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

Dear CFPB, I am writing to formally raise a concern regarding inaccurate credit reporting by Ally Financial, which has been the subject of numerous disputes. Despite my repeated efforts to resolve this issue, the inaccurate information persists and continues to be verified incorrectly. 

Account Information : Account Name : Ally Financial Account Number : XXXX Disputed Information : Reporting of account status as repossession with an incorrect balance The account in question is consistently reported with a balance that is incorrect. This account was covered by gap insurance, which should have resulted in a XXXX balance upon settlement. Instead, the account is being reported as a repossession with an outstanding monthly balance, which is both inaccurate and misleading. 

This is also reporting with a monthly payment due of {$530.00}, which is also inaccurate considering the vehicle is charged off. 

I have previously disputed this account through the credit bureaus, but each time, it has been verified as accurate despite the evidence and documentation provided. The continual reporting of this inaccurate information is detrimental to my credit profile and financial well-being. 

I urgently request that the CFPB intervene in this matter. I demand the immediate removal of this account from my credit reports due to the persistent inaccuracies and the misleading nature of the information being reported. 
I would appreciate your prompt assistance in resolving this issue and ensuring that my credit report reflects accurate information. 

Thank you for your attention to this matter.
Product: Checking or savings account

Tonight on XX/XX/year> approximately at XXXXXXXX XXXX I deposited {$1000.00} into the Chase bank atm machine located at XXXX XXXX XXXX XXXX ca. XXXX and then the screen read a number to call to make sure my deposit went through. I need this to be showing in my checking account, in which its not. Please help me as soon as possible. I have to pay my rent on the first of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts DELETED as soon possible : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$1400.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$1900.00}
Product: Debt collection

Dear CFPB, I am writing to file a complaint regarding First Investors failure to provide me with a requested 1099-C Cancellation of Debt form for tax purposes.

I initially contacted First Investors on XXXX to request the form, but they have not provided it to me. This document is necessary for my tax filings, and their lack of response is causing unnecessary delays and complications. 

I would appreciate your assistance in addressing this matter and ensuring that First Investors fulfills their obligation to provide the 1099-C form. Please let me know if you need any additional information regarding my request. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
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. 

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

XXXX2022 
capital one auto fin
unauthorized inquiry

XXXX2022
XXXX XXXX XXXX
unauthorized inquiry XXXX/2022
XXXX XXXX XXXX  unauthorized inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX and XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies
Product: Credit card

I am currently locked out of my online account due to a recent online portal change TD enacted. I recently paid off my account and want to close it. 

I have been trying to get a hold of a representative and was on the line for XXXX hours XXXX minute before someone answered. I was away from my phone for a sec and they disconnected. They never attempted to call back. 

The online system does not give you the option to leave a callback request, there is no email, no chat function, no mailing address listed or anyone other option located online to reach the company. 

They do have a XXXX complaint number that I called. But they advised they could do nothing to help me, they do not have a contact number, email or mailing address they can provide for their USA peers. 

I have read other reviews that state the same concerns, waiting extremely long hold times or spending days trying to connect to a representative. How can the XXXX part have a complaint contact center that you can get a hold of someone immediately and the US not have any other option but holding for multiple hours? 

People have lives, a call can drop, they might need to get back to work. It is not feasible to ask people to wait multiple hours in the hopes of possibly getting connected to representatives.
Product: Credit card

On XX/XX/XXXX I reported a fraudulent charge on my cc by XXXX XXXX. This company patched into a call I made to XXXX XXXX when I was " on hold '' with XXXX and he represented himself as a XXXX reservations person. He lied and told me that the price had increased since I had made my reservation earlier that day. Later that day, I learned from XXXX that this was a lie. I notified Chase cc fraud dept. Chase credited back the charge on my statement. Chase advised me to close my cc account and get a new card in order to prevent any authorized charges. I considered the matter resolved. Two months later, a charge, NOT authorized by me, appeared on my new cc card statement. It was for the same amount that the XXXX XXXX fraudster had put on my account two months earlier. I called Chase Fraud Dept. They said I could re-open my complaint. I sent Chase documentation showing that I had made the original reservation and that XXXX had sent the original charge to my Chase Credit Card. The charge from XXXX XXXX was not removed from my next statement. Chase told me that the amount of time to settle a dispute had expired. I believe that it was unethical, even illegal, to charge my new credit card with the original disputed amount that I did not authorize a second time. Also Chase paid no attention to the fact that the Fraudster misrepresented himself and lied to me. Chase claims that I agreed to the charge so I must pay it. I say that Fraud is when someone misrepresents himself and lies to me in order to get money from me, that this is a classic example of Fraud. This claim is mostly about Chase placing a fraudulent charge on my new cc. It violated what it said would be protection for me.
Product: Credit card

Regarding XXXXXXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. 

Hi, I just spoke with the store manager to report an employee XXXX XXXXXXXX who gave me false information regarding the TJMaxx credit card. The store manager let me know that he would speak to this employee but I wanted to submit an official complaint. 

On XX/XX/XXXX I visited this location and when I went to pay for my purchase with my TJ Maxx credit card ( MC that can be used anywhere ) the store associate said that I had a very old outdated card and asked me if I wanted to upgrade to the newest " TJ maxx GOLD card that is an international card and can be used at any location and that I would get more points with it. '' However, she did not explain that it would be a new account, just that it would be an upgrade to my existing card. 

So I proceeded to go through opening a new account and she provided me with the temporary shopping pass. ( XXXX XXXX : XXXX ) When I contacted TJ Maxx customer service the representative confirmed that the card I already had ( opened in XXXX ) was the TJ Maxx MasterCard that can be used anywhere. Since I already had this, the one that i ended up opening on XX/XX/XXXX was a " in-store '' only credit card ( which resulted in an inquiry against my credit ). But the representative said that there is no difference in terms of points between the two cards. I went ahead and closed the account that I had opened with employee XXXX. I didn't get her name but I did provide this employee number to the store manager.

This store associate violated UDAAP by being deceptive regarding the card I owned and by not being clear that I was in fact, opening up a 2nd account. I also agreed because the store associate said I would " get more points '' with this new card.
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. Experian, XXXX, and XXXX XXXX, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you may be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address this issues. However, the credit reporting agencies have not adhered to federal trade commission ( FTC ) regulations, and have failed to correct these discrepancies. This noncompliance represents a clear infringement on my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid a collection account on my credit recently. The agreement was made that if I were to pay the same day with a payment of {$3000.00} on XX/XX/XXXX, the account would be brought to {$0.00} and removed from my credit reports. I have tried multiple times to contact the Collection company for a resolution to clear this as agreed upon yet no actions have been taken and I have been constantly ignored. I have attempted to dispute with the Credit Bureaus themselves, but I havent had much luck either. For a brief summary of the events, I was struggling financially in XXXX due to XXXX, XXXX, & work-hour reduction. Therefore, I seeked help from the City/Municipal office when they released a program for Relief on Rental Assistance due to XXXX ( XXXX ). It was expressed to me that everything would be addressed & handled. Unfortunately there was various forms of miscommunication, untimely responses, unqualified representatives, & unprofessionalism in between that led to the rent go unpaid for months & by the time I was properly notified, legal action was taken & expedited by the Apartment complex management and I had to leave on a very short notice. Never did I physically meet or speak with anyone by phone from the Apartment complex about the entire situation. ( The only communication had was by email & text once the situation was escalated. ) The account went into to Collections soon after, and was sitting there ever since until now, when I've been able to sort of recover economically. I am seeking to buy a home of my own now but this issue with this {$0.00} Collection Account on my Credit Reports is reflecting negatively, which also is affecting my progress. Its been a hard, long struggle, and I just want the Debt Collection/Creditor Company to do what we agreed upon & finally move on in our separate ways!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters and reporting constantly for almost an year now and this problem has not gotten fixed, XXXX XXXX XXXX is reporting on my credit profile and all information is inaccurate even with the very first letter i received from them their information is and was inaccurate and inaccurate information reported on the credit profile should be removed immediately and not replaced back on the credit profile. 

XXXX XXXX XXXX purchased debt from XXXX XXXX XXXX XXXX, A debt that has been reported to the IRS As a complete CHARGE-OFF, i was allowed out of my lease due to harmful mold as i have all emails to prove that statement and it will be attached to this complaint, I demand XXXX XXXX XXXX To be removed from my credit report Immediately and not be placed back as they are violating several consumer laws as i stated. i have already sent letters to validate and all came back inaccurate and not within the 30 day i had given credit bureau please remove NOW.
Product: Debt collection

The collection agency has received information from a dentist regarding an outstanding debt which does not belong to me.The collection agency was notified by me through an email, that the debt instead is owed by my son.Their response was the debt will be reduced, however, it does not address the fact that the debt is not mine and I did not cosign anything.The dentist office says its in the hands of the collection agency.
Product: Debt collection

Hameroff Law Firm, in XXXX, Arizona sued me for a debt less than XXXX dollars for collection. Before the lawsuit, they would call me at all hours of the day, leaving horrible messages and the few times I spoke to them, they left me in a state of panic. I explained the current circumstances at the time and how I could pay but they would not accept it, they wanted all the money at one time and immediately. Communication with them was absolutely terrifying and I was afraid to even answer the phone. 

Hameroff sued me, I went to the courthouse but it would cost me additional money to answer, money I did not have. I left messages to the company but they did not return my calls. 

I began working with XXXX to help restructure my debt and even they had a difficult time establishing any kind of worthwhile communication. Hammeroff, treated them the same way they were treating me. 

Eventually, they got a judgment against me and garnished my wages for close to {$300.00} dollars every two weeks - that is the equivalent of half my paycheck. 

The debt could have been paid in one payment, but rather, they penalized me with close to {$1200.00} in fees for a debt that was less than {$300.00} dollars. 

Hameroff Law Firm, made it impossible for me to reply in court, make arrangements for payment or work with me - rather it was abusive phone calls, threats and harassment. 

Thank you.
Product: Credit card

I pay my account in full every month and I am never late. However, I received a letter in XXXX 2015 that stated I had an unpaid balance. Unknown to me, I was set up on paperless billing and did not realize I had a balance due. Once I received the letter, I reached out to Sears and worked to resolve the problem and also paid the balance in full including late charges. 

The issue I am currently experiencing is that my credit report was dinged by a 30 day past due posting. My credit score took a significant drop. I reached out to Sears Cardmember Services via mail to request they contact the XXXX major credit reporting agencies to have this posting removed. They have refused. I feel this is the least they can due to their failure of disclosure when they changed the billing terms on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting actt the list of accounts below has my federally protected consumer rights to privacy and confidentiality under 15 Usc1681 XXXX XXXX account # XXXX in the amount of {$440.00} XXXX account XXXX XXXX amount {$510.00} XXXX XXXX  account # XXXX amount {$910.00} XXXX XXXX  account # XXXX amount {$20.00} XXXX XXXX XXXXXXXX account XXXX XXXX amount XXXX 15 U.s.c1681section 602A States I have the right to privacy.

15 U.S.C 1681 section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 US.C1681c. ( a ) ( 5 ) Section states : 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 antedatesnthe report by more than 7 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. I havent given any written instructions or consent
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 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. 

I DID NOT GIVE CONSENT OR INSTRUCTIONS, for XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX or consumer reporting agencys to put late payments on my consumer report, without my knowledge or instruction. 


DELETE or REMOVE, or update the account to never late/ paid on time! Immediately!
Product: Debt collection

I tried to look at Furniture through XXXX XXXX XXXX online XX/XX/XXXX. I wanted to see what the financing terms of furniture would be, so I completed the financing check online through American First Finance.

I was approved XX/XX/XXXX through American First Finance for a loan. I did not purchase ANYTHING through any furniture retailer online. I did not receive any money through American First Finance to my bank account. 

American First Finance began charging me for a loan of {XXXX}. I called them multiple times during the week of XX/XX/XXXX and XXXX, XXXX, regarding this loan. They told me the money would be deposited to my account and thats why I was to repay this amount. The money never came. I had to switch banks to get the automatic payments to stop. 

I just received a letter from XXXX XXXX XXXX for this fraudulent debt in the amount of {XXXX}, dated XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase from XXXXXXXX XXXX the catolog store. They sent wrong item, I notified the company that I was sending the item back to them, nothing was said or done at that point. then it took me 6 months to get them to rectify the records, they were charging me late charges and the whole shot. even after they had admitted to having the package I sent them they still would on rectify the issue. finally after I kid you not 6 months they finale admitted to the exchange and refunded my money.. after 6 month of a constant brash of phone calls and letters sent clear to the top of the organization.. I thought this was over now i see they are still destroying my credit record. My question is how can these people keep getting away with XXXX with people like this???? This is nothing short of criminal!!!!. Nothing on my credit record regarding this issue has been done since XXXX. explain that? and just try to get them to do something about it is a lost cause ... I am going out of my ever loving mind as to the XXXX XXXX they have pulled on me total run around every time I try to contact them regarding this issue. I need this removed from my record and any remanence of any more XXXX from these people stopped.
Product: Debt collection

According to the law section 809 of the FDCPA ; XXXX XXXX XXXX XXXX, XXXX, SC XXXX MUST provide a 'signed ' contract of myself doing business with their company and my obligation to pay them. this company HAS NOT PROVIDED this information to me. The above company has been given the allotted 30 days to provide this. THEY ARE VIOLATING MY FEDERAL RIGHTS and are subject to lawsuit. I want to file this complaint on this company for this. Please assist me in correcting this, as it is and has damaged my lifestyle and ability to gain and maintain employment.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions where settled with insufficient balances despite initially available funds. I l believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

USAA Closed account fraud activity on credit card XXXX + said they did n't want to do business any more card was used for withdraw transactions deposits were made a By a XXXX XXXX from a phone number XXXX
Product: Debt collection

This company this company is violating my rights. Ive disputed this account several times they they failed to validate the debt. It is messing up my credit report and my reputation as a shopper. Its destroying my shoppers report.