23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : US DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

My complaint relates to the final payment practices for GM Financial. Their website allows for automatic payments from a bank account. However, for the final payoff amount, they force consumers to request a quote, print off the quote with the expiration date on it, and mail a check or money order to their offices. While I understand why this practice was necessary 10 years ago, GM financial clearly has the ability to process a final payment immediately. The unnecessary and convoluted process allows GM Financial to collect an additional 10 days to two weeks worth of interest on an account that would otherwise be paid off. This is a systemic issue and I believe it to be an unfair and deceptive practice. A few weeks worth of interest may not seem to be a significant problem, however, when it is compounded over tens if not hundreds of thousands of loans it amounts to significant consumer harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; PA XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX XXXX  XXXX Balance Owed : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX services has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX services under Account # 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: Debt collection

On XX/XX/21 at approximately XXXX am I was contacted by a XXXX from a phone number that is unlisted. XXXX went through the usual dialogue with collection that is required by law and informed me of a debt that was owed. 

When he completed the dialogue I requested that I only be informed by mail, no more phone calls. XXXX XXXX stated that a letter was already sent and said an address quickly. ( Not even confirming mailing address. ) When I again requested that I be informed by mail and no phone calls he got angry and stated " I'll document refusal to pay and mark this delinquent. '' When I tried to state that I wasn't refusing to pay he started talking over me and then proceeded to hang up on me. 

I tried to call back 3 times from my cell phone to rectify the situation in which XXXX kept forwarding my phone to voice-mail after one ring. 

I had to call back on my husband 's phone. ( XXXX am ) When answered he said " why do you keep calling back ma'am? '' I asked why he was hanging up on me and he stated " basically you're not gon na pay back your debt. '' I corrected him and was stating I wanted him to make note on my account. He further stated that I was not going to pay my debt. ( He then stated that he was on a recorded linel He also stated in the conversation " I'm not required to be professional. I'm just required to do my job " further discussion entailed with me asking why I was hung up on and if he notated my account which I did not get an answer. When I asked what company he worked for he stated " have a good day. '' The only reason why I figured out which company is by remembering he said XXXX in the first call and I had to XXXX search to find the company in my area and found the real phone number to the company. I called and spoke with a secretary at XXXX at phone number XXXX confirming that a mr.kelsey works there, when asked if he is in a supervisor position I was informed he was and that the other supervisors are out until after XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : name : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection/Charge Off XXXX XXXX XXXX XX/XX/XXXX {$9500.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX A XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXX A XXXX XX/XX/XXXX {$8200.00} XXXX XXXX XX/XX/XXXX {$8200.00} - Duplicate Copy XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$5700.00} Credit Inquiries XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I sent money on 14 separate occasions. All but 3 of the transactions were fine. During the 3 errant transactions the money was sent to the wrong person. I sent a request to the persons first to get the money back. When that wouldnt work I contacted XXXX XXXXXXXX XXXX ( who I was banking with at the time ) and Zelle. Neither institution would help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, XXXX & TransUnion 609 dispute letter on XX/XX/19 stating : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' - I received mail from XXXX XX/XX/19 stating account " Remains '' & account " Updated '' and they did NOT provide anything I asked in the letter. I would like all accounts listed in the letter to be deleted please. 
- I received mail from XXXX XX/XX/19 and ALL accounts were deleted. Thank You. 
- I received mail from TransUnion XX/XX/19 stating all account were " updated '' with out any proof of anything I asked in the letter. I would like all accounts I listed in the letter to be deleted please. 

I asked for specific items to be DELETED since they have not provided any proof with my wet ink signature or able to verify any accounts as mine. 

All letters were notarized and sent certified mail so I have proof. 

Please help me en-force as this has dramatically effected my families freedom.
Product: Checking or savings account

I opened an account with Wells Fargo XXXX with XXXX dollars on XX/XX/year> XXXX $ was withdrawn from my account leaving me minus XXXX $ on XX/XX/year> XXXX $ was deposited leaving my balance at XXXX $ so the money was withdrawn before it was deposited I believe there own bank statements show this activity. Then on XX/XX/year> XXXX $ was withdrawn at the time my balance was XXXX $ on XX/XX/year> XXXX $ was deposited leaving my balance at XXXX $ these withdrawals were both done just before a deposit was due and before I would have had access to the money I only have access on a certain day of the month and /or week and the withdrawals were made 1 or two day 's before my access day
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

XXXX XXXX has shared my personal illegally with the scam company Johnson Mark without notifying me of selling my information. Johnson Mark has also obtained my current address illegally. I have not disclosed my personal address to anyone so, again with the privacy violations. This debt isn't even mine. I have researched Johnson Mark in my state and they don't even have a collection license. XXXX XXXX has also shared my personal information with attornys in the area. I have received several law agencies contact me in regards to debts that are only specific to XXXX XXXX. What kind of XXXX  are they running? Create a XXXX make up an account and start collecting without any kind of contract or agreement. Where is all of this proof the account is mine if it's mine? You will have contract signatures, signatures on receipts, if you send a letter of notification that you are selling someone's information a delivery receipt from the USPS would prove that. They haven't been able to prove anything except they want to steal money. Now, I have to deal with a scam company like Johnson Mark which has a website with no information that could've been made by a XXXX XXXX XXXX. No reference to a collection or law license. Just a portal to take your money. The phone numbers on their website don't work.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I was charged by XXXX XXXX XXXX for life Insurance that I did not authorize which was {$72.00}. I requested a dispute with my Chase Debit card. Chase stated that the company XXXX XXXX XXXX stated that they would not refund my money because I cancelled too late. I was charged on XX/XX/2018 and XX/XX/2018 in the amount of {$36.00} each for a grand total {$72.00}. I did not discover these charges on my credit card until XX/XX/2018. So, I then filed a dispute with Chase and was told that XXXX XXXX XXXX denied my refund. Then on XX/XX/2018 Chase stated that they could not dispute the charges, and that it was out of their hands. However, Chase did dispute the charges in XX/XX/2018. Then Chase denied the dispute a few weeks ago without informing me as to why. I'm not sure what is going on as to why Chase has refused to dispute my charges.
Product: Debt collection

I received a letter from P & B Capital Group , LLC regarding a debt in which they say is mine but can not prove. So I sent a certified letter declaring that they cease all communication. I inserted the letter below. And still they keep calling me asking me about this matter. They also reported it to the credit bureaus. They are in strict violation here and have to remove any information from my credit reports and stop harassing me over the phone. 

Letter sent to the Company in question ; XX/XX/2018 P & B Capital Group , LLC XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : [ File # ***** ] To Whom It May Concern : I am writing to request that you stop communications with me in accordance with my rights under the Federal Fair Debt Collection Practices Act, as well as other federal and District of Columbia laws and/or New York State laws.

Please be aware that, I am judgement proof, my income is free and exempt from distraint, attachment, levy, or seizure and sale on execution or decree of any court in the District of Columbia and/or New York State because it is from : Social  Security ( XXXX/SSI ) I request that you cease all written and verbal communication with me. I am aware that if you continue to contact me after receiving this letter, it is harassment in violation of the FDCPA. I may contact legal counsel if you violate my FDCPA rights. This letter is not meant in any way to be an acknowledgment that I owe this money. A certified letter will follow this letter. Thank you for your cooperation. 

Respectfully submitted,
Product: Checking or savings account

I received a text message from Chase Bank letting me know that they were preparing a wire to go out from my checking account. I immediately called and let them know I didn't request a wire from my c/a I to stop the the wire/pull back the wire ( I know you can do this as I work in mortgage lending/banking ) They transferred me to the department that prepares wires and they insisted that I requested it. I said I did not and do not send it. This went on for 45 minutes, when they finally sent me to the wire department and I spoke with XXXX. He told me that he would not to check into it and call me back. He called me back and said it met the criteria and it would be sent. They didn't send it till XX/XX/year> when I called him back I asked to whom it was sent to? He said XXXX XXXX XXXX in Pa, which was a Chase account. I don't know any one in Pa. He indicated that Chase requested the money back but, were waiting for their response. They never got back to Chase and they would send it to the wire department to investigate. I received a letter 2-3 weeks later thru the mobile app and said they found I requested the wire. I have been trying to get my money back from Chase and to no avail. I believe they were complicit with this wire fraud. 
I have gone into the local branch in XXXX, Utah and spoke to the branch manager, XXXX XXXX, XXXX and she sent a report the wire department and they would get back to her. It was 9 days later and she called me to tell me that they received request to investigate and they would be calling me in the next few days and it would come from the prefix number of XXXX which would come from XXXX. I never received a call. I contacted XXXX to let her know that I never received a call. She called me to let me know I would receive something soon from Chase. I received a notice on the mobile app stating that they found it to be that I did request the wire. I'm so frustrated as this has been a financial burden to me. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX B XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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