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

XXXX XXXX  disputed accuracy XXXX times and advised these accounts were in bankruptcy but you refuse to made them correct
Product: Mortgage

It is my belief I was discriminated against by JPMorgan Chase Bank, N. A. in applying for a home loan. This discrimination was based on their not wanting to honor a promised rate. 

During of the application process they called personal contacts and asked disparaging questions that caused concern, disregarded legitimate documents, instigated 5 separate credit inquiries damaging my credit score. 

All statements I provided were true and honest. 

Statements in the denial letter were inaccurate. 

I am asking that you review that matter with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for
Product: Debt collection

They illegally brought my personal without my consent violates the privacy act of 1974 and 15 USC 6802, My name is also has a copyright and I'm strict with anyone using my name for profit.
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice that Equifax, have failed to properly investigate fraudulent accounts on my credit report. Despite multiple disputes, you have not provided legally required documentation verifying these accounts. I demand their immediate deletion. CFPB Lawsuit Confirms Experians Unlawful Dispute Handling The Consumer Financial Protection Bureau ( CFPB ) has confirmed that XXXX engages in sham investigations and ignores legitimate consumer disputes, violating federal law. ( Source : CFPB, 2024 ) Additionally, the Federal Trade Commission ( FTC ) has reported widespread inaccuracies in credit reporting, further proving that XXXX and other credit bureaus routinely violate the Fair Credit Reporting Act ( FCRA ) by failing to maintain accurate consumer files. Fraudulent Accounts That Must Be Removed Immediately : XXXX XXXX ; account # XXXX ; Legal Violations and Demand for Immediate Action Per 15 U.S. Code 1681e ( b ), you are legally required to ensure maximum accuracy in your credit reporting. Your failure to remove these fraudulent accounts violates federal law and subjects you to regulatory action. Additionally, under 15 U.S. Code 1692g, you must provide verified proof of these debts, including the original signed application or contract. Your continued failure to produce this documentation proves that these accounts are fraudulent and must be removed immediately.
Product: Checking or savings account

On XXXX XXXX 2017, U.S. Bank authorized a transaction in the amount of {$33.00} that caused an overdraft. It was a one-time purchase from a store I shop at regularly. I do not have overdraft coverage. However, they let my account overdraft anyway, and charged me a {$36.00} overdraft fee. 

My agreement states they will not authorize an overdraft without coverage unless it 's through a check or transaction using my account number, automatic bill payments, or a recurring transaction, such as a monthly gym membership. 

Upon contacting their customer service, they stated that it was a recurring transaction. After questioning how it would be considered recurring if it 's just a one-time purchase, they replied, saying it 's because I shop there frequently and they 're considered a recurring merchant. 

The definition of a recurring transaction is a charge applied in predetermined intervals such as a subscription or membership. And my agreement with U.S. Bank even uses a monthly membership as an example. I have NOT found a definition that includes frequent one-time purchases from the same store. And my agreement with U.S. Bank does NOT include that as part of their definition either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX XXXX breach of XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$6200.00} is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing 4 inquires to 4 mortgage lenders in which I have never authorized to obtain my report nor did I apply for a mortgage loan. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XXXX
Product: Debt collection

I was called and left a voicemail by USI Solutions about collection on a debt owed on XX/XX/XXXX. Was told to call back XXXX and ask for XXXX  XXXX at ext. XXXX with Ref # XXXX. 
I called them on XX/XX/XXXX and the phone was answered by a gentleman named XXXX XXXX. I asked him to speak to XXXX XXXX at ext. XXXX. He said that she was not there and he would help me. He identified himself as the president and owner of the company. He said that he was working the phones for the afternoon. He told me that the debt was for a XXXX XXXX from XXXX and that I owed {$1800.00} however he was willing to take {$1000.00} and call it good. He asked me for a credit card number to collect the money. I told Mr. XXXX that I did not have a credit card to give him and that I needed to talk to my husband. I do not remember having a XXXX XXXX  in XXXX. I told him that I was not going to just give him money for a possible debt that was over 11 years old, especially for something that is not even on my credit report. He told me to look at this as good news, not bad. That as soon as I paid the money that I owed him, he would no longer call me. I told him once again that I wasn't going to give him information over the phone.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Last 4 of social : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Attn : Customer Relations Department Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Re : 1. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX UPDATE TO OPEN AND NEVER LATE 2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX PAID CLOSED NEVER LATE I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Debt collection

LVNV already got a judgement against me for this debt and now XXXX XXXX is trying to collect the debt and mailer says its pre legal status as if theyre going to sue me again for the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report that Equifax publish and after reviewing it I found an item in question and have disput ed US Pr obation-  XXXX / XXXX / 16 . In which Equifax is still reporting this disputed unverified account on my credit report. They have also failed to send me copies of documents they have on file as of this date that was used to verify the accuracy of the disputed inquiry.
Product: Payday loan, title loan, or personal loan

I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX using an online transfer from XXXX XXXX. In XXXX of XXXX, a year later, Navy Federal erroneously sent back the pay off back to XXXX XXXX. NFCU then charged interest for an entire year even though my loan was paid off. 

I only became aware of the loan being active again when it showed on a mortgage application. 

Once I was aware the loan was open I immediately paid off the total. However, there was an added {$2600.00} in interested as a result of Navy Federal backdating an entire year. Again, even though my loan was paid off. 

The entire time between the loan re-opening and being paid off 'again ' was about XXXX weeks if I recall correctly. Nonetheless there's an entire year of interest. 

I've spoken with XXXX XXXX regarding any request to have the funds sent back. XXXX XXXX specifically said, because the amount of time is over a year they would have not requested nor would have any ability to request the funds be returned for any reason. I was sent a letter that also mentioned this. 

I've made many attempts with NFCU to resolve this issue without result. Most recently I've gone back to my message accounts in XXXX XXXX and can not find any of my communications regarding this matter in my secure inbox. Even though there are older messages in the inbox and I have not deleted anything. 

Attached document shows the last payment received on XX/XX/XXXX The loan was satisfied and closed. 

Screenshot attached. Messages in NFCU dating back to XXXX. However, any messages regarding my attempts to have the issue corrected have been removed from my inbox. I have never deleted a message from my NFCU inbox. The message labeled " Message from Navy Federal Credit Union [ XXXX ] '' is the attached document mentioned above showing the loan paid off.
Product: Credit card

Hello, Discover has refused to honor the original terms of their promotional offer and has requested that I violate my own health privacy by disclosing the contents of my purchases. I am reporting Discover for 1 ) false advertising with intent to mislead the customer regarding their credit card product ; 2 ) theft of significant cash reward benefits related to the spending I put on the Discover card with the belief that the terms of their promotion would be honored ; and 3 ) for tying their cooperation with the an undue required burden of proof that was not part of the original terms of the offer, and asking me to violate my own health privacy. 

Background : I opened a Discover card and was approved beginning on XXXX XXXX, 2015. The primary reason I opened the card was because Discover had advertised 10 % cashback rewards for making any purchases using XXXX, a method of transaction. Discover ran the promotion with no conditions requiring that all receipts be preserved, and that all receipts must be submitted to receive the cashback rewards. Discover represented to me and other consumers that the 10 % cashback rewards would be automatically deposited into my cashback balance after spending and paying using the Discover card through XXXX up to a limit of {$10000.00}. 

With the information from their advertising and promotions, I subsequently spent {$11000.00} on my Discover Card using the method of XXXX. Discover subsequently only provided {$210.00} in cashback rewards, rather than the full {$1000.00} cashback rewards that would have been required under the terms of the 10 % XXXX cashback promotional offer. As a result, Discover did not deposit {$780.00} of cashback into my account. After the company was contacted, the company requested that I send receipts to prove that the purchases were not gift cards. 

I would like to clarify a couple of items. First, Discover seemingly added this additional condition retroactively into their promotion. Second, I communicated to Discover that the purchases ranged from electronics to medicine/personal purchases, and thus did in fact qualify for their promotion despite the retroactive addition of non eligibility clause for gift cards. 

Furthermore, Discover did not include in the terms of their promotion that receipts must be kept and sent to Discover for analysis. Several of these purchases were made months ago, and I do not have the original receipt. Furthermore, a significant percentage of the purchases included personal health spending and I informed Discover that I did not want to violate my own health privacy and disclose my healthcare related spending to them. 

Discover has refused to honor their promotion and has held the cashback amount. Discover has falsely advertised their promotion, caused undue burden on the consumer to provide receipts from months ago, and requested that I violate my own health privacy. Discover should not be allowed to conduct bait and switch tactics and false advertising tactics like this, and should be investigated. I want my cashback missing in the amount of {$780.00}.
Product: Payday loan, title loan, or personal loan

CFPB Complaint I have been dealing with identity theft for quite some time. Government agencies are helping me and I also have a case with XXXX ID Restoration. Case # XXXX. This was due to a Data Breach by XXXX XXXX XXXX XXXX. This has been Extensive Identity theft, which requires several hours daily. You have fraudulent Credit Inquiries on my Credit Report. I contacted you Company several months ago, and it was to be removed. As of this date, your fraudulent inquiries remain on my Credit Report. I have filed disputes, and done everything in a proper manner to have these removed. You are in violation of FCRA, and Im asking once again to have your fraudulent inquiries immediately removed from my Credit Report. And please send me verification that this is complete. I do not have the time to involve other government agencies. Please immediately remove all inquiries on my Credit Report from your Company. I have never applied for Credit from your Company nor authorized anyone to do so, Email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following errors and reporting inaccurately. Here as follows is the item in error : - XXXX XXXXXXXX XXXX The credit limit on this secured credit card is {$1000.00}, its reporting a high credit of {$900.00} that is inaccurate. There is something that XXXX XXXX made up called a permanent credit where they kept my money in the amount of {$580.00} on an account they closed after I filed a complaint with the Consumer Finance Protection Bureau. In addition to a credit of {$26.00} and {$5.00}, this totals {$610.00} which is money that has not been spent. The balance of {$380.00}, which is accurate is not a high balance is what should be reported. I will include a letter from XXXX XXXX admitting to the permanent credit, which can not be spent by myself of my own money. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

They continuously call and harass my relatives and make false statements about being arrested etc. All the while I had insurance and was 100 % coverage since i had already met my deductible and premiums
Product: Student loan

It May Concern, I am writing to formally dispute the loan account associated with Heartland ECSI, reported on my credit report under the name XXXX XXXX  , with a collection agency listed as XXXX XXXX XXXXXXXX XXXX Although I attended XXXX XXXX, I did not authorize or open this loan account. I am requesting an immediate investigation into this matter and removal of this account from my credit report. 

Timeline of Events : XX/XX/XXXX : The account was allegedly opened under my name without my authorization. During this time, I was dealing with immense personal lossthe passing of my mother in XX/XX/XXXX and my grandmother in XXXX XXXX further confirms I did not engage in any financial activities, including applying for or agreeing to this loan. 
XX/XX/XXXX : The account was marked as a collection account and transferred to a collection agency, XXXX XXXX XXXX. I was not notified of this change nor given the opportunity to validate or dispute the debt. 
XX/XX/XXXX : The balance on the account was updated to {$3500.00} on my credit report, although I have never received documentation or communication regarding this loan.
Product: Credit reporting or other personal consumer reports

New World Collections never contacted me, or sent any letter disclosing this debt to me. I dont even reside in that state. It was not until the information was on my credit report that this debt was brought to my attention. Violating the FCRA. I continued attempts to contact the company, it was not until I opened a complaint with the XXXX  of XXXX XXXX ( XX/XX/2023 ) that I got a response from the company. I requested a validation of an item being reported to all three credit bureaus by New World Collections, and received my confidential medical records, including a patient ledger, dates, procedures and codes, as well as treatment information in response without a prior written release supplied by either company clearly violating my rights under HIPAA. 

In response to my complaint to the XXXX, New World Collections continues to violate HIPAA by openly discussing number of treatments, locations, payment amounts for visits, medical payment account types, and insurance information. 

In their own communication, New World Collections stated that I had a total of XXXX visits, but there are over 5 pages with over a XXXX charges, including multiple duplicate procedures that were allegedly performed. This information is clearly invalid as well. 

I informed New World Collections that i would be making a complaint about the clear FCRA and HIPAA violations in which they stated " they welcome it ''.
Product: Debt collection

Company has yet to send me the correct information so I can validate the debt. The information they mailed to me was someone else drivers license and information. They will not respond to me via mail or complaints, and now have tried to hit my credit for a debt I can not even validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said they would not make a hard or soft inquiry if I completed a loan application. I filled it out and did not get a loan. They lied and did report it on my credit and I want to file a complaint against XXXX XXXX for being untruthful and marking my credit when they said they would not. 

Please keep these corrupt companies in line and make them not hit someone credit when they promise they will not. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I went to American Financial Network to apply for a loan to purchase a home. I spoke with Mr. XXXX XXXX, who was the loan specialist assigned to my application. He pulled credit reports for my daughter and I, and informed us that we did not qualify for a home loan. He specified that we needed to undergo credit repair and could get approved for the home loan within four months. He recommended that I go to a friend of his that he sends a lot of customers to for help with their credit. He assured me that Mr. XXXX XXXX, one of his close friends, could fix my credit within four months, and I would qualify for the home loan. He had access to my credit report at that time. He knew what items were causing me to get denied for the home loan. I believed him when he said that Mr. XXXX could help me get approved. Mr. XXXX then called Mr. XXXX while we were in the office and told him that we needed to use his credit repair services. He also told him that we were willing to come to his office right then. Mr. XXXX told me the service would cost {$1500.00} for both me and my daughter. Somehow he knew the cost of the service without asking Mr. XXXX. Mr. XXXX then asked if he could meet us at a nearby XXXX 's XXXX XXXX parking lot as he would in the neighborhood, and was on his way home. I told him that I did not mind going to his office, but he insisted upon meeting at the parking lot of the store. I met him in the parking lot of the appliance store, and he ran my debit card for the {$1500.00} payment. Then we submitted financial records to him via email. We never saw his actual office. He then asked us to sign up for XXXX monthly credit monitoring for a fee of {$29.00} per month. I thought he would pay for any additional expenses from the {$1500.00} he received. A month later we called him and asked why we needed to have credit monitoring when we were paying him to fix our credit. He stated that he did not have time to monitor our credit because he was the owner and operator of a used car dealership, XXXX XXXX XXXX on XXXX XXXX. I continued to call him to ask the status of the credit repair. He told me to stop calling him. Now it has been over a year, and he stopped taking my calls and communicating with my daughter via email. I spoke with an attorney, and she advised me to contact CFPB. Mr. XXXX  never submitted any disputes on my behalf. He never gave me any instructions on which bills I needed to pay off to improve my credit score. He never did anything. I don't even know if he ever even looked at my credit at all. I contacted Mr. XXXX XXXX to discuss the problem, and he also gave me the run around before he no longer accepted my calls. I believe that Mr. XXXX and Mr. XXXX are involved in a bait and switch operation where they bring people in to apply for home loans, tell them they need credit repair, and then scam them for the credit repair fee of {$1500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw a bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received any correspondence from Transunion, XXXX  and XXXX  from when i sent them letters in XXXX challenging items on my credit report. I sent a follow up about 45 days later and still havent received anything