23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I received letter from CACi XXXX Consumer Adjustment Company Inc ) stating I owed over {$600.00}. When I called to get details, I was told it was for the balance billing of an XXXX visit on XX/XX/XXXX. I advised agency I never received a bill, had XXXX coverage at that time who would have been financially responsible. XXXXXXXXThe phone rep dvised me could file a dispute online. Thanked him and said I would send a certified letter for debt validation. 

Mailed debt validation letter and debt dispute letter by certified mail on XX/XX/XXXX. As of XX/XX/XXXX, I have received no further correspondence or communication, but discovered CACi reported the debt to XXXX on XX/XX/XXXX without validation or further communication to me. This was discovered during process of buying some land. Loan terms ( interest rate were raised due to negative reporting ). 

Since I had an HMO then, the XXXX charges would be between the provider and insurance company ; I am to be held harmless. If the XXXX had billed timely, I could have followed up with XXXX  on payment ; however, after this length of time, I no longer have the coverage and it is outside the window for appeals. 
Further, TXXXX XXXX XXXX XXXX - Title 2 and Title 6 have a statute of limitations on medical billing and collections. This timeline is outside of both.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each Credit Buruea about the inaccurate reporting of the Bankruptcy they do not meet the guidelines set forth to report this on my credit file, XXXX is the only Buruea that has acted accordingly to the rules and regulations, they stated this information was provided by a 3rd Party, therefore I would like the other 2 Burueas Experian and XXXX to remove and delete the Bankruptcy as well off my credit file. I have contacted the Bankruptcy court and they responded they do not provide this information to the Burueas or 3rd Party Agencies. Ive sent several letters asking them to dispose of this on my credit and they keep saying they verified it, which is not true.
Product: Checking or savings account

On Tuesday XX/XX/2022 my account was charged various transactions for already processed and charged transactions. 

The company was informed only to be told they didnt see it and the CSR sent me to a survey to end the call without addressing the issue. 

I called back a second time and that CSR confirmed they could see the duplicate transactions and that they were aware and working on a fix. 

XX/XX/2022 they cancelled/reversed/terminated all but three of transactions. I again reached out and informed them that again they missed ones and I believe it was due to the amounts not including the tip that is manually added by the restaurants themselves directly. 

They said wait 1-2 hours and check back if they are not removed to call us back since it was only XXXX. 

At XXXX the notification by the bank that all issues and transactions were addressed and resolved and was all working correctly. 

I waited until roughly XXXX pm on the XXXX only to find that they still remained on my account. I contacted them again and they informed the department of this and should be completed by Close of Business. 

XX/XX/2022 the charges still remain on my account in processing which I again informed them of this issue. I was informed please wait another 1-2 days in order for this to be resolved. 

I had roughly {$300.00} taken out of my account for double charged processing fees which put a hindrance on my daily life preventing me from completing specific work tasks which in turn had a direct impact on my financial income causing financial damages. 

There is still {$110.00} being withheld from me for over 72 hours which the bank is aware of and this to me is theft by the organization. 

The bank is well aware and been made aware but refuses to act and ensure the consumer is taken care of and the money is accurately returned but they refuse to do. 

I have made countless means of contact by means of phone at XXXX XXXX  and XXXX XXXX XXXX morning, XXXX XXXX afternoon, and countless chat conversations from XXXX XXXX morning through XXXX the XXXX afternoon at XXXX to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for any of the accounts that I'm stating on my report. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$21000.00}. I also have inquires that are not mine and know anything about from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and a list of companies reporting inquiries that I have no knowledge of. I do not have any contracts with any of the stated companies on my complaint. None of the companies stated above have provided me with any original contract as requested.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Vehicle loan or lease

I'm exercising my right to rescind this auto lease agreement with CarMax. The consummation of this lease agreement took place XXXX XXXX, 2021. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering.
Product: Debt collection

I am writing to dispute inaccurate information appearing on my credit report. According to the information provided by [ Credit Bureau Name ], there is an account listed under the account number XXXX with the following details : Account Type : XXXX  - Unsecured Loan Date Opened : XX/XX/XXXX Account Status : Closed Payment Status : Paid, was past due 90 days Last Reported : XX/XX/XXXX Date Last Active : XXXX am disputing this account based on the following grounds : The account status is listed as " Closed, '' indicating that the account is no longer active. However, the reported date last active is XX/XX/XXXX, which contradicts the closed status.The payment status indicates that the account was " Paid, was past due 90 days. '' However, there is no record of any late payments in the provided two-year payment history. This discrepancy raises questions about the accuracy of the reported payment status. [ Include any additional inaccuracies or discrepancies you have identified in the account information. ] I request a thorough investigation into this matter to verify the accuracy of the account information. If it is found to be inaccurate, misleading, or unverifiable, I demand that it be promptly corrected or removed from my credit report.Please provide me with a written explanation of the results of your investigation and any actions taken within 30 days of receipt of this dispute letter, as required by law.Thank you for your attention to this matter.
Product: Vehicle loan or lease

I got the lease from XXXX  with the title and loan held by Hyundai Motor Finance co. I moved to a different state and the new state requires that I transfer registration and licence to the new state within 60 days. In order to do that I need to get a copy of the title and be given power of attorney so I can go to my states DMV and do the transfer. It has been over a month and half of me calling, emailing, sending them requests on their proprietary system to no avail. I am at wits end as to how to resolve this as I will soon be unable to drive my car since the 60 days will be over.

This seems to be a common complaint that people have with Hyundai Motor Finance where they don't release the title.
Product: Debt collection

I have disputed, file prior CFPB complaints, requested verification, and even called XXXX XXXX THEY HAVE NOTHING under my social. I can't seem to get this resolved. I need help.
Product: Checking or savings account

Huntington bank in XXXX, OHIO. 
Their stupid atm is not working. I drove 50 miles out of the way to get there to deposit cash. The atm said " this can not be completed at this time '', I tried 3 times!!

No deposit could be done, it did not even ask if you were depositing cash or check.

And their drive up atm is loaded with a ton of spiders and stink bugs!!! TONS OF SPIDER WEBS AND ON THE LIGHT FIXTURES OUTSIDE, AND SOME WENT IN MY CAR!!!!

DISGUSTING!!!!!!!!!!!

AND THEY DO NOT ANSWER THEIR PHONE, IT GOES TO VOICE MAIL!!!!

FINE THIS BRANCH BIG TIME!!!!!!!!!!

THEY NEVER RESPONDED TO THE LAST COMPLAINT I PUT IN EITHER!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why EXPERIAN submitted a PERSONAL INFO DISPUTE XXXX against my birthdate when the original case on CFPB XXXX is EXPERIAN REAGING my account!!!!!!!!!!!!!! I want this account REMOVED from my profile. I am not disputing my date of birth or personal information! READ my letter AND my screenshots. On XX/XX/XXXX you had this account to fall off my credit report in XX/XX/XXXX and now it says XX/XX/XXXX?! I will be reporting this as it is illegal. I am giving you a second change. REMOVE this account or revise the reaging! 

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX RE : Investigation Request to Delete Credit Inquires To Whom it May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to challenge questionable information that I have found on my personal credit report. It has come to my attention that you have REAGED an account. The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX XXXX I am allowing you 30 days to complete this investigation and remove this account from my profile. XXXX took it upon themselves to delete this problematic account from my history without me asking so now I know you should be able to do it too. If this account is not removed, I will be reporting Experian and XXXX XXXX for illegally aging an account that was previously set to close on XX/XX/XXXX to the Federal Trade Commission and Attorney General. Truly, XXXX XXXX
Product: Debt collection

I called into Enhanced Recovery Cor to settle my {$370.00} XXXX account. I asked to speak to a manager because things usually go better that way. The representative asked me why, I explained, she replied with " so you think that 's going to help you not pay ''. 
She ended up transferring me when I threatened to hangup. The manager was rude, constantly interrupted me, raised his voice. When I offered to settle for {$100.00} which is all I can afford & a little over 25 % he laughed & said I needed to try & settle for at least half which is {$180.00}. I told him I could n't & he said that his company would check into that & call me every few days until I figured out how to pay it.
Product: Debt collection

I received my initial garnishment on XX/XX/year>. After XXXX  days, it said it was completed. As of today, XX/XX/year>, they withdrew money from my bank account without giving me prior warning or verification that I still owed anything. The pulled everything out of my account. 

The person I spoke to said they send the notification letter at the time of garnishment so that people can't close their accounts. I did not receive any written letter of notification. 

The case ID is XXXX. The creditor is XXXX XXXX XXXX XXXX credit.
Product: Credit reporting or other personal consumer reports

Yes, my personal data and social security information was leaked multiple times over the last year. It has resulted in unknown viewing of my credit as well as inaccurate information reported to all 3 credit bureaus. 15 USC 1681 says I have a right to privacy. I feel my whole credit report is now compromised and preventing be from being able to move forward building my credit. Every attempt I have made this last year to improve my credit is been unsuccessful as I feel I am being frauded because someone else is continuously using my information. I was about to spend money I didn't have to hire a lawyer. Thankfully that lawyer was honest. He told me that millions of people were experiencing the same issues. He also showed me all of the reports and directed me here to file a complaint. I also will be writing each bureau to get these things removed immediately! Please work on better protecting our private information.
Product: Debt collection

