23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, In reviewing my credit reports, I came across a debt item that was listed incorrectly. I disputed this account to the credit bureaus, and they confirmed it was verified as accurate by you. 
I am aware of the rights I have and am requesting that you immediately remove the debt from my credit reports, or you may face damages by reporting inaccurate data to a credit reporting agency. ( See the FCRA ) This debt is listed as a charge off, with a last date of activity ofXX/XX/2018 You are reporting the charge off date as the date you purchased the debt instead of the actual charge off date. This is a clear violation of the Fair Credit Reporting Act, as it is clearly stated that " no debt may be reported to a consumers ' credit file for any longer than 7 years from the date of first serious delinquency or charge off. '' Because you have altered the charge off date as the date you purchased it, you are committing fraud. I have informed the credit bureaus of this and have asked for a second verification. When that verification comes to you, I suggest you follow the law and report the true facts. In addition to this debt being over the allowed time to report ( 7 years ) it has also passed the statute of limitations to collect. I have no intention of paying this old expired debt and I am informing you of this now. 
Should you attempt to report or collect this expired debt, I will contact my Attorney General and fill out a complaint to the Federal Trade Commission, and I will take steps to collect damages from you of up to {$1000.00}. I believe I have a case against you for violating sections of the FDCPA and FCRA should you continue.
Product: Credit card

I currently owe Capital One Quicksilver credit card about XXXX . I have had this credit card since XX/XX/XXXX. My XXXX is XXXX and the late fee is {$40.00}. My interest rate has increased almost 30 since the beginning of XXXX.
Product: Debt collection

I signed up for a credit card for XXXX XXXX on XX/XX/2018 and I was not informed by the cashier that the card was going to be charged for the transaction that day. I also paid cash for the items that I bought that day. I later find out that the card was used the same day that I signed up for the card, so went to back to the store and told them that I didnt use the card and I paid cash for what I was purchasing. They tried to look up the transaction but told me that the transaction was too old to have an record of it. I was then told to call customer service for details of that transaction and I did call and I was told that they were going to investigate the incident. A few months later and I call back and I am informed that my debt has increased and has affected my credit tremendously, my debt was on collection and there was no other solution but to pay for it. I was really upset that they didnt look into the incident and just but my debt into collection.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

This compliant relates to the recent Wells Fargo lawsuit affecting mortgage holders during the period XXXXXXXX XXXX  XXXX ( mortgage loan number XXXX ). I just became aware of this suit as of XXXX. 
I'm not sure if there is any compensatory element involved in my case but wanted to at least explore that possibility. 
I have not been contacted by Wells Fargo, or received any compensation, as of XXXX. 

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

XXXX XXXX in currently reporting a debt on my credit file that is incorrect. My insurance paid this debt and I am not sure why they are reporting this collection on my credit file. It is invalid.
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 XXXXXXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

Experian is showing an Inquiry around XX/XX/2018 for XXXX XXXX. I did not authorize this and I have attached the proof that I did not authorize an inquiry and they advised me there would be NO inquiry. It is affecting my financing and I need it removed asap! Thank you
Product: Debt collection

Disputed with company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 according to certified mail. It is now XX/XX/18 and I have not yet heard from company. The FCRA gives the company 30 days to respond, I have not gotten a response.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, and fraudulent activity has been detected on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and permanent deletion of the following fraudulent accounts and inquiries from my credit file : Fraudulent Accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXXXX/XX/year> I wrote a letter to Credit Collection Services regarding an account they are reporting on my credit report. I sent the request certified mail with a return receipt, the return receipt was sent back with their signature showing they received the letter. It has been more than 45 days and they have not responded to my request. 
This is not my debt and would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are stating that my XXXX XXXX XXXX XXXX  account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.
Product: Checking or savings account

I have a checking account at Chase & we were four signers from XX/XX/XXXX onwards. Without my knowledge Bank removed my daughters name as a signer. I came to know about this banking error in XX/XX/XXXX. During my daughters visit to XXXX, we went to the one of Chases branch & added her signature in XX/XX/XXXX.Later on Bank misplaced all the paperwork & I had to send them proof. 
I made complain to the executive office & wrote e mails to CEO of J P Morgan Chase on XX/XX/XXXX. 
From XX/XX/XXXX till XX/XX/XXXX nothing has been done. My XXXX adult children lives in different States &  we added their names as an added security. Chase should be fined.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX. The company obtain and used my information without my consent, ther is a hard inquiry and a credit limit of {$700.00} reporting on my TransUnion report from XXXXXXXX XXXX XXXX with account number ending XXXX. I never applied for a credit card from XXXX and I never used a card from XXXX. therefore I ask that the account and the hard inquiry remove.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I see inquries that I did not give permissible purpose to furnish or use my private and perosnal information for financial gain. This is identy theft violation 15 USC1681b ( 2 ). Below are the accounts. 

