23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased and financed a vehicle in XX/XX/XXXX at that time I also purchased some Service Contracts as well as a Gap Insurance policy. 

XX/XX/XXXX my car was in an accident and deemed a total loss. My Insurance Company immediately paid the cars value, which left a gap amount of approximately {$4400.00}. 

My Gap Insurance responded with a number of excuses, they did everything except pay the claim. This lead me to file an insurance complaint with Florida Department of Financial Services. 

My GAP policy stated that the policy was between the dealer ( Mercedes Benz XXXX XXXX, FL ) and I, which lead me to list " Mercedes Benz '' as the provider on my complaint. 

Mercedes responded that they do not sell insurance but yet instill they did pay some some of the balance due. Mind you I have been emailing Mercedes since XX/XX/XXXX to have this GAP balance paid and after all that on Friday XXXX I received a call from a collection agency. 

The agent stated that she was calling on behalf of Mercedes, I  couldn't believe that they had my account sent to collections without the courtesy of a phone call or a letter to update me on the final status. 

This lady went on to tell me about my account my account being in collect of course Mercedes made it appear as if they have been trying to collect since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that was not verified and still being reported on my report, FCRA states accounts must be verified or removed. XXXX XXXX XXXX XXXXXXXX needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} Original Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The law is very clear as a civil liability and the remedy available tome for negligent noncompliance ( section 617 ) I would like for all the inquiry to be removed and old account that are old to be deleted as well. Experian has wrong information which includes my name, address. They have account on my credit report that closed and supposed to be taken off. I have inquiry that also supposed to be taken off. I called and couldn't get nobody on the phone and when
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing a recent copy of my credit report, I discovered fraudulent accounts that are directly impacting my score and my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

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

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX  acct # XXXX, h

as violated my rights. 15 USC 1681 section 602 A states I have the rights to privacy. 15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Moved in XX/XX/XXXX, spoke to the office manager XXXX to let her know the smoke in the apartment as well the disregard in cleanliness were overwhelming. 
XX/XX/XXXX - Sent a follow up email asking for help to resolve this, heard nothing back. On this day, I bought cleaning supplies for about a XXXX dollars to try and remedy the smell. 
XX/XX/XXXX - Asked the office for help again and did not hear back. 
XX/XX/XXXX - Reached out yet again, received a response that they would credit me the cleaning supplies but nothing to get rid of the smell. Let them know that there were cigarette stains/ burn holes all throughout the bathroom and no response. 
XX/XX/XXXX - After spending months stayed with friends, asked if I could terminate the lease as nothing had been done nor was any other option given to me to not have to live in a smoke filled apartment. Reached out to the office to let them know my mailbox was broken into for the XXXX time as well. 
XXXX XXXX They quoted me the termination fee. 
XX/XX/XXXX - XXXX, Office manager, said I would not have to pay any other additional fees. 
XX/XX/XXXX - XXXX my final bill ( attached below : moveout statement ). Explained that I was moving because conditions were not as promised and nothing had been done, but no response. Never received any notification on an additional bill.
Product: Credit card

I recently paid both of my PNC credits card balances off in full. PNC has decided to punish me by stripping away all but barely {$1000.00} credit limit on each card. They took away $ XXXX in credit from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020, a collection showed up on my credit report for the second time after it was already disputed and removed. It is the only collection showing up abs I have never borrowed personally from this entity being XXXX XXXX showing the original creditor being XXXX XXXX. They do not offer personal loans and do not report to credit as Ive investigated and now this is the second time showing up on my Transunion credit bureau after it was already investigated and removed. Transunion is not doing there duediligence with these fraudulent happenings which is cause grief and frustration to myself and my family when we are already going through enough during COVID-19 and have lost family. I have contacted the Federal Trade Commission to get involved during this matter. I can not deal with the way they are handling this and can only imagine others getting treated this way
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of account XXXX XXXX XXXX XXXXXXXX XXXX. There is no balance owed on this account, yet you are incorrectly reporting a balance of {$370.00}. I have attached documentation from the company confirming that no balance remains. 

Despite my repeated attempts to correct this issue over the past three months, you have failed to provide any verification to support your claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as you are required to ensure the maximum possible accuracy of the information you report. 

Due to your negligence and noncompliance with FCRA regulations, I am demanding the immediate deletion of this account from my credit report. If this matter is not resolved promptly, I will have no choice but to pursue litigation and seek monetary relief for statutory damages and emotional distress caused by your willful noncompliance.
Product: Student loan

I have attempted on several occasion to tend to the account of my student loan debt. I have been garnished by IRS on all tax returns for the past several years, during which time I have been denied any and all access to information about the dispersal of these funds in relation to my account. I can gather no actual data on the thousands of dollars that have been taken from my Tax Returns and applied to the " Student Loan Debt ''. The best that I have been able to gather over the phone is that they have applied 100 % of the monies that they have collected from me to the interest on the loans and not one penny towards the principle whatsoever, which leaves me in a position of perpetual debt with no possible routes to a meaningful resolution. I want to press charges and transfer my debt into the hands of an actual broker whom can handle the debt without engaging in racketeering an openly flagrant blatant abuse of all known audit law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection on the XXXX  XXXX XXXX   XXXX XXXX partial account number XXXX in the amount of {$4600.00}. ( Please see pages 36 and 37 of the attached credit report. ) These student loans have long since been paid off. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has AGAIN placed this collection back on my credit report after it has been remove they have not been able to successfully validate this account and when they think Im not paying attention they placed it place on my credit and increase the balance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 instructions
Product: Credit reporting or other personal consumer reports

I have now been in the process of trying to have items removed due to XXXX XXXX with Equifax for over a year now. I have submitted all the documentation requested and it was the same documentation that worked to have items removed in the past. Not only are the employees in the department that handles these cases disturbingly XXXX and XXXX but their gaslighting is also an entire issue for me. I am currently still dealing with being a victim of human trafficking and it makes no sense that every time I call I am being met with customer service representatives who have attitude and nasty behaviors. I feel like the reason my disputes are being denied is because of retaliation towards me. There's no reason a victim of XXXX  XXXX XXXX  should be dealing with this. Today on XX/XX/year>, I contacted Equifax and spoke with a representative named XXXX, she was very microaggressive toward me because I advised her that I mailed a dispute to the company that according to my tracking information was received on XX/XX/year>. I wanted to know why the letter was still sitting there and when they picked the mail up. This was met with an attitude, of rudeness and I advised her I would like to speak to a supervisor and she mentioned that she's the highest form of contact. I advised her that there was someone above her. We got into an argument and then she disconnected the call. I called back to that actual customer service line and I was transferred back to that department, XXXX answered the phone and I'm sure she knew it was because you could hear the disdain and aggravation in her voice ( XXXX my disdain from being XXXX from childhood until adulthood by people trafficking me ). She then disconnected the call before I could even say anything. I called the department back and XXXX answered the phone again she sighed with aggressiveness and transferred the call to someone named XXXX. Once XXXX got on the line ; I was met with straight combativeness and an attitude. Every time I tried to speak XXXX began trying to talk over me. She then argued with me that she had just spoken with me even though I told her that was inaccurate. I was speaking in my regular tone and then XXXX began stating that I was yelling at her ( I wasn't ), I continued to try to speak and XXXX began to give me warnings and I advised her that it was very microaggressive to say a XXXX person is screaming because you don't like the tone in which they are speaking. Disgusting behavior that I did record and will be sent to an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I'm including it again. 
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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602.A I have rights to privacy.

15 U.S.C 1681 section 604.Ait also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 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: Prepaid card

We received this Visa gift card of {$150.00} as a birthday present a year prior. It has been in its packaging until last week when we went to XXXX XXXX XXXX to purchase something with it. When we swiped the card said it was active for store use and needed to be activated if we were using online. Upon swiping the card, it declined automatically. The associate told us to swipe again, and it was still declined. I then went on the website while at the store to type in the card number and to see what was going on and the website just kept saying error and to call the number. When I called the number, very rude gentleman answered and told me that the card was activated and it was under a certain name and would not give me the name of the person or any information on the card. I had told him that we had just opened the card today, and was trying to use it in store and he stated that he couldnt help us because it was already registered under someone else and if we wanted to prove the card was ours then we would need to fax over the picture of the card front and back and our drivers license front and back. We told him that makes no sense as its a gift card visa and we just took it out of the packaging before the call to use in store and we shouldnt have any issues and it should not be registered to anyone. He again refused to help. We called again to get a different person and the same person answered and told us the same thing and that we had no choice. Our friend that gave us the gift card said they bought it at XXXX also and it was sealed and unopened.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section XXXX & XXXX } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX  Date XXXX Account XXXX Reason for dispute_XXXX XXXX___ Account XXXX Account Name_XXXX XXXX______________ Date XXXX Account XXXX Reason for dispute__XXXX  XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Equifax, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? __ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Equifax, and XXXX never responded! 

Furthermore XXXX, Equifax, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Equifax, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Equifax, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX