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

I turned a XXXX XXXX XXXX in early ( 6 months prior to end of term)XXXX XXXX XXXX instructed me to bring the car to a dealer and I would be billed. Under CA law I was told I would be liable for the remaining payments, disposition fee and wear and tear. I turned the car into a local dealer on XX/XX/XXXX. IN XX/XX/XXXX I  recieved a bill for $XXXX with a due date of XX/XX/XXXX. IN XXXX XXXX said I could have an additional 30 days to make the payment if I wantedIn XX/XX/XXXX I made the payment to XXXX in full. Several days after the payment was made I I received a credit alert that my score had dropped, and the culprit was a "late payment" reported by XXXX for XX/XX/XXXX. The XX/XX/XXXX payment wasnt made because the car was turned in and my instx from XXXX   were to wait for a final bill. disputed the late payment with all 3 bureaus and the result was that XXXX   removed the XX/XX/XXXX late payment and changed it to an XX/XX/XXXX late payment. I have not been able to resolve this with XXXX and after disputing with experian all I got was a chnage of a late payment from XX/XX/XXXX toXX/XX/XXXX. I have never missed a payment in my life and on my report it is the only late payment out of a total of over XXXX reported payments. At this point I dont know what to do and I understand this inaccurate blemish will stay with me for 7 years
Product: Debt collection

The said company has sent a " signature '' apparently of myself with a orthodontists office which is in question. 

The complaint is that I owe NO money to RRS. I am asking for proof that we have a signed contract together and that I owe them money. 

To date, they have not shown me such document ( s ).
Product: Credit card or prepaid card

XXXX Date Outcome XXXX Fraudulent purchase at XXXX XXXX Fraud dispute credit XXXX Fraud dispute reopened {$970.00} charged again to acct. 
Mem. weekend. Call BOA. Unable to contact fraud dept. because of memorial day XXXX Contact fraud dept to dispute fraud charge reinstatement XXXX '' Fraud dept. will call you back '' XXXX '' Fraud dept. is def. going to call you back '' XXXX '' You will hear from fraud dept. within the next few days via mail or online banking '' XXXX Claim denied letter received XXXX Message left w XXXX XXXX, claims investigator responsible for denying " second '' claim : No new information presented justifying 2nd denial. Awaiting callback. 
XXXX No call back received XXXX Called back and spoke to fraud supervisor. She asks me to submit police report to XXXX. Please include CC # XXXX Police Report and letter faxed to Bank of America fraud center XXXX BOA rejects fraud claim again by message center XXXX Sent letter to BOA again refuting denied claim XXXX XXXX, XXXX Bank of America : Please find attached a police report for the fraud claim on my credit card account # for a fraudulent charge of {$970.00} received on XXXX/XXXX/XXXX from XXXX XXXX. This police report was requested by a supervisor in the Fraud Department on XXXX/XXXX/XXXX. In addition to the attached report, please take into consideration my unique-in-the-world first and last name, publicly available address, publicly available phone number, and publicly available email. Using this publicly available data as evidence in dismissing a fraud claim is highly problematic for individuals like myself with public profiles and uncommon names. 
Please continue your investigation of this crime and refund my account in the amount of {$970.00}. You may confirm the receipt of these materials to me at my disclosed home address, phone, or email. 

Thank you for your time, XXXX XXXX, XXXX Bank of America : I am writing again in regard to the fraud claim on my credit card account # for a fraudulent charge of {$970.00} received on XXXX/XXXX/XXXX from XXXX XXXX. I am very disappointed that you are unable to resolve this claim in my favor. I repeat my concern that you have based the validity of this charge on publicly-available information such as address, email, and phone number. I am especially concerned that your investigator also disregarded the fact that my last name was spelled wrong on the supplementary documentation submitted to you by this online ticketing agency. It is unbelievable to think the retailer submitted anything but the original name input made by whomever committed this fraud and equally unbelievable to claim I go around spelling my name incorrectly as. I am also highly disappointed that I only learned of this fact after nearly six months of calling your office during my last conversation with a BOA employee on XXXX. 
Please reverse your decision. I am beginning the process to shut down all of my Bank of America credit cards and accounts. 

Thank you for your time,
Product: Debt collection

In 2018, the company formerly known as " XXXX XXXX XXXX XXXX XXXX '' guaranteed me that their retainers would straighten my teeth. I sent in my tooth molds around XX/XX/2018 and they created trays that were supposed to assist with the process. I was paying the installment amounts up until I realized and expressed that the trays were not shifting my XXXX. I went to see an XXXX  and they informed me that this company mislead me into believing that they could fix my XXXX  when that was not possible. I needed to have XXXX  removed in order to make space for the crowding I was experiencing and they did not ever match me with a real doctor to check things like that. 

I stopped using the trays and stopped paying my installments once this all took place and I talked with the representatives of the company about what they were going to do and all they offered to do was to redo my trays and not refund me my money so this account went into collections after that. Their XXXX part collection agency has been contacting me every sense trying to get this payment and has not stopped emailing and calling me when I have been very clear about the fact that I was the patient who was lied to and mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my information stole in a security breach. 


XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX  XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE XXXX XXXX XXXX XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT.NOR THEREFORE ANY SUCH DEBT IN THE FACT THEREFORE EXIST. ( PLEASE REMOVE THIS ACCOUNT BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

Foursight Capital LLC somehow acquired my loan from XXXX XXXX XXXX XXXX without my knowledge or consent and now that demand that I pay them or they would repossess my car. I have sent them a certified notarized debt validation letter to please produce the this contract that I have with them with my signature. They cant because there is no contract with them with my my authorized signature which lawfully they have to present and haven't.
Product: Credit reporting or other personal consumer reports

I reached out the courts about the bankruptcies reporting on my credit file.I was told by the courts they do not provide this information to the credit bureaus .I would like this information deleted from my credit reports asap the case numbers are below. 

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

Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Checking or savings account

I am blocked access to my account with no notice. When I try to login to my account they show a message to call XXXX XXXX XXXX XXXX XXXXXXXX that no one answers. Called that number at least 10 times in the last 45 days, it always goes to an automated attendant with no option to reach a human agent.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again, I have asked a few times now to have you remove my authorized user account from all three credit reporting agencies. This has been done well over 4 weeks ago and it is still showing up on my reports. Please see that this gets removed right away. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

, I am writing to file a formal dispute regarding several unauthorized hard inquiries listed on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). These inquiries have negatively impacted my credit score and appear to have been made without my explicit consent. 

Summary of Unauthorized Inquiries : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> : XXXX XXXX To my knowledge, I have not signed any documents authorizing the above-listed organizations to access my credit history. The FCRA Section 1681b ( a ) : Permissible Purposes of Consumer Reports, and Section 1681b ( c ) : Transactions Not Initiated by Consumer, clearly outline that credit inquiries require my explicit authorization. These inquiries appear to be a violation of federal law. 

Requested Actions : Conduct a thorough investigation into these inquiries. 
Verify if any documentation exists bearing my signature authorizing these inquiries. 
If documentation exists, please provide a copy for my review. 
Remove all unauthorized inquiries from my credit report. 
Remove my personal information from the records of the organizations responsible for the unauthorized inquiries. 
Provide written confirmation of these actions. 
For clarity, I will only accept documentation that contains my signature explicitly authorizing the inquiries. If no such documentation exists, I expect immediate removal of the inquiries as well as confirmation that my personal information has been removed from the relevant organizations ' records. 

Enclosed with this submission, I have provided copies of my identification and proof of address to assist in verifying my identity. 

I respectfully request your prompt assistance in resolving this matter, as the unauthorized inquiries have caused unnecessary harm to my credit score and financial standing. Please confirm receipt of this dispute and provide updates on the resolution process. 

Thank you for your attention to this matter. 

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

Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX RE : Consumer ID # XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXXXXXX. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXXXXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXXXXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was apart of an identity fraud and the woman who used my information was arrested and I was contacted by the XXXX in XXXX XXXX and I have proof of this. I contacted and provided back up information to XXXX XXXX who was XXXX of about XXXX credit companies where she took out loans without my permission. XXXX XXXX has done a XXXX for the loan of {$29000.00} which they sent to IRS. I have asked them if they would rescind the amount reported to IRS as it is increasing my income and I have to pay taxes on it. They have refused to assist me. I am in a dilemna as I can not refinance my home as my credit scores are low and I show owing debt that I do not have. I have paid a credit company {$2000.00} to fix my problem and for past XXXX years they are not responding to my calls or email.. I am now on XXXX and if I had been able to refinance my home loan in 2021 I would be able to pay my mortgage at the lower rate.
Product: Checking or savings account

Subject : Formal Complaint Against Commerce Bank for Non-Response to XXXX XXXX XXXX Claim Hello, I am writing to file a formal complaint against Commerce Bank regarding their failure to respond to a claim initiated by XXXX XXXX XXXXXXXX on behalf of XXXX XXXX XXXX. 

We had initially filed a Consumer Financial Protection Bureau ( CFPB ) claim against XXXX XXXX XXXXXXXX due to a pending claim for months and no response whatsoever, outlining the circumstances surrounding our policy cancellation and refund request with XXXX XXXX XXXX ( XXXX XXXX  ). XXXX XXXX  XXXX let us know that Commerce Bank was not replying to them whatsoever when they were trying to retrieve our funds so we would like to file a claim against Commerce Bank now. On XX/XX/2023, XXXX XXXX  XXXX initiated a claim on our behalf regarding this matter. However, despite repeated attempts and reminders, Commerce Bank has not provided any response to XXXX XXXX XXXXXXXX XXXX inquiries regarding this claim. XXXX XXXXXXXX XXXX is telling us Commerce Bank has been ignoring them for 4 months. 

The delay in Commerce Bank 's response has resulted in significant financial strain on our business. Without their cooperation, XXXX XXXX XXXX has been unable to proceed with our claim against XXXX XXXX, leaving us without resolution for unauthorized charges totaling {$3900.00} over multiple months. 

We have provided all necessary documentation and cooperation to facilitate the resolution of this issue. However, without Commerce Bank 's response, we are unable to proceed with obtaining the refund we are rightfully owed. 

This situation has caused undue hardship for our business, and we urgently request your intervention to expedite the resolution of this matter. It is imperative that Commerce Bank responds promptly to XXXX XXXX XXXXXXXX XXXX inquiries to ensure accountability and facilitate the refund process. 

We appreciate your attention to this matter and kindly request your assistance in resolving this issue as soon as possible. 

The Claim Numbers are XXXX & XXXX Thank you for your prompt action and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive settled this debt and could not afford to pay more due to Covid 19. I was told that if I settled the debt would be deleted. This collection account has been settled but its still showing on my credit report. Im trying to buy a new home and was advised by Acima that they would delete this tradeline.
Product: Vehicle loan or lease

When I first receive the vehicle it was {$630.00} which my husband and I was willing to pay but in the process we had a XXXX XXXX XXXX which that made me laid off in my has been laid off so therefore I we were not able to pay our bills for two months. I then got in contact with Nissan and ask them is there anything that they can do for me they indicated that there was nothing that cant be done that I need to make a payment. And in the process of that me and my husband XXXX and divorce which left me with the mortgage Car and bills and our children that I love so much. I was struggling I then called Nissan to explain my situation they put me on a plan where my car note is put to the back but then a week later someone called me and told me that that process did not go in that I need to pay the remaining balance in order to keep my vehicle I woke up one morning to take my kids to the daycare and for me to go to work and my truck was not there this is the worst finance company ever