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

In accordance with the Fair Credit Reporting act XXXX act. # XXXX XXXX XXXX XXXXXXXX XXXX. # XXXX XXXX XXXXXXXX or ( XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX ACT. # XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX  XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX Act. # XXXX The 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 or other personal consumer reports

Im in disagreement with the account listed below, which still appear on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business address of each individual with whom you verified the item above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation from the bureau for the fraudulent account through the original contract. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM ANY OF THE ATTACHED INQUIRES. 
PLEASE SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Product: Credit card or prepaid card

Hello, I was charged for XXXX for 2 XXXX plane tickets returning from XXXX to XXXX on XX/XX/2020. Due to XXXX XXXX, my plane flight was cancelled, despite me already being in the country. XXXX promised they would book me on another flight home, but unfortunately this never happened & I purchased a new flight home with another airline. 

XXXX told me they would credit this charge, however I have not seen any such credit. I dispute the charge with my credit card provider, Citi Banks, but they rejected the dispute. They rejected this dispute because XXXX showed them a flight manifest from a flight weeks prior as proof that I had boarded the flight. I pointed out to Citi Banks representatives that this was not the flight in question. I also forwarded documentation showing the flight in question was cancelled by XXXX, the merchant. 

On top of this, I purchased trip insurance for XXXX USD which should cover all of this. No luck there either. 

To me, this is a clear case of a merchant being unable to provide the services I paid for. For Citi Banks to accept a flight manifest for a flight that does not even match up with the disputed charge shows some level of incompetency or inefficiency with their dispute process. And for XXXX, to provide this incorrect documentation to Citi bank is just very disingenuous and shady.
Product: Credit card

After reviewing my consumer report, I discovered several unauthorized accounts. My personal information was exposed during the XXXX data breach, which has allowed unauthorized individuals to access and misuse my non-public personal information without my consent. The unauthorized use of this information constitutes identity theft.

I am writing to address this issue because, under the Fair Credit Reporting Act ( FCRA ), these fraudulent items are a violation of my federally protected rights. I demand the immediate removal of these items from my report. As outlined in 15 USC 6801, protecting non-public personal information is a legal obligation, and under 15 USC 1681-2, information resulting from identity theft must be blocked. Please act accordingly upon receipt of this letter.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$33000.00}.
Product: Payday loan, title loan, or personal loan

I got a pay day loan from QC Financial Services for {$350.00} I was charged XXXX Annual Percentage Rate making the loan {$690.00} payable in 6 monthly payments of {$110.00}. I want an investigation into their practice of charging Usuary Interest Rates
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending documents into the credit reporting agencies to remove accounts that have come on my credit report due to fraud and identity theft. I have followed the FCRA. These documents are not being attached and sent to remove these accounts. 

The accounts are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am not getting copies of the verification process from the credit agencies per the FCRA. This is a clear violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance is still showing a closed and settled account on my XXXX  credit report from almost 8 years ago. The account has been settled and is not showing on either my XXXX or XXXX  reports. I have spoken to both Honda and XXXX  and both representatives are telling me it is up to the other to remove the account from my report. 

The account was opened in XXXX of 2013. XXXX  nor XXXX  required any action on my part due to the account being settled and being over 7 years old. So, I am not sure why XXXX will not just remove the account from my report and is asking for Honda to provide proof the account is settled when my report clearly states that the account is closed and settled. This is causing a XXXX point difference between my XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, and TXXXX XXXX XXXX XXXX scores. The ONLY difference in all three reports is the Honda account.
Product: Vehicle loan or lease

Tried to get information on my loan a account ledger from Brigecrest financial in which I was told the sold my loan to a 3 party company and have no information of my account when I asked how did you even pull my account up or is you sold my account why dont you have a day of sale to the 3 party and dont you have to have a receipt for your im companies auditing they were rude and was hung up on many of times
Product: Credit reporting, credit repair services, or other personal consumer reports

How to start. There seems to be A problem.it believe it begins with my car being broken into abd my wallet was stolen. Had all my credit cards.and drivers license and social security. They used up all my credit. 
Bring recently released from being XXXX and trying to help my family. I see my credit gone to XXXX and do n't know how to repair. Or report it. Need some help ASAP to prevent this identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute on incorrect items on my credit report and it has been well over 30 days and have not received any investigation reports.
Product: Debt collection

