23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an XXXX done XX/XX/2017 at a contracted facility ( XXXX XXXX ) with my medical provider XXXX XXXX XXXX and in order to process/pay this claim XXXX requested additional information which was never provided to them ( which is a requirement per their contract with them ) Also since the claim was over due it should have been put as a provider write off. 


This collection has brought down my credit score from XXXX to XXXX therefore I am unable to refinance my home to get a better rate.
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. 

Account name : XXXX XXXX XXXX, Account name : # 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 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.
Product: Checking or savings account

XXXX Ally, i am having an awful customer experience so far with Ally bank. 

i had fraud occur on my first debit card and i saw sent a new card, upon trying to activate this card with the automated system i was greeted with the message " You have reached the maximum allowed attempts, please contact your bank. '' i then called Ally to activate my card just fine but now the XXXX issue shows up, i can not set my own PIN, i tried contacting customer service and was told i have to wait XXXX days for a PIN change request? which makes no sense. 

I just transferred XXXX in my account and upon learning i can not use my card because the PIN setup issue, i wanted to do an XXXX  from Ally ( Started the ach transfer from the receiving Bank ) to my XXXX  XXXX XXXX, everything linked fine,. i started the transfer through XXXX and now my Ally bank account is showing as locked. 

i cant even get my account number because my account was just locked up. 

Change Pin Request # : XXXX never have any issues with my account being blocked or locked in the past but now after this complete headache involving calling in to try and get my pin setup or anything helpful, my account has been locked for whatever reason, this entire experience has been off putting and i almost never want to leave cash in my Ally bank after this. i dont trust my account to not get locked for the slightest reason. 

I JUST WANT TO SETUP MY PIN AND UNLOCK MY ACCOUNT AT THIS POINT
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE INQUIRY LETTER OF DELETION NOT PROVIDED ACCOUNTS DONT EXIST!! 
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last four of my SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Disputed by Consumer. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear XXXX XXXX XXXX XXXX XXXX, TX Disputed by Consumer. 1-5 days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
( Ally Financial ) Hard Inquiry. On Report number XXXX Reason : On my credit report I went to Off Lease Only and was told specifically that one one hard inquiry would be on my credit report. However there are multiple inaccurate reports of credit pulled that I didnt authorize. I reached out to The legal department of Off Lease Only and they will investigate because that should have never happened. Therefore this is a result of fraud and miscommunication. I filed a FTC report today. Listing the negligence on XXXX company for not fixing these when I had an agent on the phone. The burden of proof is not belong to me. Im the Consumer who is suffering because of your negligence.. 
You are supposed to investigate and report back to me ONLY BY mail correspondence the results of your finding. Tell me how can you do an investigation and verify it is accurate. Did you get a copy of my signed verification that I wanted Ally Financial to provide me a car loan?. How do you verify through email. Can you provide to me your source so I can also dispute with them as well? ARE YOU FAMILIAR WITH SOMETHING CALLED 15 USC sec 1681i ( a )? I heard that if you can not provide proof these accounts must be deleted. Well I want these 2 accounts deleted if they are not 100 % right and correct. So could you please check on these and get back to me? 

On XXXX of XXXX. I spoke with your fraud department who told me it was my responsibility to contact each company that has pulled my credit file. I did contact directly Ally Financial and asked if they will remove the negative item and inquiry from my credit report by letter or by phone. 
Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I called them 5 times XXXX XXXX XXXX. They said NO ACCOUNT FOUND? They can not write me a letter of deletion since they dont even know who I am? 
Awaiting your prompt response FTC report number included with this letter. Try not to lose it like you did the last one I sent you certified mail. Unable to obtain a Deletion Letter from Ally Financial No Account found via My social security number. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexisnexis via certified mail XXXX to verify a bankruptcy they have reported on my report. I asked for the method of verification when they replied it says it was verified but doesnt tell me how or by whom it was verified by. I have since sent another letter on XXXX via regular mail and received a letter saying that I couldnt submit the same dispute I called and left spoke to someone and she said Id receive a call by Mon and I did not. I simply want a method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX Acct # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Acct XXXX XXXX, 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 a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

I ordered some parts online from a seller that was representing another company, they asked me to sent a copy of the payment and I did, the main company confirmed my payment in an email and stated my items would be shipped out that day, this was XX/XX/2023. all attempts to contact seller or company have failed. I filed a complaint with Capital one, the credit card I used, and they had me send all the docs I had. they came back with the answer that the company said I received my items and were as described. I contacted Capital one and informed them that I have not been able to contact the company so how have they been able to make contact? They did not answer the question but asked me to send all other docs that I had showing that in fact placed and order and got a reply about shipment. Capital one has come back with the answer that my complaint was denied since I did not send them the right docs. I sent them all I have and am still unable to contact the company and really doubt that Capital one has either. The items I ordered were the brass shells for an antique rifle and paid through XXXX and the company is XXXX. When I try the sportsmansreloads online chat they say they are busy and will be right with me, then I receive a note that says they are so busy that I should leave my email address and they will contact me, I have yet to receive anything from them. Neither company has an address or phone number and still Capital one will not refund my {$190.00} even though they even said they company hasn't proved the items were shipped because no tracking number was provided. I have spent hours talking online and on the phone to Capital one and I believe they don't intend to refund my monies. I need your help
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Bank account or service

I opened an account with USBANK only to retrieve cashers ' checks to move into my new place from Oregon to XXXX XXXX Nevada. I opened the account with {$50.00}. The personal banker XXXX XXXX on XXXX XXXX XXXX XXXX never read a disclosure or informed me that a hard inquiry on my credit was going to be pulled. I signed some electric pin pad that I assumed was just to sign for the checking account. XXXX points were taken from my FICO score. Since opening the account, I have learned that I have a checking and savings account with a secure credit line, and there is a {$6.00} fee per month that was never disclosed to me until my husband was put on the account. I NEVER asked for these services, I wanted a simple checking account to get cashiers ' checks from my main online bank that I do business with. This account was supposed to be mainly for my husband on the account, for when he moved here. I called XXXX XXXX 2 times to explain the situation, with no follow up. He stated he would talk with the branch manager. I called XXXX other times and left messages with no result. All I want to do is close my account. All that should have been checked is XXXX ; my credit should never have been pulled. I feel I was tricked and deceived. I filed a complaint on the wrong bank previously. My mistake it is USBANK. I received a call from a XXXX whom stated it would filed, yet I have received no future response stating my credit has been cleared up with the Credit Bureaus. the only thing that was resolved is the credit line is gone. I need my credit reports to reflect I have all my points back with no Inquiry from USBANK.
Product: Credit reporting or other personal consumer reports

There are several inaccurate information on my consumer report regarding the following account number XXXX. The first major inaccuracy is that the account numbers do NOT match up. Both XXXX and Transunion are showing the above account number however, XXXX has been changing the account number on a monthly basis. This month the account number is XXXX and previously it was XXXX when the true account number is XXXX. This is a huge violation of the Fair Credit Reporting Act. The second inaccurate information about this account is the late payment that were reported when I was never late. Pursuant to the exclusion section of the Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, Late payments ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. This is an experience of mine that can not be reported as it violates this section of the act. Additionally pursuant to 15 U.S. Code 1666b a credit may NOT treat any payment on an open end consumer credit plan as late.
Product: Student loan

I began submitting paperwork for pslf in XX/XX/XXXX. I was told that while my loan transferred from Ed financial to XXXX my loan would be put into administrative forbearance ( which didn't happen until maybe XX/XX/XXXX ). My loan was transferred from XXXX financial to XXXX on XX/XX/XXXX, but I was not informed. I had already scheduled a XXXX $ payment to be withdrawn from my account on XX/XX/XXXX, which is my typical due date with Ed financial. In early XXXX, I started getting notifications from XXXX that my loan payment was overdue. I started calling Ed financial to try to get the payment transferred. They told me I needed to go to XXXX. Between the two companies and dozens on calls, someone finally told me that although the companies can transfer loans between, they can not transfer payments. In addition to the emails I've attached there have been dozens of calls to both companies ( XXXX recently took a regular payment and an extra payment out of my account, which overdrew my checking account ). 

My issue is with Ed financial and their inability to trace my XXXX $ payment, which was withdrawn from my account on XX/XX/XXXX. I have sent them a copy of my bank account showing this withdrawal, and this is all of the evidence I have, because again, my account with Ed financial has been closed since they sold the loan. This also makes trying to call to get assistance with this issue a nightmare. They are blatantly avoiding me and have been unwilling and unable to refund my payment, while interest accrues on my loans.
Product: Checking or savings account

I am writing to formally demand that ChexSystems , Inc. immediately remove all adverse information related to my credit history as it pertains to my status as a survivor of XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 605 ( c ), ChexSystems is legally required to remove any adverse information from the credit report of a consumer when that information is connected to XXXX XXXX XXXX XXXX XXXX. Despite my provision of the required documentation, ChexSystems has failed to comply with federal law. 

The FCRA 605 ( c ) ( 1 ) explicitly states that no consumer reporting agency may report adverse information resulting from XXXX XXXX XXXX XXXX XXXX This law was enacted to protect survivors from further harm and discrimination. I have provided sufficient documentation proving my status as a XXXX survivor and therefore have fully met the legal requirements under FCRA 605 ( c ) ( 2 ). 

Case law, such as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX has further affirmed that consumer reporting agencies ' failure to comply with this statute constitutes a violation of federal law and subjects them to liability under 1681n and 1681o for willful or negligent non-compliance. ChexSystems ' continued refusal to remove this information is not only unlawful but also constitutes willful negligence under the FCRA, causing significant damage to my financial standing. 

I demand immediate action to permanently remove this adverse information from my ChexSystems report. Failure to comply will leave me with no alternative but to pursue all legal remedies available under the FCRA, including statutory and actual damages, as well as recovery of attorneys fees for your violation of my rights as a XXXX  survivor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  , AND XXXX/XX/XX/XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} Million as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G St NW, Washington , DC 20552, Subject : Dispute Regarding Inaccurate Reporting of Account with XXXX XXXX ( Account Number : XXXX ) and Lack of Response from Experian Dear CFPB, I am writing to formally dispute the accuracy of the information reported regarding an account with XXXX XXXX, as listed on my credit report. The account details are as follows : Account Number : XXXX Account Status : Closed Balance Reported : {$370.00} Past Due Amount : {$370.00} ( as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Consumer Statement : ITEM IN DISPUTE BY statement CONSUMER I would like to clarify that I have no record or knowledge of this account and believe it to be reported inaccurately. The reported information, including the account status, balance, and past due amount, does not correspond to any financial dealings or obligations I have with XXXX XXXX XXXX 

Additionally, I wish to inform you that I previously sent a dispute notice to Experian regarding this account, requesting validation of the debt and accuracy of the reported information. However, Experian has not responded with a dispute result within the mandated 30-day period. 

I request that the Consumer Financial Protection Bureau not only conduct a thorough investigation into the accuracy and validity of this reported account information with XXXX XXXX but also address the lack of response from Experian regarding my dispute. 

Specifically, I request the following actions : 1. Verify the existence and legitimacy of the account with XXXX XXXX, including confirmation of the account holder 's identity. 
2. Review the reported account status, balance, and past due amount for accuracy and provide detailed documentation supporting these figures. 
XXXX. Investigate any potential violations of the Fair Credit Reporting Act ( FCRA ) related to the lack of response from Experian and ensure compliance with dispute resolution timelines. 
4. XX/XX/XXXX & XX/XX/XXXX dont have Payment History data being reported as mandated by the FCRA all information must be COMPLETE!!! 
XXXX. What is the complete account #? 

I request that you provide me with updates on the progress of your investigation and any findings or resolutions within a reasonable timeframe. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough and fair investigation to resolve this dispute and address the lack of response from Experian. 

Sincerely, XXXX XXXX
Product: Prepaid card

I HAD NOT BEEN PAID ON TIME FROM XXXX AND I HAD BEEN CHARGED OUTRAGEOUS FEES BY AMEX SERVE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

I contact Equifax several times regarding a reported collections XXXX XXXX XXXX. I have sent them a police report and they do not remove the collection account.