23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX for my, then XXXX yr old daughter XXXX. I have XXXX XXXX XXXX. through the XXXX XXXX XXXX in XXXX Nv. I pre authorized the work on XXXX. The XXXX was done on XX/XX/XXXX. A XXXX later, if there was some problem with the covered amount, they had plenty of time to know. I came to pay it in full after a XXXX months of small pmts. and XXXX XXXX XXXX XXXX 's staff said I owed XXXX I have a written pre auth for {$630.00} So I said they needed to call XXXX XXXX again and straighten this out. It went back and forth, They would say I only owed XXXX then back up to XXXX ... I got a note from XXXX, a office staff person at XXXX XXXX 's, saying that she called XXXX and I and my daughter were fully covered and she resubmitted, that was XX/XX/XXXX ... months later. XXXX XXXX, I got a statement form XXXX XXXX Saying the amount I owed my provider, {$630.00} exactly. I sit here now XX/XX/XXXX, The Collection Service of Nevada has garnished my wages, I make {$XXXX} per hour, and I will have trouble feeding my XXXX children, and making mortgage. I have had this problem with XXXX other dentists in the XXXX area ...??? Is this just how they do business? I ALWAYS have gotten a pre Auth. and always say " Please make sure this procedure is covered to the amount quoted ''. Is that some kind of a joke with dentists? You sign that you will be responsible, Then they do not make sure you are covered to the amount quoted. Knowing full well that you will be on the hook anyway. So when I talked to XXXX XXXX XXXX month, before the attached my wages, The woman was looking over all my documentation she says, " they should have known before the final root canal and cap that you were maxed out ''. So did they know? Sounds like they might have. And XXXX other woman who works with me, has had the same problem with the same dentist, over billing after the quote, with the same Ins.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile I noticed a fraudulent account per following Experian XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
XXXX XXXX  47 % {$470.00} XX/XX/XXXX XX/XX/XXXX {$1000.00} {$470.00} {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Revolving XX/XX/XXXX Closed Charge-off XXXX XXXX 47 % {$470.00} XX/XX/XXXX {$1000.00} {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. 
The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. 
Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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: Money transfer, virtual currency, or money service

On XX/XX/21 I contacted a dog seller on XXXX, seller said they had a yorkie available to ship by next day air. Puppy cost {$900.00}. I zelled XXXX the {$900.00}. The next morning he sends me a email regarding a bill of sell. Transferring the puppy from him to me. Filled the paper and emailed it back. Hrs later they tell me they where on the way to the airport send me a picture and all. Hrs later the airline transporting the pup emails me saying I have to pay a pet deposit of {$600.00} if not they wouldn't be able to transport the pup. I got in contact with the seller and asked them what was that about. They replied saying don't worry it's 100 % refundable and it's just a security pet fee. I sent the {$600.00} through zelle to XXXX. hrs later they emailed me saying they just arrived to XXXX and that me and other pet buyers didn't pay the Transferring of pet from state to state which will cost {$800.00}. I wrote to the seller again telling them that they should have told me from the beginning what my fees wore. They tell me again it's just to transport your pet from state to state. I was do hesitant but naive but I sent the money via zelle to XXXX. three hrs later they have the nerve to ask me for {$1200.00} saying they had to give the puppy 2 shots. Each shot cost {$600.00} and I needed to pay for that. I contacted the seller again requesting my money but of course they declined my request and deleted their XXXX account and won't refund my money. I contacted the bank and explained my situation and said they will email zelle to see if they can get ahold of the persons bank and find out what happened but I just received an email saying that my claim was resolved and no action would be taken.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my report that are inaccurate please remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX Collect XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX Collect XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting or other personal consumer reports

This account was paid in full by the previous owners XXXX XXXX XXXX by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the 30+ days late to be removed from my co borrower and my credit report immediately. We never been 30 day or more late why would we be 30 days at pay off time? I lost XXXX points on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that XXXX  XXXX remove the 30 day late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this 30days late on my credit report stops me for doing anything with this blemish from XXXX XXXX. I cant see how they were able to put a 30 day late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed XXXX 30 day late pop up from a successfully removed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit acceptance corporation paid off why is it still showing take it off XX/XX/XXXX - XX/XX/XXXX XXXX is closed take off XX/XX/XXXX closed XX/XX/XXXX To Many Inquires showing They need to be taking Off As Well any Bad Charge-off showing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/ 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX keeps trying to collect a debt that is past 7 years and trying deceptive tactics. Every time I get mail it's some new collection company trying to collect a debt not owed. 
I get a letter from XXXX XXXX XXXX on XX/XX/2018 and on XX/XX/2018 I get a letter from XXXX XXXX XXXX for the same debt. XXXX XXXX uses other companies as well as practices to reinstate a debt past the statue to collect on.
Product: Debt collection

I recently reviewed my credit report and noticed unauthorized accounts. Kindly ensure these fraudulent entries are eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the agreement with XXXX XXXX XXXX through a CFPB complaint XX/XX/2017 ), they have agreed to contact the appropriate consumer reporting agencies to report that the account was paid in full with a XXXX balance and that there was no prior history of delinquency. This was fulfilled with XXXX and XXXX, but still remains on the Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about  XXXX / XXXX / XXXX   Trans Union  reported  XXXX  student loan as 'unpaid balance charged off '. On other dates listed in credit file number  XXXX  included the same account numbers listed as "  XXXX  '' address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  SD reported account numbers  XXXX  as date opened of  XXXX . Changed to another account number by   XXXX   XXXX  . On other previous occassions  XXXX   XXXX   XXXX  reported 90 day past due marks on credit account. All of which where erroneous.  1 ) Reported payment history deleted 2 ) Reported statues erroneous 3 )  Reported past due erroneous  XXXX . Furnishing certain deceptive forms " It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in. ''  XXXX  False or misleading representations " Communicating or threatining to communicate to any person credit information which is known or which is known to be false, including the failure to communicate that a disputed debt is disputed ''. Sec  617 A ny consumer reporting agency or user if information which is negligent in failing to complywith any requirement imposed under this title.  ( 2  ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorney fees as determined by the court. Sec  611 ( c ) " Whenever a statem ent of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelavent the consumer agency shall clearly note that it is disputed by the consumer and provide the consumer statement or a clear and accurate codificatuin or summary thereof ''.  XXXX   XXXX   False or  misleading representations  ( 10  ) " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ''.
Product: Credit card or prepaid card

This is a follow up on my earlier complaint # XXXX. I was overbilled by a lawyer and I disputed the charge. At the last moment, I got a letter from the bank after almost a month of filing the dispute informing me I only had about four days to get back to them with my defense, or the dispute would be cancelled. I rushed around trying to get it to them, and they said I missed the deadline. I called them and disputed the timeline, and filed a complaint with you the CFPB and then I got phone calls, and they credited my account. I re-sent the documentation. A month went by, and I got another letter informing me to submit more documentation defending my claim. I faxed it via my local branch at XXXX Bank of America in XXXX on XX/XX/XXXX, and also sent the documentation to them. Saturday, XX/XX/XXXX I checked my account and found that the charge had been added. 

I jumped through all their hoops, and sent the documentation, and right now I have been on hold for 40 minutes. We have a lot of money in their bank, and I can't believe how I am being treated, still getting the runaround after all my patience doing whatever they asked. They wasted my time jumping through all their hoops, and didn't even bother sending me a letter explaining why my dispute was turned down. I'm not using their credit card anymore, I'm sick of Bank of America and the disrespectful way they have been treating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account ( XXXX ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX XXXX, # XXXX 15 U.S.C. 1681 section 602 A States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without 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 buy more than seven years.

15 USC 1681 S-2 ( A ) ( XXXX ) 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 or other personal consumer reports

I received an alert that I had inquires on my credit report. 
I viewed my report and I had XXXX inquires that I did not do. 
First one was from XXXX XXXX XXXX on XXXX Discover and XXXX XXXX on XXXX both received applications with my information on them. All XXXX places have been contacted and they have reported as fraud. 
The companies are asking that I report this to have inquires removed from my credit report. 
Please let me know if I can be of assistance. 
Thank you, 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 confidentiality under 15 usc 1681. 

I told the XXXX, TransUnion, and XXXX to reinvestigate these accounts XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify account that isnt reporting correctly. 

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

Hello, I am working to fix my credit and have been able to dispute charges on XXXX XXXX. XXXX has since removed all disputed charges but Equifax continues to report the charges. As of today XXXX/XXXX/2016, I have faxed over all requested information to Equifax a total of 3 times. I spoke to XXXX different CSR 's at Equifax and XXXX told me that my fax was not received, although I have the fax confirmation for both. Also, I disputed the charges via mail as per the " Fair Debt Collection Practices Act ''. XXXX of the letters were returned stating that the address for XXXX Solutions and XXXX XXXX XXXX, did not exist. This is why I disputed online. Please help!
Product: Debt collection

I am writing to formally request the removal of late payment entries from my credit report for the following accounts XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX I take responsibility for the mentioned late payments. In the spirit of fairness and goodwill, I kindly request your assistance in reevaluating these entries.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX {$260.00} Amount Claiming Owned *** XX/XX/XXXX XXXX Date Reported On My Credit Profile *** Requesting *** VOD *** Validation Of Debt FCRA Sections XXXX XXXX ( a ), XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Date opened XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX and XXXX were not properly addressing consumer disputes correctly, but also improperly reinserting inaccurate information back on my report. CFPB has sued XXXX regarding this matter. This lawsuit just proves my previous complaints that both bureaus have not properly done accurate investigations on my report. Any collections and charge-offs should be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Transunion Re : Request to Remove Unauthorized Credit Inquiry Dear Transunion, I recently received a copy of my Transunion credit report and I notice there is an unauthorized credit inquiries made by    XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credit or ) inquiry to determine who requested this credit inquiry.    If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  XXXX   XXXX
Product: Debt collection

company told me my early termination fee was going to be {$300.00} and then sent me a bill for XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>. XXXX. Bank sent email saying my contact number changed. I didn't change anything. XXXX Mortgage employees sent email saying they need payment. I have sent information to XXXX XXXX XXXX XXXX loan land theft XXXX XXXX XXXX Missouri. XX/XX/year> XXXX XXXX and another man practicing here in XXXX Texas. At XXXX location I just rented. I contact XXXXXXXX XXXX in Ohio to explain the Theft of my assets in XXXX Texas and XXXX. XX/XX/year> the XXXX Tx XXXX harassment. Even after XXXXXXXX XXXX  clarification of investigation for me to get them receipts. I am not married to Anyone in XXXX XXXX. XXXX XXXX I don't know him. We don't have church business together. We never worked together in XXXX XXXX XXXX. I don't know why ,53. BankXXXX XXXX XXXX, XXXX XXXX XXXX XXXX to allow XXXX XXXX and other clowns to steal my information and play with my business investment. Please do something XXXX XXXX I met in XXXX  We never had any money transfer or investment in my XXXX XXXX XXXX here in XXXX. These are the only ones I am aware of that have done sorcery here where I am. If the people in this area I am currently. Contacted these clowns then please look into bank robberies here in this area. I have not used my credit card or anything else yet. Please help me.
Product: Credit reporting or other personal consumer reports

I have two inquiries on my credit report that I did not apply for any credit at this time and would like them to be removed immediately XXXXXXXX XXXX XXXX dated on XX/XX/2023 and XXXX XXXX XXXX dated on XX/XX/2023 I have not applied for any credit cards!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened XXXX XX/XX/XXXX 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus told me that XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments to verify what they say is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX