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

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681.604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a late payment on a credit card under an open and consumer account as late for any purpose.
Product: Credit card

Company sent wrong part for my range hood. Company refused to issue refund. Wells Fargo ( WF ) did not issue refund when I disputed charge.
Product: Debt collection

On XX/XX/2023 I went to the XXXX XXXX  at XXXX XXXX XXXX XXXX. I was treated and released. On or around XX/XX/2023, I received a phone call from XXXX XXXX XXXX requesting payment for an alleged outstanding bill. I was unaware that I owed anything being and that it should have been taken care of by XXXX XXXX XXXX XXXX. I asked the representative on the phone why I owed the bill and I was informed that the claim to XXXX had been denied for reasons of me having other health care coverage. I asked her if I had other health care coverage then why did the first part of the bill get paid. I also requested the denial letter ( which is part of my medical records and I am fully entitled to it ) and the representative told me know she could not give me what I requested. I then called XXXX and XXXX informed me to tell them to re-bill it. I did as requested. Come to find out I spoke with XXXX in XXXX XXXX liability with XXXX XXXX XXXX, that in fact XXXX  XXXX had not even filled the claim with XXXX XXXX XXXX even though it says on the bill that they had. This is unfair and abusive to take advantage of a low income individual. I have also been turned over to a collections company and I have already had to pay a portion of the bill.
Product: Credit card

My billing statements are sent through the mail. They are late each time. But this particular one wasn't sent til the XXXX and my payment is due on the XXXX. But on top of that I wasn't aware they put on XXXX worth of interest but maybe if they would have sent it on the right due date instead of being sneaking this would have been avoided. Also the guy I spoke to sounded like a drunk slop at his desk. I'm not even exaggerating when I say that.
Product: Mortgage

The short sale was submitted over 139 days ago and there is ju st one delay after another. First it took about six months for Shellpoint to " review  '' the file which by the time they issued an update it was  XXXX   XXXX  which they countered the buyer at {$240000.00}. This was after the fact the said the refuse to allow the VA buyer closing costs so we had to remove all but the escrow fee. On  XXXX   XXXX  we submitted a value dispute in response to the counter,  Shellpoint adv ised it would take UP TO 30 days to have a response. I called TWICE a week for updates. On  XXXX   XXXX  after the 30 days had passed I submitted a CFPB complaint, which was closed because the company finally responded on  XXXX   XXXX  stating the value dispute concluded with no change to the price expectations. the next day on  XXXX   XXXX  the buyer increased the offer. The negotiator  XXXX   XXXX  said it would only take a few days for approval. However, on  XXXX   XXXX  he said that despite being told that they would allow up to 12 months in hoa dues that because it is now a lien they wont allow anything. I was also told it will take another 30 days for the investor to approval the buyers request for the escrow fee to be paid, despite the fact they are financing with a va loan and this is mandatory. NOW they are delaying the file even more by ordering another appraisal despite the fact they h ave one on file from less than six  months. This file has been dragged through the dirt and completely mishandled.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete ) Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( inaccurate please delete ) Account Name : PXXXX Account : XXXX PAST DUE BALANCE : {$1100.00} ( inaccurate please delete ) This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX credit Card In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Risk Solutions Consumer Center Support Team, I hope this message finds you well. I am writing to request an update to my public records to reflect my current phone number. Ensuring the accuracy of this information is important to me, and I would greatly appreciate your assistance in this matter. 

Phone Number to Add or Update : XXXX To assist with this process, I have included documents that verify my identity and confirm my phone number. Should you need anything further to complete the update, please do not hesitate to contact me. 

I kindly ask that this request be handled at your earliest convenience. I would also appreciate a confirmation once the update has been made. 

Thank you for your attention and support. Feel free to reach out to me at XXXX or XXXX if you require additional information. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Credit reporting or other personal consumer reports

XXXX credit report {$700.00} high balances {$300.00} credit limit was the balance Company : XXXX XXXX Indigo / XXXX Report # XXXX
Product: Credit card

Capital one card service violations the following The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA. Capital one has this account charged off for XXXX refused to provide consumer with 1099 C this is taxable incomes and the debt has been charged off as a lost to the company. Capital one continues to report inaccurate information since they charge off the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with Credit Acceptance. In XX/XX/2019 my insurance company totaled the car out and paid them {$7700.00} leaving a balance of {$2900.00}. I have been trying to get them to update the credit reports as they are reporting the wrong information. We nor Credit Acceptance own the car any more the Insurance company does. So this needs to be corrected. Please report the correct information to the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Not aware of these accounts my social security card was in my wallet and i check my credit reports and these accounts were open in my name and these accounts do not belong to me.
Product: Credit reporting or other personal consumer reports

I've raised several disputes concerning accounts that aren't mine, but they continue to appear on my credit report. Additionally, I've filed multiple FTC Reports regarding these incorrect accounts. Despite legal obligations, these companies have neglected to address the disputes appropriately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I ordered a pest removal service from terminix XX/XX/2015. The service I requested consisted of spraying the entire inside of the house, as well as removal of a beehive attached to the outside of the house. The problem is, the service was never provided. A representative of the company came and after seeing the beehive, he said he would be back later that evening, though he never returned. 
I called XXXX to find out what happened, and was told they saw it was not completed but would reschedule an appointment for the following weekend. i agreed, waited all day on the agreed upon day only to have nobody show up at all. I called the next day, and XXXX apologized for wasting my day waiting, and offered to schedule another date for their representative to come perform the services. They did n't show up to the rescheduled date either, nor did they show up for the next XXXX rescheduled appointments either. Each time I was apologized to but no explanation was given. After all of these missed appointments, and wasted time, I called another exterminator and he performed all of the services needed. 
i saw that XXXX charged my credit card and called to ask why they had done that if they never performed service. They apologized and assured me they would refund me and correct the error. they never did, so i called my credit card company and had the charge reversed. I started receiving bills from XXXX stating that i owed them a balance of {$270.00} ( for the service they never performed ). I again called them and was assured their mistake would be corrected and I should not worry. They never corrected the mistake, and instead sent it to a collection agency called NCI. After receiving the letter from XXXX claiming I owed a debt, I called XXXX and was told I would need to send them a letter in writing asking for proof of the debt, Which i did within thirty days of receiving their letter. Their proof was a work order from XXXX stating that they sprayed some chemicals outside the house, and in the area where I supposedly signed is a horizontal line. I was not there when they supposedly performed the service as I was receiving treatment for XXXX in XXXX. The signature is fraudulent. Besides that, the services I ordered were primarily for the interior of the house, which they clearly state was not done. ( I would not order the service of removal of a beehive for {$270.00}, which is a ridiculously high amount. My local exterminator quoted the same service for less than {$80.00}, and ended up performing the interior for a total of {$150.00} combined ). 
After receiving the alleged proof, I attempted many times to contact NCI by phone but was continuously hung up on by their phone system before being able to speak with anyone..
Product: Credit reporting or other personal consumer reports

I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong info please see fraud laws : FCRA violations 017 XXXX  XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX Select a Reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, requires us to delete any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts have inaccurate reporting, including inaccurate amounts and dates.
Product: Credit reporting or other personal consumer reports

15 USC 1681 Section 802 of the Fair Credit Reporting Act states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy ''. XXXX is a consumer reporting agencies and I am the XXXX. I, the consumer, have the right to make sure my privacy information isn't shared which is backed by 15 USC 6801, stating, " It is the policy of the XXXX that each XXXX XXXX has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information ''. Discover Bank is a financial institutions by definition under that title. Also, 15 USC 1681 Section 401 Section A ( 2 ) states, " 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 written instructions of the consumer to whom it relates ''. The XXXX XXXX  Discover Bank and the consumer reporting agency XXXX does NOT have my consent to furnish ANY information in regards to ANY items they are furnishing on my report and they surely do NOT have my written consent either. Any and all consent to XXXX and Discover Bank- whether it be verbal, non-verbal, written, implied or otherwise- is REVOKED. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. I was never informed of my rights to exercise my nondisclosure options by Discover Bank. Not only that- 15 USC 1681c ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 XXXX years ''. The Discover Bank account is an adverse action account reporting without my permission- which is clearly against the law. 15 USC 1681s-2 ( A ) ( 1 ) states, " 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 ''. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at ANY time ''. This is your notice that I am opting out of ALL of your reporting services.
Product: Vehicle loan or lease

I am writing because my wife and I have an auto loan w/ Ally Inc. We received a letter about the class action suit for giving higher rates to minorities. We entered in to the suit. I heard it was settled and we never heard anything about it again. Ally wo n't tell me anything. Well, they will tell me nothing is noted on my account. I would like to know something. Please help.
Product: Credit card or prepaid card

Someone ( still unidentified ) applied for a credit card using my name, address and social security number from both Citi and XXXX XXXX. Both applications were denied, so a card was not issued, however my identity was stolen.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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.

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 ) ( a ) 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. I request delete the not authorized hard inquiries below : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
Product: Checking or savings account

On XXXX XXXX I received a text message stating that it was from Navy Federal about suspicious fraudulent transactions on my debit card and a few minutes later a phone call.During the call I was asked to give identification to setup alerts to prevent this in the future.I was busy at work and was trying to finish the call so i was only following instructions and not being focused. I am a XXXX XXXX XXXX and was working in South Dakota. I set up travel plans with Navy Federal credit Union as soon as I arrived in XXXX XXXXLater that afternoon I noticed XXXX {$50.00} dollars transactions on my account and I was thinking if that is the same transaction I received the call about, I called the bank on XXXXinforming them that those transactions were fraudulent and not authorized by me and I told them about the call and the texts from the bank and the representative said that she will make a fraudulent report and I told her I spoke to someone yesterday who said that he did that and she said that no report was made and she will file one now.on XX/XX/23 a provisional credit of the fraud transaction was placed in my account the sum of $ XXXX.while the claim is being investigated. On XX/XX/23 I received a mail from NFCU that the provisional credit placed in my account {$450.00}. Will be removed on XX/XX/23. 
After a lot of back and forth the NFCU denied the claim stating that the transaction was made from my phone and XXXX said i did made the transaction, I called XXXX and was told that the transaction was not made by me but my account and phone IP was used.After several back and forth I realized that the call was when the transaction was done I called the bank and ask if they texted and call me on XX/XX/23 and they said no. 
I sent the XXXX  receipt showing i did not made those transactions and I told them what XXXX said .I re filed the claim several times and eventually on the XX/XX/23 I received a mail from NFCU stating that they have made a final determination based on the facts of their investigation that my fraud claim was valid and the provisional amount of {$1900.00}. Will remain in my account.But on XXXX the entire amount of the provisional payment was removed from my account.so i called the NFCU reminding them that the money was removed from my account and needed to be returned to my account and then after a long two hour call I was told that I will have to wait until a week later for them return my money, but every time I called i got a different response and i made a police report and also to the FBI and i was refunded only {$1500.00}. Only when asked no one can give me a valid response. I reminded them of the final decision the sent to me in the mail but no resolution to refund me my {$450.00}. Remaining money to date. I was treated rudely and they hung up the phone finally. I asked for the supporting documents to verify their actions and was told I have to subpoena them.
Product: Vehicle loan or lease

Exeter Finance has continued to report my account late to the credit bureaus for the last year. Yet I have made my payments on time and have been up to date. They keep saying it is not them but it is the way they are reporting to the credit bureaus.
Product: Mortgage

I have been getting the run around with Cardinal Financial company and the title company that they use XXXX settlement services. one of the issues regarding closing on my refinance was, I was approved to close but no one would schedule the closing. I had to call numerous times to get an answer as to why it was not scheduled. everyone that reviewed my file could not understand why a date had not been set after 2 weeks of being approved. I was finally given a date to close on XX/XX/XXXX. I live in Texas and had to travel to another state to take care of my mother who is critically ill and was told I could close there only to find out I couldn't due to the laws of Texas so I was told. I had to make arrangements for my mother and purchase a airline ticket to close on XXXX XXXX. I was assured everything was finally in order and the close would definitely happen on the XXXX. I CALLED AGAIN RIGHT BEFORE HEADING TO AIRPORT TO MAKE SURE IT WAS STILL SET FOR THE XXXX. My XXXX was admitted to hospital and I had to catch my flight to make the closing. After I arrived in Texas I called to get the address of the title company because my closing was scheduled for XXXX XXXX XXXX it was XXXX XXXX  at this time. I received a call back from XXXX XXXX at Cardinal Financial that the title company did not have me on the schedule. It is XX/XX/XXXX and no one will speak with me. I was told that we could close on the Friday XX/XX/XXXX, however no one will speak with me and I am still not scheduled. There have been numerous problems with Cardinal Financial dropping the ball on my account and me having to constantly call to get answers. I still need to fly back to be with and care for my XXXX mother and have no answers. the title company claims they know nothing about it .Cardinal financial blames the title co for dropping the ball. I am thrown in the middle at their mercy and cant make arrangements to fly back as my mothers caregiver. I have not been treated fairly during this process and believe I am being discriminated against and given the run around.