23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid XXXX {$60.00} on XX/XX/21, because of a bill they said I owed. When I pulled my credit report, the bill had been reported the the credit bureaus and they did not afford me the opportunity to dispute this amount, because I never used their service and the equipment was returned. The debt is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, Equifax reported a breach for over 143 million consumers due to a breach of consumer data from their system. The issue was known by the company on or around XXXX XXXX, XXXX and they failed to inform the consumers of the issue. Before they notified consumers of the breach, the CEOs sold millions of dollars worth of their stock. I checked their website and found that me and my adult children could be part of this breach. I have been able to freeze my credit on the other two reporting agencies but can not do this with Equifax. I have tried multiple times starting on XXXX XXXX, XXXX to freeze my credit with Equifax both online and via customer support with no success. The website will not give me a PIN number to freeze my credit. The robo messages that I receive when I call tells me to submit my personal data in a letter that only goes to a XXXX XXXX in XXXX Georgia. There is no way that I know that my data would be compromised again since I can not certify or register the letter due to the letter being sent to a XXXX XXXX address. I do not plan to do this. When I eventually get to talk with a customer support representative they tell me they can not freeze my credit by phone. A promise of a supervisor to call me back was noted on XXXX XXXX, XXXX and no one returned my call. I have also contacted the FTC and filed a complaint. The consumers never signed up with this company to deal with my credit. We as consumers should have lifetime monetary coverage by this company in the event that our identity information is compromised in the future. They should be the responsible party to correct this issue on a lifetime basis with no cost to the consumers affected. many consumers can not afford the cost that could be incurred due to this breach.The CEOs who sold their Equifax stock prior to the reporting of the issue should be held responsible. They should place all of their sold share profits in a fund to help the consumers recover any losses incurred during our lifetime. The CEOs should be fined and sent to prison for knowingly failing to fix their security issue when first told back in the Spring of XXXX. This whole process is full of negligence and failure to protect the consumers of the United States. Please remember the 143 million + consumers affected by this travesty and do what is right and just for the citizens of the United States. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

EASTERN ACCOUNT XXXX XXXX Opened XXXX XXXX, 2020 Balance {$210.00} ;
Product: Credit card

destiny credit card has charged me with too much interest and fees, even after i explained my financial problems
Product: Vehicle loan or lease

Good day, I have bought my XXXX XXXX XXXX XXXX as a used vehicle for {$18000.00} which comes up to {$22000.00} on XX/XX/XXXX. Every since I was making payments of {$500.00} some months insurance off my loan of {$440.00} per month to reduce the principle. I have overworked in my medical field during the pandemic and subsequently exacerbated my XXXX XXXX XXXXXXXX from injuries ( XXXX on. XX/XX/XXXX ). I have missed about two payments and spoke to Wells Fargo several times during the pandemic and to the end of the pandemic about my illness and to reduce my interest rate or change my payment date from XXXX to the first of the month. Since COVID-19 outbreak started ; however, XXXX XXXX XXXX XXXX XXXX XXXX Im early XXXX. I have decided to make the payments in the back from my debit card. Recently, I paid off my loan amount XX/XX/XXXX, in the sum of XXXX inside the bank ( branch ) as I normally do ; but I relieved that the bank was charging me later fees from XXXX until the day I paid off the loan of {$44.00} each month the wrong/later fees were applied to my loan. This is over {$600.00} dollars or more. When I asked about this the representative would drop my calls. Now, Im still seeing balance owed of {$5000.00} on my Credit when I check XXXX, XXXX and XXXX. I need my statements from year XXXX to current but they ( Bank ) refused to send or speak to me. My loan is due XXXX of each month except on weekends and my grace period is 15 days, but why am I charged late fees {$44.00} when I made payments on the XXXX, XXXX, XXXX or XXXX of the month. These are the days when my VA compensation payment posted. I need answers and removal of these late fees from my credit and what is owed back to me. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investiagte my disputes regarding inaccurate information on my credit report. Experian consistently responds back with the investigation within 4-5 days without providing any evidence of a full investigation. This practice violates the Fair Credit reporting Act ( fcra ), 15 U.S.C 1681i, which mandates a reasonable investigation of my disputes. Experian 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative procedings ( File No. XXXX ) against them for similar voliations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I HAVE A CREDIT CARD ACCOUNT WITH BANK OF AMERICA, THEY ARE SUEING ME FOR A RIDICULOUS AMOUNT OF MONEY IN WHICH I DID NOT CHARGE, EXCESSIVE INTEREST AND FEESPLUS MANY CHARGES MY FATHER MADE WITHOUT MY PERMISSION SEVERAL MONTHS BEFORE HE PASSED AWAY WITH XXXX XXXXXXXX. I HAVE CALLED BANK OF AMERICA SEVERAL TIMES AND SENT LETTERS TO THEM AND THEIR ATTORNEY TO EXPLAIN THE SITUATION. THEY KEEP TELLING ME THEY ARE INVESTIGATTING THE ACCOUNT. NOW IT HAS BEEN ABOUT THREE MONTHS AND THEY STILL HAVE NOT LET ME KNOW THE STATIS. I HAVE SENT LETTERS AND CALLED AND HAVE TRIED TO SETTLE THE DEBT WITH A OFFER FOR MY PART I BELIEVE IS MY LEGIT DEBT. STILL NO REPLY. NOW I SEE THEY ARE SUEING ME FOR THE FULL AMOUNT, WOULD LIKE TO EITHER WORK OUT A FAIR STTLEMENT FOR WHAT I CHARGES OR SEND ALL INFORMATION REQUESTED TO DEFEND MYSELF FROM THE FRUAD CHARGES. OR I MAY KNOW WHERE I AM AT TO POSSIBLY GO TALK TO A BANKRUPSY ATTORNEY. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Product: Debt collection

I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. 

Please DELETE the following account from my consumer report as it is not mine. 

TRANSUNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I was in the process of booking a flight through XXXX on Friday, XX/XX/XXXX. I saw a promo for an American Express XXXX card, and if approved, they stated I would be able to use the card immediately for the flight. I was approved right away and selected " use the new card '' option on XXXX 's website and I received an error message stating the transaction could not be processed. I reached out to AMEX today to see why it wouldnt allow me to use the card and they could not give me a reason why and offered to send me a card within two days. I approved this because I assumed I needed a new card, but was not told I would no longer be able to use the temporary card information provided originally. Now that they have sent out the replacement card, I am unable to make any purchases until that is received. Unfortunately, that has now resulted in me having to spend more on the flight. American Express could not give me a reason for not being able to use the card and told me nothing could be done ( agent name was XXXX ). This is a classic bait and switch situation and I feel AMEX needs to be held accountable for these shady practices.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 ( a ) ( J ) everything must be accurate and verifiably correct.

along with protection of my rights to privacy and accurate reporting of my info.

I have had to purchase the credit monitoring but for the whole year I haven't been able to pull up any updated reports for XXXX XXXX and EXPERIAN, it's been stuck since XX/XX/XXXX. I am unable to dispute the erroneous and obvious violations on my report. 

I have never been late with any of these accounts. 
It is also illegal to list late payments the year of XXXX XXXXXXXX and with the lates listed as XXXX XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The following inquiries I never authorized no have knowledge and I want them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want the inaccurate reporting of the accounts deleted and the inquiries removed. 
I will pursue monetary compensation if this illegal and blatant vilotion of rights is not corrected in a timely manner. 

I have attached the credit report to show proof of the blatant andd illegal reporting,
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX XXXX ACCOUNT XXXX XXXXXXXX OPENED ON XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I recently became aware that unauthorized fraudulent accounts, addresses, inquiries, and name misspellings have been reporting on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

review these accounts, which appear on my credit report, do not belong to me. 
Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, 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 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 which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Discover is reporting to my XXXX report that it was settled for less than agreed. Discover was very aggressive in collecting on this account. I told them I would pay it off for the agreed amount if they agreed not to report it to my bureau. They agreed and we proceeded. I 've recently learned that it was only charged off by around XXXX dollars. I offered to pay that off in full and they said they 'd take the money but not remove it. I feel this was a deceptive practice and they 're not willing to make it right. They 're also unwilling to work with me on paying off the former charge off. I honestly do n't understand why they would n't want my money at this point. I 'm attempting to repair past wrongs and they were very rude about it when I called.
Product: Debt collection

I disputed a collection account that is listed on my credit report by CLLCN BUREAU OF THE HU., XXXX XXXX XXXX XXXX, XXXX , N. Y. XXXX. They are attempting to collect an alleged debt that I do not owe.
Product: Money transfer, virtual currency, or money service

I am trying to dispute the following charge backs for over 4hours today on PAYPALS your site for charges unauthorized and made as listed below on XX/XX/, were refunded when disputed originally and now charged back by XXXX on Paypal again without reason or investigation results. On Paypal you are instructed to go to their resolution center which I have now for hours without being able to locate these charge backs by Invoice # or dates, then the site does not allow you to see the month when you try and put in the dates and you are not able to send Paypal a message for help.The Charges in question that were originally disputed, refunded then recharged through XXXX XXXX XXXX I am assuming related to Paypal are as follows : the InID # XXXX for XX/XX/XXXX and XXXX are XXXX ( XXXX {$180.00} ), XXXX XXXX {$380.00}, XXXX ( XX/XX/22 - {$420.00} ) & XXXX ( XX/XX/22 {$630.00} ). PAYPAL Mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ALL UNAUTHORIZED CHARGES, Your system does not allow me to find each and dispute seperately ... .ALL CHARGES WERE REFUNDED THEN CHARGED BACK BY XXXX- THEY WERE IDENTITY THEFT and I have a case with FTC and Criminal Police Report XXXX. Kindly provide refunds and any information in writing, your site does not provide accesss to file independently. Actually your site can not even find these case #, 's. signed, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. Another NOTE THERE IS NO ONE THAT CAN HELP YOU WHEN YOU ASK FOR HELP ON THE SITE AND PAYPALS CUSTOMER SERVICE NUMBER HAS NO INDIVIDUAL THAT ANSWERS TO ASSIST EITHER PAYPAL XXXX. It is insane the level of frustration to try and contact PAYPAL To resolve anything. Need assistance.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 Governs Access to Consumer Credit Report Records And Promotes Accuracy, Fairness, And the Privacy Of Personal information Assembled By Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this entry on my account with Experian bureaus as well as with XXXX XXXX. XXXX XXXX placed this erroneous, inaccurate entry on my credit report without providing a dunning letter or any sufficient documentation that would have informed of their intent to collect this alleged debt. The response I received from the bureau stated the account entry was verified ; however, I immediately sent XXXX XXXX ( see attached letter ). XXXX XXXX did not pick up the letter ( see attached letter ) that was returned to me undeliverable although the address I sent was the address listed on my credit report. How then was Experian able to verify that the information was verified? 

By not providing the dunning letter as required by law and not picking up the dispute that was sent, XXXX is in violation of my consumer rights. In my letter that I provided to dispute the validity of their account entry I specifically requested : *An agreement that states their authority to collect on this alleged debt *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary No correspondence was provided. This entry should be DELETED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.