23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2022. 
I Purchased a a/c system for my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
I unknowingly signed contract that included items that were not compatible with my new a/c system per bad recommendation of " XXXX '' seller from XXXX XXXX XXXX XXXXXXXX XXXX XXXX among with the new a/c system. 
So, based on that bad experience I cancelled all the other additional items that I purchased, leaving only the new A/C system ( it was already installed ) So, for the payment " XXXX '' had me signed a loan of {$20000.00} that would be paid XXXX payments of {$330.00}. 
BUT, since XXXX XXXX sold me the wrong product and I cancelled the other items, the price of my debt went down to {$14000.00}. 
I contacted both parties to redo a new contract with the ONLY item that I actually received, but XXXX XXXXXXXX XXXX XXXX  said that they will credit the money to my account. I told them no, because the monthly payments will be bigger, thinking that it was the only issue, so, I submitted a claim with Ally, and both parties agreed to keep the same account. 
I received an email from Ally that XXXX XXXX XXXX XXXXXXXX XXXX XXXX stating their resolution. 
I emailed over 10 times asking for a document that states the Items that XXXX XXXX XXXX included in my new debt, but I only got a verbal response. 
To make matters worse Ally verbally expressed that I have still to make the 120 payments of {$330.00} and that I have a FEE of {$180.00}. Now I owe them more than the debt {$15000.00} I have made 3 payments of {$330.00} and I am also charging {$35.00} late fee because of the time that they process the payment. 
The Ally account number is XXXX Is very important to add that both companies ignore my emails and ask me to contact them over the phone and when I do they claimed to be in a meeting and never call back. 
XXXX XXXX from Ally said that he can't longer talk to me about my case that " XXXX '' will call me, but she/he had not nor respond my calls. 
His email is XXXX and from XXXX XXXX is XXXX XXXX XXXX XXXX
Product: Credit card

CAPITAL ONE Acct Number : XXXX I am writing to formally dispute the accuracy of the payment history reported for the account referenced above. After reviewing my credit report, I noticed that the payment history for this account contains inaccuracies that do not reflect my actual payment behavior. 

Specifically, the reported late payments or other derogatory marks are incorrect. I have made payments on time and in accordance with the account 's terms. The errors in reporting have negatively impacted my XXXX XXXX and overall creditworthiness. 

I respectfully request that you investigate this matter and remove the inaccurate payment history from my credit report. Please correct the information to accurately reflect my payment history or remove the account entirely if the errors can not be rectified. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the actions taken to correct my credit report. If you need any further information from me, please feel free to contact me at your earliest convenience. 

Thank you for your assistance. 

Sincerely, XXXX
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 ally auto closed an account on my credit with the balance of {$9300.00}. They received a 1099 C from the IRS which means they got a tax credit for the remaining balance. They are trying to collect from me and the IRS. They need to update the balance to {$0.00}. I have reached out to XXXX which is one of the representatives in the XXXX XXXX XXXX XXXX  file number XXXX but she has yet to respond to me.
Product: Money transfer, virtual currency, or money service

Earlier today I saw on XXXX that someone was selling tickets to the XXXX vs. XXXX game in XXXX tomorrow ( XX/XX/XXXX ). I contacted the seller via text message. He was selling the tickets for {$110.00} each, and I wanted 2. So I paid him {$230.00} through XXXX, an application that is backed by my bank, XXXX XXXX XXXX ( so logically, I thought this company was trustworthy ). I sent him the payment through XXXX and let him know. I never heard from him again and never got the tickets. He provided his name, XXXX XXXX, and email, XXXX, which I do not know if it is legit. I also have his phone number, XXXX. I figured if he used this name and email address on XXXX that XXXX would be able to track him down and stop the money from being transferred into his account ( and before he was able to close the account ). I tried contacting XXXX via the contact page on their website and didn't receive a prompt response to fix this issue. I also tried calling the number listed on their website. They provided no option to help resolve this issue and no option to let me speak to a representative. All I wanted was to stop this money from being posted to his account and out of mine. I do not have {$230.00} to spare. I am a recent XXXX XXXX  with very little money. People like this should not be able to get away with such actions, and in addition, I want my money back. 

I have read countless posts online about how XXXX says there is nothing they can do since the buyer ( me ) authorized this transaction. This is not fair.. especially when I've attempted for hours to get this transaction to be stopped before the scammer gets his money and shuts down his account. 

I will NEVER use XXXX again and will NEVER recommend XXXX. I'm livid. 

I've reported him to the FBI Internet Crime Complaint Center in hopes he gets caught.
Product: Debt collection

THIS IS A NEW COMPLAINT AGAINST CHOICE RECOVERY LLC AS THEY FAILED TO VERIFY THE MEDICAL DEBT MAKING FALSE STATEMENTS TO COLLEC T Choice Recovery LLC is  perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public La w 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807.  False or misleading representations,  ( 2 )  The false representation of - - ( A )  the character, amount, or legal status of any debt ; My complaint is addressing the amount of the debt of {$50.00}.  Choice Recovery LLC  and the Creditor (  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  ) has failed to provide proof of debt.  <P/> Whereas,  Choice Recovery LLC a nd their client (  XXXX   XXXX   XXXX   )  are making a false representation of the amount of the alleged medical debt.  <P/> They must provide the following  medical services : 1 )  Dates of th  e medical services.
2 ) What medical services did they provide.      3 ) Provide proof the medical services  rendered.    4 )  Copies of all payments made by me.    5 )  Copies of the insurance reimbursements.    6 ) Tot al amount billed to the insurance carrier.    7 ) Total insurance carrier  paid.    8 )  Copies of the copays.    9 )  Copies of the Co-insurance.    10 ) C opies of the insurance contractual adjustments.    11 ) Copy of the ACTUAL  insurance  carrier  reimbursement vouchers.    12 )  Copy of their insurance contract with the insurance carrier.  <P/> Choice Recovery LLCs failures as required by the Fair Debt Collection Practices Act, should be fined by the CFPB for their violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I received a notification that an inquiry was placed on my XXXX credit report for a JPMCB- Card services account. I reviewed the information on XXXX and determined that I never applied for this type of account or any credit within the last 90 days. I immediately disputed the inquiry on XXXX 's online portal, assuming that it was an error and the report came back that it was accurate. I then redisputed the inquiry again and advised that it was a fraudulent inquiry and XXXX again returned stating that it was accurate. On XX/XX/2023, I contacted the number on my credit report for JPMCB- Card services to inquire about the account but the customer service representative could not find my information in the system. She advised me to contact XXXX. Next, I contacted XXXX 's dispute center by telephone and spoke to a woman who advised me to take the next step to dispute the inquiry as fraud and to send in information regarding the fraud. She also advised me to contact the CFPB which I am doing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been negatively affected by the information Equifax has in my file. The information has not been updated in over 6 years. Accounts missing and old accounts that have been paid in full and closed are still showing. I was just denied credit due to Insufficient Credit References. I have over a dozen active accounts that are all current and have never missed any payments or even been late. This has been a problem for years with Equifax and the last time I spoke with them, they stated that if the creditors dont report, they can not update. How is that right, when XXXX  and XXXX  seem to keep up with my accounts. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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, CA XXXX XX/XX/2020 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$330.00}
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Over 45 days ago I sent in a dispute to the 3 consumer reporting agencies for reporting incorrect information on my report. Because of this mistake on my report it has caused me be turned down for employment opportunities. According to what I read on your site it is the responsibility for you to protect the consumer and I dont feel that is happeneing. I ask that you hold the bureaus accountable for ignoring my request and do something to help me. This has caused stress on my marriage because I have to be able to take care of my family and I need this to be corrected as soon as possible. I have waited and waited and all I keep hearing is the 30 days well its past that so now what??
Product: Debt collection

Experian, Re : XXXX XXXX XXXX XXXX Account # XXXX This letter is formal notice that you have failed to respond to my dispute letter XXXX. I sent this letter certified mail and have enclosed a copy of the return receipt which says you received it. 
Federal law requires you to respond within XXXX  days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I have been maintaining detailed records of all my correspondence with you.

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.

