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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  XXXX  XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1500.00} XXXX  XXXX  XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1400.00} XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$510.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX 2022
Product: Credit card or prepaid card

I was a member of a XXXX gym that closed down during COVID. I was still billed by the owner even though he told me he would freeze the account. I tried to cancel, and he charged me for another month, claiming a bogus " cancellation policy '' that I was never provided with. 

I disputed the charge, citing 15-US-1666i. The credit card company is refusing to credit the account, saying that the window for disputes is now over. I know that I have 1 year from the date of purchase under federal law. 

I did not receive the services from the merchant that were advertised. I want my account credited.
Product: Bank account or service

Dear Sir : Upon return from a trip on XXXX, I received a letter dated XXXX XXXX, 2015 from SunTrust Bank requesting I close all accounts by XXXX XXXX, 2015. I have bank with SunTrust for 30 years and thought it must be some kind of mistake. I called the number on the letter on XXXX XXXX, only to have a rude lady tell me it was a Business decision, but no reason as to why. After returning for another trip, I went into my XXXX XXXX Georgia branch on XXXX XXXX and asked the manager about the letter, he called the number on the letter and got the same response. I then spoke to his boss who suggested that the manager e-mail the regulatory division of the bank and that they would contact me in XXXX hours. No one called, I went back to the bank on XXXX XXXX to close my accounts and he said he 'd e-mail them again. I asked for his bosses boss name and got XXXX and his number. Called XXXX XXXX on XXXX XXXX and he said he 'd get to the bottom of it and get back to me that afternoon. He never called back so the following Monday XXXX XXXX, I called him, got his voice mail and left another message. Finally, a call came Monday afternoon XXXX XXXX from ( XXXX ) XXXX XXXX assistant telling me to call the number on the letter, I explained to her that I and the branch manager had already called to no avail. She said XXXX XXXX would call me back. He did n't. I then on Tuesday XXXX XXXX, e-mail XXXX, his boss XXXX XXXX and her boss XXXX XXXX . Hoping someone could tell me why Sunrust had requested me to close my accounts. I recieved a voicemail from XXXX the assiatant telling me to call the number on the letter, that they could only talk to me. So on Wednesday I called the number again and got the same response, " Business Decision ''. Nothing from XXXX 's boss, XXXX XXXX or her boss XXXX XXXX. I would just like to know WHY i was asked to close my account after 30 years of being a loyal customer. And to be reimbursed for new checks that I bought a month prior and pro-rate the fee I paid for the debit card. 
Many Thanks
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 168s-2 ( A ) ( 1 ) A person shall not furnish any inmation 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: Vehicle loan or lease

On XX/XX/XXXX, I took my daughter to purchase a care at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, XXXX, IL XXXX. As a consumer, I was apprehensive as most because of the stigma that is associated with car dealers. However, I had already done a preapproval with a loan provider that I trusted. the loan provider advertised the car at XXXX XXXX for XXXX $ XXXX. Given that my father works for GM we are entitled to a employee discount, before going to the dealership we called them and informed them of the discount and inquired if the discount would be applied to the advertised price and we were told that it would. After being told that piece of information we went to the location and went through the standard price haggling. When we presented the advertised price, the salesperson proceeded to say that dealerships have to advertise the car with all of the possible discounts to be competitive with the area dealerships. I thought that was deceptive marketing. What is the likelihood that you will qualify for all of the compounded discounts..student, soldier, first responder, GM owner, etc ... Nonetheless, my daughter was eager to get a new car. So we continued the conversation about the price. It was then we were told that the GM discount can not be used in conjunction with the sales price. Again, we were given false information. Though, I should have walked out, we still moved forward. I was told that in order to get an additional $ XXXX off we had to use GM financing. As I previously mentioned. I had already been approved from another lender. So when I was told that we had to use GM financing, I hesitated, but agreed to under the terms that they would ONLY submit my loan authorization to 2 institutions. I stated this NO LESS than 4 times and the sales person agreed that they would ONLY send my loan to 2 lenders. When they returned they informed us that my credit rate was 7.5 %, then the finance person came with a different number. When we signed the paper work. I was told that the rate was lower, they were able to get my loan approved for 5.75 %. A few days later, I got a notification that my credit score went down by almost 30 points!!! When I reviewed the inquiries is saw that XXXX XXXX XXXX had submitted a credit approval to 5-7 different banks, none of which I had approved. They separately submitted my daughter to another creditor. After seeing this, I sent a message to XXXX XXXX XXXX on line and no one ever replied. 

This is devastating to me. I am in the process of preparing to purchase a new home in the next few months. I have worked extremely hard to get my credit to a place in which my interest rate for a new home is reasonable. The $ XXXX that I was supposed to save by using their financing is going to cost me THOUSANDS because of the impact to my credit. 

XXXX XXXX XXXX business practices are completely deceptive. From the advertised pricing to scam to the financing practices. These tactics are why people do not trust auto sales.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed an item with Experian via verified letter which included a Dispute Letter and a copy of the Disputed item ( XXXX XXXX Account ). I stipulated that : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states " ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of said furnisher, if reasonably available ... '' Please note, a tird party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6_ ( B ) ( iii ). I demand direct, not third-party, proof according to the FCRA, section 611, paragraph ( 6 ) ( B ) ( iii ). Please provide me with : the Name of the Person you spoke with who identified the account ; an original Consumer Contract with my Signature on it ; the Telephone Number of the person who verified this account ; and the Documentation Used to Verify the dispute. I received a letter from Experian that said my account had been " UPDATED '' but Experian did not include any of the information that I requested, and due, as per the law. 

I then sent Experian another second certified letter ( mailed on XX/XX/2018 ) again demanding that : according to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), I was specifically requesting that " they provide me with : 1, the Name of the Person they spoke with who verified the account ; 2. an original Consumer Contract with my Signature on it ; 3. the Telephone Number of the person who verified the account ; and 4. the Documentation used to Verify the dispute. YOU HAVE NOT PROVIDED ME WITH THIS INFORMATION WHICH IS GROUNDS FOR DELETION. Under the FCRA, unverified accounts MUST BE REMOVED and if you are unable to provide me a copy of verifiable proof as per my request above and as per the law, you must remove the disputed account. If you do not provide me with the above mentioned information to verify your investigation results as required by law, I will file a complaint with the FTC and the Consumer Financial Protection Bureau. '' I received a second letter from Experian, dated XX/XX/2018, stating that their reinvestigation of the results had been " UPDATED '' ; yet none of the required verification information was provided. 

I am requesting your assistance is putting an end to this matter and their blatant violation of my rights. I have already contacted the FTC and I am now contacting your organization because my rights have been violated and I want the said referenced account to be permanently removed as is my right under the law. 

Thank you for your assistance, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CT XXXX
Product: Credit card or prepaid card

I requested a credit balance check in the month of XX/XX/XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, XXXX. I shared my frustration with this action as I would have never requested this option. I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XX/XX/XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. I hope this issue is resolved. I've contacted US Bank over 10 times with no significant help. 

I have already contacted XXXX and the third party biller XXXX. They have no idea how to use the tracking number you provided. I have contacted them three times already. I find this very frustrating as I have no idea what to do and US Bank is not taking responsibility for this. I am asking US Bank to contact whoever they sent the money back to and get the information I can use to get my money. Please help me! It's been over 6 months!
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 719XXXX has me at a score around 590. 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 XXXXThis 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: Credit reporting or other personal consumer reports

This account should not be reporting on my credit report account is inaccurate
Product: Prepaid card

i put in for a wire transfer dispute i never received and dispute for fees and transactions on my account totaling about {$7500.00} bank of America kept flagging my account and told me it would take XXXX to XXXX  days to investigate and never gave me a credit or gave me my money back this has put me in debt with my car company because i was not able to pay my bills to XXXX  XXXX XXXX
Product: Debt collection

This debt was placed on my credit XXXX 2017 I do n't have a XXXX  phone someone has opened a account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a recent copy of my credit I came to the realization I have become a victim of XXXX XXXX. I recently have submitted ( Identity theft report number # XXXX XXXX which included accounts 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX # XXXX 4. XXXX  XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including XXXX Experian, and XXXX It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Experian has violated my consumer rights and the FCRA per section 605b, 609, 611. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports and Experian has failed to provide any documentation obligating my to the fraudulent accounts. I have no recollection nor recall opening or establishing any of these accounts listed above.
Product: Credit card

