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

Transunion is not allowing me to access their website I get an error message even though all of my information is correct, I am trying to get information from them, I called the agency I was put on the phone with two separate people who both gave me different information about my account. I am not able to get accurate information from the agency.
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 15USC 1681. 

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 602A. States I have the rights to privacy.

15 U.S.C 1681 section 604A. 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 that records of convictions of crimes with 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, credit repair services, or other personal consumer reports

Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX   XXXX XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  XXXX has been reporting the incorrect month and year of last payment made. They have been reporting the last payment made XX/XX/XXXX. The correct date for last payment made was XX/XX/XXXX. I will include my TransUnion credit report. XXXX XXXX  has been reporting this error for awhile. I would like them to at least consider making an update to the information that they have been providing TransUnion
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} INQUIRIES : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject-dispute of inaccurate Information on Credit Report I am writing to formally dispute Information on my credit report in accordance with the provisions outlined in 15 U.S. code 1681 i have carefully reviewed my credit report and i have identified the following inaccuracies : XXXX XXXX XXXX  Account-XXXX  Amount- {$300.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX Serv Account-XXXX  Amount- {$2400.00} - - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX Account-XXXX  Amount- {$600.00} - I do not have a contract with this company and i don`t owe debt, please IMMEDIATELY XXXX XXXX XXXX Account-XXXX  Amount- {$27000.00} - I do not have a contract XXXX this company and i don`t owe debt, please IMMEDIATELY I am Requesting a thorough Investigation into these items, as they are not reported accurately. i have included supporting docs that substanitate my claim. 

Please ensure that these docs are taken into account during your investigation.

According to the Fair credit reporting Act ( 15 US code 1681 ) you are required to compete your investigation within 30 days of receiving this letter. i kindly request that you provide a written response, including the results of your investigation and any actions taken, within the timeframe, if you determine that the information is indeed inaccurate, i ask that you promptly Correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past six months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

Sincerely, XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2015 XXXX XXXX called indicating that I owe XXXX XXXX XXXX an amount over {$500.00}. I asked where did he get that figure from and he said it 's allegedly what I owe plus fees. He further indicated that I committed fraud and that Ace will pursue me if I did n't make a payment that day. I asked him to clarify what he meant by pursue and he said that ACE would levy my bank accounts and paychecks. I mistakenly made a payment without researching his company which he failed to mention at the beginning of the call. He said I could settle the account by paying {$270.00} and I asked for an email stating that the account is resolved and that there would be no further obligation. I called back on XXXX XXXX because I had n't received the email. He said he would have his administrator send it in that moment. That e-mail never showed which is when I became suspicious. The number he called from was unlisted. I called XXXX and was told I allegedly owe {$250.00}, they had no idea who XXXX ( entity listed as taking the payment ) is and that a company called XXXX XXXX is handling the case but it could also be resolved on their website. I called my card company to start a chargeback and the company has refused to reverse the payment from XXXX attempts so far. I have been getting calls since then from XXXX XXXX which are saved to my voicemail. He XXXX stated I need to tell my sister there 's a problem with the payment. My sister has nothing to do with this situation. In the second call he says there 's an attempt for a chargeback to call back. Today XXXX XXXX, the number he calls from shows up on my caller ID as Executive Acquisition and when I look up the number it 's a cell phone. This time he says " they are going to press charges because you gave them a fake checking account and you committed fraud ''. This is indefinitely a false accusation. He does n't even say XXXX so who is he referring to when he says they? In addition, he fails to say his name or where he 's calling from but I recognize his voice because he 's the only person who 's been calling. At this point I do n't know who this company is or who they are representing. I 've also seen other complaints about all three of the above mentioned companies with the exception of XXXX. I want my {$270.00} back and will deal with XXXX directly. I need help to stop these people and get my money back.
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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is a not a duplicate complaint and I'm not using any third party for this matter. The account that I'm disputing in litigation : XXXX XXXX XXXX Account Number : XXXX. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW, 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 
I have contacted the Creditor for this matter and they confirmed, that EXPERIAN NEVER SENT ANY REQUEST FOR THIS MATTER.
Product: Credit card or prepaid card

XXXX XXXX American Express XXXX Card Credit Balance : {$24000.00} Account number ending - XXXX Obligor has not received any refunds for credit balances for this account. I have reasonable cause to believe that I have been induced into an adhesion contract with extortionate terms I would never agree to. 

American Express has breached their fiduciary duty by engaging in unlawful extortionate means in a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce. American Express has jeopardized my the consumer credit reputation to coerce payment of this extension of credit and punish me for the nonrepayment thereof. This constitutes unauthorized use of a credit card and violates TILA, FCRA, GLBA, CFPA, FTC Act, The Sherman Antitrust act and The RICO Act. 

I would never knowingly consent to any conditions or provisions that would allow American Express to engage in embezzlement and aggravated identity theft. I disaffirm any alleged agreement or contract, whether implied or explicit, with American Express. 

Any payments made to this account were a result of threat, duress, and coercion due to undue influence. I have never agreed to any of these terms if I knew I had a choice. I have reason to believe, American Express XXXX XXXX XXXX XXXX XXXX 

This account is a billing error. Provide documentary evidence of the obligor 's indebtedness to American Express.
Product: Credit card

I opened a credit card account XXXX with capital one about 2 years ago to fix my credit but has done the opposite. I had a card with them about 7 yrs ago and remember had to dispute because someone else was using my card and making purchases which i think its the case now. 
I havent had activity on this card from over a year now and they keep charging me interest fees for cash advances that i havent made. 
Trying to talk to them is impossible as they never return your calls. I do believe capital one its a scam, specially after having this problem twice w them. They keep reporting to my credit bureau when i havent had any activity for over a year and are just purposely destroying my credit. 
Please help
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report this morning, I was dismayed to see unauthorized inquiries that I cant explain. Ive checked my report regularly, but this time, these discrepancies caught me off guard. I tried refreshing my browser, thinking it might be an error, but the inquiries didnt disappear. Given the seriousness of this issue, Im asking for a detailed examination of the documents I've sent to ensure I dont have to deal with this stress again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm an extended identity theft victim who has legally done everything I can reasonably do and have forwarded all requested information from the credit bureaus to support my claim. XXXX and Transunion blocked XXXX  XXXX XXXX and XXXX credit cards that contained fraudulent activity with my FTC identity theft report then unblocked it because the creditors told them to do so as was told to me. Per 605B my report should legally blocked incorrect information as a result of fraud. Both bureaus also have my original police report and numerous formal letters requesting the block. By their incorrect and unfair reporting I continue to suffer damages and my once good credit name is tarnished. This is wilful non compliance. That legal document is binding and shouldn't be dismissed by disgruntled creditors. Per the FCRA and FCBA the bureaus must report XXXX accurate information and any billing or balance discrepancies are not to be reported. Both bureaus continue to report incorrect and harmful information. As a battered consumer I'm very upset and have very little trust with these credit bureaus and how they report and protect my personal information. I'm requesting an investigation into these unethical practices that are one sided and seemingly against the consumer and our logic. No one knows me and credit better than me. If the bureaus can not prove otherwise then they should accept my request and documentation and correctly update my credit reports.
Product: Debt collection

CFPB Complaint and Dispute Letter with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX RE : Complaint and Dispute Regarding XXXX XXXX XXXX Dear CFPB, I am writing to file a complaint and dispute against XXXX XXXX XXXX ( XXXX ) regarding a debt they are attempting to collect from me. I am disputing the validity of this debt and I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter. 
Dispute of Debt I am disputing any and all claims made by XXXX XXXX XXXX that I owe them a debt. I have no knowledge of or responsibility for this alleged debt. 
Revocation of Communication Rights I hereby revoke all of XXXX XXXX XXXX ' rights to communicate with me regarding this alleged debt via email, text message, or phone call. All future communication must be done in writing and sent to the address listed above. 
Request for Debt Validation According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a debt validation notice that details the amount of the debt, the name of the original creditor, and the date the debt was incurred. I request that XXXX XXXX XXXX provide me with a complete and accurate debt validation notice as soon as possible. 
Request for Purchase Agreement I also request a copy of the purchase agreement between XXXX XXXX XXXX and the original creditor for this alleged debt. This document will help me to determine the legitimacy of the debt claim. 
Request for Proof of Licensure and Bonding Furthermore, I request that XXXX XXXX XXXX furnish me with proof of their licensure and bonding to collect debts in my state. 
I am concerned that XXXX XXXX XXXX may be violating the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that I do not owe. I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX if necessary. 
Thank you for your time and attention to this matter. I look forward to your response and the resolution of this complaint. 

Sincerely, XXXX XXXX XXXX ( ID and PROOF )
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice of FCRA Violation and Request for Corrective Action Dear Sir/Madam, I am writing to formally notify Fifth Third Bank of a serious issue regarding my credit report that appears to be a violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered inaccurate and falsified information regarding my payment history with Fifth Third Bank.

Specifically, the payment history on my credit report reflects discrepancies that do not align with my actual payment records. This erroneous reporting has significantly impacted my credit profile and has caused undue harm to my financial standing.

These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. **Accuracy of Information ( 15 U.S.C . 1681e ) ** : Creditors and furnishers of information to credit bureaus are required to provide accurate and complete information. Intentionally reporting false information or inaccuracies is a violation of this section.

2. **Duty to Correct and Update Information ( 15 U.S.C . 1681i ) ** : Upon discovering inaccuracies, the furnisher of the information ( creditor ) must investigate and correct any inaccuracies within a reasonable timeframe.

3. **Prohibition of Reporting Information Known to Be Inaccurate ( 15 U.S.C. 1681s-2 ) ** : Creditors have a duty to provide accurate information to credit reporting agencies. Knowingly reporting false information or failing to correct inaccurate information is a violation of this section. 

XXXX. **Willful Noncompliance ( XXXX XXXX. XXXX ) ** : If a creditor willfully fails to comply with any requirement imposed under the FCRA, they can be liable to the consumer for actual damages, punitive damages, and attorneys fees. 


I kindly request that Fifth Third Bank takes the following corrective actions promptly : XXXX. XXXX a thorough investigation into the inaccuracies in my payment history that have been reported to credit bureaus. 
XXXX. Rectify and update the inaccurate information to reflect the correct payment history. 
3. Provide me with a written confirmation once the corrections have been made and ensure that the updated information is reported to all major credit reporting agencies.

Additionally, I request that Fifth Third Bank provide me with any and all records related to the reporting of my payment history to credit bureaus, as allowed by law.

Please be advised that failure to address this matter promptly and appropriately may result in further legal action to remedy the damages caused by the inaccurate reporting.

I expect a response within 30 days of receipt of this letter. Your immediate attention to this matter is greatly appreciated. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided contact information.

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.
Product: Credit card

I kindly request that you promptly update my account to reflect this accurately.
Product: Credit reporting or other personal consumer reports

I am listing 6 fraudulent inquiries from my Transunion and XXXX 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 XXXXXXXX listed inquiries do not belong to me and must be removed from my transunion and XXXX credit report. i had a call with all companies and credit reporting agency and was adviced to fill identity theft report for deletion i am requesting transunion and XXXX to mark listed inquiries as fraudulent and remove them from my credit report.
Product: Vehicle loan or lease

On XX/XX/2022 I walked into XXXX XXXX, XXXX to finance a vehicle for personal and family purposes. Looking over my contract I have noticed that their company violated the Truth-In-Lending Act Law that should have been honored within my contract. They also violated my Right to Rescission ( 12 CFR 1026.23 ). The total sale price on the ( XXXX ) XXXX XXXX XXXX is {$31000.00} with {$1000.00}. 

I wrote a Notice Rescission of Transaction, along with an Affidavit of Truth of Deceptive Business Practice, and a hand written letter to CFO XXXX XXXX XXXX & XXXX XXXX XXXX, and I sent it Certified Mail. I made him my limited power of attorney. I gave him full power to apply the principals balance to the principals account and to communicate in writing upon the completion of the authority I gave him.
Product: Debt collection

I was the responsible party since this debt was for my son. At time of billing XXXX neglected to add his secondary insurance ( XXXX ) & therefore a balance was generated. They also inaccurately noted his medical record, not reflecting the accurate diagnosis code. This caused his primary insurance ( XXXX XXXX XXXX ) to not pay the entire balance. I contacted XXXX ( the biller ) and requested that they re-submit the claim with the proper diagnosis and to also bill his secondary insurance since they failed to do so the first time. The account was placed in collection status. They are re-reviewing the claim but the negative reporting of this account in collection status is still not resolved. The collection company, Medical Data is saying I can not dispute the account and that they can not remove or update the account until XXXX calls them. I contacted XXXX and they stated that the collection company needs to contact them. So everyone is passing the buck and no one is taking responsibility for updating this account of my credit report. 

The date of service was XXXX. At that time there was no covid processing procedures, and the hospitals did not have test on site. Upon validation of certain symptoms & exclusionary test, patient would be refer off site to a restricted site for testing. At this time, XXXX XXXX only had 3 test for the county. 

I would like to dispute this collection account. Ensure that everyone processes, bills and codes this account correctly. This is negatively impacting my ability to secure financing for my vehicle.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 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 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 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 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 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 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 XXXXXX/XX/XXXX