23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This involves a dispute that was resolved in my favor in XX/XX/XXXX, for a XXXX service by XXXX XXXX on XXXX XXXX XXXX. 

The service was done without any disclosure of the pricing, after which I was forced to pay the sum of {$3100.00}, - for a facial service lasting less than an hour. I was told I could dispute it or ask for a discount after the fact. 

I won the dispute providing evidence of other merchants in the same line of business, who stated that the charges were more than outrageous, as common sense would tell you. 

You 'll understand my surprise to now learn that the merchant engaged debt collectors after agreeing to resolve the dispute in my favor and releasing the charge made. 

I have gotten in touch with the debt collector and explained my situatin. I was asked to put things in writing, so I did, also providing proof of the dispute being resolved. I was told my case would be discussed internally.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer and an investor I have requested to opt out of any and all authorization I the consumer may have given JPMCB, written, verbal and non verbal per 15USC6802. 
15 USC 6802 ( b ) also is a prevision of the GRAMM-LEACH-BLILEY ACT XXXX GLBA XXXX that give customers the right to prevent financial institutions from disclosing their nonpublic personal information to nonaffiliate third parties. financial institutions must provide customers with their information sharing policies and a choice to opt out. 
Per 15 USC 6801 ( b ) It is in the policy of the congress that each financial institution has an affirmative and continuing obligation to protect the security and confidentiality of those customers nonpublic personal information. Non public personal information by definition is ( Identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer or otherwise obtained by the financial institution. 

I have given JPMCB written and verbal instructions as to my right and demands to opt out of any and all reporting to my credit profile but they continue to do so.
Product: Debt collection

Chex Systems has not updated on an Account with XXXX XXXX  as paid in there system. 

I was at my bank doing a construction loan and Chex System showed up. 

I'm also filing with the US Attorney and DOJ complaint on Chex Systems due to a law suit on XXXX XXXX  and FDIC in which XXXX XXXX  never replied back or corrected the ERROR I can also include Chex Systems in the Law Suit by error and false reporting by XXXX XXXX and Chex Systems
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank allowed someone to open a account in my name. I was informed by the Earlier warming the account is overdrawn in the amount of XXXX I called them and advised that this account doesnt belong to me. I filled out the forms that was provided to me through email from the bank and I still havent heard from the bank .I disputed this account with the XXXX XXXX XXXX which handle account reported by banks. USBank only respond they will not changed there information they wouldnt provide any information to show how this account is accurate and that Im responsible for the account. There no US Bank in my area. From research this bank is located several states from me. I live in XXXX born and rasie. If Im not mistaken the close branch to my area is XXXX XXXX or XXXX. I like this negative account resolved and moved off my XXXX XXXX report this negative information would keep me from obtaining a checking/saving account in the future.
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  XXXX XXXX,,XXXX XXXX  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 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,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I electronicially demanded that XXXX, Tran Union and XXXX  immediately remove negative information which is now affecting my rental home. I may lose my home due to the illegal reporting from XXXX. It now well over 30 days and I contacted XXXX, Trans Union and Equifax to remove the negative information reported by XXXX Credit Initial Acct. XXXX XXXX XXXX. All 3 credit bureaus are refusing to remove the negative item related to the XXXX negative information. 

The business with XXXX is illegal in the first place. I was sold a car resale whereby XXXX dealership never serviced to the car, yet handed the car to me. This XXXX car had to be picked up by XXXX dealership after only XXXX and XXXX months. The car was not driving. Then, XXXX after getting paid thru varied insurance policies had nerve to sell the contract to a Debt Collector for pennies on the dollar and then in ill will - put on my credit report a Repossession WITHOUT MY WRITTEN PERMISSION. I was never issued a NOTICE OF FURNISHING NEGATIVE INFORMATION and I never signed a NOTICE OF FURNISHING NEGATIVE INFORMATION I am well aware that as of XXXX - Fair and Accurate Credit Transactions Act of XXXX was put in place to protect consumers like myself to protect against bad good faith business who initiate contracts involving illegal activities such as reselling cars that are never serviced and sold defective. XXXX does not have anything in writing from me reporting ANYTHING negative on my credit report. I have asked XXXX, XXXX, Transunion, XXXX  to provide me proof that I signed ANYTHING permitting XXXX to report negative information. In the past 30 days as of XX/XX/XXXX, all 4 companies have not performed in providing anything signed by me stating NOTICE OF FURNISHING NEGATIVE INFORMATION - XXXX is reqiured to me the following statement " WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. '' Their refusal to remove their negative reporting is not affecting my housing right - under Fair Housing Act, Civil Rights Act of XXXX, Civil Rights Act of XXXX. XXXX Credit failed to obtain my written authorization under Fair and Accurate Credit Transactions Act of XXXX - XXXX is required to provide me above statement as prescribed by Section XXXX. 

I need XXXX, XXXX, XXXX  and XXXX Credit to remove immediately the unlawful rereporting which does not complay with Fair and Accurate Credit Transactions act of XXXX prescribed by Section 217. 30 days have passed - all three credit bureaus want to dsipute AGAIN! This needs to stop. I am losing my rental home due to this illegal marking. They failed to get my permission in writing - as required by Fair and Accurate Credit Transactions Act of XXXX prescribed by Section 217. I can not lose my home due to XXXX XXXX, XXXX, XXXX andTransunion electing to bully, harrass and descriminating against me by refusing to remove this negative marking,
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 3 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 XXXXXXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00}
Product: Checking or savings account

Truist bank has falsely advertised a checking promotional offer that states consumers get {$400.00} when you open a Truist Bright, Truist Fundamental or Truist Dimension checking account and receive two qualifying direct deposits totalling {$1000.00} or more within 90 days of account opening. Checking bonus code is XXXX I opened an account in XX/XX/2023 and in less than 90 days I met all the requirements. Ive called my branch where my account originated and the promotional department in Truist. I spoke with several representatives and supervisors in XXXX, XXXX, XXXX, XXXX and XXXX of 2023. All of which stated that I met the requirements and should receive the {$400.00} bonus. First it was stated that I should receive it in 7-10 business days then the last supervisor I spoke to said my complaint would be reviewed and credit can take up to 29 business days. Since my initial complaint, it has exceeded 29 business days. It has been more like months. The disclosures, account opening documents and information has not honored and there has been a complete lack of transparency and truth regarding the checking promotion and the terms and conditions. The last supervisor I spoke to said that she would forward a complaint and that someone should contact me from the bank. No one as of this date has contacted me, which is terrible customer service and very misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into XXXX website on XXXX XX/XX/2022. Found notification from XXXX XX/XX/2022 stating a collection agency, Goodman Frost, conducted a hard-pull on my credit file without a permissible purpose. The type of pull was identified as being related to an " instalment loan or new bank account inquiry. '' I have had zero ( 0 ) contact with the colection agency and am unaware of what any potential collection action could be for.
Product: Credit reporting or other personal consumer reports

The the company XXXX XXXX was removed from my account all of a sudden its back on my account this company is totally a scam they put Negative information on my account Made up two different contracts one which wasnt signed by me they need to be deleted from my credit history and all the negative removed Immediately
Product: Checking or savings account

I opened a Citibank checking account on XX/XX/XXXX and signed up with a promotion that allowed me to received a checking account bonus of {$300.00} after making two qualifying direct deposits of at least {$1500.00} within 90 days ; after making these deposits, I was told I would receive the bonus within 30 days. However, I made these two direct deposits more than a month ago : {$1.00} deposit on XX/XX/XXXX, {$1.00} deposit on XX/XX/XXXX, {$1400.00} deposit on XX/XX/XXXX. I have yet to receive my {$300.00} bonus, despite meeting all of the requirements ; I'm concerned this bank is engaging in false advertising with this promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : 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  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXL Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX 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 handwritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX  XXXX .... Date opened XX/XX/2017 XXXX $ XXXX Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I claimed chapter XXXX bankruptcy in XXXX of XXXX and has been discharged already, and still says open on credit report. Also XXXX credit report shouldnt it fall off after 5 years for a chapter XXXX?
Product: Credit reporting or other personal consumer reports

Request for Blocking of Information Under FCRA Section 605C** Dear [ Credit Reporting Agency ], I am writing to formally request that specific information be blocked from my credit report, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ), due to my situation as a victim of debt bondage related to XXXX XXXX 

In support of this request, I have provided the required documentation as outlined in the Trafficking-Debt Final Rule 1022.142 ( b ) and as specified by the Consumer Financial Protection Bureau ( CFPB ). The enclosed documents include : - A government-issued photo ID.

- A current utility bill in my name.

- A letter from an advocacy organization that verifies my status as a victim of XXXX XXXX  debt bondage under Rules 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

Please take action to block this information within the four business days required by law.

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

Hi I Just recently took a look at my credit file because Im getting ready to purchase a home and there are a few things on my file that are not mine. Im not going to panic just yet but these account needs lo be taken off my credit XXXX. Im doing this on my own and need some help. I sent a complaint to the FTC and the police. I also saw where my credit was ran alot and I have no! ran my credit these are the Inquiries that I dont know anything about 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to report multiple inaccuracies on my credit reports from all three major credit bureausXXXX, Experian, and XXXX. These inaccuracies stem from unauthorized accounts that were likely created as a result of the XXXX data breach that occurred in XXXX. 

Details of the Incident : - Date of Breach : XX/XX/XXXX - Discovery of Inaccuracies : I first noticed the unauthorized accounts on my credit report in XX/XX/XXXX. Action taken I disputed the XXXX accounts in XX/XX/XXXX and they came back verified with no proof of verification from the companys. 
Unauthorized accounts ( Not my accounts ) XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, Experian, XXXX XXXX XXXX bank account # XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally report that all three major credit bureausXXXX, Experian, and XXXX are currently reflecting inaccurate and unauthorized accounts in my name. These accounts appear to be a result of the XXXX data breach that occurred in XXXX, which compromised the personal information of millions of Americans, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, the erroneous information remains on my credit report. This situation is causing significant harm to my creditworthiness and overall financial health. I request your immediate assistance to ensure that these unauthorized accounts are investigated and removed from my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. Specifically, under 609, I have the right to obtain a copy of my credit report and to be informed of any information that is being reported. Additionally, under 611, I am entitled to have inaccurate or incomplete information corrected or deleted if it can not be verified as accurate. 

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) provides me with the right to request that any fraudulent information resulting from identity theft be removed from my credit report. Since these accounts were created without my authorization, they fall under the scope of this Act. 

I urge the CFPB to investigate this matter thoroughly and to facilitate the removal of these unauthorized accounts from my credit reports as soon as possible. My credit file should accurately reflect my credit history and not include any accounts that do not belong to me. 


Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Consumer Loan

We purchased a car at a XXXX dealership who arranged financing with Wells Fargo Dealer Services ( account XXXX ). The rate was a high one because of a previous bankruptcy. At the time of buying the car, we provided proof of insurance from XXXX XXXX ( Pol XXXX ). Shortly thereafer, we received a notice from WFDS that they needed proof of insurance and provided the website XXXX to upload proof. We did that. A month later we received a notice saying that WFDS would going to mandate insurance on our loan. We called the number listed. I presumed it was WFDS. Spoke with a representative who assured me that everything was in order and if there was a problem, they would call. No call was forthcoming. A month later, we received our WFDS loan statement. The amount of the loan was increased to cover the insurance. 

I called WFDS today ( XX/XX/XXXX ) to complain. Both the representative and his supervisor said that they could n't help and specified that a separate " division '' ( their word ) handled insurance verification. I pressed and found out that the " division '' was actually a separate company, XXXX XXXX. I pressed further and found out that this is also the company that provides the mandatory insurance. I called XXXX XXXX and they said they could n't help me because their system was down. 

I am quite suspicious about this whole arrangement. WFDS is being deceitful by calling it a " division ''. That supposed " division '' which handles insurance documentation has EVERY INCENTIVE to lose the paperwork and force the coverage on us. I did a quick Google search and found this is not uncommon. 

We provided proof of insurance at least four times : ( 1 ) At loan origination, ( 2 ) uploaded to their site, ( 3 ) called and spoke with a representative, and ( 4 ) our insurance agent submitted it. I am asking the CFPB investigate to see if this is a predatory practice being perpetrated on subprime borrowers who typically lack the resources to fight back against it.
Product: Credit reporting or other personal consumer reports

XXXXExperian, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXX. 2024 XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my XXXX, XXXX, & Experian credit reports. Please delete ALL of the Following : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$2600.00} XXXX XXXX ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$750.00} - XXXX XXXX ) XXXX XXXX XXXX ( XXXX Accounts ) {$580.00} & {$980.00} - XXXX & XXXX XXXX ) XXXX XXXX {$380.00} - XXXX
Product: Debt collection

Transworld Systems Inc has violated the FDCA as outlined in Daugherty V Convergent Outsourcing Inc, 836 F.32 507 ( 5th Cir.2016 ) which states that a consumer report is a medium of communication and thus subject to cease-and-desist requirements
Product: Debt collection

I have medical debt that I incurred in XXXX 2011. I have been making regular payments for past 4+ years via checks. Last year the mail was undelivered as the address was invalid. I did n't receive any communication from the Collection Agency about address change. As a result I missed few payments and this debt was posted on my credit history. I spoke to the collection agency yesterday and they told me that I have to pay this debt in full to have it removed from my credit history. They collected all my financial information and it was evident that I could n't pay this in two months as they suggested. 

This is clearly the case of harassment as they are using this opportunity to accelerate the payoff. If I was informed of the address change then I 'd have not let payments lapse. 

Collection Agency info : REVSOLVE INC XXXX XXXX XXXX XXXX, AZ XXXX Ph : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attach the report with the fraudulent accounts I never open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several disputes since XX/XX/2020 and yet until I submitted a complaint through this portal have I received a response regarding my information does not match their records and that I need to send in a legible copy of my drivers license and etc. I've used the same copy of my license, social security card, and utility bill and never had a issue. This is unacceptable and a blatant refusal to honor my request so we are going to try this again Despite numerous dispute requests, letters, and identity theft affidavits, I've been unable to resolve this particular matter or issue with XXXX, XXXX, and Equifax in regards to inaccurate and fraudulent information appearing on my credit file. There is an account listed as XXXX on my credit file which displays an address of XXXX XXXX XXXX which is clearly the wrong address upon recent research. Another account by the name of XXXX XXXX does not show a date opened nor has XXXX XXXX  ever provided any HIPPA Release Documentation upon request. A XXXX XXXX XXXX and XXXX XXXX account which both were opened as a result of identity fraud/theft continues to appear on my credit file despite after the credit bureaus were notified and also denied to block the information upon receiving notification within 4 business days. I believe this a deliberate denial and my consumer rights continue to be violated under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. ( Between XX/XX/year> and XX/XX/year>, your XXXX XXXX  collections account was removed from your credit report.