The following information therefore needs to be DELETED from the report as soon as possible : XXXX XXXX XXXX XXXX Account # XXXX Please delete this erroneous item from my credit report as soon as possible. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

The company has been improperly filing on my credit report. Ive reached out for them to stop and the didnt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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 am writing to formally dispute the late payment entries on my credit report related to the following accounts : Account XXXX Creditor XX/XX/XXXXDate of Late Payment : XX/XX/year> Account XXXX Creditor : XXXX XX/XX/XXXX Date of Late Payment : XXXX Upon reviewing my credit report, I noticed that these accounts are reported with late payments that I believe to be inaccurate. 

XXXX an investigation into the accuracy of these late payment entries. 
Provide a written update on the status of the investigation and any changes made to my credit report. 
I would appreciate it if you could expedite this process, as accurate credit reporting is crucial for my financial well-being. Enclosed with this letter are copies of all relevant documents for your review. Please let me know if any additional information or documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX 2023, Equifax phone attendants fought me, and lied to me about not having received the identity theft report from CFPB when I sent it to the other credit reporting agencies. They were listed on the report. The inquires are fraudulent and they refuse to remove them. I have attached the identity theft report. They screamed at me and demanded that I write them a hand written letter with forms of id and bills associated, after putting me through a large battery of questions to verify my identity. Its exhausting how they behave. If these records are not removed, I expect them to be held accountable for violating my rights!
Product: Debt collection

On XX/XX/year> at XXXX PM, I received a text message from an alleged debt collector, stating that I owed a debt of {$67.00}. There was a message sent previously ( XX/XX/year> at XXXX PM ) that I had not seen. ( I've attached the text messages below ). I know that I had no outstanding debts except my credit card. Something seemed off about the formatting as well. So, I decided to leave the links alone, despite how curious I was, & investigate further. I googled the company collecting this supposed debt, XXXX XXXX XXXX XXXX. The number in the text seemed to match the one on their website. I chose to call their consumer hotline ; if they were a real company, that seemed like the appropriate place to raise an alert. However, when I called, I was bombarded with information about medical devices. I tried to explain why I was calling multiple times but kept getting talked over, cut off, and transferred. I was transferred twice before I spoke to a real human named XXXX XXXX I'm not convinced that the other " agents '' were real people ) from a COMPLETELY different company- Life Protect XXXX. They claim to be a legitimate company & have an A+ rating on BBB ( this is what XXXX XXXX me ; I did not verify ). I guess they provide " free '' medical devices that they harass people into signing up for. Even though I explained that I was sent a suspicious text regarding a debt I owed ( which I believe to be utterly made up ) and didn't understand how I even ended up getting transferred to this medical device company, he was still trying to push this product that I explicitly stated I did not need. When I wouldn't budge, he attempted to transfer me AGAIN. My experience felt like a hassle ; I can only XXXX what it must be like for senior customers whose defenses XXXX not be as strong. It felt extremely predatory. 

I'm not entirely sure what the connection is between these XXXX companies, or how the debt-collecting text plays into it, but it just doesn't smell right.
Product: Debt collection

I signed an agreement with XXXX XXXX XXXX XXXX  that is managed by XXXX XXXX XXXX to purchase a timeshare. Fraudulent sales techniques were used by the XXXX XXXX XXXX XXXX during the point-of-sale, I became aware of the many omissions, misrepresentations and undisclosed terms that were not properly disclosed to me prior to signing the timeshare agreement. The majority of the misrepresentations that were made by the sales representative had deluded my judgment and misguided me into the purchase. Conrad Acceptance Corporation is now attempting to collect on the Account. The last collection notice I received from Conrad Credit Corporation was datedXX/XX/XXXX and sent to me by XXXX XXXX a Collection Representative. Because the account is now negatively impacting my credit and stopping me from getting a home loan, I sent a Debt Validation Request dated XX/XX/XXXX, back to Conrad Credit Corporation to dispute the debt they attempt to collect. To date I have not received any other notice or correspondences from Conrad Credit in regards to the account or my debt validation request and they still show up on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX, and I'm writing to ask for your assistance in contacting this company. I attempted to get in touch with them to inquire about the circumstances behind the creation of a new account in my name. It is unfortunate that this issue is now harming my credit record since it is a really severe subject. I feel terrible about it. I do not give anybody permission to use my name, date of birth, or any other information about me since doing so violates both data privacy and the law. They have to determine who really started the account in my name and then provide those details to that individual rather than transferring them to me. Could you perhaps assist me in finding a solution to this?