23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I responded to a pre-selected application for an American Express credit card. I received a letter from American Express dated XX/XX/XXXX that informed me that my application could not approved as American Express had cancelled previous accounts. The letter further indicated that I was welcome to submit another application at a later date. The cancelled account to which American Express referenced was in XX/XX/XXXX and since that time I have paid all of my credit obligations on time and have a FICO credit score of XXXX. 
I responded with a letter dated XX/XX/XXXX in which I requested a copy of the company credit card policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. 
American Express replied with a form letter dated XX/XX/XXXX that failed to address my request for the company credit review policy. The letter simply re-stated the reason my application was declined. 
I responded with a letter dated XX/XX/XXXX specifically requesting a copy of the American Express credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I wanted to ascertain that the credit decision on my application was made in conformance with an established credit review policy and not an arbitrary, capricious decision based on age or race discrimination. 
The last letter from American Express dated XX/XX/XXXX again failed to address my request for a copy of the company credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I will accept the American Express decision to decline my application if the credit review policy indicates the period of time after an account has been cancelled is eleven years or more, since my account was cancelled ten years and ten months ago. The credit review process should be the same for all applicants regardless of age, race or religion and without providing a copy of the credit review policy it is impossible to ascertain that the policy is being uniformly and equitably applied. American Express in every letter indicated that a new application could be submitted at a later date but without indicating the period of time a new application could be submitted to receive favorable consideration the company may be using this as a method of surreptitious discrimination.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account info Account name XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$870.00} written off. {$10.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$3000.00} Highest balance - Terms 36 Months On record until XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

I was never notified that my travel trailer loan sold from Bank of the West to BMO.

My auto draft was cut off and I didnt know it wasnt being paid. I made every payment for 6 years auto pay. Never thought twice about it. Then starting getting calls from BMO and they said they needed to take to me. I dont bank with BMO so I thought they had wrong person. Never thinking it was my trailer loan. XXXX months after no payment they finally tell me interest urgent and they need to talk. I answer and they wont move payments, they dont have any kind of program to help and they said make payments XXXX times amount. I was going thru a divorce and I was learning my new budget. I made a payment then XXXX payment of XXXX? wasnt accepted but I got confirmation number then in XXXX paid XXXX and got confirmation, but money was not pulled. 
No voicemails saying anything. 
I finally get ahold of someone, after a month and an half calling and leaving messages, that they have closed my account and sent trailer to reposition. I learned my payments they said were being blocked but I had confirmation numbers. They lied and said I was already a high risk delinquent account from bank of the west and that I was already in their collection protocol when they bought the loan. I was a model loan customer never missing a payment or deadline. 

The only thing they said now is I have to come up with XXXX dollars to get loan back on track. Or they will repo it. I should just be able to restart payment and keep my trailer.. 
BMO has had terrible customer service and they should send a verified signature required letter with notification of sale and release of auto pay and new payment method and book before the sale goes thru.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies continually furnish my income on my consumer reports. I wrote letters with evidence and still no deletions have been made. They continue to break the law and defamation of character. In violation of 15 USC 1681.
Product: Vehicle loan or lease

I am writing in regard to my account which was with Ally Financial account # XXXX based on my knowledge and the letter I have from Ally it is a paid off account never having settled this account yet on my credit profile it reports settled for less than full amount. I sent Ally a request for payment history to back the claims but have been ignored therefore I am making the request via the CFPB in the hopes of getting a breakdown of my account and the payment history.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates : XX/XX/year>. 

I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Student loan

I pulled my credit report to find that ACS/well fargo had transferred my loan. I 've reached out to them several times into late payments that they are reporting that is inaccurate. they stated that they would fix an upadted my account but what they did was add on more late payments and this looks like i am making late payment to them for a loan that is not even services by them..this late payment are incorrect, and i would like them remove from my file and my files updated to show inaccurate info removed the account never had XXXX late payments
Product: Credit reporting

I went on Equifax website to get my free Credit report. 
I went through all the steps and the site said ; it could not give me the free report. 
I went on the site the next day and the site told me that I already got my report and If I wanted another report it would cost me. Again, I never got the report from Equifax. 

I went to XXXX and XXXX online sites and I was able to get and print out my reports. However, I have a name error and address error on XXXX and XXXX reports. Also, I still have to send them a letter to get the errors corrected. Why ca n't the public talk to a person to correct errors?
Product: Credit reporting or other personal consumer reports

This company has violated my rights as a consumer. Article 1022.43 of Regulation V states the following. General rule. Except as otherwise provided in this section, a furnisher must conduct a reasonable investigation of a direct dispute if it relates to : ( 1 ) The consumer 's liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; ( 2 ) The terms of a credit account or other debt with the furnisher, such as direct disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; ( 3 ) The consumer 's performance or other conduct concerning an account or other relationship with the furnisher, such as direct disputes relating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed ; or ( 4 ) Any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

My rights as a consumer were not upheld. Not only did this company fail to ensure the accuracy and completeness of my account, this company is still reporting to the bureaus even though the debt no longer belongs to them but rather a 3rd party. There was no investigation into my direct dispute. I know this to be true because the debt does not belong to Opploans anymore, yet the account came back as verified. Footage of me speaking with a representative can be found below. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Sent first dispute letter to Financial Adjustment Bureau ( XXXX, IA collection company ) in XXXX regarding XXXX bills on my credit report. Received multiple pages of printouts from their own computer system, along with some type of copy of medical bills, XXXX of which violated HIPPA law, not XXXX contained my signature. Have time/date prints of my credit reports showing failure to report dispute to credit bureaus within 31 days. Sent followup letter, XXXX, again disputing and asking for validation according to federal law, received a single printed page ( dated XXXX ) from them stating amounts, now with interest/service charges, and a brief statement ... '' '' Thank you for your letter. We sent information to XXXX today to report the above accounts as disputed. We did provide you with validation of debt for these accounts and will not be removing them from your credit report. You received the services and are responsible for payment. '' '' Very appalling from these " professionals '' in the business since XXXX, especially when, in my dispute letter, I pointed out what validation means. Not to mention the consumer address on the HIPPA violation was never mine, there are multiple people with same name and close to same age as myself on the county 's on-line court records, I can not get credit bureaus to remove this address from my report with this collector reporting the address to the credit report under my SSN. Multiple federal laws broken, yet they still want to act as if they are in the right.
Product: Credit reporting or other personal consumer reports

I sent these letters to remove inquirys To Whom It May Concern, This letter is a follow up to my original letter dated ( XX/XX/XXXX ) and ( XX/XX/XXXX ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. Inquirie By : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX. XXXX, XXXX 2. Inquirie By : XXXXXXXX XXXX inquiry date : XXXX XXXX, XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The thief also acquired multiple inquiries that I did not authorize at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate,
based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

In XXXX of XXXX, I received several pieces of correspondence from Regions Bank. The letters were to let me know that certain checks for an account in my name were being returned for NSF. I do not, nor have I ever had an account with Regions bank. I went to the local branch ( XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) and was assisted by a manager on duty. I was advised that the account was in my name but had a different driver 's license number. I am unclear if it had my SSN. Several phone calls with this manager over the next few weeks, I was assured that their investigation was complete and the accounts would be closed in my name. 

I received a new correspondence from Regions bank dated XX/XX/XXXX stating that another checking account issue had been discovered on my account. I have filed another identity theft complaint.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a letter stating I allegedly owed a debt of {$2000.00} from Fair Collections & Outsourcing INC. I requested competent information, regarding their authority to collect debt in my state and if they are licensed and have proof of insurance. I also request a signed contract/agreement between us that provided me consideration for their claim to be enforceable.I sent certified mail on XX/XX/XXXXXXXX XXXX XXXX, XX/XX/2024 and XX/XX/XXXX. I have received no valid response pertaining to the information I requested. I also sent an invoice for {$15000.00} because they have violated my federally protected consumer rights on multiple occasions and also they are attempting to conduct identity theft according to FL statues XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It baffles me that I am repeatedly battling the same problems with the credit bureaus in regards to them reporting fraudulent information on my credit files ... .I have a fraud alert on my credit files for a reason!!

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

EQUIFAX : XXXX XXXX XXXX ACCT # XXXX, I HAVE NEVER LIVED IN XXXX, GEORGIA!! 

INQUIRIES : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  : INQUIRIES ... ..XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX  XX/XX/2022. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

This correspondence is in regard to the application submitted on XX/XX/ to CONTINENTAL FINANCE / CELTIC BANK, reference number/ application number XXXX by I XXXX XXXX XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX XXXX Which an adverse action letter was received on XX/XX/ via email. 

Please see the following attachments : 1, OFFER REJECTION NOTICE 2. CAF NOTICE, POWER OF ATTORNEY, FEE SCHEDULE 3.PASSPORT CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with all three credit bureaus, and none of them have sent me the documents that they received on the collection company owning this account or any documents so I'm able to verify the account is mine. When I call over the phone they say it's verify. The company is XXXX XXXX XXXX XXXX in the amount of XXXX opened XX/XX/2016 and it's in collection. According to section 609 in FCRA they have to show me some type of documents showing the account is mine or Delete account.
Product: Checking or savings account

I opened a XXXX by XXXX XXXX  XXXX XXXX account in XXXX funded it from my other bank with XXXX dollars, a week after XXXX closed my account and sent the money back to my bank, only thing is my account with that institution was already closed so the funds would get reversed. XXXX keepers giving me the run around when I know they still have my money? l, theyve had it since XXXX and theyve been keeping it interest free since then
Product: Credit reporting or other personal consumer reports

I found out that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them
Product: Student loan

The following statement cites the correspondence provided between the client an d Navient Solutions , Inc.,  as last reported as of   XXXX   XXXX   XXXX  . The issues that will be addressed are in regards to the frequency of communication from Navient  Solu  tions , Inc. , in which an insufficient amount of time has been provided to the client in order to compose timely responses  ( n ote : Refer to attached documentation for specified timeline ).   Other issues involve the methods of contact which Navient  Solutions , Inc.  has claimed to have carried out in order to reach the client, yet has not been validated by the client or proven  externally ( note : Refer to Litigation Review, as provided by Navient Solutions   , I  nc.  on   XXXX   XXXX   XXXX    ).    The last correspondence provided by the client is dated as of   XXXX   XXXX   XXXX  , in reference to the former documentation provided by  Navient Solutions , Inc. (  note : Dated as of   XXXX   XXXX   XXXX   ).   As the clients preference has been listed as their mailing address, insufficient information and assistance has been provided by  Navient Solutions , Inc. in  an effort for both parties to communicate efficiently and accurately.
Product: Checking or savings account

The following disputes were opened on my Ally Checking account ( ending in XXXX ) : I submitted a transaction dispute on XXXX for a ACH of {$550.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$1500.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$1000.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$2400.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$2500.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

Each dispute was opened as fraud has been committed by the money service business, XXXX, received my funds but against their terms of services did not make the funds available for my withdrawal at any time and have locked my funds. The merchant, XXXX, is now unresponsive and shutting their company down on XX/XX/22. I have no means to reverse my money out via ACH or any other means by the merchant, despite advertising their services in such a way where I could. I asked Ally Bank to investigate this fraud but instead of doing a thorough investigation they closed each of the disputes above and asked me to deal with the merchant directly. As this is a case of fraud, I am requesting Ally Bank to dispute these transactions with the merchant and resolve the case so that I can receive my money back.