23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was approved for a loan via XXXX XXXX to purchase a used vehicle at the beginning of the year. I took delivery of the vehicle XX/XX/year>. XXXX XXXX transferred the car loan to TD Auto Financial at the end of the month. XXXX XXXX did not make me aware of this change of what XXXX XXXX would be servicing my loan. I made multiple attempts to ask to make a payment ( which has typically be done through the XXXX app for my previous XXXX that I leased ). XXXX assured me that I would receive communication via the app. All the while, I was becoming delinquent in my car loan and TD Bank/TD Auto Financial claims they sent me information about my account with them. When they made attempts to call me, they never made an effort to identify who they were. I do not have a signed contract with TD Auto Financial. Through my own investigation, I determined that my car loan had indeed been transferred to TD Auto Financial, I was delinquent, and immediately made payments in the beginning of XXXX XXXX XXXX XXXX  to bring my account current. During conversation, I was told that TD Auto XXXX would not report the delinquency to the credit bureau. A week later, my credit score dropped XXXX XXXX from XXXX to XXXX due to the delinquency reported by TD Auto. I have made multiple attempts via phone to explain that they did not identify who they were, XXXX XXXX did not notify me of the change of servicing, and that they are obligated to communicate when another financial institution is going to be servicing a loan. To this date, XXXX has still not sent any communication to that end and no one from their financial department has returned my communication. TD Auto Finance instructed me to write to their credit department request they change their report and I was denied. I have filed a dispute with the credit bureau which has only seen my credit score increase by XXXXXXXX XXXX. Even if I wanted to be done with TD Auto Finance and refinance with another bank, due to their reporting I would have a significantly higher payment for a depreciating asset because of their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, XXXX Account numbers : XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my right to privacy . 15U.S.C. 1681, Section 602A ( as listed below ) states that I have the right to privacy. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, 15U.S.C. 1681, Section 604A ( as listed below ) states that a consumer reporting agency can not furnish an account without my written instructions which I have not provided.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # 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 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, Has violated my rights XXXX 
XXXX15 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 instructions.
Product: Vehicle loan or lease

We traded in our car on XX/XX/XXXX. We provided the dealer with the full payoff of the car. The dealer paid Wells Fargo on //XXXX XXXX, XXXX after we made another car payment on XX/XX/XXXX. There should have been a {$500.00} over payment. Wells Fargo added on almost {$500.00} in late feels on XX/XX/XXXX. There should be no late fees since we over paid. This company is well know for its criminal activity.
Product: Credit reporting or other personal consumer reports

I am formally disputing an entry below on my credit report issued by your agency. By my rights under the Fair Credit Reporting Act ( FCRA ), I would like to ask for an immediate investigation of this entry as I believe that the information has been placed on my report without permission or my explicit consent, violating my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Lack of Permissible Purpose : According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain conditions, such as when there is a legitimate business need or express permission from the consumer. However, the entry in question does not meet these criteria, and no permissible purpose or consent was provided by me for the inclusion of this information on my credit report. 

The law is clear : Under 15 U.S.C. 1681b ( a ), consumer reporting agencies are prohibited from furnishing a consumer report unless the party obtaining the report has a specific purpose authorized by the consumer or the law.

Additionally, 15 U.S.C. 1681b ( f ) states that any user of a consumer report must certify the permissible purpose for which the report is being obtained. 
In this case, I did not authorize any such inquiries or accounts to be added to my credit file, nor was any permissible purpose legally justified. As such, the inclusion of this information is both unauthorized and unlawful. 

Violation of My Consumer Rights : Furthermore, under 15 U.S.C. 1681n and 1681o, any willful or negligent non-compliance with the FCRA entitles the consumer to statutory damages. The failure to ensure that only authorized parties have access to my credit report, or that inaccurate information is being reported without verification, places your agency in direct violation of these sections of the FCRA.

Action Requested : I am requesting that your agency : Remove the unauthorized or inaccurate information from my credit report immediately. 
Provide written confirmation of the investigation process and the outcome within 30 days, as required by law. 
Please note that failure to correct this violation of my rights under the FCRA may result in legal action, where I may seek damages for the unlawful reporting of unauthorized or inaccurate information. 

Thank you for your immediate attention to this matter. I look forward to your timely response and confirmation that this issue has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the better part of a year to get both XXXX and Experian to investigate the accuracy of items on my credit report. While they conducted an initial investigation, the errors on my report remain specifically, there is a BK showing on my credit report. Additionally, XXXX is not reporting accurately either, XXXX claims I have an account that was discharged in BK. I have never had an account with XXXX and both XXXX  and Experian refuse to investigate the matter. They also claim to have verified a BK which is not possible. Based on the documents I have provided, you will see that XXXX refuses to investigate and that Experian completely ignored the dispute regarding a BK showing on my credit report. Please advise these companies as to FCRA law in regards to having to investigate all disputes. My disputes are in no way frivolous, there is inaccurate information that needs to be corrected.
Product: Checking or savings account

Subject : Urgent Complaint Regarding Account Closure and Missing Funds Dear Citizens Bank Customer Service, I hope this letter finds you well. I am writing to express my deep disappointment and frustration regarding the recent closure of my bank account and the unauthorized removal of my funds following a wire transfer in question is XXXX. 

I have been a loyal and satisfied customer of Citizens Bank, and it is disheartening to find myself in this unfortunate situation. I initiated the wire transfer on XX/XX/2023 to XXXX XXXX, and the amount transferred was {$9800.00}. The purpose of this wire transfer was an emergency. The transaction was carried out with utmost care and in accordance with the procedures provided by Citizens Bank. 

To my shock and dismay, I received a notification shortly after the wire transfer that my account had been closed due to a " security concern. '' This abrupt account closure has caused severe inconvenience and distress, as I rely on my account for various financial transactions and responsibilities. Moreover, the action was taken without any prior warning or communication, leaving me completely blindsided. 

What compounds my frustration further is the fact that the funds associated with the wire transfer seem to have disappeared from my account entirely. The reference number provided above is a crucial piece of evidence confirming the transaction 's legitimacy. I expected Citizens Bank to prioritize the security and prompt processing of transactions, especially those involving significant sums of money. The fact that my funds have seemingly vanished raises serious questions about the integrity and reliability of the bank 's systems. 

I implore you to treat this matter with the utmost urgency and provide me with a comprehensive explanation for the closure of my account and the disappearance of my funds. I demand a thorough investigation into this matter, as well as the immediate reinstatement of my account and the restitution of my funds. It is my sincere hope that this situation can be resolved promptly and amicably. 

If necessary, I am prepared to take this matter further by involving relevant regulatory authorities and seeking legal counsel to ensure that my rights as a customer are upheld. However, I sincerely hope that it does not come to that, as I believe that Citizens Bank values its customers and their trust. 

I kindly request that you acknowledge the receipt of this letter and provide me with a clear timeline for when I can expect a resolution to this distressing situation. You can reach me at XXXX XXXX. 

I appreciate your immediate attention to this matter and hope for a swift and satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Good day. My name is XXXX XXXX. I am receiving a lot of calls from a lady name XXXX XXXX from GC Services. They will not send me any mail but continues to call all day all night. She will not explain what the call is about unless i give her my SSN number. Now she just calls every morning, everyday like she said she would. I was a victim of Idenity Theft and i explained this to her and requested that she send me something in the mail and she has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and Equifax are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax in XX/XX/2021 about have inquires on my this is was not resolved and I filed a complaint and nothing was still not taking seriously and still reported on XXXX the XXXX I contacted them again at this point sending a police report along with my Identification and was told on XX/XX/2021 they had gotten A cover letter ID and SS but not police report I am reaching out to you letting you know that they still have not taken care of this issue yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US  DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX
Product: Debt collection

I sent a payment in and they refused payment so therefore I do n't owe anything. I have a bank copy of the rejection of payment. They never got back with me. So I just let the file go. Yes they sent me a bill. They never sent a bill until I requested and then it was n't the amount that was agreed upon. The amount was higher. Since they rejected my payment I believe I do not owe the monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, 1XXXX XXXX  XXXX Account XXXX XXXX has violated my rights ; 2. XXXX XXXX XXXX Account # XXXX has violated my rights ; 3. XXXX XXXX Account # XXXX has violated my rights ; 4. XXXX XXXX Account # XXXX has violated my rights ; 5. XXXX XXXX  XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights ; 6. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; 7. XXXX XXXX XXXX Account # XXXX has violated my rights and 8. XXXX XXXX XXXX XXXX  Acct # XXXX has violated my rights.
Product: Mortgage

US bank set up a payment plan for me which was difficult to pay at XXXX I called the bank and set up a payment for my regular payment which was deducted on XXXX/XXXX/16 for XXXX which has cleared by bank, they will not ap not apply that to my account and will not return till XX/XX/XXXX
Product: Checking or savings account

I received an offer in my email stating that I would receive a {$900.00} total bonus by opening a Chase Total checking account along with a Chase savings account by meeting their requirements. I opened both accounts on XX/XX/2023 via the link embedded in that email and the coupon code for the {$900.00} was entered at that time. I waited and noticed that the bonus never posted despite meeting the account opening criteria. I contacted Chase through their secure messaging system in early XXXX to find out why my bonus had not posted. I was told that the I coupon code that I received was not attached to the accounts and there was nothing that could be done. I have no idea what happened during the signup process but I am 100 % certain that the coupon code was entered correctly. My personalized coupon that I received is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I ask Experian for the records the FURNISHER or Vendor used to Verify my on going dispute. I personally called XXXX XXXX said they don't have any information with my name and Social security number. XXXX, XXXX is out of business no phone available, I mailed letters no response. My question is how can the FURNISHER and Vendor, verify or update my information. XXXX XXXX don't have any information, XXXX, XXXX companies have no phone numbers available. Experian sent this card saying they what the Fair Credit Reporting Act is. I will keep filing complaint until this inaccuracies are permanently removed from my credit report.
Product: Debt collection

Pendrick Capital Partners has sent me numerous letters from different creditors so I have no idea who is collecting on this debt. I asked for a validation of debt and they sent me an non-itemized bill with no contract stating that I had agreed to this debt or that I am the owner of it. I requested to verify what the charges were for and to see if my insurance has been used. I asked them to verify that they were not breaking federal laws by double billing a medi-cal recipient. I asked them to verify they are authorized to collect on this debt in California and have not received anything. I had insurance when this debt was supposedly incurred and there is not billing statement showing what has been paid or what hasn't. I have no idea what this bill is for. There is an ambulance bill from XXXX XXXX XXXX which was referred to the Federal Trade Commission on XX/XX/2020 and also to the consumer sentinel network ( a secure online database operated by the FTC to identify questionable billing practices ). The document they sent me indicates that they might be trying to collect on a debt that has already been flagged by investigators as illegal billing. I was in network and this is unacceptable. If my medical data is with this third party then they have violated HIPAA ; I have not given anyone permission to release my medical information to anyone else.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX  by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

This company is a debt collector and I have not signed a contract with them.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting This creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 Section 6 0 4 a Section 2 ). ( it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Disputing a Charge for Bad Service at CareCredit SYNCHRONY BANK. Charge of {$740.00} on the date of XX/XX/XXXX plus fees getting in a total of {$1200.00} on XX/XX/XXXX. 
I called many times. I disputed the charge and the service many times. 
I already complained at creditcare many times about what happened. But all I had to deal with were some inappropriate questions, for example, if I tried to return the service? What? That is even a question for who got a service and not a product? Who returns services? I had to ask many times if the attendant remembered we were talking about a dentist service and not about a product. 
The questions kept on this level, like, did you use the service? 
I had to use a lot of my patience with these questions. 
The person was completely ignoring how I was treated at the dentist, how I didn't like what happened, and how the office was anti ethic and unprofessional. 
I went to this dentist for a {$39.00} service ( now day {$59.00} ). 
These back and forth calls wasted so much time of my life. 
Today I did my last call. I was on call for 45 minutes and I still didn't get any solution. All they did was trying to make me uncomfortable, keeping me in long holds, and embaracing me calling me delinquent. I am so tired and frustrated.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I sent a letter to Experian about a fraud inquiry that was put on my credit report, I asked that this inquiry be removed from XXXX XXXX XXXX on XXXX XXXX XXXX The I inquiry is fraudulent and needs to be removed.
Product: Checking or savings account

I was job hunting and I was victim to a money scam with a potential " employer ''. USAA shut down my account due to " fraudulent activities '', as if I was the one commiting the fraud, but I was the victim of said fraud. I gave my evidence to revoke it, but they still shut it down. I tried to get more answers, but they refused to help.