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

I have submitted multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

I have even blocked this companies number after they didnt stop but they then started calling from a different number
Product: Checking or savings account

Since XX/XX/year> current has allowed my money to be loaded to someone else 's XXXX XXXX and used. I have reported it, showed them police report, asked them not to allow money because I do not have a XXXX XXXX  acct and have not had one. They never refunded my money and have allowed charges ri be placed against my account thru someone's else 's account
Product: Vehicle loan or lease

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT Account # XXXX In accordance with 15 U.S.C. 1692c ( c ), I demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

: I recently requested my credit report from  XXXX   XXXX  and found that in  XXXX    XXXX   it was reported that I was 30 days late in paying my auto lease. I was not notified about this.     In researching what transpired at that time I remembered that US Bank notified me they had not received my  XXXX  payment. I immediately wrote a check #  XXXX  for  XXXX  and sent it to US Bank for the  XXXX  and  XXXX  payments. Two weeks later I inquired as to whether the payment had been received and was told it had not been received. I immediately stopped payment on this lost check an issued another check #  XXXX  for {$1300.00} for the  XXXX ,  XXXX  and  XXXX  payments which US Bank received.     I do not understand what went wrong with the payment process, but none of it was my fault. I had maintained auto leases  with US Bank for six years an d was never late on any payment I requested US Bank to remove this notation from my credit report. It has unfairly reduced my  credit score an d I would like it restored. They refused to correct this notation to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, 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
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate reporting and unresponsive customer service practices that have negatively impacted my credit report and overall experience as a consumer. 

The creditor has been incorrectly reporting a missed payment for XX/XX/year>. Despite my efforts to resolve this issue, including obtaining a XXXX statement directly from their website, which clearly shows no missed payments within a 59-day period, they have continued to report this erroneous information. I have also requested a detailed statement multiple times to clarify this issue, but only after repeated requests did they provide a statement. Upon reviewing it, I noted discrepancies that indicate information may have been fabricated. Also their employee mishandled my account and this is negligent! 

This inaccurate reporting has affected my credit score and financial standing and has caused undue stress and frustration. As a responsible consumer, I strive to maintain an accurate credit record, and this false reporting jeopardizes my financial credibility. Additionally, the failure to respond promptly and provide accurate information shows a lack of transparency and accountability on the part of the creditor. 

I ask that the CFPB assist in investigating this matter and hold the creditor accountable for correcting the inaccurate information on my credit report. I also request that they provide accurate documentation to support any claims they make regarding my payment history. Moreover, I seek assurances from the creditor that they will adhere to standard practices of transparency and accuracy in the future. 

Thank you for your assistance in this matter. I look forward to a resolution that rectifies this issue and prevents further inaccuracies in my credit report.
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX, and XXXX is reporting account transactions and my identifying information from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX without proper consent. I never gave any written consent to any of the companies for share, transfer, or sell my identifying information. 

All the companies actions have caused a breach and now my identifying information has been exposed. These actions constitute identity theft and criminal activity. 

I am taking the necessary actions to require that the companies cease furnishing and reporting my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry on my credit report was hard inquiry the companies told me they were soft inquiries and wont show on my credit report, This is not the case at all. I asking for all inquiry be removed from my credit reports immediately.
Product: Debt collection

XXXX XXXX XXXX and Americollect trying to collect a debt from a medical bill they charged to the wrong insurance and will not accept payment from correct insurance company. They will not remove the debt from my credit report and continue to attempt to collect the debt from me personally.
Product: Credit reporting or other personal consumer reports

DIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX To Whom it May Concern : This letter is sent regarding a negative remark placed on my credit report regarding account # XXXX Be advised this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed, and validation is requested. 

This is not a request for VERIFICATION or proof of my mailing address, BUT a request for ASSIGNMENT VALIDATION made pursuant to the above-named Title and Section. 

I respectfully request your office to provide me with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Copy of the original Assignment Contract with ( Full name, Address, Full SS # ) XXXX. Date assignment was transferred ; and the agreement with the creditor that authorizes you to collect on this alleged debt. 
XXXX. The Completed and Executed agreement bearing my signature stating that I have agreed to assume the debt. 
XXXX. Complete payment history, valid copies of the debt agreement stating the amount of the debt and interest and all additional charges being assessed. 
XXXX. Proof that the Statute of Limitations has not expired. 
XXXX. Proof that you are licensed to collect in my state ; and XXXX. Your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Experian, or XXXX ), this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for attorney fees should I be forced to bring this matter before a judge.
Product: Money transfer, virtual currency, or money service

I fell into a common art scam An email was sent to me, interested in my art, client wishes to purchase a framed painting for XXXX USD Client sent a check directly to me, saying that he needs to be discreet, send XXXX USD check instead of XXXX, once inquired he says that an agent needs to pick it up and deliver for XXXX USD Foolishly sent XXXX USD to XXXX after being rushed by the agent The check XXXX  USD bounced out of the bank account Robbed of XXXX USD XXXX XXXX XXXX turns out I fell into a common scam
Product: Debt collection

the following is a copy of the summary letter submitted to the collection agency : XX/XX/2018 VIA CERTIFIED MAILING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Creditor : XXXX XXXX of XXXX/XXXX Hospital Disputed amount owed {$260.00} Patient : XXXX XXXX XXXX To Whom It May Concern : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. This debt was paid directly to XXXX XXXX of XXXX on XX/XX/2018. 

Please allow this to also service as notice that have filed a complaint with the Federal Trade Commission/Consumer Financial Protection Bureau ( CFPB ) due to unethical and potentially fraudulent business practices by XXXX XXXX and XXXX XXXX XXXX/Hollis Cobb. Based on activities by both entities, it appears they are attempting to collect twice on the same account. Please refer to the following summary of events : XXXXreceived final notice from XXXX XXXX of XXXX. The notice was dated XX/XX/2018 and indicated Due DateUpon Receipt. 

XX/XX/2018payment made directly to XXXX XXXX of XXXX for {$260.00}. Confirmation number for payment : XXXX XX/XX/2018received call from XXXX XXXX XXXX regarding the alleged debt. I explained to the representative that this was not a valid debt. I provided the payment confirmation number but the representative stated it was not a valid payment since I did not pay them directly. 

XXXXspoke with XXXX from XXXX XXXX of XXXX. She advised that she would send request to have account pulled from XXXX XXXX XXXX. 

XX/XX/2018XXXX from XXXX XXXX of XXXX advised that my account would update automatically and this would resolve the issue with XXXX XXXX XXXX XX/XX/2018received missed call from XXXX XXXX XXXX. Returned the call to them. At that time, explained again that I paid the original creditor. The representative was aggressive during the call requesting payment. At that time, I explained that under FCRA they are to provide written notice to me and allow me the opportunity to dispute the validity of the debt. I also requested that per the FCRA, no other calls be made to me from XXXX XXXX XXXX XXXXreceived notice from XXXX XXXX XXXX. The letter is dated XX/XX/2018 but not received for over 2-weeks. XXXX XXXX XXXX initial contact with me was on XX/XX/2018. I believe this is an unethical delay in complying with my rights under the FCRA guidelines. 

XX/XX/2018 -- XXXX XXXX XXXX still shows this amount due which is incorrect and XXXX XXXX of XXXX Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complain with XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, XXXX consistently responds within XXXX hours statin the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof for investigation within 30 days or my account be permanently removed from all credit reports. I am requesting ( 1 ) a copy the original contract with signature, ( 2 ) a copy of the payment history, ( 3 ) the name and address of the original creditor, ( 4 ) proof of collection authorization from the following collection agencies : Franklin Collection SV, XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Disappointing Service and My opinion not worth the {$95.00} per year. 
I found Chase XXXX rewards membership is misleading in couple of counts. 
I booked my hotel via Chase website. But they are not adding the hotel loyalty number despite the fact that they do not pass the information on to the hotel group. 
When I signed up I was looking for a good travel card where I can optimize my hotel loyalty membership. During my research I found that Chase has flexibility with Hotel reward membership, at least thats what they want people to believe. 

Now when I signed up I found that it is totally misleading. The hotels reservations you make through Chase ; you can not add your loyalty membership. Although they ask you to enter it while booking making you believe that your loyalty membership is considered. Possibly to make the customer feel that they will get their hotel membership privileges. Preveleges like late checkouts, free breakfast etc wont be available which Otherwise would have been available. 

When you call customer service they ask us to call the hotel directly to make them add your loyalty number. Again misleading customer to get off the phone and just try to 'escape ' the call.
Product: Vehicle loan or lease

I recently bought my car at the end of my lease with Ally. The buyout amount was {$19000.00}. I took out an auto loan with my credit union for {$20000.00}. A check for {$20000.00} from my credit union was mailed by me and received by Ally on XX/XX/2021. Since then, I have not received the title of my car for me to send to my credit union, nor have I received a refund for the overpayment of {$1200.00}. I have contacted Ally 's lease-end department several times and have been told that the 'buyout department ' is slow to respond and is not responsive to their colleague 's attempts to reach out. I made it clear that filing a complaint with the CFPB was my next course of action.
Product: Credit card or prepaid card

I purchased hotel lodging through XXXX. 

The email I received from XXXX DOES allow me to change or cancel my booking, at a price. 

I COULD NOT REACH THEM. You ( Citi ) admitted you still can not reach them. 

Please see below for an excerpt of the email I received which I am happy to provide in total : Cancellation Policy Double ( 2 Double Beds ) Superior Lake View If you change or cancel your booking between XX/XX/2020 XXXX XXXX and XX/XX/2020 XXXX XXXX, you will be charged a fee of US {$750.00}
Product: Credit card or prepaid card

I've been a loyal customer with Chase Bank since XXXX. In XXXX I opened a credit card account with them, XXXX XXXX XXXX. I've paid on time every month since then. Except in recent months they've started charging me what seems to be a very high interest rate, fees for a XXXX XXXX and anything else they can think of plus what are now late fees because the fees they are charging have become too high for me to afford. I've called them two times in an attempt to get me on a payment plan to bring the account current and continue to pay off my debt. You know the kind of things a responsible consumer would do. I offered to get a loan from a relative to get caught up and they rejected me. I have had my hours cut at work, resulting in a loss of income. I am a single parent trying to do the right thing here. Chase is unwilling to assist the customers who have kept them in business for many years. I do not think the fees they are charging are even legal or allowed per law. I do not agree that they could charge me a cash transaction fee for a XXXX XXXX paid with my credit card. Complete unfairness!!!! I would ask that your agency review their business practices as I plan to challenge them in any way possible. I've attached the latest credit card statement for your review. I hope you will help me. 

Further, as to my checking account, I called to have my debt card replaced because the magnetic strip was worn out. I never received. After a month, I called to follow up and they said they would send another card out. What they did not tell me is they were going to CLOSE OUT the card in my possession. This is my main checking account. I did not find out my card was useless until I went to purchase groceries and my card was declined, the same day. When I called them to find out the issue that is when they informed me of what they'd done. I was unable to buy food for my child that day and for several days later I had no access to my funds because at the time I was out of state and they do not have branches there. They caused several interruptions to auto-debit payments that were linked to that card causing the payments to bounce or be declined, giving me a bad name. They have caused me tremendous grief, inconvenience and outrage. I demand JUSTICE
Product: Vehicle loan or lease

I have called and asked for help before I got behind and was told " there is nothing we can do due to you already receiving help and us only being able to provide you with assistance once during the lifetime of your loan ''. I ended up getting behind and when I called again, was told that they can't help me because I was behind, but had I called before getting behind they could have helped to prevent me getting behind. I am getting calls multiple times a day back to back ( either seconds or minutes apart ) or late at night. One call was at XXXX and I was in the process of getting my XXXX year old to sleep. I am upset because one minute they can't help and someone else said they could within days apart. I was also told that had I called in before getting behind, they could have offered to try refinancing my auto loan yet was never told anything about refinancing behind an option.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Mechanics Bank XXXX XXXX on XX/XX/202. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Mechanics Bank XXXX XXXX took cash. Mechanic Bank XXXX XXXX did not disclose my Right to Rescission in the contract which they should have pursuant to 15 USC 1635.
Product: Money transfer, virtual currency, or money service

I've requested full transaction history under current cash tag, $ XXXX, as well as prior cash tags via email to XXXX, rep with Cash APP, no information provided.. The rep requested current cash tag, email address, mailing address, all of which were provided, nothing received back. I do not have prior cash tags available, however, my email address as well as mailing addresses were provided. The information including full transaction history is required in order to locate fraud transactions which cash app will not resolve in obtaining funds back. The transactions in question were reported to cash app, their extent to investigating includes requesting money returned from receiver, once denied, cash app does nothing further..
Product: Debt collection

Discover Credit Card ; Date Opened : XX/XX/2015 Amount : {$1100.00} Action Taken By Me : Police Report Filed, No Action Taken By Company
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Dispute of Account with XXXX XXXX XXXX I am writing to formally dispute the accuracy of the account reported under XXXX XXXX XXXX on my credit report. The account details as reported are inconsistent and inaccurate. 
The account is stated to have been opened on XX/XX/XXXX, and it further states that it was first delinquent on XX/XX/XXXX. This timeline is illogical, as an account can not have a delinquency period before being open for a year. 
Additionally, I believe this account is more than 7 years old, which would make it eligible for removal under the Fair Credit Reporting Act ( FCRA ). Per FCRA Section 605 ( a ), negative information should not be reported beyond the 7-year limit. 
I kindly request a thorough investigation into this matter and immediate removal of this account from my credit report. Please provide written confirmation once this issue is resolved. 
If you require additional information to assist with your investigation, please let me know promptly. 
Thank you for your attention to this matter. I look forward to your timely resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are recent credit inquiries that I did not authorize XXXX XXXX - 2 times in one day. This is not correct. 

I am not sure what these 2 companies are but I have not filled out any applications for an apartment nor am I looking for an apartment. I live in XXXX Ohio not wherever these came from XXXX XXXX  XXXX  XXXX  XXXX