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

LexisNexis- is reporting public record on my consumer report ( s ) without my consent. So I'm electing to opt out of any & all authorization of reporting any records pertaining to me. that I the consumer may have given you, either in writing, non-written or verbal or non -verbal per 15 USC 6802 & 16 CFR 313.7. This is effective immediately and indefinitely. 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 313.8 Revised privacy notices. ( a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 313.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( 4 ) the consumer does not opt out. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Checking or savings account

On XXXX XXXX i received a flyer to my address from XXXX with the advertisement of XXXX $ bonus offer for opening a checking account after completing XXXX $ recurring direct deposits with in 60 days of the account opening. 
The flyer did not mention what qualifies as direct deposit anywhere, and US bank has failed to send me the proof that they did communicate to me the specifics of what qualifies as direct deposits when i called them about the bonus at the time of account opening. 

I opened my Us bank checking account around XXXX/XXXX/XXXX and I completed XXXX $ recurring direct deposits requirements on the following dates. On XXXX/XXXX/XXXX for the amount of XXXX XXXX and on XXXX/XXXX/XXXX for the amount of XXXX $ and on XXXX/XXXX/XXXX for the amount of XXXX $ and I emailed Us bank asking about about the bonus. 
Someone named XXXX from us bank customer service confirmed that the bonus code was attached to my account and asked me send a copy of the flyer, which i scanned and uploaded. After few days i again emailed her asking for the update, this time she said that she received the copy of the flyer targetted to my address but my account needs to be reviewed by a senior banker for the bonus. 

A week after my initial email they got back to me saying they can not give me bonus because i have not made 'qualifying direct deposits '. 

I did what XXXX advertised nothing less. If they did not specify on the flyer what qualifies for them as direct deposit then its indeed false advertising and fraud. 

I bank with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX they consider my direct deposits as qualifying therefore i was confident my direct deposits qualify here as well but Us bank not only 'omitted ' specifying what qualifies as direct deposit on their flyer, they also are refusing to furnish proof that they communicated this to me at the time of account opening. 
I feel therefore i am eligible for the bonus that was advertised on the flyer that was targetted to my address and I humbly request CFPB to act on my behalf in helping me obtain the Bonus from US BANK for completing the requirements as specified on the flyer that i i received from US BANK. I have attached with this complaint the following pdf documents.
1. Copy of the flyer front and back with the terms and details.
2. My us bank direct deposits transaction history showing my 3 direct deposits above XXXX {$3.00} my correspondence with XXXX from us  bank customer service department. 

Please do the needful Thank you XXXX XXXX XXXX
Product: Debt collection

I received a call today from a debt collector in regards to an account that is associated with my dental treatment back in XXXX of 2023. The information that was discussed with the debt collector company is associating me to an account that I do not recognize at all. The account is from the same company, XXXX and I did had an account with them associated with my medical treatment and that was paid off since XX/XX/2023. The account number that the debt collector has is not the same account number with the one I officially paid for. I did also found out that the email that is associated to this debt account is not mine and is not ever associated to me in anyway. I called the dental office to see if I still owe anything from them and so far they confirmed to me I have a {$0.00} balance and my email is not the same email that is associated to this debt account from the debt collector. I have evidence from XXXX that they kept charging after I officially paid off my account and I contacted them about the charges that was done after XX/XX/2023 and obviously they were not help and they informed me to call my bank to " take of the issue '' even though the payments are coming from them. So I made a dispute to my bank and changed my card and got refunded from the charges from XXXX.
Product: Vehicle loan or lease

I purchased a truck at a local dealership on XX/XX/2022 and dealership obtained financing for me through Truist. Afterwards, found out it was financially better to go through the bank I work for - interest rate would be lower. I had to give it a couple of weeks for Truist to book the loan. Finally on XX/XX/2022 I was able to refinance through my bank, a cashier 's check was issued and sent via XXXX XXXX  that same day. Truist received the check on XX/XX/2022, it was signed for by XXXX XXXX and shows it was delivered to the mailroom. I chatted XXXX on the Truist website on XX/XX/2022 to inquire about the payoff being processed and posted to my account. She stated " Upon review it appears we received your payoff check on XXXX. Please note, it can take up to 5 business days for the payment to be processed after your tracking shows as delivered. Once your payment is received it is sent to the mail delivery room with all other payments and is processed one by one. '' She did indicate that it would be backdated and any additional interest would be automatically waived. So, I waited another 6 days ( XX/XX/2022 ) and logged back on to see if the payment had been processed - nothing! I chatted this time with XXXX and inquired about the payoff. I explained everything again. I checked to see if the check had cleared my bank and it had not. XXXX had someone in Truist loan department check and she stated " the check is still not showing in the system and could be processing. If the check does not post in a couple of days you will need to provide proof of the cashier 's check to a Truist bank or do a stop payment on the check. '' This is absolutely ridiculous!!! To receive a payoff check on XX/XX/2022 and on XX/XX/2022 the payoff still has not been processed! Then I'm expected to pay for a stop payment on a check that Truist was too incompetent to handle professionally as a financial institution and process in a timely fashion.
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, XXXX 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, XXXX : # XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, 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: Debt collection

XXXX  leased XXXX  XXXX. Purchase excess mileage ( section 12 on lease ) Ford had me listed for excess mileage. Not true. Major mechanical motor issues ( see attached ) Wanted to finance after lease but could not. It was a lemon. Now XXXX, XXXX, XXXX, XXXX XXXX collection agency is sending collections ( see attached )
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to TransUnion requesting a thorough investigation into inaccurate items appearing on my credit report. To facilitate TransUnion 's verification of my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bank statement reflecting my current address. 
In my dispute, I explicitly requested specific information regarding the verification process : - Details on how the disputed item was verified.

