23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I received a Care Credit loan from my Dentist in XX/XX/2013. The loan and applicable terms were conveyed to me by the dental office XXXX and were not adequately explained to me. 

I did not understand that XXXX months later my principal balance was going to balloon by more than double due to accrued interest. 

I believe I have been a victim of the exact same deceptive credit tactics that resulted in the CFPB ordering a refund of up to {$34.00} XXXX to consumers who were affected by this. 

I attempted to call Care Credit and explain to them that I was a victim of these deceptive tactics and they were completely non-receptive. I am hoping to simply resolve this and pay off the balance so I can terminate the account. 

In addition to the deceptive tactics with the accrued interest, the company makes it virtually impossible to monitor my account and see what is going on in statements from month to month. I can not access my account online due to " errors '' on their website, and each time I attempt to call I have to wait approximately XXXX - XXXX minutes to speak with someone. In the instances I have been able to wait to reach someone, they are combative and not helpful and will not even tell me basic information like my account number so I can log in and pay more of the balance off of the loan to reduce interest payments. 

Everything about this company and their attitude towards customers is predatory and fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report associated with XXXX XXXX XXXX ( Account Number : XXXX ). 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), credit reporting agencies are legally required to provide a description of the investigation procedures used within 15 days of receiving a consumer dispute. Despite my previous requests, I have not received sufficient documentation explaining how this account was verified or what measures were undertaken to ensure its accuracy.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, all credit information must be accurate, complete, and transparent to protect consumer rights. The lack of clarity in the investigation process not only raises concerns about the accuracy of the reported information but also violates the fundamental principle of consumer protection. 

Details of the Disputed Account : Name of Account and Account Number : XXXX XXXX XXXX XXXX I kindly request the following : A complete description of the procedures used to investigate and verify this account. 
Any documentation, evidence, or information relied upon during the verification process. 
If you can not delete this account immediately due to verification issues, I request that you provide the required information in full compliance with the FCRA and TILA.

I appreciate your prompt attention to this matter and expect a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Debt collection

Property manager had approved the move out with DO NOT XXXX XXXX. Settled all the amount before moving out. Rent has been accelerated after the move out. Dispute is not being addressed by the propery management or the collections. requested few times asking for the lease terms that demand this collection and have never received any details neither from the property management nor the collections.
Product: Credit card or prepaid card

Received offer # XXXX on XX/XX/2021 from Capital One to add an authorized user and spend {$1000.00} by XXXX to receive a {$100.00} statement credit. User was added and spent more than {$1000.00} before XXXX. Many agents confirmed this on phone. After speaking to 10+ people over a few hours in a couple of months, I still have not received the offer. I was told originally it would be done by the end of XXXX. It is now XXXX and I have spoken to 6+ people on my call today. I just want the {$100.00} credit I'm due.
Product: Debt collection

I dispute debt on all 3 credit bureaus this is not my account
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

The items in dispute are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2017, I contacted XXXX XXXX XXXX XXXX headquarters in XXXX, GA. I was told that we can not pay our bill because it has been sent to a collections company. 

Complaints : 1. XXXX XXXX XXXX  XXXX did not provide me with electronic invoices. 
2. XXXX  XXXX XXXX  XXXX refused to tell me how much I owed 3. XXXX XXXX XXXX XXXX refused to accept payment my May phone call. 
4. Collection Bureau of America is offering to sell me a used water cooler at an inflated value. 
5. Collection Bureau of America refuses to arrange a pickup of the water cooler owned by XXXX XXXX XXXX XXXX, their client.
Product: Credit card

Inflated bill. There is an extra XXXX dollars on best buy credit card. added to my balance that is not accounted for. Once the balance is paid cyber thieves are able to collect the amount that has been inflated to the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo said that I did not pay XXXX or XXXX on time. 
THey offered a corona virus relief plan where you dont have to pay for 2 months consecutively. 

THey ended up reporting these 2 months as lates. I called to make a payment to " get current '' to bring the account in good status as I did not know they had deemed me late. 
I had to re-request them to put me on this corona virus plan. THey claimed they did but I did not receive a letter once again. 

I want to keep the account in good standing. They also have the balance over charged due to identity theft where I did not make or use all those charges. 

THe true balance should be {$3800.00} approximately. I have been incurring interest on charges I did not make.
Product: Credit reporting

I would like to dispute a XXXX located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/XXXX. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX, XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?
Product: Credit reporting or other personal consumer reports

i contacted transuinon, XXXX, and XXXX over 6 months ago and never received any update to my about my credit file. these companies continued to report fraudulent activities to my account without the proper authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, WA XXXXXXXX XXXX XXXX XXXX BALANCE : {$4300.00} XXXX XXXX XXXX BALANCE : {$4300.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX BALANCE : {$760.00} XXXXXXXX XXXX XXXX XXXX BALANCE : {$690.00} XXXX XXXX XXXX XXXX  BALANCE : {$1300.00} XXXX XXXX XXXX XXXX BALANCE : {$670.00} XXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025, I closed my account with XXXX XXXX XXXX  and made a final payment to settle my balance in full. After completing this process, I expected to receive confirmation of the account closure and payment status. Unfortunately, despite my numerous requests for this information, I have not received any statements or documentation confirming that my account was closed in good standing. 

To my dismay, I recently discovered that XXXX XXXX XXXX  has reported my account to XXXX and Experian as delinquent. This inaccurate reporting has had a negative impact on, this impacted my credit score dropping by XXXX points. I believe it is essential to rectify this situation promptly, as it appears to be a result of an oversight or miscommunication.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal. Has not being reporting my credit cards to the credit bureaus. I have been on my husbands account on one of them since XX/XX/XXXX. They inadvertently deleted me from the account in XX/XX/XXXX. Then we had to add me back on, they stated he deleted me from the account in which he told them he as not. The credit card was deleted from credit. Since then we have been trying to get it reported. They said they have been. I have contacted all three credit bureaus and they said I was deleted per their request and to have them reinsert the credit card into the 3 agencies, This is credit card is for then one ending in XXXX the secure credit card. 
We have also opened another credit card with navy federal, their cash rewards card. We have complained it was not showing on the credit bureaus also. Under my husband XXXX XXXX XXXX it showed up on XXXX XXXX and XXXX, but not on XXXX. But it was not reported to any of the credit bureaus for myself. They stated they have been sending the reports to the credit bureaus, But nothing has shown up. I would like to them to fix this issue that has been going on for almost 10 months. They always try to give us the runaround stating just be patient, or just report it as a credit card not being reported. I have done the dispute process with all three credit bureaus ; the results all come down to Navy Federal not reporting it per their findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute 2 accounts that do not belong to me with Experian. They have refused to remove these fraudulent accounts to no avail. They are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX  account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights. 
XXXX account # XXXX, has violated my rights XXXX account # XXXX, has violated my rights XXXX account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Comenity bank has done nothing to resolve my issue which Ive been trying to get them to fix since XXXX. I have been unable to order anything using my overstock credit card. I was then informed by XXXX of the credit bureaus thats Comenity bank has closed my card but when I log into my overstock credit card as well as call the number in there back it states my account is active and open. I then asked customer service to send me out a new card after learning that the card that I have no longer works but shows active in their system. Then was told due to a system glitch they cant replace my card and they will have IT look into the issue. Okay that was a XXXX ago Everytime I call I get the run around and it draining and annoying. Just fix my credit report my account is NOT closed its clearly open with a XXXX credit limit and I am still waiting on a card. Also everytime I tried adding any authorized users the system would automatically remove then and when I call customer service for them to add it does the same in their end and theyre telling me they dont know why. Well overstock how about you actually do some investigating and fix this issue before this leads for a major lawsuit. Due to this error of my account showing closed my credit report has dropped over XXXX points! I dont want excuses I just want this fixed
Product: Checking or savings account

XXXX - My Pay Check was direct deposited in my XXXX account and they have proof it was. The bank does not show it anywhere and they have nothing pending. They say there is a glitch in the system. That's not my problem. I need my money.
Product: Mortgage

Several times Wells Fargo gave me hard time. The first was during the furlough of government employees. They did not want to assist when we were not getting paid The second was when I had to file a XXXX XXXX The last time was when I got XXXX XXXX and was in a XXXX  and on a XXXX for a month and was in the XXXXl for three months learning to XXXX  and talk XXXX
Product: Bank account or service

I am XXXX of XXXX beneficiaries on a savings account of my father 's. My father passed away in XXXX and when I inquired what was needed to collect and close the account, I was advised the death certificate. In XXXX I took the death certificate to the bank and requested the funds be distributed to the beneficiaries. This time I was told that all the beneficiaries needed to be present. I advised the representative that this was not possible as they do not live close to a branch bank and XXXX lives out of state. I was then advised that a notarized letter would be needed from each beneficiary with their name and mailing address so that the check could be mailed. On XXXX XXXX, I took the notarized letters to the bank. The representative called the legal dept. to verify if the letters were acceptable. This process took 45 minutes. I was then advised that the letters needed to have instructions included. When I asked what type of instructions, the rep replied he was n't allowed to tell me. I asked to speak to the legal dept. and that was n't allowed either. On XXXX XXXX, I contacted the branch manager to understand what was required to receive the funds and close the account. She could n't answer me and needed to contact the legal dept. and she would call me back. Five hours later she called me and stated the letters needed to include instructions on what was being requested. So again I had my brothers and sister complete notarized letters, mail to me and I took to the bank on XXXX XXXX. As of today, XXXX XXXX, the checks still have not been distributed.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

Accounts to be blocked per FTC FCRA within 72 hours of this submission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, supplemental police report, FTC ID THEFT REPORT, ID FTC AFFIDAVIT and validation attached thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Product: Credit reporting or other personal consumer reports

EARLY WARNING SERVICES , LLC ( hereinafter " EWS '' ) XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : EWS SECURITY FREEZE REQUEST To Whom It May Concern, Please accept this letter as my formal EWS Security Freeze request. I am aware of the fact that your company is operating in accordance with the Fair Credit Reporting Act ( FCRA ). Moreover, you have confirmed this fact on your company 's web page https : //www.earlywarning.com/consumer-information by following : To Waning uport consumers an dising and coret in curte Princel Reporting Act ( FCRA ) ''. See. Exhibit A COMES NOW, I am requesting a Security Freeze be placed on my EWS Consumer Disclosure report. I opt out of you disclosing future information until further notice, including all/any reports furnished EWS regarding all personal information of mine. This Security Freeze request not only restricts credit bureaus and creditors, but also future potential employers until ift this restriction. Under the Fair Credit Report Act you're required to comply.

I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : FULL NAME : XXXX XXXX SOCIAL SECURITY NUMBER : XXXX  DATE OF BIRTH : XX/XX/year> : PHONE NUMBER : XXXX After this SECURITY FREEZE has been filed, please send me written confirmation and/or PIN ( if any ) to the address listed above. If you do not have the option to place a Security Freeze on my EWS Consumer Disclosure report, I may file a complaint to the Federal Trade Commission ( " FTC '' ) and/or file a lawsuit against your company. I can request that the Court enter an order or judgment against your company, including : 1. A Class Action under Rules 23 of the Federal Rules of Civil Procedure ( JURY DEMAND ) ; 2. Negligence ; 3. Misconduct ; 4. Actual damages, statutory damages, and such other relief as per statutes ; 6. Award compen XXXX XXXX da many goldly everaldiy in an anount nor exceeding {>= $1,000,000} 7. Pre-judgment and post-judgment interest on monetary relief ; 8. The costs of bringing the suit, including reasonable attorney 's fees ; and 9. All other relief to which Plaintiff ( jointly and/or severally ) may be entitled by law or in equity.

Thank you for your assistance in this matter.

Sincerely, XXXX
Product: Checking or savings account

Citizens bank denied every fraud claim I opened when my wallet//id and ss # were stolen. They gave my new account number to someone who had my information over the phone allowing this person to access my account despite canceling cards and obtaining new ones. After submitting complaints against the bank the shut my account down and refuse to give me the money Im owed. On top of that I have requested numerous times for the information used in their investigation to be sent to me. I asked in XXXX and its now XXXX. I have not received the {$780.00} check that they can not confirm and was suppose to be issued XX/XX/XXXX. I provided citizens bank with government identity theft paperwork, a police report and they wont give me back a dime of my money and refuse to reopen my fraud claims due to account closure
Product: Debt collection

choice recovery inc reported on XX/XX/XXXX. In amount of {$650.00} XXXX XXXX company reported on XX/XX/XXXX in amount of {$88.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX, has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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