23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Midwest Recovery Systems reported a collection to my credit reports that I am unaware of. There was never a prior notice sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681C-2a a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the following item ( s ) on my credit report. I believe the information listed below is inaccurate, and I request that it be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which governs the accuracy and completeness of credit reporting.

Disputed Item ( s ) : Account # XXXX According to the FCRA , under 15 USC 1681 1 A 1, all information provided to credit reporting agencies must be accurate, complete, and verifiable. This information is currently inaccurate, and I believe it does not reflect my actual credit history. 

Furthermore, under 15 USC 1681 1 A 6b3, if the information is being reported by a third party or creditor, they must provide the necessary verification of the accuracy of the data. I request that you, or the reporting creditor, investigate the details and provide me with verification to ensure the accuracy of this item ( s ).

In addition, per 15 USC 1681 1 A 5B, negative information that can not be properly verified must be removed from my credit report. Therefore, if your investigation does not verify the accuracy of the disputed item ( s ), I expect it to be deleted in accordance with these legal requirements.

Please conduct a thorough investigation of the disputed item ( s ) and provide me with the results. I am entitled to receive the results of your investigation within 30 days of your receipt of this letter. 

Please send me a copy of my updated credit report once this matter has been resolved. 

Thank you for your attention to this important matter. I look forward to your prompt resolution of this dispute. Should you require any additional information or documentation to assist in your investigation, please contact me at the address or phone number listed above.

Sincerely,
Product: Credit reporting or other personal consumer reports

I want to dispute fraudulent accounts on my consumer report that you have failed to delete. I request a reinvestigation & permanent removal of the inaccurate accounts in accordance with the Fair credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me & how it was verified. immediately remove these inaccurate accounts from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a detailed complaint against XXXX XXXX XXXX XXXXXXXX for a series of unethical practices, targeted retaliation, and false reporting that have significantly impacted my financial standing. 

1. Inaccurate Reporting of Payment History and Targeted Retaliation : XXXX inaccurately reported my account, ending in XXXX, as XXXX days past due. This misinformation appears to be linked to the combination of a XXXX loan with a credit card, resulting in complex challenges in resolving this matter. The closure of my accounts and other punitive actions taken by XXXX directly correlate with my dispute, indicating targeted retaliation. 

2. Mismanagement of Payments, Unauthorized Transaction, and Late Fees : Despite submitting an additional payment of {$8300.00} on XX/XX/2023, with the intention of paying off my loan, XXXX neglected to apply this payment, incurring unnecessary interest and charges. On XX/XX/XXXX, I paid {$1300.00}, and XXXX responded with an unauthorized transaction attempt of {$7000.00}, seemingly in retaliation for retracting an optional loan purchase. Even while adhering to a payment plan, XXXX charged late fees, contradicting the agreed-upon arrangement. 

3. Fallacious Reporting, Arbitrary Credit Limit Reduction, and Confusing Inconsistencies within Chases System : On XX/XX/XXXX, despite making the agreed-upon minimum payment of {$310.00}, XXXX imposed a late fee based on false reporting. Additionally, XXXX arbitrarily reduced my credit card limit, distorting the appearance of my payments and negatively impacting my credit score. The credit card system displays confusing inconsistencies, particularly regarding unclear minimum payments, and support team members struggle to provide coherent explanations. 

Enclosed with this complaint, Ive provided relevant payment receipts, illustrating my consistent efforts to meet financial obligations despite the challenges posed by XXXX system. 

Given the severity and multiplicity of these issues, I urgently request the Consumer Financial Protection Bureau to conduct a thorough investigation. It is my sincere hope that the Bureau holds XXXX accountable for these actions, ensuring fair and ethical practices are maintained. 

I appreciate your prompt attention to this matter and anticipate a comprehensive examination of the facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a payment status of 90 days late, Experian is reporting no late payments and XXXX  is not reporting this account. XXXX XXXX XXXX : XXXX  is reporting a payment status of 30 days late, Experian is reporting a status of 30 days late, XXXX  is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2019, Experian and XXXX  are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Payday loan, title loan, personal loan, or advance loan

Follow up on previous complaint XXXX. TD Bank/TD XXXX XXXX XXXX XXXX XXXX response to my complaint. They claim they sent a one-time verification code, a blatant lie. I never received any such thing. They must provide indisputable proof if they sent a code, otherwise they need to close the account. 

-- -original complaint XXXX -- - On XXXX XXXXXX/XX/year>, I went into the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase an engagement ring for my girlfriend. Initially, I wanted to finance and purchase the ring on credit. XXXX XXXX doesnt offer in-house financing, instead, they partner with TD Retail Card Services to handle the financing. The XXXX XXXX store representative provided me with a link to TDs credit line application. After completing the application and supplying all of the necessary information, I was immediately approved for a {$14000.00} credit line. I was escorted to the XXXX XXXX business office to complete my transaction. The business office employee, XXXX, stated that she had to call TD Retail Card Services to make sure everything was set on their end. At some point during the phone call, XXXX handed me the phone and said that the TD representative wanted to speak with me. The agent verified that my application wasnt declined, but further processing was suspended due to missing or incomplete information and they were unable to verify my identity. When I asked the representative for specifics about the missing information, she declined to tell me. She also refused to send a two-factor verification link to my phone or email. I ended up making a temporary layaway arrangement with the jewelry store until I could get all of the financial details sorted out. I later spoke to XXXX other TD agents and was given the same answer, Were not able to further process your application at this time. We will be sending you a letter in the mail, until you receive that, we cant provide you with further details. 

On XXXX XX/XX/year>, I received TDs letter in the mail. The wording was rather vague and stated that processing was suspended due to a potentially suspicious transaction. I reached out to TD once more in an attempt to get the issue resolved. I asked the representative What information do you need from me that will assist you in validating my information? Much like the other representatives that I had spoken to up until this point, his answers were very evasive and vague. He was also quite rude much like the other TD reps I had dealt with. Frustrated and realizing that I was getting nowhere with TD, I mailed a dispute letter demanding that they close my account and remove any hard inquiries from my credit reports. I have also filed disputes with all XXXX credit bureaus. My purchase through XXXX XXXX has been completed by other means and I now have possession of the engagement ring.
Product: Debt collection

I requested a detailed description of the alleged charges, dates, and amounts over the phone. Instead I received a letter with just the total alleged amount. I responded with a written dispute letter as I do not agree with the amount in question requesting again a detailed description of the alleged charges in writing. My dispute has not been responded to and the company continues to repeatedly call all day and night and harass my father and provide him with information that is inappropriate. They then attempted to withdraw money from my bank account fraudulently and without my permission and I had to cancel all of my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company on the attached document violated the following laws. 

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy in accordance to the law.

15 U.S.C. 1681 Section 604 A. States that a consumer can not furnish an account without my written instructions.

15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

I am writing to express my deep frustration and disappointment regarding the lack of resolution for a financial matter I have brought to your attention. On XXXX XXXX XXXX I requested a money order in the amount of {$470.00} from the United States XXXX XXXX. Due to a system failure on their end, I never received the money order. Despite this, the funds were withdrawn from my account. 

Following the advice of the XXXX XXXX, I filed a dispute with your bank, yet no progress has been made. To date, you have failed to investigate this matter or return my funds, even though the money order was never issued. 

As a XXXX who relies solely on social security income, this situation has caused severe financial hardship. I can not afford to lose {$470.00}, and I am distressed by the lack of support and urgency shown in addressing this issue. 

I strongly urge you to prioritize this dispute and take the necessary steps to investigate and rectify this error immediately. Please confirm receipt of this letter and provide an update on your actions to resolve this matter. 

Thank you for your prompt attention to this serious issue. I look forward to your response.
Product: Consumer Loan

We had an accident that totaled our vehicle. The driver and her insurance company, XXXX XXXX, accepted full responsibility. We came to an agreeable settlement with the insurance company. We had our loan with Wells Fargo and had only had the vehicle 2 weeks prior to the accident so no payment had been made yet. XXXX XXXX dealt directly with Wells Fargo and XXXX XXXX called and left me a voice message saying that they had been paid in full and that we would be receiving the remaining amount the next day. After a couple of weeks we received a letter in the mail from Wells Fargo stating there was an outstanding balance on the loan of {$1300.00}. We called XXXX XXXX and we were told that they had a Letter of Guarantee from Wells Fargo Dealer Services stating the payoff amount of {$16000.00}, however the amount of {$15000.00} was what was listed below and stating that by signing Wells Fargo Dealer Services agrees to accept a check for {$15000.00}. XXXX XXXX said that was what Wells Fargo quoted them for the payoff amount that was needed which is what XXXX XXXX sent them. After several failed conversations with customer service reps we were connected with the president 's office and XXXX XXXX. She said she would check into it and contact us in a week. That was 2 weeks ago. I spoke with her today and she told me the same thing she did 2 weeks ago, that she could n't make any decisions and would contact the insurance division of Wells Fargo. The Letter of Guarantee was signed by XXXX XXXX of the Insurance Division on XX/XX/2016. We have now received XXXX payment notices. We have the letter of guarantee, the settlement letter from XXXX XXXX along with any other paperwork needed on this matter. We are not getting any resolution in talking with Wells Fargo Dealer Services and XXXX XXXX claims that they have done their part and are no longer responsible for the remaining balance. Wells Fargo Dealer Services has told us that we are responsible for the remaining balance but will not give us any reasons for the shortage on the original amount. We want this matter resolved between Wells Fargo Dealer Services and XXXX XXXX and our account completely cleared of any remaining balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a Dispute with Experian regarding incorrect information from the creditor XXXX on my Credit Report. On XX/XX/XXXX XXXX illegally opened an account, and then reported the Debt included in or discharged through Bankruptcy Chapter XXXX. This Account was Not included in my Bankruptcy. Then on XXXX, XXXX XXXX placed a Collections Status on my Credit Report, and another Negative Status on XX/XX/XXXX, even though the Account Status was Closed and there was no Usage, Balance or Payment History. Experian however rejecting my Dispute, and as a result my Credit Score has decreased significantly. 

On XX/XX/XXXX, through XX/XX/XXXX, I was shopping for a Car Loan, and had 8 total Hard Inquires during that 17 days timeline. Experian, currently listed all 8 Inquiries separately on my Credit Report, and does not allow for an Online Dispute to correct. As a result, my Credit Score currently lists 10 Inquires, which is significantly more damaging then the 3 it should reflect.
Product: Credit reporting or other personal consumer reports

I am thankful for your help in removing some of the negative items from my credit file. However, there are still a few incorrect items that need to be removed. I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) credit inquiries that I find to be problematic. I contacted the companies listed below and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Please remove these inquiries at your earliest possible convenience. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your results within 30 days time. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} ; XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Inquired on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018, I traded in a vehicle to a dealership that I am currently involved in litigation with. At this time, my credit account with the credit union in question was current. I found out weeks later that the dealership had not paid the vehicle off. I made the credit union aware of this dilemma numerous times and yet, the account was still reported late to Experian, XXXX, and XXXX. 

After the dealership finally paid off the vehicle, ( after having it in possession for almost 2 months ), the credit union updated my credit reports to show the account closed and showed it to be paid in full, yet the " payment status '' on all three reports shows as currently late. I have disputed this account with all three bureaus, ( Experian twice! ) and the credit union has verified inaccurate data. Unfortunately, this now makes them liable for damages to be pursued under the FCRA, FDCPA, and the TFC. This false reporting has placed a tremendous stress on my finances, ( as I was in the middle of a mortgage loan when this hit ), and has taken a severe toll on my health and well-being. 

These complaints are also being reviewed by my attorney who is handling the case with the dealership in question as well.
Product: Vehicle loan or lease

NMAC Charging adding additional fees to final payment amount. I used to get montly bill for payment XXXX $ they charged XXXX $ and while i'm trying to purchase vehicle and called customer service around XX/XX/2019 got pay off quote for XXXX $ and customer service agent said that I need to pay any extra amount as my lease is ending on XX/XX/XXXX and I have Grace period of 10 days till XX/XX/2019 with out any extra fees I can return or purchase the vehicle. On XX/XX/2019 when dealer got pay off quote for purchase they increased to XXXX $ and says the previous quote is valid till XX/XX/XXXX. After talking to customer rep XXXX she says it is extra taxes and she disconnected my call and I called and connected to XXXX and he says it is interest rate charged for next month. He tries to argue I need to pay extra amount they can't do anything. Every representative gives different prespective for extra charged amount. They are fishy and they don't stand on words they speak on phone. Each representative has different context on extra billed amount.
Product: Checking or savings account

I've now filed with you the CFPB ABOUT THIS SITUATION MORE THAN SEVERAL TIMES TO NO AVAIL! IT APPEARS THAT THE CFPB IS COMPLICIT WITH THE FACT THAT JPMORGAN CHASE HAS INFACT STOLEN MY ENTIRE SAVINGS ACCOUNT! 

*** ON XXXX XXXX I AWOKE TO EMAILS STATING MY BANK ACCOUNT AT XXXX XXXX  ( OWNED BY JPMORGAN CHASE BANK ) WAS BEING CLOSED! NO REASONS WERE GIVEN OR FOUND TO BE OF ANY FAULT OF MY OWN IN REGARDS TO SAID CLOSURE! I HAVE SCREENSHOTS OF MY BALANCES AND IN ONE DAY IT WENT FTOM OVER XXXX XXXX DOWN TO XXXX XXXX THEN TOO XXXX! I ONLY RECEIVED A CHECK FOR A LITTLE OVER {$800.00} AND JPMORGAN ACTUALLY BLOCKED ME FROM CASHING IT OR DEPOSITING IT INTO MY XXXX BANK ACCOUNT! I HAD TO CALL AND YELL AT THEM AS THEY WERENT MY BANK THAT I KNEW OF AS I HAD MY ACCOUNTS AT XXXX XXXX! UNBEKNOWNST TOO ME JPMORGAN CHASE OWNS XXXX XXXX  WHICH IS WHY THE FINAL CHECK ( THEY STATED IT WAS THE FINAL CHECK ) WAS DRAWN BY JPMORGAN CHASE. IVE REPEATEDLY ASKED THEM WHERE MY SAVINGS IS, THEYVE REPEATEDLY LIED AS THEY DID ABOUT THE FRAUD ON MY ACCOUNT! THEY KEPT TELLING ME ALL LAST SUMMER THAT THEY COULDNT SEE THE MESSAGES THAT THE COMPUTER WAS SENDING ME IN THE APP ON MY PHONE,? MAKES NO SENSE BECAUSE THOSE MSGS LISTED TRANSACTIONS AND SHOWED THE BALANCES AFTER SAID TRANSACTIONS! HOW CAN ANY BANK STATE THAT THEY DONT SEE THE MONEY? THEN HOW ARE THEY A BANK!??? THEYRE LIARS! THEY CLOSED THE ACCOUNTS BECAUSE AS THEY ALSO STATED TO ME : " IF THIS ACCOUNT GETS CLOSED, WE DONT HAVE TO REPAY YOU FOR ANY FRAUD OR THEFT ON OR IN YOUR ACCOUNTS!!! THEN LAUGHED AND HUNG UP, THEN BLOCKED MY NUMBER SO I COULDNT CALL THEM! THE MONEY THEY STOLE WAS FOT MY FIRST HOME! ID LIKE IT BACK WITH INTEREST AND FEES FOR THE THEFT OF IT IN THE FIRST PLACE! THANK YOU! *** SO WE'RE CLEAR HERE AND THERES NO MORE PROBLENS*** I WANT CHARGES BROUGHT AGAINST JPMORGAN CHASE BANK ! *** THEYRE THE ONES WHO ISSUED THE CHECK FOR THE CLOSURE OF ACCOUNTS SO THEYRE RESPONSIBLE FOR IT!!!! ....
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acc. # XXXX XXXX XXXX XXXX Acc. # XXXX XXXX XXXX Acc. # XXXX XXXX XXXX Acc. # 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 a account without my written instructions