23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report XXXX opened XXXX XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$4700.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my Experian report there are 10 late payments being reported. 
XXXX XXXX  opened on XX/XX/XXXX and a balance of {$850.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my Experian report there are XXXX late payments being reported. 
XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX Installment with account opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$240.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX and a balance of {$820.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally sent this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Checking or savings account

Capital One experienced technical issues with direct deposits as early as XX/XX/XXXX. I have yet to receive my direct deposit from my employer as of XX/XX/XXXX. Its been three days of them trying to resolve the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Collection, Account number XXXX Collection, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX XXXX XXXX XXXX, Account number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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

I have a few accounts on my credit reports that belong to a company and not me personally as an employee. Seems the reporting Agency is reporting them to my personal credit report as a charge off. These loans never showed up on my credit before but now a charge off is there after years. 

I seem to also have a XXXX account and a couple XXXX   XXXX credit cards that I never opened or knew about. I think they were opened by my dad who I havent seen since 1983 when he left me at XXXX years old to never see him again. He has the same name as I do. 

Lastly I have a XXXX utility bill That was in my Exs name. Even though I didnt live at the home with her while the costs were ran up The utility says since she listed me as there it means I am responseable for it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX Account XXXX account # beginning in XXXX, and 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 without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any of the following items of information.Any other averse 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

I received a letter from the UNITED STATES BANKRUPTCY COURT FOR THE EASTERN DISTRICT OF VIRGINIA OFFICE OF THE CLERK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE BANKRUPTCY CLERK STATETED IN THE LETTER THEY DO NOT VERIFY INFORMATION WITH CREDIT REPORTING AGENCIES. ALSO, THEY DO NOT REPORT INFORMTION TO CREDIT REPORTING AGENCIES OR LEXIS NEXIS. SO HOW WAS THIS ACCOUNT VERIFIED???? 

NAME : XXXX XXXX XXXX : # XXXX ADRESS : XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX *DELETE THE XXXX  XXXX BANKRUPTCY FROM THE EASTERN DISTRICT OF VIRGINIA  THATS BEING REPORTD ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, as well as millions of others, putting myself at risk for identity theft. I am listed as a potential victim on their site, equifaxsecurity2017.com.
They did not notify anyone until months after the breach, and they are not contacting the people whose information was leaked, instead they require the victims to check if their information was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Credit Acceptance various times to notify them that their inaccurate reporting is making it strenuous on credit reporting agencies to follow there duty of reporting accurate information on consumer credit files but being that the alleged creditor is responsible for submitting the correct information in metro 2 format so that the credit agencies have the same information to work from. The account balance and past due balance is wrong on XXXX and XXXX causing my debt to credit ratio to negatively effect my credit score.on XXXX this alleged account shows {$0.00} received payment but shows an alleged last payment date and the account being paid in full I attached a recent dispute I wrote but to Credit acceptance about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My email got hacked and my SSN was stolen on XX/XX/23. The identity thief set up an experian account in my name. I was able to lock my credit with the other 2 credit bureaus, but when I tried to create an account with experian, it said an account already existed with my SSN. I realized they set it up while they had access to my email, so that I wouldnt be able to lock my credit. I tried to reset the password, but it asked me 2 security questions. Since the thief set up the account, I obviously couldnt answer them. I called customer support and the best they could offer was a 72 hour lock on my account. They said to call back, but I have been unable to get through to a real person. This has allowed the person to open credit cards in my name. I even got an email telling me how easy it is to give XXXX XXXX the identity thief expanded permissions on the card he opened in my name, as he added himself as an authorized user. I am including a screenshot of the experian account creation email and the email from XXXX XXXX I just want to be able to get control of the account or get it shut down so I can create one. I am more than happy to provide whatever proof of identity is required to prove I am who I say I am.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX  -- {$0.00}
Product: Debt collection

In XXXX of XXXX I took a medical leave of absence from my job. Knowing this would involve several months as an outpatient, my physician and I were careful to select a reputable IN XXXX XXXX - XXXX XXXX XXXX XXXX. At the time, I was fortunate enough to have top-of-the line insurance through my employer. This gave me many options for treatment while staying completely IN XXXX 

For over 2 months I attended daily sessions at XXXX XXXX, billed to insurance. I completed the program and life moved on. 

Fast-forward to XX/XX/XXXX, when I pulled my credit to find 2 collections from CMRE Financial reporting to both my XXXX and XXXX reports. CMRE lists XXXX XXXX as the Original Creditor on this debt, which makes no sense. Not only did I select XXXX XXXX precisely because of its in-network status, but I was ON SITE DAILY, ambulatory, talking to staff, actively engaged in my own treatment planning. No bill was mentioned then, or since ( I have lived at the same address for XXXX years ). 

I was annoyed but thought it would be no big deal to clear this up. Thus began a several months-long odyssey of disputing, writing CMRE, calling my former insurer, etc., all to learn NOT A SINGLE THING about a debt that has apparently been affecting my credit for over 4 years. So far I have : >Disputed to XXXX and XXXX ( XX/XX/XXXX, see attached ) >XXXX verified both items.. XXXX verified one. ( XX/XX/XXXX & XX/XX/XXXX. No explanation. ) >Mailed letter directly to CMRE Financial requesting information ( XX/XX/XXXX, see attached. No response ) >Re-disputed the CMRE entries to both bureaus, attaching my aforementioned validation letter to CMRE. ( XX/XX/XXXX ) >XXXX  and XXXX promptly verified these items yet again. ( HOW IS EVERYONE BUT ME, THE ALLEGED DEBTOR, ABLE TO VERIFY THIS DEBT?!? ) >Finally, XXXX XXXX I called my former insurance company even though it has been XXXX years since I lost my policy with them after being laid off. Unsurprisingly, they don't keep old records around pertaining to previous members. 

TO THIS DAY I HAVE NOT HEARD ONE WORD FROM CMRE FINANCIAL. And the kicker? This company I had never heard of, much less entered into an agreement with IS CHARGING INTEREST ON DEBTS THEY HAVE NEVER COMMUNICATED I OWE!!! The original mystery bills of {$320.00} and {$470.00} have now ballooned to {$430.00} and {$630.00}, respectively. 

It pains me to think of the thousands of Californians they have extorted by parking unsubstantiated debts on credit reports.adding interest and just waiting for their victims to apply for a loan. Shame on them.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2021, I signed a contract with XXXX XXXX XXXX ( XXXX ) for solar panels. XXXX said that they had their own loan company that they worked with and that they could get me qualified that afternoon. ( It was XXXX. ) Before the salesman left that day, I had a loan for {$47000.00} for a solar electrical system with Sunlight Financial, who passed it onto XXXX XXXX. ( I thought that this was odd. ) XXXX XXXX  later, XXXX came out and attached panels to my roof, all the time poking holes in my foam roof membrane, by setting the panels down on their edges and walking on hardware that they had scattered across the roof. After several bouts of trying to get XXXX out to fix my leaking roof, I called Addition Financial to see if they could put any pressure on XXXX. The contract that I had said that XXXX would be paid 30 % at signing, 60 % at installation and 10 % on completion. I was told that XXXX had already been paid and that they were not able to help me. I have since had to file a complaint with the XXXX and it has been determined that XXXX XXXX had not only had abandoned the job but that the XXXX  XXXX  that XXXX used to patch my foam roof necessitates replacing my whole roof. I have no panels installed on my roof, after XXXX XXXX years of leaking and now XXXX has gone out of business. And now I read that Sunlight Financial has filed Chapter XXXX. I have been on the phone for hours this week talking to people at Sunlight and Addition and all I have been able to find out is that an account representative has been assigned to my case and that I will be hearing from them shortly. I have not.
Product: Bank account or service

I currently work for XXXX and have an HSA account through HSA Bank. I earned health incentives in XX/XX/XXXX. One of the services was performed on XX/XX/XXXX However, HSA Bank did not deposit the incentive into my account until XX/XX/XXXX. I understand it is XXXX 's policy that incentives deposited in XX/XX/XXXX are put towards your XX/XX/XXXX contribution ; but I do n't believe it is fair when other co-workers of mine had doctor 's appointments in XX/XX/XXXX and had their incentives deposited in XX/XX/XXXX towards their XX/XX/XXXX contribution. I think that if you earned something in XX/XX/XXXX, it should be deposited towards your XX/XX/XXXX or else you could be left with a tax burden if you no longer work with the Bank in XX/XX/XXXX.
Product: Credit reporting

On  XXXX   XXXX  I submitted a dispute to all   XXXX   CRAs. I have received the results from   XXXX   and Equifax, but not  XXXX . However, I have credit monitoring service and it shows where the account was updated. They have updated the account so that the charge-off appeared more recent than it originally was and they also have it listed as a revolving account. This caused my score to drop by many points. I never received proper validation of this account. I sent to the CRAs a copy of the order that I won my lawsuit against   XXXX   XXXX    of Delaw ar e in Court. Each report is reporting a different date that the account is open, the h ighest balance is different on each CR, Additionally, it seems as if they added late payments in after the closed date . Dispite pr oviding each CRAs, with documentation to support my claims, they never completed a full investigation and they never forwarded documentation to me to validate this debt.   XXXX   XXXX    has constantly failed to provide me with this information, and now I am being further victimized with a huge drop in my credit score.I have attached evidence of everything below.
Product: Credit reporting or other personal consumer reports

XXXX XXXX dealership- I went in to trade a car and XXXX seem to add a few payment history that I did not consent to be used for reporting purpose, that also repo my car while I was at work. Which I advised them prior, that I'm going through hardship with being hospitalized a month before. I had to borrow money for other folk to get the car out of repo in order to continue work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency continues to report this closed account.The account was paid and closed several years ago. This action is causing a tremendous damage to my personal credit with continuously reporting an account that was paid as agreed and closed years ago. It would assist me tremendously if you could make an adjustment and remove this negative payments and reporting entry from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.
Product: Checking or savings account

I spoke to citizens bank on the phone and contacted them to close my checking account. I do not have access to this checking account because they locked me out of it and I can't even reset the password to the account. I was told my account is being closed but I just received an overdraft notice on an account that should have been closed months ago.
Product: Consumer Loan

I purchased a car from Ray Skillman Westside Auto in XXXX, IN on XX/XX/2017. The finance person named XXXX XXXX, tried to lie to me about having to take warranties in order to get auto financing. Later on that day I called another Ray Skillman location in XXXX and they informed me that information was not true that all the warranties are optional and up to the customer. I called on XX/XX/XXXX and talked to XXXX in finance. She told me to come back in and she would re-do my loan I drove an hour and a half there for XXXX to tell me she could not help me and to call XXXX on XX/XX/XXXX. On XX/XX/XXXX I talked to the manager there XXXX XXXX and he still did not want to provide me a resolution to the problem. I called XXXX XXXX and they told me the loan had no been financed yet and th dealship just needed to call to put it on hold until a new loan application could be done. I called XXXX back and he assured me he would contact XXXX and put the app on hold. He did not do this. So I drive another hour and half on XX/XX/XXXX and when I get there XXXX tries to tell me he ca n't help me because the loan was processed this afternoon. I had to tell him that his manager XXXX assumed me I would not be driving 3 hours round trip for someone to tell me they can not help me again. XXXX then called XXXX and they told him to process a new loan app. Then XXXX again still tries to make me take out an anti theft warranty and tells me it automatically comes with the car. I said no it does not because I have called your other locations and your manager XXXX XXXX and they all say its optional. I told him to go talk to XXXX. He comes back in the office and says to me well we normally do n't do this but since you are friends with the sale rep we wo n't charge you for the anti theft warranty. He then processed the loan as I ask just the car and no warranties. I took an additional 6 hours of my time to get them to give me any help. I owe them {$200.00} on a down payment, and I think they should be held responsible for the time and gas I spent coming back when they refused to assist me and because I was given false information by XXXX. XXXX XXXX tried to lie and fraud me out of XXXX for a anti theft warranty that was optional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOO INACCURATE INFORMATION ON ALL OF MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

FIRST LETTER SENT XX/XX/2022 SECOND ATTEMPT SENT XX/XX/2022
Product: Checking or savings account

I was charged several times for not having enough money to cover a charge I transferred it from my savings and I was still charged the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX  Account - XXXXXXXX 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.
Product: Checking or savings account

Wells Fargo charged me excessive overdraft fees. The excessive fees interfered with my daily living. I am on a fixed income as a XXXX veteran. The fees caused financial strain on me and my children. 
My auto loan with them was also charged an interest rate higher than market rates at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello.
I applied for a refi with XXXX XXXX, who sent me factors on my credit report.
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They were : 38. You have a serious delinquency and public record or collection filed and on your credit report.
I filed bankruptcy 5 years ago ; in XXXX 2019 it will be dropped. THIS IS TRUE.
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18. Too many delinquent accounts. I HAVE NO DELINQUENT ACCOUNTS. My credit score is XXXX ( rated Good ) and show NO delinquient accounts. THEY WILL NOT FIX THIS.
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14. Length of account history is too short. MY ACCOUNT HISTORY IS FIVE YEARS OLD! THAT IS NOT SHORT. THEY WILL NOT FIX THIS.
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10. Balances are too high on your banking revolving or all credit history accounts. I HAVE ONLY TWO  CREDIT ACCOUNTS WITH VERY LOW BA : LANCES, IF NOT XXXX. THEY WILL NOT FIX THIS.
Product: Debt collection

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX XXXX   {$730.00} ( shown as {$740.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX XXXXXXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up. I have not been able to get help from them for months. they locked my money in my account for months that i bet they are colecting intrest from! My email linked to my PayPal is XXXX XXXX