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 & EXPERIAN IS ALL REPORTING THESE INQURIES.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires listed on my consumer report. I have filed the proper reports to have these illegal items removed from my report and have yet to see any changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still report an old account that's reporting negatively on my credit report. I call XXXX XXXX XXXX XXXX and spoke with a rep by the name of XXXX on XX/XX/2020 at XXXX XXXX. XXXX confirmed that the account is outside the statue of limitation so they advised all three bureaus to delete the account. Both XXXX  and XXXX  have deleted the account but Experian will not. I spoke with XXXX from Experian dispute dept on XXXX 's team and advised her of the information that XXXX provided me but she refused to do anything to help resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Information on Credit Report. Experian Report Credit Agency is Reporting incorrect personal agency. Asked several times to to updated and corrected the information. The Agency is displays black outs on there website making it difficult for consumers to dispute information. They are violating consumer rights and personal information. Contact in the month of XX/XX/XXXX and XX/XX/XXXX. To updated information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Hung up on by lender. 

My wife and I are both listed on this auto loan - her credit report shows no late payments, mine is flagged with late payments. I 's the same loan. The loan is now paid off and I 'm still getting hit with late payment notices. 

My suspicions are some one is in the background playing around with this account because of who we are. We paid the loan off on XX/XX/XXXX, cleared on XX/XX/XXXX. As you can see I am still getting flagged with late payments. 
And as of XX/XX/XXXX we are still waiting for the title. 

The lender is XXXX XXXX XXXX. This institution has thrashed my credit.
Product: Debt collection

I was seen at XXXX Texas XXXX XXXX for a XXXX exam on XX/XX/XXXX. I was initially charged an amount of {$75.00} which I paid off in full, I then continued to check my account to make sure no new charges were added over the next year. All of a sudden on XX/XX/XXXX, more than 22 months after the date of service, a {$120.00} charge was added to my account for the XXXX exam almost XXXX years prior. In going through my previous statements, I found none of them contained this charge or any amount due and that the XX/XX/XXXX statement was the first time I was billed for this and notified. The Texas " Timely Billing '' law ( TX XXXX Practice and Remedies Code CH. XXXX ) requires health care service providers to bill a patient no later than the first day of the XXXX month after services were provided. If the bill is not sent within the timeframe in the law, the health care service provider can not try to collect payment for certain charges. On XX/XX/XXXX I called Ascension to inform them that this bill was sent in violation of the aforementioned Texas XXXX XXXX and likewise dispute, to which they replied that their negotiations with my insurance where why it was charged late and claimed that meant they could still charge for it. The Texas XXXX XXXX makes no such exceptions for insurance negotiations, and when I informed them that they still hadn't given any reasoning to why the bill was still valid despite being sent out 22 months after the date of service ( almost twice the allowed 11 month window ) they said that they would still charge it anyways. Eventually it was sent to XXXX XXXX where I was contacted by Frost-Arnett XXXX I submitted a dispute online on XX/XX/XXXX detailing the above information and asking them to verify that this bill was not sent out in violation of the Texas Timely Billing XXXX. I then received no confirmation messages or emails from them and had to call XXXX times over the next week to verify that it had been received. Once I got confirmation from them that it was being processed I had to wait until XX/XX/XXXX until I received the dispute response, with the letter being dated for XX/XX/XXXX but only postage stamped a week later on XX/XX/XXXX. I had asked that they send any statement showing from the 11 month window after the date of service, however they instead sent me a statement for 25 months after the date of service. This actually provided more evidence that this bill was sent in violation of the Texas Timely Billing Law however for they still listed it as verification and upheld the charge. I then called on XX/XX/XXXX to inquire further and discuss their verification, however nobody picked up and I had to leave a message. As of XX/XX/XXXX I still have not received any response nor has the company been adequately able to rectify the stated issues. As a result I have had no choice but to turn to the CFPB to file a complaint in the hopes of having the charge removed.
Product: Credit card or prepaid card

I took {$25.00} against my credit card ending in XXXX, in XX/XX/2022. Even though I pay more than that each month in regular payments, the continue to charge me 30.24 % APR interest monthly and claim I now owe over {$67.00} not {$25.00}. They claim that even though Oregon limits interest rates to 30 % that they have the right to exceed this. Also, the supervisor said that Oregon 's interest rate limit doesn't apply to them, and that even though I've more than paid {$25.00} back, they require the entire balance to be paid off in order to clear the {$67.00} which also is charged a separate interest rate in addition to my overall balance interest. So, I'm being double-billed.I took {$25.00} against my credit card ending in XXXX, in XX/XX/2022. Even though I pay more than that each month in regular payments, the continue to charge me 30.24 % APR interest monthly and claim I now owe over {$67.00} not {$25.00}. They claim that even though Oregon limits interest rates to 30 % that they have the right to exceed this. Also, the supervisor said that Oregon 's interest rate limit doesn't apply to them, and that even though I've more than paid {$25.00} back, they require the entire balance to be paid off in order to clear the {$67.00} which also is charged a separate interest rate in addition to my overall balance interest. So, I'm being double-billed.
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 USC 1681. 

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, ( UNKOWN ) : 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 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 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
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. XXXX of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collection, from my personal profile. A copy of my XXXX XXXX, XXXX, and my Social Security XXXX are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX. XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the Better Business Bureau XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. XXXX very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, Passport, and my Social Security Number as verification of my ONLY address. Please remove these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX