23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 then 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

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX XXXX the other day and applied for an account. I got approved but with a {$500.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Inquiries : XXXX/XXXX, XXXX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$10000.00}
Product: Bank account or service

I signed up for a Citibank Citigold account with a sign up bonus offer ( XXXX Thank You Points ) that I received in the mail. I met all the requirements ( XXXX consecutive bill pays for two months ) of the bonus and did not receive it. I called and talked to a rep who told me I met the requirements and would receive the bonus in 1 month ... it did not come. I called and talked to a second rep who told me I was good to go and they would apply to my account in another month ... it still did not come. I filed multiple complaints with them and they said I was not targeted, even though I was via mail. Furthermore even if I was not, they told me on multiple occasions that I met the requirements and the points would come in.
Product: Debt collection

I recently changed my checking account information thats used for Autopay through Concord Servicing. The amount of the Autopay due each month is {$120.00}. A payment was successfully deducted from my account in XXXX, 2024 ( and all previous months that I have had this account ). I contacted the servicer to update my bank account info with my new checking account info. I asked that that old bank account info be removed. I also changed the amount of the autopay that was to be applied. I have a confirmation letter dated XX/XX/XXXX that a XXXX ACH payment was applied on XX/XX/XXXX. 
I also authorized my future autopay to be {$140.00}, effective XX/XX/XXXX. I received a confirmation letter from Concord confirming this was set up. The letter states that I authorized {$140.00} payment to be applied beginning on XX/XX/XXXX for each month on the payment due date ( XXXX each month ) for the remaining XXXX payments due. 
A letter dated XX/XX/XXXX was sent advising that my account was past due. I called Concord on XX/XX/XXXX to ask why was the XX/XX/XXXX payment not deducted, why was a late fee being applied, etc. I was advised that the letters they sent confirming the changes made didnt apply because of their system issue. My account is being charged a {$20.00} return check fee for their attempt to deduct a payment from an account that I no longer have nor were they authorized to deduct from that account, and their confirmation letter confirms that they werent supposed to deduct from that account. I am also being charged a late fee for a payment that I authorized them to take but systemically they failed to draft.. I requested both fees be removed and my account removed Collections and was advised I needed to send a letter. The representative was unable to assist. Their systems do not do what they say they will do. Their confirmation letter do not match their actions. 
I authorized a XXXX ACH payment for {$250.00} on XX/XX/XXXX. I requested my account be reinstated on autopay but was advised that until I pay the fees I am unable to. I requested that the fees be removed and advised that they can not. I am requesting the fees be removed and my account reinstated on Autopay for the remaining duration of the loan.
Product: Mortgage

My mother passed away on XXXX XXXX, XXXX. I called the mortgage company to inform them she had passed away. They send the information I needed to avoid foreclosure. I followed all the instructions. I kept in communications with them through out the process. They knew my intent was to sell the house to pay off the loan. When i called them for information they would say my house was in foreclosure but I would tell them that I am in process of selling the house so how can the house be in foreclosure if I am doing the process to prevent foreclosure which I have 12 month to do. The house closed on XX/XX/XXXX. By chance I looked up my house in XXXX and is said it was in foreclosure but I had already sold so I knew that was wrong, I looked up the public record and in fact there was a foreclosure note that was filed on XX/XX/XXXX by the reverse mortgage company. I did not get notice of the foreclosure to my address. There was a note that the person was not contacted because the person was decreased but I am the trustee so I should have gotten notice of foreclosure. My complain is for future people who may get foreclosure without knowing they had one placed on their house. The notice I got from the beginning was that as long as I am in the process of paying the loan back i would not go into foreclosure. I was just lucky that I had sold my house before the foreclosure went through.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX and XXXX BANK XXXX
Product: Debt collection

This is old XXXX  and cc debt that is over XXXX XXXX XXXX, they can not collect on it. Keep calling me from dozens of different phone numbers and then they never answer, they just keep auto calling me.
Product: Credit reporting or other personal consumer reports

Consumer Name : 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 XXXX credit XXXXeporting 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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX 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: Vehicle loan or lease

I XXXX XXXX want to submit a formal complaint against Mercedes Benz Financial. I have a leased vehicle " XXXX  XXXX XXXX  ''. On XX/XX/2022 I took the car to the XXXX XXXX dealership concerned with the way the vehicle was driving. I was advised that the engine was defective and the Cylinder head is gone, therefore I the consumer, the lessee is responsible to pay {$12000.00}. The fact that I leased the car should not make me responsible for such. It is obvious this is a manufacturing problem, hence this is a two year old vehicle. This was a failed resolution for Mercedes Benz and did not accurately diagnose the problem. The dealership absolutely attempted to extort money and create more of a financial burden. Furthermore perpetuating untrue statements about what was truly going on with the vehicle. I don't believe the dealership mechanics knew what the issue was concerning the car. 
I have been a loyal customer and don't believe this dealership is being honest about the resolution of my vehicle. 
Based on my research I believe it could be a spark plug issue not a cylinder head.
Product: Credit reporting or other personal consumer reports

I noticed a credit card account that does not belong to me and was not authorized by me in my credit reports. The account information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/year> I became a member of Chime and selected them to do my banking with. I had 3 checks from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX in {$980.00} each totaling {$2900.00} deposited in my account at Chime. When I opened the account I never received a debit card and all they did when I called to inquire about it was tell me it had been mailed to me. I never got the debit card. I tried to close the account and transfer the funds but they told me the account had been closed and that I would have to get another debit card before I could withdraw the funds. They still have my money and I have never received a refund for the total Amount of my checks they have. The account number is XXXX and the routing number is XXXX. I want my money returned to me as soon as possible.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify CREDIT BUREAUS REPORTING THIS ERRONEOUS ACCOUNT to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX CARD XXXX and XXXX XXXXXXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX CARD and XXXX  must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with XXXX law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX CARD and XXXX to the IRS for XXXX XXXX XXXX using Form XXXX if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX CARD and XXXX  accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements XXXX be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
I do not have accounts or debt with the following creditor therefore I am requesting the original purchase agreement with my signature. Also provide documentation that show you are the legal owner of this alleged debt as well as all terms and conditions. If such can not be provided I request IMMEDIATE deletion off my credit report. 
XXXX XXXX XXXX XXXX XXXX -XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX -XXXX ( XXXX XXXX XXXX ) # XXXX Also, Upon research the following Debt Collectors are not licensed to even collection in my State which is XXXX  ( see attached ) furthermore is a complete violation of my rights and THE LAW. Prompting IMMEDIATELY REMOVAL from my credit profile. 
Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for your time and attention to this matter
Product: Credit reporting or other personal consumer reports

I don't know The dates or amounts of each charge but this is in my credit report. 
XXXX, capital one are destroying my credit. Every charge. I am trying to resolve this identity theft issue and no one will help me
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 consumers rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 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 persons know or has reasonable cause to believe that the information is inaccurate.
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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My credit information has been used without my consent/authorization or knowledge, I have submitted documentation to support my claim and I request these fraudulent accounts be blocked and removed immediately. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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. 
1 ) XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX -Acct # XXXX. 4 ) XXXX XXXX-Acct # XXXX 5 ) XXXX XXXX- Acct # XXXX 6 ) XXXX XXXX. XXXX 7 ) XXXX XXXX Acct # XXXX 8 ) XXXX XXXX- Acct # XXXX 15 U.S.C. 1681 Section 602 A. States I have a 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 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. 1681c-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

There are 7 addresses on my Transunion Credit Report that are in correct and one is on the report 2 times. The following addresses need to come off my report. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX NEVER LIVED HERE OR GOT MAIL XXXX XXXX XXXX XXXX, XXXX, FL XXXX NEVER LIVED HERE OR GOT MAIL XXXX XXXX XXXX, XXXX, FL XXXX NOT XXXX ON REPORT TWICE XXXX XXXX XXXX, XXXX XXXX, FL XXXX NEVER LIVED HERE OR GOT MAIL XXXX XXXX XXXX, XXXX, TN XXXX NEVER LIVED HERE OR GOT MAIL Any of the other addresses on the credit report are correct. I don't care what Transunion states, I want the above off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reporting on credit for XXXX, XXXX, and XXXX. 

XXXX XXXX Capital One, appears on credit as Capital One Bank USA N incorrect balance, and multiple received mailings with different balances, different transactions, from actual account. 

XX/XX/2019, reported fraud on account, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, inaccurate information reporting on credit bureaus, multiple mailings received from different payment and billing offices. 

XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : XXXX XXXX XXXXL Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Student loan

FedLoan Servicing refuses to accurately calculate the number of qualifying payments I have made toward Public Service Loan Forgiveness. I sent in my most recent Employment Certification Form on XX/XX/2019. Based on that ECF, I have made 80 qualifying payments. FedLoan says I have only made 79 qualifying payments. The discrepancy is because FedLoan automatically ( NOT at my request ) places me in forbearance every XXXX when it re-calculates my income-based repayments for the coming year. When in forbearance, any payment I made during that time is not counted toward PSLF. I have brought this to FedLoan 's attention repeatedly. This is an easy fix. Instead, FedLoan miscalculates ( intentionally, in my opinion ) the number of PSLF payments. The effect is delayed forgiveness. I can only assume that FedLoan is aware of this and it purposefully doing this to add to its books. It's time for Congress to step in and remove FedLoan from the handling of PSLF loan payments.