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

This is my ANOTHER 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 XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX & account # XXXX XXXX XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # 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
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, a certain company made a vacuum cleaner which doubles as a air refresher presentation at my residence. I decided to buy the product so they linked me up via phone call with their affiliate loan company to finance the product for me. The loan company is called Preferred Credit Inc. During the call, I requested to know the interest rate on the loan, the Preferred Credit Inc. rep said he does not know, and that I will find out later. I pressed on him several times to disclose the loan 's interest rate, but he will not disclose it. Besides, the invoice they send via email does not provide interest rate, interest amount, not even account number on it. I saw some numbers on my bank account description and I assumed it was the loan account number. I called their customer service and asked again what is the interest rate I pay on the loan every month since XX/XX/2020, and the rep, who is a different person from the one I talked to at the time of signing the loan, will not tell me but I managed to get the interest amount from her. Out of a monthly payment of {$99.00}, {$64.00} was charged as interest amount for XX/XX/2020. Suspecting that the interest rate will be so high and they failing to fully disclose the interest rate to me, i requested to sign-up to their online portal. The rep sent me a link to sign-up ; after clicking on the link and having several error webpages, I got a way around it to sign-up to their web portal ; and confirming my suspicion, the interest rate was as high as approximately 22 %. Had this interest rate was disclosed to me at the time of signing up for the loan, I will not take this loan. The interest rate is outrageous and I am therefore filing a complaint for failure to fully disclose material information that will help me, a person of sound mind, make a reasonable decision ; especially when I requested for it.
Product: Checking or savings account

I received a flyer in the mail stating that I could earn up to a {$500.00} bonus by registering on regions.com/offer using a personal code and by opening a personal lifegreen checking account. The flyer stated i would get {$400.00} for opening the account and an additional {$25.00} for completing 4 other activities with the account. Once complete, the bonus would be paid in 90 days.

-Download and log into the regions mobile app -Deposit one check -Set up regions direct deposit -Make 10 or more purchases on the check card The new account had to be opened prior to XX/XX/XXXX. 

I went to regions.com/offer and entered the personal code and my email address. I also opened the account and completed 2 of the 4 additional activities prior to the end of XXXX. Here is where the problem arises. Apparently the mail man delivered this flyer to the wrong address. It was addressed to my neighbor. So in 90 days when I hadn't received my bonus, I brought the flyer into regions and asked why the bonus hadn't been paid. It was at this point that they saw the flyer that I received in my mailbox wasn't addressed to me. Therefore the bonus wouldn't be paid. This was the first time that I ever looked at who the flyer was addressed to. Here is my complaint though. I went on regions.com/offer. I typed in the personal code on the flyer. I typed in my email and I established an account with my name and address and social security number. Never once did the system say that i wouldn't be eligible for the bonus because my name didn't match the flyer. I would expect there to be some sort of notification saying that I wouldn't be eligible prior to 4 months after I opened the account and completed the activities. For this reason I believe I should be granted the bonus for establishing the account and completing the activities that I did. This would amount to {$450.00}.
Product: Credit card or prepaid card

JPMorgan Chase recently locked my account for security reason on XXXXXXXX. I tried to call and resolve the issue for numerous times without success. They promised to get back to me within 48 hours on XX/XX/XXXX. However its been 96 hours past and I still have not heard back from Chase. I tried to reach out and resolve the issues myself, and the customer protection service representative hanged up my phone call and has never called me back, even if he has promised so. Chase has refused to give me a chance to describe the circumstance, and breached their service level agreement by a large margin. This has posed a huge inconvenience on my daily activities. I have attached the receipt on the last successful transaction of the locked card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are FRAUDULENT items ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) and UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding them and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting or other personal consumer reports

There are numerous inquiries on my credit report for which I did not make and need to be removed from my report. These include : XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year>XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX  ( Finance ) XX/XX/year> Section XXXX of the FCRA states that information reporting must be accurate and verified. I have not inquired with these institutions.
Product: Debt collection

XXXX was listed as a creditor on my credit report as a debt collector for XXXX XXXX in the amount of {$1000.00}. This account was challenged and deleted from my credit report. In less than 30 days this account was picked up by Ability Recovery Services , LLC. I DO NOT believe that XXXX XXXX had adequate time to resell/retain this account to Ability Recovery Services , LLC who claim that they retained this account from XXXX XXXX. <P/>I am requesting that the new creditor : 1. Submit to me validation to prove that XXXX XXXX has retained them to recover the amount they have listed now as {$1100.00}. Including an itemized bill detailing line by line fees and interest. 2. I am also requesting that Ability Recovery Services , LLC provide proof they have not received this account through XXXX XXXX or XXXX. 3. I request names and address of all to whom they contacted as well as date and time. I will be following up on this correspondence directly. 4. I request that Ability Recovery Services , LLC provide to me their legal licensee number as a registered collection agency for the State of Maryland to be checked through the Maryland department of Labor, Licensing, and Regulations system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

Late Payments I didnt receive Notice were in XXXX 30 day late in XXXX and XXXX I sent a letter on XX/XX/XXXX under tracking number XXXX XXXX XXXX Experian requesting to do a reinvestigation requesting XXXX XXXX account number XXXX was to provide this notice to consumer prior to, or no later than 30 days, after furnishing negative information, which I didn't receive proof of the notice was sent to me. 
According to the FCRA, Section XXXX ( a ) ( XXXX ), XXXX XXXX, as a Furnisher of information were to provide me with written notification no later than 30 days after furnishing the disputed late payments on XX/XX/XXXX and XX/XX/XXXX. However, XXXX XXXX failed to comply with the responsibilities of a Furnisher as enforced by the FCRA, as this written notice was never provided, and violates my rights under the FCRA. 

Therefore, under Section XXXX ( a ) ( XXXX ) of the FCRA, XXXX XXXX have a duty to correct and update this information to either ND ( No Data ) or NR ( Not Reported ). They never updated this information to ND or NR.
Product: Credit reporting, credit repair services, or other personal consumer reports

i demanded that the following account be removed from my credit report : XXXX XXXX XXXX # XXXX
Product: Checking or savings account

Dates was XX/XX/2022 amount was {$3500.00} Some lender company it was unauthorized
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX 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 or other personal consumer reports

I've contacted Annual Credit Report.com on more than two occasions to get my free annual credit reports. 
I am blocked from my account and can not retrieve the report. 
It says it's verifying my identity but it doesn't send the text to my phone. Nor do I receive the email. 
Then it asks me verifying questions about my credit which are all wrong. When I select none of the above, it states it can not help me. 
I have requested reports by mail and have not received them as well. 
How can I get my credit reports to report a fraud if I can not receive the report?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since  XXXX ,  XXXX  I have consistently requested that WFHM produce documentation ( proof ), that  WFHM has in fact re-affirmed my mortgage loan to the NC courts and credit bureaus. WFHM has repeatedly sent duplicate information to CFPB and will not send the requested documents stating the re-affirmation. Under the Fair Credit Reporting Act 1   5 USC S 1681i. It is the law that WFHM  produce a ( procedure in case of disputed accuracy ). Additionally I request a Promise to report payments in writing. As I have researched this issue, I have learned that this is common practice among WFHM, which in turn WFHM continues to fraud mortgage holders after a bankruptcy. WFHM  has a practice of not re-affirming the loan and floods the CFPB with constant duplicate paperwork as justification to said fraud. It is my hope as I state once again, for WFHM to 1 ) Produce documentation Under the Fair Credit Reporting Act 15 USC S 168i.
2 ) Produce documentation of Promise to Pay in writing.
3 ) Produce documentation of Re-affirmation of my loan after bankruptc  y  XXXX .
Product: Credit card

Appears that two credit cards were opened from XXXX XXXX using may name. 

These cards were opened in XX/XX/year>. 

I was never notified nor did these cards show on my report previously. 

Now both these cards in collections! 

This is messing with my ability to receive credit. Please remove both cards from all my credit reports.
Product: Student loan

I was notified in early XX/XX/2018 that Firstmark Services, who was servicing my student loan that they had, without my consent, stopped my auto debit payments due to a hurricane relief initiative for my area ( North Carolina - we were hit by two hurricanes in 14 days ).

