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

In accordance with the Fair Credit Reporting act the following XXXX accounts 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 an account without my written instructions. 

XXXX XXXXXXXX XXXX Opened XXXX {$56.00} XXXX XXXX XXXX XXXX Opened XXXX {$100.00} SPECIALIZED XXXX Opened XXXX {$110.00} XXXX XXXX XXXX  Opened XXXX {$180.00} XXXX XXXX XXXX Opened XXXX {$220.00} XXXX XXXX XXXX  Opened XXXX  {$290.00} XXXX XXXX XXXX Opened XXXX {$720.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXX Opened XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX {$1100.00} XXXXXXXX XXXXXXXX XXXXXXXX Opened XXXX {$1100.00} XXXXXXXX XXXX XXXX  Opened XXXX {$1800.00} XXXX XXXX Opened XXXX  {$2000.00}
Product: Credit reporting or other personal consumer reports

I submitted a dispute and instead of the company doing their job as required under the law they simply refused to properly validate this account or show proof and instead deflected by accusing me of using a credit clinic as if I am not capable of knowing my rights. This message is to reaffirm that this dispute was initiated directly by me, the consumer, not by any third-party credit clinic, and your failure to provide a full and proper validation of the account is both unacceptable and a clear disregard for my legal rights. I am holding you accountable to comply with federal law in the handling and reporting of this account. 

Your assertion that the account is validated is unsubstantiated, as I have not received any of the legally required documentation proving this debt is accurate, verifiable, or that you have the authority to report it under HIPAA and FDCPA regulations. How can you properly validate a medical debt when you have no consent or permission to access that private and personal hipaa protected information? But if thats the case, I demand the following documentation immediately so I can know who exactly to pursue in a lawsuit : Proof of HIPAA Authorization As this involves protected health information, provide proof of your right to collect and report this debt under HIPAA, including any agreement with the original provider. 
Full Debt Validation I require all items as listed in my initial dispute, including documents confirming I am the responsible party, as well as dates, services, and any binding contract. 
Evidence of XXXX XXXX Compliance If you can not prove compliance with XXXX XXXX standards in credit reporting, you are in violation of FCRA, and the account must be deleted without delay. 
If this documentation is not delivered to me within 14 days, I will have no choice but to pursue all available legal avenues, including filing complaints with the CFPB, FTC, and State Attorney General, and initiating formal legal proceedings for damages. Your lack of compliance has already been noted, and any further failure to act in good faith will only strengthen my case. 

I trust this matter will be resolved immediately.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX and list of Inquiries 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: Checking or savings account

Hello, I am writing to complain that TD Bank let a company charge me over 5 seperate times with the amount equally XXXX dollars. It wiped out my account and took my tax return money. I have used this place before but I did not receive the purchase they claimed I made. I have told this to TD Bank several times, I have wrote the company numerous emails requesting actual proof and was provided nothing. TD Bank denied my original claim within a day. That is how I know they did not look into the matter at all. To add insult to injury, they wouldn't credit my account, even temporarily while they figure it out but had no problem taking my money out of my account. TD Bank claims the amount is too high for a " provisional credit '' but that is completely untrue, as they have credited other customers accounts for larger amounts in the past. This is not the time to be withholding someone's money when there is a pandemic going on. I am completely disappointed in TD Bank and I want a resolution now.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$84000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

On XX/XX/XXXX I signed a contract with Credit Acceptance to buy a XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX found at XXXX XXXX XXXX XXXX XXXX, MN XXXX. It was a very high-pressure sale and i had no real knowledge of buying cars with liens attached. I was easily misled and rushed into signing a contract that i expressed repeated dissatisfaction with. i was clear about my goals and intentions entering into a contract and i even tried to return the car the very next day after purchase. I eventually accepted my situation and continued to make my payments on time every month. I have been looking through my contract and found a couple of issues. in light of section XXXX MN statues XXXX XXXX the APR cap for MN would be 21.75 % and I currently have a 22.99 % APR on my auto installment agreement which is also above the XXXX of XXXX percent tolerance for accuracy pursuant to 12 CFR 226.13 ( G ). In addition to this Billing Error, I was never given the opportunity to purchase Bodily Injury and Property Damage insurance though Credit Acceptance. in accordance with 15 USC 1605 ( a ) and ( c ) this would be inaccurate as well.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is XXXX XXXX is reporting a collection amount of {$0.00} in which was paid in full. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed immediately from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  has billed me incorrect. The billing and collection have a   XXXX   balance on the account  Closed  and cancel with  XXXX   XXXX .  XXXX   XXXX  went into my checking account and take out {$810.00}. But I called my bank and they reverse it back to my account and the bank spoked with  XXXX   XXXX . I had cancel with them and sent back their equipment.  XXXX   XXXX  then had it to appear on my credit report as a collection or negative item. I called Billing and I was told I did n't owe them any money and  XXXX   XXXX  billing dept will send a invoice to me showing that. I do not have the invoice as of today    XXXX   XXXX   XXXX
Product: Credit card or prepaid card

Wells Fargo was charging me a fee for " interest fee on cash advances '' on my credit card. I had never withdrawn or transferred cash from that account. The charges were incurred monthly, and were in the 30 dollar/ month range. 
When I complained, they said that an " overdraft protection advance '' was considered a cash advance and that I was being charged interest on that at 26.24 %. If the interest is 33. per month, at that percentage, that would mean I'd have approximately 1500 dollars in overdraft protection advances, which I certainly do not. Now, since I am overdrawn, they apply another fee every month, on top of my regular interest, and I fall deeper and deeper into debt.
Product: Debt collection

The debit collector has been calling at different hours of the day, at work, and calling my family members giving all my information out, and telling them i need a lawyer, they are making my family worried and it needs to stop! I do n't know how they got my family members numbers but it needs to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this letter is to inform you that this bureau is being unreasonable. I am a victim of identity theft, my information was compromised and fraudulent inquiries were included in my report without my consent or authorization. 
As a result, I contacted this company with a detail explanation that I am a victim of identity theft on XX/XX/XXXX. I pointed out in detail to them, of all the inquiries that I did not authorize and were fraudulent. BUT to my surprise this company still keeps on reporting these fraudulent inquiries and inaccurate information : 1. XXXX XXXX Never been my employer 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5.  XXXX XXXX  6. XXXX XXXX  7.  XXXX Inquiry Date XX/XX/XXXX 8. XXXX Inquiry Date XX/XX/XXXX 9. XXXX Inquiry Date XX/XX/XXXX 10. XXXX XXXX Inquiry Date XX/XX/XXXX I also attached with it the following documents as proof of my claim : 1. Identity Theft Report 2.  Proof of identity 3. Section 605B of the Fair Credit Reporting Act This may also serve as a written notice of my intent to sue this company if they continue to insist on reporting this inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on numerous occasions with XXXX, Equifax, & the Creditor ( XXXX XXXX  ). Neither company are properly responding to the dispute and this is my final resort before seeking legal action. 
The account is being reported as a Repossession Inaccurately between XXXX & Equifax. 
To my understanding the FCRA states that the CRA must correct or remove inaccurate, incomplete or unverifiable information in their files. CRA 's must remove obsolete information in their files. Which has not been done. 
The following inaccuracies are being reported on XXXX vs Equifax which are reporting differently : XXXX reports a high balance of {$12000.00} vs Equifax reports a high balance of {$10000.00} XXXX reports a date of last activity/payment of XX/XX/XXXX vs Equifax reports a date of last activity/payment of XX/XX/XXXX ( In reference to XXXX inaccurate reporting the car was repossessed in XX/XX/XXXX so how is the last day of payment after that date for a vehicle that was no longer in my possession ) XXXX reports a Payments status as " Unknown '' vs Equifax reporting a Payment status of Collection/Charge off.
Product: Checking or savings account

On XX/XX/XXXX, a BANK OF AMERICA checking account was opened with my personal information Claim number : XXXX. BANK OF AMERICA also -added a derogatory mark on my banking report history per BANK OF AMERICA XXXX After, I conducted my own thrall investigation I disputed the inaccurate addresses, and information associated with the fraudulent account. In results to the dispute, I won in my favor. On XX/XX/XXXX, I received a letter from Bank of America stating, after completing their research I was not the person responsible for the fraudulent account. The letter also stated Im allowed to open a checking account inside any Bank of America branch. On XX/XX/XXXX, I applied for a Bank of America checking account online. With a deposit of {$200.00} dollars from a debit card my application was immediately approved APPLICATION # XXXX. After several consecutive days of the new account opened. Bank of America closed my checking account, and never explained as to why. Im disgusted a Bank with such a popular name would treat their consumer in such manner. Regarding my deposit I never received, nor has Bank of America rest assured that I will receive my deposit back. Im highly disappointed this is a tough time in the economy. Inflation is high a person whos stressed for money has no time for a deposit thats not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XXXX XXXX XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX, XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY REQUEST WAS SENT XX/XX/XXXX AND NOT ONLY HAVE I NOT RECEIVED A RESPONSE IN A TIMELY MANNER OR AT ALL BUT THE INACCURATE INFORMATION IS STILL ON MY REPORT. 

I ASKED FOR THE DESCRIPTION OF THE PROCEDURES USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE DISPUTED INFORMATION, INCLUDING THE BUSINESS NAME, ADDRESS, AND TELEPHONE NUMBER OF ANY FURNISHER OF INFORMATION CONTACTED IN CONNECTION WITH THIS REINVESTIGATION AND WAS IGNORED. 

THIS BEHAVIOR IS UNACCEPTABLE AND IT IS CLEAR THERE IS NO RESPECT FOR FEDERAL LAW OR MY RIGHTS AS A CONSUMER!
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, XXXX, & Equifax didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, XXXX, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting or other personal consumer reports

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted my mortgage servicer and I am currently on Loss Mitigation which protects from negative credit reporting, and they have reported me as 150 days late even though Im protected through Loss Mitigation. This has brought my credit score tremendously. I have an email from them stating that they will not do this and they keep doing it. Please update the credit report, this is really and has been a daunting process with this mortgage servicer. I have been approved by the state of California with a grant to pay my past due balance and they continue to report this even being on loss mitigation which protects negative credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has yet to respond to my complaint about an erroneous bankruptcy on my consumer report, and are still reporting it. I submitted a complaint with the CFPB on XX/XX/2023 and have yet to have any response from XXXX. They legally only have 30 days to respond and investigate my dispute. That time has passed. I will be taking legal recourse regarding this matter in XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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.

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!

Update the late payments from my consumer reports
Product: Checking or savings account

I pumped gas at a gas station and the card got stuck in the pump. I believe that the card information and pin were stolen using a card skimmer. I filed a claim right away but it was denied. First I was told that it was because the chip was used and the chip was impossible to use. Then I was told that it was because I didnt report the issue at the gas pump, which I did with my initial claim. Then I was told that it was denied because the pin was used and it is impossible for a pin to be stolen according to Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX COMPANIES is in violation of The Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. THE XXXX COMPANIES falsely assert that a previous complaint was a duplicated matter. When in fact, this complaint is a dispute for credit reporting, credit repair services, or other personal consumer reports and a problem with a credit reporting company 's investigation into an existing problem. As addressed thisis a direct dispute against the newly updated information appearing on my credit report for Equifax. I am demanding a human investigation into an incorrect, inaccurate, and unauthorized account appearing on my credit report as a Collection and the only Collection I have appearing on my credit report being reported by Equifax as a Collection account with the creditor as THE XXXX COMPANIES and XXXX IN as the original creditor. Never did I initiate any contractual agreement with XXXX IN for insurance. I have contacted XXXX IN several times and informed them that I never had a contract with them. XXXX IN has failed to provide me with any such contract or records that I opened any insurance account with them! I am a XXXX XXXX XXXX XXXX and all my Insurance is with only XXXX XXXX by choice and has been for well over 30 years! My entire family is with XXXX XXXX and NOT XXXX IN. I never purchased insurance from XXXX IN. I have consistently informed THE XXXX COMPANIES that I do not owe any debt to XXXX IN because I never opened an account for any insurance services with XXXX IN! Further, THE XXXX COMPANIES failed to validate this alleged debt owed through a contractual agreement! They refuse to show me any such contract exists. As I have repeatedly informed earlier, I have insurance with only XXXX XXXX as a XXXX XXXX XXXX Veteran! This is a final demand to Equifax to investigate this matter and immediately remove this incorrect, inaccurate, and unauthorized account from my credit report. I demand Equifax provide me with a contract agreement containing my full signature for an account with XXXX IN for THE XXXX COMPANIES to be able to collect on a debt against me. Equifax refuses to show how this account was validated. Pursuant to violations of 15 U.S.C. 1681g, Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 6 ), 15 U.S.C. 1692g, and FDCPA Section 809 ( a ) I am demanding this Collection be removed from my credit report. I am well prepared to work with Veteran Affairs to seek legal assistance because this Collection caused me to be denied a loan and take legal action against all parties known as Equifax, THE XXXX  COMPANIES, and XXXX IN! This is illegal and unjust!