23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I went into XXXX XXXX ER, I needed gauges and was told to come back onXX/XX/2018 to have the dressing changed and that there would not be any additional charges because it was associated with the original visit on XX/XX/2018. When I went to get the dressing changed on XX/XX/2018 all I did was sign in. They didn't collect a copay or have me sign any other paperwork, because as I was advised it was associated to the first visit. I started receiving collection letters from XXXX and I advised that this debt is not owed. I advised the debt was in dispute. They put in dispute for 45 days, then sent me a generic collection letter saying that they have validated. I called them and asked how did they validate? Where was the paperwork proving I owe and the debt was validated? I was told that I must validate my own debt. I called back and got a new rep that put the account back in dispute, and today I get another generic letter from them saying they have questions for me. When I called them, they said send them something from XXXX that says I don't owe. I told them to send validation that says I do, because they have yet to prove it. I was advised there are no documents form XX/XX/18 and no signature from the doctor.
Product: Credit reporting or other personal consumer reports

Incorrect social security spoke to company and they confirmed Also on the Experian website wrong social security
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are purposely trying to lowering my credit rating by having the same alleged debt listed twice on my consumer report furthermore I have no obligation under federal law to pay a debt collector until a judgment is issued by a court. This collection has not been filed in any court jurisdiction and the only reason the consumer agencies are reporting this information is because they are paid then they make profits from selling this information to various other third parties. This is illegal because their service is one that is not required and they need written or expressed consent which I have not given. This is a legal notice to remove this collection or I will sue under FCRA and file arbitration based on the service agreement.
Product: Debt collection

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS Portfolio Recovery Associates LLC case # : XXXXand filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Vehicle loan or lease

I have XXXX car loans with XXXX XXXX Bridgecrest. I have requested more than once, for full amortizations on my loans as they are not applying the same amount towards interest or principal. This is month after month and has gone on for over a year. XXXX seeing different amounts each month on all XXXX vehicles and its never the same. Ive asked for documentation and am sent the contract. They have failed to send a full amortization on any vehicles and need to for all XXXX. This is deceptive buisness practice and violates law as well as my consumer rights.
Product: Credit reporting or other personal consumer reports

Transunion and US DEPARTMENT OF EDUCATION continues to willfully neglect and be willfully non compliant with removing my non public personal information from my Consumer Files They are in violation of FCRA privacy laws 1681a2, 1681b 2, 1681 ( 4 ), Family Educational Rights and Privacy Act, and the Privacy Act of 1974 20 USC 1232g 34 CFR 99 5 USC 552a Reaging is an illegal act due to FCRA 623 ( 5 ) ( A ) Also in violation of 18USC 1028 Also Transactions and experiences are excluded from Consumer Files without the Natural Person Consumer written permissible purpose These inaccurate unauthorized fraudulent identity theft are preventing my personal and business credit growth : Us Department of ED Account # s XXXX & XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit report as provided under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The information related to these accounts has been compromised, and I do not want these fraudulent entries to impact my credit history. 
Below is a list of the accounts that should be blocked and deleted from my credit file : Accounts : XXXX. XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$840.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$480.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XX/XX/year>, Opened account with M & T Bank. 
XX/XX/year> Transfered money from another account I have and they flagged it for fraud. 
I sent documentation that it was me that performed the transaction. 
Called the bank teller I worked with, she informed the bank was going to 'end the relationship '. 
l even sent in a notarized letter first week of XXXX requesting to jist close the account. 
I have not received the money thay was/in the account back. 
I would like my money returned to me {$2400.00}.
Product: Checking or savings account

Bank of America stealing my money again Debit card no. XXXX XXXX XXXX XXXX a Debit XXXX XXXX DUPLICATE DEBIT XXXX The headquarters of XXXX XXXX, the company that issues XXXX XXXX, is located in XXXX XXXXXXXX XXXX. XXXXXXXX XXXX regional headquarters for XXXX XXXX and the XXXX is located at XXXX XXXX XXXX XXXX XXXX Bank of America 's headquarters are located at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Bank of America launched the first consumer credit card program in the United States in XXXX, which later became XXXX in XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer. Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

