. I also received notification through my life lock app that I had new inquiry on my credit report from XXXX XXXX. 
I contacted XXXX XXXX and asked why did they pull my credit report and the confirmed that a credit application was opened in my name. I informed them that I did not apply for a credit card and that my information was being used fraudulently. XXXX XXXX cancelled the application and marked it as fraud and stated that they will besending letter to the three reporting credit bureaus to have the inquiries removed. 
On XX/XX/XXXX I did a follow up to check to progress and was informed by XXXX XXXXXXXX that the letters never went out but I could call the three reporting credit bureaus and dispute inquiries on my own, so I reached out to the three reporting credit bureaus and had success getting the inquiries removed from my XXXX XXXX, and XXXX report, but Equifax said I had to provide them with a police report or FTC report. That's how I ended up here.
Product: Vehicle loan or lease

I excised my right as the consumer to extend credit on XX/XX/XXXXXXXX  to Toyota Financial Services to purchase a brand new vehicle and I got denied due to my credit score. I provided in writing to the CEO, CFO, & Treasurer via email to get this situation resolved immediately but have not received a yet. 

I provide them the federal laws and Truth in Lending Act violations them made in this consumer credit transaction. I let them know that I am the holder and holder in due course. I am filing this complaint as Toyota Financial services has misled me and provided misinformation. Additionally, they were initially making comments that a downpayment was going to be needed but that is a violation of 15 USC 1605 ( a ) " 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. '' Additionally, 12 USC 83 states ; " ( a ) General prohibition - No national bank shall make any loan or discount on the security of the shares of its own capital stock. 

( b ) Exclusion - For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. '' They are stating that they are offering me a " loan '' but under the truth in act, all consumer credit transaction can not be a loan as the money is not coming from the lender. 

In the book released by the XXXX XXXX XXXX XXXXXXXX called, XXXX XXXX XXXX originally was written by XXXX XXXX XXXX in XX/XX/XXXX. The XX/XX/XXXX revision was prepared by XXXX XXXX XXXX XXXX. Page XXXX states, " If business is active, the banks with excess reserves probably will have opportunities to loan the {$9000.00}. Of course, they do not really pay out loans from the money they receive as deposits. If they did this, no additional money would be created. What they do when they make loans is to accept promissory notes in exchange for credits to the borrowers ' transaction accounts. Loans ( assets ) and deposits ( liabilities ) both rise by {$9000.00}. Reserves are unchanged by the loan transactions. '' Meaning that these banks are stating that the will " loan '' us our own credit which we originated and extend. We the consumer are the one ones that create the money, not the bank. 

In conclusion, Toyota Financial Service has denied me my own right to extend credit. They benefited from the use of my credit but provided no value back to me. Please investigate Toyota Financial for violations of consumer rights and misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint to address a response that I received from chase bank via mail. I submitted a complaint to the CFPB about Chase Bank obtaining my consumer report without a permissible purpose or consent from me the consumer. this is my final attempt to settle before I escalate this matter to arbitration. Chase Bank has in fact admitted to being guilty of XXXX count of obtaining my consumer report under false pretenses and without consent from me the consumer. CHASE BANK obtained a copy of my consumer report under false pretenses I never gave them written consent to obtain my consumer report. On XX/XX/2021 they pulled my consumer reporting causing my score to drop tremendously. They used my identifying information without my consent to obtain a copy of my consumer report from XXXX. chase bank committed identity theft pursuant to 15 usc 1681 ( a ) ( q ) ( XXXX ). The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Pursuant 15 USC 1681q, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. CHASE BANK ( JPMCB CARD SERVICES ) obtained my consumer report under false pretenses and without written consent and have admitted to this crime in their response to my complaint and they shall now be held liable. They responding letting me know that they asked the CRA to update the inquiry on my report, but there still was no permissible purpose or consent given to them from me the consumer to obtain a copy of my consumer report. they were supposed to conduct a permissible purposes audit but have failed to do this and provide me with any results. This unauthorized inquiry damaged my consumer report and they are now Criminally and civilly liable. Pursuant 15 USC 1681n ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; chase bank is in violation of 15 U.S. Code 1681q and 15 usc 1681b ( XXXX ) and 1643 of this title unauthorized use of a credit card which is defined as my social security number. under title 15 usc 1602
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$73.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, {$4700.00} / XX/XX/XXXX, {$2800.00} / XX/XX/XXXX, {$4000.00} / XX/XX/XXXX, {$560.00} / XX/XX/XXXX, {$2000.00} / XX/XX/XXXX, {$980.00} / XX/XX/XXXX, {$250.00} / XX/XX/XXXX, {$990.00} / XX/XX/XXXX, {$490.00} / XX/XX/XXXX, {$270.00} I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft to of my identity to the Federal Trade Commission and I have uploaded copies of the identity theft report. Please delete the items as soon as possible.