23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a letter from this collection agency XXXX XXXX XXXX the letter state that I owe them a debt for {$250.00} was dated XX/XX/XXXX. They said I must notify this office in writing within 30 days from receiving this notice that if I dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy and mail it to me. I then sent them a certified letter with a signature receipt on XX/XX/XXXX asking them to do so. I request they send me something in writing with my signature verifying that I owe them this debt. I then received another letter from them stating that they got the okay from their client to add this to my credit report again I have not received anything from them but yet I get alert on my email on XX/XX/XXXX telling me a new collection has been added on my credit report. How can they add this to my all my credit report without first sending me something with my signature verifying this is my debt? I feel the company violated my rights under the FDCPA. I have not received any letter from this company to explain or etc and I notice they placed this collection on all 3 bureaus without validation letter. I am going to report this action to Attorney General and the Better Business Bureau today to see if can get this off of all my credit reports. This needs to be resolved immediately as this is majorly affecting my credit scores.
Product: Checking or savings account

In XXXX I filed a dispute for charges that were not authorized. 

Chime immediately denied my claim. 

I filed a rebuttal claim and was told by a supervisor that he had no idea why my claim was denied and that he was resubmitting the claim to have a provisional credit released to my account. I waited over a week and nothing was credited. I then asked for proof as to why my claim was denied and Chime sent me in circles via email for weeks with no resolution to my rebuttal claim.
Product: Debt collection

From XX/XX/XXXX - XX/XX/XXXX I paid XXXX approximately {$27000.00} - This amount includes 12 months of rent and the small utilities charged by XXXX. 

XXXX is claiming that I owe them approximately {$5800.00} for unpaid rent and utilities. 

1 ) I paid my utilities to XXXX, XXXX and XXXX XXXX, previously. I asked XXXX to produce a record of the amount I supposedly owed them for for utilities and they were never able to do so. 

2 ) Meanwhile, these supposed utility charges were piling up and XXXX continued to evict me twice with an unlawful detainer. I tried to resolve the UD with the property manager, XXXX XXXX, and he agreed that I shouldn't be evicted, but a second eviction was started. After the second eviction and no response from the property manager  I decided that it was best for me to leave the apartment, so I no longer had to deal with this mishap. 

I lived at XXXX for 12 months and paid my rent on time every month. XXXX was never able to produce a record of what I supposedly owed for utilities and they tried to evict me twice. I have no idea what I owe them, if anything and instead of resolving this with me XXXX decided to go the collection route.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that I believe are a result of fraud. Please investigate these items as soon as possible and remove them from my credit report. 
Below are the details of the fraudulent accounts : Account name : XXXX XXXX Date opened : XX/XX/XXXX Total amount : {$470.00} Account name : XXXX XXXX XXXX In Date opened : XX/XX/XXXX Total amount {$0.00} I did not open these accounts or authorize anyone else to open them on my behalf. This is a clear case of identity theft, and I request that these fraudulent entries be removed from my credit report immediately. 

Enclosed with this letter are copies of relevant documents supporting my claim of identity theft. 
Please investigate this matter promptly and provide me with a written confirmation of the actions taken to resolve this dispute. I also request that you provide me with an updated copy of my credit report once these fraudulent accounts have been removed. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are still reporting inaccurate after their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several student loans with Nelnet per my account : XXXX that have always been in good standing. In 2016 I relocated and Nelnet did not forward my information to my new location. This resulted in my loans becoming delinquent due to clerical error. When I contact Nelnet to remedy I was explicitly advised verbatim by a Nelnet representative that if I opted in to a forbearance of my loans they would not be reported as delinquent to the bureaus, but the drawback to doing this would be that the accrued interest would be amortized as principal on the loan. I agreed to these terms and the forbearance. Instead of this occurring my loans were still reported as delinquent AND the interest accrued was amortized into principal. I was explicitly lied to and coerced into a forbearance when I simply would have brought the loans current if I was n't erroneously informed credit reporting would not be affected. I have contacted Nelnet over a dozen times by telephone, e-mail, secure messages through their online portal, and written letter requesting that they either update my loans to reflect current as the former representative told me they would be, or to undo the amortization of interest into principal. At this time, and nearly a year 's worth of correspondence they have declined to do either. I feel reporting this to the CFPB is the last step I can take in good faith before being forced to pursue litigation.
Product: Debt collection

This account is an unauthorized charge with Affirm, I never received the items and called my bank to dispute the charges. Please remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a bunch of in active accounts on my credit report from this year and last year. i have filed numerous reports with the FTC in regard to this matter. i am also getting harassed by numerous debt collector in regard to these debts. I do not know any of the technical terms for the debts that are trying to be collected. i ask that the following accounts be removed from my credit reports XXXX Hard Inquires XXXX- XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX M & T Bank-XXXX M & T BankXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd Request I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXX XXXX, XXXX, LA XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/1975. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information, I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/2021, XXXX XXXX XXXX, XXXX fraudulently starting reporting repossession on my credit reports with all 3 bureaus. Via thorough documentation, I submitted disputes to have it removed so I may proceed with increasing my score and purchasing a much needed vehicle. Meanwhile, Ive been in civil litigation with XXXX XXXX XXXX and also reported company to Dept of Ag and CFPB who forwarded to FTC. Upon receiving the disputes, XXXX XXXX XXXX removed the repossession as required by law, but out of retaliation replaced my account in paid good standing but closed status with a charge off and marked the XX/XX/2021 history as unpaid, although I was not even in possession of this vehicle in XXXX and this contradicted their earlier claim on my credit. 

I once again disputed this claim, prolonging my ability to purchase a vehicle. Equifax, XXXX  and XXXX have not removed this status and do not seem to have record of the previous claims in which this contradicts, violating consumer rights law. This frivolous and false reporting is being allowed and not monitored thus damaging my credit and ruining my life
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

They sent me a letter threatening to take legal action against me if I did n't take action to pay off my student loans so on Friday XXXX I spoke with a lady from FH CANN I told her that I was already doing a loanRehab with XXXX through the Department of Rd she ask me what was my payments and I told her {$5.00} a month and she told me that {$5.00} was n't feasible for them and they will need more money than that she was so rude about the situation and also I would Like them to contact me only not my job
Product: Mortgage

Closed on XX/XX/22 Seller owed taxes from XXXX and amount was included in his closing cost. 
Taxes were not paid to county treasurer by mortgage company.
Product: Vehicle loan or lease

We chose to voluntarily surrender our vehicle and contacted Prestige numerous times throughout XX/XX/2020. They refused over and over to accept the surrender. We forced the surrender on XX/XX/2020 and sent Prestige a certified letter stating our intention as well as left a copy of the letter in the vehicle that we surrendered. As of XX/XX/2020, our account was current. We did not have any late payments prior to the surrender of our vehicle. Prestige continues to post inaccurate information on both XXXX and XXXX XXXX XXXX credit reports. Prestige claims late payments on the credit reports, which is inaccurate as we surrendered the vehicle and ending our contract on XX/XX/2020. They are currently posting that the account is open, incorrect amounts due with late payments, both of which are inaccurate. We have disputed them numerous times and have given them chance to correct the information. They have refused to do so, continuing to make incorrect claims on our credit reports. As of XX/XX/2020, we have not been given notice of the sale of this vehicle and a final balance and Prestige continues to manufacture information and fraudulently report on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted my dispute on XX/XX/2021 with certified mail to ensure delivery i then waited the allotted time for a response then after 30 days with no response i sent a follow up letter on XX/XX/2021 certified again and still no response the total time for my dispute has been well over 60 days and no information or update
Product: Credit card or prepaid card

Interest was jacked up to 29.99 % APR on my business cards due to some missed payments. Fine, its in the " rules ''. I've managed to stay up to date for at least 19 months ... Chase will still not reduce the APR. Reduce it to half, maybe I'd be able to actually get it paid off. Not what they want... they want to keep me under their thumb to squeeze every dollar they can get. 
Kinda sounds like a XXXX  situation to me.
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 ( XXXX ) 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, XXXXXXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit card or prepaid card

I am writing to DISCOVER FINANCIAL SERVICE because I am having difficulties with applying for new credit cards. The late paymen on XX/XX/2020 in XXXX, XXXX  and XXXX  report prevents me from achieving the desired results. 
I am kindly requesting DISCOVER FINANCIAL SERVICE to remove this late paymen from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a credit card and received many inquiries. 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 instruction. 
Inquiries : 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
Product: Money transfer, virtual currency, or money service

1.My Name is XXXX XXXX my cash app is XX/XX/XXXX XX/XX/XXXXand my email is XXXX and my phone number is XXXX 2. The date of these transactions is XXXX XXXX And the amounts are XXXX XXXX XXXX and XXXX The first transaction was at XXXX : XXXX and the last one was at XXXX : XXXX 3. The reason Im making this claim is because I never made these transactions I dont know how somebody did but I need my money back 4. I was no instructed to download nothing 5. I have a XXXX XXXX XXXX 6. XXXX New York 7.I never forwarded or gave my Account to anyone
Product: Vehicle loan or lease

I recently received a copy of my credit report and notice inaccurate information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt collection

I am a victim of identity theft. There was a fraudulent XXXX account opened in my name. The debt is currently reporting on my credit report by a collection agency called Diversified Consultants. I have provided documents to both companies proving that I am a victim. I have been trying to get the Diversified Consultants collection account removed from my credit report for the past 3 months.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting XXXX account # XXXX has violated my rights.

15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 states consumer reporting agency can not furnish a account without my written instructions 15 USC 1668B A creditor may not treat a payment on a account under an open end consumers credit plan as late for and purpose
Product: Debt collection

I received bill from XXXX XXXX XXXX XXXX, {$1700.00}. then i got explanation of benefits from medicare, an my secondary insurance.That was XXXX over a year ago. XXXX accepted the charges an paid their share, an my secondary picked up the remaining, they was responsible for. then i seen where XXXX  XXXX XXXX had turned the account over to a collection agency, I called medicare they gave me the physician phone number of the doctor office that turned the account over to collection. XXXX told me i didn't own that doctor anything. I then called the doctor an they said they would remove the collection. will it should up again this year, XXXX. To me it was possible XXXX XXXX XXXX XXXX was trying to collect more money, by selling the account to collection agency. That i never owned.
Product: Credit reporting or other personal consumer reports

XXXX I used XXXX with XXXX XXXX over yhe years. I'm requesting any negative impact on my credit reporting be removed immediately. 
{$100.00} {$500.00} {$360.00} {$890.00} {$75.00} {$380.00} {$270.00} {$50.00} {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several months ( starting XX/XX/XXXX ) I've sent XXXX and TransUnion numerous correspondence outlining the fact that I was a victim of identity theft. Within my letters, I provided XXXX and TransUnion with detailed descriptions of various unauthorized transactions by third parties pretending to be me. 

Specifically, within the letters, I disputed the false and derogatory information that was improperly reported on my credit reports as a result of his identity theft. In addition, I provided all documents requested by XXXX and TransUnion to prove my claim of identity theft such as multiple police reports, FTC ID Theft affidavits, etc. 

Despite this, in response to all of my prior communications, XXXX and TransUnion have failed to take the appropriate action to remove these illegal and improper entries from my credit report, in clear violation of the Fair Credit Report Act ( FCRA ). XXXX and TransUnion have impeded all of my prior efforts by asking for duplicates of documents and reports, which had already been produced, multiple times. It is clear from XXXX and TransUnion conduct that it's not their intention to comply with its obligations under the FCRA. 

I have asked ( demanded ) multiple times that XXXX and TransUnion remove the aforementioned entries. To date ( XX/XX/XXXX ) they all still appear on my Credit Report. This is having a detrimental effect on my ability to get credit, apply for financing, etc. As such, immediate action was required to be taken by XXXX and TransUnion to remedy this. 

The Fair Credit Reporting Act ( FCRA ) provides mandates that all credit reporting agencies and bureaus must comply with. Specifically, 15 U.S.C. 1681c-2 states : ( a ) Block : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Vehicle loan or lease

I trade in my XXXX XXXX at XXXX XXXX on XX/XX/XXXX. They accepted my XXXX XXXX for {$12000.00}, after paying for the balance of my auto loan to my credit union The salesman convinced me to do it giving me leather seats and tinted windows free of charge. Also the monthly payment should be between {$250.00} - {$300.00} per month. The payment went from {$250.00} - {$300.00} to {$420.00} per month. A few days ago I checked the sale contract and I noticed the leather seats were included in the price of the car, {$2600.00}. I went to the dealership today, and they said they dont give gifts to customers. This is a shame!!!