AXCSSFN/CNGO- Unsecured Loan with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. Not AUTHORIZED NO PERIMISSIBLE PURPOSE OR OTHER REASON, to send my private information to anyone. 15 USC 1681 I 1A,15 USC 6801, 15 USC 6802, USC 1681 ( e ) ( b ), 15 USC 1666B. These law has been violated. This company has not given me anything and is still break the law. I HAVE A RIGHT TO PRIVACY..
Product: Credit card

We disputed and item on our credit card with Capitol One. The rental of an auto. We provided documentation that showed the charges, however Capitol one has stated that the are correct and want to charge us for the bill.
Product: Credit reporting or other personal consumer reports

Reason : Violation of 15 USC 1681b ( e ) ( 6 ) Your company is in VIOLATION of 1681b ( e ) ( 6 ). ALL CRAs must maintain a joint notification system. I do believe that his subsection was put intact to maintain MAXIMUM and proper accuracy amongst consumer reporting agencies. These accounts and information being reported does not match the other consumer reporting agencies. This means your company has failed to keep a joint notification system. WHICH NOW PLACES YOU IN VIOLATION. REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY. 

Also, I, never gave any bureaus any verbal or written consent to report anything in my consumer report. No consent is identity theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 

THIS IS IDENTITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUCTION TO REPORT THESE ACCOUNTS LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECEIVED MY INFORMATION FROM A SECNODARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENTITY THEFT AND I DEMAND THESE ACCOUNTS TO BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATABASE. IM EXERCISING MY RIGHTS. 

As a consumer, I am demanding a deletion of the following accounts : XXXX. XXXX  XXXX The date of the last activity does not match which is a sign that the account has been re-aged. This is a violation. 
Please delete this from my consumer report.
Product: Credit card or prepaid card

I received a call from the CC Company " Fraud Dept. '' ( official phone # ) in XXXX asking if purchases in Florida were made by me. I said NO! As I was speaking with the 'fraud agent ' I went online to their portal and saw that there were no charges on the account. He ( fraud agent ) informed that they hadn't shown up yet and would be declined. He ( fraud agent ) said a new access code would be sent to me, to tear up the existing card and another would be sent within a week. I didn't tear up the card. And, NO card came. So, I tried to access the portal but was locked out. When I spoke with customer service ( same official tel # as 'fraud ' ) they said my email address, my tel # ( all I've had over 10 years ) had been changed. Each call to this CC company is recorded. I asked that they replay the calls and find out when the " changes '' took place and call me back. They said they would not do this since the number I was calling from was not on the account. They have no security questions nor use an authenticator app. I said look at your records before XXXX and you will see since I've had this CC it is has always and still is the same email, tel, mailing address and that all I want to do now is pay off the card and close the account. They refused. They said the 'fraud department ' would get on the line. I asked the customer service rep to stay on the line and call me back if we were to get cut off, ( since the calls are recorded ), which she did. The 'fraud agent ' came online and I told him that the customer service agent was on the line and asked if I could record the call. The 'fraud agent ' hung up. The customer service agent called back and left a voice msg ( which I still have ) saying that she checked the 'fraud department ' personnel and there was no one working there by the name of the supposed 'agent '. Now I am being told I have to give private confidential documents to the 'fraud department ' in order to access their portal. I was told that my # is NOT associated with the account since XXXX. Yet, on XX/XX/XXXX I received a text from a XXXX area code ( where this CC company has a call center listed ) asking if I had made a charge to a XXXX. I said NO! I just want too pay this off and close it out but I do NOT trust their XXXXfraud department ' is NOT compromised! HELP!!!!???
Product: Credit card or prepaid card

Background : Have had a long history of on-time / full payments on my credit card with Chase. Have autopay set up through Chase, such that they pull out the full balance/any payment required each month.

... ... ....

Due to COVID-19, stay-at-home orders, and the general reduction in travel, I had received cancellations and merchant refunds due to travel ( e.g. hotel reservations, race registration fees ) and other cancellations ( e.g. home mortgage appraisal, elective medical testing ). While I still used my card as normal for everyday purchases ( e.g. coffee, grocery, etc. ) - the size of these refunds resulted in a *net credit in my account* for a few months. Chase also didn't transfer the credit back to my bank account but kept it as a negative value as outstanding transactions. 
... ... .... 
I assumed the credit / autopay would be fine with keeping the card in good standing, but then Chase cancelled it. The reason for the cancellation was that payments weren't made, even though 1 ] Merchant credits more than accounted for the charges and 2 ] I had Chase 's autopay system set up ... which didn't draw any payments and then penalized myself for using this system.

... ... ....

I called Chase to learn more and resolve - while most of the reps/managers on the phone could empathize with the situation and agree it doesn't make intuitive sense, there was nothing that could be undone re : the account closure. I had asked to either a ) reopen the account or b ) refund the a pro-rated version of the card 's annual which was charged just 2 months earlier. Unfortunately, there were  unable to open the card given it was " a bank closure and out of my hands '' and I was still charged a full year 's annual fee even though Chase didn't allow me to use the card for the year.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA segment 605, you are required to destroy all records captured on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX XXXXXX/XX/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

See attatched Credit Report USAA account XXXX date opened XX/XX/XXXX reported XX/XX/XXXX. My records do Not show I Applied & Authorized this Account. Please send My Original Written Signature to Verify I Applied & Authorized this debt or Remove IMMEADETLY.
Product: Vehicle loan or lease

In 2016, I was in a XXXX XXXX XXXX, due to my mental health issues being exasperated by my mother in law being diagnosed with XXXX XXXX XXXX, as well as my father having a XXXX. My XXXX XXXX  became uncontrollable. During that time, I would rapidly apply for several bad loans, along with maxing out my credit cards. Despite my poor credit situation and massive debt, I apply for a used XXXX XXXX valued at over {$24000.00}. I knew that my chances of being approved were slim to none, but to my surprise, I was advised that one lender did approve me ; it was Ally Bank. I made my way down to the dealership, and when I submitted my income statements, along with an offer to trade in my car and put {$1000.00} down, the Ally rep stated she could not approve the loan, due to my income and down payment. The sales rep continued to submit my credit information to other lenders while pressuring the Ally rep to approve my application. The terms of the loan required that I make payments of {$600.00} a month on the loan. The APR on the loan was astronomical, and over {$200.00} of my monthly payments would go to interest along. When my income of less than {$40000.00} was factored in along with my debt current debt, and cost of living, every other financial institution knew that approving me would end badly, but not Ally. The two sales reps were able to pressure the Ally underwriter to approve me by convincing me to come up with another {$1000.00} for the downpayment. I had to take out a payday loan just to get the money which only made the situation worse. I would call Ally several times to try and have the loan payments reduced, only to be told that I was not eligible and to call back after a year. The car would be repossessed in less than a year, and now I'm left with a {$12000.00} debt and debt collection threats Because of the dealership, and Ally 's decision on that day, I would end up falling into financial ruin, and now facing bankruptcy. Ally bank should have known that my take-home income of {$1000.00} every two weeks would not have been enough to pay a {$600.00} car payment a month. I even told the sales reps that I was looking to have a car payment of about {$300.00}. They proceeded to add additional " warranties '' that increased my loan amount as well, and now Ally wants to sue me for a mistake they made that ruined my life. Despite being found guilty of taking advantage of people of XXXX with predatory loans. Ally continues to practice the same. Please take action to prevent this from happening to others.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My husband bought a {$10000.00} CD from Utah XXXX XXXX XXXX in XXXX. It has been in our safe deposit box. He died XX/XX/XXXX. He told me to get everything out of box when he passed. XXXX XXXX merged with Chase Manhattan. I called them to cash it. They said they couldn't find it in their files. They told me to check with unclaimed property. Nothing there. I want this found and {$10000.00} plus the interest it has been accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

REGIONAL ACCEPTNACE CORP has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.
Product: Checking or savings account

On XXXX I had to get bank statements for XXXX. My mother trying to get into a XXXX XXXX  They were statements for XXXX XXXX XXXX Totaled 53 pages Truist bank charged the account 3 times for Research charge on XXXX One for {$240.00} One for {$140.00} one for {$120.00} Total {$500.00} I think this is extreme for a XXXX XXXX XXXXXXXX XXXX XXXX  I think that is totally taking advantage Please help Fixed income
Product: Consumer Loan

For years Toyota finance has reported a late payment on my former account that never occurred. I have attempted to address it directly with them and through the credit bureaus, but the matter has not been resolved.
Product: Debt collection

In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt from Discover for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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