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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : 1. XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$420.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$420.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$850.00} XXXX. XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$520.00} XXXX. XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

Nearly 2 months ago ( XXXX XXXX ) I submitted a complaint against Ally Financial regarding my auto lease and nothing has been done. No one has contacted me regarding resolving the matter. In fact the opposite, I received another paper statement threatening that my account go to collections which would negatively affect my credit. In over 2 years I have not missed a payment and they now are saying I owe money that I do not and are assessing me late fees. At this point, this is harassment and I am seriously considering legal action against them. I would expect the CFPB to assist and to this point nothing. 

The issue is that I got the vehicle in NY and per my lease agreement and confirmation from the dealership, taxes were included into the lease payment. Because I moved, Ally is now saying I have to pay taxes that were already paid on the vehicle. Their customer service is inept. I called and spoke to someone in a foreign country ( XXXX or the XXXX ) for over half and hour. That person was clueless. I gave specific instructions and information and no one ever followed up. I called back a week later for a status update and that person was even more clueless and said that no one had done anything that they were supposed to do ( based on my instructions or what they said they would do ). I submitted a complaint and nothing has happened ever since. 

I will sue whomever I have to, to protect myself and my rights. I take this matter very seriously and expect the same level of importance be given to the matter that I am giving. I expect quick resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these fraudulent items. I need this removed asap. I also requested a video or copy of the contract between me and this company.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX ; Account Name : XXXX Account Number : XXXX
Product: Debt collection

Diversified Consultants placed a collection on my account in the amount of XXXX. I disputed this same account with a collection agency by the name of XXXX and XXXX XXXX back in XX/XX/2017. The account was fraudulently opened. 
I called XXXX and informed them that I previously disputed this and now another colleyagency is trying to collect on a bill that I do not owe. I was instructed to contact the collection agency bc they reported they did not assign it to anyone. I sent Diversified a letter and they responded that they matched the account by my name and address. My name is spelled wrong and the address is a PO box number. 

This company is using illegal tactics to attempt to collect on accounts they clearly do not own and can not verify according to the FDCRA.
Product: Credit card or prepaid card

In XX/XX/19 i called a bank and asked i wanted to close out with them and wanted to payoff credit so im not going to be charged. Cause i had my reasons. I was not going to be on my email, cause i changed it and i was not leaving on same address. I was not going to get any information from them. 
Bank was very nice about it and asked me if there is something they could do so i was not going to close account with them. They offered That i was not going to have any interest with them to pay cause i am such a nice costumer. If i would choose to stay. Never had any late fees and always paying on time. But i still decided to close account. Payed off amount of {$1200.00} that they told me and everything was over. 

After 2 month i was getting on my credit reports late fees from somewhere i couldn't understand. I called all bank companies and was asking what was happening. I called credit reporters and they told me it was discovery. 

I called discovery and lady told me everything was good. But still i went to check my old email. Which was hard to get and I found interest charges of {$22.00}. I was so upset. I called a company again and was asking reasons. They conected me to person who supposed to take care of that part but i was rejected. Person seemed like giving me such a good attitude when i was closing my account. And now i have to live with low credit score cause they didn't do job properly and ruined my credit score which was always perfect. Never ever i got any late fees in my credit history until that mistake of person who supposed to close account and now i have 3 late fees out of nowhere.

Hope this message will help Ask me any more information i need to send.
Product: Debt collection

I checked my credit report and I noticed some unauthorized accounts and inquiries I proceeded to contact the credit reporting agencies that was reporting the negative and false information but they did not remove the negative accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I disputed a transaction from XX/XX/2024 for XXXX. I disputed the transaction XX/XX/XXXX XXXX XXXX XXXX an XX/XX/XXXX XXXX number XXXX. The bank has denied all my claims after receiving a tracking number of refund of the amount that was charged to my account, that I did not approve. The bank basically said I did business with them so it's my loss. I did do business with them I agreed to 6 months of service the pouch insurance automatically charged my card for 6 months of a renew service on XX/XX/XXXX, that I did not approve of. XXXX did try to make right refunding my money an providing tracking number XXXX of refund.Truest claims it was kicked back because the card was canceled and XXXX said it is finalized and it has clear and it's up to the bank to track my money. Truist refuses to find my money.
Product: Checking or savings account

I have a Chime checking account with an XXXX email. However, I have been receiving emails from Chime through my XXXX that are in someone else 's name ( e.g. 'Welcome to Chime, XXXX XXXX ... My name is XXXX XXXX ). When I attempt to login with my XXXX account ( even though I did not sign up with this XXXX account personally ) any passwords I use do not work and when I attempt to recover the password it sends a verification code to a phone number that is not mine. I then try to login with the XXXX email that I originally signed up with and i select " forgot password '' and Chime responds with " There was an error attempting to reset your password, please try again ''. I have called Chime Customer Service and I have tried to select ALL of the XXXX options and none of the options work. It just says " that was an invalid selection, please try again ''. There is XXXX options to speak to anyone and their automated service doesn't work. You just go around in circles. I have had transactions that I do not recognize in my account, I have had my balance reduced without any transactions taking place, and I continuously receive notifications for " XXXX '', someone that I do not know. I am very concerned that there is nobody to speak with about my issues but furthermore, I am concerned that someone has used my information to set up an account for themselves and all of this activity is wrongly reported to creditors. Please help.
Product: Credit reporting or other personal consumer reports

These are inaccurate accts on my credit report Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account XXXX XXXX
Product: Debt collection

XXXX XXXX charged my dental insurance after an appointment when I told them I didnt have insurance. I paid for my dentist appointment that day in office. The dentist charged my insurance also by mistake. XXXX XXXX XXXX sent me a letter saying I owed them {$170.00} for that visit. I called my dentist and XXXX and told them about the situation multiple times. My dentist said they sent a check to XXXX. XXXX said they never received a check. It has been so long that XXXX sent that debt to a debt collector, The Receivable Management Services LLC. I disputed the debt with them through both the phone and online form saying its not mine. I continue to get letters about this debt. I want the letters to stop. I dont want to be the middle man. Its an issue between my dentist and XXXX. I feel harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, US Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I am writing to formally file a complaint regarding a series of issues I have encountered with my auto loan following a recent accident. I am extremely disappointed by the lack of clarity, miscommunication, and poor customer service I have received, which has had a devastating impact on my finances and wellbeing. 

After purchasing my vehicle, I was advised that gap coverage was in place, which provided me with a sense of security should any accidents occur. Unfortunately, my insurance lapsed without my knowledge, and soon after, I was involved in a serious accident that totaled my car. I promptly informed Santander of the accident, fully expecting the gap coverage to assist with the outstanding loan balance. However, I was subsequently told that I was not covered and that I would be solely responsible for the remaining balance. 

I was initially informed that the vehicle would be repossessed, sold, and that no additional charges would be added. Yet, I am now being told that interest continues to accrue daily, significantly increasing the balance owed. I have made multiple attempts to clarify these terms and to understand my options, but each call has only led to further confusion. I have been met with unhelpful attitudes and inconsistent information from representatives, leaving me frustrated and overwhelmed. 

