23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The below problem disappeared from my credit after I filed my complaint in XXXX and now it's reappeared on my credit report. My initial report : I have contacted Chrysler Capital more than 10 times reference the current payments of {$490.00} on a {$6300.00} balance with a maturity date of XX/XX/XXXX. My car was a total loss on XX/XX/XXXX, my insurance company XXXX issued a check in the amount of {$14000.00} dated XX/XX/XXXX to Chrysler Capital and the automobile GAP coverage issued a payment of {$7700.00} on XX/XX/XXXX to Chrysler Capital. My request to Chrysler Capital is to adjust the payment amount to the maturity date XX/XX/XXXX which did not change from the original amount of months to pay. I have paid on the account but they determined that the payments was only applied to interest which shows that the company is doing whatever they want to the customers. If calculated the payment should be around {$210.00} per months. The current payment of {$490.00} XXXX 34 months remaining on loan, would add up to payments of {$16000.00} based on the maturity date. I need help I want to pay the amount i owe but based on my contract maturity date. I am only asking them to adjust the payment to the maturity date simple math. I called them several times the customer service representatives were rude, forward calls then ended the call before connecting to the supervisors, request for supervisors call back never materialize.
Product: Debt collection

IN ACCORDING WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERAL PROTECTED CONSUMERS RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX VIOLATED MY RIGHTS. ACCORDING TO THE FOLLOWING : 1. 15 U.S.C. 1681 SECTION 2 ( A ) STATES I HAVE THE RIGHTS TO PRIVACY.

2. 15 U.S.C. 1681 SECTION 604A ( 2 ) IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

3. 15 U.S.C. 1681C SECTION ( A ) ( 5 ) STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING TERMS OF INFORMATION ANY OTHER ADVERSE ITEMS OF INFORMS OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDACATE THE REPORT BY MORE THAN SEVEN YEARS.

4. 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 ACCURATE.
Product: Credit reporting or other personal consumer reports

I did Not authroize these inquires and need them removed I tried to contact the Bureaus and they did not remove them and it is a violation according to 15 U.S. Code 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

In mid-XXXX of XX/XX/XXXX, we contacted a roofing contractor to give us an estimate on replacing our old roof with a new metal roof. He quoted us a price {$8900.00} for a complete roof tear off, replacement of compromised roof decking, removal of old chimney, and installation of a new 5 rib metal roof with new gutters. He drew up the proposal on a contractor 's invoice as he was out of blank proposal documents. 

We agreed to this estimate on XX/XX/2021 and signed the estimate. We provided the roofing contractor a {$4600.00} down payment through XXXX using a Barclays credit card so he could lock in the price for the metal roof. The charge for that money was billed to our account on XX/XX/2021. 

To date, we have been unable to contact the roofing contractor to inquire about the work he agreed to perform as well as ask about a refund of the {$4600.00} that was charged to our account. We have been in contact with Barclays to resolve this issue and to try to get a credit on our account. 

The first dispute we filed with Barclays we were informed via letter dated XX/XX/2021 that the merchant has not violated the terms and conditions of sale. Another document stated that we somehow violated XXXX XXXX terms of service and that XXXX would not refund to Barclays for our account. 

The second time we filed a dispute with Barclays I faxed copies of the proposal that we had signed and again we were informed by letter dated XX/XX/2021 that Merchant has not violated the terms and conditions of the contract. They also stated in the letter that they would not be able to assist us further with this issue. 

We take issue with the second investigation because the contractor has absolutely violated the contract as we have not received any material and no work has been performed in the removing and replacing of our roof.
Product: Credit card or prepaid card

I discovered on or about XX/XX/XXXX that I was delinquent on a line of credit I purchased from Raymour and Flanagan.

After I received the alert from XXXX  I immediately called R & F. They apologized and told me that its best if I reach out to the creditors themselves, TD bank ( TDRCS/RAYMOUR & FLANIGAN ). 

I called them and was told they didnt have my correct address and thats why they never sent a bill ( not true they had my moms address where I used to live and NO BILL WAS SENT THERE ) When I asked them why they didnt call or email, they didnt have an answer and then the line disconnected. 

This happened at least 6 times! I would ask them challenging questions about their collection procedures and then the line would miraculously disconnect. No one would call me back-I had to call back.

When I finally was fed up and wanted to speak to a manager they told me I had to put my name on a waitlist and that the manager would turn around in 48-72 hours! I have yet to get any call back. 

One of the semi-competent agents walked me through setting up an online account on their shoddy website and thats where I discovered my bill was first due in XXXX and as of date, I have missed two payments. I told her that considering the companys negligence and shady collection practices that they should extend my contract by the two months hence making my bill current and then erasing the report off my credit.

She told me that all she could do was take {$40.00} off the bill and that I should have known that I owed a debt even without a bill because I made a purchase.

Imagine that! 

When I disagreed with her, the line magically disconnected again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is saying that I owe {$4800.00} when I already settled the debt with them for {$1600.00} back in XXXX. My credit score is starting to fall and debt has increased on all three of my credit bureaus. This is false information. The company they used to collect the debt was XXXX XXXX. The charge shows on my bank account on XX/XX/XXXX through XXXX XXXX. Somehow this debt has returned. Please help. 

Here is the company in question : XXXX XXXX XXXX  Here is the company they used to collect the debt : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a XXXX XXXX account XXXX that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates XX/XX/XXXX. XX/XX/XXXX. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Acct # XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I was very happy with the service. I was however not the ideal customer and made mistakes with my handling of the account. I should have done better with keeping my account in good standard, I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/XXXX. 

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

In the first seventeen months, my monthly payments never delinquent more than 30 days. However, after my husband was diagnosed with XXXX and was unable to work our family suffered financial hardships and my bills became overdue. This caused my account to be delinquent from XXXX XX/XX/XXXX. 

As soon as my financial situation became better, I worked very hard to get my account up to date. Per my credit report, I have not gone pass 30 days of being delinquent on this account. In addition, I am also working very hard to pay off all late fees. 

I provide this not to justify why the account was unpaid, but rather to show that the issue with ( XXXX XXXX ) is not a good indicator of my actual credit worthiness. I hope that ( XXXX XXXX ) is willing to work with me on erasing this mark from my credit reports. 

I would like to stress the fact the information currently being reported is accurate. I am simply asking ( XXXX XXXX ) for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping you will do that in my case for this account. 

Your kind consideration in this matter is greatly appreciated. 
Regards, Your Signature XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with LENDUP, XXXX XXXX, and XXXX. 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 XXXXXXXX XXXX, XXXX, LENDUP, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

This agency has ignored my certified letter and complaint requesting for validation of the debt they are alleging that I owe. I asked for the purchase agreement or forward flow agreement as well as the chain of title and I have been ignored. I have no contract with this agency and they seem to have acquired my personal information without consent. I am not asking for the bill of sale I am asking for the forward flow agreement. I was unaware of debt with this company and did not sign any contract with them. No consent is identity theft.
Product: Money transfer, virtual currency, or money service

I was using Zelle to receive money for chairs that I was selling. The buyer told me she sent the {$250.00} using Zelle to my Zelle account. I then received an email from Zelle saying my account was not a business account so my {$250.00} was on hold. It said I needed to contact the sender and that the sender would need to send me an additional {$250.00} ( for a total of {$500.00} ) to upgrade my account. The sender says she did this. Then, I get another email from Zelle saying that I now have {$500.00} pending in my account. The email said that to receive my full {$500.00}, I would need to refund the {$250.00} to the sender, send a picture, and then the money would come to my account. I did this, however it did not work. This then prompted me to call XXXX XXXX. I explained the to XXXX XXXX what was going on. They said that everything was fine and that it seems like the transaction was canceled and to try it again. So I did, with the ladies different account. The {$250.00} was sent, and I never received my {$500.00}. The lady then scammed me again into believing that I did it wrong. She made me send her an additional {$250.00} ( {$500.00} total ) to her. I never received any of my money. I called XXXX XXXX  anf Zelle. They said nothing can be done since I authorized the transaction. However, I was scammed by Zelle and misinformed by XXXX XXXX that the transaction was safe and that it was ok to continue. Zelle and XXXX XXXX are at fault and wont help me get my {$500.00} back.
Product: Debt collection

I received a response from the bank on XXXX/XXXX/2016 with a copy of something I supposedly signed and a letter refusing to remove fraudulent information from my credit report and claiming that I signed up for the card online but has not provided an IP address that can be linked to me. The bank could have sent me this IP address proving to me that the debt is mine and trying to make payment arrangements. Since this debt is years old and the bank has had more than enough time to provide proof that could not be questioned in a court of law, remove this from my report immediately.
Product: Debt collection

XXXX XXXX XXXX on behalf of American Express, is suing me for alleged credit card debt. All of my debt, including any credit cards, was consolidated and being paid under the terms and conditions of the consolidation company which makes American Expresses claim invalid.
Product: Debt collection

XX/XX/2019 First contact from this company was when they reached out to a family member of mine.They disclosed all my information, the amount of the debt, the company it was from, who's names were on the account, everything. They never once tried to reach out to me before this. My family member gave me the number that I called back and was told it was United Check Recovery Bureau , Inc, and that I was speaking to XXXX XXXX. I explained that my family member told me you disclosed all of my information to them and he said " Sorry, she asked.  It sounded like she wanted to help. '' Unprofessional, illegal, and unacceptable! What an absolute violation of my privacy. Then they send me an email form about the debt that states in the email they sent me " We would like to protect your privacy ... '' and it says in the email " ... The Federal Fair Debt Collection Practices Act require that ... collectors may not tell another person, other than your attorney or spouse, about your debt. '' Not only did they violate that, they violated and compromised my privacy and information to a family member who should not have been given this information.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 of 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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$200.00} ), XXXX ( Opened XXXX. XXXX, XXXX, Balance {$500.00} ), XXXX - XXXX XXXX ( Opened XXXX. XXXX, XXXX, Balance {$280.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX  ( Opened XXXX. XXXX, XXXX, Balance {$990.00} ), XXXX XXXX  XXXX ( Opened XXXX XXXX, XXXX, Balance {$1000.00} ), XXXX XXXX XXXX Opened XXXX XXXX, XXXX, Credit limit {$1300.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

identity theft, HEALTHCARE RECEIVABLES GROUP are using name, address and Social Security number is being used fraudulently and has taken the signature and the instrument like it belongs to them and trying to collect. 
I do not know who this company is I have not authorized any use of this information and they're causing defamation of character. 
This information is copyrighted
Product: Debt collection

I had to take a helicopter flight because I had a medical situation. At the time I had insurance so there is no way it can be for {$42000.00}. I am happy to resolve this at a much smaller amount but {$42000.00} is completely unreasonable especially since I had insurance and had a max deductible and max out of pocket cost of {$10000.00}. I tried to have them look into this to correct it and they say the debt is valid. I am not questioning the validity of the debt, but the cost of it since my insurance protects me for out of pocket cost above a certain amount. I want them to adjust it correctly based on my out of pocket costs, or remove it completely from my credit report.
Product: Credit reporting or other personal consumer reports

This is in reference to : XXXXXXXX XXXX XXXX  XXXX XXXX Account ending in XXXX Balance due : {$4700.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. 

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. 
I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. 

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX XXXX not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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

These accounts are all reporting inaccurate information on my credit profile. Have tried many times to get these accounts off and yet these still remain. Please remove these accounts from my credit profile. Creditor : 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
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I request that certain accounts be blocked and deleted from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts were opened without my authorization, and I am requesting their immediate removal from my credit report : Fraudulent Accounts : 1. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$520.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$740.00}