23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied and was declined for a loan - which wasn't a surprise. After being declined, I called customer service and asked for my account, including my banking information, to be closed/deleted from their files. I was told by the day manager XXXX that it was ILLEGAL for them to cancel my account. That is absurd. I do not owe them any payments - there is no reason for them to retain my bank account information. XXXX also told me they will be keeping my information for 25 months. When I said ok, you can't close my account can you please just remove my banking information, she again refused saying it was illegal for her to do so. Nowhere in the documents I saw or signed was there information saying a DECLINED account can't be canceled or that they will keep your information for 25 months. This is something that should be disclosed to consumers. I have also filed a complaint with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXXXXXX XXXX  Acct XXXX XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Credit bureau is reporting late payments on account with XXXX XXXX XXXX XXXX and I believe it violates FCRA laws such as 15 USC 1681 Sec 602 states I have a right to privacy, 15 USC 1681 Sec 604a Sec 2 states a consumer reporting agency can not furnish an account without my written instructions, and 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Again, this account has violated these above rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$14000.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXXXXXX XXXX Balance Owed : {$3700.00}
Product: Credit reporting or other personal consumer reports

DEAR XXXX XXXX , This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Product: Credit card or prepaid card

Bank of America closed my account for no reason and took over {$720.00} in rewards from my account. My card was closed a day before my statement closed basically forfeiting an additional month of spending. I have been a XXXX XXXX XXXX member for several years. Not only is it unacceptable to close my account but to also essentially steal {$720.00} and with no warning at any time. 

I spoke with a customer service specialist who agreed that this policy is unfair and unacceptable, but unfortunately there was nothing he could do expect give me the corporate address to make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB ( COMPLAINTS : XXXX, FILED XX/XX/XXXX, XXXX-THURSDAY, AND XXXX, FILED XX/XX/XXXX, XXXX-MONDAY ) I AM PROVIDING THE REQUESTED ALLY BANK STATEMENT VERIFYING THE ALLY CHECKING ACCOUNT WHERE THE XX/XX/XXXX ( FRIDAY ) CONFIRMED BILL PAYMENT WAS DRAWN FROM WAS NOT " FROZEN ''. The active activity on the account during the months of XXXX XXXX-XXXX XXXX   confirm the account was not frozen. More important, ally bank does not have any judgments NOR writs of execution, WOES, permitting levying or " freezing '' any of MY ALLY ACCOUNTS ( ALLY BANK ACCOUNT CLOSED XX/XX/XXXX-thursday, Ally checking account XXXX ). This new CFPB COMPLAINT IS TO PROVIDE THE REQUESTED INFORMATION TO ALLY BANK AND INCLUDE WRITS OF EXECUTION FOR THEM TO ACT UPON. 

IN ADDITION, THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON ALLY AUTO FINANCE ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 

I DO NOT OWE you, ally bank, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING  XX/XX/XXXX, XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) AND ALL FOLLOWING MONTHS PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY ALLY AUTO FINANCE HAS PROFESSIONALLY BEEN MADE AND MADE PERMANENTLY. 
IN ADDITION, ALLY AUTO FINANCE, MISS XXXX, MS. XXXX, AND MS. XXXX ARE NOT TO CONTACT ME. I am in receipt of a letter from MsXXXX XXXX refusing to make the required corrections. A telephone conversation on XX/XX/XXXX-Thursday at XXXX with Miss XXXX requesting ALLY BANK STATEMENTS DOCUMENTING THE ALLY BANK CHECKING ACCOUNT NOT FROZEN IS INCLUDED ( ACTIVE ACTIVITY ON ACCOUNT DURING THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX ). 

I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). 

THE NEGATIVE, ADVERSE, INACCURATE CREDIT REPORTING ( IN ERROR ) OF DELINQUENCIES IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX. 

This correspondence is to officially affirm to CEASE AND DESIST with any further ADVERSE INACCURATE CREDIT REPORTING effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} FOR EVERY MONTH YOU FAIL TO TIMELY MAKE CORRECTIONS Sincerely and Respectfully, XXXX XXXX MD Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request that you investigate the item and correct the report accordingly. According to 15 U.S. Code 1681i, you are required to conduct a reasonable investigation into this matter and update my credit report with the accurate information.

If your investigation confirms that the information is indeed inaccurate or unverifiable, I ask that you remove it from my report as required under the Fair Credit Reporting Act.

In the event that you do not conduct a thorough investigation or fail to update the information appropriately, I would like to remind you that under 15 U.S. Code 1681o, you could be liable for statutory damages, punitive damages, and attorney fees if the noncompliance is deemed willful.

Please confirm receipt of this dispute and let me know the next steps in the process. If you require any additional documentation or information from my end to facilitate this investigation, please notify me promptly. 

Thank you for your attention to this matter. I look forward to your timely response. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello BMW Services : This is a formal notification of Title received from BMW. After a 14 day waiting period for clearance of all outstanding debt on BMW we received a clear title. However, we are receiving daily calls from BMW Collections and when we call back we are routed to a long standing ( no answer ). I have called numerous times and spoken to Customer Service who also routes call to Collections. I have given the information to them that Title was received as well. The vehicle was placed in repossession and we are also receiving harassing calls about a BMW location.

We have contacted our attorney who has a copy of recent BMW Title and we have also  noted to DMV State of XXXX the status of harassment by BMW Financial USA. We are requesting that the account be made current per Credit reporting and per law. There is no outstanding payment due on account as per receipt of BMW Title and 14 day required waiting period.

Please note this given account. If we receive any further calls from BMW or Repo company a formal complaint will be filed with the State Attorney General Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no choice but to continue my protest against a licensed lender throughout the United States that brokered a deal in my home state of New York, serviced the account until I defaulted, then the loan originator XXXX XXXX sold it to a third party. A copy of the XXXX XXXX XXXX assignment is attached, along with a copy of the default judgment. The account was settled for {$12000.00} and a cashiers check made payable to the plaintiffs law firm to satisfy that settlement, and XXXX XXXX was taking card of the satisfaction of judgment filing. I need the XXXX XXXX account deleted, as they are still showing a balance over {$13000.00}. The account was taken away from XXXX XXXX the day the the debt was sold to a third party. XXXX XXXX needs to be investigated for fraudulent collection and reporting activities and pay a huge fine for their deplorable treatment to me personally. Recently the CFPB received a XXXX XXXXXXXX settlement from XXXX XXXX XXXX XXXX XXXX for actions exactly what transpired between XXXX XXXX and myself. ( See Attached ) I did file a complaint with the following person in charge of XXXX XXXX compliance with zero response. 

XXXX XXXX XXXX XXXX of Regulatory and Government Affairs Email : XXXX Phone : XXXX Each respective credit reporting agency must take separate action against XXXX XXXX for the serious problems they have caused me for non-compliance to the FCRA and the FDCPA. 

XXXX XXXX
Product: Checking or savings account

I met all the steps to receive an HSBC bonus. As soon as I told them I was XXXX they denied my bonus even know the data showed I fully qualified. I spent months of my time, well over forty phone calls, over ten emails and around forty hours of my time to fight to get the bonus that qualified for in the first place. This firm is acting in a fraudulent manner and discriminating against peoples with disabilities.
Product: Credit card or prepaid card

On XX/XX/2022, my Chase Explorer card was used to fraudulently purchase a {$770.00} gift card from XXXX XXXX. Later that day the card was used to purchase XXXX XXXX merchandise. On XX/XX/XXXX Chase was notified of the bogus charge and they issued a credit. On XX/XX/XXXX Chase notified me that their investigation showed that I had ordered the gift card and acknowledged their trigger letter, and that they were reinstating the {$770.00} charge. I never ordered a gift card, never received a trigger letter, never ordered merchandise, and never got any product. Multiple subsequent calls to Chase have fallen on deaf ears. Chase insists that I provide proof of not ordering and not receiving -- an impossibility. I have talked with XXXX XXXX and they refused to provide any useful information, like proof of delivery or even where and what was ordered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against the three credit bureaus back on XX/XX/XXXX through your portal under the following complaint ID numbers : ID FOR COMPLAINT SENT TO XXXX  XXXX, ID FOR COMPLAINT SENT TO XXXX  XXXX, ID FOR COMPLAINT SENT TO EQUIFAX XXXX. 
The results that came back was that the following addresses were going to be removed : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  - XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax - XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three bureaus XXXX, Transunion, and XXXX about XXXX XXXX still reporting on Charge off account that they have sold to XXXX XXXX XXXX, but each month they are reporting I'm late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties.