It all started when I was trying to set up autopay with Verizon. Instead of pressing the Apply button, I pressed Apply now. The apply now button was for Synchrony Bank 's verizon visa.credit card unbeknownst to me. When it came, I shredded it because I did not want it. On XX/XX/24 Synchrony Bank sent me a letter to activate my card account number last 4 digits ending in XXXX. When I tried to call them, I did not have the card number because I shredded it so it was difficult to get through to a live person to explain. The next thing that happened was Synchrony sent me a bill in the amount of {$110.00} for what? Someone at Synchrony ILLEGALLY activated a card that I shredded and never used. They continue to tell me that it is linked to a Verizon account. I have gone to Verizon and they have called Synchrony Bank on my behalf several times and twice we were transferred and disconnected. Verizon has checked everything for any links there are none connected to Synchrony. Synchrony continues to send me bogus charges on a credit card that was NEVER ACTIVATED. I just received another letter from Synchrony dated XX/XX/24, account number XXXX?? stating that my current balance is {$140.00}. All I want Synchrony to do is to close any accounts under my name. I owe them XXXX and they owe me XXXX. Verizon also called and their fraud department has done nothing and I have yet to hear back from them. I WANT THEM THEM TO CEASE AND DESIST.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX COLLECTION Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX COLLECTION Account Number : XXXX COLLECTION Account Number : XXXX XXXX5 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

I am filling this complaint due to multiple unauthorized inquiries on my credit report that I did not approve or authorize. These inquiries have appeared without my consent, and despite my repeated efforts to have them removed the credit bureaus have failed to act. My disputes have been blatantly ignored or dismissed without any proper investigation, allowing these fraudulent entries to continue damaging my credit score. This is completely unacceptable, and these inquiries are in no way a result of any action I've taken. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Hello, This company AVANTE USA, showed up on my credit report but I never received an official notice of dispute to even verify the debt. This company has unlawfully reported a debt relating to " XXXX XXXX '' and I don't even know this company nor the debt that they claim I owe. I do not owe this debt.

This is not right and needs to cease immediately.
Product: Credit card or prepaid card

Discover Credit Operations Team Subject : Violation of 15 U.S. Code 1681m - Requirements on Users of Consumer Reports Reference Number : XXXX Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the denial of an extension of credit on my open-ended credit plan with Discover. I have recently discovered that this denial may be in violation of 15 U.S. Code 1681m, which outlines the requirements placed on users of consumer reports. 

According to my understanding of the law, as a user of consumer reports, Discover Financial Services is obligated to follow certain regulations when making decisions related to extending credit. Denying me an extension on my own credit, which is not related to insurance or employment, raises concerns regarding potential non-compliance with the aforementioned statute.

Section 1681m specifically states that users of consumer reports must have a permissible purpose for obtaining the report. Denying an extension of credit on an open-ended credit plan, where the consumer is already an existing customer, does not appear to meet the criteria of a permissible purpose as described in the statute. 

I kindly request that you review my case thoroughly and provide an explanation for the denial of my credit extension. If there has been a misunderstanding or error, I would appreciate it if you could rectify the situation promptly. Additionally, I would like to know what steps you will take to ensure compliance with 15 U.S. Code 1681m in the future, so that no other customers face similar issues. 

I believe that open and fair communication is essential in resolving any concerns, and I hope that we can reach a satisfactory resolution to this matter. I look forward to your prompt response within [ mention a reasonable time frame, e.g., 10 days ] from the date of this letter. 

Thank you for your attention to this matter. 

Caveat Any harm caused to a vessel is equivalent to harm inflicted upon a living person, If Discover continue to violate these rules, it will be considered as your agreement to my terms and conditions. You have a period of 10 days to respond to this agreement. Failure to respond will be considered as your acceptance of the Terms of XXXX XXXX Sovereign and the Fee Schedule of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX