23daVinci/CFPB_Complaints huggingface dataset:
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 : Balance : {$220.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$120.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$72.00} Account Name : XXXX  # XXXX : Balance : {$0.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX XXXX Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance XXXX {$210.00} Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$450.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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 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: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For more than a week the Credit Protection Association calles me from XXXX and leaves a voicemail for someone I do not know. The recorded message directs the receiver to call XXXX if the receiver is not the the debtor in question. I called the second number and it plays 14 advertisments befor directing the caller to dial XXXX as the intended recipient has changed their number. This leads to a XXXX information service. 
This is an serious abuse of my time and I suspect someone is recieving payments for making me listen to all those ads. I feel that CPA is profiting from calling people they know full well are not debtors.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm has twice now turned on automatic payments despite me not giving consent, which is illegal. I have fortunately been able to turn them off before there has been any impact to my finances, but I don't want others to have the same issues. I have had no late payments or any other reasons for them to be doing this other than sheer negligence or mal intent.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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: Credit reporting or other personal consumer reports

I've noticed two student loans reporting to all three credit bureaus, as well as a XXXX XXXX credit card that I did not open. 


See all attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute with XXXX  and experian 75 days ago, i feel that is plenty of time to respond to my request. please help me in the matter.
Product: Vehicle loan or lease

I been out of work due to XXXX and was not able to keep up with my car note I paid small amounts when I can and I just start back working but my car is in repo status I always called and notified them of my circumstances they where just not understanding my car was taking away 2 times when I was XXXX and I had to borrow money to get it out
Product: Credit card or prepaid card

See attatched list UNAUTHORIZED TRANSACTIONS REPORT OF XXXX & XX/XX/XXXX. See attatched USAA FRAUD CLAIM DATE XX/XX/XXXX dated XX/XX/XXXX. The UNAUTHORIZED TRANSACTIONS WERE SUPPOSED TO BE THE {$470.00} UNAUTHORIZED TRANSACTIONS OF XX/XX/XXXX ** TO PROOVE XXXX XXXX {$120.00} IS NOT INCLUDED IN THE {$470.00} I REPORTED FRAUD XX/XX/XXXX. USAA KEEPS SLANDERING MY GOOD NAME CONFIRMING XXXX XXXX ( a returned item ) WAS INCLUDED IN FRAUD REPORTED XX/XX/XXXX. USAA PLEASE PROVIDE A LIST OF THE UNAUTHORIZED TRANSACTIONS TOTALS {$470.00} I REPORTED FRAUD. As requested. TO CONFIRM XXXX XXXX IS NOT INCLUDED IN FRAUD REPORTED BY ME XX/XX/XXXX. Also please provide XX/XX/XXXX REPORTED UNAUTHORIED TRANSACTIONS AND WRITTEN PROOF OF DELIVERY INTO MY HANDS.
Product: Debt collection

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Product: Bank account or service

Bank of America has an established policy of charging {$100.00} for a legal order. That includes any request from an authorized agency to debit, freeze, withhold, or otherwise place a limit on an account. I know about this policy and I know I agreed to it. I still think it 's outrageous and excessive. 

I was recently charged {$100.00} because the State of California requested a debit on my account for {$100.00} for state taxes owed. Whether I owe this amount or not is not Bank of America 's concern, and I certainly expect the bank to respond appropriately to authorized agency requests. What I have a problem with is the {$100.00} fee. That {$100.00} has nothing to do with the State of California ; it 's purely the bank 's policy. It 's ridiculous for the bank to charge {$100.00} when it 's almost certain that no human being had any part in processing the State of California 's request. It 's substantially more offensive than the {$35.00} fee they charge for insufficient funds ( which again, no human being had any part in processing ). At least for insufficient funds the bank has a legitimate problem with the customer. But the {$100.00} legal fee? Bank customers are basically being charged for a few milliseconds of computer time. If the account has the funds to fulfill the agency request, why is the bank charging a fee? What is it for? Just an extra opportunity to really stick it to the customer? 

I called the bank and their representative said that there was nothing he could do about the fee, since it was in compliance with bank policy. Yes, it 's bank policy. I get that. I 'm not stupid. But I can promise Bank of America this : I will absolutely file a complaint every time the bank charges me a disproportionate fee for a service that essentially costs them nothing. I will file a complaint every time the bank charges me a fee that clearly impacts low-income individuals disproportionately more than high income individuals. I will not choose the " tell a story '' option. I will file a complaint. At least then the bank will be obligated to have a human being personally respond and mail me some dead tree correspondence, and I 'll get my money 's worth for all the fees they charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent countless number of hours and times requesting the bureau to dispute these fraudulent accounts and I have not gotten a response on the removal of the accounts.
Product: Credit card or prepaid card

I would like assistance in disputing a charge on my XXXX XXXX XXXX. This charge is XXXX of several paid to a company named XXXX XXXX in XXXX of last year. This company charged me a total of {$15000.00} XXXX {$2000.00} of which is on this card ) after selling us on the idea of starting an online business. XXXX XXXX told us that the initial {$8800.00} we paid was to be inclusive of a custom built platinum e-commerce website, marketing, hosting and coaching. They did not do any other the things that were sold the custom website was never done instead they gave bus an empty cookie cutter that we were to do ourselves. The coaching was about selling on eBay and not at all relevant to the site. They did no marketing and the hosting was terrible the site was constantly down. This company has failed to provide the services that were sold to us and when we complained we were told that we did not buy the complete package and paid them another {$7000.00} and nothing further happened. This company has defrauded us by deceptively selling us this opportunity giving us false hopes and expectations of what would come. The intention of this business was to supplement our retirement income and has done nothing more than indebt us. They claimed that they would teach us and assist us in starting and running this business. I had thought I was at a loss as I have been told that I can not dispute charges over 60 days old. I have since discovered that this is not true since these charges are a direct result of fraud and misrepresentation from a telemarketing company. This being the case, I have the right to dispute these charges for up to XXXX year from the billing statement under claims and defenses.
Product: Consumer Loan

In XXXX of XXXX I bought a new car -A XXXX XXXX XXXX - The original cost of the car was {$19000.00} of which it would make a loan of 3.99 % for 60 months or payments of {$360.00} Unfortunately, I was trapped into buying additional power train insurance - The insurance was sold as an additional {$100.00} a month instead of financing an additional {$2700.00} and XXXX at {$3700.00} making the loan {$26000.00} - When I realized that the loan now was {$26000.00} Instead of {$19000.00} I complained the dealership - I was able to recover some of the money that I paid for the additional insurance - ( see detail payment loan payments ) My loan was not adjusted to the original 3.99 % interest for {$19000.00} @ 60 months or a payment of {$360.00}. I have continued to pay the loan at the higher amount of {$490.00} a month as if the loan was $ XXXX I have been paying the higher amount for the last 2 1/2 years - I requested to Wells Fargo to adjust my loan to the original amount and adjust the payment as {$120.00} Extra as additional loan payment towards the principal and adjust the remaining of the loan accordingly to the lower loan payment. 

Please see attached additional information XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

LJ Ross assoc has an account on my credit report from consumers energy in XXXX mi. from XX/XX/XXXX in XX/XX/XXXX they threatened to take me to court. It was for {$2000.00} with fees and interest it came to {$2600.00} so i took out a loan from my retirement fund and paid it off in XX/XX/XXXX.I am trying to clean up my credit report and asked LJ ross to delete the account, they said only if the original creditor asked them to delete it.I contacted consumers energy and they were willing to help me out and made a call to LJ ross. XXXX at consumers XXXX XXXX was refused. So i called LJ ross back and they said he did not ask them to remove it, XXXX called back and was very specific this time and was refused again, so for a third time i spoke with XXXX at LJ ross XXXX she again said that if consumers energy called them they would have the account deleted from my credit report, this time with in XXXX minutes i had XXXX from consumers call LJ ross and again he was refused. I never went to court I payed it off way before the court date came up.please help.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke To a representative from XXXX MasterCard through synchrony bank. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX  and XXXX
Product: Debt collection

My husband already advised Comenity Bank that we were working with a debt consolidation company to resolve our debt and gave them our lawyers name and number. They have spoken with our lawyers but continue to call and harass us daily! Even on weekends and holidays! They call my job constantly and embarrass me and they call ALL of my family members. I dont even know how they got everybody 's number! I just want it to stop. I am developing anxiety from this and cant sleep at night due to the continuous harassment.
Product: Debt collection

Ive never owned a credit card I use cash so this has to be wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$2500.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX  A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit card or prepaid card

I called AMEX on XX/XX/XXXX to dispute a charge on my card. the dates of the purchase were on XX/XX/2022, for {$2700.00}, and XXXX XXXX for {$9500.00}. When I talked to an AMEX representative she told me that the transactions I did were over a year and they can't do anything with respect to that due to AMEX policies. I explain to them that the company I made the purchase with an AMEX card was under investigation by the FTC due to speaking consumers using false or unfounded promises that its infallible system can help consumers find financial freedom, replace their day jobs, and give their families financial independence. 

According to the FTC, XXXX and its principals, along with the companies behind the scheme ( XXXX XXXX , XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX ) have pocketed millions of dollars from consumers while violating numerous laws, including the FTC Act, the Business Opportunity Rule, the Consumer Review Fairness Act, and the FTCs Cooling-Off Rule.
Product: Debt collection

i have received a letter from a company called AMSHER COLLECTION SERVICES INC. 
This company is located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX.This company is attempting to collect a debt that we dont owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX on XX/XX/2018. I was denied and when I called back to see if they would reconsider the rep advised that they would give it another review with a manager and would NOT pull another credit report since they just recently pulled it. However, on XX/XX/2018 my credit was pulled again without my consent. The second pull should be dropped from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not close this complaint. This dispute is unrelated to complaint XXXX. Experian and XXXX were not listed in the previous complaint. 

I am filing this complaint against Experian and XXXX for failing to delete and discharge an inaccurate public record account from my report. They're stating I have a bankruptcy listed from XX/XX/2017. I sent them a letter demanding copies from the court showing this public record is valid. They did not send me the documents I requested and refuse to remove the account. I am frustrated and dismayed about this erroneous item on my credit report. I also found out from Representative XXXX XXXX of the House Select Subcommittee that Experian and XXXX have been discarding disputes they know violates the fair credit laws.This public record account is inaccurate, invalidated, unverifiable and questionable. Please ensure this account is deleted and XXXX immediately.
Product: Debt collection

Resurgent Capital Services is in violation of the FDCPA by refusing to cease collection efforts after receiving written notification of my disputes against the collection accounts they claim I owe them money for. 

Resurgent Capital Services is also in violation of 15 USC section 1692 e ( 10 ) when they sent correspondence from XXXX XXXX XXXX on their behalf where XXXX XXXX XXXX claimed Resurgent Capital Serivces to be the creditor of the debts they claim I owe them which is provably false. 

The law is very clear regarding false misrepresentation and deceptive practices, and them allowing XXXX XXXX XXXX to represent themselves as creditors is false. The same thing happened to a consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services, and resulted in a bench trial and the conclusion was that Resurgent Capital Services had to pay {$250.00} per FCRA violation to XXXX XXXX They very clearly violated 15 USC section 1692 e ( 10 ) by doing the same thing to XXXX that they have recently done to me by allowing a company who represents them to send me correspondence that list Resurgent Capital Services as the current creditor which again is provably false. 

This correspondce from XXXX XXXX XXXX was also sent during a time when I had open disputes against Resurgent Capital Services regarding their inaccurate unvalidated credit reporting, and was also sent during the 30 day waiting period of receiving my written disputes. This is a violation of federal law which states that when a debt collector receives written notification a consumer dispute they must cease collection efforts for 30 days to complete a fair investigation. Unfortunately Resurgent Capital Services failed to abide by this law. 

I do not and have never had a contractual obligation of any kind with Resurgent Capital Services, nor can they provide any documentation showing that I have a signed contract with them regarding the two accounts they say I owe them money for. In fact, in XXXX of this year I requested for Resurgent Capital Services to provide a sworn notarized statement by a person who originally had knowledge of the alleged debts and they have failed to provide such documentation, and are continuing to report the negative tradelines. 

I also believe that Resurgent Capital Services is in violation of 15 USC section 1681 a ( b ) which prohibits collection agencies from reporting payment history on collections accounts. I have printouts of my credit reports from all three credit bureaus that show that they are reporting payment histories on collection accounts which is a very clear violation of the FCRA. 

I am demanding that they address and resolve my claims by deleting the negative tradelines from my credit reports and to cease from selling the collections accounts to another entity with prejudice. And this goes for both negative tradelines they are currently reporting.
Product: Credit card or prepaid card

In early XX/XX/XXXX, I initiated a balance transfer of {$10000.00} on a Chase Slate credit card. The online form I filled out indicated that the fees generated from this transfer would be {$0.00} because I was initiating the transfer within a promotional window that allowed by free balance transfers. 

However, after the transfer went through on XX/XX/XXXX, I was charged a fee of {$520.00}. Chase indicated that even though I submitted the transfer before my promotional window closed, the transfer did not go through until AFTER the deadline, and so I was charged the fee. 

I argued with Chase about this since I had no power over how long the transfer would take and I feel like they lengthened the transfer time specifically so they could charge me a fee. 

I sent numerous messages and made phone calls to the company to recoup my fees but was rebuffed.