23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During XXXX  week XX/XX/XXXX, we traveled from XXXX to XXXX   with our XXXX  device.

We received 4 toll violation notices from the XXXX XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX ( XXXX, XXXX, XXXX and XXXX ). We completed the violation dispute form for each violation and mailed them back to XXXX XXXX XXXX on XX/XX/XXXX. We received a letter from XXXX XXXX XXXX XXXX XXXX   dated XX/XX/XXXX for violation XXXX in which they rejected our dispute based on 1 or more of 3 reasons ( the exact reason was not indicated ). We then responded with a letter that addressed each of the 3 reasons with proof that we had not violated any of the reasons given. We then received a letter from Retrieval-Masters Creditors dated XX/XX/XXXX that violation XXXX  had been sent to them for collection. We sent them a cease and desist letter as well as a letter to the XXXX XXXX XXXX XXXX XXXX  explaining once again that we should not be charged for toll violations. We also decided to send a letter on the same day to the the XXXX Attorney General for assistance on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE XXXX IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. 

Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX, and Experian on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXX I was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was Wisconsin FED XXXX XXXX Docket # XXXX. I was than told that was not acceptable.
Product: Vehicle loan or lease

I got a vehicle through credit acceptance the remaining balance didnt change hardly after payments so they repossessed the vehicle and sold it but still saying I owe XXXX but the car had mechanical problems after purchase
Product: Credit card

I have a XXXX XXXX fortiva card with an open balance so I go to XXXX  in XXXX to buy furniture they place me on a leasing program that charging 4 times the cost of product I bought
Product: Debt collection

I asked if collector could call me outside of work hrs but she insisted on sending legal papers to my house and job. Then hung up on me while on my cellphone and proceeded to call my job and asked who is this, saying " oh this is her '' " we have your driver 's license '' and then hung up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. My personal information was found on the dark web, such as my SSN, address, dob, and name. This is identity theft, Also, I notice my information was exposed in XXXX and TransUnion data breaches. I demand this information be blocked from my credit report for any future reporting. This is a violation of my privacy, and defamation of character I'm in the process of purchasing a home. I demand immediate deletion. There are also tons of inquiries, and creditors I have never heard of or ever done business with I demand immediate deletion.
Product: Checking or savings account

On XX/XX/2020 I tried to login into my online banking account with Bank of America. During this process I noticed that the XXXX request to login into the account was not encrypted and my login credentials were passed over the internet in plain text ( not encrypted ). I called Bank of America and was told that they did not have the capability to encrypt the request. This is 100 % false and a HUGE security breach.
Product: Credit reporting or other personal consumer reports

A hard inquiry is showing on my XXXX  from Barclays I did not apply for this line of credit and reported they said they would not process the application and report it as fraud but the hard inquiry is still showing up
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number. 

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were v
erified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due 6. Purchase contract The specific account ( s ) in question are as follows : XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 


Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

According to XXXX XXXX. XXXX ( c ) You have violated my rights by in lawful communications. Please remove the collection account with XXXX XXXX XXXX, account number ending in XXXX, from my credit report immediately and send me a copy of my updated credit report once this account has been permanently removed.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report these remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer and natural person, was denied credit by JPMorgan Chase Bank , National Association when I applied for consumer financial product or service referred to as Chase Freedom Card. Adverse action against a me as consumer is against the law according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. JPMorgan Chase Bank , National Association is subject to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by JPMorgan Chase Bank , National Association due to the response I received in adverse action letter. JPMorgan Chase Bank , National Association is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I, the consumer tendered valuable completed application in good faith, but credit was not issued. Furthermore, because my social security account number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) by fiduciary, JPMorgan Chase Bank , National Association.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did Not Authorize anyone to open any Account Using my Social and ID to open this Account
Product: Debt collection

I believe that the account being re-reported to my credit report had fallen off or paid for by me. I am certain that I paid another debt collection or this same collection agency Talbott Adams and Moore spears the amount of {$260.00}. I called the credit collection agency and they asked for a receipt number which i obviously do n't have becuase it has been XXXX years since i paid for it and it was removed from my credit report. I want challenge the accuracy of the information and verification of this debt from XXXX.
Product: Debt collection

In XX/XX/2019, I unfortunately opened an account with XXXX at their store in XXXX, FL with a dishonest sales rep by the last name of XXXX. He falsely opened and set up my account, unknowingly to me as a business account. He stated I was getting services for about {$100.00} a month and a FREE XXXX. I ended up having a first bill for over {$200.00}. XXXX has sent my account to SUNRISE CREDIT SERVICES for {$520.00}. This is the SECOND debt collection agency they have sent my account to. In XX/XX/2019, a store manager said he would " fix '' the charges on my account. The service was terrible so I ended up transferring back to XXXX. I WANT THIS DEBT CLEARED OFF MY CREDIT REPORTS BECAUSE IT WAS FALSE AND DISHONEST BY A XXXX EMPLOYEE.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNT. MY INFORMATION WAS EXPOSED DURING DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT, THE FOLLOWING ARE UNAUTHORIZED. XXXX Account XXXX : XXXX XXXX. XXXX XXXX AUTO Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX PLUSFOUR INC XXXX XXXX XXXX XXXX  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 Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Can you verify the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Product: Credit card

Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a XXXX XXXX XXXX XXXX. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$1100.00}, but has been sold. The balance should be {$0.00}. The company has also written this debt off, and sold it to another lender. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to to inaccuracy and potential fraud.
Product: Debt collection

Please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able to obtain credit right now and that is not acceptable. 

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. 

XXXX XXXX XXXX : XXXX The payment status is incorrect, please delete. 

XXXX XXXX : XXXX The past due amount reported is incorrect, please delete. 

XXXX : XXXX The payment status is incorrect, please delete. 

XXXX XXXX XXXX XXXX : XXXX This account isn't reporting correctly, please delete. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of these collections misrepresents my payment history and negatively impacts my credit score. Furthermore, 15 U.S.C. 68 0 2 states ; A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I see that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX dated XX/XX/year>, stating that they have deleted the XXXX XXXX XXXX from my file due to the data being unverifiable. XXXX sited this according to the FCRA 15 USC 1681 et seq. XXXX, Equifax and XXXX failed to remove the same bankruptcy from my report stating that XXXX has verified it after XX/XX/year>. This is a violation of my rights and I demand that this information be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian on XX/XX/22 to dispute unrecognized hard inquires on my account. The representative was very deceitful making up random laws to justify unknown inquiries and when asked that I be provided with my credit files and sources that verify that the inquires were infact accurate and valid the representative hung up on me.
Product: Mortgage

I am writing to expose the fact that some of the banks that are listed as participants in the HARP Home Affordable Refinance Program, do n't honor their commitment to the program. I have called the Nationstar mortgage twice on ( XX/XX/2016 and XX/XX/2016 ) to inquire that my mortgage be refinanced at 2 % fix rate as the HARP was designed for people who find themselves in a situation similar to mine, where my property is worth less than the remaining balance and I got turn down. XXXX XXXX admitted that the Nationstar participates in the HARP but stated that a 2 % refinance is not doable. I have been with this bank for about 6 years. I have received numerous correspondences from them asking me to refinance my home in an effort to help save money, and also a few letters were sent to me commending my payment history. As an American citizen, I demand that I benefit from the bank service that our government offers, provided that I am qualified to make use of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to XXXX, experian? And XXXX  to provide information on XXXX XXXX, XXXX, XXXX  which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my deep disappointment and frustration regarding the continued issue of late opening accounts, despite our previous attempts to rectify the situation. As we embark on the several attempts to address this issue, it is imperative that we take decisive action to ensure its resolution. 

I urge you to conduct a comprehensive review of our account opening processes and systems to identify the root causes of these delays. It is essential that we identify any bottlenecks or inefficiencies and implement effective measures to streamline our procedures and improve turnaround times. 

It is crucial that we communicate transparently with our clients regarding the steps being taken to address this issue and provide assurances of our commitment to delivering a seamless and timely account opening experience. Failure to resolve this matter in a timely manner not only damages our business relationships but also undermines the trust and confidence of our clients. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$0.00}.
Product: Credit card

Requested a statement I hopes I could understand my charges, balances and interest. I did not receive the statement until I started receiving harassing call from their associates. Once I started receiving their statements I accumulated, {$41.00} in late plus interest of {$670.00} for a credit limit of {$5000.00}. This doesn't count the payment I made prior to receiving my last statements. The deceiving and confusing methods this bank uses are very concerning and questionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX  I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my credit score. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my XXXX XXXX report 5 new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with XXXX and transuion. But I am unable to proceed.
Product: Credit card or prepaid card

( paid before it was due online ) XX/XX/2018-i paid {$50.00} to Discover ( I am XXXX and am having problems with my bills, so I got legal advice that said to pay them something and pay on time ) { also, they previously not only let me go over luimit, but apparently confused me about things including about what was owed and " we '' thought I also had a 18 deferred interest rate aswell-note : someone helped me apply for this card originally because they thougt the 5 % ,3 % etc onpurcahese would be a good thing And Help My Credit, but apparently those purchases got 'fudged ' and it was never clear what actually qualified } Then they kept trying to get me to get aloan with them even I wasn't paying it off, but paying what they asked ( which was harder and harder and it kept going up even before a year ) and there were purchase I didn't make, but didn't know how ot dispute. Anyway, i went to frreelegal help and they said to pay at least {$50.00}. 
( tried to pay before it was due as well ) XX/XX/2018-i tried to pay {$50.00}. They wouldn't let me and I saw that they said I not only didn't pay in XXXX, but that I was also late. ( which apparently causeing problems with my credit now ) I have never been late on this card, we even made pre payments in the months before due { .example :. I paid them in late XXXX on a bill due in XXXX. } so I kept trying to pay them and they wouldn't let me. Then they started putting up options-like pay this amount for 12 months at different %, etc. So even though {$130.00} was too high, it was best option, even if it wasn't. I had too not pay on another bill for home needs. 
Then I started getting emails that my credit score had been changed and that there was activity on it. Which others were trying to keep from happening. 
XX/XX/2018-i went on to try and pay the again and they said min due was almost {$400.00} and that I was still late, and it was keeping me from paying the ' {$130.00} payments they bullied me into paying in XXXX ' Some chat person came on and I told them I have never been late and thety started condescending me again and not answereing my questions again. I finally, just said, well I guess im niot paying you and I will be respoprting you to XXXX, etc and also that I guess ill have to have the Debt creditr people help me now. ALL I wanted was tio have beter credit and to just live and be a good American. They left me no choice. now I have tio have a debvt consolidation company come in ( I really don't even owe them most of what they say-most is interest and other'possible fraud ' of someone else. I need help, they has caused me XXXX XXXX XXXX, etc. They have made the Credit reporting people now destroy my credit.