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

My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.
Product: Credit card

I purchased a few things from XXXX and they sent me the wrong item they are refusing to send me a return label and the credit card company is refusing to credit my card back. So I had to pay for shipping myself to send everything back
Product: Credit card

XXXX : XXXX Dear CFPB officials, I appreciate this opportunity to file a complaint or report. First, I want to congratulate the XXXX XXXX savings account section ; they are very professional and humane individuals. Unfortunately, I can not say the same for the credit card section. A few days ago, I submitted some complaints to XXXX XXXX because I have felt discriminated against in the sense that XXXX XXXX knows that I, XXXX XXXX, have an ITIN number, not a Social Security number. I find that their policies are somewhat discriminatory and only favor wealthy individuals who have Social Security numbers to " purchase '' authorized users, thus using this system to their advantage. Without much credit history, they can immediately boost their scores, allowing them to obtain good limits on personal cards and then very high limits on business cards without even having a business. Many people on social media boast about obtaining phantom credits without having businesses, securing large limits, while those of us who actually have businesses can not access any financing. Tell me, sir from CFPB, if this is not discrimination, what is? This was precisely my complaint : unfair competition. Although I am a person with an ITIN number, I have my business well-structured with an office in Florida and everything in order, yet I am not even considered for my first personal account due to having an ITIN number. Even more concerning, in the letter I will attach, it states that my first card application was rejected because XXXX does not provide or have information about me. This is obvious ; I can not even access my credit score because I have an ITIN number. Furthermore, they claim that my amounts are too low to make a decision, but they do not consider that we have had a relationship through a savings account for XXXX months. I am also just starting in the commercial ecosystem here in the United States, but I am very disappointed with the system and how people are treated, especially those of us who unfortunately have an ITIN.
Product: Debt collection

It is my debt, I tried making arrangements to keep it from my credit report but was advised that if I could not pay the debt in full by a certain date it would be reported to my credit report. I am currently making XXXX payments a month. 

I checked my credit report, and it shows this collections agency has reported the same derogatory remarks 4 times in one month. XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 

I called today XX/XX/XXXX @ XXXX EST spoke with the representative, I did ask her if it was illegal to such reporting. She started that I would need to speak with an attorney or get help from an outside entity. She started they report weekly to the credit bureaus. I have worked hard to get my credit score to where I'm able to get credit. I owe the money. I'm trying. I did tell her in the beginning I worked hard at getting my credit score up, and please do not send it to my credit report. She advised that I should try to get a personal or school loan to pay off the balance or its going to be sent to my credit report. If they have to report it, please only once a month.
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 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.

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 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: Vehicle loan or lease

Dear FTC, I am writing to file a complaint against Toyota Financial Services regarding their unethical business practices. I purchased a car and financed it through XXXX XXXX toyota and with their toyota financial department in that store on Date : XXXX with toyota financial ACCOUNT : XXXX. However, what seemed like a simple loan turned into a nightmare of deceit and fraud. 

Initially, I thought I was taking out a standard loan with Toyota Financial Services, but it became clear that they were more interested in making money off me through various interest fees. To make matters worse, the contract we signed was breached multiple times and they continually changed the terms of our agreement. I was pressured into returning to their loan office, where I was tricked into signing a new contract with terms that were not favorable to me. 

Despite my repeated attempts to resolve the situation, Toyota Financial Services continued to exploit my trust and deceive me. They added various extra fees to my account, and even after I had paid these fees in full, they still reported late payments and delinquencies to my credit report, which caused serious damage to my credit score. 

Their actions were not only unethical, but also illegal. I demand that Toyota Financial Services take full responsibility for their actions and compensate me for the harm they have caused to my credit and my financial well-being. 

I am writing to file a complaint against Toyota Financial Services for their unethical and illegal practices in reporting false information to credit bureaus. As a customer of Toyota Financial Services, I experienced late payments in XXXX California from XXXX, which caused late fees, but all fees were paid. 

However, I later discovered that Toyota Financial Services reported three late payments and two delinquencies to my credit report, even after I paid all the late fees. These false reports have caused severe damage to my credit history, resulting in denial or high interest rates for apartment rentals, car purchases, and business loans. These records will remain on my credit report for seven years. 

I have tried to resolve this matter with Toyota Financial Services, but their customer service representatives have been unhelpful and unresponsive. I have even hired credit repair attorneys, but to no avail. 

Furthermore, I have reason to believe that my finance paperwork was tampered with by a XXXX  male at XXXX XXXX Toyota after the paperwork was completed by a XXXX finance manager named XXXX. This action is illegal and adds to my frustration and mistrust of Toyota Financial Services. 

I request that the FTC investigate this matter and take action against Toyota Financial Services for their unlawful practices. I believe that their actions have harmed not only me, but potentially many other customers as well. Thank you for your attention to this matter. 



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

In accordance with the Fair Credit Reporting Act, Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

on date XX/XX/2021 i sent a dispute letter to experian concerning an account on my credit report. it is well over 60 days and experian has not responded to me, which i believe is a violation of the law. which means that they were unable to verify the information as well as complete an investigation during the alotted timeframe of 30 days. with that i am requesting that experian remove this account from my consumer report and my credit file and mail me an updated credit report. i am in fact who i say that i am and i also have included my identifying items to show that i am in fact who i state that i am
Product: Debt collection

These are medical bills that have the incorrect amounts. All of the collection items from United Revenue Corp says that I owe {$840.00} for medical services. This information is incorrect and a violation of HIPPA law and I have repeatedly asked to remove the accounts and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid XXXX  Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXX/XX/XXXX XX/XX/XXXXAccount # XXXX, XX/XX/XXXX # XXXX, XX/XX/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 states a consumer reporting agency can not furnish a account without my written instructions.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX THE ORIGINAL CREDITOR NATURAL CONSUMER, FCRA RIGHTS HAVE BEEN VIOLATED BY EXPERIAN XXXX AND XXXX. THEY ARE REPORTING A FRADULENT ACCOUNT BY ( XXXX XXXX XXXX  ) ON MY CREDIT REPORT. XXXX XXXX XXXX STATES THAT THE CREDIT BUREAUS NEEDS MY CONSENT TO REPORT ANYTHING ON MY CREDIT REPORT. I XXXX XXXX NEVER GAVE THEM ANY CONSENT TO REPORT THIS FRADULENT ACCOUNT ON MY CREDIT FILE, I NEVER HAD ANY DEALINGS OR BUSINESS WITH THIS DEBT COLLECTOR. THIS INFORMATION IS FALSE MISLEADING UNFAIR PRACTICES.
Product: Checking or savings account

I am submitting a formal complaint regarding Chase Bank 's mishandling of my account, their failure to adequately address disputes, and their lack of transparency regarding their policies. 

Issues : Unfamiliar Beneficiary Account : Chase Bank allowed someone to add and remove a beneficiary to my account without my consent or authorization. When I inquired, they claimed they had no record of the beneficiary account or the date it was added. This raises serious concerns about the security of my account and the banks processes for handling such changes. 

Overdraft Policy : An overdraft was placed on my account due to Chases restrictions, which paused my direct deposits. Despite the overdraft resulting from their own actions, Chase has refused to let me settle it unless I physically visit a branch and speak to a teller. I requested a copy of the policy requiring this, but Chase has failed to provide it. 

Unauthorized Charges : Chase allowed XXXX XXXX to withdraw over {$1000.00} from my account without my authorization. Chase justified this decision solely because I had previously used XXXX services and had a digital wallet with the company, which I believe is an unreasonable and negligent stance. 

These actions demonstrate a pattern of negligence and lack of consumer protection by Chase Bank. As a result, I am concerned about the security of my finances and Chases ability to uphold its responsibilities to its customers. 

Desired Resolution : An investigation into Chases handling of these matters, including their policies regarding beneficiary changes, overdraft settlement, and disputed charges. 
Reimbursement for the unauthorized withdrawals from my account. 
Assurance that safeguards are implemented to prevent similar issues in the future. 
Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXUS, XXXX AND XXXX XXXX  ARE VIOATING ALL CONSUMER PROTECTION LAWS, THE BANKRUPTCY XXXX WAS DELETED FROM XXXX AND WAS RE-INSERTED INTO MY CREDIT FILES WITHOUT 5 DAY NOTICE TO CONSUMER THUS VIOLATING THE F.C.R.A. AND XXXX  IS ALLOWING XXXX   XXXX REPORT 4 RETAIL ACCOUNTS LISTED IN INSTALLMENT LOAN SECTION BY CHANGING ACCOUNT TYPE. SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXXXXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXXXXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Bank account or service

I signed up for an account with a XXXX bonus. I have not recived it. Now they are saying I had prior accounts but they are with my minor kids. Which I was told I still qulified. Then they said I was negative which I was for a fee caused by the bank. An annual fee I was unaware I had. So they said this was why I was I had not received bonus. I feel like this was misleading and the bank is trying to find any reason not to pay.
Product: Debt collection

Here is a copy of the text sent to me VIA EMAIL : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/2022 Current Creditor : XXXX XXXX XXXX XXXX Current Creditor Ref # : XXXX Our Ref # : XXXX Original Creditor : XXXX XXXX  Our client has authorized us to offer you the following discount to resolve your account : Balance Due : {$530.00} Discounted Payment Offer : {$170.00} Payment Must Be Received By : XXXX Should you have any questions regarding this, please call us at XXXX. 


Upon receipt and clearance of the discounted payment amount we will notify our client that the account has been resolved for less than the full balance. We are not obligated to renew this offer. 

To make a payment online, please visit us at www.syncomcorp.net and click on " make a payment ''. 
Log in using Account ID : XXXX XXXX Account # : XXXX This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This company is attempting to contact me via email FOR A DEBT THAT I DO NOT OWE NOR HAVE ANY KNOWLEDGE OF. IT IS NOT MINE. 

Not only that, but they have violated multiple subsections of the FCRA and have caused me great emotional distress.
Product: Money transfers

Earlier this month I made two transfers via Wells Fargo sure pay using the recipient 's email address ( XXXX ). According the the recipient, he never got the money. I tried calling and send emails Wells Fargo claims department. But I did not get any clear answer. If the recipient never got the money - then where did it go? 

The following are the transaction details : Expand XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX {$330.00} Expand XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX TAX ADVICE XX/XX/XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

While booking a Southwest Airline Flight, I been preapproved for a Southwest Rapid Rewards Credit Card. I applied and been approved. The advertisement communicated if you are approved then you can use the card and receive XXXX $ off of purchase of XXXX $ or more. I received a confirmation email stating I will receive the card in XXXX to XXXX business days. At this time it has been XXXX business days and I have not received the card. 

I have called Southwest Airlines communicating I been accepted and wanted the XXXX $ discount for getting approved. They told me they could not grant me the discount, that I would have to call Chase Bank. I contacted Chase Bank and they said I have been approved of the card but can not use it. They can not provide information for me to use it so I may make the purchase, as stated in the advertisement, to obtain the discount. 

I have saved my flight, but did not purchase as I am waiting for the credit card. However, now, the flights have sky rocketed in price. 

I need the discount as stated in the advertisement asap and need the credit card asap, as its not received!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to case number XXXX. Truist has completely failed me and I am at a complete loss with this Bank. I was the victim of identity theft and had a loan taken out fraudulently in my name. I have submitted all documentation to them including an FTC Identity theft report, police report, ID verification and today I receive a document stating that the account was not the result of Identity theft and no further action will be taken. I don't believe that Truist investigated this matter at all. No investigation report was provided to me at all. When I asked I was simply told that the Loan agreement was sent to my mailing address. This a blatant lie as I never received any notice of a loan being opened in my name. 
I have been a client of Truist/BB & T for 20 years and they are basically calling me a criminal and a liar the first time I have ever had any issues with their bank. I provided a police report and FTC report certifying that this loan was fraudulent and their response to this was negligent and dismissive. I would like a proper resolution to this issue otherwise I will be forced to pursue legal action against Truist. I will also be reporting this to local media outlets that may be interested to know that Truist Bank apparently does not follow the FCRA and Regulation E. Truist should support their long time clients who fall victim to Identity theft and remove fraudulent accounts and inquires from their credit report, rather than treat them like the criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past six months, I have mailed various letters to the credit bureaus in regard to the inaccurate information that is reported on my account. The letters sent were requested to validate the inaccurate account reported on my credit profile. I have asked the bureaus, TransUnion and XXXX, to verify the validity of this account, and have yet to receive competent evidence that I have any legal obligation by either bureau. I have provided verification letters, a copy of the FTC report that was filed, and letters sent to the creditor expressing how I was a victim of identity theft to the bureaus. The account that is inaccurately being reported is a XXXX XXXX credit card account that reflects 120-150 days past due on my credit profile by TransUnion and XXXX. The credit bureaus refuse to provide this evidence. Therefore is in violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.