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

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account # XXXX Credit XXXX Account XXXX XXXX Chkg/Securus Inmate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ) And according to XXXX XXXX XXXX XXXX they are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly notify the furnished of that information that the information has been modified, or deleted from the file of the consumer. And according to the XXXX XXXX XXXX XXXX they are suppose to 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

On XXXX XXXX, XXXX, I sent a letter of dispute to Equifax that involved a public record showing on my credit report as it is showing inaccurate information. On XXXX XXXX XXXX, I recieved a notice from Equifax displaying the results of the dispute. Equifax stated that the information was verified through a consumer reporting agency called XXXX. In XXXX of XXXX, I placed a security freeze on my account with XXXX, as a result, on XXXX XXXX, I contacted XXXX in regards of my information being released to Equifax because I originally initiated a security freeze on my account.I spoke with a represenitive by the name of XXXX XXXX XXXX ) and he explained to me that once a security freeze is placed on the account, no information is released without my authorization. It is my belief that Equifax is engaging in dishonest and deceptive practices by stating that they obtained information when they have not. I dont feel as if a thorough investigation has been done as it only took them about a week to respond.
Product: Vehicle loan or lease

I have been paying a high payment from the beginning. Thought it was low credit but then I see all these offers with way lower rates and my credit os worse then when I bought the car. So feel I have been making higher payments then need be for years now.
Product: Credit card

US Bank has changed the terms applicable to it 's XXXX XXXX credit card, after the payment of the annual fee. The application specifically states that the holder receive a XXXX night 's stay free for each award night booked, and the compensation for such is the payment of the annual fee. 
Now, the Bank purports it can adjust the terms of it 's contractual obligation after the annual fee had been paid. 
Reference is made to the following advertisement for the credit card which clearly states the benefits are in return for payment of the {$75.00} fee. The only proper resolution is to continue to provide the benefits until the card anniversary. A refund of the fee is unacceptable as the contractual obligation of the Cardholder has been met. CFPB should require specific performance, as the value of the XXXX free night far exceeds the annual fee. The Bank does not have the protection of XXXX v. XXXX as it is not an airline and can not make at-will changes to the program after payment of the annual fee. 
XXXX referral=commissionjunction
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found inaccurate information regarding my XXXX XXXX XXXX XXXX ( XXXX ) account. Specifically, late payment entries have been reported that do not align with my actual payment history. 

This account is active and in good standing, and I am not requesting its deletion. I am only disputing the erroneous late payment entries. My payment records confirm that this account has consistently been paid on time without any missed payments. I respectfully ask for a correction of this inaccuracy. 

The details of the account are as follows : Account Name & Number : XXXX XXXX XXXX XXXX - Account # XXXX / XXXX / XXXX Issue : Reported late payments on this account are incorrect.
Product: Credit reporting or other personal consumer reports

XXXX of 2021, XXXX is reporting a late payment. I was never late and the company refuses to show any documentation of being late. I want this corrected as paid and never late as I was not late the 30 days they are claiming.
Product: Debt collection

I started getting robocalls from this company and voicemails left to contact " XXXX '' no other information was provided. I never received a written correspondence mailed to me via usps. They started calling me around the end of XXXX. I elected not to contact them w/o any written info of any debts I may owe, and no one other than Arstrat has attempted to contact me to collect a debt nor has an attempt been made to do so via mail, or phone calls
Product: Checking or savings account

XXXX lied to me and said they were from the Federal Student Loan Education Department. When I spoke with the real company I found out that I had been scammed and the payments I authorized were not applied to my balance and my bank says I can't get my money back.
Product: Credit reporting or other personal consumer reports

These late payments do not reflect my usual on-time payment habits, so I need you to correct the information and adjust my accounts promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : ( XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX XXXXo ) Account # XXXX, ( XXXX XXXXr ) Account # XXXX, ( XXXX of XXXX XXXX ) Account # XXXX, ( XXXXXXXX XXXX XXXX  Account # XXXX, ( XXXXXXXX XXXXXXXX XXXX Account # XXXX, ( XXXX XXXXl ) Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX, ( XXXX XXXX XXXX ) Account # XXXX, ( XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, ( XXXX XXXXXXXX ) Account # XXXX, ( XXXX ) Account # XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have the rights 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: Debt collection

I 'm writing regarding to a lawyer named XXXX XXXX who sued me and took the money and misused the money and tried to collect the money again, and when I questioned him telling him I paid you in full why are you still billing me he responded every email you send to me I 'm gon na charge you.please help and stop this XXXX XXXX from stealing cheating and lying.
Product: Credit reporting or other personal consumer reports

Request for Certification of Accuracy of Information ( Need Wet Ink Signature on The Unauthorized Fraudulent Accounts } Grounds to Sue.

