23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to reinstate a disputed charge of {$36000.00} to my corporate American Express Card ( UBS AG ) account on or about XX/XX/XXXX. An original dispute was verbally filed in XXXX of XXXX, and I can provide audio evidence ( see dropbox ). A secondary dispute was refiled I XX/XX/XXXX as I had no resolution yet. 
The charge is in error because the vehicle was not in proper working order. The vehicle self combusted under the heat, due to a lack of coolant and proper maintenance. I was severely injured in the process and lost over {$10000.00} of personal belongings. 
The contract with the rental agency clearly states that The vehicle here rented is received by the client in good mechanical, body and paint conditions and the client is further obliged to return the same under the same conditions. 
This was factually incorrect. In a post-mortem trip, which I had to undertake as I lost my passport, all my money, and shoes in this disaster, I was able to file a police report with the local agency and reconnect with the fire department who determined that the fire was NOT CAUSED by negligent driving / accident, but because the car was not properly maintained to withstand the heat of the region. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I have filed a separate demand letter, with a deadline of XX/XX/XXXX before we will pursue legal action. 
Further, the rental agency had no contractual right to charge the full cost of the car to the credit card, given this was a malfunction in the car itself. A malfunction that I am very sure the agencys own insurance policy and/or warranty of the car manufacturer would have already paid. This double-dipping is typical of agencies operating with lax oversight and therefore we rely on the trusted membership of American Express to defend the consumer against these blatant fraudulent behaviors. 
At the document link provided are copies of the lease agreement with the rental car agency, and the set of bills I received with NO explanation as to the cause supporting my position and experience. Please correct the error on my account promptly. File access : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2022 {$1100.00} The information is incorrect identity was stolen I request documents that has my id with my face showing its my account and used my ID to get this account this is illegal debt parking under the fair debt collection practice act and passive debt collection. 
This was disputed after taking off as it do not belong to me nor did I ever have account. They waited month or two and added it back to my account I after put in a complaint with CFPB about this and while waiting for response this account keeps going up higher and higher dollar amount. Its now been over a year decided to do another complaint as again it is not mines and do not belong to me and shouldnt be forced to pay for something that isnt mines and a company that cant prove its mines only have my name however I also made police report and sent it in to CFPB. This is account that do not belong to me. Please dispute, delete this account from my credit, all bureaus not fair and against the law to share information and buy peoples information after demand payment
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to pursue legal action against the XXXX credit bureaus for inaccurate items on my credit report. Despite having filed a complaint, the bureaus ignored it and accused me of using a third party.
Product: Debt collection

After reviewing my credit report I have found XXXX XXXX XXXX ( XXXX  XXXX ) is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. I never signed anything or submitted my information to go into contract with this company.
Product: Credit card or prepaid card

I was previously employed with XXXX from XXXX, and after my separation from the company I decided to pay some credit cards off, with my XXXX credit card being one. I paid it off on XX/XX/19 to help my credit score, and eliminate a monthly payment. Today, XX/XX/19, I was looking over my accounts as I do regularly, and I noticed that my XXXX account showed a {$0.00} balance, but there was no available credit, so I called the number on the back of my card. I spoke with a representative, and they said my account was closed because of my credit report. One, I didnt request a limit increase, so why were they running my credit without my consent? Two, I made all of my payments on time, so I wasnt a bad or irresponsible customer. Three, my credit score increased due to paying off the cards that I did. I need a good explanation as to why they shut my account down, hurting my credit score, because from where I sit I feel I am being retaliated against for separating from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I co signed this loan for my son. In XXXX of 2019 he was in an auto accident. The car was deemed totaled by the insurance company. All state insurance paid their balance immediately. I called American Credit Acceptance and the dealership many times to get them to have the GAP insurance cover the remaining balance. I continued to pay this loan in XXXX, XXXX and XXXX to make sure this did not report negatively on my credit. But low and behold even when the car was completely covered by insurance and GAP insurance some how they still managed to destroy my perfect credit with a 30 day late payment in XXXX of 2019. This is NOT acceptable. We were NEVER late on this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has added several items back to my credit report items that were previously disputed and removed from report, Equifax did not provide a 3 day notice to me notifying me that this action was taking place ... 
1 ) XXXX XXXX XXXX XXXX account number XXXX****** item was removed from report in XXXX following a dispute item reappeared on report XX/XX/XXXX showing a report date of XX/XX/XXXX no historical payment information included I have previous credit report all dated over the pass 2 years without this account appearing on them 2 ) XXXX XXXX XXXX account number XXXX Previously removed following a dispute in XXXX item reappeared on report without any notice from Equifax ... Shows a reported date of XX/XX/XXXX however item has not appeared on credit report in over 2 years
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for XXXX XXXX at the Bank of America branch. I was told that the funds would be available on XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I received emails indicating the funds would be available on XX/XX/XXXX, this changed to XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. They confirmed that they received the funds on XX/XX/XXXX but will not release until the XXXX. This is unfair that they are holding my funds and not releasing them. Ive been a customer since XXXX  and this treatment is not acceptable. They originally told me that the funds were unverifiable. But after I spoke to my lawyer who confirmed that the check was cashed. They said they indeed had the funds but would not release them. This treatment needs to be called out.
Product: Credit reporting or other personal consumer reports

TRANS UNION IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. INCLUDED IS MY ID AND SOCIAL WITH MY CURRENT ADDRESS. 

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must operate with fairness, impartiality, and respect for consumer privacy. TRANS UNION fall under this category, and I, as the consumer, have the right to ensure the protection of my private information, as supported by 15 USC 6801.

It is explicitly stated in 15 USC 6801 that financial institutions are obligated to uphold the privacy and confidentiality of their customers ' nonpublic personal information. Any entity furnishing information to credit agencies, by definition, is considered a financial institution under this title. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that consumer reporting agencies can only furnish consumer reports with the explicit written consent of the consumer involved. TRANS UNION, and the furnisher of information to credit agencies lack my consent, verbal, non-verbal, written, implied, or otherwise, to furnish my information. 

According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without providing an explanation of how the consumer can exercise their nondisclosure option. However, the furnisher of information to credit agencies failed to inform me of my right to exercise this option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization, which includes information antedating the report by more than seven years. Yet, this accounts they are reporting is adverse and without my permission, which is a violation of the law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) mandates that no person shall furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations of FCRA and to limit the furnishing of consumer reports to specified purposes, which they are not doing.

Finally, as per 12 CFR 1016.7, I retain the right to opt out of reporting services at any time. Therefore, I am formally opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Debt collection

Someone use my identity two years ago to get a car they checked 19 financial place to be approved I guess home credit was the one to approve them they got the car and now they continually contacting me to pay the bill when I pay for all my car cash and used I contacted the credit bureaus about theses list of inquiries before I got ask 100??? But they were never took off XXXX XXXX when I contacted the place about it they sent me a letter saying the car was sold at a private sale but what that has to do with my identity being use without my approval
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Bank account or service

I received a solicitation/promotion offer in the mail from Chase Bank in XXXX, 2016. They offered to give {$300.00} ten days after opening a new account with direct deposit. I opened a qualifying account on XXXX XXXX 2016. The branch officer filed the form to social security to change my direct deposit and gave me a copy. She told me that when my direct deposit changes and is credited to my new account, I will receive the promised {$300.00}. After waiting until XXXX XXXX, allowing for the time the form she gave me said it may take to process, I called Social Security to inquire why the change did not happen. I was told that the form submitted by the bank officer did not " go through '' but I could do it right then on the phone. I went to the branch a few days after calling SS and showed my confirmation documentation. My direct deposit was changed to Chase in 3 weeks and credited to my new account on XXXX XXXX 2016. When I did not receive the promised {$300.00}, I contacted the branch and after two e-mails was called and told that the " promotion period had ended and I would not be getting the {$300.00} ''. I did receive a phone call two weeks earlier from the branch informing me that she was " looking into it and it appeared that the wrong type of social security payment was entered and that may be the reason it did not work the first time ''. The branch officer who opened the account did ask me what type of payment I received in which I replied " XXXX XXXX ''. As I am not age eligible for retirement benefits, she should not have entered that when filling out the government form. I did everything Chase Bank required to receive their promotional bonus of {$300.00}. I do not believe I should be penalized for their employees error. Chase Bank knows the Social Security system can work very slowly and it even says right on the form she gave me to " allow 4-8 weeks to complete '' so again, I should be given the {$300.00} as promised. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX rXXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXXn, XXXX XXXXu 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 instruction.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX XXXX contacted TransUnion -ref # XXXX  XXXX was advised that another person has the same social security number as I do and this is reflecting on my credit report, they advised I contact the social security XXXX went to social security XX/XX/XXXX who froze online access to my social security number and advised me to correct the issue with TransUnion. I have frozen my credit XXXX XXXX and frozen my credit. I will be filing a police report and fraud affidavit. This is a mixed file with the other person and needs to be corrected.
Product: Payday loan, title loan, or personal loan

I overnighted a payoff check to XXXX, it was received on XX/XX/2022 via XXXX tracking XXXX. As of today, XX/XX/2022 the payoff has not been posted to my account. I have contact them twice to follow up, the company is telling me it will take up to 2 weeks to post the payoff to my account. In the meantime they will draft me automatically on XX/XX/2022 an additional {$1200.00}. Further increasing an overpayment on my loan. All while the loan is continuing to accrue interest at a higher balance than should be stated. I am not getting any type of resolution from the servicer and request a review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported on my credit report Experian today XX/XX/2023 that this fraudulent credit card is over the limit. this fraudulent account is currently in dispute will all three credit reports and they must delete it from my credit report.
Product: Debt collection

On XXXX XX/XX/2022 at XXXX XXXX XXXX I received a telephone cal from XXXX XXXX XXXX XXXX XXXX XXXX regarding an unpaid debt for a Citibank Visa card that I held over 10 years ago, which remained unpaid. I have never received any kind of debt verification from either this collector, or from Citibank. I have asked XXXX XXXX XXXX to send me verification of this debt. I no longer have any documentation of regarding this Citibank credit account. I held this account over 10 years ago. After speaking to the Representatives from XXXX XXXX, I did a search on XXXX regarding this firm, which was given the grade of XXXX XXXX XXXX XXXX XXXX XXXX I gave the rep my current address, since I requested written verification of the debt, sent by U. S. Mail, which they were reluctant to provide. They were advising me to contact Citibank for that verification from their archives. I contacted Citibank, and even though I never paid off the debt, they no longer had any information on that account, especially since the account was closed over 10 years ago. I then spoke to my attorney regarding the statute of limitation on collecting an old debt. According to him, this statute varies by state. 

When I initially applied for this card, Citibank had their credit card operations in XXXX XXXX. According to information I found on XXXX, XXXX XXXX XXXX  statute of limitation on debt collection is 6 years. 

With the information I was able to gather, I am convinced that I was targeted again by a scammer. Once I have written verification, I will add additional from XXXX XXXX regarding this issue.
Product: Debt collection

I have been trying to reach out to CBSA Collections since XX/XX/2021 and this collection agency never answers their calls. This debt does not belong to me, and I am requesting this debt to be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, I want to highlight how my federally protected consumer rights to privacy and confidentiality, as outlined in XXXX XXXX XXXX, have been violated by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In particular, XXXX XXXX. XXXX Section XXXX A emphasizes my fundamental right to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 clearly states that a consumer reporting agency can not furnish an account without my written instructions, underscoring the importance of my explicit consent.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) Section asserts that no consumer reporting agency may include certain adverse information in a consumer report, unless it is related to records of convictions of crimes that precede the report by more than seven years. This provision further safeguards my privacy.

Lastly, according to 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for any entity to provide inaccurate information about a consumer to a consumer reporting agency. This stipulation reinforces the necessity for accurate and fair reporting.

In summary, I believe that the actions of these accounts, as outlined in the Fair Credit Reporting Act, have infringed upon my rights and compromised my privacy and confidentiality.This stopping me to get new credit cards, get a new card, grow my business and help my family and improve my credit score.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notified ( ACS ) Allied Collection Services that I never was in XXXX XXXX, XXXX, on XX/XX/XXXX buying furniture from their client XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I was working for the XXXX XXXX # XXXX at XXXX XXXX XXXX, XXXX XXXX, California, working on multiply piping systems all day. Furthermore, on XX/XX/XXXX I sent my XXXX Passport, XXXX XXXX Police Report of Identity Theft, my California Drivers License and a copy of my check stub of the day in question. In conclusion, ACS told me that they would request a deletion from the credit agency. Instead, they have continued to report this fraudulent transaction as correct under the FCRA to all the credit bureaus.