My SAMS Club card was charged {$120.00} on XXXX  and {$330.00} on XXXX by XXXX XXXX XXXX XXXX XXXX XXXX I have no idea what these charges are for nor did i receive any product i have received monthly Notice of Right to Cure Default from Synchrony Bank XXXX in XXXX and receive multiple calls on a daily basis. I have called the Bank repeatedly and talked with their staff as i should not be held responsible for unauthorized charges. in addition, i am being charged late fees and interest on this unpaid balance.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. lam attaching proof that Equifax has admitted that'l was in fact a victim of this data breach and Equitax has done nothing.Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal or non verbal per 15 USC 6802 letter written XXXX the privacy act of 1974 privacy act of 1974
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of these unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple requests, the unverified item with XXXX, inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I 'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. TransUnion is also reporting incorrect contact information, and payment status on report for the XXXX creditor.
Product: Student loan

On XX/XX/2019, I submitted a complaint to your office. It was Complaint No. XXXX. It involved my student loans through Pioneer Credit Recovery. I had defaulted on my student loans. I entered into a payment plan with Pioneer Credit. I have been faithfully making monthly payments. The Dept of Education took my federal income tax refund this year. They should not have done so because I had entered into a monthly payment plan. On XX/XX/2019, Pioneer Credit Recovery responded to Complaint No. XXXX. Pioneer had responded that my account was erroneously certified for treasury Offset. Pioneer responded that it had taken necessary steps on the Dept of Educations system to request a refund of taxes in amount of {$1500.00}. I still have not received a refund. I have been waiting for it and I have not received. When will I receive the {$1500.00} refund which I deserve?? The Complaint was not resolved so I have filed another complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, American Express is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleading practices.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with Experian in regard to this account XXXX XXXX XXXX  thru the CFPB and Experian which both bureaus stated the information was verified and accurate. After checking my credit report prior and post dispute the information is still obviously inaccurate! On my Experian report the account displays an XXXX days past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX days past due as of XX/XX/XXXX, XXXX XXXX as of XX/XX/XXXX then Collection as of XXXX XXXX XX/XX/XXXX then back XXXX XXXX XXXXXX/XX/XXXX until XXXX XXXX is inaccurate because the timelines of past due, collection, and charge off should be chronologically reported on my credit report which it is not. This violation of Section XXXX ( c ) ( XXXX ) to include the Experian website stating : Paid, unpaid or settled collection accounts remain on your credit report for XXXX years from the date of the first delinquency that led to the XXXXThis account has XXXX XXXX past due dates which it should only be just XXXX has XXXX XXXXXXXX XXXX  start dates which violates Section XXXX ( c ) ( XXXX ) again. Another blatant inaccuracy violation is reporting a false current/term met date in XX/XX/XXXX. This inaccurately extends the debt automatic removal date to an additional XXXX years to XX/XX/XXXX. An account can't be XXXX XXXX, reported as a collection and then XXXX XXXX again and XXXX made and directly back to charge off.These are clear inaccuracies that Experian allowed to remain on my credit report. The account is not XXXX XXXX  accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of the report from the Experian credit report website XX/XX/XXXX. I've attached the response showing that Experian told me the account remains with all the inaccuracies.
Product: Credit reporting or other personal consumer reports

I am submitting this request to address the issue of identity theft. Certain records in my credit file do not pertain to me and were initiated without my consent or knowledge. Therefore, I am disputing these specific accounts and request their removal from my credit file. They are inaccurate and were established without my authorization or involvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian violated 15 U.S.C 1681a for refusing to block the fraudulent accounts that was not verified I submitted an identity theft reported provided my proof of identity submitted an identity theft affidavit with The Federal Trade Commission see ( attached documents ) as required according to federal law and the credit reporting agencies failed to block the information or provide a legal reason for not doing so.
Product: Debt collection

The information is as followed, I C SYSTEM Last reported : XX/XX/2018 {$170.00} Needs Attention Overview You've paid off XXXX % of your collection amount. 
Balance {$170.00} Highest Balance {$170.00} Opened XX/XX/2018 ( 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX This is not my debt ; and I have absolutely no obligation to this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This account has late payments showing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Payday loan, title loan, or personal loan

I made my XX/XX/XXXX payment, due on XX/XX/XXXX, within the grace period ( XX/XX/XXXX ) to XXXX. I made the payment of {$180.00} ( on XX/XX/XXXX ) in excess of the amount due ( {$170.00} ) plus any interest that would have accumulated on the account within those 3 days. ( {$1.00} *3 ). 

Instead of reducing the prinicpal balance. XXXX XXXX has decided it will apply it to my next payment. This is not how i want it allocated, and not ethical. 

After I have paid off the amount due, plus any interest incurred I should be able to have the excess payment amount as i see fit. If i want it allocated to reduce the prinicpal balance it should go that way. XXXX has conviently been applying my excess payments as statement credit instead of reducing the principal.I dont want a credit, I utlized my grace period and pay enough to cover the interest incurred during that grace, the amount due, and a little bit more to reduce the principal. 

Lastly, XXXX provides this limitied statement, which doesnt show you the allocation, or much relevant information. They can do better and be more transparent.
Product: Credit card

I need your help! CapitalOne seems to side with the merchant dentist XXXX XXXX XXXX XXXX, XXXX, VA, who took my money {$3500.00} total in XXXX separate payments of {$1700.00} XXXX and still did not call me to deliver the dentures after he took or have the money from CapitalOne siding with him and gave him the money.
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate information that JPMCB Auto ( JP Morgan Chase Bank Auto Finance, EIN : XXXX ) is reporting on my consumer credit reports. Specifically : XXXX : XXXX 30 days late. XXXX : Current payment status. XXXX : XXXX 30 days late, with no record of payment history. This reflects an inaccurate consumer report and constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 611, which mandates accuracy in reporting and an obligation to verify any disputed information.

Furthermore, as a national bank regulated by the Office of the Comptroller of the Currency ( OCC ), JPMCB Auto must comply with the Truth in Lending Act ( TILA ) and the FCRAS requirements for accuracy and verifiability of consumer information. Please see the attached documents for proof of inaccurate late payments on my consumer report.
Product: Debt collection

I have called PayPal on at least 7 occasions and spent hours on the phone trying to get get adequate proof of debt. I have been given only an amount of debt but no underlying transaction information. Please see the attached letter from collection agency and my response. As discussed in the letter, there were a series of fraudulent charges to my PayPal account. When I thought they were resolved by PayPal, I closed my account. There should be a series of transactions : fraudulent charges, credits by PayPal .... I need to see these itemized, so that I know if there is indeed a legitimate debt to PayPal. PayPal says that because my account is closed, no one at PayPal can give me that information.

I want to resolve this before it impacts my credit.

Thank you for your assistance in this matter. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

re : Cash App - A Square Product. 
Refund amount {$480.00} from XXXX The only contact number XXXX only tells customers to use the Cash App to contact customer service. 

Refund is ''in review '' and support tickets are being auto-closed. 
The company which is issuing refund states refund was returned. 

Cash app is seizing assets and not returning the refund total. and does not follow the correct procedures for returning a refund. 
Getting this refunded ack ASP is very important.
Product: Debt collection

Diversified consultants rep called I did n't recognize the number. Caller ID stated number with no name. I thought it was spoofed, so I asked the rep why didnt name of company come across. Rep Would n't provide me all information I requested. When I asked them not to call me anymore, rep started yelling and arguing over the phone.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, a call was received from an employee at Western Finance operating under Western Shamrock, and the call was answered on speakerphone due to the person at work. Information regarding my account was given to another person without my consent and since the call was answered on speakerphone, 2 other people in the room heard my personal information. The employee demanded that we go into the office the next day saying we HAD to go in. After the other person was given information, he then told the person calling from the company that it was not his account and should not be giving out information. The manager then got on the phone and told him that it was a federal law to release personal information. She stated that she would talk to her employee regarding that issue. They then called him back and asked him to have me go in and have me sign a form allowing them to release information AFTER they released the information to him.
Product: Debt collection

I have written the collection agency about a fraudulent they are reporting on my credit file. I sent a dispute to XXXX and provided both agency my Identity theft affidavit along with my police report. The collection agency did not ignored my document and verified this fraudulent account to be mine and never responded to my request and dispute. they are causing me a lot of distress. I have been wrongly denied credit due to their false reporting and negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX a balance of {$2300.00}. I never received a 1099 for that charge off. The amount has been charged off since XXXX, however it is still being reported on my consumer report without my permission. I disputed this through XXXX in XX/XX/XXXX. They are currently still reporting that it is past due, although it has been charged off, which is ultimately affecting my consumer report negatively. I would like for this account to be deleted from all three consumer reporting agencies immediately as my rights have been violated. High balances for the accounts should be reported and it should be the same balance. Three different balances are being reported through the three major bureaus. This is another violation, and means for this account to be deleted from all three major consumer reporting agencies. 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ), the IRS states charge-offs are to be reported as income, and income can not be reported onto a consumer report.

According to 15 U.S.C 1681 ( 4 ) This information shouldn't even be on my consumer report because I never granted permission for it to be on my consumer report.