23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am writing this formal letter because the XXXX Credit Reporting Agency along with XXXX XXXX has been violating my rights under the FCRA. The violations are listed below. 

This XXXX account which sometimes reports as XXXX XXXX XXXX account # ( XXXX ) was added to my report on XXXX XXXX, XXXX when in fact this account was already showing on my credit report prior to this action on an XXXX XXXX, XXXX report reporting as XXXX on an XXXX report it was removed from there and placed on an Equifax report XXXX XXXX, XXXX report as well as a XXXX XXXX, XXXX report reporting as XXXX XXXX, when this was added it dropped my score by XXXX points. Then on XXXX XXXX, XXXX this account was removed, but my score did not go up. XXXX clearly states in a letter on XXXX XXXX, XXXX that they no longer service this account that it is now serviced by XXXX XXXX XXXX, XXXX ( small print at the bottom of letter ), so why is XXXX moving this account around which has reached its statue of limits for reporting this account. 

This is a formal complaint against 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 ) and the XXXX Credit Bureaus. I am requesting that you investigate the situation and take the necessary action. 

If you need any additional information, please call me at ( XXXX ) XXXX am requesting that the item be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. This is evident from checking against https : //trustedidpremier.com/XXXX which resulted in the message saying Based on the information provided, we believe that your personal information may have been impacted by this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was decieved into thinking I was going into a payment plan for my dentist and it turns out I was actually enrolled for a credit card. I have had trouble since then cancelling my account without it effecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDXXXX ACCOUNT XXXX XXXX XXXX TRANSUNION The above creditor and Credit Reporting Bureaus are in direct violation of my consumer rights.

The creditor and credit reporting bureaus is violating the CARES Act, signed into law on XX/XX/2020 and is reporting debt and debt balance on my credit profile. 

Creditor is reporting interest charges on debt. - This violates the CARES Act in which no interest on loan, default, or deferred may be added to original loan. 

XXXX and TranUnion is violation of FCRA Fair Credit Reporting Act 15 US Code 1681 and did NOT VERIFY disputes sent on XX/XX/2020 or UPDATE my Credit Report. ( Negligenct and Willful Noncompliance with the law ) and 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. I did not authorize creditor nor Credit Reporting agency written permission to report my personal information.
Product: Checking or savings account

On XX/XX/2020 I was made aware that my account was close with Suntrust by contacting Suntrust. They stated that my account was close due to a fraudulent deposit. I didnt not touch any funds from the deposit and the the deposit never cleared my account. My account was closed with {$1700.00} left in my account. Ive been trying to call them since then and they have been saying that they can not give me any information of the phone and that a letter will be mailed to me. Im trying to get my money that was left in my account. I called the automatic hotline to the account and it state that i had a transaction posted as a legal order debit. I dont even know what this means consider the fact that I dont owe anyone and no one has every taken legal action against me. Please help!
Product: Credit reporting or other personal consumer reports

I have inaccurate info on all 3 reports. wrong address, wrong jobs misspelled name
Product: Checking or savings account

On XX/XX/XXXX I initiated a transfer of {$700.00} from my bank to my Google Pay account. It should have been 3-5 business days. The app said it would be complete XX/XX/XXXX which I'd ridiculous as an ACH transaction is pretty much instantaneous these days. I contacted Google Friday and Saturday to see why my balance was still {$0.00}. I was told the transfer was declined and the funds being returned. They would not provide a reason as to why. I still do not have my money and have been flat broke with an overdrawn checking account for almost two weeks now because I foolishly XXXXthis would be a simple quick and easy process as most banking transactions are. I don't know what to do or where to turn
Product: Checking or savings account

Chime is an online bank that has closed my account as well as many others ( evidence provided here : XXXX XXXX XXXX ) without much detail and or warning. As such, they have the funds to my account ( {$1500.00} ) and have not sent over the remaining funds from my previously open account to me via check, wire-transfer, or any other means. As this was meant to be my rent for the month of XXXX, I had to source my payment via my credit card, which is not ideal for plenty of reasons. As I have been waiting patiently for an update going on more than 2 weeks now, please help in escalating the transferring of my funds back to me ( as they have locked me out from my online app account and I am now incapable of transferring it myself ). Thanks
Product: Debt collection

Lewis, McDonnell and associates have been contacting our entire family in regards to a debt that is specifically in my wifes names. They have yet to reach out to my wife though. They are freaking out everyone in our family by throwing around legal jargon and threatening leins and wage garnishment. The debt in question is from XXXX. The original company ended up dropping up and debt collectors have been trying to collect ever since. It went dormant. Then in XX/XX/XXXX Lewis, McDonnell and associates purchased the debt and have been blowing us up ever since threatening to serve us with papers and all kinds of nonsense like that. Currently my wife and I both have XXXX and are very sick and these people will not relent. Everything I have found on them says they are a scam but everytime Im on the phone with them it scares me because all the legal stuff they keep saying. I am so scared of making the wrong choice here and screwing our lives up. Please we need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent XXXX Now a letter stating that the furniture was paid off and that the item should be taken off of my credit report as being potentially negative. Also a medical bill was reported on my Experian report form XXXX XXXX XXXX XXXX Office and the law is that nay medical bills less than XXXX are not to be reported to the Credit Reports. 

Also my husband had XXXX XXXX and a very serious XXXX XXXX which caused him to have to resign. He can not do any tyoe of work, Nor because of his reading ability can do any office work
Product: Credit card

I have been a customer with Capital One since XX/XX/XXXX. I currently have a {$2000.00} credit limit. I have always paid on time and 9 times last year I paid between $ XXXX on my bill. I have applied 2 times for a credit line increase, most recently in XX/XX/XXXX. The credit increase was declined stating that my average monthly payment has been too low. Last year I made a total of {$2700.00} in payments which averages out to approximately {$220.00} per month.I recently obtained my credit score from XXXX and it shows that I have a credit score of between XXXX ( XXXX ) and XXXX ( XXXX ). 
Based on my payment history and credit score I feel that I have been unfairly denied credit on the basis of my race or age.
Product: Debt collection

Paramount Recovery System, L.P. is trying to collect a debt that I don't owe or know anythimg about and I don't know how they received my information because they are not even the original creditor and this company has no contract with me or my written consent to furnish anything on my consumer report nor have I gave ANYONE CONSENT to any alleged creditor and thats Identity theft statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ). I would like for them to cease and desist any communication with me and close the account they alleged that I owe.
Product: Vehicle loan or lease

Ally Financial is charging extra fees to utilize the phone for payment because they are having website issues! I have tried for 4 days to get into my account to pay my auto loan and finally paid my loan through the phone, which had additional fees associated with it. The part on the other end made this payment extremely hard for them as they are from a third-world country, which further complicated the process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX 

XXXX Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX. 

Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Last 4 digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ] and XXXX XXXX XXXX  Account XXXX : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

In either XX/XX/XXXX or XX/XX/2015 My now former neighbors XXXX and XXXX XXXX approached me to ask me to co-sign for them on a loan to finance a Jeep Liberty suv. 
XXXX was about to finish school as a veterinary technician student and had some promising prospects for employment after graduation and he gave me his word that he would not fail to make the payments on the vehicle if I went forward with co-signing for him. 
In XX/XX/2015 I had some trouble with my suburban and needed to borrow the Jeep to go to the office and get my paycheck. When I asked to borrow it, XXXX said that there was no insurance on it at the moment and the registration was lapsed because he and XXXX had failed to maintain financial responsibility by keeping proper insurance according to AZ law yet the XXXX continues to drive the vehicle despite not being in compliance with the law thus jeopardizing my drivers license as well should he be stopped for any reason by the police. 
Shortly after they stopped making the payments altogether resulting in the vehicle being repossessed by XXXX XXXX XXXX. 
This affected my credit and has made it nearly impossible to get any credit to buy a new vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUD ALERT : Proof of COVID deferment was submitted by XXXX. XXXX  REFUSES to review official letter. FCBA IS NOT RESOLVED as indicated in letter from XXXX XX/XX/2021. Which is contrary to XXXX  ' results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a secured account with Self Financial IncXXXX  is reporting 1 fraudulent late payment from the credit card and 2 correlating late payments from the installment loan that comes with the credit card account to the credit bureaus. The late payments are reporting from XXXX and XXXX of this year of 2022. I have documentation from the state that is attached in this correspondence that shows I was incarcerated from XXXX of 2022 to XXXX of 2022 which would made it impossible for me to made the purchased that cause the late payment in XXXX. Self Financial Inc is in CLEAR VIOLATION OF THE LAW! The FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual. Which is an INDIVIDUAL ( me ), and the person making the REPORT which is Self Financial Inc . So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the LATE PAYMENTS which are in violation by being REPORTED and keep the account. Self Financial Inc is also in violation of 15 U.S. Code 1666b - Timing of payments where it clearly states, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up, an update from a previous complaint. I represent myself. 

I have notified credit reporting agencies and financial institution that they are reporting an account that is past the New York statue of limitations. 

New York Consumer Credit Fairness Act was passed XX/XX/2022 ; New York 's statue of limitation is three years. 

The account has not been removed from all three major credit reporting agencies. 

If it is not removed within 15 days from all three major credit reporting agencies XX/XX/2022, I will move forward with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting GM Financial but no one answers the phone or call back. I tried sending letters requesting information. The letters are returned but I use the address on the website. I am requesting a copy of a XXXX for a XXXX XXXX XXXX XXXX for XXXX or XXXX. I never received a copy. 

The information you reporting to the credit bureaus are inaccurate. I am not sure how the credit bureaus are verifying information from you when I can't even get ahold of any one from the company. 

I do not any account information. Please use my name to find the info you need.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is only one late payment back in XX/XX/2018 is still reflecting on all three reports.
Product: Vehicle loan or lease

On XXXX XXXX I received a phone call from XXXX at XXXX and it was Credit Acceptance. The Representative that was on the line stated that I was behind on my payments of {$1200.00} XXXX and when could I make a payment. As I stated to the Representative that I mailed in my payment of {$1200.00} to the address Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX and sent it certified mail as well. The Rep proceed to say if I don't make a payment today that my vehicle is up for repossession. as I stated in my last complaint my contract that I have with credit acceptance was fraud do to the truth and lending act so that would make the contract non and void and per 15 USC 1692e ( 4 ) - FORECLOSURES, REPOSSESIONS, WAGE GARNISHMENT, OR ARRESTS ARE ALL ILLEGAL. ALSO XXXX XXXX. THIS WOULD BE MY SECOND TIME SENDING IN MY MAILED CHECK AND THEY NEVER RECIEVED IT.
Product: Bank account or service

An Bank of the West account was made by my wife. She closed the account almost immediately after creating it due to a name mismatch Bank of the West could n't correct ( she subsequently open another correctly the same day ). She funded with our XXXX credit card in the amount of {$500.00}. Since the closing, I 've been informed the money would be returned to XXXX. It has n't arrived as of today ( XX/XX/2017 ). The account was closed XX/XX/2017. The money was supposed to be credited back 7-10 business days later. Bank of the West is advising me to Dispute the charge through XXXX for Bank of the West. I 've asked them multiple times to check their back office to make sure it was sent and provide some documentation to that effect ( transaction id or letter stating they returned the {$500.00} ). They have so far refused to provide evidence they returned the money. I need evidence to file a dispute with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : W

hom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX   with ACCT # XXXX opened onXX/XX/XXXX with a bala
nce of {$6300.00} -This is not my account.
Product: Credit card or prepaid card

On XX/XX/2022 I made a purchase on an online apparel site, XXXX XXXX XXXX, for {$35.00}. I paid for the order using my Chase Freedom Flex credit card. Immediately after I made the purchase I needed to change details of the order so I contacted the company to cancel the order. The company confirmed via email that the order was cancelled on XX/XX/XXXX, the same day. I never received a refund for the cancelled order. I attempted for several weeks to contact the company about refunding the money, but I received no response. I filed a claim with Chase Bank about the fraudulent charge, and provided the email chains showing my attempts to work with the business, as well as details about the company 's return policy. Chase closed my dispute with no resolution and no written communication to me. After I contacted Chase, they confirmed that they did not investigate my dispute and closed it, but they were kind enough to reopen it. I asked them if they needed any additional documentation from me in order to process the refund, and they confirmed that they did not need anything else from me. Recently, my dispute was closed again with no written communication to me. I contacted Chase 's customer support and they again informed me that they did not investigate my dispute, did not settle on a resolution for my dispute, and closed my dispute again because it was old. I informed them of the legal obligation they had to investigate my dispute and insisted that they reopen my dispute, but they refused. I informed them that I would report them to the CFPB if they would not investigate my dispute, and they did not seem to care about that either.
Product: Checking or savings account

My name is XXXX XXXX I never got my one time {$XXXX} credit yall promise please verify it was applied to my account etc. 
My name is XXXX XXXX XXXX and contact me at XXXX and account number is XXXX etc
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 an account without my written instructions.