23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went into a   XXXX   XXXX   store located on  XXXX   XXXX  in  XXXX  ny. I asked the clerk for a     XXXX   XXXX   XXXX   for my cell phone but he did not have it. I turned around and walked out of the store. The clerk then chased me down into  the street  to ask me if I wanted to see if I was eligible for a free  XXXX . Being in need of a working telephone I walked back to the store with the clerk. After  XXXX  minutes of running my name in his system the clerk says hey you are eligible for an  XXXX . The only thing is that you have to pay  XXXX  dollars a month for it. I said honestly that 's a little expensive sir I do n't know if I can afford that. The gentleman continued persisting I get the  phone  & mentioning perks of having a  XXXX  with the   XXXX   XXXX   service. After a couple minutes of persuasion & reassuring me I finally agreed to get the phone. The gentleman then folded sum paperwork ackwardly & ask me to sign at the bottom for the    phone.   I had no clue that I was signing a contract agreement between me and a phone leasing for the  XXXX . The clerk lied about the agreement on the phone & did n't even mention that I was leasing a phone. He claimed I was paying  XXXX  dollars a month which was  XXXX  for the service and  XXXX  dollars off the price of the phone which is initially only  XXXX  dollars on the receipt. I payed up front  XXXX  dollars for the phone not to mention  XXXX  payments or more of  XXXX  dollars every  XXXX  weeks was removed from my account unauthorized. I went back to the clerk and pleaded with him to please take the phone back but the gentleman would not. He did n't want to service me anymore after I made the purchase which was not even a  XXXX  of the initial payment transaction. I spoke with the store owner about the ordeal and he apologized and agreed to take back the phone. We had schedule a day to meet at another store location of   XXXX   XXXX   on  XXXX   XXXX  but was unsuccessful due to lost of contact. I called the owner numerous times and left numerous messages to return my call but was unsuccessful.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number 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 an account without my written instructions.
Product: Debt collection

I have been a victim of identity theft since 2012 the person even tried to file taxes in my name irs has even investigated and has acknowledged I was a victim of identity theft
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below, and different information among the 3 major credit bureaus. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I have received several phone calls from a representative for XXXX XXXX XXXX or XXXX stating that I am going to be sued for an online payday loan that I received on XXXX/XXXX/2010 and stopped paying on in XXXX of 2010. I did not take out this loan nor did I receive the alleged funds. I am very concerned as the company had the last XXXX of my social as well as my bank account information. The company is threatening to send processors and take me to court. Please advise me of my next steps.
Product: Debt collection

Disputes have been filed with the credit bureaus and recorded phonecalls have been made. Additionally there was a conflicting statement sent. 

I called to ask for an itemized statement to explain the {$390.00} collection sent to Merchant Credit Guide by getting the bill from the source of the debt, XXXX XXXX. XXXX  was bought out by XXXX XXXX and here is where things get complicated. 

Instead of getting the itemized bill for the {$390.00} in collections I was sent a completely different bill totalling {$930.00}. When I asked which department could explain the line-items, why my bill was suddenly almost 3 times higher, and who had responsibility for disputing incorrect or fraudulently added line items I was transferred between departments on a near endless loop. 

When someone finally took the time to explain the new items the explanations didn't make any sense. {$630.00} for XXXX XXXX Type A Level 3 was explained as " to cover costs for nurses because the ER is expensive. '' That's not a proper explanation for an itemized bill. They never explained the exact service ( s ) or item ( s ) I would have recieved. 

They later tried back tracking and explained the new charges as " because your insurance was denied, '' which might have made sense if the bill sent to collections was for the newer, higher amount. The part they failed to explain to me was how and why the charges increased *after* I filed disputes and asked for a correct, itemized statement to explain the {$390.00} owed. 

When a form of resolution was proposed, it was that they would remove the old account in collections so they could validate the newer bill instead of resolving the disputed {$390.00} properly. Again, making it seem as though the new amount was a retaliation for trying to exercise my rights to know why and how I am being billed the way that I am. 

My issues arent with Merchant 's Credit Guide, but with XXXX XXXX for trying to alter a bill well after it was sent to collections. 

I have went ahead to call my insurance and try to reach a resolution on that end as a courtesy, however the dates in question are too far back for them to have any ability to extend coverage.
Product: Mortgage

I have already submitted multiple complaints about our problems with Citizen 's Bank but the bank 's answers are fraudulent and now in retaliation they increased the rate to 4.75 % without any notification at the time when the rates are falling and the Federal Reserve stopped to increase interest rates. Citizen 's bank made that increase in retaliation for our two latest complaints # # XXXX and XXXX. Their mathematical mistakes continues including computation of the total amount of payment made towards the reduction of the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX CARD, US DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have already made a complaint in reference to this issue with Transunion and received mail back with a response but do see Inquiries still being furnished on my report. I have a right to Privacy as a Federally Protected Consumer and You must RESPECT my rights to PRIVACY and You're clearly violating those FEDERALLY PROTECTED RIGHTS, and I can provide evidence/where in the laws/acts you're violating. Under 12 CFR 1016 PRIVACY OF CONSUMER FINANCIAL INFORMATION, I am opting out of any Inquires being furnished on my consumer report. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I did not give written consent to furnish any Inquires on my consumer report. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. Also 16 CFR 313 - Privacy of Consumer Financial Information and Privacy Act of 1974 are being violated. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion, XXXX, and XXXX are not maintaining reasonable procedures. Also according to 15 USC 6805 - Enforcement, it states how the Bureau of Consumer Financial Protection ( CFPB ) has to enforce the regulations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated.

1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. 


2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), Which outlines the permissible purposes for which Consumer reports Can not be without written instructions, and any violation of these provisions constitutes a breach of my rights. 


3. My rights have also been infringed Upon under 15 USC 1666b, Which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is in accurate and should be rectified accordingly. 

Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Prepaid card

I received an Amex gift card. I checked the balance and validated the card. I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX  # /account and shows a balance. I attempt to use this on XXXX. And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : 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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT XXXX and XXXX. 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 Opened XX/XX/XXXX Balance {$4400.00}, XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$6200.00}, XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1900.00}XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$450.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$270.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$350.00}, and XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$310.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at the Office of the President for XXXX XXXX XXXX XXXX, and she advised that XXXX is required to report to my account information to the credit reporting agencies. XXXX advised they have not notified any third party that the accounts are in dispute. XXXX advised that XXXX continues to report monthly to the third party credit reporting agencies. I reminded and advised XXXX that this account is in dispute. I advised XXXX that XXXX does NOT have my permission to report my personal information to any third party. I advised XXXX that XXXX continues to violate me by doing the following : XXXX XXXX XXXX XXXX has been notified in writing and has received and recognized that the accounts listed are in dispute. XXXX continues to report incorrect and false information to third party credit reporting agencies, against my request that they refrain from doing so. XXXX is reporting incorrect information, and also reporting my personal and private information to a third party without my consent. I have advised XXXX that I am enforcing my right to opt-out of their credit reporting to ANY third party. 
Pursuant to 15 US Code 1681a ( 2 ) ( a ) ( i ), experiences and transactions between the consumer and the creditor are excluded from the consumer report. 

XXXX XXXX XXXX XXXX is knowingly reporting incorrect information to credit reporting agencies and deliberately NOT reporting that the accounts are in dispute. 
Pursuant to 15 US Code 1692e ( 8 ), Communication or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a dispute debt is disputed. 

XXXX XXXX XXXX XXXX has sent me threatening letters, demanding payment on an account that is dispute. XXXX has not validated any debt to date. 
Pursuant to 15 US Code 1692e ( 4 ), A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 4 ) the representation or implication that non-payment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Pursuant to 15 US Code 1692e ( 5 ), A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) the threat to take any action that can not legally be taken or that is not intended to be taken. 

XXXX XXXX XXXX XXXX is continuing to violate my consumer rights.
Product: Debt collection

On the week if XX/XX/XXXX I was disputing a collections. With Portfolio Recovery A  when they removed the debt of {$460.00} dollars in conclusion to not having correct information.
Product: Mortgage

Since the XX/XX/year> i have not been able to get in touch with a supervisor and i and my husband has been calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE THE FOLLOWING NEGATIVE ITEMS WHICH HAVE BEEN DIMINISHING THE OVERALL HEALTH OF MY CREDIT. THERE HAS BEEN NO ACTION TAKEN IN RESPONSE TO ALL THE PREVIOUS DISPUTES I HAVE SUBMITTED, SINCE XX/XX/2020 .... IN ORDER TO REMOVE THE LATE PAYMENTS FROM XXXX XXXX. THERE'S AN ACCOUNT BEING REPORTED WITH XXXX, AND NOT EQUIFAX NOR XX/XX/XXXX. WHY IS THIS NOT BEING RESOLVED? TOO MANY ATTEMPTS WITH THE BUREAUS, AND ONCE AGAIN ... NOTHING HAS BEEN DONE AT ALL. FOR YEARS, I HAVE BEEN POINTING OUT THE INACCURACIES, THE INCONSISTENT, INCOMPLETE DATA REPORTED BY THE BUREAUS. PER THE FCRA, AS A CONSUMER I HAVE EVERY RIGHT TO CHALLENGE THE FALSE INFORMATION THAT IS REFLECTING. THERE IS NO DEBT, NO DELAY IN MY PAYMENTS, AND I HAVE BEEN VERY PERSISTENT IN GETTING THE NEGATIVE INFORMATION RULED OUT COMPLETELY. PLEASE DO NOT HESITATE TO ASSIST ME WITH THIS MATTER, I NEED TO RECTIFY THIS INFORMATION IMMEDIATELY AND BANISH THE NEGATIVE HISTORY ON THE ACCOUNT. I HAVE EXCEEDED THE VOLUME OF STRESS AND DISCOMFORT REGARDING THIS ISSUE. PLEASE REMOVE THE DEROGATORY INFORMATION AS SOON AS POSSIBLE. I GREATLY APPRECIATE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a couple of dispute letters to TransUnion stating that they have the wrong name on my file. I explained that they have me listed as XXXX XXXX XXXX XXXX and that I am not a XXXX or XXXX and that i have not ever used this suffix while applying for any credit or insurance, and that I do not have a son or daugter. I requested that they have the credit card issuer send me the contract where this name was used, so that I could ave it for my personal records and to file an identity teft and fraus claim. I shared with them my identification card, my credit cards, and my debit cards with my signature as well as my correct name as it should appear on any paperwork concerning me, and they responded by stating that the information was verified and it remains on my report as of today. This is not the only issue that I have had with them concerning my consumer report, but they have always responded that the information had been verified. I will file other complaints soon, because it is clear that they are not investigating and truly verifying the information that I have requested from them even though I explained that I would file a complaint with the CFPB if the issues were not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX and XXXX, are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX or XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  To : Equifax I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are FRAUDULENT accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 

Please remove the following fraudulent accounts and inquiries from my credit report : ACCOUNTS : XXXX. XXXX Account Number : XXXX Sincerely, XXXX XXXX XXXX