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

I bought two vehicles with two trade ins. This was at XXXX XXXX in XXXX XXXX. I bought a vehicle in my name on XX/XX/2020, and a vehicle in my fiancs and my name on XX/XX/XXXX. Any how I have been having many issues. Starting off with when i bought the second car my fiance told them i was gon na co sign and ended up pulling my credit without my permission. At the end of the day it was okay as i didnt mind co-signing. Then we went up there and bought a new car on the XXXX turns out the bank didnt approve the loan so we had to sign another contract the next day and im thinking this is okay, but they pulled our credit again for that. So we leave thinking everything is done its now XX/XX/2020. 

Well last Thursday they told me I had till XXXX to send them Insurance information or they will take back my truck that i bought on XX/XX/XXXX. So i give them the information and im like okay everything is done. Fast forward to this week Wednesday XX/XX/2020, they decided to pull my credit again without my permission because the loan they had for my truck did not go through. I called him yesterday as well saying why didnt they not call me to discuss any arrangements and that it is illegal to pull my credit without my consent and he said it isnt. I told him i dont want him to pull my credit and I froze my XXXX reports. Well today he decided to pull my credit again and I actually didnt know about this until after getting information to send this to you guys.
Product: Credit card

SAMS CLUB OPENED A CREDIT CARD FOR ME. THEY NEVER HAD THE CORRECT ADDRESS, USING ONE THAT WAS 15 YEARS OLD. WHEN I CALLED THEY NEVER UPDATED WITH THE NEW STREET NAME. I RECEIVED XXXX IN FEES THAT I WANT REVERSED DUE TO THE FACT THEY NEVER SENT THE BILLS, AND THE LAST XXXX STATEMENTS SHOW THE WRONG ADDRESS. FURTHERMORE THEY CUT UP MY CARD AND CLOSED MY ACCOUNT. I WANT A REFUND AND MY FINAL STATEMENT SENT TO ME
Product: Debt collection

I have written Notarized letters to Diversified Consultants along with many calls to them and XXXX. I explained I was a victim of ID Theft and provided documentation from police reports to whatever I had and to no avail they have not taken this off my report on XXXX yet. they have no documentation whatsoever and are lying to bureaus to try and collect a fraudelant debt. 
the amount they say I owe is {$2500.00} it says open XXXX/XXXX/XXXX I will attach documents to support this to you all. thanks for your help. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on behalf of XXXX XXXX regarding the inaccurate information present on his credit reports with the credit reporting agencies, XXXX, Experian, and XXXX. The inaccuracies pertain to student loans, closed accounts, and hard inquiries, and they are adversely affecting XXXX 's creditworthiness and financial standing. 

Upon reviewing XXXX 's credit reports from XXXX, Experian, and XXXX, it has become evident that various inaccuracies have emerged, particularly in relation to student loans, closed accounts, and hard inquiries. These inaccuracies are causing significant challenges and hindrances to XXXX 's ability to manage his finances effectively and secure financial opportunities. 

I kindly request the following actions : A comprehensive investigation into the inaccuracies present on XXXX 's credit reports with XXXX, Experian, and XXXX, with the aim of rectifying any information that can not be verified or is erroneous. 
The prompt removal of any inaccurate data related to student loans, closed accounts, and hard inquiries in line with the Fair Credit Reporting Act ( FCRA ) and the CFPB 's regulations. 
Verification of all student loan information to ensure its accuracy and alignment with XXXX 's financial history. 
I firmly believe in the importance of fair and accurate credit reporting, and I trust that the CFPB will diligently address these inaccuracies to ensure the integrity of XXXX 's credit reports. 

Please keep us informed of the progress and outcome of this complaint.
Product: Credit card

I was given a credit card account by USAA in which I received zero percent interest on purchases until XXXX. This is now the third month they have continued to charge me interest on purchases. They have also opened another account without my permission.
Product: Vehicle loan or lease

I XXXX XXXX XXXX signed as a co signer on a lease in the person I trusted let the vehicle go back without notifying me on the situation. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX Balance : {$7700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked all three credit bureaus on three different occasions to verify the account listed on my credit report, and all three credit bureaus updated my report with verified. XX/XX/XXXX, XX/XX/XXXX. However it was not corrected. Under the fair credit reporting act : Agencies fail to follow guidelines for handling disputes. Creditors give reporting agencies inaccurate financial information about you. Credit reporting agencies are obliged to correct or delete inaccurate, incomplete, or unverifiable information. I have a right to dispute incomplete or inaccurate information in your report and provide the verification method. 

