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

On XX/XX/2019 I previously filed a complaint with the XXXX ( see attached ). On XX/XX/14.2019, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/2019 I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ). Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX   FLORIDA as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
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. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX (Retail) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The Debt is being reported by the original creditor and the debt buyer at the same time. It is also being reported inaccurate as per information sent due to the dispute with XXXX by XXXX.
Product: Credit reporting or other personal consumer reports

Multiple credit inquiries to my information on same day to multiple lenders. None were initiated by myself. The inquires were made by : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

For some reason, when I purchased my XXXX  XXXX XXXX, I did not realize that I would be paying almost {$50000.00} for it with all the interest charges and such. This is ridiculous! I have already paid almost {$34000.00} for this vehicle and still owe a remaining balance of {$15000.00}. Loan Companies such as Exeter is why individuals with low income stay poverty stricken. A family member actually noticed the amounts in which I already have paid and felt that I had fell victim to a predatory lender and advised me to reach out to someone before filing for bankruptcy. I currently have XXXX children in my home and am retired military and work a part time job 2 days a week, so paying $ 700+ a month is really a struggle for me. I really need someone to take a look at my situation. Thank so much in advance ...
Product: Bank account or service

We have received multiple unlawful overdraft fees from M & T. We have set up automatic payments for our bills. However the amount does not come out of the account when it is suppose to. The amount is held and taken out of the account weeks after. The bank machine displays the incorrect balance. Causing the account to be overdrawn. As a result of the account being overdrawn the other bills which are suppose to get paid are rejected. The company without authorization tries to take the money from the account multiple times after rejection. As a result the bank charges XXXX for each time the company tries to get the funds after rejection. We were not notified about these fees. The account has been overdrawn multiple times due to the fact that the correct balances were not displayed at the ATM and online. We were told by M & T not to trust the ATM machine or Online balances when we complained. We are also being charged a service charge to our savings account if it is not over XXXX dollars. There was no notification of this matter. We were told that all checkings and savings accounts were free. As a result we have paid M & T bank thousands of dollars in unlawful overdraft and service fees.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on this account that I was in fact paid on time.

The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint for the following account and dates. 

XXXX XXXX XXXX Account # XXXX Late Payment XXXX XX/XX/year> Late Payment XXXX XX/XX/year> I'm now requesting you investigate this account and update these late payments to paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and noticed that there is an account that I did not open or authorize anyone to open up on my behalf. There are also Hard inquires that I did not do or authorize anyone to do on my behalf. These accounts and inquires are hurting my ability to obtain credit.

Credit Card Opened by the Thief Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$350000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted a letter to XXXX XXXX explaining that in cashing the check # XXXX in the amount {$50.00} they would be agreeing to remove the account from all three credit bureaus records XXXX, XXXX, and XXXX. The check was cashed on XX/XX/2018 and this account is still being reported.
Product: Prepaid card

XXXX Amex gift card not working. Called to have them replaced but for ore than a year got the run around and every time I called ( XXXX ) XXXX they would say to call back in 48hrs. Called more than 20 times. Never getting anywhere. Below are both defective cards. XXXX XXXX. XXXX. 
{XXXX  Amex gift card. XXXX exp. XX/XX/year> code. XXXX XXXX  Amex gift card. XXXX exp. XX/XX/year> code. XXXX
Product: Credit card

On XXXX/XXXX/15 I signed a contract with XXXX to rent a car through XXXX/XXXX/15. Due to XXXX bad service and after my complaint, their manager XXXX XXXX agreed to charge me for a total amount of {$120.00} as a good will gesture ( see contract and XXXX business card attached ). I paid for the transaction using my Bank of America VISA card. On XXXX/XXXX/15 I returned the car to XXXX in accordance of the contract. On XXXX/XXXX/15 I was surprised to find out Bank of America VISA showed a charge of {$150.00} from XXXX and so I disputed it. In response to my dispute Bank of America issued me a temporary credit of {$31.00} representing the difference between {$150.00} and {$120.00} on XXXX/XXXX/15. Subsequently on XXXX/XXXX/15 Bank of America informed me that XXXX initiated a claim for {$31.00} and asked me to provide evidence to support my dispute. Next day on XXXX/XXXX/15 I provided Bank of America Credit Card Claims department attachment copies of my contract with XXXX as well as my email to XXXX manager XXXX ( see attachment ). In response to the attachments I sent, I received an email on XXXX/XXXX/15 from XXXX XXXX, Resolution Specialist, Bank of America , XXXX Customer Care Resolution stating quote " I am your dedicated point of contact until this matter is resolved. '' unquote. However on XXXX/XXXX/15 Bank of America rebilled my account for {$31.00} citing quote " You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount '' unquote. From XXXX/XXXX/15 up to yesterday I sent a number of emails to Bank of America asking them to explain to me what happened to the attachments I sent them to support my dispute and they kept on saying I can call their XXXX ( toll free ) or XXXX ( collect call ) numbers for help. I told them I am not in the US now and I do n't have a land line to make collect calls either. I suggested they call me instead but they refused. The copy of my XXXX receipt, which was signed by me and their manager XXXX, clearly shows that the total amount agreed upon is {$120.00}. I am getting no where with Bank of America and so I decided to file this complaint with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEARS/CBNA has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for Account # XXXX and Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, XXXX, XXXX and SEARS/CBNA " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX and Account # XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX XXXX | XX/XX/year>, XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, and XXXX XXXX XXXX : Account number : XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized acquisition of my bankruptcy records, which I believe were obtained illegally by LexisNexis. According to 15 USC 1681a ( 4 ), I have the right to privacy regarding my personal and financial information, including bankruptcy records. I assert that the disclosure of these records to LexisNexis was not authorized by me, nor do I recall providing consent for this access. 

Please provide me with the following information to clarify this matter : Details of the Access : Information on how and when LexisNexis obtained my bankruptcy records. 

Source of Information : The name of the entity or individual who provided these records to LexisNexis.

Verification of Authorization : Documentation proving that I authorized the release of my bankruptcy records to LexisNexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the fraudulent information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential record and certainly not the alleged XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possibleXXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, XXXX  months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account reported on my credit file that I believe to be fraudulent due to identity theft. The details of the account in question are as follows : Account : [ XXXX XXXXXXXX XXXX XXXX XXXX ] Original Creditor : Esurance an XXXX XXXX Date Reported : XX/XX/year> Agency : XXXX XXXX Original Amount Owed : {$140.00} Balance Owed : {$140.00} I am a victim of identity theft resulting from the Equifax data breach. This account does not belong to me, and its presence on my credit report has severely impacted my ability to obtain credit. I request that you investigate this matter and remove this fraudulent account from my credit report as required under federal law. 

I believe this account violates several federal consumer laws, including but not limited to : 15 USC 1692j - Prohibition of certain deceptive practices 15 USC 1692c - Communication in connection with debt collection 15 USC 1692d - Harassment or abuse in connection with debt collection I have attached any relevant documentation to support my claim, including a police report and identity theft affidavit if applicable. Please conduct a thorough investigation and provide me with written confirmation of your findings and actions taken.
Product: Student loan

I found many inconsistencies in the alleged amount owed & the interest accrued with respect to this account. I was forced to send a XXXX request to XXXX XXXX which was received by its agents or representatives XXXX in XXXX, NH at XXXX. XXXX XXXX failed to reply and through acquiescence agreed to all terms and conditions in the attached Affidavit of Fact, Verification/Proof of Claim Document. XXXX XXXX transferred the alleged debt to Delta Management Associates who are now claiming an alleged debt subject to the provisions of the FDCPA in regards to the attempted collection of an alleged debt owed. XXXX See : XXXX v. XXXX, XXXX XXXX. XXXX, XXXX XXXX. New York, XX/XX/XXXX, and XXXX v. XXXX, XXXX. XXXX. XXXX, XXXX XXXX. Illinois, XXXX. XXXX, XX/XX/XXXX I have not applied for, neither received any services or credit with either party. I also have no account and/or contract with XXXX XXXX or Delta Management Associates, nor do I wish to contract. Neither party has a bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent XXXX s ) and or Representative XXXX s ) are frivolous. Neither party has provided ( 1 ) authenticating proof from the Secured Party Creditor that they are authorized to collect the alleged debt on their behalf ; ( 2 ) nor is either party in possession of the security granting them the rights to interest in the collateral per Article XXXX of the XXXX. XXXX XXXX a ) ( XXXX ) [ XXXX ] ; ( XXXX ) in addition XXXX parties are making multiple enforcement claims on the same note.
Product: Credit card or prepaid card

I opened a credit card with TD bank in XX/XX/XXXX and in XX/XX/XXXX my card was locked so I could not use it. I was on vacation at the time and to say this was inconvenient would be a gross an understatement. I had been using the wrong routing number which resulted in the payments not being received. In XX/XX/XXXX I realized what the problem was ( no thanks to TD customer service ) and paid off the card expecting to be able to use it. My card was however still frozen and was unable to be unlocked for reasons that were unclear to me. TD bank employees ( I called on the phone ) told me I should be able to use it. I visited TD bank and a sales person told me to cancel the card so I could receive a new one. I closed the card over the phone immediately. My ending bill I received documented me as paying off the card and my balance was {$0.00}. After this was paid I closed the account but the next bill I received had a purchase of XXXX, XXXX in total with interest. I did not make a purchase and was never informed as to what this amount was from. The fees have snowballed each month and now total XXXX, all because of a purchase I did not make or authorize. Because i had closed the card I will not be paying any more money for fees or otherwise and I would like everything expunged. I had tried to sort the issue out with TD ( over the phone ) but their customer service is horrendous and literally left me on hold for a total of at least an hour each time.
Product: Vehicle loan or lease

This is what happened with first company XXXX sold to new company and never received notification via mail they are adding g insult to injury doubling the price again read below also refuse to provide agreement with company : Loan was taken out 3 years ago in a used car for acct number ending in XXXX! At start of loan told it was 7 percent interest rate and have only recently when loan is almost paid off been told that all my extra payment went to interest rate which was not what I agreed to! I have requested over and over and been denied copy of signed Car document showing interest rate or my signature acknowledgment! This means that as I got years thought that this loan was being paid off early due now! They are saying that in three years I have only paid {$2000.00} towards principal robbing me of funds, denying me access to file and now selling my loan to a new company who are charging me more with no proper notification and threats on a loan Im paying on! Im confused as to who truly owns this loan notification is not a message in machine to date no letter has been sent showing me 0! They refuse to show me the agreement of purchase and are now angered that Im asking for this and why my balances are incorrect? Charged me for a XXXX XXXX worthXXXX at time of purchase doubled the price on a used vehicle!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXXXXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$210.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to TRANSUNION with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance