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

I have tried several time to get this bogus information off my report and this company has violated and defamed me over and over. I am having problems getting approved for credit due to these injustices.
Product: Debt collection

No permission was given to any consumer reporting agency to report any consumer information which is a violation of my consumer rights 15 USC 1681b ( b ) ( 1 ).
Product: Debt collection

I got a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX Subject : Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements . 

The inaccurate entry is as follows : Creditor Name : XXXX XXXX  : account # XXXX Date of charge off : XX/XX/XXXX Creditor name : XXXX XXXX XXXX account number : XXXX Date of charge off : XX/XX/XXXX Creditor name : XXXX XXXX XXXX  Account number : XXXX Date of Charge-Off : XX/XX/XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity.

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA.

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report.

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report.

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and wilful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001 Additionally, these misstatements are punishable as perjury under 18 USC 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization-used my personal identifying information to apply for goods, services, or money, and, was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Read my previous complaints and stop submitting a canned response that means nothing
Product: Credit reporting or other personal consumer reports

I am writing to provide an update regarding the dispute I previously filed with the Consumer Financial Protection Bureau. My dispute was related to inaccuracies on my credit reports from XXXX, XXXX, and Equifax. The reference numbers for my complaints are : XXXX XXXX XXXX I filed these disputes concerning inaccurate information that I identified on my credit reports with XXXX, XXXX, and Equifax. Since filing my original complaint, I have made efforts to follow up on the status of my disputes and have received responses from the three credit bureaus. I am attaching examples of the correspondence, as well as my current credit report findings, for your review. 

In these documents, you will find a detailed outline of the issues I reported, the credit bureaus ' responses, and any updates I have received regarding the resolution process. I have included the relevant pages of the credit reports from XXXX, XXXX, and Equifax, as well as any dispute resolutions or lack of resolution.
Product: Credit reporting or other personal consumer reports

Per the FCRA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion XXXX XXXX  etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Debt collection

I contacted BestBuy on XX/XX/2017 to inform them that the account opened was not me. It was part of identity fraud. The amount owe is XXXX dollars Account was opened XX/XX/2017. The inform me it was going to be investigated and it was going to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian in regards to an incorrect address on my credit file. I have never lived at that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently have reviewed my credit reports and show an inaccurate/ incomplete account being reported to my credit file by Equifax XXXX I have disputed with Equifax and they have yet to remove this inaccuracy which is hurting my credit rating. Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report. 

No furnisher Information Account No XXXX Closed Date " not being reported '' Account Status " Open : - Inaccurate if there is a closed date reported above!!! 
Balance {$0.00} Last Payment XX/XX/2015
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact pay on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint. Im now requesting you investigate this accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are many items that is on my credit report that do not belong to me. i have submitted a written /certified letter requesting an investigation into these accounts. I was sent a letter saying that my documents and Fraud report were not sufficient and would not be accepted. I was also told plainly that the accounts were verified without any supported documents provided to me as a result of their investigation.
Product: Debt collection

I originally went to XXXX XXXX XXXX XXXX in XXXX XXXX Texas on XXXX2016 for a XXXX XXXX XXXX XXXX. When I checked in, I asked about pricing and they said i needed to be evaluated first. After approximately an hour I was released and they said the Doctor would need to complete a report for billing and I would be notified of the costs. I later received a bill for @ {$8000.00}. I called the facility and they were unable to explain the basis of cost other than it was based on the level of care. After I called several more times the Manager said they would waiver the {$150.00} deductible since they were unable to provide pricing details. 

Later that year XXXX XXXX XXXX was bought by XXXX XXXX XXXX and I was sent a demand letter for the {$150.00}. 

I asked again for the pricing structure used to determine " Level of Care '' and it was never sent. They did send a statement detail with a lump sum entry for the " XXXX XXXX XXXX '' for {$6200.00}. This amount was charged for the ( 1 )  hour I was in the unit and the exam and XXXX are additional charges. 

The deductible was originally waived by XXXX XXXX and insufficient detail was provided by XXXX XXXX and AMCOL. Now, AMCOL XXXX has entered a collection amount of the {$150.00} by fraudulent means.
Product: Credit card

I wanted to know what interest rate might be to get a credit card for my mother to use for some upcoming dental work. I filled out an online application, just to see, got the interest rate information, and decided NOT to apply. I believe I did cancel the application, but the card came in the mail anyway. 
When I could n't get past all the barriers on their website, I phoned the company to CANCEL the card. The representative told me that my mother had to speak to him herself, or that I needed to send my POA documentation to them, in order to close/cancel the account. 
My mother, who has XXXX and lives in an XXXX, was NOT involved in any part of this process. 
Additionally concerning is the fact that she was turned down by another company because she has no credit history for the past 20 years or more. This company appears to have made no inquiries at all as to her creditworthiness.
Product: Vehicle loan or lease

I called Ally Financial at XXXX to ask for the pay off amount to clear the debt. I was given the amount of {$16000.00}, which was good through XX/XX/year>. I paid that exact amount by phone with a debit cardf that same day. I received a notice on mz Ally Financial App the next month stating that I OWED an additional payment of {$430.00}. When i called to speak to a live person, I spoke with a gentleman that I could NOT understand as his XXXX was very broken. I asked for a different rep, which was a woman, who rudely told me that the amount that I paid was not the correct pay off amount and that i was responsible for the remaining {$430.00}. I told her that I took notes and wrote down the amount given to me by Ally. Which is what I paid. Now I have come to realize that there is a delinquent amount of {$430.00} for my auto loan. I refuse to pay itbecause I was lied to by an Ally employee! The account number for the loan is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I've been a victim of identity theft and attached is my identity theft report. I even contacted all the original creditors department and they cant even find my social security number in there System. I demand these accounts be blocked and delete in 15 days or I will contact my attorney General office and file a suit against you.. I have contacted my local police authority to assist me with finding who is behind this. This is a real nightmare, I have been dealing with debt collectors harassing me about accounts I have no knowledge of nor consent opening. Im tired of Transunion sending me automated letters verifying these fraudulent account. I even have a repo on my credit report, which never happen to me. I have contacted Transunion and even the debt collectors to get this issue resolved several times and all they send is a automated answer saying they verified it, yet the furnishes don't even have my social security number and there database. I know my rights are being violated. Im a XXXX percent permanent and total XXXX vet who is crying out for help.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX
Product: Credit reporting

Experian is currently reporting a Ch XXXX Bankruptcy on my personal credit report. However, the name and address associated with the bankruptcy does not match either of mine. I have requested they remove the item but they have not yet despite my continued disputing of the item. 

The associated line item has an acct # of XXXX on my credit report.
Product: Credit card or prepaid card

Target allows only three online payments a week. Why? To make a fourth payment in a week, I have to call or go to a Target store. Why? An agent was unable to explain other than state that is the policy. Why is it the policy? Consumer-friendly credit card companies allow typically seven payments a week. Making me ( and others ) jump through a hoop to make a payment seems like it is discouraging customers from making payments.
Product: Mortgage

On XX/XX/2023, I filed a CFPB complaint : XXXX against Carrington Mortgage Services , llc . CFPB received a response to my complaint from Carrington Mortgage on XX/XX/2023. I was never made aware of the XX/XX/2023, Carrington Response to CFPB until XX/XX/2023, delivered to me by XXXX with tracking. 

Please be advised that CFPB has redefined Complaint : XXXX as follows ; Alias, Complaint ID : XXXX. Apparently, CFPB has made an assumtion that Carrington served a timely copy at the same time of their receipt and immediately closed my case. Yet, as stated in paragraph one, I never received a copy until 3 months later. Otherwise, it would be unlikely that I would have to be filinig this third complaint against Carrington Mortgage. 

In this case I am charging Carrington Mortgage with a 'Criminal Act of Extortion ' in wrongfull solicitation of {$200.00} from money from me by telephone.the solitci. The first two pages in their response is as follow ; " We assumed that you were lapsed on your homeowners insurance therefore we paid our insurance company to take over as your new homeowners insurance company. Initially having received a letter from this company I called and spoke with one of their employees. I informed her that my homeowners insurance was paid up to date and had sent them receipts. She told me that we have no record of your payment. She went on further to say that if I did not authorize a payment of {$200.00} to Carrington Mortgage that they would move to process the entire loan amount on my property due. With doubt that they actually paid {$200.00} to an insurance company without giving me notice, I surrendered my checking account number to her over the phone. The company now admits in their response that they were wrong to have asked me for this payment. So what is legal argument does Carrington have to not return my money by check? They sent me a letter stating that they had already paid an insurance company on my behalf. I'm not buyiing that as the truth and if unchallenged they are making a lot of money from this homeowners insurance scam. Furthermore, if I don't receive a check from Carrington Mortgage in the amount of {$200.00}, I will take legal action against them as evidenced by this case # XXXX and file a new case against Carrington Mortgage with CFPB. 

I strongly urge CFPB to advise Carrington Mortgage to send a check payable to XXXX XXXX XXXX, XXXX, in the amount of {$200.00}, before or by close of this now third complaint. If my request is not resolved by this informal request, I will refer it to the next higher level.
Product: Mortgage

On XX/XX/XXXX I was approved by my XXXX church for assistance through them and was given a check by XXXX XXXX for my mortgage I went to US Bank XXXX XXXX XXXX XXXX XXXX, AZ XXXX at approximately XXXX XXXX. And was told I couldn't pay my mortgage due to being on forbearance and was advised to call and request to be taken off forbearance. 

XXXX XXXX I called US Bank XXXX XXXX mortgage department and spoke to a representative that was very rude and I got into a verbal confrontation with and I ended up cussing at him then regained my composer and had to ask for his Supervisor at least 20 times before he would put on the phone ( I have this recording as well ) his Supervisor got on the phone and told me u was not in forbearance I was in the stage right before that but assured me that he was taking care of it. 

So again I went into US Bank and attempted to pay my mortgage with the check I got from my church. Again I went to the teller and was told I couldn't make the payment due to being in forbearance and was instructed to call the home mortgage depot which I did and was instructed to give them the check routing number and account number to pay over the phone and was instructed that my forbearance was taken care of but it would be approximately 30 days before it would update in the system. 

XXXX XX/XX/XXXX. I was just checking all my accounts and when it came to the US Bank account I noticed that my mortgage account numbers were off so I clicked on the account and saw that the payment was reversed. So I went into the branch on XXXX and XXXX in XXXX AZ. And spoke to XXXX who made a call back to the mortgage deposit I talked to XXXX employee i.d. # XXXX who advised me that I needed to speak to a senior account representative before I could speak to a supervisor so I did and I immediately told him turn me over to a supervisor and that when I was put on the phone with Gaberial out of XXXX CA I.D . # XXXX who was very rude and told me I have to talk to a loss mitigation specialist so I asked to talk to his boss to which he said there is no one above him at that office and I would have to file a complaint. He got back on the phone with XXXX and about 30 minutes went by and I was put back on the phone with XXXX i.d. # SVN who was in loss mitigation the retention department and she advised me that who ever I talked to before didn't take me out of forbearance she had to just put in her code and I would be taken out but I would be 5 to 7 business days before I could make a payment
Product: Bank account or service

the amount of XXXX is owe to me by XXXX XXXX XXXX and I received a beived a personal check and it had insufficient funds. account was open by a person I did not do business with and it had the contractor signature on check. Need to expose this person he does not scam anyone else.
Product: Debt collection

In the past 45 days, the BRIDGECREST loan servicing bank has been paid XXXX payments, and there is a XXXX month skip pay agreement added for XXXX. This would make XXXX payments to the bank, and the balance owed has not changed. The only amount applied to the current balance is a {$300.00} payment made this month, and the loan services is continuing to ask for another full payment by months end. The past due balance was {$710.00} when the agreement was signed, which is less than XXXX full payment or XXXX months skip pay which would be {$450.00} plus {$450.00}. There should currently be a credit balance on the account after applying the {$300.00}, not an additional {$560.00} due. And they can never find where the money went.