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

Recently, I did an investigation on my consumer report which has caused XXXX XXXXXXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : 1. XXXX XXXX Open Date : XX/XX/XXXX 2. XXXX XXXX XXXX Open Date : XX/XX/XXXX 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX 4. XXXX XXXX Open Date : XX/XX/XXXX
Product: Debt collection

Asset Recovery Associates said I have a XXXX debt from XX/XX/XXXX ; I filed bankruptcy in XX/XX/XXXX ; Collection company says this debt is not recognized by the bankruptcy but my lawyer says it is ; Collection company says they are going to place leans and garnishments if I do n't pay XXXX immediately. The loan was paid down to XXXX from the original XXXX yet the collection company says I owe XXXX if I do n't pay XXXX by the end of the phone call. This company has been reporting this debt to the credit companies. They also ran a credit check on me during the phone call without my permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Inaccuracies on Credit Report Dear Experian, I am writing to formally dispute inaccuracies on my credit report related to my XXXX auto loan account ( Account Number : Partial # XXXX ). I have identified several discrepancies that require immediate correction : Missing Payment History : My credit report indicates multiple months with No Data for scheduled and actual payment amounts. Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. 
Inconsistent Recent Balances : The recent balance listed as {$8000.00} as of XX/XX/year> conflicts with previous balances ( e.g., {$8000.00} in earlier months ). This inconsistency misrepresents my credit utilization, violating the FCRAs mandates for accuracy and integrity in reporting. 
Unreported Monthly Payment : My monthly payment amount is not reported, violating the Truth in Lending Act ( TILA ), which requires creditors to disclose all terms of credit, including payment amounts. 
Investigation Comments : The notation consumer disagrees requires clarification. Under the FCRA, I have the right to dispute inaccurate information and receive a timely investigation. 
Additionally, I would like to draw your attention to the following consumer laws relevant to my situation : Under 15 U.S. Code 1681c-2, a consumer reporting agency must block the reporting of any information identified as resulting from alleged identity theft within four business days of receipt.

Per 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation for not reporting 100 % accurately.

In accordance with the FCRA, the inaccuracies on this account violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy.

Pursuant to 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting an original copy of the agreement and terms and conditions associated with this account. Failure to comply will result in forfeiture of your claims and require you to delete all items mentioned above. You must block these transactions from being reported on my consumer report within four days of receipt of this notice.

Resolution : I request the deletion of these accounts unless you wish to be held accountable for {$1000.00} per account for violations of the FCRA. 
I look forward to your prompt response to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

Card was charged for something I accidentally purchased with my credit card ending in XXXX and I'm requesting a full refund in the total of amount of {$120.00}. Based on consumer reviews, the company has excessively 1 star reviews and complaints about the company not providing services as promised that is advertised shown on their website. 

Name : XXXX XXXX Date of Birth : XX/XX/year> Last 4 digits of SSN : XXXX Card ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are errors.
Product: Credit reporting or other personal consumer reports

My Social Security was sold on the dark web, 2 accounts were opened under my name, from two CompaniesXXXX XXXX XXXX and XXXX. I have repeatedly asked for proof of statements, because it was apparently done online, fraudulently using an electronic signature. I kept receiving bills with a different amount Every month. After I refused to make payments, XXXX XXXX, although apparently the same company, were both sending my statements. Then, they started reporting late payments to all 3 credit bureaus, creating a very low credit score for me. Then after they couldnt prove either to be my account, they sold them to a credit collection agency, XXXX XXXX, XXXX. They have closed the accounts, but it is now, recent put back on as 30,60 and 90 day late payments for XXXX, and XXXX 30 day lates and one 90day late, with 2 charge offs. XXXX XXXX company had previously been removed, now its showing as a collection account on my credit report. 
.
Product: Consumer Loan

UAC finance my finance manager told me that my payment was due on XXXX XXXX this was on XXXX XXXX i confined it with her the times then on XXXX XXXX i was notified that my payment for XXXX XXXX was past due and that if i do not pay it they are going to take my car i expand to them what was told to me by my finance manager and tried to work it out with them but they refused to work with me
Product: Credit card

I paid XXXX bills through my XXXX bill pay app on XX/XX/XXXX. All payments posted within 24 hours. Except my CapitalOne credit card. The due date was XXXX XXXX. They posted my payment on the XXXX. Which earned me a hefty late fee of {$40.00}. This has happened to me several times in XXXX as well. Today, I spoke with one of their representatives and he was unable to reverse the late fee. Then, I spoke with supervisor XXXX. He claimed he couldn't reverse it either. How can I stop them from doing this?? I'm down {$160.00} in late fees as well as the interest they charge. I feel helpless in this situation and could sure use your help! Thank you.
Product: Debt collection

I have my several hard inquires on my credit reports. I have never applied for any credit with this company and would like them to remove there inquires and remove any of my personal information they have fraudulently received from there records
Product: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/XXXX Incorrect Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX  XXXX, XXXX + Auto FinancingXX/XX/XXXXXXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, New   XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XX/XX/XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Unions XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX XXXX, XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, New XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XX/XX/XXXX- XX/XX/XXXXInquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX - XX/XX/XXXXInquiry from XX/XX/XXXX + Miscellaneous Utilities XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XX/XX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXXXX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX9 + All BanksXX/XX/XXXX -XX/XX/XXXXInquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXXXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + All Banks all ftc violations sent to them 60 days ago
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose kindly do it payment as agreed or payment on time.
Product: Checking or savings account

I recently had a name change and I trying to update my information with everyone. I had a checking and saving account with Bank of America, however, the checking account was closed. I believe I still have a savings accounts, however, I dont have the account number or anything to authenticate myself.
Product: Credit reporting or other personal consumer reports

I purchased a USED XXXX XXXX from XXXX XXXX in 2023. They told me they were adding gap coverage due to the high amount might loan was as well as a warranty into my total price. They charged me almost XXXX XXXX  for a car that was worth XXXXXXXX XXXX at the time. I was completely taken advantage of as he knew I was new to the car process. After a few months an issue came up with my vehicle that required work that should have been covered by my warranty, I called XXXX XXXX to find out that they had closed. I had to XXXX who had my loan and what was happening, they sold my loan to XXXX XXXX XXXX and I needed to get ahold of them. Upon getting ahold of them they informed me that XXXX was NOT honoring any of the warrantys that we paid XXXX XXXX for and if we wanted the refund we had to deal with XXXX XXXX. Fast forward after dealing with that issue myself my car was totaled in a hit and run. I called XXXX and they informed me they were not honoring any gap coverage that we may have paid the company for. I was paying XXXX XXXX a month for over a year on this vehicle, after it was totaled XXXX was telling me I still after a year of paying owed almost XXXX $ on the car. They also informed me that due to them not being able to honor my GAP coverage that XXXX XXXX took money from me for I had to pay back this XXXX . My insurance paid out XXXX to XXXX leaving me with XXXX & to pay. I dont know what happened to my payments made to XXXX XXXX before they went out of business ; I dont have any money from any warrantys or gap coverage back and now this company wants XXXX XXXX  for a totaled car while they RUIN my credit. I need some help with where to turn next. XXXX will not help me. They have since written off the XXXX XXXX they are still saying I owed as a bad debt on my credit. So now my credit is suffering tremendously. This company has taken so many peoples money, I dont believe I owed them that.. and I would like it taken off my report and labeled as a closed account.
Product: Credit reporting or other personal consumer reports

Obtained a copy of my credit report from Equifax. Upon reading my report I noticed unauthorized inquiries on my report. I do not have any knowledge on these companies listed below : XXXX XXXX XXXX Stellantis XXXX XXXX  XXXX TT of XXXX XXXX I have filed a report XXXX FTC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXXXXXX  XXXX XXXX not mine
Product: Bank account or service

My husband gave me a check to deposit into my account for money he owed me. The check did not clear and therefore, was not cashed. Yet, my account was closed due to his check not being a good check. On top of it all, I recently tried to get a bank account but only now was I told I am being reported by XXXX and that this is why I ca n't get a bank account anywhere. It has been almost 5 years that I have been paying for someone else 's mistake, yet I was reported to XXXX and not the person with the bad check. U.S. Bank is reporting me for XXXX items and they can not even tell me how the amount got to where it is. How can you demand money from someone and not be able to provide how the amount is itemized. I have placed a dispute with XXXX, and was unsuccessful and I have contacted U.S. Bank directly and was unsuccessful. I am just trying to understand what is going on and how I am liable for a bounced check that could never clear when it was someone else 's check ....
Product: Credit card

Hello, I ordered a set of aligners from XXXX in XXXX of 2022 for {$1900.00}, which I received. As part of the purchase, XXXX offered a lifetime guarantee to give its customers a smile they are happy about. I had started the program with the idea of some small corrections to my upper teeth and minimal changes to my lower teeth. My teeth did not move in the way they were intended to by XXXX, and my XXXX XXXX XXXX XXXX XXXX and my upper teeth have not had the small issues fixed. The treatment worked great for the first month or so and I ordered a set of retainers for when I was done with my treatment. However, after some more time passed and my teeth were no longer moving as expected, I sent in a touch-up request to XXXX to XXXX another set of aligners to move my teeth the way they were intended to. The retainers I received did not fit my new smile, and the company was supposed to correct the {$190.00} charge but did not do so. 

XXXX sent me another set of aligners for the touch-up request, and I had a similar issue to last time. I sent in another touch-up request and XXXX sent me a set of aligners that did not my teeth at all due to an error from their end. They sent another set that fit my teeth better, but my teeth yet again did not move as expected. After bringing this to the attention of their customer service team, they denied another touch-up request and said I had met my results. This was despite my XXXX XXXX XXXX now vs not crooked when we started. After some back and forth with customer service, they told me to order another set of retainers to guarantee I maintain my lifetime guarantee. I ordered the retainers ( {$170.00} ), and they did not fit my teeth. 

After this, I sent in another touch-up request explaining the issue, and they approved it. I was supposed to receive the new set of aligners this week or next week, but the company has now ceased operations and cancelled all deliveries. The merchant has cancelled the agreement unilaterally due to financial and operational challenges. 

I filed this dispute because XXXX did not hold up their end of the agreement of providing the goods and services to improve my smile. They made my smile worse and now have left no way of continuing treatment / restitution. I have included the last contact I received from the company and PDF of their website here with information on the go-forward plan for XXXX. 

Chase investigated the dispute and the charges remain on my account. 

Best, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( block , Inc . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process wasunfair and deceptie, as they did not comply with error resolution requirements under the electronic fund transer act ( EFTA ) and regulation e. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE LISTED ACCOUNTS HAS VIOLATED EACH OF MY RIGHTS. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 CONSENT 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 AN OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SVEN YEARS.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Vehicle loan or lease

Went to a XXXX XXXX because we needed a reliable vehicle after filing out the credit application online that they provide thru the dealer website. We get there and find a vehicle of interest and agree to proceed with purchase. So we sat there for 4 hours waiting for finance manager to talk to us, when he finally does, its a hour after the business hours now and they should be closed. So he shows me what the monthly payment would be considering credit score and it was acceptable. But then never went over anything else like amount of months of loan, percent of financing ect.,, So I assumed that it was the numbers from the preapproval but after getting home a hour later and looking at the paperwork, the financed percent was 19 % not 9.84 % and the amount of months was 72 not 60. 
And the worst part was that I was financing {$13000.00} and it said I would have to pay {$28000.00} total after financing. Not to mention I put {$5800.00} cash down!. 
There is no way they can get away with what just happened. How does a single mother of 2 afford such a thing and why is none of this overlooked by government/state.
Product: Money transfers

A customer initiated a chargeback through their credit card company and Paypal, they gave the customer a full refund without them returning the items. On XXXX XXXX 2016 our company installed a split A/C system at the customers house, the items are as follow : XXXX XXXX : XXXX C/U serial : XXXX A/H model : XXXX A/H serial : XXXX Heat model : XXXX Heat XXXX The item came with 10 year labor and parts warranty and passed all necessary city inspections. After almost 6 months, on XXXX XXXX 2016, the customer initiated a chargeback through Paypal and the credit company, citing defective merchandise. Even though the items have a 10 year labor and parts warranty, we agreed to issue a refund if they returned the items. Even agreeing to pick them up for free. On XXXX XXXX 2016, the chargeback was ruled in favor of the customer, and there was no stipulation of returning the item. So the customer got the money back, which was {$4000.00}, and does not have to return it. This has happened over 3 times between us and Paypal. Where customers have initiated a chargeback, and Paypal claims to have fought in our favor with the credit card companies. In each instance the credit card companies ruled in favor of the customers and they all got to keep the items. We filed extensive paperwork with Paypal showing each step of the process between us and the customer. Our complaint is against Paypal and how they handle their chargebacks. Since we are basically having our A/C systems given out free when the customers do not have to return them.
Product: Checking or savings account

I opened a checking account with Chime on XX/XX/2022 and updated my job to have my paycheck direct deposited into this account. On XX/XX/2022 my account was closed immediately without giving a specific reason. After hours of calling and talking to multiple people from chimes member services they could not give me a specific reasoning why my account was closed and could only tell me that I must of violated one of their agreements. I was only able to have one paycheck deposited into this account before it was closed for the amount of XXXX, because of opening the account I was given a free {$15.00} from chime as well as a free {$100.00} because I used direct deposit and it was their bonus. On XX/XX/2022 I initiated a transfer from my chase checking account of XXXX dollars to be sent to my chime checking account and it was to arrive on XX/XX/2022 to that account. Since my account was closed on the XX/XX/2022 I have lost access to any of my funds in the account and have already sent document to chime to prove my identity but they have not gotten back to me and have made no effort to assure me that my funds will be returned to me. I need assistance contacting this company and have my funds returned to me. Thank you
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in a state of confusion, as I am writing to express my sheer bewilderment at the ongoing circus that my credit report has become. It has recently come to my attention that in addition to the mind-boggling number of fraudulent accounts already haunting my credit profile, you have managed to conjure up even more of them! XXXX! Your incompetence truly knows no bounds. 
Let us, for a moment, ponder the exquisite absurdity of the situation. It appears that not only can you not remove the existing fraudulent accounts, but you also have a talent for spontaneously generating new ones! It's almost impressive how you manage to compound the errors on my credit report with such consistency. 
Should I attempt to dispute these additional phantom accounts? Should I resign myself to the fact that my credit report is now a work of avant-garde fiction? Or perhaps I should just sit back and applaud your dedication to the art of credit reporting surrealism. 
In the spirit of this confounding situation, I formally request the removal of the following accounts, which I am still trying to wrap my head around : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX