23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024 I called XXXX XXXX XXXX for a quote on an inspection and report. She quoted me {$900.00} and recommended a lab test for me at {$590.00}. She said to make an appointment I needed to authorize a {$50.00} deposit on my credit/ATM card. During that day she called me repeatedly while I was working then texted to seek confirmation that the inspection would be the following day and to send the lab test. I texted back I would call her. She immediately texted back confirming the appointment and the tests being sent. I responded I needed time to consider and she responded it was too late the tests had gone out and everything was non refundable. They offered a discount and I refused. I contacted the lab they ordered the test from and told them to cancel which they confirmed they did. The lab test never got sent to me. XXXX XXXX XXXX lied that the tests went out and kept the money. On XX/XX/2024 they charged my card for each charge ( XXXX total, {$50.00}, {$850.00} and {$590.00} ). I disputed with Wells Fargo and they denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX alance Owed : {$200.00} XXXX XXXXXXXX XXXX I XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian XXXX times on XXXX to resolve some issues I had with my credit report. I asked the first rep XXXX " what is the procedure for furnishing information without the consumers permission ''. She stated " Experian don't need permission they can do it anyways ''. After explaining to her Pursuant 15 Us C 1681 in order to do so. Experian woud need expressed permission or written instructions to do so. After her showing me she was uninterested in resolving my concern. I asked to speak with a supervisor. XXXX couldn't help and refused to give her ID #. So she transferred me again to XXXX XXXX XXXX ) who then transferred me to XXXX in the fraud department. XXXX told me " She trained in the FCRA and Experian has contract with the creditors and is not required to validate or investigate accuracy because they assume the creditor is being honest ''. I told her " that was not fair and the law states their company must take the proper measures to assure my report contains accuare information ''. She said " its not experian job to mediate nor is documentation required to grant permission. She then proceeded to dispute the XXXX accounts that i had concerns about.
Product: Credit card

I have experienced on going issues with my Goldman Sachs Bank Apple credit card. It seems that I am continuously facing problems with fraudulent transactions, and the bank 's response to these issues has been inadequate and concerning. On XX/XX/year>, at XXXX AM, a transaction from XXXX XXXX and XXXX for {$270.00} was declined. In response to this, I promptly changed my virtual card number as a precaution to. However, shortly thereafter, I noticed another unauthorized charge from XXXX XXXX and XXXX for the same amount of {$270.00} appearing as a pending transaction. I contacted the bank immediately to report that this transaction was not authorized by me. Additionally, on XX/XX/year>, there was a fraudulent charge attempt from XXXX XXXX for {$360.00} at XXXX PM, which was thankfully declined. On XX/XX/year>, there were XXXX more unauthorized transactions : XXXX from XXXX for {$360.00} at XXXX PM and another from XXXX XXXX for {$220.00}. Unfortunately, the latter transaction was allowed to go through, and I now find myself in the position of having to dispute this charge as well. My previous experiences with Goldman Sachs Bank have been similarly troubling. Last year, I encountered a similar issue where I was forced to pay for a fraudulent transaction despite providing proof that I did not authorize it. The lack of consumer protection and support from the bank is alarming. Given these repeated issues, I am requesting that the disputes for the XXXX unauthorized transactions be resolved promptly. Furthermore, I have decided that I can no longer maintain this account due to the continuous liability it poses. I wish to close my account with Goldman Sachs Bank as I do not feel secure with the level of protection provided.
Product: Credit card or prepaid card

It looks like possible XXXX profiling to me, but maybe it's just incompetence. 

Applied online for a Target Redcard ( branded card issued by TD bank ) on XXXX XXXX. Received a formletter XX/XX/XXXX that asked for a copy of the front and back of my driver 's license, and social security card, plus a utility bill. Letter  said they had contacted XXXX  for my credit information. 

None of this information adds anything useful for credit analysis over what's in my XXXX  file -- except the picture on my drivers license. The other items appear to be just cover to disguise what they are apparently really after. The application said nothing about requiring these items. 

My credit score is above XXXX, I've lived at the same house ( which I own outright ) for more than 30 years. Other banks regularly send me 'pre-approved ' credit card applications. XXXX has a record of my credit card payments going back years, along with my address, my social security number and the lack of any negative reports from utility companies or anyone else. Given the length of the credit history and the hundreds of thousands of dollars of past on-time payments, if these questions are to deter identity theft, they must suspect a rather long and unlikely con. 

Another possibility is that XXXX XXXX  did issue a credit card in my name a few years back to a scammer with a Florida address and only cancelled it when I contacted them. But that information has dropped off my credit reports -- if TD is relying on information other than XXXX, they should say so
Product: Debt collection

Attached I send you my FTC report, as proof of my claim and I show you all the information that is being reported erroneously and fraudulently. This affects my reputation in my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

*3RD REQUEST* Equifax is not properly reviewing accounts on my report. They are illegally reporting accounts that are closed with a balance every month with interest. I have disputed several times and they have sent out stall letters and also told me I can not dispute accounts anymore. I am preparing for a lawsuit against them. They are in direct violation of my rights as a consumer. According to FCRA 91-566 Title VI, Section 611, selection A-D. 
Reporting inaccurate information every month on C/O and consistently reporting balances to closed accounts every month and reflecting a {$0.00} balance after accounts have been sold, is against the LAW! I have tried to be nice, but they leave me no choice but to sue them. I have every stall letter, every letter where they stated they verified but NEVER provided or acknowledged my request of Method of Validation my request was ignored. They are in non-compliance and not following XXXX XXXX and XXXX XXXX rules. 

Accounts in questioned are : Total Visa The XXXX XXXX XXXX  XXXX Services
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding misleading information provided by Ava Finance, which has negatively affected my credit report and my ability to do business with them.

I spoke with a representative from Ava Finance, who assured me that the late payments listed on my account would be removed after I paid off the balance. Trusting this promise, I paid off the account and even opened a new one with the company, as I appreciated the resolution offered. However, after fulfilling my part of the agreement, I checked my credit report and found that the late payments are still listed, despite the assurances I was given.

Moreover, Ava Finance is now reporting misleading information, and my account has been closed. When I attempted to open a new account, I was told that I dont make enough money, despite earning over {$4000.00} a month. This feels like some form of retaliation for raising concerns about their previous misleading promises and practices.

I feel misled and unfairly treated by Ava Finance, and I believe they are not following through on their commitments. I am seeking assistance in resolving this issue, addressing the misleading information being reported, and ensuring the company is held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

American Express Gold XXXX Credit Card requested credit reports for myself from the Credit Reporting Companies XXXX times ( i.e. XXXX ), from XX/XX/XXXX to XX/XX/XXXX. I contacted Experian after running a Credit Report to verify, they verified it, and suggested contacting American Express. American Express Executive Customer Service representative looked up to verify and requested copy Credit Report I had in possession related to queries, which was sent in email attachment to AMEX, re : Dates of Request ( XXXX times ). American Express stated they would investigate and get back to me in a few days, American Executive office contacted me back and stated those inquiries where for " promotional purposes '', which differed from information that was provided to myself from Experian. I respectfully submit a complaint to the CFPB, as this I feel could greatly affect my Credit Score or Credit Standing by the Reporting companies, especially if a Credit Report is run for new or updated credit application. Thank you.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/year>
Product: Checking or savings account

I am getting the run around on account closure due to a {$2.00} balance. I've transferred it out but customer service is saying it could take 15 business days to close my account, and they might reopen the account if the {$2.00} is there, etc. Please let this serve as a written request to not open any accounts and close all account sunder my name
Product: Debt collection

An attorney at the XXXX XXXX XXXX here in XXXX FL said that you are 'wonderful ' and would help me with this problem. 
In XX/XX/XXXX, I settled all my bills completely, and moved to XXXX XXXX for 8 months. During this time, XXXX started sending me on-line bills for my now non-existent cell phone which had been closed. I had to get a lawyer to deal with them, and XXXX XXXX XXXX XXXX. of XXXX, PA.was able to stop the harassment. 
On XXXX XXXX, XXXX, a collection agency called ERC sent me a bill from XXXX for {$300.00}, stating that my balance with XXXX remained unpaid. 
I believe that this is a fraudulent claim and that XXXX and ERC are harassing me.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX XXXX XXXX NEVER perform a real Investigation. Therefore, I have commenced the process of litigation in the federal court system... .. ... Transunion , To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached - to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Consumer credit report. Please delete ALL of the Following : XXXX XXXX XXXX  Credit cards {$530.00} acct # XXXX XXXX ) XXXX  XXXX {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} acct XXXX XXXX ) XXXX XXXX XXXX {$300.00} XXXX. 
. I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX Bank XXXX XXXX - Account # XXXX XXXX XXXX Account # XXXX The above accounts have 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, states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information 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: Credit reporting or other personal consumer reports

The Experian website is uniquely predatory and leverage " Dark Patterns '' to obviously upsell users and scam them into purchasing products that are unnecessary. 

In contrast with XXXX or XXXX, as soon as one logs into Experian they are met with a full screen upsell page that makes it seem like you need to enter your payment information and buy their services in order to proceed. Or at least enter information so they can further spam you with advertising emails under the guise of credit responsibility. Not to mention they employ a " Free Trial '' which then automatically converts to a $ 25 monthly subscription - a practice which is specifically identified as " Hidden Subscription or Forced Continuity '' by the FTC. 

To make matters even worse : Experian makes the federally required, free credit freeze extremely difficult to locate on their site. Indeed, anyone navigating their site will first find their " Experian XXXX '' upsell when looking for the ( Federally Mandated ) free credit freeze. Only after specifically scrolling past the upsell can one find a link to the actual free security freeze. 

Experian 's dark patterned, upsell scamming practices are outrageous and totally unacceptable given Americans virtually have to interact with Experian to operate in a modern lending world. It is disgusting to me a XXXX XXXX company that is regulated Federally and under scrutiny for security breaches could themselves act so predatory. It's outrageous.
Product: Credit card

So Master Card Barclays Luxury card was being offered to XXXX military personnel with 0 % interest and no annual fees for as long as you were XXXX. After having the card over a year they decided to send out letters saying that they will now be instituting an annual fee starting the end of XXXX 2018. Now I know its a good deal but are they allowed to change the contract after they have already promoted and offered the initial contract. Should n't that be a grandfathered in situation due to the fact they lied about the card to get you to sign up then change the rules using a loop hole.
Product: Debt collection

XXXX XXXX XXXX is reporting under 3 credit bureaus duplicate accounts that they have not verified
Product: Credit reporting or other personal consumer reports

I do not recognize these addresses on my credit report. 
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: Payday loan, title loan, or personal loan

I tried to make my monthly payment several times before it became 60 days late. I was told by the representative to wait 5 days to see if the payment would go through. I did that about 4 times with 2 debit cards and 1 savings account. After many attempts, I was told by a customer service representative that there was a glitch in their system and the could not accept debit card payments. Debit cards, he said, went through two processing systems and they are not processing at this time. I went and opened a checking account to make the payment and by that time I was over 30 days late and was reported to the credit bureaus. I do not feel that I should have been reported because I tried to make the payment, but their system was inadequate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this Caine & Weiner account number XXXX on XX/XX/ The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from my credit report
Product: Debt collection

XXXX XXXX [ XXXX XXXX XXXX ] XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau [ XXXX XXXX XXXX ] [ XXXX XXXX, XXXX XXXX, XXXX ] Dispute of Collection Agency Violating Rights I am writing to file a formal complaint against [ MRS BPO LLC ] regarding their practices that I believe are violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XXXX XXXX, 2024, I received a collection notice from [ MRS BPO LLC ], claiming that I owe [ {$2200.00} ] for [ XXXX ]. Upon reviewing the notice, I have identified XXXX instances where I believe XXXX XXXX has violated my rights as a consumer : Failure to Validate Debt : Despite my request for validation of the debt in writing within XXXX  days of their initial contact, MRS has not provided any documentation substantiating the debt but yet they placed a collection under my consumer report. This violates 12 CFR 1006.34 ( b ) ( 5 ) which states that during the validation period, debt collectors can not engage in any collection activities or communications that contradict or overshadow the consumer 's right to dispute the debt. This also includes the right to request the original creditor 's name and address FAILURE TO DISPUTE : I was never given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) MRS BPO LLC is violating my rights by by using false misleading misrepresentation and deceptive means MRS has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Enclosed with this letter are copies of relevant correspondence are records of communication attempts. 


I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against [ MRS BPO LLC ] for their violations of the FDCPA. I also request that [ MRS BPO LLC ] cease all collection activities against me until this matter is resolved. 

Please contact me at the above address or by phone at XXXX if you require any further information or documentation regarding this dispute .Thank you for your prompt attention to this matter. 

SIncerely, XXXX XXXX
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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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