23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 an alleged fraud or extortion. 

XXXX : XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} EQUIFAX XXXX XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX XXXX Balance : {$360.00} XXXX. XXXX XXXX XXXX Balance : {$2300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$4400.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$1800.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$4300.00} XXXX. US DEPT ED XXXX Balance : {$3200.00} XXXX. US DEPT ED XXXX Balance : {$3100.00} XXXX. US DEPT ED XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Removal of Outdated Information from Credit Report and Compensation for Violations Dear XXXXCollege Loan Corporation and XXXX XXXX XXXX XXXX , I am writing to request the immediate removal of outdated information regarding my account from my XXXX credit report dated XX/XX/XXXX . According to the Fair Credit Reporting Act ( FCRA ), negative information such as late payments or collections should not be reported for more than 7 years from the date of first delinquency. 

The account in question is : XXXXCollege Loan Corporation Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid and Closed Since the last activity on this account was in XX/XX/XXXX, it has been well over 7 years and this information should no longer appear on my credit report. I kindly request that both XXXXCollege Loan Corporation and XXXX investigate this matter and take the necessary steps to ensure this outdated information is removed from my credit report promptly.

In addition to the removal of this outdated information, I am seeking compensation for the violations of my rights under both state and federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and any applicable state consumer protection statutes. The continuous reporting of this outdated information has caused significant harm to my creditworthiness and financial well-being over an extended period.

Based on these violations and the harm caused, I am demanding compensation in the amount of {$10000.00}. This amount is intended to cover damages related to the negative impact on my credit report, financial distress, and any other related inconveniences.

Please confirm in writing that this correction has been made and provide details on the compensation for the violations incurred. If this matter is not resolved to my satisfaction, I will consider pursuing further legal action.

Thank you for your prompt attention to this matter. I look forward to your swift response. 

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

on XX/XX/XXXX certified letter XXXX XXXX XXXX XXXX XXXX was mailed to XXXX on the address listed on the credit report. They were required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. They have violated the Fair Credit Reporting act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX CAVALRY PORTFOLIO SERV XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant TRANSUNION. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$3900.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle XXXX XXXX XXXX XXXXXXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Product: Mortgage

I have been trying to get a modification from Wells Fargo and again they have just strung me along? I have a detailed letter to attach to explain in more detail of the situation.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I bought a vehicle from XXXX XXXX XXXX in XXXX XXXXXXXX XXXX and it was supposedly financed by Capital One. When I signed the documents, my signature was the only one on there and since XXXX I have sent several certified letters and emails to the dealership and Capital One requesting the copies of the documents I signed and for the accounting of the loan and have recieved no response back from either one. I have already paid over {$5800.00} for my vehicle and I refuse to pay a dime more until I get the documents I requested and they are required to give me by law. In XX/XX/XXXX, Capital One reported to the credit bureaus that I was late in my payments, dropping my credit score 75-80 points. I sent a certified letter to Capital One including proof that I have sent several certified letters and emails requesting the documents and accounting of loan and they sent me a letter back stating that they couldn't update my credit report due to lack of information being sent in. What more do they want from me then the letters stating that I never recieved any copies of the loan contract for them to correct my credit report and fully discharge this debt. I am not paying them anymore money when they can't provide me with proof that I owe them. I have also recieved letters and an email from the dealership stating that my loan wasn't approved and that they were sorry that they couldn't get my business. The last one being sent from dealership on XX/XX/XXXX : Hi XXXX, I just wanted to say thanks again for giving me the opportunity for your business here at XXXX XXXX XXXX XXXX XXXX. I understand that we were working with you on your interest in a vehicle but we were not able to earn your business at this time. However, moving forward, I wanted to assure you that if you were to need anything in the future, I am still here to help. If any questions or concerns should arise, please feel free to contact me as I would be more than happy to assist you down the road. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Direct : ( XXXX ) XXXXXXXX XXXX XXXX Clearly the dealership and Capital One have no idea what's going on and they need to update my credit report and discharge this debt as soon as possible. They have no right to make any bad remarks on my credit report causing me to have my score severely drop over fraudulent information.
Product: Credit reporting or other personal consumer reports

A company by the name of XXXX XXXX XXXX showed up on my credit report. I do not owe them anything. It says XXXX  but Ive never had XXXX. I would like it removed asap.
Product: Debt collection

Have repeatedly contacted this billing company to get them to bill medicare as the secondary insurer, not primary. Was told it was a surprise bill by XXXX and we did not need to pay any of it. It was a coordination of benefits XXXX  between XXXX and medicare as they billed medicare as primary and both refused to pay. I fixed the medicare end and they rebilled XXXX and collected over {$130.00} contracted part of the bill. I keep calling their billing office and telling them to bill medicare. They do not know what they are doing and have sent me 6 bills already. I could have ignored it as a surprise bill, but I worked to get them paid. I paid premiums to Medicare Part B and husband 's XXXX for over {$1000.00} per month. They need to bill Medicare. NOW THEY HAVE PUT ME INTO COLLECTIONS with Quality Asset Recovery LLC.
Product: Checking or savings account

I am writing to formally lodge a complaint against Truist Bank regarding a fraudulent transaction on my checking account that occurred on XX/XX/year>, in the amount of {$4100.00}. Despite my numerous attempts to resolve this issue and providing substantial documentation proving my innocence, Truist Bank has denied my claim twice. 

From the beginning, I have cooperated fully with the banks fraud department and supplied all the necessary documentation to prove that I did not authorize or make this transaction. The fraudulent charge took place in Texas, while I reside in XXXX, Florida. I have never been to Texas nor do I have any known contacts there. This transaction is entirely inconsistent with my account history, as I have never made a purchase for such a significant amount. 

Here is a summary of the steps I have taken and the documentation I provided : Submitted a police report confirming that this was a fraudulent transaction. 
Contacted the merchant involved in the transaction to verify that I did not authorize or make the purchase. 
Provided evidence of my location at the time of the transaction, proving that I was in XXXX, not Texas. 
Detailed my account history to demonstrate that I do not typically make transactions of this size. 
Made several phone calls and escalations with Truist Bank 's fraud department, explaining the situation and providing further evidence of my claims. 
Despite all of this, Truist Bank continues to assert that I made the transaction, which is simply untrue. I have gone above and beyond in proving my case, but I am still being denied a fair resolution. The amount of {$4100.00} is a significant loss for me, especially given that I am XXXX XXXX XXXX, and this situation has caused me considerable distress. 

The following are the details of my case : Claim # : XXXX Escalation Reference # : XXXX I kindly request your assistance in resolving this matter. I have done everything in my power to prove that I did not authorize this transaction and hope that your involvement will lead to the recovery of my funds. 

Thank you for your time and consideration.
Product: Student loan

I made a payment for a specific date ( my due date ) and upon review of the receipt, it was marked for the following day. I was on the phone for 3 hours and all the representatives told me there was nothing that could be done. I asked for them to review the recording that specifically states my due date is the date the payment was made and they said nobody could. I was then told that I would need to pursue legal action to get any sort of resolution because nobody would fix it. The only thing they offered was to cancel my payment because they didn't honor their terms and conditions. All of this in spite of the supervisor agreeing that the information I agreed to was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX continually have reported closing balances incorrect and have not adjusted my credit score accordingly. These cards are paid down extremely fast each month and my credit score is not reflecting the current balance each month! Please have this corrected, because it is affecting my ability to get a low interest rate loan. I have attached documentation that reflects balances as of XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, ACCOUNT DESCRIPTION, CREDIT LIMIT, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit card

On XX/XX/year> I thought I was booking a round-trip flight from XXXX  XXXX XXXX XXXX to XXXX, XXXX. I was using the XXXX XXXX website ( this is a fairly routine trip for me, I reserve it several times a year ). When I attempted to add a rental car to the reservation I was somehow ( unknowingly ) directed to another website " XXXX XXXX  '' which turns out to be XXXX. You will note on the attached documents that " XXXX XXXX  '' uses many of XXXX XXXX logos and for all intents and purposes appears to be the same company as XXXX. After I booked the reservation on XXXX XXXX I realized that I had been misled to this website and that other, more desirable travel times and rental car options were available on the XXXX website. I IMMEDIATELY cancelled the reservation on XXXX and assumed that a refund would be coming to my AmEx credit card. After several days, when the refund did not appear, I called XXXX and was informed that the airfare portion of the reservation would be refunded but the rental car portion could not be refunded. I have not received the airline portion of the refund and I strongly disagree with the failure to issue a refund for the car. This is a VERY deceptive practice by XXXX. 

The first five pages of the attachment are the receipt for the trip and the following pages are AmEx 's explanation why the refund can not be processed. I honestly don't believe a real person at AmEx reviewed this complaint. As stated above, I disagree with everything XXXX is doing. I won't be doing business with either of these companies in the future. I would truly like to see CFPB 's involvement in this deceptive practice and I look forward to receiving your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi My name Is XXXX. I have been a victim of fraud as I did authorize a lot of things being shown on my account. I have tried calling XXXX countless times as well as the credit card companies themselves and they just don't seem to get it. 

I was unaware as nothing was being send to my address. I don't know if a person was using my old information. All I know is I have been building my credit and it's saying I have all these Inquiry 's that I never did. I am unaware of. I never authorized. 

I am hoping that you guys can remove the following credit inquiry 's from my report as soon as possible as a courtesy as I am a victim. I have no problem proving who I am. I just want this fixed as you can understand it is hurting my credit. I have done nothing wrong. 

On XXXX It Is Saying I applied for XXXX/XXXX  on XX/XX/XXXX and XXXX/XXXX XXXX on XX/XX/XXXX both are fraud and I never signed or authorized anything. 

On Equifax It Is Saying I applied For XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX all of which I have no idea and did not authorize anyone to make any inquiry 's. I have never seen these cards. Someone Is/Was trying to steal my information. I have sent an attachment of all the inaccurate information that I can see on my report.