23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We had XXXX XXXX XXXX phone service at home for years, but it would stop working frequently. We notified XXXX XXXX XXXX about this problem on several occasions, but it would keep occurring and XXXX XXXX XXXX never fixed the issue. We ceased paying our XXXX XXXX XXXX bill, because we had no service, and now they have turned it over to a collection agency. We informed the collection agency, Credence Resource Management, to stop all communications and that we were disputing the charges. Credence Resource Management has ignored our request and continues to call my place of employment on a daily basis. They also refuse to identify who they are or the nature of their communication. Credence Resource Management, we believe, is in violation of federal and state ( Texas ) law when it comes to debt collection.
Product: Checking or savings account

I have had checking account at ally bank since XX/XX/scrub>XX/XX/XXXX Suddenly this month first my XXXX access was on hold on the XXXX I got it resolved but somehow since XX/XX/XXXX my account has been suspended for a reason I dont understand and now I cant access the money in my account. I have XXXX dollars in the account and I havent been able to pay my credit card bill.
Product: Money transfer, virtual currency, or money service

The morning of XX/XX/2023, I had {$250.00} in my Cash App Account. By XXXX XXXX  I only had {$80.00}. I have been speaking with Cash App through a Chat box for 7 hours. They promised to send me an email of a spreadsheet explainging what happened, they since asked for my email 2 times and still nothing in my inbox or Spam.

They said there was a discrepancy in a transaction, that is fine then proove it to me. And if you cant show me what happened in 7 hours, that is a huge problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} I did identity theft so that all these to be removed from my report due to someone using my identity for all these accounts without my knowledge
Product: Vehicle loan or lease

Was lied to by dealer..dealer never transferred title in my name or gave to bank..bank has loan in my name but can't transferred title or register vehicle. Bank is still billing me for car without being able to give me title or registration. Selling dealer is not around anymore
Product: Credit reporting or other personal consumer reports

On XX/XX/24, Auto Dealership Named XXXX XXXX XXXX XXXX ran 11 credit inquiries without my consent. The dealerships address is XXXX XXXX XXXX XXXX XXXX, FL XXXX and their phone number is XXXX. The sales person I worked with, XXXX, said he would only perform a soft inquiry. Could these inquiries be removed from my credit report please? They lowered my credit score significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 These are the following accounts that are fraudulent on my consumer report US DEPT XXXX XXXX DEPTEDXXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

" I am filing this complaint to dispute inaccurate and incomplete information on my Early Warning Services ( EWS ) report related to my XXXX XXXX XXXX XXXX account ( # XXXX ). This is my second dispute regarding this account, which was opened on XX/XX/XXXX and is listed as 'Savings/Dormant/Inactive XXXX XXXX XXXX status change date of XX/XX/XXXX. 

The reported information is inaccurate and missing critical details, including : Incorrect Phone Numbers : The report shows phone numbers XXXX and XXXX, which are not associated with this account. 
Incorrect Address : The listed address, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is incorrect. 
Missing Account Details : The report lacks a closure date, payment history, and any indication of recent activity.

Despite disputing this information directly with EWS, these inaccuracies have not been corrected. This misinformation violates my rights under the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate, up-to-date information. The incorrect information on my report has caused significant inconvenience and may negatively impact my financial reputation. I am requesting the CFPBs assistance in ensuring that Early Warning Services investigates and either corrects or removes this inaccurate account from my report. ''
Product: Debt collection

Around XX/XX/XXXX I cancelled all services with XXXX XXXX XXXX. I returned all equipment expect modem because the XXXX  person would not take it to return it. She said they would just throw it away if I gave it to them, I didn't. I put it away when I got home and forgot about it. Not long after I received a check for overpayment. As far as I was concerned I didn't owe XXXX XXXX XXXX anything. That is until late XXXX when I started to receive collection mail and phone calls. I called XXXX XXXX XXXX and explained, again, XXXX would not take the modem. They did not care I owed the money they said. 
I bought a 2nd house and in the move I found the modem. I called XXXX XXXX XXXX on XX/XX/XXXX to let them know I found it and would be returning it. They said OK and would make notes about me calling and stating I would be returning it. I took the modem to XXXX  on XX/XX/XXXX and retuned it, XXXX # XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX to confirm receipt, they said it was not returned. I gave all the information from the return slip, and started an escalation process. On XX/XX/XXXX received an email stating ; STATUS : CLOSED-NOT-ADJUSTED ROOT CAUSE : Equipment Not Found in DB or Supply Chain I returned their equipment per their process yet XXXX XXXX XXXX will not accept the proof I returned the modem. I was able to get the XXXX  location to provide even more proof that I returned the equipment. 

This collections was reported on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX ands I am submitting this CFPB complaint as a follow up to the previoue CFPB complaint I submitted on XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$92.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting Agencies are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX and I am including these items once again.
Product: Money transfer, virtual currency, or money service

I purchased a bank check of {$20000.00} on XX/XX/2021 from Capital One bank. I found out soon after that the person that I invested the money with was a fraud. I contacted and visited the bank to ask them to stop the payment but they did not stop it. The bank told me that their computer system was down and that they could not look up the transaction. The manger informed that when the computer were working again she would investigate the transaction and contact me but she never did. This was neglected on their part and now I loss my familys {$20000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, US DIST CT ACCT XXXX, XXXX XXXX XXXX Acct- XXXX, XXXX XXXX XXXX XXXX ACCT : XXXX, XXXX XXXXXXXX ACCT : XXXX, XXXX XXXXXXXX acct XXXX, XXXX XXXX XXXX XXXX XXXX acct XXXX, XXXX acct XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Note I have reached out to directly to XXXX for the original signed contract and they can not provide I request deletion of this debt from my credit file.
Product: Consumer Loan

I bought my vehicle and ever since the second day of owning my vehicle there has been nothing but problems. The dealership and the bank does not want to help me out at all. Now I 'm stuck paying $ XXXX for a paper weight that 's been in and out of the shop about 11 times since I purchased it on XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

I looked at my credit report yesterday and notice an account I do not have. XXXX is not my account. I want it removed XXXX XXXX XXXX has charged me for {$4000.00} in Visits I have been to his office for. I called and left a lengthy message to try to rectify this problem. He responded condescendingly that I left a long message and he did not take off the charges when I discontinued his service. I will only pay for the XXXX XXXX  and they could not be over {$100.00}. He diagnosed me incorrectly and I am now going to another chiropractor for almost a year. I paid cash {$4000.00} in cash to the new chiropractor. 

XXXX XXXX XXXX Account was opened in XXXX. They say I owe more now almost 2 years later than I did to open the account! I offered to settle with them for {$770.00} this month but found my email and see I owe more than the initial credit card amount 2 years later! I want a reasonable settlement not {$780.00}. Ive already paid them at least {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score.

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 : A consumer reporting agency can not furnish an account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request for an investigation into the inaccuracies on my credit report, which I initially submitted in XX/XX/XXXX. As of today, I have not received any response from your office, and the incorrect information remains on my report, continuing to harm my credit. This lack of action is both concerning and unacceptable. 

For your reference, the inaccuracies I outlined in my original letter are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I kindly request that this matter will be promptly solve by EXPERIAN As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than [ number of days since the initial request ] days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress ''. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting or other personal consumer reports

I was denied a bank account with XXXXXX/XX/XXXX XXXX  due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from Wells Fargo. After having XXXX XXXX XXXX  investigate the accounts, they confirmed that the information furnished by Wells Fargo was not 100 % complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submission, 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 responsible investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Dates XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Product: Student loan

My wife took out several loans in the past with Sallie Mae, that were federal loans and she was able to consolidate them, however while I was going to school I took out the same loans but did not know that this particular loan had become a private loan when Sallie Mae broke away and became a private bank. I now have over {$45000.00} in student loans with Sallie Mae along with {$60000.00} in consolidated loans and was told that my monthly payments would be about {$550.00} on top of my wife 's student loan payments and my consolidated payments, leaving us with a {$1200.00} student loan payment each month. I explained that I could not afford this payment and needed to know what my options where. i was told I could defer the payments for 3 months but would have to pay a {$150.00} in order to apply for the forbearance. When I asked what my other choices where they told me that I would have to prove i could not afford my payments and that they could possibly lower the payment but this would extend it from a 12 year loan to a 20 year loan. I have not had good service from the company and many have no idea what they are talking about. I was told that i could consolidate this loan even though it was private, I was told I could do a year forbearance, and I was also told that I did not have to pay any fees. This loan company seems very incompetent and only worried about what they will get paid. When i finally spoke with a supervisor I asked " what do i do if I can not afford this loan, what are my options? '' I was basically told that there were no options except to pay the {$150.00} for the forbearance for 3 months or pay a lower amount or pay the loan off ( i ca n't afford to make payments and I am going to pay the loan off? ). So what was left is to not make payments because I can not afford them, kill my credit for 7 years as well as having my wages garnished ( if that is even possible with a private loan ). Someone really needs to look into the companies practices as I was told also by a rep that this was not originally a private loan but became a private loan when the company split.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with discover. I have made every payment and as my mother XXXX XXXX has since i was XXXX. They are reporting a late payment that has decreased my credit score XXXX points. EVERY PAYMENT WAS MADE and my mother made XXXX payment for 2 months ago. We just received notification that the payment didnt process knocking my mothers credit payment history from 100 % to 99 % and decreasing my score. I want this late payment removed from my credit files. we made this payment as we do any other time
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, 01- I have been paying {$30000.00} per month since XXXX, Original Loan : {>= $1,000,000}, present loan balance : {$210000.00} ( My Business Real Estate, located in XXXX , TX ) website : XXXX ( I can send you any documents you want for your review ) 02- I have only one credit card : American Express , I have been a member since XXXX my average monthly payment is from {$12000.00} to {$40000.00} ( I can send you copies of my monthly bills for your review ) This is the irony of my life : MY CREDIT SCORE IS ONLY XXXX!!!!! JUST SIMPLY AMAZING!!! What can I do to increase my credit score? 


I am hoping your Bureau will help me with this issue, Best regards, XXXX XXXX My e-mail : XXXX XXXX
Product: Credit card or prepaid card

I am a consumer and I feel that my federally protected consumer rights have been violated. This company told me they do not operate under the fair credit reporting act. And They dont have to follow by what Congress put in the guidelines under 1681.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX  / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet XXXX XXXX has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.