Violations of : 1. Proof Credit Transaction. Wet Signature of an Application. Proof of Authorization 2. Reinsertion of Deleted Item : 15 USC 1681i ( 5 ) ( b ) ( XXXX XXXX ) XXXX. Late Payments : 15 USC 1681 a ( 2Xi ) ; 15 USC 1681 4. Permissible Purpose : 15 USC 1681b 5. Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 6. Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) 7. Verification : 15 USC 1681i ( 7 ) I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. Since there has been no consent or legitimate purpose established for the sharing of my information, any reports generated or shared without my authorization constitute a violation of this act. I expect for a detailed thorough investigation is conducted into these discrepancies and remove the fraudulent items. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX. XXXX XXXX : # XXXX : Balance : {$320.00} | Date Fraud Begun : XXXX I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft.
Product: Debt collection

OAC claims I owe them {$140.00} Ive never did you have a picture or an idea of what you wanted bu With them and dont know who they are
Product: Credit reporting, credit repair services, or other personal consumer reports

TOYOTA MOTOR LEASING-I call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.
Product: Credit card

Amazon purchase XXXX was a purchase of XXXX, minus promotion XXXX, minus rewards points of XXXX. Receipt total {$8.00}. I was billed ( not pending ) {$23.00}, the item has not shipped. Amazon says it will change when shipped to {$8.00}. So until then I have a charge on my account for the full amount, assuming the change the price and issue a credit to my account. Amazon thinks this is a normal practice, the credit card can only dispute the charge. I do n't think this is legal, but I could be wrong, someone is making money on this money in " limbo '' and someone is paying for it. Please feel free to call me if required XXXX, Please let me know what will happen. Please fix this practice it 's just not right!
Product: Credit card or prepaid card

On XX/XX/2020 I was looking at my transaction history on my Bank of America pre paid acct that I get my unemployment benefits from and I noticed MANY Atm cash withdrawals starting on XX/XX/2020. Started with {$100.00}, {$200.00} then many more at different atm locations on XXXX XXXX even tried on the XXXX of XXXX. Luckily I had canceled my card by that time but they were still able to withdraw approximately {$2600.00} I have no idea how this could have happened. I never misplaced my card or ever let anyone use it. When I contacted the bank they canceled the card but they said I would need to talk to someone in the claims dept for the fraudulent charges so when they transferred me there I could not get through. I was holding for hours and then I would get disconnected. I tried for 2 days finally I got through during those 2 days I had filed a police report so when I spoke to the claims dept they told me I did all the right things my claim should be taken care of quickly. Etc. no more then 10 business days should I see my provisional credit on my account. Its been 10 days and I havent seen any credit or any update EVERYTIME I CALL THEM they always give me the run around and nobody knows the status or whats going on. This company is a joke. I dont know what to do anymore.
Product: Credit reporting or other personal consumer reports

, there is information that is on my consumer report that is a result of IDENTITY THEFT. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 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 not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.
Product: Checking or savings account

I made an ATM withdrawal at a Bank of Hawaii ATM in XXXX, using my XXXX  XXXX XXXX card to withdraw {$400.00}. I put the card in and chose " FastCash '',  and then entered the amount and pressed enter on the keypad. But the machine only withdrew {$200.00}, charging a {$3.00} transaction fee. I agreed to a {$3.00} service fee for a withdrawal of {$400.00}, not {$200.00}. Thus I had to make an additional transaction to withdraw the remaining {$200.00}. If I had known I would be charged {$3.00} to withdraw {$200.00}, I would not have agreed to it. 