As a XXXX college student, this financial burden is particularly distressing, and I feel that the lack of transparency and professionalism in handling my account is unacceptable. I respectfully request a thorough investigation into my account, immediate clarification on the terms, and an adjustment of the balance to remove any unfairly added interest. This situation has caused significant hardship, and I am seeking a fair and just resolution.
Product: Debt collection

Portfolio Recovery Associates LCC was attempting to collect a debt from my XXXX XXXX XXXX by threatening legal action. I called them and spoke to someone ( a debt collector ; although they claimed to be a law firm I was unable to speak with the lawyer on the paperwork ) about setting up a repayment plan. They requested I send them payment immediately to which I told the representative I would not pay them without a written payment plan agreement, which they never sent. Instead I received a judgement against me from my local court for several XXXX dollars over the amount Portfolio Recovery Assts. claimed I owed, and several more XXXX dollars over the amount of the original debt. I was never notified of a hearing date, and despite offering to pay was never sent a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping at Best Buy and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to BEST BUY. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted. Company information Transunion. Please delete the following accounts : 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

I discovered a collection account on my credit report from Debt Recover Solutions for a XXXXXXXX XXXX loan in the amount of {$1300.00}. 
Ito Debt Recover Solutions for all information related ot his debt which i dispute have received no response. 

By way of background we filed a complaint agains XXXX XXXX ( a tribe payday lender ) for for unfair lending practices with the United States Consumer Finance Protection Board ) back in XXXX after paying back a payday loan in full with interest and receiving another demand by XXXX for another 100 % payment. After receiving the complaint notice from the CFPB XXXX reached out to me and indicated they would be dropping the the additional Interest request and they would consider the matter dropped and account paid in full if we would mark the complaint at the CFPB as satsified -which we did. 

Thus is was surprising to receive the collection notice in defiance of our agreement five years later.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, Experian, and XXXX 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, XXXXXXXX XXXX  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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX card in XX/XX/2013, the last activity was XX/XX/2013, and the account was closed. I have disputed this account with the credit bureau to be removed due to age of account and they have not removed. It has been more than the 5 years so the account should be removed. There is also a collection account with XXXX XXXX for this same account and I requested it be removed because of age of last activity is more than 5 years.
Product: Debt collection

I have absolutely no idea where this debt came from and it definitely does not belong to me. I currently bank with XXXX XXXX  so there should be no reason for a debt collector to be trying to illegally collect funds from my person on behalf of XXXX.
Product: Credit card

I am furious about why I was charged XXXX late fee then XXXX late fee I am not sure why these different amounts and being charged on different due dates. I feel this is ridiculous and I feel credit card will never be paid if I am being charged more then card is worth. Everything I call I feel as if I am being ignored. Please assist
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 15 USC 1681. 
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 inructions 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: Debt collection

To Whom It May Concern, I am writing to file a complaint against Midland Credit Management , Inc. ( Midland ), regarding an unresolved issue related to a debt collection that was paid in full. Midland had agreed to delete the corresponding two accounts from my credit report, but they have not followed through on their promise. Additionally, my dispute through XXXX remains pending with no updates. 

Here are the details of my complaint : XX/XX/year>, I settled a debt with Midland Credit Management for {$1000.00} and as part of the agreement, Midland confirmed that they would remove the 2 accounts from my credit report in exchange for the full payment. 

However, despite fulfilling my end of the agreement and making the payment in full, the account remains on my credit report. Midland has failed to provide me with the promised written " pay-to-delete '' letter, which I requested multiple times. 

Dispute Status : I submitted a dispute to XXXX XX/XX/year>, indicating that Midland had agreed to delete the accounts from my credit report. However, the dispute remains unresolved and has been pending for an extended period without any updates or resolution. This delay is causing me significant concern as I am trying to improve my credit score and resolve the matter amicably. 

My Request : I request that Midland Credit Management be held accountable for not honoring their pay-to-delete agreement. 
I request that XXXX and any other credit reporting agencies involved update my credit report to reflect the deletion of the acc

ount, as agreed upon by Midland.

I ask for timely updates and resolution of the dispute I filed through XXXX. 
If Midland refuses to delete the account, I would appreciate clear documentation and evidence of their decision, as well as a full explanation. 
I would greatly appreciate your prompt attention to this matter and assistance in ensuring that Midland Credit Management fulfills their obligations as agreed. 

Thank you for your time and consideration. Please let me know if you require any additional information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including twXXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY XXXX