Experian- is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX. 

XXXX Is reporting the collection account as a collection, open date XX/XX/XXXX, last active date XX/XX/XXXX XXXX Is reporting the collection account as open with a past due balance and balance, payment status Late 120 days, open date XX/XX/XXXX. Date last active XX/XX/XXXX. 


Please delete all unverified collections immediately.
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 right to privacy and confidentiality under 15 USC 1681. XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$14000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2700.00}
Product: Credit reporting or other personal consumer reports

I had the credit bureaus dispute on my credit report this account. they said it was accurate. I then sent a request for a Complete Debt validation around XX/XX/year>, to XXXX XXXX XXXX, no response. I asked for a 1099-c form, no response. So now I'm asking for this account to be Deleted from my credit report. It is inaccurate by stating this account is an open account when in fact I never had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was successful in proving to XXXX some of the erroneous errors on my credit. While they were in violation of not doing it before they have corrected it. Experian received the same evidence and has failed to remove the errors. They sent an email with result but each time I click on the link it loops around I attempted to change my password to no aviail. I attempted to call to no avail. XXXX  removed 2 collection items so far ....
Product: Debt collection

I have written  Portfolio Recovery Associates  several letters asking them to verify and to remove a debt that is not mine. In addition, I asked them to provide me with the original contract between myself and the original creditor. In return, PRA asked me to send them additional information to help them verify the debt. It is not my responsibility to help them verify a debt that is n't mines. PRA does n't have any of the necessary paper work to prove this is my debt, yet they will not remove it from my credit reports and they are still trying to collect this debt. In fact, they have even threatened to sue me. The debt is less than a {$1000.00} and the PRA is located in different state than me. Thus, the cost to hire an out of state lawyer would be much more than the {$800.00} that they claim I owe. This is clearly a scare tactic and this company is violating the FDCPA in several ways.
Product: Credit reporting or other personal consumer reports

Additionally, pursuant to 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act, I am requesting that you cease all further communication with me regarding this disputed debt. This section of the FDCPA states that if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication, the debt collector must cease communication except to inform the consumer that collection efforts are being terminated or to notify the consumer that the debt collector or creditor may invoke specified remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2024 XXXX  : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting 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  XXXXXXXX XXXX Account # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX 's 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 XXXXXXXX # 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 XXXX XXXX XXXX XXXX XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX & # XXXX XXXX XXXX XXXX XXXX Accounts # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX  # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, # XXXX, & # XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE LIST ABOVE ACCOUNTS HAVE VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. 15 U.S.C.1681Section
Product: Debt collection

XX/XX/2021 2nd CONSUMER COMPLAINT FOR FDCPA VIOLATION I am Consumer and I filed an initial Consumer complaint against Monterey Financial Services ( aka Monterey Collections ) under complaint number XXXX for violating various sections of the FDCPA and The Truth in Lending Act. 
After communicating with Monterey in an attempt at achieving complete resolution to the violations committed against me ( the Consumer XXXX by Monterey, they committed yet another separate violation to the FDCPA. 
On XX/XX/XXXX, XXXXI sent Monterey a letter ( Exhibit 1 ) notifying them that they committed violations of various sections of the FDCPA and The Truth in Lending Act while attempting to collect an alleged consumer debt from me via USPS priority mail ( Exhibit 2 ). 
The letter was received in their office on XX/XX/2021 XXXX Exhibit 3 ) Monterey responded to me on XX/XX/2021 XXXX Exhibit 4 & 5 ) via thus violating the communication directions outlined in the letter attempting to come to a resolution ( Exhibit 1 ) that they received on XX/XX/2021 Montereys violation entailed disregarding my most recent instructions for communicating with me ( the Consumer ). Monterey ignored my request for them ONLY to respond to me via email at XXXX pertaining to this. Any other form of communication was nullified with the last and most recent communications instructions from me ( the Consumer ). Instead Monterey mailed their response to my home address via US Postal Service ( Exhibit 4 & 5 ) despite my instructions to only communicate with me via email. violating the Federal Debt Collections Practices Act 15 U.S. Code 1692 ( c ) and harassing me by disregarding my instructions only to communicate via email violating 15 U.S. Code 1692g
Product: Debt collection

Got a call from XXXX XXXX XXXX XXXX in an attempt to settle a debt. The lady I spoke to was very polite. I explain my situation being unemployed for XXXX and a half years and due to my age I probably want have another income until social security XXXX. After explaining this was my attempt to settle a debt. I told them I could pay {$450.00} and representative told me she had to consult her XXXX. I told her that I did want to have her repeat the words no we can not accept your offer. I heard her ask him something and she asked me how much I could come up with. I told her I had approximate {$500.00} to my name and we were willing to give to them to resolve the issue. This is when she insisted we speak to her XXXX. I decline to speak to multiple representative all attempting to leverage me.
Product: Money transfer, virtual currency, or money service

This is a continuation of complaint number XXXX. This is the only way I can contact Robinhood because I'm not getting any responses to my email requests. 

There was no legal reason to close my account, on XX/XX/XXXX you received an official document notifying you that my bank account was closed, without giving any reason you closed my brokerage account and everything associated with it. The balance of {$2300.00} is my crypto transfers, which can be easily tracked online. Let me know what information regarding them you need in order to verify the legitimacy of these funds and I will provide them to you
Product: Debt collection

I WORK FOR COUNTY OF XXXX XXXX. I HAD AND CONTINUE TO MAINTAIN FULL MEDICAL INSURANCE.
COLLECTION CONSULTANT OF CALIFORNIA ARE WRONG AND INTENTIONALLY ATTEMPTED TO AVOID MY REQUESTS.
I tried several times previous to provide all my insurance information. Because I see no difference to my DEROGATORY MARK, I believe that my medical information was intentionally hidden, AVOIDED, or ignored. Yes, my insurance was provided. As I work for the county still. Why are they intentionally avoiding my medical providers and my insurance? I forwarded all my medical information, plus medical insurance copies through CFPB. Reporting this as an intention by the collector to defraud a consumer : by extending a clients medical history insurance information and having it voided later.
Product: Debt collection

I noticed a collection account on my credit report for a company with which I have never done business. Fair Collections and Outsourcing claims that I owe {$10000.00} to them. I sent a certified letter to dispute this accusation and request validation, the company received and signed for the letter onXX/XX/XXXX. I have the electronic signature confirmation from the US Postal Service as proof. This company is required by federal law to place a " notice of dispute '' on my credit report within 30 days of receipt of my dispute. They failed to do so. I pulled by credit report again on XX/XX/XXXX and there was no such " notice of dispute. '' I have retained a date stamped copy as proof. They are in direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I sent another letter which they received and signed for onXX/XX/XXXX.  This letter was to inform them that they violated the law and instead of pressing charges, I would be willing to refrain from further action in exchange for a deletion from my credit report with the 3 major credit bureaus. I have not yet received a response from them. This is very damaging to me and I think it is very unfair for a company to be able to break federal laws with no consequence. Please help.
Product: Debt collection

About 20 years ago I purchased a small notebook from Best Buy. In the first 3 months the hard drive failed on it. They refused to honor my receipt or warranty and I still paid them for it. I believe it was about {$300.00} Im so disgusted with Best Buy and their pit bull debt collectors from XXXX XXXX, they have no shame. They call all hours of the day constantly from different phone numbers and locations. This has to stop, please help.
Product: Vehicle loan or lease

They wont refinance or lower the payment and im paying XXXX a month
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite many written requests, the following things remain on my credit report, which is prohibited by the FCRA. The Departments failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the prescribed time frame, they failed to adequately investigate what was happening by using a third party, and they continued to provide unsupported and unconfirmed information. My attempts to directly handle it with three credit bureaus resulted in their breaking federal law and being willfully careless, and I need this matter to be fixed right away. Please delete additional items from my record. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I MADE A HOTEL BOOKING AT THE XXXX XXXX XXXX VIA XXXX ON XX/XX/XXXX FOR XX/XX/XXXX AND ON XX/XX/XXXX TRIED TO CANCEL THE RESERVATION BECAUSE THE VISA WAS DENIED. XXXX TRIED TO REASON WITH THE HOTEL BUT THE HOTEL CHARGED MY CARD. I TRIED SPEAKING WITH THE MANAGEMENT BUT THEY WILL NOT REVERSE THE CHARGES. I DISPUTED WITH MY BANK ( BANK OF AMERICA ) HOPING FOR A SENSIBLE RESOLUTION BUT THE BANK IS TAKING SIDES WITH THE HOTEL. I MADE A DISPUTE FOR THE CHARGES ON XX/XX/XXXX AND ON NOT GETTING ANY KIND OF LETTER I CALLED THE BANK ON XX/XX/XXXX ONLY TO BE INFORMED THAT NO DISPUTE WAS LOGGED. I THEN TOLD THE AGENT THAT IT WAS NOT ACCEPTABLE THAT I HAD TO FOLLOW UP ON MY DISPUTE WHICH WAS SUPPOSED TO BE LOGGED ON THE XX/XX/XXXX WHICH WAS NOT. 
ON XX/XX/XXXX I GET A LETTER FROM BOA THAT THEY ARE UNABLE TO RESOLVE THE CHARGES STATING MERCHANTS HAVE THEIR OWN CANCELLATION POLICY AND BOA CAN NOT INTERVENE. 
I CALLED BOA ON XX/XX/XXXX TO INFORM THAT I WAS NOT HAPPY WITH THE RESOLUTION AND THAT I NEEDED MORE INFORMATION ON HOW THE ISSUE WAS INVESTIGATED AND HOW DID THEY REACH THE DECISION THAT THE MERCHANT WAS RIGHT TO CHARGE MY CARD FOR NO SERVICES PROVIDED. 
THE AGENT MS XXXX FROM TENESSEE LOCATION FAILED TO PROVIDE ME ANY INFORMATION. ON ASKING FOR A SUPERVISOR SHE TOLD ME ALL SUPERVISORS ARE BUSY AND THAT I WILL BE ABLE TO GET A CALL BACK AT XXXX. WHEN I TOLD HER THAT I AM WILLING TO HOLD THE LINE FOR ANOTHER 3.5 HRS SHE TOLD ME SHE CAN NOT PUT ME ON HOLD FOR THAT LONG. I TOLD HER THAT I WILL NOT BE ABLE TO TAKE THE CALL AT XXXX BECAUSE I WILL BE AT WORK. SHE PUT ME ON HOLD AND AFTER 20 MINUTES A SUPERVISOR BY THE NAME XXXX WHO SOUNDED UPSET WITH MY INSITANCE TO HOLD ANSWERED ME RUDELY AS TO HOW HE CAN HELP ME. ON REMINDINING HIM THAT I WAS IN CONVERSATION WITH XXXX HE THEN STATED OH ITS ABOUT THE {$690.00} DISPUTE. I TOLD HIM YES IT WAS AND ALL I WAS REQUESTING IS INFORMATION ON HOW THEY REACHED THE CONCLUSION THAT THE HOTEL IS RIGHT IN CHARGING MY CARD FOR NO SERVICES PROVIDED. XXXX STARTED ARGUEING WITH ME AND GAVE ME THE SAME ONE SENTENCE ANSWER I GOT IN THE LETTER. ON BEING TOLD THAT I WILL NOT STOP DISPUTING THIS CHARGE AND FOR THAT I NEED MORE INFORMATION AS TO WHERE DOES IT STATE ABOUT THE CANCELLATION POLICY BECUASE THE HOTEL WEBSITE DOES NOT STATE ANYWHERE ABOUT ITS CANCELLATION POLICY. HE STATED HE WILL SEND ME A LETTER IN MAIL. 
I WANTED MORE INFORMATION FROM MY BANK WHICH IT FAILED TO PROVIDE ME. 
IN VIEW OF THE ABOVE IT IS REQUESTED THAT BOA BE INVESTIGATED AND A RESOLUTION BE PROVIDED TO ME IN THIS DISPUTE BECAUSE {$690.00} IS MY ONE WEEK PAY CHEQUE. 

THANKING YOU FOR YOUR TIME AND CONSIDERATION KIND REGARDS XXXX