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

inaccurate information [ Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION ] Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 As per [ Title 15 U.S. Code 1681n - Civil Liability for willful noncompliance ] Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 As per [ Title 15 U.S. Code 1681o - Civil Liability Civil Liability for negligent noncompliance ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 874 As per [ Title 15 U.S. Code 1692- Congressional findings and declaration of purpose ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876 As per [ Title 15 U.S. Code 1692c - Communication in connection with debt collection ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 As per [ Title 15 U.S. Code 1692d - Harassment or abuse ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 As per [ Title 15 U.S. Code 1692e - False or misleading representations ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 879 As per [ Title 15 U.S. Code 1692g - DEBT COLLECTION PRACTICES ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880 As per [ Title 15 U.S. Code 1692j - Furnishing certain deceptive forms ] Pub. L. 95109, Sept. 20, 1977, 91 Stat. 881 As per [ Title 15 U.S. Code 1692k - Civil Liability ]
Product: Debt collection

The company Is Columbia debt recovery the same as Genesis? 
In XXXX XXXX XXXXXXXX I filed XX/XX/XXXX bankruptcy which included collections from Genesis that were discharged in XX/XX/2022 and included the same company-renew apartments that Columbia debt recovery is attempting to collect.
Product: Debt collection

Spoke to a customer service man name XXXX from FMA alliance then I was transferred to XXXX XXXX who said she was the manager for the department on XX/XX/XXXX, I had asked for a debt validation letter that day and it is now currently XX/XX/XXXX and have not received a debt validation letter. I was never given an email or address to send debt validation letter so I asked for it through the phone call.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

My biggest problem is the predatory nature of Santander Bank. I was told many months ago that my bill was current when it wasn't. This combined with the insanely high interest rate means that I have been paying a ton on interest. 

I owe {$10000.00} on the car, and it's maybe worth $ XXXX- {$1500.00} at best. I would like to explore any available options so that I can be done with this vehicle. 

Santander customer service agents have not been very helpful at all to me when going through this situation. I would recommend that nobody take a loan out with this bank for any reason.
Product: Credit reporting

Over the last several years I have been trying to work with Equifax directly because they have made my credit report unavailable to myself and to anyone who is looking to review it for the purpose of obtaining credit. It has been brought to my attention in the past that due to the size of my credit file the Equifax system is unable to process request to view my credit history. I have written letters and have asked for this issue to be corrected and still nothing happens. They tell me that because they see it in their internal system it has to be a problem with the company trying to pull it. In fact the problem is the Equifax system and its inability to house my huge file. I can not pull it up online myself to review and dispute items, I can not pull it through the annual credit reporting site as allowed by law. Creditors can not pull it either. I have had issues in the past with this and I get the back and forth from Equifax. I know for a fact that at some point there have been several unauthorized inquires on my report which have caused my report to get too big and was told this was causing the freezing. I reported the unauthorized inquires through online dispute forms and nothing. Just canned responses. I do n't know what else to do to get this issue resolved. Sometimes the credit report works and sometimes it does not.
Product: Checking or savings account

On XX/XX/XXXX  I deposited a check and a money order in the Bank of America ATM in XXXX, MO. ATM ID XXXX. The money order was {$640.00} and the check was {$22.00}. Later that day I saw the entire deposit wasn't credited on my online acct.. Went to Bank of America and spoke to a Teller. She said there was nothing they could do for me and that they would be mailing the money order back to me and then I could redeposit. A couple days later I received a letter from Bank of America stating the ATM deposit couldn't be deposited because it wa n't a valid check and that they would be mailing the item back to me in XXXX to 10 days. On XX/XX/XXXX  I called the number on my bank statement to inquire about the missing money order as instructed by the letter. ( reference # XXXX. ) The Bank of America representative told me they destroyed the money order and that there is nothing they could do to help me. They instructed me to tell the person that gave me the money order to have the money order payment stopped and reissue a money order. If they had returned the money order to me like they said they would I would have been able to redeposit the money. Since they destroyed it I'm out {$640.00} and XXXX, who issued the money order just made {$640.00}. What a joke. We are closing our accounts with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

to remove wrong addresses ' from credit report, XXXX XXXX XXXX XXXX, or and also the XXXX XXXX XXXX XXXX, or i have never lived at those places.
Product: Credit card

I AM WRITING ABOUT AN UNAUTHORIZED UNSIGNED FOR CHARGE TO MY CREDIT CARD WITH AMERICAN EXPRESS CARD # XXXX, MY NAME IS XXXX XXXX. THE REASON FOR THE COMPLAINT IS I RENTED A CAR FROM XXXX FOR THE TIME PERIOD XXXX FOR A WEEK THROUGH XXXX. I WAS DONE WITH THE CAR A DAY EARLY AND RETURNED IT ON XXXX, A DAY EARLY. WHEN I RETURNED THE CAR A FRIEND WAS THERE TO PICK ME UP, THE CLERK THOROUGHLY INSPECTED THE CAR INSIDE AND OUT, SAT IN THE DRIVERS SEAT AND SPENT A GREAT DEAL OF TIME INSPECTING ALL ELEMENTS OF THE CAR, THE CONDITION, INSIDE AND OUT. 
AFTER ABOUT 10 MINUTES HE SAIDTHE CAR WAS FINE, I WENT INSIDE AND COMPLETED THE FINAL PAPERWORK, THE CLERK WAS VERY AMIABLE AND SATISFIED WITH THE CONDITION OF THE CAR. I CHECKED OUT AND LEFT WITH MY FRIEND. MY FRIEND WITNESSED THE INSPECTION AND CAN CONFIRM WHAT TRANSPIRED. WE LEFT. WHEN I RECIEVED MY CREDIT CARD STATEMENT FOR XXXX IN XXXX, I NOTICED THAT THRIFTY HAD MADE AN ADDITIONAL CHARGE FOR {$250.00} ABOVE THE XXXX ORIGINAL RENTAL FEE. 
AND THERE WAS NO EXPLANATION, THE CHARGE FOR THE {$250.00} WAS DATED XXXX TWO DAYS AFTER THE VEHICLE RETURN. I DID NOT KNOW ABOUT THE CHARGE, WAS NEVER CONTACTED ABOUT THE CHARGE, OR SIGN OR AUTHORIZE FOR THE CHARGE OF AN ADDITIONAL {$250.00}. I NOTIFIED AMERICAN EXPRESS AND TO DATE HAVE ONLY RECIEVED AN OCCAISIONAL EMAIL STATING THAT IT IS STILL BEING INVESTIGATED, I HAVE CONTACTED CUSTOMER SERVICE SEVERAL TIMES AN AM ASSURED THAT THE CHARGE IS BEING INVESTIGATED, BUT THE CHARGE HAS NEVER BEEN REMOVED. I WOULD ASK FOR YOUR ASSISTANCE IN GETTING THIS CHARGE REMOVED, I HAVE NEVER BEEN NOTIFIED BY THRIFTY OF ANY REASON FOR THE CHARGE OR ANY DEFICIENCY, I AM VERY UPSET ABOUT THIS, AS THE CHARE WAS MADE TWO DAYS AFTER THE VEHICLE RETURN, THE CLERK THOROUGHLY INSPECTED THE CAR UPON RETURN, AND AS I RETURNED THE CAR A DAY EARLY IF THERE HAD BEEN A DISCREPANCY OF ANY KIND AND WAS NOTIFIED ABOUT IT I WOULD HAVE HAD A DAY TO CORRECT ANY DEFICIENCY. BUT WAS NEVER NOTIFIED AT ALL OF ANY PROBLEM WITH THE CAR UPON RETURN. SCRATCHING MY HEAD ABOUT THIS AS AM A SENIOR CITIZEN, AM RESPONSIBLE, AND DO NOT SMOKE OR DRINK OR CARRY ON ETC. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PH : XXXX EMAIL XXXXXXXXXXXX
Product: Debt collection

Receiveables Performance Management has reported to XXXX and XXXX  credit bureaus that I currently have a remaining debt of {$340.00} as of XX/XX/XXXX which is FALSE REPORTING and a direct violation of Fair Debt Collection Practices Act ( FDCPA ). By law they are required to report accurate information! This account is settled in full therefore, no balance should be reflecting and the account must be closed according to FEDERAL LAW!!!!

Receivables Performance Management is negatively effecting my credit for the month of XXXX  for a debt settled in full on XX/XX/XXXX in the amount of {$410.00}. I am demanding both credit agencies info to be corrected immediately and a letter stating the updates have been made meaning there should be nothing negatively reported for XX/XX/XXXX, in addition to the letter promised by XXXX XXXX on XX/XX/XXXX stating the account has been closed & settled in full. I have been going back and fourth with this company since XX/XX/XXXX enough is enough I'm tired of playing games with Receivables Performance Management
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my credit report which had an enormous amounts of errors these errors as noted are in need of validation under FCRA 611 ( a ).

Accounts Validation Request XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Balance {$5700.00}XX/XX/XXXX XXXX XXXX XXXX XXXX {$4000.00} DISPUTE SHOULD BE XXXX  BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} DISPUTE SHOULD BE XXXX  BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} DISPUTE SHOULD BE XX/XX/XXXX BALANCE XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} DISPUTE SHOULD BE XX/XX/XXXXBALANCEXX/XX/XXXXXXXX XXXX XXXX XXXX   {$1900.00} DISPUTE SHOULD BE XXXX BALANCEXX/XX/XXXX XXXX XXXX XXXX XXXX {$1200.00} DISPUTE SHOULD BE XXXX BALANCE XX/XX/XXXX XXXX XXXX XXXX {$1400.00} DISPUTE SHOULD BE XXXX BALANCE XXXX XXXX {$810.00} Validation XX/XX/XXXX
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 XXXXXXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$740.00} XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$500.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$540.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00}
Product: Money transfer, virtual currency, or money service

Several times my cash that was sent to a different person from which I wanted to send it to and there was anyone I couldve reached out to or receive a refund
Product: Credit reporting or other personal consumer reports

