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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Ive had this account since XX/XX/2018 with a flawless payment history. Recently I had unauthorized access to my account which submitted 2 or 3 payments that were returned it did not affect my regular payment which I still made as planned. My credit card company Home Depot by way of Citibank arbitrarily closed my account without contacting me. I would have preferred to be contacted and my account not been arbitrarily closed. Thx!
Product: Credit card or prepaid card

I used my Capitol One credit card to book a vacation for myself my daughter and my grandchildren, there was an issue while at the hotel. The hotel has promised me a refund. Credit card company has received evidence that a refund was promised. Credit from merchant or credit card has not been posted to my account. Credit card company is not honoring the refund that was promised to me or helping to resolve my issue.
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of the account and around XX/XX/year> you certified to Experian the information was accurate. I believe you failed to conduct a reasonable investigation and for that reason i am requesting the following information.

Retail Installment Sales Contract/ Lease Agreement/ Auto Loan Contract Include any Arbitration Provisions Complete Accounting and Payment History Notice of Sale/ Notice of Default w/ proof of mailing Explanation of Calculation of Surplus or Deficiency w/ proof of mailing Notice to redeem personal property w/ proof of mailing Details regarding whether the sale was public or private Please provide proof {$8500.00} was written off. Please provide charge off disclosure and date it was charged off, provide documentary evidence of how the account is now {$9200.00} past due. 
Although i was only a co signer at the time i am requesting all accounting records and documentary evidence. I believe the account is reported inaccurately because the account by commercial standards was a credit sale and no money was loaned to me or on my behalf. Please also provide all assignments and transfers. To my knowledge it is unlawful to use the property as collateral for a receivable. To my knowledge the security interest secured all that was owed. I believe you are engaging in unfair and deceptive trade practices. I didnt apply for a loan from you and you gave me and the buyer cash for the car. This was a consumer credit transaction derived from a CREDIT SALE. Please be aware that you have a fiduciary duty to perform and your failure to perform constitutes negligence and a restraint on trade. I entrust that you will conduct a reasonable investigation into the inaccurate, incomplete, and unveried information.
Product: Debt collection

Company name : Heritage Corporation XXXX XXXX XXXX XXXX, XXXX, IN XXXX Phone : XXXX XXXX This company has reported derogatory information to major Credit Bureaus on my behalf. Company claims that a debt of {$11000.00} is owed and has been charged off. i have written this company and requested for documentation to be provided to me of original contract and proof of my identity agreeing to such debt. In response this company represenative by the name of XXXX XXXX, replied to my letter stating she has no record of debt on file. this letter was recieved XXXXXXXXX2017. However, this company continues to report derogatory information into my credit file. <P/>I am asking that this company delete this inaccuracy out of my file after failing to supply me with any information that I have requested. This debt does not belong to me.
Product: Credit card or prepaid card

Dear CFPB, I am writing to lodge a complaint against Wells Fargo Bank for their unprofessional, unreasonable, and deliberately troublesome approach towards customers, resulting in wasted time and a lack of resolution in handling disputes. 

I recently encountered a dispute with XXXX regarding an order. I have already returned the merchandise, but the XXXX system has not been updated. Despite my numerous attempts to contact them and reach out to USPS to locate the package, which has already been picked up, I have been unsuccessful. 

Therefore, I had no choice but to initiate a dispute through my bank. However, Wells Fargo has been the least competent among the banks I have dealt with when it comes to handling disputes. They lack the necessary expertise and only waste customers time. After waiting for 15 minutes, they transferred my call to the dispute department, where I had to explain everything all over again. This is a deliberate attempt to inconvenience customers and waste their time, ultimately leading them to give up. 

In comparison to the services provided by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, my experience with Wells Fargo has been extremely disappointing. This bank should seriously consider shutting down and declaring bankruptcy. 

I sincerely hope that the authorities will oversee this matter. 

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

XXXX XXXXXXXX XXXX XXXX. 
- Closed 16 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights. 

XX/XX/XXXXXXXX XX/XX/XXXX- XXXXXX/XX/XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XX/XX/XXXX- XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- 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 An Account Without My Written Consent.
Product: Debt collection

I have reached out to this company and all three credit bureaus multiple times within the last 90 days to no avail. I requested information pertaining to the validation of this debt and well as this agency right to collect within the state of Louisiana. They have not responded at all but continually violate my consumer credit rights by keeping this account listed on my credit reports.
Product: Credit reporting or other personal consumer reports

To whom it may concern, The deletion or blocking of accounts due to a data breach and unauthorized inquiries is governed by FCRA Section 605B ( 15 U.S.C. 
1681c-2 ) and FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts reported on my consumer credit report, which stem from a data breach or fraud incident. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I never authorized these actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act 's Section 605B and Section 604. I have already contacted the relevant companies and found that these actions were initiated without compliant validation or original proof from any of the reporting entities. Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Permissible Purpose Of Consumer Reports- Please change payment status to Paid As Agreed or OK The information provided above does not appear to meet any certified reporting standards and may be unreliable. I kindly request that any incorrect, incomplete, or unsupported material be removed from the record. Furthermore, I would like to draw your attention to the image above for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwhich highlights additional areas of concern that need to be addressed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX XXXX : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report, my identification and other supporting documents to provide that the accounts was not mine. A police report is on file with the company. XXXX  removed the other fraud accounts but did not remove the fraud address and other fraud account. One account was reinserted without notification to me. Another XXXX XXXX stole my identity and they have picture of guy and police report. We have same name just different race.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried for months to resolve and settle this account. First it was with Walmart, it's been tossed around with XXXX  XXXX and Synchrony Bank, now it's with XXXX XXXX  XXXX. I have called and called many times. NO RETURN CALLS. I have left messages with Mr. XXXX, XXXX and XXXX. NO RETURN CALLS. No communication whatsoever. I have filed complaints before and XXXX XXXX XXXX said they didn't have it. I call Synchrony Bank they say they do. Finally today they say they do have it. No return calls after 4 calls! This is wrong. They are harassing me. I am sick of it. Synchrony Bank says they own it but refuse to take a payment or try to settle this. Please help me. I will be filing a complaint with the Missouri Bar Association.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stated they investigated the inquiries on my credit report. Stating " inquires are actual facts '', but never investigated the inquires at all.
Product: Vehicle loan or lease

Lease with Hyundai Motor Finance initiated in XXXX for a XXXX XXXX XXXX XXXX. Lease buy out was executed in XXXX after following proper steps at end of lease term to obtain pay off balance and notify Hyundai. Consumer pursued a loan through XXXX 's XXXX XXXX XXXX in CT for purchase price of car. Consumer assumed title had been transferred to XXXX XXXX XXXX XXXX XXXX. 

During XXXX consumer was notified that the credit union never received the title. Consumer called Hyundai to determine why and learned of outstanding property taxes which were owed since the lease buyout. Because the title stayed in the name of Hyundai, property taxes were sent to Hyundai and paid by Hyundai although no correspondence sent to consumer or credit union. Consumer immediately paid outstanding property taxes over the phone expecting title to be released. 

A few months go by and still no title sent to credit union or consumer. Consumer called again only to learn a mileage odometer statement was needed and a bill of sale. This is now three years after the lease buyout and all of this paperwork was originally sent. Another year of taxes paid by Hyundai, consumer again reimburses Hyundai.

Bill of sale has now been sent four times to Hyundai, by fax, through Hyundai secure email service and twice by email to a customer service representative.

No correspondence from Hyundai and terrible customer service every time consumer calls. Collections department is where all calls are routed to for this matter and treated by customer service as if consumer is behind on bills. Consumer continues to ask for manager, none available and has asks multiple times to be transferred to the appropriate department for transferring titles and consumer is told the department doesn't take phone calls. 

Hyundai always verifies contact information when calling so the company knows how to reach consumer but chooses not to. Three years now been trying to have Hyundai release title! Absolute terrible customer service.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Fair Credit Reporting Act XXXX FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Prepaid card

I've got XXXX AMEX virtual rewards gift cards, one is for {$15.00} the other one is for {$10.00}. I've tried many places online and in person to spend these cards. The cards are supposed to work wherever AMEX is accepted in the US. They don't. Ive called AMEX many times over this issue and was told to find a store that don't need my address when using the card. Ive not had a single store ask for it and yet the cards are always declined. I was told by AMEX they do not have a list of places these cards will work at. I was told to just keep trying until I found a place they would work. Got a friendly reminder that the balance will expire in 6 months from the issue date. One support person offered me a refund then said of no we can't do that since this was a reward gift card from Inbox Dollars. I used all my points for these scam cards. It should not matter if cash was used to obtain these or not. They are GIFT cards. Useless as can be. These cards have been nothing but a pain in the rear. Ive wasted many hours trying to resolve this issue. There's many other people with the same issue. AMEX IS STEALING FROM THE CUSTOMERS, IF THEY DONT SPEND THE CARD BALANCE WITHIN XXXX  MONTHS IT EXPIRES. AMEX CUSTOMER SUPPORT IS A JOKE, they read you the same script everytime. Offer absolutely no solution and refuse to give any helpful information. It's impossible to use these fake scam cards. I'm guessing AMEX set it up this way so they could steal peoples money when they can't use these fake cards and figure people will just give up trying eventually. I know {$25.00} Is not much money but it is the principle of it. {$25.00} adds up fast when there's thousands of people getting robbed of their funds. Please help me put a stop to AMEX scamming people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old accounts on there that should be taken off
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.