Im currently being sued by Portfolio Recovery Associates without any notice. My job payroll department contacted me about a notice of wage garnishment from Portfolio Recovery Associate Ive asked for a debt of validation letter numerous times and still have yet to receive it. Portfolio Recovery never reached out to me regarding any of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I got a medical bill on my credit report fraudulently I disputed this account XXXX the XXXX 2022 On XXXX the XXXX 2022 is still appear on my account my account I disputed this account again XXXX the XXXX 2022 on XXXX the XXXX XXXX it still appears on my account XXXX the XXXX 2022 I'll dispute it this account again on XX/XX/XXXX XXXX 2022 is still appear on my account XXXX the XXXX 2022 I disputed this discount again on XXXX the XXXX XXXX is still apparent on my account And it's also on my credit report twice The same account
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct it.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate reporting of these accounts have violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I ordered an XXXX bike from a company called XXXX, was given a delivery date and when I recieved box I was missing components. 
Reached out to XXXX and requested my items and informed them that I was XXXX. Their way of helping was to keep asking me to perform actions that would result in self injury or harm, I did not respect the fact I had to divulge personal medical information, even after expressing said difficulties they continued to ask for more and more of the same pictures which I had sent. 
I disputed with Bank of American who know my card holder, they credited and later readjusted in favor of merchant ( Volectric ) XXXX felt disregarded and taken advantage of by my bank ( Bank of America XXXX I appreciate your time and consideration, I would like to formally complain about Bank of America and XXXX and receive a refund {$1900.00} for Merchandise never received
Product: Credit reporting or other personal consumer reports

Monterey Financial Services, XXXX is reporting an unverified debt on my credit report, despite failing to provide proper validation. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), any reported debt must be accurate, verifiable, and lawfully collected. This alleged debt does not meet those standards. The original creditor was already notified that this debt does not belong to me. The account is listed as a joint account, and I have not given consent or authorized an account with either the original creditor or collection agency. 

Additionally, Monterey Financial Services, LLCs right to transact business in the state of Texas has been forfeited, rendering them legally incapable of collecting or reporting this debt. Documentation proving this forfeiture is attached. Furthermore, the original creditor listed also has an inactive business registration and has lost its right to transact or sell debts. The fact that both entities have forfeited business privileges raises serious concerns about potential fraudulent or illegal collection practices. 

Moreover, the account opening date is listed as XX/XX/year>, meaning the collection account has reached an age where it should no longer be reported under applicable credit reporting guidelines. 

Given these violations, I am formally ordering a cease-and-desist regarding any further collection or reporting of this account. Monterey Financial Services, LLC must immediately delete this account from my credit report or face legal action for violations of the FCRA and FDCPA.
Product: Credit card or prepaid card

ASPIRE Credit Card has decided that I agreed to pay a " Maintenance Fee '' after the 1st year that my card was open. I recently was charged {$12.00} for this fee that they say even if I close out the card, they can still charge. This is not the Annual Fee of {$49.00} or the Interest, it is a fee they set and will continue to charge until the account is a zero balance. It is very unfair. 

I recently since XX/XX/2021 have had 4 XXXX for XXXX and been struggling. I called in to them to get caught up and no one tried to tell me about this additional hardship or Credit Protection until today XX/XX/XXXX 

I called XXXX XXXX and have 2 cards with them. They do not engage in thus practice. 

This company address is : XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Upon looking on my credit report i noticed these companies on my report that i have n knowledge of and have never directly done business with. Ive mailed multiple letters asking the credit bureaus to verify that all information is correct as per FCRA Section 609 ( a ), ( 1 ), reporting accurately and that these accounts are mines and they failed to do so. I have yet to receive a response, update on my credit report and a copy of the original contract between me and creditor verifying that this is my debt and that they have the right to report anything that they decide to at anytime without it being a legit debt owed by me. I asked for these items to be deleted if they cant be properly verified, incomplete or inaccurate per FCRA law 611 ( 5 ) ( A ). In my 3rd letter i reminded of my rights to seek relief and monetary damages under Section 616 and 617 regarding their willful negligent noncompliance and disregard of my rights as a citizen in this beautiful United States. They have repeatedly failed to verify, update, send me the necessary documents requested by me based off my legal rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I recently reviewed my credit report to find request for credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Product: Credit reporting or other personal consumer reports

please investigate Transunions FAILURE TO RESPOND. I spoke with Transunion rep XXXX today XXXX at/around XXXX who advised me that they received my letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but they do not open up disputes for inquiries or by mail the consumer has to call in. Is Transunion regulated to do this? What laws state this? 

Please review all documents and do something about Transunion failure to follow FCRA and other federal regulations.