23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the following medical account that is incorrectly reported on my credit report : Creditor Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1400.00} Account Status : Collection/Charge-off I have reason to believe that this medical account is either being reported incorrectly or without proper authorization. I dispute the validity of this debt, and I request that you verify the details provided by XXXX. This debt does not belon to me and I am requesting it to be removed from my credit report immediately.

Additionally, I wish to emphasize that, under the Health Insurance Portability and Accountability Act ( HIPAA ), my medical information should be protected and not shared with third-party entities unless explicitly authorized. I ask that you verify whether XXXX has obtained my consent, written or verbal, to report this debt to the credit bureaus. And they have failed to provide proof of such consent or any permissible purpose for reporting, I request that this account be removed from my credit report.

Moreover, I also dispute the accuracy of this account as the information currently available appears incomplete, with no payment history or other relevant details provided.

As per 15 U.S. Code 1681i, if the information can not be verified, it must be deleted. I respectfully request that you investigate this account, and upon finding that it can not be validated, promptly remove it from my credit file. I also request that you send me a written response confirming the outcome of your investigation.

Please provide me with an updated copy of my credit report once this matter has been resolved.

Thank you for your attention to this issue.

Sincerely,
Product: Vehicle loan or lease

CREDITACPT is on my credit report under AUTOLOANS With a balance of XXXX and no further information. This does NOT show on my XXXX XXXX which also hinders me from keeping accurate track of my score. This has been affecting my score and I have had no knowledge of this. I have contacted this company and they have not answered multiple times. No CSRs have taken my call. I do not recognize this company nor balance. This is incorrect and needs to be removed. It is hindering me from purchasing a vehicle thru any dealership for they see this as a repossession in my name and that is not correct. I have never had a vehicle repossessed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected. I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX I do not believe this inquiry was authorized on this date. Please remove it from my credit report - The following inquiry was not authorized and should not be reporting Listed below are the Accounts that are being challenged : XXXX - XXXX Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

XXXX XXXX - XXXX Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

XXXX XXXX XXXX Please verify that this is accurately reporting on my report. - This account is reporting incorrectly. 

Listed below are the Collections that are being challenged : XXXX - XXXX This is not accurate. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, 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 reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I have tried numerous times to make offers to pay off my credit card debt with XXXX and TSI. They disregarded my past offers and made an offer at a time I could not accept due to not having the funds available of {$5000.00}. 

They told me today I owe $ XXXX which simply isn't true. 
When I left service the card was left at {$7000.00}. 
I have made payments for almost 5 years totaling over {$4000.00}. 

Today I called them and offered to pay the deal of {$5000.00} and they told me no because time was up and I'd have to wait until next year. I'm trying to purchase a home and no lender will work with me until this ordeal is handled. If I need to contact legal representation, perhaps the CEO of XXXX and my local news channel I'm prepared to because this isn't right how I'm being treated. I am being shaken down for every possible XXXX they can obtain from me. I literally have thousands of dollars to pay them to rid this debt and move on with my life and this company refuses to budge! Where are their business ethics in all of this? TSI is trying to make this as difficult as humanly possible and I'm trying my hardest here to be polite but I am losing my patience.
Product: Credit reporting or other personal consumer reports

The issue I am experiencing involves incorrect balance, missed payments, wrong status, and wrong reporting dates .This inaccurate information is being reported to the credit bureaus and is negatively affecting my credit. 

Despite my repeated attempts to resolve this issue directly with XXXX. XXXX, and XXXX XXXX, including calling customer service, sending written communication, or submitting disputes, I have not received a satisfactory response. 

I believe the reporting is not in compliance with the Fair Credit Reporting Act and may also violate other regulations related to student loan servicing and reporting. I am requesting that the CFPB investigate this matter and help facilitate the correction of my student loan account
Product: Checking or savings account

At first I was working for XXXX 's, I signed up with XXXX, I was terminated because they said my background, I picked up another job, they have the same card program, set up with ADP and XXXX, but now they asked me for my ID, and social security card, to keep the account, I can simply just ask my store manager, just to give me another one, but why do all that when it's the same account, with XXXX  in ADP, so they asked me for my ID and they holding my fund they sent me an email saying that I was still receive it, but the account will close in XXXX days, when they provide service for both companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have evaluated my consumer credit report that you have assumed a vital role in assembling for me as the consumer. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality and respect for the consumers right to privacy. According to congress you are required to adopt reasonable procedures for meeting the needs of commerce in a manner which is fair and equitable to me with regard to the confidentiality, accuracy, relevancy and proper utilization of said information. It is made clear by congress that I have a right to PRIVACY as a federally protected consumer! My right to privacy has continually been violated, disregarded and disrespected which is a direct violation of the FRCA and the Gramm Leach Bailey Act. I did not consent and or authorized for you or the people mentioned below to use and or share my nonpublic personal information. No consent or authorization id IDENTITY THEFT! I XXXX XXXX demand to cease and desist. Pursuant to 15 use 1681a ( 2 ) congress makes is very clear that a consumer does not contain any transactions and or experiences. I am demanding for the following transactions and or experiences to be updated as a result of this in accordance with my written instructions. 

1. XXXX XXXX XXXXXX/XX/XXXX DELETE 2. XXXX XX/XX/XXXX DELETE 3. XXXX XXXX XXXXXX/XX/XXXX DELETE 4. XXXX XXXXXX/XX/XXXX DELETE 5. XXXX XXXX XX/XX/XXXX XXXX 6. XXXX XXXXXX/XX/XXXX DELETE 7. XXXX XX/XX/XXXX DELETE 8. XXXX XXXXXXXX XX/XX/XXXX DELETE 9. XXXX XXXX XXXXXX/XX/XXXX DELETE 10. XXXX XXXXXX/XX/XXXX DELETE 11. XXXX XX/XX/XXXX XXXX 12. XXXX XXXX XX/XX/XXXX XXXX 13. XXXX XX/XX/XXXX XXXX 14. XXXX XX/XX/XXXX DELETE 15. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 16. XXXX XX/XX/XXXX DELETE 17. XXXX XX/XX/XXXX XXXX 18. XXXX XXXX XXXXXX/XX/XXXX DELETE 19. XXXX XXXX XXXXXX/XX/XXXX DELETE 20. XXXX XXXX XXXXXX/XX/XXXX DELETE Pursuant to 15 USC 1681c-2 ( a ) you have 4 days from the date of this notice to comply with my demands as set forth in the context above. This is and will be my first and final attempt to resolve this as I am prepared to litigate.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

I've with wells fargo bank since 2011 been charged numerous times for overdraft fees throughout my time with them. I haven't been contacted by them about the recent lawsuit settlement.
Product: Credit reporting or other personal consumer reports

I have an account on my credit report that belongs to my son. XXXX is only on my TransUnion credit report, and I have 2 open Credit One accounts in good standing. TransUnion has already admitted to me that my son and I had mixed credit files, and I know that this account belongs to him. Please send me validation on this account belonging to XXXX XXXX XXXX, and not XXXX XXXX XXXX. This account also has inaccurate last active dates. How can a closed account have an active date of XX/XX/year>? 
Please remove this account for the reasons listed above.
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following : XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) account # XXXX -inquiry from XXXX -address of XXXX XXXX XXXX XXXX, NJ XXXX -address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) account # XXXX -inquiry XXXX XXXX XXXX Equifax -address of XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -Address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Mortgage

I 'm trying to correct inaccurate reporting on my credit report. While Wells Fargo has agreed to update reporting to the credit bureaus more accurately, I 'm still concerned that my credit is being reported negatively unjustly. Specifically, its letter to me stated that as of XXXX XXXX, 2013, I owed {$280000.00}. But for fees added, the sales contract amount of {$290000.00} exceeded the amount owed. The purchase contract was signed in XXXX 2013. The closing was pushed back by Wells Fargo, not by the buyer or the seller. So, is it reasonable, or even legal, that this should be classified as a short sale?
Product: Debt collection

After reviewing my latest credit report, I discovered several accounts that seem to have been added without my authorization and are incorrect. I request the immediate removal and blocking of these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX violated my rights. Account opened XX/XX/2018 for {$270.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPANY. I HAVE SENT DISPUTES FOR ACCOUNTS ON MY CONSUMER REPORT. 
AFTER THE DISPUTES WERE FINISHED, THEY CAME BACK UPDATED AND VERIFIED. 
THE ACCOUNTS THAT I HAVE DISPUTED STILL ARE REPORTING INACCURACIES IN THE DATE OF LAST ACTIVITY/STATUS DATE AND THE PAYMNET HISTORY. 
I OBJECT TO OPENING ANOTHER DISPUTE ( DO NOT OPEN ANOTHER DISPUTE ) I OBJECT TO OPENING ANOTHER REINVESTIGATION ( DO NOT OPEN ANOTHER DISPUTE ) I am now requesting which is my right under the FCRA THE METHOD OF VERIFICATION USED FOR EACH INDIVIDUAL ACCOUNT LISTED FROM MY PREVIOUS REQUEST. 
I OBJECT TO OPENING ANOTHER DISPUTE OR OPENING ANOTHER REINVESTIGATION. ONLY GIVE ME THE METHOD OF VERIFICATION FOR EACH INDIVIDUAL ACCOUNT AND NOTHOING ELSE WITHIN 15 DAYS. 
IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED UNDER THE FCRA, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. ( XXXX HAS JUST GOT SUED BY THE CFPB FOR NOT DOING THIER JOB ) DELETE : ( XXXX XXXX ) ( XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I received information about my credit score dropped XXXX points, thru TransUnion. I attempt to login to my TransUnion account to find out if another fraud debt was posted to my account would be the reason for my score to drop. 
I couldnt login to my TransUnionaccount to confirm my suspicion. I called TransUnion 6-10 times to reset my password, it was denied each time. At one point a representative gave me this number to call to report fraud XXXX XXXX XXXX, fake number. The representatives offered no explanation or solution. Now Im concerned TransUnion is allowing fraud debt claims to post on my credit report and I cant dispute it.
Product: Credit card or prepaid card

capital one bank, XXXX XXXX XXXX, ut. took over my XXXX  credit card some time ago. i recently requested a line increase on XX/XX/XXXX. i applied online and also over the phone, but it was a robot and not a real person. subsequently they turned down my request and the reg b form say it was because " credit line increases are not available at this time upon request for this type of account. '' they invite me to go thru creditwise to help me with my problems. XXXX   shows me with a credit score of XXXX, and on-time payments of 100 %.

of course when i get to a real customer service representative they give me the runaround that i should check my credit score and delinquency and also end up saying that the computer makes the decision and they have no control over it.

i believe the reason to turn me down is in violation of reg b, and if the reason is true it means they havent raised the cr. limit on any credit cards which is hard to believe
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches. I have noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Checking or savings account

On or about XX/XX/2021, I called to activate a debit card recently sent to me by my bank. Since banks and investigators are seemingly letting this problem run rampant, this process of cancelling one debit card or account to receive another has become a punishment myself and other bank clients have to quite frequently go through. And each time I have to complete this action of cancelling my business debit card because my account was compromised, I never have my EIN available, so I have to verify that I am the authorized user in some other way besides this, and normally this is not a problem. However this time when I called, I was treated in such a way where I could conduct no business, and I do not think I or anyone deserves such treatment, especially in such an unprecedented era such as this, and especially on XXXX, a day of " goodwill toward men. '' If the criminals in these investigations are never going to be brought to justice, I see no reason why banking customer service representatives need to be rude, condescending and almost disrespectful to clients who are simply in need of the help that they are not only supposed to be given, but are in fact paying for through the myriad of fees we as clients have to endure, even in the hardest of times. When I called XXXX and spoke to " XXXX '' and his supervisor " XXXX '' ( or " XXXX '' ), they were so discourteous and rude, that a normally routine conversation was untenable and nauseating to the point where I felt soiled after speaking to them. If " customer service representative '' is going to be their official job description, then in order to correct this situation and see to it that no other clients feel as disrespected as I did, I propose that these representatives simply learn the definition of their employment title, if they are in fact happy about HAVING employment. " Customer service '' means you are there to respectfully and courteously take care of my needs, the client. " Representative '' means that while on the phone with me, your client, you are the voice of your company. If going back to reflect on the call that I made to " XXXX '' and " XXXX, '' I do not believe that the unpleasantness that they displayed on a recorded line " for quality and training purposes and customer assurance '' puts a good face on the company that I and thousands are clients of, and perhaps if they know the definition of their employment title, there will be no excuse the next time they fall short in customer service excellence. But hopefully there will not be a next time.
Product: Student loan

I attended one semester of College in XXXX beginning in the fall of XXXX. Because my family could not afford to send me to school, we had to borrow money for the first two semesters of school which came out to two loans from XXXX XXXX for a little over {$8000.00} each with an interest rate of under 8 %. After attending the first semester of school my family fell on hard times and I had to drop out to help out around the house and support my family while the interest kept growing the size of the loans that I was unable to repay. After months of harassing calls, letters and e-mails including multiple calls to my grandmother each day who co-signed on the loan I was presented with the opportunity for forbearance where I could pay only {$100.00} and they would stop calling me and my family. Also this would not impact my credit as my account would show as up to date. I agreed to this and have agreed to this many times since over the years. Now, I am fiscally stable and working and am attempting to make payments on the loans to who is now Navient however the total balances of the loans are over {$45000.00} dollars and the interest rate has grown to 13.125 %. 

I feel that this is a criminal amount of money to have to repay for such a small loan. The balance is now so large that I can hardly afford the payments while maintaining living expenses which has taken an extreme and negative impact on my credit score. I am still young and would like to get this resolved so that I can start my life but I am feeling overwhelmed and am not sure where else to turn. Please let me know if you or someone is able to help me out of this mess. Thank you!
Product: Vehicle loan or lease

bought a vehicle thru carmax returned it wouldny take it back stuck me with bad debt because i returned other lemon vechilces to company before
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account showed up on XXXX, XXXX, and experian at the XXXX XXXX XXXX. Their report showed it was opened on XX/XX/2022 with an address of XXXX XXXX XXXX, XXXX. I told them I do not live there and I don't live there and I didn't open up an acct with XXXX XXXX XXXX. They, the credit report agencies said I had to take it up with the bank to correct. I called the XXXX XXXX XXXX and they haven't done anything. So some one out there has a cc in my name at a fraudulent address and no one wants to do anything.