23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved notification from a collection company for a retail ( XXXX  ) account that I did open, apparently it says it was opened in XX/XX/XXXX, I DID NOT open any new account with XXXX. In XXXX of XXXX I enrolled in a debt relief program XXXX  XXXX and 7 accounts were enrolled at this time, i ended up paying off one ( XXXX ) in XX/XX/XXXX, which left 6 remaining accounts, 1 which was a XXXX account, different account number, opened years ago. My credit report showed a collection for ANOTHER 2nd XXXX account that does not being too me, I've never paid to a second account, I have XXXX statements from MY account and the account number is not the same, my account # is XXXX balance of {$1700.00}, I did not open a second account which I believe this is a fraudulent account/identity theft. At no time did I open a 2nd XXXX account. I put a dispute in with XXXX  and the collection agency, even the told me that is very unusual to have two accounts for the same store. I expressed to them I did open that account. The balance is over {$2200.00} account # XXXX, which I did not charge or open any additional accounts with XXXX since enrolling in the debt relief program in XX/XX/XXXX. I've been working very hard to get my credit scores back on the up rise since. I will attach any documents I have pertaining to this but again this is not my account nor my debt. I am attaching the collection information as well as MY ONLY XXXX ACCOUNT I HAVE AND IT'S ACCOUNT NUMBER. Thank you, Please assist.
Product: Credit card

I paid over what my monthly payment was on XX/XX/XXXX. On XX/XX/XXXX, I received an email from upgrade stating I was past due {$0.00}. I overpaid and paid {$1.00}. On XX/XX/XXXX, I received another email from upgrade stating I am 30 days past.due {$11.00}. I called upgrade on XX/XX/XXXX and a rep states I'm past due {$11.00}. The rep could not explain why or how I owed additional money when I had paid over what i owed for the month. The rep also couldn't explain the discrepancy as to why his system showed {$11.00} and the app I was logged into showed {$11.00}. In addition the screenshot i provided stated the {$11.00} was due XX/XX/XXXX. I do believe upgrade is continuing to use deceptive tactics and are retaliating against me regarding my complaint against them with the CFPB in XX/XX/XXXX. I don't not believe it is legal for a company to change the amount due after you've paid your bill for the cycle which is what they did. I received an email from upgrade on XX/XX/XXXX stating my payments were being increased due to a returned payment or claim that was denied. Neither of which occurred. XXXX is not abiding by the law and they are being extremely dishonest. I am asking the cfpb to further investigate prior to my seeking legal action.
Product: Vehicle loan or lease

I attempted to purchase a vehicle from XXXX XXXX XXXX XX/XX/XXXX. I had been off work for 7 months and just received a permenent position so my payment history was not good. I was asked to have my sister co-sign for me. I initially receieved word that her credit was good and I wopuld have no problems, then the dealership came back and said they would need more money from me. They structured the loan not as having my suster as a co-signer but as the lead on the loan and me as the co-borrower, thus driving up the interest rate on the loan. They got the loan approved with Santander Bank at 19.28 % interest. There was a lot of deception on the part of the dealer, they over charged for services I did not ask for : {$1700.00} Service Contract, {$750.00} Gap Insurance, {$500.00} Random Dealer Fee and {$350.00} for a Pinstripe that was never requested and never installed. I fought for over a year to have the funds refunded and finally fgot the dealer to refund the total {$3300.00} for the over-charge. The dealer sent a check to Santander Bank on XX/XX/XXXX. The check was applied XX/XX/XXXX. I called in prior to the heck being sent and was told that I could apply part of the refund to my payments to get me caught up. I called in XX/XX/XXXX and was told although all debt goes to the principal, I can not credt anythign to my past due payments. 

I was the one who fought for the refund and I should be able to use the funds to pay fopr my vehcile payments and get caught up. They are charging me late fees on top of the exhorbitant interest rate of 19.28 % and our talking about repossesing my vehicle.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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 the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, XXXX or XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. 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 seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 XXXX 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 a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$41000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Debt collection

IDS ( Improved Data Services ) contacted me via telephone. When I called them back they reported that they have attempted to contact me via mail to an address that I haven't lived at for three years. I don't know if the debt is accurate because they have the wrong information.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, 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: Money transfer, virtual currency, or money service

My data can get took anytime any day I heard I use this everyday Im scared something might happen or it mightve already I had some problems honestly
Product: Debt collection

the same original creditor " XXXX " reinsert the same collection with a different Agency " National recovery agency '' with out a 5 day reinsert notice via mail which is a violation please remove. 

Please validate this debt or remove it
Product: Credit reporting or other personal consumer reports

Experian the balance updated is XXXX XXXX XXXX the balance updated is XXXX XXXX. XXXX the balance updated is XXXX XXXX. These are inaccuracies. 

Experian, Experian and XXXX do not contain last payment date. These are inaccuracies. 

Experian has account type as debt buyer. XXXX has account type as an open account. XXXX has account type as an open account. These are inaccuracies. 

Experian has status as collection account. XXXX does not have anything listed for status. XXXX does not have anything listed for status. These are inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to CFPB complaints XXXX and XXXX. Equifax responded on XXXX, stating it would take 60 days for the debt collector to respond. 

This is not correct. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you within 30 days, and if they fail in that, the disputed item is required to be removed. 

Eqfuifax is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting that I am ( 30 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has since been paid in full. I was charged {$2.00} in interest AFTER the account had been closed. This charging of interest after the account was closed is ridiculous. These lates reporting are seriously harming my credit score and these lates need to be removed from my credit report. I have attached a copy of my XXXX statement for XXXX showing the account was closed and I have also attached a copy of the XXXX XXXX statement which shows the interest of {$2.00} being charged. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. Again, please remove these lates that are reporting.
Product: Credit card or prepaid card

I'm writing to dispute the rebill amount of {$1000.00} as of XX/XX/2018 that has already been settled with the merchant. Until providing proof in writing of the Bill of Sale and Authorization for this unauthorized charge in 5 business days this charge is consider determined to be Void. As consumer will NOT BE HELD RESPONSIBLE for any mistakes from the Creditors or the Merchant. According to ( FCBA ) Fair Credit Billing Act, it is mandatory to comply with the disputed requested submit in a timely manner of 5 business days. Failed to comply will be determined as void, as I already bring this matter to the Federal Trade Commision and Consumer Finance Protection Bureau in regards to this unauthorized rebill charged. The dispute in favor of consumer request to the creditor is mandatory to comply by 304. Disclosure of fair credit billing rights, 305. Disclosure of billing contacts, 306. Billing practices, 161. Correction of billing errors, 162. Regulation of credit reports, 168. Prohibition of tie-in services, 170. Rights of credit card customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is publishing information on my consumer report that should be excluded pursuant to 15 USC 15 USC 1681a ( d ) ( 2 ) ( B ).
Product: Money transfer, virtual currency, or money service

On XX/XX/10 I was approached to sell a item on XXXX XXXX. We currently are struggling with XXXX XXXX Healthcare bills so I was anxious to sell. I stated I accepted payment on XXXX, and they requested 3x to use XXXX I looked into it and felt safe because my bank offered it as a way to send money. I set it up and received an email that had BMO Harris and XXXX on it. I had the person interested in the purchase accuse me of trying to get additional funds and stated he was to send XXXX to me. 
I said no, just send what is needed. Then I get an email stating I needed to proove the account was activated by sendind XXXX to the seller. Thus that would finish the transaction. I sent XXXX because I said that is all that was due back. In the meantime... I never got my money. But the scammer still had an active email chat with me and when I asked, I was told I still needed to send the XXXX and he was going to complain to XXXX that I was fraud. So I sent XXXX dollars. I immediately get a second mail sail the transaction did not go through and to send {$350.00}. I immediately called the bank who said they could not get the transaction reversed. So I reported through XXXX nothing. I tried the bank again who said the transaction was processed through XXXX XXXX  and XXXX refused to give the refund saying I approved the transaction. I knew it didn't feel right. But again, I am selling items to make some money and felt it was safe if I was doing the transaction with my bank
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX and 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

In accordance with the Fair Credit Reporting act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX 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 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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: Mortgage

The statue of limitations has expired for the outstanding HELOC with 5/3rd, but they are not going to provide me with a lien release.
Product: Credit reporting or other personal consumer reports

I have been looking at my credit report in order to be able to purchase a home and noticed a company I have never done business with reporting a collection.. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am entitled to request and receive verifiable proof of any debt you are attempting to collect, including a detailed accounting of the debt, the original creditors name, and a copy of the original contract or agreement. 

Please provide the following within XXXX days of receiving this letter : -Verification of the Debt : Proof that this debt belongs to me, including the name of the original creditor and any documentation, such as the original contract or agreement, showing my obligation to pay. 
-Itemization of the Debt : A complete breakdown of all fees, interest, and charges that make up the total debt you are attempting to collect. 
-Proof of Your Authority to Collect : Documentation that shows Receivable Management Services has the legal right to collect on this debt.

As per FDCPA Section 809 ( b ), you are required to cease all collection activities, including reporting this debt to credit reporting agencies, until you provide this validation. If you fail to provide this documentation within XXXX days, I expect that you will : - Cease all further collection activities. 
- Remove any negative entries from my credit report related to this debt. 

Additionally, the FDCPA imposes strict regulations on your conduct as a debt collector. In particular : -Failure to Validate : If you do not validate the debt within XXXX days, continuing any collection activity will be a violation of the FDCPA, which subjects you to penalties. You could be liable for damages, attorneys fees, and statutory penalties up to {$1000.00} for each violation under FDCPA Section 813 ( 15 U.S. Code 1692k ). 

Accurate Reporting : If the debt is not verified and continues to be reported negatively on my credit report, this could also be considered a violation of the Fair Credit Reporting Act ( FCRA ), which carries additional penalties. 

Please note that any further communication regarding this matter must be in writing. If validation is not provided, I will report your actions to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), and I will pursue all legal remedies available to protect my rights. 

I think XXXX days should be enough time otherwise I will move forward with arbitration against this company.
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 federal protected consumer rights and privacy and confidentiality, under 15USC 1681. 
Account name : XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX 15 U. S. C 1681 SECTION 602 A. States I have a right to privacy.

15 U. S. C 1681 SECTION 602 A. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C 1681c. ( a ) ( 5 ) SECTION 6 A Section 2 : It also states a consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of had reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I contacted Ally Financial on XXXX/XXXX/XXXX about the fact they were reporting ( 2 ) 30 day lates on my XXXX and XXXX Report dated XXXX and XXXX yet they were reporting XXXX 30 day late on my XXXX Report dated XXXX. I never had a 30 day late on the account from XXXX when opened until XXXX when traded and paid off. I was told by Ally that it would take them XXXX 5 days to get it corrected. I called them back on XXXX/XXXX/XXXX and they stated I was told incorrectly and that it would take at least 30 days to get a response. They changed the XXXX Bureau on XXXX/XXXX/XXXX to reflect XXXX late payment in XXXX but under status it still showed ( XXXX ) 30 day lates plus they updated the XXXX to XXXX so it brought my score down and they are still reporting it incorrectly. I contacted them again today and was told it would take another 30 days to look into it but that I did have ( XXXX ) 30 day lates in XXXX and XXXX I had all of my notes, dates when I called in and bank statements and the lady stated that the account was in a deferment in XXXX and that it was deferred in XXXX yet I made a payment on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. They said they did not have a record of where they changed the due date on the account at any point and the contract due date was the XXXX yet they mailed me a confirmation that it was changed to the XXXX of each month. They stated they did not have access to my XXXX/XXXX/XXXX phone conversation. Basically they are reporting erroneous information on all XXXX bureaus and they want me to wait another 30 days for them to correct it despite telling them i was in the process of trying to save our home and refinance it and they keep getting the information more messed up. I want all the late 's removed from all XXXX credit bureau files immediately and for the bureaus to reflect paid as agreed and never late as it should. I should n't be penalized for there errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

They're reporting me as late even though I'm not so please look at the attached documents for further information regarding this.