23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted the company to make a settlement offer and expressed concerns over the balance being extremely incorrect. They refused to investigate the legitimacy of the balance and started settlements are only offered once a year at random to select debtors.
Product: Credit reporting or other personal consumer reports

I have an account with Experian so I can monitor my credit. 

Given the recent XXXX XXXX I went in to " lock '' my credit. When searching for this option in the interface, whenever I search for " credit lock '' the site takes me to their PAID service ( $ XXXX ). I know that I can lock my credit with the credit agencies ( Experian, XXXX XXXX XXXX ) for free but it was not readily apparent given the way they have their site setup. THIS IS CLEARLY INTENTIONAL. 

After taking more time to figure this out, it turns out that Experian has decided the " credit locks '' on their site refer to their PAID service. The term for what has traditionally been called a " credit lock '' on their site has been renamed a " credit freeze ''. 

This is neither a trivial nor innocent change. AGAIN, THIS IS CLEARLY INTENTIONAL. Their clear intention is to confuse people and to funnel them to their ridiculously overpriced, PAID service ( at a highway-robbery rate of $ XXXX. ) rather than provide clear, easy access to " locking '' your credit. 

This is not right. This is EXACTLY the kind of XXXX  that these companies pull. Obviously this didn't work with me, because I knew I could lock my credit for free, but how many people have fallen for this scam!?!?!?!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a wire transfer of {$100000.00} from my Chase checking account to a beneficiary account at XXXX. The account number was entered incorrectly. The same morning, I initiated an amendment request with Chase to amend the account number, but it was unsuccessful and XXXX returned the wire back to Chase at around XXXX on XX/XX/XXXX. I have made repeated phone calls to Chase customer service demanding the {$100000.00} wire transfer to be returned to my account so I can send it to the correct beneficiary, but I have been unsuccessful and Chase provided conflicting information on every single call. A Chase representative, XXXX, on a phone call on XX/XX/XXXX at XXXX, admitted that the amendment request resulted in the funds returned from XXXX to be routed to a Chase owned account instead of my account. She promised to expedite the return of funds, but the funds are still unavailable and I am left to suffer the consequences of bounced payments, lost times, and wasted productivity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. Kindly correct or discard the following items right away : 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
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 : XXXX # XXXX Account name : XXXXXXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name : self/lead # XXXX, Account name : 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 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: Debt collection

Midland Credit Management team keeps calling my cell phone. I have no unresolved debt at all -- nothing being serviced by MCM. The call back number is ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I requested an investigation and proof of findings for XXXX XXXXXXXX XXXX XXXX. My claim was denied and no proof was received.
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person using Zelle and could not get the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that inquiries stay on your credit file for 2 yrs, however the credit reporting agency has to understand that these inquiries I have no knowledge of therefore they are inaccurately placed on my report so Im demanding that they be removed from my credit files immediately, the following inquiries are : 1 ) XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX
Product: Vehicle loan or lease

Subject : Request for Removal of Vehicle Repossession from Credit Report Dear [ Consumer Financial Protection Bureau ], I am writing to request assistance regarding the repossession of my vehicle. In early XXXX, I was hospitalized due to XXXX XXXX, which significantly impacted my ability to manage my financial obligations. During my hospitalization, I was unaware that my vehicle had been taken to California. 

Upon receiving the repossession notice, I immediately contacted Honda to explain my situation and request reinstatement of the vehicle. Despite providing information about my health condition and the circumstances, my request for reinstatement was denied.

I am now requesting that this repossession be removed from my credit report, as I believe that the situation was directly impacted by my medical condition, which Honda was aware of at the time.

I was told this vehicle will be sold Thank you for your attention to this matter. I appreciate your assistance in resolving this issue.
Product: Debt collection

AFFIRM INC XXXX XXXX XXXX FL XXXX XXXX XXXX, CA XXXX Re : Validation of Debt and Cease and Desist Notice Account Number : # XXXX To Whom It May Concern, I am writing to formally request validation of the debt referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a detailed validation of the alleged debt. Please be advised that statements alone are not sufficient evidence of a debt, as established by the case XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. 

Accordingly, I am requesting that you provide the following documentation : A detailed accounting of the alleged debt, including the original creditors name, the amount of the original debt, and a complete transaction history. 
Any and all relevant agreements, contracts, or documents bearing my signature that would indicate my obligation to pay this debt. 
Furthermore, I am issuing a cease and desist notice. This includes the following instructions : Cease and Desist All Communication : Do not contact me further in any manner, including but not limited to, phone calls, letters, emails, or text messages. 
Cease and Desist from Reporting to Consumer Agencies : This notice also includes a demand for removal of this account from all consumer credit reports. 
Please be advised that any continued communication, including reporting this account to consumer agencies, will be considered a violation of this cease and desist order. 

Litigation Costs : Should it become necessary to pursue litigation due to your failure to comply with this request, the following are estimated costs associated with such action : Filing Fees : {$350.00} Service of Process : {$100.00} Legal Representation : {$200.00} per hour ( estimated 10 hours ) = {$2000.00} Court Costs : {$150.00} Miscellaneous Costs ( e.g., document preparation, travel ) : {$100.00} Total Estimated Costs : {$2700.00} Please consider this letter as a formal notice of my intent to seek redress through legal means if necessary. I expect your prompt action to cease all further communication and to remove the account from my consumer reports. 

I appreciate your immediate attention to this matter. Please send written confirmation of your receipt of this letter and your compliance with my requests. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed it down to XXXX XXXX I voluntarily gave it back because 6 months of ownership it blew and engine and the warranty wouldnt cover! Say I was late and my last payment was in XXXX of XXXX whichs is a lie, we had a plan wit them and they say i didnt pay lied Then how do I get a XXXX dollars balance on my loan when I gave it back to them around XXXX then sold it and made XXXX and before they did that i owe XXXX I ask over and over again to fix it and they dont and they got XXXX dollar rims and tires I think this finance company is a rip off and should be due for false info towards and making me look like I jsut didnt pay stay away from this liars cheepskates
Product: Credit reporting or other personal consumer reports

I filed for a dispute for closed accounts with Experian in XXXX. They have yet fixed the issues on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX - 2017 ) and BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX - 2017 ) and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.
Product: Vehicle loan or lease

I returned the car back to the Toyota after my divorce back 2018 they sold the car a week later now they charge me for the monthly remaining balancing for the lease and storage I'm trying to do arrangement with them because they told me it won't be the problem because I made a decision to return the car by myself. 
I'm not going to pay for the storage and for the remaining balances for the lease because it was not repossession by Toyota it was a voluntary return.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date XXXX Reference # XXXX XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for several accounts to be investigated, this investigation took well over 30 days,
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Regional Finance Company a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery. The company has not responded to any of my letters over a 6 month period.
Product: Debt collection

SECURITY CREDIT SERVIC has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. SECURITY CREDIT SERVIC has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not request or give any information towards me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe this XXXX credit card paper statement I just received in the mail is fraudulent. I never applied, opened or maintain a XXXX credit card, especially one with a {$500.00} credit limit and 29.9 % apr. I never received a physical card just this first statement in the mail which states I opened the card on XX/XX/23. I can also see a hard inquiry on my transunion credit report on XX/XX/23. I have called the XXXX card number customer service line XXXX and Elan financial services which is the bank associated with the card XXXX and they both want me to confirm my social security number, address, phone number, birth date, address and account number over the phone which I am not comfortable doing just to verify my account before having them look into fraud and stolen identity. They refuse to help further despite informing them I did not open an account with XXXX and wish to have it closed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00} and US BKPT CT XXXX XXXXXXXX XXXX Reference XXXX : XXXX Date Filed/Reported : XX/XX/2013 Asset Amount : {$0.00}.
Product: Credit reporting or other personal consumer reports

Synchrony Bank /Paypal credit has inaccurately reported information on my credit report. 
Violations include but not limited to the Evidence of claim that is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by Experian. It was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$6400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX  Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX Balance XXXX : {$2900.00} XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than XXXX business days following the date of receipt.
Product: Debt collection

I find it incomprehensible that your bureau has allowed this investigation to languish without any meaningful progress. It is evident that the fraudulent accounts continue to stain my credit report, causing irreparable harm to my financial standing, and yet there is a distinct lack of transparency about the reasons behind the delay. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. The Fair Credit Reporting Act ( FCRA ) allows for an extension of the investigation timeline, but the lack of any response from the creditor and your bureau 's failure to provide valid reasons for the delay is nothing short of infuriating. 
XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have received no indication from the creditor that they have responded to the investigation, despite your bureau 's claim that they have. It is imperative that you provide me with a copy of the response letter from the creditor, including the date it was allegedly sent. The lack of transparency and communication in this matter is not only infuriating but also a violation of my rights as a consumer seeking resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have fraudulent accounts on my consumer report. I did not authorize. I sent FTC report with proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. 
WHEN THEY REMOVED THE FRAUDULENT ADDRESS THEY SHOULD HAVE REMOVED THE FRAUDULENT ACCOUNTS. 
THEY HAVE BEEN NOTIFIED SEVERAL TIMES ABOUT THE FRAUDULENT ACCOUNT. THEY WERE NOTIFIED BY CERTIFIED MAIL WITH RETURN RECIEPT AND BY REGULAR MAIL AS WELL AS SEVERAL DOCU, MENTED PHONE CALLS. 
I WILL USE THIS IN MY DEFENCE WHEN I FILE MY LAWSUITE AGAINST TRANSUNION. All they do is simply verifiy an account, THAT IS NOT CONSIDERED A PROPER INVESTIGATION. I WOULD LIKE NAMES AND PHONE NUMBERS ON EVERYONE THEY SPOKE TO TO VERFY THIS FRAUD ACCOUNT. PLEASE REMOVE THIS FROM MY CREDIT REPORT ASAP. 
( XXXX XXXX XXXX Closed : XX/XX/2018 )