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

Flex Finance is reporting derogatory information onto my consumer report that needs to be removed. I didnt give consent to flex finance to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. Flex Finance is furnishing a charged-off account onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a credit report. 
Flex Finance did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. 

I am asking Flex Finance to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this charged off account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00}
Product: Credit reporting or other personal consumer reports

Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found item ( s ) to be in error : I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$380.00}.

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 onXX/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. 

-- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am still having difficulties for XXXX XXXX to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. 

I am being taken advantage of badly by this fake company.
Product: Credit card or prepaid card

On or about XX/XX/2022, I purchased airplane tickets through the Chase Rewards Portal for a family of XXXX that totaled ~ {$3000.00}. The reason was the incentive that Chase Rewards provides about 5 % back. This was the biggest regret due to their misleading practice as detailed below. 

Due to circumstances, I needed to cancel my airline purchases. At the time of cancellation, the following terms and conditions were disclosed to me : XXXX ) all of the passengers need to be present for my future airline credit purchase ( i.e., must be a family of XXXX ) ; XXXX ) it must be the same airline ; and XXXX ) travel must be completed within a year. 

On XX/XX/2022, in abiding by the aforementioned terms and conditions, I tried to book a flight, but was prohibited because of the following additional condition being imposed : if I booked an international flight originally, that I would have to rebook another international flight. Even when I called customer service from Chase on XX/XX/2022, for support, the representative acknowledged that this was not part of the disclosures that were presented to me ( Chase can pull back the actual tape recordings through their QA process ). Now, I am having extreme trouble trying to reuse my flight credit, all in the meantime, the airline ticket prices have gone up in the 2 days for a difference of ~ {$700.00}. 

To me, this fits squarely within UDAAP, and am extremely disappointed at Chase 's lack of pointing out these restrictions.
Product: Payday loan, title loan, personal loan, or advance loan

This complaint is connected from XXXX. FYI-Please see NEW attached official proof that XXXX XXXX has an on-going fraud/criminal investigation with the FBI XXXX XXXX released officially XXXX of XX/XX/2024. Feel free to contact their office in order to validate it. Thank you.
Product: Checking or savings account

We have done our banking at National City Bank then ( Name Change to PNC Bank ) for more than 20 years. We choose to close our safe deposit box in XX/XX/XXXX as we were planning to move out of state. We went into to local branch of PNC Bank ( XXXX Illinois XXXX. XXXX, XXXX, IL ) at the end of XX/XX/XXXX and retrieved all of our belongs from our safe deposit box, signed the papers with the teller closing the box and returned the key to the teller. I asked when we would get a refund for the unused time, and she indicated you do not get a refund. I did not agree but choose to move forward and not escalate the matter. Then in XXXX I received a notice indicating on XX/XX/XXXX I will be charge for a renewal ( letter dated XX/XX/XXXX ). I called on XX/XX/XXXX the number on the letter as instructed if any questions and talked to a XXXX. She indicated there was no record of closing the box. After a discussion the matter was escalated, and I was advised a different person would call me back about the situation. On XX/XX/XXXX a different person called me to discuss the matter. She took down information and advised she would call me back the next day after she talked to the branch. Today ( 1 week later ) she called back and indicated nobody in the branch would answer the phone until now ( yes, I said no one would answer the phone at a Bank during normal business hours ) but has now talked to the branch and the box is still open. I need to prove it was closed and send her that information. I could not believe I had to prove I do not have a key to the box and show papers that the bank never gave me, or they will charge my checking account. 

I do not feel the burden of proof is on me, when I have already done everything in XXXX I was supposed to do. The burden of proof is on the bank to prove they have an agreement that has not been cancelled. We signed the signature forms the day we closed it and signed the same forms on that day indicating the box would be closed. 

I would feel it is against the law for a business to bill more than customer for the same box. As I closed the box and they want me to pay and I feel they have re-rented the box to someone else, this would be against the law.
Product: Debt collection

I separated from my husband we both had our phones through XXXX XXXX I took my phone and assumed responsibility. That point I had it for a year I change companies to XXXX had them walk me through each and every charge and how to get out of that phone. Paid that amount and 2 months later I receive a huge bill. As soon as I receive this bill I contact the company go over it they said that there are now new fees that are going to be attached. At that point I completely disputed the bill. No form of dispute took place with this company I could not fight the charges there were no steps for me to take I put a dispute in with my credit reporting agencies and it still stands that way now this was almost 7 years ago they're not allowed to be on my credit report after that time. So they have chosen to sell it to another company and they're reporting it as a new debt only thing on my credit report I refuse to pay it because this was a wrong practice in the first place! Now this company is harassing me I mean from phone calls to letters in there different phone numbers every time. Even though I say I dispute it that they're not allowed to report it to my credit agency that they are not the ones that had their debt and mine has been just how can they sell a disputed item anyway? Nothing has taken place for me to even have a stand to dispute! XXXX XXXX is the new company the debt they are reporting a {$660.00} debt when I paid every single one of my fees to get out of that contract I can't do it!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. 

Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. 

Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. 

XXXX, XXXX, XXXX, LexNexis  Risk Solutions Inc and XXXX XXXX/LexisNexis Risk Solutions gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX and XXXX Data Breach and I decided to review my credit file and noticed that there are multiple inquires that i never authorized or companies that I gave permissible purpose to or was extending credit for so they have XXXX written or expressed consent to have pulled my credit report. I have already filed and FTC Identity Theft report which I have attached along with a copy of my ID and a billing statement. Please remove these inquiries as they are fraudulent and were not authorized by me. 

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
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 - XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Mortgage

Paid the amount of XXXX via an ACH transaction with my bank and another XXXX via ACH transaction with my bank to OCWEN loan Servicing LLC ; they ( OCWEN ) have first told me they processed the amount and then said that it was returned due to insufficient funds. Per Faith ( loan consulant XXXX ) and XXXX ( Customer Service Supervisor XXXX ) the funds were returned on XXXX XXXX to my account with XXXX XXXX ... no such transaction per XXXX XXXX has taken place. 

XXXX federal agent XXXX produced a trace confirmation letter for each transaction which is attached. 

I would like to know where {$1000.00} dollars has gone and this is not the first time I have filed a complaint with CFPB regarding OCWEN and their loan practices.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a XXXX  data breach. After reviewing my credit report I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find the attached copy of my ID, The FTC Complaint, a copy of my XXXX Report showing my information exposed in a XXXX XXXX XXXX and a Validation of Debt Letter.
Product: Credit card

A couple of days ago I got a notice from Chase Bank that the terms of my agreement had changed and that I now needed to make monthly interest payments on my balance. I transferred about half of my balance on a XXXX credit card in XXXX with the understanding that there would be no interest payments due for 15 months. This is how the SLATE credit card is advertised even today as my attachment shows.
Product: Debt collection

This company is reporting a debt to credit bureau and never sent me a letter. I have sent them a letter requesting verification and have not received a response.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a Vanilla Visa card for {$400.00}. Before I purchased anything and with in 7hrs my {$400.00} had been stolen. This has happened to thousands of people. They say that they will send another card with in 45-90 days. But they never send a card and if they do the same thing happens. Vanilla Visa is a scam and they need to be looked into. I really need them to refund my {$400.00} and not have it take 45-90 days!
Product: Debt collection

Final bill was sent with a credit and as a result of this credit I was sent a debit card for the overpaid amount. I have proof of final 3 invoices. I left XXXX with a credit on my bill and after 90 days they sent me a debit/credit card with the remaining {$99.00} credit that was left on the account.
Product: Checking or savings account

A few years ago, Bank of America closed my checking accounts and would not tell me why. At this current time, I need to be able to bank with Bank of America because I am one of my mothers guardians and oversee her finances.

I need someone to tell me I was forbidden with doing any banking with Bank of America even though my account had been open for over 30 years with absolutely NO issues ever!!

It never made sense and no one was allowed to tell me what happened to cause this action by BOA.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Erroneous Debt Reporting by Credit Bureaus Dear Sir/Madam , I am writing to formally lodge a complaint regarding the persistent and erroneous reporting of a debt on my credit report that is not mine. The debt in question is associated with the account number XXXX from XXXXXXXX XXXX XXXX. 

According to 15 U.S. Code 1681a - Rules of Construction, I did not give written permission for these accounts to be furnished on my credit report. Furthermore, this erroneous reporting has caused significant distress and has adversely affected my creditworthiness. 

Additionally, I would like to bring to your attention the implications of 18 U.S. Code 894 - Collection of Extensions of Credit by Extortionate Means, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 

Given these legal stipulations, I demand that the credit bureaus present me with the complete debt history, including documentation bearing my signature, to validate this debt claim. Failure to do so will necessitate further legal action to rectify this unjust situation. Immediate Removal of the Erroneous Debt. 

I request that the Consumer Financial Protection Bureau intervene in this matter to ensure that the credit bureaus rectify this erroneous reporting immediately. This includes the removal of the incorrect debt from my credit report and the cessation of any further attempts to collect this debt. 

Please keep me informed of the progress of my complaint. I am eager to see this matter resolved swiftly and fairly. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the account and information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this report in my previous letter dated XX/XX/2022 & I am including it again. Also, the information theat some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Reporting Agencies that if they do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Under the FCRA section 605b, I am requesting that the Experian and XXXX XXXX XXXX remove the following items completely from my File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The owner of the mortgage passed away. We have tried to work with SPS, we have submitted documents to them from the surrogate 's court. Every time we submit the documents to them, they always come back stating that they never received any documents or some other excuse, why we can not even get basic information on the loan. They will not give us any information or try to help us bring the loan current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been going over my credit report and I saw some collections and inquiries that were on there. It says that I owe you guys a lot of money but, I dont know what its for.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these account until I get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application online with Discover Card on XX/XX/XXXX. I was approved for the Card. However, I never recieved the card due to Discover closing my account. I contacted Discover on XX/XX/XXXX, XX/XX/19 and XX/XX/19 they stated that they couldn't verify my income within 5 business days of them submitting the card. Although I IMMEDIATELY completed the requested forms for them to obtain my income from the IRS. I was informed that due to the IRS not sending them the requested information within the 5 days that they had to close down the account. My credit profile took a hard hit for something that I had no control over. I submitted the requested paperwork for discover card to get the information from the IRS AND YET INSTILL I'M BEING PUNISHED FOR SOMETHING THAT THE DIDN'T GET IN 5 DAYS. In which I had no control over. This hard hit and account sitting on my credit profile is hindering me from purchasing a home.THIS IS ALSO HINDERING ME FROM GETTING APPROVED FOR ANOTHER DISCOVER CARD.