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

I cancelled XXXX XXXX summer of XXXX due to their system being unreliable. I paid the final bill which i have a copy of and also returned their equipment. 

They said if had to pay {$290.00} additional for cancelling the contract before end of term. I told them since they could not supply reliable stable service they had breached their contract. I told them i would pay the final bill of {$110.00} and return their equipment. Which it did. 

they turned me over to a collection agency which has been harassing me for several months now. They reported me to XXXX and they placed a derogatory item on my credit report. 

I asked XXXX to remove the item as I do not owe XXXX XXXX anything. XXXX owes me {$1000.00} rent for leaving their antenna on my roof which they have not removed after several written requests. 

I asked XXXX be required to remove the item and their collection agency be ordered to stop calling me. The agency is : AFNI, INC. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number : XXXX I also want XXXX to pay me {$1000.00} rent for their equipment on my roof they have failed to remove. 

Best regards, XXXX XXXX
Product: Credit card

Hi, it's Citi Bank AGAIN the company isn't fair! I'm still have problems about the other complaint. I've waited for this problem to be resolved now there telling me they can't file another dispute about a air conditioner I didn't receive! back in XX/XX/year>. They are the pits! Please help again asap thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX credit card balance at least 3 times, even providing a credit card statement and XXXX still is posting false information.
Product: Checking or savings account

They accepted my deposit but tell me have company do stop payment they are n't closing my account as instructed or giving me my money XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have AMEX platinum credit card, and I added another AMEX gold card on my account for my wife. We have received the card on XX/XX/2021 and activated it right away. We have found out that there were credit inquiries made by XXXX, twice on XX/XX/XXXX and XXXX. This duplicated inquiries greatly, adversely affected my credit score. We believe that it's mistake from their side or at least unfair to do so. To fix this, we contacted AMEX teams, resulting in being bounced back and forth. We have talked to AMEX credit bureau, new account team and benefit team multiple times, each one of them keep stating that it's not their job to fix such problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), 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. This fraudulent, inaccurate, and false information consists of XXXX accounts that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im also attaching a list of the hard inquiries from my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items.XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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.
Product: Money transfer, virtual currency, or money service

1 ) XX/XX/2021, my friend wrote a check from her XXXX XXXX account to my Capital One bank account to lend me money for my apartment purchasing down-payment 2 ) Capital One bank ( Capital One 360 ) deposited the check at XX/XX/2021, but they didn't release money to me. I called customer service line many times, but no clear explanations. 

3 ) At XX/XX/2021, Capital One bank took this amount money out of my account without notice me, and then force to close this account by bank without my agreement at XX/XX/XXXX. 

4 ) I followed up many phone calls by through customer service line, none one on the service desk could answer my question " where is the money? '' 5 ) the last phone at XX/XX/2021, one of Capital One customer service person ( gave his name as XXXX ) told me that this amount money have been Hold Harmless by Capital one bank. But he didn't give me the solution on how to solve this holding
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempt to dispute the bankruptcy showing on my reports to Experian but to no avail. I contacted XXXX XXXX the reporting company for Experian and they indidcated the Bankruptcy in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that was claimed to be filed was removed and Experian has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that Experian has not contacted them for any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX  ) XXXX on Monday XX/XX/XXXX at XXXX XXXX. XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion.

Thank you, XXXX XXXX XXXX 3. After a few weeks I received notification as " UPDATED ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and noticed a few things i believe is fraud as i never authorized any of this to my knowledge. I do not recall signing anything with these companies or agreeing to doing any business with them. 

The following companies are giving me hard pulls on my credit report XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX  XXXX XXXX XXXX. 

I believe all these to be fraud. As I did not authorize my credit to be run by any of these companies. 

XXXX for example I had called and they had no idea what I was talking about.
Product: Debt collection

I sent a verification of debt letter to LVNV Funding on XX/XX/XXXX, and they received it on XX/XX/XXXX, USPS tracking number XXXX. After more than 30 days have passed, I called them on XXXX and spoke with a supervisor named XXXX who claimed she did not have any record of my letter being received, even when it was sent certified with a tracking number, and that she will call be back after they investigate. I was promised a call between Monday the XXXX of XXXX and Wednesday the XXXX of XXXX. Since I have not received any call by XXXX, I called them again and spoke first with a supervisor who was extremely rude and mentioned multiple times she will not remove the collection account from the credit bureau in clear violation of the law and that the verification of debt response was sent to me on XXXX, which is past the 30 days deadline and which I have not received yet, and afterwards disconnected the call. I called again and I spoke with another supervisor named XXXX, who confirmed my original verification debt letter was found and received by them on XXXX and that they responded on XXXX. I once again let them know that even if they sent the response on XXXX, it is still way pass the 30 days deadline and hence they are required to remove the collection account from my credit reports. She said she was escalating this issue with the Disputes department and that I should receive a call back between Monday and Wednesday next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX DEEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX  - Card Service XXXXXXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : 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 XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

The reason for this complaint is because there is fraudulent accounts and misinformation on my credit report. I am unsure of how this happened because I did not do this myself. I placed freezes on my credit report to try and prevent this from happening again. I believe my information was leaked in a data breach or stolen. Regardless of how this happened I should not be responsible for the debt attached to these accounts. I am trying to rebuild my credit but havent been succesful, I ask that you please look into this and help me resolve this issue as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX {$7600.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im demanding proof of this 2018 ; 30 day late payment for XXXX XXXX. Experian keeps saying its valid, but has not provided me any proof verifying Ive ever been late on a payment. I even provided a credit report showing Ive never been late on a payment. This 30 day late is inaccurate and needs to be removed
Product: Credit reporting or other personal consumer reports

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( a ) and the United States XXXX Law ( TILA XXXX XXXX Code XXXX ( b ) billing error
Product: Credit reporting

Can not reach a human who will help. Automated numbers are disconnected or are circular redirections to intentionally frustrate. The recording instructs you to write to them by mail and disconnects you completely rather than redirecting to other options. Found a number and reached a human who told me I had to pay to receive my credit report ( illegal ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and show inaccuarte accounts listed to my report. I also filed an FTC report with Transunion and information was deleted and/or blocked and I show that creditors information was reinserted back to my report inaccuratly and or direct viloation for 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Due to non-compliance from creditors and non-reciept of written notice which is beyond 5 business due to the reinsertion. I request to have all account listed attahced to FTC report deleted or blocked permanetly.
Product: Vehicle loan or lease

This has to be the worst XXXX dealership of all of California. I went to this dealership just to figure out my options to return my lease which was coming to an end in a few months. I wanted to finance my car so I wouldn't have to return the lease to not pay the extra milage I went over that I was told when I first leased my car back in 2017. I had a spokesperson name XXXX XXXX who barely spoke any English. At the time there was no other spokesperson so XXXX helped me with his Bosses help the named XXXX XXXX. XXXX told me that it would be better to turn in my car lease that same day early and get another car with so I wouldn't have to pay for the extra milage and get a lower car note a month. XXXX finished me off and got me into a XXXX XXXX after turning in my XXXX XXXX. Worst mistake I made in my entire life. I realize that I seen an additional {$12000.00} on my credit report a few months later on top of my new financed loan. I went to the dealership to discuss getting that additional {$12000.00} off my credit and they explained to me that it was due to the milage from the lease I return. I wanted to talk to Edi that day and waited 1 hour and 30 minutes. But it turned out he explained to two sales people the story and told them what to tell me. I was highly upset because since he sold me the car I wanted to hear it from him which was highly unprofessional on his part. I called XXXX to discuss and all I got was them giving me attitude over the phone and told me I would have to go to the dealership to discuss the matter and get it resolve. Went to the dealership a second time and they still gave me the run around on how I still have to pay that {$12000.00} in mileage. It's been almost 12 months and I still haven't had this issue resolved with XXXX and it's affecting my credit score. I wouldn't have turn in my lease early to have to pay {$12000.00} on mileage. I would have kept my car and financed it after my lease was up as XXXX wasn't getting the car back to put it up back for sale.
Product: Credit reporting or other personal consumer reports

There is an error on my XXXX XXXX XXXXt Acct # XXXX on my credit report. It was never late and should show never late, paid as agreed on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

DP OF EDUC Account # : XXXX | XXXX  Account # : XXXX | XXXX XXXX Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.
Product: Credit card

I called TDBank/XXXX  XXXX  after I was told I had a late payments I had talked to one of their agents and was informed I could make a higher payment to pay for additional months in advance. I did this in good faith that it was possible, soon after the issue resolved that i was past due. XXXX told me their wadnt anything they could but pull a call and i was told that I couldnt do it with them. I took a XXXX credit ding on this due to their agent giving false information.
Product: Credit reporting 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 : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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: Money transfer, virtual currency, or money service

Last XX/XX/year> I sent a remitance through RIA mobile apps and the exchange rate was {$1.00} = XXXX XXXX but to my surprise when it was credited to the account the exchange rate is only {$1.00} = XXXX XXXX. I tried to call RIA customer service and they told me they can't do anything about it.
Product: Debt collection

On XX/XX/XXXX, I received a call at my work, from XXXX XXXX saying she had to speak with me right away. I tried calling her back on XX/XX/XXXX and spoke with a XXXX XXXX who wanted my date of birth and social security number yet refused to disclose who he was and why he was contacting me. On their recorded line, I told him I am not to be called at work, I dont know why they are calling and It sounded like a scam so I ended the call. 
XX/XX/XXXX XXXX XXXX calls me at work again and leaves a message. After work, I call her back to have a bantering conversation with her and she told me the last 4 digits on my social security number, by saying the first and third number were the same, I said yes and she then identified herself as a debt collector for Ascension student loans for my non payment of over {$200000.00} in student loan debt. I told her this was a case from XXXX of identity theft and the first part of my SSN is NOT matching their records, the other persons birthday is in XXXX and the debt is not line and to never contact me again. She said she can contact me. I told her I dealt with this claim with the CFPB and she started getting nervous. She is with Delta Management Associates, Incorporated. XXXX XXXX
Product: Debt collection

I am requesting assistance in obtaining a copy of a Form 1099-C for a charge-off reported by Regional Acceptance Co. The account was charged off and reported to the IRS, but I never received a copy of the Form 1099-C, which I need to verify the cancellation of debt.

I contacted the creditor via certified mail on XX/XX/year> to request this form, but I have not received a response. The charge-off remains on my credit report as a debt owed, despite my belief that it was forgiven and reported to the IRS. 

I am requesting the CFPB 's assistance in resolving this issue and ensuring the creditor provides me with the Form 1099-C.
Product: Debt collection

On Tuesday, XX/XX/2018 I received by postal mail a " final notification '' in an " attempt to clear a balance '' from " XXXX XXXX, '' XXXX, Florida on behalf of " XXXX XXXX XXXX XXXX '' suggesting that I pay them {>= $1,000,000}!!! This is clearly an attempt to initiate contact with the intent to defraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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