I notified them that I had no need to stop auto debit. Instead of turning it back on, they kept it off and now my credit score has dropped 140 points in the mean time before I could discover the error. I want those 140 points back - I did nothing to induce these changes and otherwise have impeccable credit.
Product: Credit card or prepaid card

I received 3 different Visa debit cards from a company called Cash App that I never applied for. I attempted to call Cash App customer service number but only got a message from an automated attendant advising me to go to their web site for help. My computer anti virus indicated that the Cash App web site in a non secured site therefore i did not want to access the site. The debit cards refer to a bank Called XXXX XXXX. I call XXXX XXXX   however they are not able to help in getting the cards cancelled. The representative did agree to reach out to Cash App to see if there is some way to have someone contact me by email. I just want the cards cancelled and request no further cards be issued in my name. Hopefully you can help with this matter.
Product: Debt collection

XX/XX/XXXX I received a letter in the mail from IQ data stating that I owe my previous landlord XXXX along with a letter breaking down the charges.I attempted to dispute this amount via XXXX  XXXX  but it was denied. I spoke with XXXX XXXX ( possibly XXXX ) during my move out inspection and asked her infront of witnesses just to have some sort of proof in the event of an issue, I asked her how much of my deposit they would keep she stated well I know you told us months ago you would not renew your lease and you were moving out but we will have to charge you up to one months rent for you moving out since its not in writing so you wont get your deposit of XXXX back we then did a walkthrough and she stated I would be charged for a small repaint in the kids bedroom due to a wall decor pulling paint off and the stove eyes needed to be replaced! So again I asked how much am I going to have to pay she said XXXX minus my XXXX deposit ( I have the person who helped me clean the unit willing to give a notarized statement of this ) Now this was done on XXXX due the office being closed on XX/XX/XXXX when we moved out and there being no drop box for the keys.The charges are ridiculous I have paid off this property once without asking any questions but I will not pay for something that was falsified I have my uhaul receipt showing I removed all of my things out of the unit on XX/XX/XXXX but they charged me for 3 days saying I still was staying there FALSE again.I have no problem paying for breaking the lease but the carpet paint and other charges are all incorrect the carpet was cleaned the week we moved out BY XXXX  Vendor due to a raw sewage leak. I know I am not the first to have an issue with them and I have previous tenants willing to take legal action in form of a class action suit against them for the same exact reasons.The pandemic was rough and I still had to move and provide for my children bc the sewage leak was a common issue and I didnt want my kids sick from exposure especially during the start of the pandemic.My lease is ending and just as Im applying for a new place I get this letter now if they are willing to talk about charging me for the lease being broken thats different but I will not just give IQ data more money than I actually owe like the last time I was told I owed XXXX but had to pay around XXXX to them to get it in good standing I need this issue resolved in a timely manner!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Capital One that has been closed since XXXX. I checked my credit reports and noticed that they are reporting that I am 30 days late on this account. I contacted the credit bureaus and they failed to fix the issue. I also reached out to Capital One and they too failed to fix it and sends me the same letter over and over again. This is stressing me out because the late is being re-reported each month and won't go away and the account has been closed for XXXX years. I am consulting with a consumer rights attorney on this because the bureaus won't fix the issue.
Product: Debt collection

I have been receiving an overwhelming amount of letters and calls from this company for a debt I have no knowledge of. I spoke with several representatives prior in relation to my information being breached through XXXX  around this time. I also have identity thefts instances around this year when this account was opened. 


I have paid several credit repair agencies to remove this erroneous account from my credit report.
Product: Debt collection

I filed XXXX complaints with CFPB ( XXXX / XXXX XXXX ) because XXXX / Bridgecrest is not responding to our email or registered mail attempts to address our billing issues. Instead they took adverse action by sending in XXXX XXXX XXXX as their agent, to trespass onto my property and attempt to repossess the vehicle. Sheriffs were contacted and report filed ( Case # XXXX ) as the tow truck company, their agent, was caught having crossed INTO my backyard with their truck closed behind my locked gate. The XXXX made it clear to the agent, that the only property they could remove was their tow truck. 
They will likely tell you that they have resolved this matter by having someone reach out to us regarding the dispute. XXXX called and introduced herself as the agent with XXXX XXXX Bridgecrest. She said that she was to help resolve / address our CFPB complaints and the notice of Claim that we had sent in to legal. In my recorded conversation with XXXX, while voicing our concerns over misapplied finance charges, and asserting our rights as the consumer to mandatory arbitration before any adverse action could be taken, she advised that she was NOT with legal and could NOT advise on any of the concerns I had. She told me since their record, that I am contesting, shows that they have received " No payments '', that I should go ahead and relinquish the vehicle to the tow truck company that was illegally trespassing on my property.
Product: Debt collection

1.I have never had an account with this company WAKEFIELD AND ASSOCIATES , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WAKEFIELD AND ASSOCIATES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.