23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I purchase a contract # XXXX through XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX and Attorney XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, on XX/XX/2017. I paid XXXX down and finance XXXX the balance with Monterey Financial. They promise to relieve me of my XXXX XXXX XXXX XXXX  and give me a better way to vacation with XXXXXXXX XXXX. On XX/XX/2017, I received 2 turndown letter # XXXX and # XXXX dated the same day stated ( Mismatch social number ( bureau vs application ). Then on XX/XX/, I received a statement from Monterey Financial for {$7900.00} due on XX/XX/ for {$280.00}. OnXX/XX/XXXX I received confirmation from XXXX XXXX XXXX that they received my XXXX XXXX XXXX info and set up my client portal. 

I made my first payment of the XX/XX/XXXXand additional {$1900.00} on XX/XX/. I have not received anything membership from XXXX XXXX vacation plan. I call XXXX XXXX  and Vacation Consulting office after 30 days and I was told it takes 45 days to process and I receive a call from a supervisor stating It would take 60 days to process after they received my request to cancel. It has been more than 60+ days, no response from XXXX or any timeshare cure, vacation plan confirmation nor membership as promised. After several requests for results, I called my credit card company to dispute the purchase. OnXX/XX/XXXX, I receive an email from XXXX XXXX regarding my frustration. OnXX/XX/XXXX, I received a welcome letter from XXXX XXXXXXXX XXXX XXXX XXXX XXXX, stated it will be another 3 weeks to receive my membership from XXXX XXXX, on XX/XX/ I receive a packet from XXXX XXXXXXXX stating that my membership is effective XX/XX/ ( no calls or emails confirmation ). 

My credit card company got all my money back, but now my XXXX XXXX XXXX is delinquent and Monterey finance put my account in delinquent status. I am disputing Monterey Financial. I received another call from a company soliciting for XXXX XXXX XXXX, XXXX this week. All timeshare are scams. I have 3 timeshares so I thought I should help others and stop these companies from defrauding consumers.
Product: Credit reporting

TRANS UNION HAD AN INQUIRY BREACH, MY CONSUMER REPORT SEEMS TO HAVE BEEN DIRECTLY EFFECTED BY SUCH BREACH.. TRANUNION HAVE INCORRECTLY ADDED INQUIRIES ON MY CONSUMER REPORT ... I WOULD LIKE THE FOLLOWING INQUIRIES REMOVED IMMEDIATELY 1. ) XXXX XXXX XXXX/XXXX/XXXX 2. ) XXXX XXXX XXXX XXXX/XXXX/XXXX 3. ) XXXX XXXX/XXXX/XXXX 4. ) XXXX XXXX XXXX/XXXX/XXXX 5. ) XXXX XXXX/XXXX/XXXX 6. ) XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hyundai blames me for the dealer paying off my car 3 weeks late I traded the XXXX XXXX in two days after the payment was due. The dealer paid off the XXXX XXXX three weeks later I didnt even have ownership of that suv. The dealer gave an excuse of that there was a glitch in the processing of the loan.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I filed a claim with XXXX to dispute multiple transactions I paid to the same business. In total, I spent {$2500.00}. I never received the items. Paypal explained to me that I needed to dispute each item individually although there was a partial payment of the same invoice, however when I called back on XXXX XXXX to check the status of my claim I was informed that my claim had been closed because of this. According to the FCBA and PayPal 's policy, I am covered against deception, fraud, and unfair business practices. PayPal 's buyer protection program is a contractual agreement between all parties involved, yet PayPal has refused to honor their obligated agreements for this claim. I would like for all monies to be returned to me immediately and for this matter to be brought to the attention of President and CEO XXXX XXXX. I will be contacting him at XXXXXXXXXXXX I have also made a complaint against PayPal with the FTC. The transaction ID for this purchase is XXXX. Thank you for your time and consideration on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Interest isnt suppose to be added during this time.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] 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- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : U S DEPT OF EDXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I asked to close this account on XX/XX/17 while keeping other Thankyou Points cards open. I just logged in and found that XXXX points were forfeited due to this closure since points expire 60 days after closure. This was never disclosed to me at any point during the call and I certainly wouldn't have closed the account if this was going to happen. This is not a policy with any other card issuer if you keep at least one account that earns the same type of points open. I expect that these be reinstated or I will transfer all my business to XXXX XXXX, who doesn't play games like this with their XXXX XXXX. The card was an XXXX XXXX XXXX XXXX XXXX card ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the listed account from my file. 
XXXX XXXX XXXX : {$10000.00}.
Product: Consumer Loan

I have paid my car loan every month on time and my car loan company has reported me 30 days late for the past 3 months. On my credit report it stated I was 30 days late for XX/XX/XXXX on XX/XX/XXXX. I am in the process of purchasing a home. I am unable to proceed because my credit score and report have been negatively affected by the false reporting. I have contacted the loan company and was on the phone for an hour and a half with no resolution. I was told it takes at least 20 days to research the problem. This is causing myself and my family major problems in getting a mortgage for a property that we want to buy. We risk loosing the opportunity to purchase what we want because of the negative reporting in error. 
As you can see in the attachment of my payments there is only XXXX late fee assessed and it is in XX/XX/XXXX. This was not late as you can see it was paid on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last seven months Navient has reported major increases to my student loans and then major decreases the next month. They are faslie reporting the accuracy of my student loans. I noticed the first increase at the end of XX/XX/2018 in the amount of {$700.00} dollars. I'm not sure how that is even possible. Then for the month of XX/XX/2018 it shows a decrease of {$690.00} dollars. And today XX/XX/XXXX I checked my XXXX credit report and they are now show an increase of {$670.00}!!! While each month I have made {$55.00} dollar payments. Only a few days after noticing each of these odd reports, they disappear. I have taken screen shots of each one that I have noticed, which I check my report like 5 times a week through XXXX XXXX. These false reports are effect my credit rating!!! I am contact them, my state attorney Generals office and a local attorney. I know Navient has been in hot water over all their shisty behavior and I can prove what they have been doing to me! I have documentation!!!
Product: Credit card

As a consumer I enforce my basic consumer rights. I have a right to be heard. I have a right to service. I have a right to redress. I have a right to a healthy and sustainable environment. This is in connection with case # XXXX. My consumer rights are being violated. Truist bank has responded to my case XXXX. Regarding credit limit decrease truist bank has decreased my credit limit. Which is a violation. This is a consumer credit transaction. It has nothing to do with consumer reporting agency. In accordance with truth in lending act 15 usc 1602 -definitions and rules of construction. The term creditor. ( 2 ) is the person to whom debt arising from. The consumer credit transactions is initially payable on the face of the evidence of indebtedness. By agreement. Notwithstanding the proceeding sentence, in the case of an open end credit plan.involving a credit card the card user and any person who honors the credit card and offers a discount which is a finance charge are creditors for the purpose of the requirements imposed under part D of this sub chapter. This is one of the reasons I would like to redress the original contract the consumer is the original creditor. Also part 1 and 2 of the federal reserve act section 16. Federal Reserve notes to be issued at the discretion of the board of governors of the federal reserve system set forth for no other purpose are hereby authorized the said notes shall be obligation of the United States.. Truist is not the board of governors. You have no authorization to decrease my credit limit.. part 2 of application for notes by federal reserve bank , any federal reserve bank/principal may make application to the local federal reserve notes hearing before provided as it may require. Such application shall be accompanied with a tender to the federal reserve agent/Truist bank of collateral in the amount equal to the sum of the federal reserve notes that applied for an issue, persuade to such application the collateral security thus offered shall be notes bankers acceptance purchased under the provision of said section 14 of gold certificate or special drawing rights certificates, or any obligation which are direct obligation of or are fully guaranteed as to principal and interest by the United States . In no event shall such collateral security be less than the amount of federal reserve notes applied for. THE PRINCIPAL IS OWED INTREST.
Product: Credit reporting

Experian deceptively led me to give my CC for charging to me credit report. They did not give any information on the service they are providing and how and which number to call to cancel, or that they have charged my CC. Their WWW deceptively gives information forcing you to give your CC as if it is required to give you the credit report and then without notice they charge your CC, Request made to cancel the service is very aggressive. Calls are dropped, that 's what happened to me and they refused to refund me later call, when I saw the charge on my checking account,
Product: Debt collection

XXXX dollars and a little bit change was due back to me back in XXXX when I stopped in a XXXXXXXX store in XXXX, Ks and canceled the account. They sent me a bill for XXXX dollars and XXXX cents in XXXX. Everything was fine until I received a mail From AllianceOne Receivables Management , Inc. Saying that they were needed to collect the money owed by me to XXXX. I called them and told them what went on with XXXX being canceled and didn't owe money. They have called me 6 times since XXXX XXXXI sent them a message today saying to stop calling. I will see if they do.
Product: Credit card or prepaid card

Dear TD Bank Management, I am writing to dispute the interest charge on my credit card account due to financial hardship. I have been facing financial difficulties due to unemployment and unexpected bills such as medical bills for the kids and the newborn. My husband was away from home for his study and he to pay for housing, foods, etc. 

I honestly was not aware I was charging interests on my account until I recently checked and reviewing my account. I did not receive a notice that my account has been accruing interest. I thought the account has been paid off. I recently paid off the account because I dont want another accruing interest for the month of XXXX. The accruing interests are outrageously high. I believe it is unfair and has been a distress for me see my balance accruing interests. I have five very young kids to take care of and this is a difficult situation along with the rising costs of inflation. Please understand my hardships and I believe that the interest charges on my account since XX/XX/2022 would be waived during the financial hardships. I know that I can talk to a representative, but they may not be able to help me because they do not have authority to waive the interests as requested. And if I sent a letter, it would probably get ignored.
Product: Credit card

The company was taking payments from me monthly via my checking account. Then they closed my account.
Product: Credit reporting or other personal consumer reports

I have requested from XXXX, experian and XXXX signed documentation of the original debtor and date as well as documentation of validation on three seperate occasions and it was never provided as well as my personal information is incorrect
Product: Credit reporting or other personal consumer reports

On XXXX  I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave my written consent to pull my credit from the list provided blow. 

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

I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for  which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I was involved in the natural disaster hurricane Michael. I had a XXXX XXXX  that was almost paid off and my insurance company paid the remaining balance. Being under Extreme stress of not having a vehicle I checked the box on the XXXX XXXX app to investigate my lender as to whether or not they had closed out my account as a positive line of credit as which it should have been. Not knowing the guidelines that the lenders only have to abide by they only report once a month. So basically just because I wanted an inquiry as to why the account had not been closed yet XXXX XXXX took it upon themselves to just completely delete the account since they found neither party of any foul play.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm deeply concerned about how my rights as a consumer are being violated due to the unauthorized and inaccurate information being reported on my consumer report by Experian, XXXX, and XXXX. It's incredibly frustrating to see these credit reporting agencies mishandle my personal data, especially considering their crucial role in assessing my creditworthiness. 

The fact that unauthorized information has found its way onto my consumer report is a clear breach of my right to privacy. I've always believed that I have control over my personal information, but with this inclusion of accounts I never opened and activities I never engaged in, my privacy is being compromised, leaving me vulnerable to potential identity theft or fraud. 

What's even more disheartening is the impact of these inaccuracies on my right to fair and accurate credit reporting. I've always strived to maintain a good financial standing, knowing how crucial it is for my future endeavors. However, with Experian, XXXX, and XXXX reporting inaccurate information, my credit profile is being distorted. This can lead to unfavorable credit decisions, higher interest rates, and even difficulties in securing loans or finding employmentultimately hindering my financial opportunities. 

The repercussions of these violations extend beyond my immediate concerns. They have the potential to harm my reputation and overall financial well-being. Lenders, landlords, and potential employers often rely on credit reports when making important decisions about my eligibility. With unauthorized and inaccurate information tarnishing my credit profile, I XXXX face loan denials, higher interest rates, housing rejections, or missed job opportunities. It's disheartening to think that these violations can have such long-lasting effects, hindering my ability to achieve my goals and maintain financial stability. 

In light of these violations, it's crucial for me to take immediate action to rectify the situation and ensure that my consumer rights are protected. I need to assert my rights to privacy, fair credit reporting, and the opportunity to dispute and correct errors. By doing so, I can work towards restoring the integrity of my consumer report and safeguarding my financial future.
Product: Debt collection

My complaint was directly with the credit bureaus who have my address and should have confirmed that the bill in question has a different address than mine, but across the street. 
My previous address was XXXX XXXX XXXX, XXXX. IL XXXX and the bill was addressed to XXXX XXXX XXXX, XXXX, IL XXXX. I want this bill resolved and removed from my credit file. 
The bill is a whopping {$2700.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

On my bank statement it appear that on XX/XX/year> there is a charge of {$6600.00} from XXXX XXXX, this is a unauthorized transaction, I don't recognized this charge, I never paid this charge by my self, I lost my credit card during that time, some one stole my card, I did not realized that l lost my card until I saw the statement, I reported this information to my credit card company. the transaction is not made by my self. this is a fraudulent credit card charges
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove these inquires The following items do not belong to me and is a result of fraud that I did not authorize : Block and remove inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : In compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that XXXX remove information from my credit report within four business days that has resulted from identity theft and fraud. The false information includes a personal credit card account opened at XXXXXXXX XXXX XXXX on XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX  XXXX, XXXX under the account number XXXX, and a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX, XXXX under the account number XXXX, personal credit card account opened at XXXX XXXXXXXX on XXXX, XXXX under the account number XXXX, personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX under the account number XXXX, a personal student loan account opened at XXXX XXXX on XXXX XXXX XXXX under the account number XXXX, a personal line of credit account opened at XXXX on XXXX, XXXX under the account number XXXX, These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. Enclosed are a list of these hard inquiries and a copy of my XXXX credit report showing the fraudulent items. I do not recognize these accounts or inquiries. These accounts have led to several fraudulent hard inquiries and collections on my consumer XXXX credit report. Enclosed are a list of these hard inquiries and a copy of my XXXX credit report showing the fraudulent items. I do not recognize these accounts or inquiries. They are all the result of identity theft. For proof, I have attached a copy of the FTC Identity Theft Complaint # ( XXXX and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX,