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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 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 XXXXXX/XX/XXXX
Product: Debt collection

My husband recieved a call from a debt collector on XX/XX/2019 at XXXX XXXX EST from ( XXXX ) XXXX, regarding an old bill from XXXX. He asked them to call back for me after XXXX and then they started to give him information about this debt. My husband was never on this account and he asked them several times to just call back for me because this sound like a personal business matter. They refused and kept giving out information regarding the debt asking him to make payment arrangements for this debt. I have asked them to stop callimg amd just send communicate in writing only. I feel that my privacy has been violated.
Product: Vehicle loan or lease

XX/XX/XXXX I went to XXXX XXXX to purchase a car for cash. I chose a XXXX XXXX XXXX. I agreed to make cash payments to the dealership within 4 months to pay cash price for vehicle. I gave XXXX XXXX a total of {$1000.00}. In XX/XX/XXXX I started receiving phone calls from Credit Acceptance. The representative informed me that Credit Acceptance Company financed the vehicle. I tried to explain the agreement that I had with XXXX XXXX at the dealership. I never received a Bill of sale, odometer disclosure, flood disclosure or any other documents the dealer is required by the state of North Carolina to provide. I explained to the representative that I did not sign loan documents. I requested that the company send me a copy of all loan documents. Credit Acceptance refused to send me any documents. The Credit Acceptance representative did tell me that the car was finance for {$18000.00} and the payoff is {$10000.00}. The interest rate is 22.5 % over the legal limit usury rate. I received copies of the documents in an email response to the XXXX XXXX XXXX from Credit Acceptance on XX/XX/XXXX, five months after I supposedly signed finance documents to purchase a vehicle that according to XXXX XXXX XXXX is only valued at {$3400.00}. I recently learned that XXXX XXXX has owned many deceptive car dealerships over the years. He changes the name of his dealerships to avoid abiding by the laws. I NEVER AGREED TO PURCHASE A CAR THROUGH FINANCING
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account 30 days late to Equifax Credit Bureau for the month of XX/XX/XXXX. The payment was due XX/XX/XXXX. Our insurance company submitted the " payoff '' check to XXXX XXXX XX/XX/XXXX and it was cashed by them on XX/XX/XXXX, thus it was NOT 30 days late. I am submitting back up documentation showing the motorcycle was paid off prior to the 30 day late date. I even called them to make sure I was okay not making the XXXX payment and they said as long as they received the check by the XXXX day I would be fine not to make any additional payments. 
XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle in XX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.
Product: Checking or savings account

I opened a checking account with {$250.00} promotion bonus last year. In case, I confirmed the promotion details with customer service on XX/XX/20 and received response " The account is eligible for the {$250.00} reward and the conditions you confirmed are correct ''. So I just completed the monthly requirements but never received the bonus. Then I was told " The first month from you opening the account allows you to establish one of the conditions. So as long as you have the conditions on your account you will see the reward starting in XXXX '' from them. Surprisingly I didn't received the monthly reward In XXXX and received the response " We do apologize for the delay in following up on this situation. In completing further research, the account is not eligible for the reward due to the opening date. The account was opened on XX/XX/XXXX and we did not begin the promotion until XX/XX/XXXX. I could provide the screenshots to confirm I did see the promotion in XXXX last year but it never mentioned the period ( please see the link also https : //www.investorseaccess.com/Checking? utm_source=InvestorsBank & utm_medium=email & utm_campaign=eAccess % 20Checking % 20Launch # FAQs ). I confirmed twice with the promotion but they said I was not eligible for this bonus after completeing the requirements? It was actually a fraud and wasted my time and money during such a hard time. 

The promotion details : Bonus is up to {$250.00}, {$25.00} per month for 10 months. To be eligible to receive monthly bonus you must maintain a monthly average balance of {$1000.00} or more AND satisfy one ( 1 ) of the following transaction activity requirements : you have an ACH deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, you have Mobile Check Deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : TEXAS XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance XXXX {$680.00} XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance : {$260.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance XXXX {$440.00} ( Original Creditor : ) XXXX Balance : {$150.00} ( Original Creditor : ) XXXX Balance : {$190.00} ( Original Creditor : ) XXXX Balance : {$200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

On XX/XX/2023, I was asked by a XXXX store clerk if I was interested to join a rewards program, I asked them what that meant and what I needed to do and they only told me to show my State ID and did not at all mention that this was a credit application. I was not informed about any applicable interest rate or fees, I was only informed that by scanning my state ID, I would get a 25 % discount on the purchase. I agreed to that and did not think further about the interaction. 

To my surprise, on XX/XX/2023, I received a store card in my name in the mail. 

Upon checking my credit history, I found that a hard inquiry was made to open this account. I called the issuer of the card and they agreed to close the account. They also agreed to request removal of the hard inquiry from my credit history. 

In retrospect, the store clerk deceived me into opening a credit account that I never consented to.
Product: Debt collection

We have a credit card through chase that closed in XX/XX/2012 in the amount of $6,296.45.
The account was sold to XXXX, and they have since been charging interest on the account as if it is still open, but we have documentation from Chase that this account was closed. Since purchasing this account from Chase XXXX has added more than $1000.00 extra dollars to what we owe. We would like to settle this account for either the original amount or less than the original amount without this extra $1000.00 that we do not owe. I have spoken to Chase and this account was sold in XX/XX/2012 and XXXX purchased it in XX/XX/2012 and has been charging money to the account ever since. We have made several attempts to find out why this company is still charging amounts on this card after it was closed and they refuse to tell us why. They also refused to send any validation on this card of when they purchased it and what the original amount it closed for, so we had to go to Chase to have them give us all the information. Why are they charging more money when the account has been closed since XX/XX/2012? Documentation from Chase will be provided along with my credit record showing that XXXX is charging on this account still.
Product: Credit reporting or other personal consumer reports

The Debt Bondage Repair Act prohibits credit reporting companies from providing credit reports that contain any negative item of information about a survivor of trafficking that resulted from the trafficking. 1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking.

( a ) Scope. This section applies to any consumer reporting agency as defined in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

( b ) Definitions. For purposes of this section : ( 1 ) Appropriate proof of identity means proof of identity that meets the requirements in 1022.123, for purposes of section 605C of the FCRA.

( 2 ) Consumer report has the meaning provided in section 603 ( d ) of the FCRA, 15 U.S.C. 1681a ( d ).

( 3 ) Consumer reporting agency has the meaning provided in section 603 ( f ) of the FCRA, 15 U.S.C. 1681a ( f ).

( 4 ) Severe forms of trafficking in persons has the meaning provided in section 103 of the Trafficking Victims Protection Act of 2000, 22 U.S.C. 7102 ( 11 ).

( 5 ) XXXX XXXX has the meaning provided in section 103 of the Trafficking Victims Protection Act of 2000, as amended by section 108 of the Justice for Victims of Trafficking Act of 2015, 22 U.S.C. 7102 ( 12 ).

( 6 ) Trafficking documentation means one or more documents that satisfy paragraphs ( b ) ( 6 ) ( i ) and ( ii ) of this section : ( i ) Victim determination. Documentation that : ( A ) Is of a determination that a consumer is a victim of trafficking made by a : ( 1 ) Federal, State, or Tribal governmental entity ; or ( 2 ) Non-governmental organization or members of a XXXX XXXX task force, including victim service providers affiliated with the organization or task force, authorized by a Federal, State, or Tribal governmental entity to make such a determination ; As I submitted things things XXXX XXXX from Experian said that she cant prove XXXX XXXX is valid
Product: Credit reporting or other personal consumer reports

These Credit Reporting Companies : XXXX, XXXX, EXPERIAN, are reporting inquires that I did not authorize nor give my permission to anyone to run my credit. Here is a list of the inquiries. 

1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - ( XX/XX/XXXX ) ( XX/XX/XXXX ) 3. EXPERIAN XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX I have also filed a fraud report with the FEDERAL TRADE COMMISSION my Report Number is XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : Collection Agencies Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX City, State, Zip XXXX XXXX XXXX PA XXXX Account : XXXX To Whom it May concern : Please be advised I have requested validation ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violate my rights according to HIPPA. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above name original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. This is my second letter and I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts closed or paid off still shows
Product: Payday loan, title loan, or personal loan

I am unaware of this account being opened on XX/XX/, 2013. It is showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings CFPB! 

I recently submitted two letters to *Equifax* Regarding Inaccurate information reporting on my credit report. XX/XX/XXXX & XX/XX/XXXX... It has *PASSED*the allotted time for response. As of XX/XX/2022. I have yet to receive a response. I have attached a copy of the letter/my identification and credit report document that shows the areas of inaccuracies.
Product: Credit reporting or other personal consumer reports

: ( XXXX XXXX XXXX, ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account opened at XXXX XXXX. on XX/XX/XXXX Account number ( XXXX ) a credit card opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ), credit card Opened at XXXX  on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX on XX/XX/XXXX Account number XXXX, A credit card XXXX  XXXX on XX/XX/XXXX account number ( XXXX ). A credit card account XXXX on XX/XX/XXXX Account number ( XXXX ). A bankruptcy public record account US DIST CT on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XX/XX/2018 - Received an email stating that open XXXX Money market savings account and deposit total of XXXX by XX/XX/2018 to get XXXX $ bonus ( Attached email stating full terms ) XX/XX/2018 - Opened account and funded with XXXX $ XX/XX/2018 - completed total of XXXX transfer XX/XX/2018 - Contacted CSR from capital one to check the status of bonus, CSR replied that i need to fund within 10 calendar days ( which is nowhere mentioned in the email i received ) and also stated that i need to maintain XXXX for 60 days ( which is mentioned in email as deposit XXXX but not mentioned anything like i need to maintain XXXX ). I wanted to verify the terms i received so i disconnected by stating that i will call back XX/XX/2018 - Contacted again and CSR was saying contradictory information stating that cumulative XXXX is ok but need to deposit everything within 10 calendar days, which again not in the email.
Product: Credit reporting or other personal consumer reports

XXXX : On XX/XX/XXXX, XXXX mailed over a dispute letter to XXXX XXXX the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XXXX, 2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 

TransUnion : On XXXX XXXX| mailed over a dispute letter to TransUnion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from TransUnion that was issued by them on XXXX, 2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address. 


XXXX. On XXXX XXXX| mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I havent received a response as of XXXX I am demanding XXXX XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute.
Product: Debt collection

I mailed a letter XXXX requesting debt validation to LVNV on XXXX/XXXX/16. In that letter, I invoked my rights under the Texas Finance Code 392.202. They have failed to provide proper validation, Texas law requires that they delete their reporting, and cease all collection activities until FULL VALIDATION UNDER TEXAS LAW IS PROVIDED. 
Sec392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by the agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101. 

LVNV is also deliberately treating a debt validation under Texas Financial Code as if it were a dispute under FCRA. I believe this to be an abusive application of the FCRA dispute process, as placing dispute comments derails credit applications. This seems to be a common tactic lately, and their intent is to discourage consumers from seeking their rights to debt validation under FDCPA and state statutes. In my letter, it states I am requesting validation. They are broadly interpreting the term dispute. If LVNV DID actually consider the letter to have been a reportable dispute, then they must treat it as a direct dispute and investigate it as such, conclude that investigation within 39 days, and send a NOTICE OF RESULTS to the consumer. They thus did not treat it as a direct dispute, undermining their statement that it was a dispute.
Product: Money transfer, virtual currency, or money service

I saw numerous issues with the Zelle platform and no one seemed to help on this matter, the CFPB seems to have shed light on this and now we see we were never protected as consumers.