- The date when Transunion contacted the creditor and furnisher.

- Contact information for the creditor and furnisher.

- The name of the individual who verified the item.

- The method of communication used to verify the disputed information ( e.g., phone, email, mail ).

- Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Security Number, address, and date of birth during the verification process.

Despite my detailed and clear request, I have not received any investigation results from Transunion. The 30-day response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them.

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to Transunion as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have been getting phone calls and emails from this agency called acima credit. I apparently owe them {$10000.00}. They have reported it to my credit. Ive talked to them on the phone and told them that I do not owe them anything because I was never aware of how or even why I owe them that amount of money. I have no idea To this day why I owe them that amount, where it came from or who had my information to authorize it. they then said to report it as fraud and send them the report ... I really need this off my credit. As Im sure you understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a fraud affidavit to Equifax on the student loan there reporting on my credit report and they refuse to remove or investigate. They continue to report an item that I have never had no signed for. They us depart responded to affidavit that they could not find no contract for that account. 
I'm not going to state federal laws. But Equifax is reporting and not correcting they fraudulent account. Which is going to leave me no choice but to file a federal law suit in this matter. XXXX removed the account and XXXX  removed the account. But Equifax refuses to remove the account
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 in XX/XX/2024 and XX/XX/2024 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. 


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

XXXX refuses to process my request for TransUnion and XXXX  credit reports as required by Federal Law.
Product: Vehicle loan or lease

When dealing with Credit Acceptance they were very demanding and harassing when we had our loan with them. They repossessed our truck when we had payment arrangements made so we thought with the company. We were finally able to pay off the loan. They added numerous additional fees to our loan throughout the life of the loan. They were a very difficult company to work with.
Product: Debt collection

I moved from XXXX to XXXX last year, and put my house for rental. This year, I receive a forwarded letter in XXXX, from XXXX XXXX XXXX, indicating the lack payment of the HOA fee. I called them immediately on XX/XX/XXXX to follow up with the case, and sent the check out after the call, for the 1st quarter and 2nd quarter. However, the check I sent to the company was not deposited and the company never gave any follow up. Instead, in this XXXX, they sent a demanding letter, and asked me to pay for HOA fee, late fee, and attorney demanding letter fee. 

Although on the call of XX/XX/XXXX, the agent from XXXX XXXX XXXX agreed to waive the late fee for the 1st quarter, I still sent the full payment for my 1st and 2nd quarter HOA fee with all the late fee they charged on my account. But they still asked me for the attorney fee. 

I do not think I should pay for the attorney fee, the demanding letter, because : XXXX XXXX XXXX is new for the community this year. This company did not inform me for the current rate and bill on time. From the beginning of the year to the time of the demanding letter, I only received 1 letter from them, and I also replied to them immediately by phone. For any issue, either potential non received payment or incorrect check amount, this company should contact me by different ways before sending me the demanding letter. Unfortunately, they did not. 

I did not hide in this entire process. Before their notification at the end of XXXX, I have already contacted the old management office to pay off my HOA fee but I got email from the old office, indicating they were not for the management of my property any more this year. On XX/XX/XXXX after receiving the notification from XXXX XXXX XXXX, I called the company. During the call, I got the account set up, and from that time on, they have my email address, correct living address, and phone number. Thus, they are supposed to send me email, letter or call to inform me for any issue, before using the demanding letter. 

In the conversation to the attorney regarding this case, they just said, I had to pay for the letter fee because I did not reply to them. They ignored the fact that I called them on XX/XX/XXXX. They ignored the fact, they did not send me bill on time. They also said, they tried to contact me before sending me the demanding letter. However, when I asked them for details, such as time, date, for some phone call history record, they could not provide any. 

My Case : XXXX My Account Number : XXXX
Product: Checking or savings account

I made a claim for unauthorized debit card transactions on XX/XX/2018 due to the fact that I lost my debit card and it was not in my possession. Regions Bank denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis. '' As permitted by Regulation E, on XX/XX/2018 I requested copies of the documents Regions Bank used in making its determination not to credit my account for the unauthorized transactions. However, Regions Bank has never responded to my request and has not credited my account for these unauthorized transactions. In effect, they have simply ignored my request because they know there are no penalties under Regulation E for their bad faith actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} 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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$330.00} XXXX  XXXX Balance : {$400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$660.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$140.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX these items are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no Inquiry for this company on my credit report, because I never applied for their loan. Where is the proof that I applied for this loan? I never furnished my social security number to this company, nor did I ever have any verbal communication with this company. I have no idea how they obtained my information, but I never applied for this loan. Ask them what is my social security number, and how did they get this information. I am not showing any inquiry from this company that I applied for this loan on my credit report. This company just popped up on my Experian credit file saying I owe this money. They even reported I made a payment in XX/XX/2022 which is false, just so they can come back later to report 2 delinquent payment, and then added a statement in XX/XX/2022 saying " never made a payment ''. This company is fraudulent reporting false information on my credit file. Please see supporting documentation, showing never inquired, or done business and XXXX  reporting false information.