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX I decide to check my Wells Fargo account to make sure I was not charged for text book rentals that I forgot to turn in because I am a college student, and when I checked my bank account I seen various ATM withdrawals totaling up to nine transactions that I did not authorize nor did I take out myself and when I check my wallet my card is no where to be found in the wallet. Somebody stole my card and made various atm withdrawals totaling up to {$940.00} which includes the overdraft fees and Wells Fargo is telling me my claim is denied as of XX/XX/XXXX. I have no money, and nor do i benefit from making ATM withdrawals when there was little to no money in that account so I dont understand why my claim was denied when the card was not in my possession and the last time i used the card was on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXX XXXX. 

FOR XXXXXX/XX/XXXXXX/XX/XXXX FOR EXPERIAN XX/XX/XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

XXXX XXXX XXXXXXXX XXXX due to Bankruptcy and Foreclosure - Financial Elder Abuse Financial Elder Abuse as the PNC Bank SCAM/FRAUD victim in the amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD . I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The division Single Point of Contact is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The division email address is : XXXX. The Loan Officer, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank HELOC loan was part of the {$900000.00} PNC Bank SCAM/FRAUD .
Product: Debt collection

I signed for my daughter to have XXXX  work. Comenity Capital Bank provided a credit card with the amount owed. My daughter defaulted after accumulating {$450.00} in late fees and {$670.00} in " promo charges '' and {$1400.00} in finance charges in XXXX years. 
When I contacted Comenity Capital Bank by phone on XX/XX/2020 an employee named XXXX ( employee id # XXXX ) agreed to accept {$3400.00} to close the account ; however, the company will not give me any proof of acceptance before I pay that amount. 
I have been advised that I shouldn't pay anything until I get some sort of documentation that it will be accepted as final payment, but Comenity refuses and continues to add additional charges. I sent them letters in XXXX and XXXX outlining what is stated above, but to no avail. They say its " Not company policy '' to give me any proof before I pay the agreed amount. 
I'm XXXX years old and did not know until XXXX XXXX months ago that Comenity was charging my daughter 28 % interest plus " promo fees '' plus finance charges plus XXXX late fees in 24 months. I am still willing to withdraw the {$3400.00} from my savings if I can get confirmation that it will be accepted as final payment and close the account. 
Thank you for whatever help that you may give me in this matter. 
Sincerely yours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to delete a fraudulent account that was listed twice on my credit report they never provided me with proof of to verify the account I have sent in numerous complaints with the company trying to resolve the issue I still have my receipts of the certified letters they refuse to properly updated my credit report
Product: Vehicle loan or lease

Honda financial reported past due balance after bank error returned payment the payment was not late
Product: Credit reporting or other personal consumer reports

I had 4 hard inquiries hit my credit report.on XX/XX/year> that wasnt made by me. Please help me remove them being a victim of fraud. XXXX. XXXX Inquiry - XX/XX/year> Institution : Citibank N. A Account Type : All Banks XXXX. Inquirer Name : XXXX XXXX XXXX  / XXXX Phone : ( XXXX ) XXXX Industry Type : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. Reported By : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Type : Credit Bureau XXXX. Inquirer Name : XXXX XXXX XXXX XXXX Phone : ( XXXX XXXX XXXX Industry Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? 




As previously pointed out to you, XXXX XXXX XXXX, XXXX XXXX, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted XXXX days. 

XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX  XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX # XXXX.