Here are the transaction details : BANK OF HAWAII ATM XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX HI BANK OF HAWAII XX/XX/XXXX #  XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX HI
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX   XXXXXXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, and XXXX XXXXXXXX XXXX ACCOUNT # XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX is reporting a medical bill on all 3 major credit reporting agencies. I learned of the collection account when I applied for and was declined for a mortgage loan. I had medical insurance at the time of the bill and the medical insurance should have covered it completely. The procedure was pre-authorized. I paid up premium up front per the request of the doctor and the insurance company. The amount was somewhere near {$1000.00} BEFORE the XXXX. Imagine my surprise to find that I had a medical collection. The doctors office said something to me and I reminded them I had repaid all of the costs and been preauthorized by insurance. ANY amount above that is, would have been, and will be disputed. XXXX never gave me the opportunity to dispute the validity of the debt. I have never received a phone call or a written notification of the debt. I recently contacted them after learning of the collection account. I informed them I disputed the debt and the circumstances above, They did not pay attention to me at all and immediately started collection practices demanding my phone number and information about me in an effort to collect the debt. THE ALLEGED BILL IS PAST THE STATUTE OF LIMITATIONS and they knew it. Under FCRA and FDCPA the debt should have immediately shown as disputed and removed until resolved. Instead they only attempted to collect. In violation of FDCPA Section 809 ( b ), 807 ( 8 ) and section 623 of FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED DISPUTES TO EQUIFAX AND XXXX TWO OF THE THREE CREDIT REPORTING AGENCIES TO LET THEM KNOW THESE ACCOUNTS OF BANKRUPTCY IN MY PUBLIC RECORDS SECTION OF MY CREDIT REPORTS WERE IN ACCCURATE AND THEY SENT ME RESULTS OF THE INVESTIGATION STATING THESE ACCOUNTS WERE MINE AND THEY WERE VERIFIED AND I ALSO ASKED FOR PROOF OF THE THESE INVESTIGATIONS AND HOW THEY WERE CONDUCTED AND VERIFIED WHEN KNOW ONE FROM EITHER COMPANY WENT TO THE COURTHOUSE THAT THESE SO CALLED ACCOUNTS WERE OPENED AND OR CLOSED
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX - XXXX
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. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : 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: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account : XXXX Amount Collect : {$570.00} from Creditor : NATIONAL CREDIT SYSTEMS, 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: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries were not done by me as I suspect it may be fraud and it's reporting on my credit report : XXXX Credit Inquiry to XXXX XXXX Via XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

BEEN TRYING TO DISPUTE THIS ACCOUNT WITH XXXX XXXX XXXX XXXX XXXX XXXX FOR THE AMOUNT OF $ XXXX COMPANY TO HAVE THIS COMPANY DELETE THIS ACCOUNT FROM MY CREDIT REPORT, A HAVE SENT THEN ALREADY 3 ROUNDS OF DISPUTE LETTER AND THEY KEEEPED THE SAME INFORMATION ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened fraudulently without my permission or authorization, I demand for them to be removed immediately by law- I have filed and completed a police report regarding these accounts and inquires. 

Fraudulent Accounts- 1. XXXX-original creditor XXXX XXXX- - Open date XX/XX/XXXX 2. XXXX XXXX- original creditor XXXX XXXX- - Open date- XX/XX/XXXX 3. XXXX XXXX -- Open date XX/XX/XXXX 4. XXXX- Open date- XX/XX/XXXX Fraudulent Inquires- 1XXXX XXXX- Inquiry date- XX/XX/XXXX 2. XXXXXXXX XXXX- Inquiry date- XXXX XXXX, XXXX 3. XXXX XXXX Inquiry date- XX/XX/XXXX 4. XXXX XXXX- inquiry date- XX/XX/XXXX 5. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX- Inquiry date- XX/XX/XXXX 7. XXXX XXXX XXXX-Inquiry date- XX/XX/XXXX 8. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 9. XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry date- XX/XX/XXXX 11. XXXX XXXX XXXXV- Inquiry date- XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT NEEDS TO BE UPDATED
Product: Credit reporting or other personal consumer reports

The 3 credit bureau information does not match. The account number is not correct
Product: Credit reporting

There 's are XXXX XXXX accounts that do n't belong to me that I did not give my permission to open nor did I give my authorization to any goods or services to
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, XXXX acting on my own as a natural person and consumer.

There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 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 the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent.

Please delete these items listed below. IMMEDIATELY!

ADDRESSES NAMES ACCOUNTS COLLECTIONS INQUIRIES These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX ' XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a third party debt collection agency. I have n't done business with this company  Choice Recovery  #  XXXX . Choice Recovery is in violation of the HIPPA act by accessing my personal medical records and billing. This account was never validated, by telephone conversation,  Choice Recovery was unable to locate exact information pertaining to this account. Please cease and  desist all communication and collection actions.