The account from XXXX XXXX XXXX card. This account was charged off by XXXX XXXX XXXX and the account was close. Income can not be reported on my consumer report this account was filed on my consumer report as debt, but according to 15usc 1681 ( e ) b this is no longer a debt and was forgiven once the account is closed or charged off by the original debtor. 
I would like the Debt of validation letter from XXXX XXXX XXXX the debt collector that is trying to collect the debt for the company XXXX XXXX XXXX bank. 
If they cant provide validation I remedy this be taken off my credit report immediately all XXXX bureaus. This has negatively impacted my life. 
15usc 1681eb Debt of validation letter XXXX XXXX
Product: Debt collection

This debt expires XX/XX/XXXX. In the state of Pennsylvania the Statue of Limitation is Four years from the last payment. Attached is the latest 3 agency credit report. As you can see they reported that this contract according to them started on XX/XX/XXXX. The account ending in XXXX, and XXXX, and XXXX. This company has not provided the following : Original Contract with my signature Pay off Disclosure Interest rate Disclosure Balance History Payment History Credit Insurance Now after 4 years of being on my credit by law they must remove this debt from all three credit agencies by law. A letter has been sent to them by certified mail and all they sent me was the attached, again nothing that I have asked for, Nothing! So get this off. My credit immediatly!! If not show me a check with my name on it paying you???? XXXX XXXX wait again!!! times off by law, get out of my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a circumstance where I had an error of a 90 day late payment on my credit report when that was not the case because I was covered on a natural disaster forbearance from the dates of XX/XX/XXXX to XX/XX/XXXX but I am reported as being 90 days late in the month of XX/XX/XXXX on my Equifax Report. I have tried to contact the company several times over the phone to no avail. This error has been corrected by XXXX  and XXXX but only Equifax is still showing the incorrect information on my credit report and still as of today XX/XX/XXXX have yet to fix the error.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, an individual contacted me saying that they needed XXXX dollars because they were unable care for their dog. They said they would pay back {$320.00} on the XXXX. After I sent this payment, she was very uncommunicative. On the day that she was supposed to repay me, she blocked me on the social media that I was using to talk to her and I am unable to communicate in order to get my money back. As it stands, she stole my money and had no means to ever pay me back. I filed a claim through PayPal, however, they said that the transaction in question didnt count as a service that they can refund me for. They told me to contact my bank and file a claim for the transaction. After filing a claim a few days ago, I wanted to check the status of it today, but when I called my bank, they notified me that the claim has been denied since the transaction was authorized on my part and they would be unable to help since it was a service. Im worried that I wont be reimbursed for this, since the money in question came from my savings. The screenshots in question show the chats I had with her, and the proof that I tried to dispute a transaction with PayPal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : Previous / Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed because my name has no variations. Please refer to the attached documentation for the correct spelling of my name as well. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX ( Not in all capital letters, I am not a corporation, I am a living human ) Please remove inaccurate employers as well as listed below : XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention unauthorized inquiries that are listed on my credit report, which are not associated with any active accounts. I kindly request that you investigate these inquiries and take immediate action to remove them from my credit report. 

The unauthorized inquiries are as follows : XXXX. XXXX XXXX FOR XXXX XXXX date : XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX - XXXX date : XX/XX/2023 XXXX. XXXX OF XXXX - Inquiry date : XXXX XXXX, 2023 XXXX. XXXX - XXXX date : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX, 2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX - XXXX date : XXXX XXXX, 2023 XXXX. XXXX - XXXX date : XX/XX/2023 XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. TEXAS XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX CO - Inquiry date : XX/XX/2023 I would like to emphasize that I have never given permission to any individual or entity to list these unauthorized inquiries on my consumer report. These inquiries have appeared without my knowledge or consent, and they are falsely representing my credit history. I trust that you will conduct a thorough investigation into this matter and take the necessary steps to rectify the situation promptly. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. I kindly request that you promptly investigate these unauthorized inquiries and remove them from my credit report, as they are inaccurately reflecting on my creditworthiness. 

Please provide me with written confirmation once these unauthorized inquiries have been removed from my credit report. Additionally, I request that you furnish me with an updated copy of my credit report to verify the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Should you require any additional information or documentation to assist with the investigation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate action in resolving this issue. I look forward to a favorable resolution. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Chime closed my account for no reason at all! Ive never done fraudulent activity or anything other than use it to pay bills & save my money! My account was closed XX/XX/XXXX XXXX & im yet to receive a tracking number for my funds. I was supposed to receive a check for XXXX $ & another for XXXX $ & I still havent gotten an update on my money or whats going on. I always get the run around. Its XX/XX/2023 how do I not have my money & it was supposed to be here in XXXX like they told me on the phone. Ive literally called everyday since my account was closed. This is not fair to me at all & I have not been able to pay bills for 2 months now
Product: Credit card

Hi, I have a lot of addresses that report on my credit, I wanted to get some help from you guys to get identify those addresses I never applied for. Those things reporting on my credit been affecting me. Because I have two credit card attached to one of those addresses that's not even mine. I'm reporting this so I can get a report to forward it to Experian so they can remove it from my credit.