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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Subject : Dispute of Incorrect Personal Information on Credit Report Dear to whom may concern, I am writing to dispute certain information on my credit report, as I have recently reviewed the report and identified inaccuracies that require your attention. The details in question are as follows : XXXX. XXXX XXXX XXXX XXXX, Tn XXXX - Inaccuracy : Never Lived Here XXXX. XXXX Rep XXXX XXXX XXXX XXXX - Inaccuracy : Never lived here I request a thorough investigation into these discrepancies and kindly ask for the prompt correction of the inaccuracies. To support my dispute, I have enclosed relevant documentation, including [ provide a list of documents, such as proof of payment, account statements, etc. ]. 

I understand that, under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate my dispute within 30 days of receiving this letter. Upon completion of the investigation, I request that you provide me with a written summary of the results and a copy of my updated credit report. 

Thank you for your prompt attention to this matter. I trust that you will address and rectify the inaccuracies on my credit report at the earliest convenience. 

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

I have items passed on that should be taken out or removed. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX is claiming I owe them {$560.00} when I cancelled my policy with them.I was paying the policy monthly and was never late. I have never heard of an Insurance Company coming after someone just because they chose to end their policy. They have made more than their money 's worth from me since I have never had any accidents or claims filed. This is a predatory tactic to extort money. I demand that the account be closed and credit deleted. Also, I do not want the debt sold to another agency. My next steps will be to file grievances with the FTC, Attorney General 's Office, and possibly legal action if this harassment continues.
Product: Credit reporting or other personal consumer reports

Well I got a notification from XXXX that an account went current but they didn't change it then when I disputed it they didn't update it just kept it the same I've also submitted that my car account started in XXXX but they have it starting in XXXX I asked for that to be investigated for false information on my report and they didn't investigate just verified it and kept it the same and I sent them the car contracted that started in XXXX
Product: Debt collection

I have never accumulated debt in my life I pay off my monthly payments in full
Product: Money transfer, virtual currency, or money service

I purchased an XXXX puppy from XXXX for $ XXXX that includes the puppy and plane transport it was same day delivery to which did not happen. I got email from XXXX that I need to pay {$1500.00} for pet insurance which I did through XXXX since it was the only payment they accept after a few hours they asked to rent a special crate for my puppy for the flight to which I had to pay {$700.00} to which I gave. I kept calling and asking where the puppy was they kept delaying, called the next morning which was XXXX XXXX and they said they could not deliver the puppy because I did not pay the other half for the crate to which they agreed I did not have to pay. They wont deliver my dog or answer my calls and I asked them to cancel the delivery due to suspicions and they will not answer my calls, texts and emails and wont not give me my money back. I called my chase bank after finding out and see if they can do anything about it and they said theres nothing they can do.
Product: Debt collection

I received a call from IQ Data at work from XXXX. She was very rude and broke every collection practice. I called back to speak to supervisor and the agent transferred me back to XXXX. I will be seeking a lawsuit against the company for collection practice.
Product: Debt collection

Around XXXX XXXX, I received a telephone called from XXXX XXXX XXXX XXXX informing me that a credit card delinquent balance was turned over to United Recoveries Systems ( URS ) now operating as XXXX XXXX XXXX XXXX ( XXXX ) for collection by XXXX CARDS incurred by my son and collection efforts were unsuccessful. I agreed to assume the debt however, I am a retiree on fixed income and can only afford a monthly payment to settle the debt of XXXX XXXX XXXX XXXX XXXX Dollars & XXXX cents ( {$6700.00} ) which was memorialized by a letter dated XX/XX/XXXX. In the settlement negotiation reached in the letter of XX/XX/XXXX, I agreed for XXXX/URS to create and deposit XXXX check reproductions on the dates indicated in the amount of {$240.00} each starting XX/XX/XXXX and monthly thereafter until XX/XX/XXXX totaling {$5100.00}. In XXXX, XXXX and XX/XX/XXXX, I received billings from BOTH companies ( XXXX CARDS and ( XXXX/URS ) that I still owe this debt to BOTH of them.t I will fax you copies of my files justifying that this debt is PAID IN FULL and I don't owe anything anymore to either company.
Product: Money transfer, virtual currency, or money service

Around XXXX in XXXX, the company locked my account and prevented me from doing any trading activities, and inform me on the website that I should check my email and follow the guidance of the email to verify my account. But I checked several times each corner of my mailbox and confirmed that they did not send my any email about account verification. 

In the following months, I tried several times to reach out to customer service on their website to fix my problem, at that time they were able to inform us the approximate time that we have to wait in the queue to get to customer service. 

In the first time, the customer service robot told me to wait 30 minutes to get to customer service, I was busy at that time so I missed that chance and was AFK, failed to talk to customer service. 

The second time the bot told me to wait about 200 minutes in the queue, I waited but in the last few minutes the website displayed " some error '' and I have to retake the queue. 

In the following times, each time I have to wait about 100 minutes more than last time. And that is almost impossible for me to stay in the same place several hours just to get to talk to someone. 

In XX/XX/year>, I really want to unlock my account, so I tried again, this time more than 700 minutes I have to wait in the queue. After about a whole day, in the last 30 minutes in the queue, the website again raised the error of disconnection, and I have to retake my queue.

And that was the last time they provide the approximate time that we should wait in the queue, in next few times of my attempts, the bot only inform me to keep waiting every 30 minutes, I
can never unlock my account and never receive the email they told me to read.
Product: Credit reporting or other personal consumer reports

These is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are being reported incorrectly. 
XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I received a debt collection letter from afni, Inc. for money owed to XXXX XXXX XXXX. 
I do not have an XXXX XXXX XXXX  account. 
I am not behind on my bills now and never have been behind on any bills in the past. 
I am turning XXXX years old next week, and other than a small car payment, I am debt free. 
I do not have an XXXX XXXX XXXX account. 
There is no way that this is my debt. 
I believe that this is a scam.
Product: Credit card

My Best Buy visa card keeps auto billing me for a subscription to an internet antivirus service ( XXXX ) that I cancelled months ago. I received an email from Best Buy that my subscription was auto renewed. I disputed this on my bill and sent them proof ( email verification from XXXX ) that the subscription was cancelled and would not be autobilled again but they refused to remove this charge and have rebilled it a second time. Im so fed up having to dispute this over and over. Its time consuming and aggravating.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have multiple federal loans from attending school i was mislead by admissions and financial aide. I was told that i had enough XXXX XXXX to cover the cost and found out much later that is not the case. I was also mislead by job placement rates and the fact that the credits were transferable they are not in fact my XXXX isnt accepted anywhere I would actually have to take XXXX more course to be considered having an XXXX by anyone other than XXXX. I can not continue my education due to these loans. Ive tried forbearance but the intrest rates keep increasing, My payments are expected to be ove XXXX a month for just one of the loans.I am a single parent of XXXX Children. I can not afford this. Ive filled out and sent in multiple documents to have it changed to include the benefit letter for public assistance and food stamp issuance and living in section 8. I can not find The expected job using this degree. I have tried to postpone payments but in doing that comes late fees and more interest.
Product: Bank account or service

The bank gives out bad financial advice. Recommended that I put money into an IRA account. Because of this advice I pay more in taxes, .. a lot more! The bank is unable to give me details of my account. Can not tell me if I 'm making money or losing money on investments. Can not tell me how much money I put into a investment account. Can not tell me the rate of return or how much the gains are of the account. I can only assume the bank is stealing money from me.
Product: Debt collection

XXXX XXXX XXXX sold the debt to XXXX XXXX. Earlier this year, it was removed from my credit report until A few months ago, P & B CAPITAL GROUP LLC now has charge of the debit and placed it in the collection on my XXXX Report without any notification. The debt was bought by XXXX, not this new company had been discharged, and was now picked up by someone else without notice to me.
Product: Credit card

XXXX XXXX, is XXXX XXXX XXXX and XXXX about two years ago. Her XXXX affected many of her XXXX including her XXXX and required her to purchase XXXX. Since she is on XXXX and has no income, the XXXX doctor recommended she use the Synchrony Bank card with its interest free promotion to purchase {$3000.00} XXXX. XXXX signed up for the card without fully understanding what she signed up for and purchased the XXXX. With no income, she should not have been provided credit. XXXX believes the Doctor told her that she would have 3 years to repay. But, she is not sure and has no paperwork. 
Upon receipt of each monthly statement, XXXX diligently paid what she thought was the amount needed to pay off the balance during the promotional period. Since the bill each month only provided her with XXXX choices ... '' minimum payment only '' or " pay off in 3 years '', she assumed that by paying the " pay off in 3 years '' amount each month, she would pay off her balance interest free. Again, that is what she thought the doctor had told her. Unfortunately, the promotion was an 18 month promotion period, not 3 years, and the deferred interest was charged after 18 months of {$1100.00}. XXXX is XXXX XXXX XXXX and was confused by the monthly bill and did not understand the bill or " warning '' they sent to her in advance of the promotional period end date. 
XXXX deteriorated further in XXXX 2016 and was no longer able to handle her bills or estate. Her son and I was required to assume management of her affairs and pay her bills. XXXX is confused as she thought she was paying the bill correctly based upon the options on the statement and what the doctor told her. The bills are confusing as they do not provide a correct payment option to pay off the balance in advance of the 18 month promotional period expiration. Obviously, the XXXX options provided each month on the bill do not pay off the balance in time. Had the bill included a payment option that paid the charge off in 18 months, XXXX would have paid that amount each month. In addition, charging a XXXX XXXX XXXX XXXX victim who is in a XXXX home surviving on XXXX a 26.99 % interest rate to purchase XXXX XXXX that she could not afford is an just inappropriate use of credit. 
XXXX 's son has called Synchrony and explained the situation. They have been unsympathetic to date and unwilling to assist in this matter. Using this type of credit card with the elderly for health related issues and then charging them 27 % interest is predatory. XXXX has no income and should not have qualified for a credit card. 
XXXX is requesting that Synchrony waive the almost {$1200.00} of deferred promotional interest charges. The principal amount of {$3000.00} has been paid. The current remaining balance is interest only and Synchrony continues to charge 27 % of interest on top of interest. This is a predatory card which preys upon the elderly who do not understand what they have signed up for or agreed to and, in this case, do not have the income to even qualify for credit.
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, FL XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XXXX has been non-compliant with removing the unverified account USAA FEDERAL SAVINGS which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that USAA FEDERAL SAVINGS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get my annual credit report from XXXX. XXXX   and XXXX worked fine but Experian is being difficult. I get the cryptic message " A condition exists that prevents Experian from being able to accept your request at this time. ''. Tried to call them but their infuriating automated system makes it impossible to get a human. Tried to sign up for their 'CreditWorks Basic ' to get some insight and no luck there either. Please help.
Product: Credit card or prepaid card

I recently discovered that Wells Fargo has been charging me a XXXX dollar annual fee for a credit card for the past XXXX years. I went into a branch to ask about it and they told me in the branch that there should not be a fee. They told me I would have to call customer service and talk to them. I called and spent an hour and twenty five minutes on the phone with them. They told me yes, there is no fee but we can only reimburse you for last year. Not the other years that they stole from me. 

I asked " Wasn't Wells Fargo recently fined by the government for stealing money from their customers through credit card fees, etc. '' That got their attention and the person I was speaking with passed me over to someone else. That person spent 20 minutes trying to locate a original agreement between the bank and I regarding fees but could not find it. I then reminded them to just look on their website where you advertise this very card - it says there are no fees. She then gave me an 18 digit case number and said someone will call me someday. I have no faith that they will act accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX   XXXX/XXXX  XXXX, XXXX XXXX/XXXX, XXXX, MEDICAL Company Inquiries : XXXX/XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Today I checked my credit and discovered that this agency says I owe them money for an unpaid debt. This debt should have been paid thru my insurance company XXXX XXXX XXXX. I have XXXX/XXXX  of TN.
Product: Debt collection

On XX/XX/year>, I requested from MRS BPO LLC proof of the Debt by mail with a certified return receipt. I requested proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Product: Credit reporting or other personal consumer reports

I have contacted each credit agencies. standard responce, Can not verify my identity. then why are you putting my wrong information on my credit file. start from my address every agency has different and employer : XXXX XXXX, what is that? I work XXXX XXXX XXXX. 

I am attaching all documents : 1 ) FTC Identity theift report from XXXX and XXXX 2 ) Local Police report from XXXX XXXX ) All ID notarized. 
4 ) Credit report from three agencies. 
5 ) Utility bill Now, i dont want same letter back to me. I will send to FTC and Federal Lawsuite to full extent of law. 

Also I am also Exercise Your State Privacy Rights Certain states grant their residents options with respect to their personal information. If you are a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX, in some circumstances you may be able to request to opt-out of your personal information being sold to third parties. 
I am from XXXX  attached is my all forms of ID Notarized. 

1 ) I am Exercise my State Privacy Rights 2 ) Do Not Sell or Share My Personal Information
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX on XX/XX/21 sent a 609 letter to XXXX, Experian, and XXXX regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.
Product: Credit reporting or other personal consumer reports

the accounts listed have been properly discharged by the IRS Please make sure that THE ACCOUNTS ARE UPDATED TO PAID IN FULL CORRECTLY this was date XX/XX/2023 here is the evidence it was accepted by the IRS. this was the date XX/XX/2023 it was mailed. I AM ATTACHING ALL EVIDENCE OF THESE DISCHARGE. 

MY COPY B FORM ACCEPTANCE EMAIL. 
AND USPS OFFICIAL COPY B TAX DOCUMENTS MAILED ON CREDITORS BEHALF.
Product: Debt collection

On XX/XX/2019 an auto rental company claims administrator requested I pay {$120.00} for administrative fees related to an insurance claim which was paid out by XXXX XXXX. XXXX XXXX paid out all fees except a {$120.00} administrative fee. I failed to pay this administrative fee by mistake. The invoice for this unpaid {$120.00} administrative fee is attached. 

In XXXX of 2019 ( assumed ) the claims administrator forwarded my {$120.00} debt to the XXXX XXXX XXXX , XXXX, located at XXXX. XXXX XXXX, XXXX, FL XXXX, XXXX, for collection. The claims administrator of my original {$120.00} debt confirms this and refers me to XXXX XXXX XXXX at this point. 

On XX/XX/2019, XXXX XXXX XXXX sent me a letter ( attached ) indicating that I owe {$900.00}. 

It has been at most 1 month since XXXX received this debt for collection and XXXX XXXX XXXX added {$770.00} in fees and interest to this debt ( {$770.00} + {$120.00} = {$900.00} ). 

On XX/XX/XXXX, I notified XXXX  that I hereby dispute the validity of the debt in full.
Product: Consumer Loan

In XXXX XXXX, I leased new XXXX Chevrolet CRUZE. On XXXX XXXX, XXXX, I lost my employment and monthly income. I could no longer drive the car and could not make the monthly lease payments or automobile the car and could no longer pay the insurance payments. I contacted Ally and explained my situation and wanted to voluntarily turn in the car. 
There reply was that I would need to pay the balance of the lease in the amount of {$2700.00} and then turn in the car. They wanted me to drive the car to Maryland. I once again stated that I could no longer drive. I stated this was not possible. On XXXX XXXX I once again contacted Ally and restated the circumstances and requested they pick up the car at my residence before XXXX XXXX when the insurance would expire. I next contacted Ally on XXXX, XXXX, and was told they were working on picking up the car and would contact me and let me know when the car would be picked up. As of today, XXXX XXXX, XXXX, I have not been contacted,