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

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 

Account nameXXXX XXXX XXXX : # XXXX Account name- 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 an 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.

15u.s.c.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XX/XX/XXXXin XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

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

I filed a dispute in regards to the incorrect information on my credit report and its been well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed some trade lines on my experian report.The report number is XXXXExperian sent the results to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX Mi.,XXXX ) .I moved away from that address over a year ago.My new address is XXXX XXXX XXXX, XXXX MI.XXXX.This new address is on my experian report.I dont know why Experian sent my private information to my old address.Luckily,  The people at my old address contacted me.I have disputed other items in the past on XX/XX/2020 report number XXXX, and the results was mailed to my current address XXXX XXXX XXXX, XXXX MI.XXXX.Therefore, My current address is XXXX XXXX XXXX, XXXX MI. XXXX.All experian results SHALL be sent to my current address
Product: Checking or savings account

Chase.com demands accepting two new customer service legal agreements when logging in. One of them is in excess of 100 pages long, and viewing it times out, which makes reading it impossible. 

In essence, Chase locks customers out of their accounts unless they blindly accept a legal agreement with unknown consequences. 

Please compel Chase to send all customers a detailed email pointing out all changes to the customer agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! I appreciate the immediate response of the XXXX and TransUnion for removing the previous fraudulent inquiries and I am very thankful for that, though as of my recent check in my credit reports, there were these new inquiries that I have no knowledge about. So, today in this complaint I request from XXXX, TransUnion and XXXX Bureaus to again block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 Credit Bureaus are obliged to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Also, the data you provided on some of these inquiries were UNKNOWN to me and were already REMOVED from other bureaus and so I have doubt about the accuracy of some of these inquiries that are still reporting in my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is to inform you if you do not BLOCK and REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a credit dispute regarding account XXXX to all three Credit Bureaus. However, the results I received indicated that the account had been charged off as bad debt. This contradicts the previous information on my credit report, which stated that the debt had been included in my bankruptcy and should have been removed. The Credit Bureaus inaccurately updated the information to reflect the account as charged off as bad debt on my new report. 

Furthermore, XXXX indicated that the account was charged off in my bankruptcy but still showed on-time payments. I have not received proper verification or documentation from the Credit Bureaus to substantiate their findings in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681 standards.
Product: Mortgage

I received a letter today in the mail advising I was approved for a modify mortgage payment plan. I called to accept it but was told the plan has expired. The form says I have until XXXX to accept of make first payment. The loss mitigation company falsely said I approved the plan back in XXXX when I never spoke with them or gave verbal approval ( never new there was a plan to approve. ) they are denying this plan now even though it say 's specifically to approve it issue first payment by XX/XX/2023.
Product: Consumer Loan

Hello- I took a loan about 5 years with Regional Acceptance corp , loan was paid in full sometime in XXXX or XXXX in 2016, sometime in XXXX I contact Regional to get an update on the mail of the title and I was told that the tile was mailed to my address that I needed to wait a few days, a few days went by and I told them that I was still waiting on the title and their recommendations was to go to the XXXX office to request a duplicate, I been to XXXX different locations trying to obtain this document and up until now I been unsuccessful to do that, at XXXX they are telling me that they need a Lean release from XXXX in order for them to complete my request, XXXX is part of the corporation own by Regional Acceptance. I have contact Regional multiple times and request the lean release but instead the paper that they have provide me with is not the correct documentation. Im attaching copies of Statement of act, Power of Attorney & XXXX statement of fact obtain from Regional each time I have placed a call requesting the lean release. I can use some help since I do n't know what else to do or where to go. Im also including a copy of the registration /title inquiry from XXXX and a copy of the Application.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT 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. 1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) 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 USC 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. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Citibank owes me approximately {$310.00} in rewards. They will only release it via check sent by regular mail, which I never receive. I spent 2 hours on XX/XX/21 w/ Citibank customer service to request that they either credit the rewards to my account ( I don't owe anything at this time ), or send it via 2 day mail so it can be tracked. They refused but could not say why, said only the corporate side knows. They promised on XX/XX/21 to have someone from corporate call in 48 hours, and said they would issue the check via regular mail and I would have it in 7-10 days. It's now been 2 weeks ; no one from corporate called, and I never got the check. I called customer service again today ( XX/XX/21 ) and spent an hour on the phone, & was told by XXXX XXXX XXXX that they don't know why the amount can't be credited to my account or mailed in a trackable way, & said they were stopping payment. I don't know if they reissued. They transferred me to XXXX in the XXXX XXXX unit in XXXX XXXX. He said he did not know why they can't credit the amount to my account or send it in a trackable way, he said I should ask customer service. I told him customer service said they don't know & transferred me to him. I feel like they are hoping I give up and not get the money promised to me. I have had this card for 29 years & it is a recurring problem everytime, and they won't help me resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved XXXX XXXX, XXXX, Equifax, and XXXX  have all verified them reporting as " Accurate ''. I received a letter from XXXX XXXX on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from XXXX XXXX and my credit report showing how they are reporting false/inaccurate information to XXXX, XXXX, and Equifax!
Product: Credit reporting or other personal consumer reports

XXXX  XXXX account was charged off, as it state on my XXXX credit report. Which whenever an account has been changed off it should not be reported on a consumers credit report as well a write off. The company did not send me a 1099 C form after they charged off the credit as well as reporting a charged off on my report that's considered fraud. Under the FCRA, I'm entitled to seek statutory damages if a creditor furnishes inaccurate information about a debt, such as inaccurately reporting a charge off. While still claiming I owe the debt. I would like to receive my 1099-C form as well as it removed from my credit report. I can sue XXXX  XXXX for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has not sent the correct status of an alleged student loan debt in the amount of XXXX to all three major credit agencies. The alleged student loan debt was closed XXXX  yet all three agencies are reporting damaging information on my consumer report.
Product: Vehicle loan or lease

I am continuing to have a problem with Capital One Auto Finance. 

Lost my job due to covid. I have made arrangements to pay my loan but capone is reporting me late We are in a pandemic no one has money and now you want to kill my credit? 

This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Account # XXXX is charged off and should be removed.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Debt collection

I contacted Roosen Varchetti and Oliver on XX/XX/XXXX to verify debt from a letter I received from the Company on File # XXXX. As of XX/XX/XXXX nothing has been done and after several attempts to speak to company representative have gone unnoticed.
Product: Debt collection

In the summer of XXXX, XXXX sent me an advertisement of a free cellular phone. The phone and the service bill had to be paid by the ACP program run by the federal government. Then, XXXX delivered to me a non-working phone. I requested an exchange of the phone and establishment of the quality service. A case was open. XXXX did not act and did not perform any exchange or repairs. They continued to draw money from the ACP without providing any services. As a result, I cancelled my account with XXXX, requested ACP to stop paying them and requested XXXX to facilitate return of their useless phone. XXXX instructed me to take the phone to a XXXX XXXX for shipment to XXXX. So I did. The local XXXX XXXX declined to accept the phone and stated that XXXX must provide a return shipping label. I requested a return label from XXXX. Yet another case was opened and then closed without any resolution. XXXX effectively declined return of its useless equipment. Then, XXXX fraudulently submitted a charge for the phone and service to my credit card. The fraudulent charge was reversed and further XXXX sham bills were barred from submission by the credit card company. 
In XX/XX/XXXX, XXXX fabricated bills for the services not rendered and equipment not delivered. They teamed up with the collection agency Credence Resource Management to extort money from me according to the false bills. Credence was asked to obtain verification of debt that showed my obligation to pay XXXX  for its services and receipt for their equipment. Credence failed to do so, and continues to base its collection activities on the latter-fabricated false XXXX bills. It is a typical illegal extortionist operation.
Product: Money transfer, virtual currency, or money service

Hello, I used PayPal on  XX/XX/XXXX  to send {$1800.00} to my sister. I accidentally typed in the wrong email address and sent the payment. I noticed IMMEDIATELY and canceled the payment. I re-typed her email address correctly and she got the funds.  <P/> On  XX/XX/XXXX  and  XX/XX/XXXX  my b ank (   XXXX   XXXX   ) cha rged me {$25.00} fees ( {$50.00} total ) because PayPal was continuing to attempt to take out the original {$1800.00} I sent to the incorrect person. Because I cancelled the payment immediately, I assumed that meant  XXXX  things :  ( 1 ) the person on the receiving end would no longer get this money and ( 2 ) PayPal would not take  this out of my bank.  <P/> The latter of the  XXXX  is not true. When I called PayPal, they said they could not stop their system from attempting to take money out of my account. They said it automatically attempts to take it out twice. This means all people who do not have sufficient funds for accidental payments they cancel will automatically be charged unnecessary banking fees because PayPal does not make this clear to consumers when they cancel their payments in their system. They are also hurting their users by automatically extracting funds from cancelled payments twice. This makes no sense to a consumer. If I cancel a payment it means I BOTH (  1 ) no longer want to send the money to the receiver and ( 2 ) I no   longer want these funds taken out of my account.  <P/> This has been an extraordinarily disappointing circumstance.  <P/> Thank you!    XXXX   XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX  XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXXXXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out to the credit bureaus XXXX Experian and XXXX XXXX on XX/XX/2022 letting them know that the courts have not verified this alleged bankruptcy needs to be removed immediately, this is damaging my credit profile. I received a letter from my local courthouse stating that this information is not and was not verified. I will attach this letter.
Product: Checking or savings account

This morning, I had a positive balance of {$70.00}. At XXXX, I was charged an overdraft fee of {$180.00}, putting the balance of that account at - {$100.00}. I am overdrawn because of an overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX.The credit bureaus keep breaking the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX training package. Part of the reason for the purchase was for the training. But the thing that caused me to purchase that training package when I did was that XXXX himself offered a loan through XXXX 

XXXX positioned it for those ( like me at the time ) as a way to rebuild my credit. The promise was the XXXX would be reporting to all three credit companies. 

I purchased the package. Received the training. Made all payments on time. However XXXX reported only to XXXX ( and did not do that properly ) and XXXX, but did not report to XXXX at all. 

When I attempted to resolve this with XXXX by XXXX XXXX XXXX and phone, I was simply blown off. 

Original loan amount was {$4900.00} XXXX # was XXXX Furthermore XXXX did did not report the XXXX amount to Experian.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 proceeding. Take off the old bankruptcy that I requested, old address, and inquiries.