23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XX/XX/XXXX, I received a modification of terms. In XX/XX/XXXX, I received another one. In XXXX, I've worked extra hard to honor my agreement with Bridgecrest. I event went back to working a XXXX job as a teacher XX/XX/XXXX. Since XXXX began, here are the amounts paid for the year based upon clearing my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX At the end of XXXX, I inquired about another extension, as I could prove that I started the new job with a more consistent salary to help catch up, but I wouldnt receive my first paycheck until XX/XX/XXXX. Nevertheless, I worked my XXXX business and XXXX XXXX day and night to generate the income to make up the payments, as the collections rep was really nice about helping me. When I last paid Bridgecrest on XX/XX/XXXX {$460.00}, the rep asked me about the next payment. My response is and has always been " I make a payment by the end of the month '', which I've been doing since my finances became time in XXXX. I even paid extra. On XX/XX/XXXX, I receive a credit alert from XXXX   XXXX saying " Improved Account BRIDGECREST FORMERLY XXXX XX/XX/XXXX from XXXX ''. Maybe that is what prevented me from proactively reaching out to Bridgecrest again, as Im thinking the extra payments are really working to catch me up. The two FULL payments in XXXX would remove 60 days of delinquency. However, after work yesterday, XX/XX/XXXX, I'm on the phone with my fiance and hear '' are they getting the car ''? The repo man was here. I'm beyond shocked. I immediately call Bridgecrest. Why is the repo man there? " You put a XXXX on the account ''. " Yes I did, but I also asked you all to contact me by mail, since you disrupt my work environment by calling multiple times a day. My track record is that I will always pay the bill. You all could have also emailed me to let me know I was out for repossession. '' Sir, we sent you a letter. " When? I havent received it yet ''. We also sent a repo notice by email. " NO sir, you did not. The last email I received from Bridgecrest was XX/XX/XXXX thanking me for my payment. I periodically got emails from Bridgecrest, including XX/XX/XXXX for address verification, and one in XX/XX/XXXX and XX/XX/XXXX, but whenever I respond, Bridgecrest reps do not reply. However, I was never notified that I was in default of the contract and repossession was imminent. Bridgecrest reps also told me that there had been calls, but NO ONE left voicemails of any kind nor is there a record of the calls, which would be a violation of the XXXX. From previous deadlines, I know that Bridgecrest will charge off the account at 120 days. As of yesterday, I was 117 days and payment was scheduled for XX/XX/XXXX, as Bridgecrest knows I get paid at the end of the month. However, to submit it for repossession is absurd. Previously, I've crossed that deadline and Bridgecrest communicated with me to resolve the delinquency crisis. However, that has not happened this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attempted to dispute the fraudulent accounts with Equifax numerous times. Equifax has once deleted fraudulent accounts but have re-added them back to credit report. Ive provided two police reports reporting fraudulent accounts and Equifax refuses to remove negative fraudulent info. And Equifax wont force the merchants provide fraudulent information to provide proof of a valid debt.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections XXXX and XXXX ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX U.S.C. XXXX - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX XXXX XXXX ( Privacy of XXXX XXXX XXXX ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX U.S.C. XXXX - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've previously disputed that this Bankruptcy account from the XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX and they have told me that they don't report to any credit Bureaus. I then told XXXXXXXX XXXX that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ tried to log into my Experion account. I forgot password so asked for password reset. Provided information never received promised email with reset instructions. Tried calling Experion XXXX number XXXX XXXX XXXX XXXX. Answered questions name address zip code soc sec number. Never received email with reset instructions. Downloaded the Experian android app asked for reset said no available try later. DID NOT have issues with XXXX or XXXX. Unfortunately need to lift freeze on Experian account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 XXXXXXXX Account name : # XXXX Account namXXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX Account XXXX XXXXXXXX AccounXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Dear Sir/Madam, I am writing to address a concerning issue regarding inaccuracies in my credit report, as documented in my report dated XX/XX/2023. Several items were initially deleted, providing relief and resulting in a credit score of XXXX. Regrettably, upon re-evaluating my credit report on XX/XX/2023, I discovered the re-inclusion of XXXX XXXX # XXXX and the persistent presence of XXXX, fraudulently affecting my credit score, which dropped by XXXX points to XXXX. 

The following items were initially deleted : XXXX. XXXX XXXXXXXX # XXXX ( Unauthorized ) XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX 's XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX Despite the previous removal, the re-appearance of XXXX XXXX # XXXX is deeply concerning and suggests a lapse in data integrity. Moreover, the ongoing inclusion of XXXX # XXXX, despite my previous dispute and the evidence of identity theft provided in the attached data breach notification from XXXX XXXX is distressing. 

I have attached documentation, including the data breach notification from XXXX, which identifies me as a victim of identity theft ( FTC # XXXX ). Given this evidence, I kindly request the immediate removal, block, and deletion of the aforementioned items from my credit report. 

I understand the gravity of identity theft-related matters and will not hesitate to escalate this issue by filing another complaint with the Consumer Financial Protection Bureau ( CFPB ) if necessary. I trust that you will promptly investigate and rectify these discrepancies in accordance with the Fair Credit Reporting Act. 

* Please delete, remove and block these creditors and inquiries. 

Your prompt attention to this matter is crucial, and I appreciate your cooperation in resolving this issue expediently. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

The credit card company refused to fix an issue with fraudulent transactions on my card. I don't have internet excess as it tied up to XXXX account which I don't have anymore.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year> I sent a letter to XXXX notifying them of the reinsertion of XXXX # XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit card or prepaid card

I was sent an email to apply for Carnival Credit Card. In XXXX I was sent a letter with instructions to send a copy of driver license social security card and untillity bill. I got the same letter the next month. I sent the information again.the next month I received th same letter, all with the month changed. So I called an was told that they could not read the information So I sent an enhanced pitcures and got the letter again. By now it has XXXX I sent another response? 
letter and the enhanced copies. I recieved it again in XXXX. When they see my picture and I am XXXX XXXX am I being discrimated against?
Product: Credit card or prepaid card

Last year I was approved for a Discover Secured Card. After I sent Discover the deposit my credit card was mailed. Next thing I know Discover closed the account and they didnt even send me a letter. Since then I have tried to apply for a new Discover card and each time I apply it declines stating previous experience with Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XX/XX/XXXX I was presented with the opportunity to be a part of an assisted housing program becoming a first time homeowner. I requested a credit report on XXXX and saw that there are various unknown companies that are completely inaccurate and diminishing my legitimate credit score. I wrote and sent out letters requesting an investigation of the inaccuracies on XX/XX/XXXX. There were numerous working days that I spent on my lunch hour calling only being able to speak to various customer service representatives after repeatedly asking for their managers so that I can possibly speak over the issues within the reports - however that has been quite unsuccessful. Finally after receiving a single credit report here on XX/XX/XXXX from Experian, with the same various inaccuracies such as names being misspelled, various addresses - I have lived in the same housing community since XXXX, phone numbers - I have had the same phone number since XXXX, places of employment - I have worked with a particular XXXX  XXXX  since XXXX until my company I am associated with now has permanently hired me. On XX/XX/XXXX, I filed a police report for Identity Theft with XXXX Police Department here in my hometown of XXXX, CA. The police report was approved on XX/XX/XXXX. I have yet to hear or receive any form of communications outside of a copy of a character diminishing report and a letter stating ways to remedy IDtheft isues. I am now going to request a reinvestigation as well as provide a copy of the police report to the three major credit bureaus : Experian, XXXX, and XXXX U.S.P.S Certified Mail. I have also requested a security freeze over the internet sent out XX/XX/XXXX via U.S.P.S and I have filed a complaint with FTC on XX/XX/XXXX.
Product: Credit card or prepaid card

Hello I sold my XXXX gift card that was worth XXXX dollars to XXXX. They offered XXXX for it and I accepted. 
I did this online XX/XX/XXXX. To date no word from them it just says pending. Its been 9 days of me waiting. So my gift card is useless now and they refuse to communicate with me. 
They have my bank account information too and now Im worried. They took that gift card and now Im ignored. 
Thank you
Product: Debt collection

Knight Adjustment Bureau is reporting and attempting to collect on a debt that is not valid and that I do not owe. It is for an erroneous day care bill. I paid for my kids day care and was never one time late. I advised them I was needing to remove my kids and they advised me the only person who could cancel services was the owner who was out of town, they are always out of town for weeks at a time. I was paid up and cancelled. I do n't even know what this is and nobody at XXXX XXXX ( the  original creditor ) will help me and Knight Adjustment wo n't help either. This is not my debt, its not valid and it needs to be deleted & cease collection.
Product: Credit reporting or other personal consumer reports

It is illegal to furnish history transactions without written consent. It is a violation of privacy. There is a need to ensure that the Consumer Reporting Agencies defined as ( CRA ) exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and Transunion are all Consumer Reporting Agencies. I am defined as the consumer. Being the consumer I am exercising my right to privacy. 
XXXX XXXX XXXXXXXX is defined as a Finacial institution under title 15 USC 1801. I do not and will not give consent written or unwritten, verbal and non-verbal consent to any Finacial institution or ( CRA )
Product: Credit card or prepaid card

I had purchased a XXXX listing service that did not provide what was promised. I canceled it/ the service, the same day the charge went through. 
Very upset that USAA and XXXX are not reversing this charge. 
A contract works two ways and when the seller does not honor the promised product a consumer should not be forced to pay. 
Very disappointed in XXXX and USAA. 
We have removed all our accounts for bad customer service from USAA and this one will be next, once paid off. 
Please assist, USAA spent hours on the phone with me going over the details and I have sent a lot of information. There is no way this was investigated properly, if it was then someone needs to make it right. 
Thank you. Also, the disputed transaction is with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide this information that is required by law. Also, when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. 

Accounts : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX ACCT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX, XXXX and Transunion Credit Bureaus are reporting inaccurate information in XXXX, XXXX XXXX and XXXX XXXX. Per FCRA, reporting must be XXXX  % accurate or the information must be updated. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or update this from my personal file. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$480.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00}.
Product: Debt collection

I received a phone call on XXXX/XXXX/XXXX from Chaplain Financial Services claiming to be a mediation company on behalf of an attorney for XXXX XXXX. They stated that I would be served by a county processor at my home ( I have not lived at the address they have on file since XXXX ) or at my place of employment. I called back to resolve the issue. They stated I received a payday loan from XXXX in XXXX of XXXX. I stated that I was not aware of a loan and I would request bank statements from XXXX. I made a payment of {$110.00} to this company and informed them that I would follow up after I confirmed said loan. I have never received a loan for this amount or from this alleged company ever. I have since disputed the original payment of {$110.00} because the company does not exist and Chaplain Financial Services refused to give me any attorney information and would not send me any written validation of this debt. They also stated that I had a default judgement for this debt, I have never received any correspondence from the alleged original debtor or any subsequent collection agencies. I looked up the number they called from online ( XXXX  ) and saw 53 complaints with the same situation. They have threatened to sue me, they have threatened me with wage garnishment, and threatened to charge me with fraud if any other avenues to pay a debt that does n't exist did not work to their satisfaction.
Product: Debt collection

I am been telling them to stop calling as my account is already in dispute but they said that we will keep calling you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION LLC Consumer Dispute Center credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$12000.00} XXXX  XXXX XXXX XXXX XXXXXXXX - {$3100.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX  - XXXX - {$31000.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX  XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX {$15.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Today, XX/XX/22, I received a credit report alert from my primary banking institution, XXXX. When I opened it up, I saw that I had a delinquent XXXX XXXX XXXX account to the tune of {$21000.00}. I have never opened any account with XXXX XXXX XXXX, so I was immediately alarmed and called XXXX, who connected me with XXXX to report the fraud. XXXX suggested I file a report with the XXXX which is what I am doing here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made all payments on time ( less than 30 days late ) but the company decided to the report to the account 30 days late. Payment was due on the XXXX of XXXX, and I made a payment on XXXX of XXXX which is obviously less than 30 days. Two different payments were due on the XXXX and the XXXX of XXXX, and I made the payment for both on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX  XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX  XXXX Balance : {$9200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX