23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to XXXX XXXX ( aka XXXX XXXX ) in XX/XX/XXXX/ XXXX XXXX. First I went for XXXX & then I went for doctor 's visit/ XXXX. I paid for both visits in XX/XX/XXXX. I have receipts for the visit - printed & credit card tape. In XXXX XXXX I started receiving calls from a collection agency. I provided copies of the receipts from the payment as well as a copy of my bank statement with the money coming out of my account. The collection agency said they could not stop calling me until the office told them to stop calling me. I sent the receipts and a letter of complaint to the doctors office and I fired my XXXX that I had been going to for approximately XXXX years because I had recurring billing problems with them in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They did not acknowledge the letter or the receipts. They did not call off the collection agency. However, I know that they did receive the letter and receipts because when I went to my new XXXX this year, instead of sending my medical records that I requested and paid $ XXXX- {$25.00} for them to send, they sent a copy of my letter of complaint and my receipts. 

I do not recall the specifics of the issue with the XX/XX/XXXX bill. I have been remiss about checking my credit. I think they charged an old insurance instead of a current one. However, I thought it was resolved long before my appointment in XX/XX/XXXX. Additionally it did not show up as a previous balance on my invoice for XX/XX/XXXX. 

How do I get them to resolve this? 

Note : I do not have the copies of the invoice & receipt with me. I would like to opportunity to upload them later even though they already have them. I did upload my bank statement that shows the money coming out of my account.
Product: Student loan

On XX/XX/XXXX I was checking my Credit Score on my XXXX XXXX XXXX site and observed these two loans listed as XXXX XXXX XXXX XXXX I performed a XXXX search and called ( XXXX ) XXXX XXXX and spoke to XXXX and informed her that person ( XXXX ) unknown took out these loans fraudulently. She informed me that the loans were for XXXX XXXX. I then called ( XXXX ) XXXX at XXXX and was informed to send two emails. One email to XXXX and another email to XXXX. I sent the emails at XXXX that day, Wednesday XX/XX/XXXX. I receive an email on XX/XX/XXXX from the Assistant Vice Presisdent if XXXX XXXX  XXXX XXXX stating that the fake account was closed out with XXXXXXXX XXXX for identity theft. I notified the XXXX credit bureaus, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and am still trying to file a report with the XXXX Department of Education XXXX of the Inspector General at ( XXXX ) XXXX I filed a report ( XXXX ) with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Aidvantage refuses to freeze these two fraudulent loans.
Product: Credit card or prepaid card

Bloomingdales credit card has an account on my credit file that doesn't belong to me. it states the card was opened in XXXX during this time I was a victim of Identity theft I have written multiple letters and filed a police report. I believe someone in my family stole my identity they have opened multiple account in my name as well as bank accounts, credit cards and loans. when first learned of this I was sure what I was suppose to do to get my life back. This has been the worst nightmare trying to obtain my identity back. I was unemployed from XXXX to XXXX and never applied for any credit, I wasn't in a position finically to pay anything or even apply for credit knowing I didn't have a steady job.
Product: Debt collection

I recently wrote an email to Best Buy about harassing me concerning a payment for my account. I was making payments, but they continued to call me two to three times a day nonstop. Dealing with XXXX, this did not help me but only frustrated me more. Afterwards, I sent an email informing of filing a complaint and the calls ceased. However, they illegally took an unauthorized amount of {$80.00} out of my account. The payments were setup for {$27.00} and without my permission, Best Buy took the past due amount. This illegal action caused my bank account to be overdrawn. I will never buy anything from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with XXXX XXXX XXXX XXXX XXXX. There is also a personal loan with moneylion inc. that took place in XX/XX/XXXX. Aslo there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXX XXXX  that i need off. It was opened XX/XX/XXXX. There is also a dent buyer account that is {$500.00} past due on my experian report, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I applied for a personal loan and was denied 3 times from 3 different .companies.

1. First company was XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) ( XXXX XXXX The reported score is XXXX. 

2. Second company was XXXX XXXX in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ). The reported score is XXXX. 

3. Third company was XXXX ( XXXX ) in the amount of {$5000.00}. They decline my application based on the credit reporting agency beacon score ( XXXX ) The reported score XXXX. 

above shows 3 different credit consumer bureau with 3 different scores. I have no creditors showing late or default. all payments made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for a loan for my sons XXXX XXXX with XXXX XXXX they said they would use XXXX now there are over 10 hard inquiries on my credit report. 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. i also went to a car dealership they they said they would only use XXXX now there are over 5 hard inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the inaccurate personal information that continues to appear on my consumer report, despite multiple prior disputes. This is my 3rd attempt to have this matter resolved. 

Enclosed with this letter, I have included a copy of my government ID for your reference. Only the name listed on my government ID should appear on my consumer report. I demand that all other inaccurate or outdated names and personal information be permanently removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information you report ( 15 U.S.C. 1681e ( b ) ). By continuing to report inaccurate personal information despite my repeated disputes, you are in violation of federal law. Specifically : Failure to Correct Inaccurate Information ( 15 U.S.C. 1681i ) : You are required to conduct a reasonable investigation into disputes and correct or delete any information found to be inaccurate. 
Negligence in Maintaining Accurate Records : This ongoing issue demonstrates a failure to comply with your obligations to maintain accurate records, causing unnecessary harm and inconvenience. 
Your failure to comply with the FCRA exposes you to liability, including potential statutory damages of up to {$1000.00} per violation, as well as punitive damages, court costs, and attorneys fees if this matter escalates to legal action. 

I request that you take the following actions : Immediately delete any inaccurate personal information from my consumer report. 
Provide me with a revised copy of my consumer report to confirm that all inaccurate information has been removed. 
Confirm in writing that the dispute has been resolved. 
Please consider this letter my final attempt to resolve this matter amicably. If this issue persists, I will have no choice but to explore my legal rights under the FCRA to ensure compliance and seek appropriate remedies. 

I look forward to your prompt resolution of this issue. Please respond within the required 30-day period, as stipulated by the FCRA.
Product: Debt collection

i received a letter stating I could make payments as low as {$25.00} bi monthly and the representative stated that I needed to pay half the debt and then could make payments so he began to demand {$1800.00}. My industry was shut down for 8 months, XXXX. XXXX. I offered {$25.00} a month and then in 3 months {$50.00} a month and in XXXX more months {$75.00} a month and so forth as we are moving to reopening. He demanded {$1800.00} which I don't have. No where in the letter does it state that you must pay off half of your debt in order to begin a payment plan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$12000.00} This account has been charged off as a bad debt which is now considered income for me that is required that I file on my taxes according to the IRS and the FCRA income should not be reported on my consumer report The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate.Duty : a moral or legal obligation ; a responsibilityAccurate : correct in all details ; exact.Prohibition : a law or regulation forbidding something. As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 says a furnisher of information to a consumer reporting agency is PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif thepersonknows or hasreasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt.
Product: Credit reporting or other personal consumer reports

I WAS APART OF THE DATA BREACH AND THERE IS A ACCOUNT FROM XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX FOR XXXX BEING REPORTED BY EQUIFAX AND XXXX ON MY CONSUMER REPORT. I DO NOT RECOGNIZE THESE ACCOUNTS THEY ARE CAUSING ME TO NOT BE ABLE TO APPLY FOR A MORTGAGE LOAN AND THEY NEED TO BE DELEATED IMMEDIATLY. THEY ARE NOT BEING REPORTED ON MY CONSUMER REPORT BY XXXX SO THAT IS CONSIDERED INACCURATE REPORTING AND IT WAS ADDED TO MY REPORT WITHOUT MY WRITTEN CONSENT ACCORDING TO 15 U.S CODE 1681B ( 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 instructions of the consumer to whom it relates. AND P.L 90-321 ( 82 STAT.146 ) WHICH IS A VIOLATION OF MY RIGHTS. I WAS NEVER NOTIFIED ABOUT THIS BEFORE IT WAS REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute the bankruptcy reporting on my XXXX, TransUnion and XXXX credit reports in connection of a violation of the fair credit reporting act. Account : XXXX XXXX XXXX XXXX XXXX Please remove account immediately. account is reporting in error. 

15 U.S.C 1681 section 602A states that I have a right to privacy.. 

15 U.S.C also states that can not be furnished without my written consent Remove this account or provide my written consent to publish
Product: Vehicle loan or lease

In XX/XX/year>, I entered into a lease agreement with GM Financial for a vehicle. In XX/XX/year>, I relocated from XXXX XXXX XXXX, requiring me to re-register the leased vehicle with the Arizona Department of Transportation ( ADOT ). ADOT mandates that GM Financial, as the lessor, provide specific documentation, including a Lessor Authorization and Power of Attorney, to facilitate this registration. I promptly submitted a Relocation Request Form on GM Financials website and followed their outlined procedure to initiate the transfer. 

Starting in early XX/XX/year>, I began reaching out to GM Financial to ensure the necessary documents were sent to ADOT. I faxed and emailed the Lessor Authorization and Power of Attorney forms to GM Financial multiple times. Since submitting the initial relocation request, I have made numerous follow-up calls and emails, seeking confirmation and tracking information that the required documents were sent to ADOT. 

On XX/XX/year>, a representative from GM Financial informed me that the documents had been sent to ADOT. However, when I visited ADOT on the same day, I was told that they had not received any documentation from GM Financial. This has left me unable to legally register my vehicle in Arizona, as ADOT can not complete the process without these documents from GM Financial.

As of today, GM Financial has failed to provide me with tracking information or any substantial proof of submission, despite my continued efforts to obtain this information. Each time I contact them, I am given vague assurances that the issue is being " handled, '' yet ADOT remains without the necessary paperwork. This lack of accountability from GM Financial has put me at risk of legal penalties for driving an unregistered vehicle in Arizona, as I am unable to comply with state registration requirements due to their inaction.

This ongoing issue has caused significant stress and inconvenience, as I have spent over 10 hours attempting to resolve this matter without success. I am requesting the CFPB 's assistance in ensuring that GM Financial fulfills its obligations, allowing me to legally register my leased vehicle in Arizona.
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to the equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that XXXX and Equifax update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line
Product: Debt collection

On XX/XX/XXXX, the following company aargon claims that I opened an account with their establishment owing currently the sum of {$110.00}. As of XX/XX/2022, the company continues to claim that I owe as shown on my credit report. The following company XXXX XXXX listed fradulent claims of debts owed on my credit report, which are heinous, inaccurate, and false. This company has not provided any legal or binding contractual information showing that I entered into an agreement to pay the funds they claim I owe. According to the Fair Credit Reporting Act, this creditor is legal bound to provide accurate information. They are violating this legal ramification as I have no knowledge of this account nor have entered into any agreement with this company. I demand this be removed immediately.
Product: Credit card

On XX/XX/XXXX, I noticed that there were strange transactions, repeated credits and debits on a card that should have a XXXX balance. I reached out to Hilton Honors Amex, numerous times on XX/XX/XXXX, XX/XX/XXXX and the XXXX, trying to resolve the situation. I was supposed to get a resolution within XXXX weeks. The company has never updated me on this case and it's been months. No one can explain the situation or rectify the situation, just telling me I owe over {$1100.00}.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
REV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX & XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have a 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: Debt collection

This bill was removed from my report and I dont know what this bill is. I get a collection notice from XXXX  after I told them it wasnt mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year, Experian has repeatedly refused to remove unverifed Bankruptcy from my credit report therefore defaming my character. When I call by phone asking for their source of the bankruptcy I'm told it's XXXX XXXX. When I have asked for that to be sent to me in writing per FCRA guidelines, I'm told they are not required to provide me this information which is a direct violation of FCRA. Experian website states their data source is XXXX XXXX. So in XX/XX/2022, after Experian once again claimed the XXXX as supposedly legally verified I contacted XXXX XXXX. XXXX XXXX subsequently deleted the XXXX from both their verified and unverified files. Therefore, by law, Experian should have deleted the bankruptcy and yet they have refused to do so. This is yet another violation of the FCRA and my consumer rights. Furthermore, there are clear discrepancies with the bankruptcy listed ; it has way too many name variations, it does not include my DOB or full social security number. Just another reason why it should be deleted from my profile. 

Experian is in clear violation of FCRA guidelines and my consumer rights.
Product: Credit card

I ordered through Chase gift cards ( {$800.00} in total ) using points on XXXX. They said the cards would arrive XX/XX/XXXX. On XX/XX/XXXX I called because the cards hadnt arrived and was told to call back in a few days ( i.e. give it a few more days ). I called back XX/XX/XXXX and was told the cards had in fact been delivered XX/XX/XXXX ( on a Sunday? ) and they needed to " escalate '' the matter ( open a claim, for which I received a ticket # ). I called back after XXXX and was told the cards were coming through XXXX and received a tracking number. The cards are showing on XXXX that they have not been sent out. The person ( XXXX ) I spoke with today said I would have to open a claim with XXXX. After asking to speak with a supervisor, I waited on hold for quite some time ( not the 40 min. they projected, more like 15-20 ) and spoke with XXXX a supervisor. XXXX was the most indifferent of the lot. I asked for the points to be added back to my card. He said they could resend the cards and the others would be cancelled, but he could not cancel the cards and just put the points back. Then he said he would open an escalation ( no number to provide, though I got one the first time ) and that someone in Marketing would decide if the points could be restored to my account; if not, then the cards would be sent via XXXX (! ) and arrive within 3-5 business days. XXXX epitomized customer no-service.
Product: Debt collection

On XX/XX/2016, XXXX XXXX, XXXX, MI performed XXXX ordered by XXXX XXXX, XXXX. {$380.00} bill submitted at end of visit and paid in full w/ XXXX. XXXX sent additional bill dated XX/XX/2016 for {$88.00} for XXXX XXXX XXXX XXXX. XX/XX/2016 letter mailed to XXXX disputing bill and telephone call to XXXX. XXXX XXXX did not order this test & stated same in XX/XX/XXXX letter. XXXX letter dated XX/XX/2016 denying XXXX order mailed to XXXX on XX/XX/2016. On XX/XX/2016 complaints submitted to XXXX Attorney General, XXXX Attorney General and XXXX Attorney General. Communications from these agencies stated XXXX did not respond to inquiry. {$88.00} turned over to collection agency, American Medical Collection Agency. I sent several letters and made two telephone calls giving facts regarding fraudulent bill for lab work which was not ordered. XXXX has ignored all communications between customer and State Attorney Generals.