23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2019 Called & Cancelled all cable & internet services effective immediately & requested removal from auto payments. Returned all equipment & have receipt. 
XX/XX/2019 Continued to be charged for services thru XX/XX/2019 & checking account was auto debited another {$240.00}. When I called, they advised that cable was " scheduled '' to be cancelled, but internet was not & nothing could be done about amount debited. There is major miscommunication between XXXX XXXX XXXX XXXX XXXX XXXX on billing and cancelling- After multiple calls and hours of waiting, rude customer service agents, some nice customer service agents who explained they hear this all day, & promises of calls back, finally received from statement showing {$190.00} was removed & {$0.00} due. 
Then received bills again from XXXX XXXX XXXX for same service & same amount due again {$190.00} No amount of phone calls could fix this. Service was cancelled & we paid an additional moth. We have an invoice clearly showing {$0.00} due and still was sent to collections for amount by XXXX XXXX XXXX XXXX {$190.00} There is major miscommunication between XXXX XXXX XXXX XXXX XXXX XXXX & they are double billing. I disputed this and they sent back only XXXX XXXX XXXX statements and disregarding the XXXX statement which is for SAME account and shows {$0.00} due after multiple phone calls and being transferred to all different departments within the 3 company names.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX from XXXX XXXX on XX/XX/21. The vehicle had SO MANY problems, that I had to bring it back within 2-3 days of the purchase! Within the first 30 days of signing the paperwork for the car, the dealership had the vehicle in the repair shop for 27 days!! I asked to cancel the sale and stated I would prefer another vehicle or go somewhere else! I was refused! I've only had this vehicle in my possession for 3 months and I've had to take it back to XXXX XXXX for oil to be added twice, plus I've had to put oil in it myself 3 times!! This vehicle leaks oil, and the drivetrain malfunction light comes on every time I get on the interstate and go over 60 miles per hour!! There isn't a warranty on this vehicle and they knew it had MAJOR issues before selling it!! I told them this vehicle was a LEMON and should not have been on the lot!! 

As a female, I feel I was taken advantage of and the General Manager has NOT returned any of my calls and replied to any of my emails!
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX ; Account : XXXXXXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX will not return my phone call or give me the correct email to dispute this off my credit report properly. I am demanding this ( XXXX XXXX ) to be removed off my credit report or I will bring on a lawsuit starting next week. I never signed and agreement with XXXX or XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX is violation of my right per FCRA. This is affecting my life and needs be handled. POLICE REPORT ATTACHED BELOW
Product: Credit card or prepaid card

Discover card was not mine Im Not sure who opened this card
Product: Debt collection

after numerous attempts by phone, \I requested that they remove these charge-offs and closed accounts and they said they were valid, when I did not live at any of the addresses they have on file, nor have I done business with these companies. I am sending in my plea for help in this matter a second time due to the information continuing to affect my credit scores for home purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some account from my credit report ; however, there is still account that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is deleted. 
XXXX XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XX/XX/XXXX, has violated my rights. 

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

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

I submitted a complaint earlier and after waiting over a month I got a response and talked with a XXXX XXXX XXXX and he informed me that Bayview screwed up the repayment plan. I was then told on the XX/XX/XXXX that they had put a response on the Vice Presidents desk who was out of the Country probably conducting more illegal business for Bayview and that a decision to waive a payment and bring the account current was going to be done. Then two days later I get a Notice of Default and Intent to Accelerate notice in the mail after XXXX told me that since Bayview screwed up the figures and breached the contract. Bayview is nothing more than a fraud and illegal business practice and maybe somebody at this company should advise the Government to overtake this loan company and get people in prison and correct the problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters stating facts of accounts on my credit report that are reporting incorrectly or cant be verified.
Product: Credit card or prepaid card

My Bank of America credit card BankAmericard Visa Platinum Plus - XXXX was stolen. Somebody went on a shopping spree in XXXX. Once I discovered the fraud, I immediately started calling Bank of America every day, sometimes 2-3 times a day. naturally, every time I called, I got different answers to the same question. Finally, after a giant amount of wasted time, Bank of America filed fraud for some of the transactions and willfully failed to exclude some additional transactions, all happening in XXXX while I was in the US. Walking to a banking center proved useless, as employees said they could not help with a credit card dispute. Bank of America is so " big to fail and even bigger to jail '', that their " customer service '' does not know how to handle fraud claims and the different departments handling fraud, have no idea of customer service. My same card was previously compromised several times, even during transit, when I had not yet received their replacement. In a nutshell, dealing with Bank of America is extremely time consuming and beyond frustrating. Additionally, average wait times vary between 15 & 45 minutes, of course with the usual slim excuse : " Your business is important to us, please continue to hold ... '' On top of that, I spent easily 50 hours online, trying unsuccessfully to file fraud claims myself for all the charges, resulting from my stolen card, and naturally, I was not able to. I have told them at least 20 times that all transactions from XX/XX/2018 onward should be marked as fraud, and so far, I have not been successful. I am attaching a statement from their web site for your reference, thanks!
Product: Payday loan, title loan, personal loan, or advance loan

Interest, interest fees, late charges completely to high. It makes it almost impossible and very difficult to be success in repayment. I can not make the cost of household bills. I had to choose to keep my apartment and utilities and car paid or loose it and continue to pay the payday line. I tried to uploade the loan agreement to up load to this complaint but I am unable to due to the loan overview button on XXXX website is grayed out. I guess I no longer am able to review my contract.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Urgent Final Notice of Legal Action To Whom It May Concern, This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Product: Credit reporting or other personal consumer reports

I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. Consequently, I am formally asking for these accounts to be blocked and removed from my report. It is important to clarify that this request is not due to any mistake or negligence on my part, but rather because I did not explicitly authorize the inclusion of these transactions in my report.
Product: Checking or savings account

On XX/XX/ XXXX XXXX XXXX XXXX  a check for XXXX dollars was deposited into my daughters account at a ATM that wasn't associated with my account or her account and they made the funds available at XXXX on XX/XX/XXXX and someone withdrew XXXX at the same Atm .Me or my daughter did not withdrew the funds. I called the bank and also went into a branch to try to resolve the situation and now they are trying to make me liable for the money that was withdrew, because they said her card was use and her pin. I am the owner of the account because my daughter was XXXX XXXX age when she got this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

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

I have an inquiry on my credit report from Oportun Inc./Progreso financial on XX/XX/2022 and XX/XX/2022 and I NEVER applied for a loan with this company. I reached out to Oportun  about XXXX  months ago and I have the letters of correspondence stating they apologize but nothing has changed. They continue to sell my information to the Dark Web and I receive harassing calls daily from them and other companies attempting to get my personal information. I have also received letters from them asking me to do business with them since I reached out to them to remove me from their contacts!
Product: Credit reporting

I submitted a dispute with Transunion because there was XXXX incorrect item left on my mortgage after a previous dispute and the other credit reporting agencies had recently deleted the file after they failed to fix all the incorrect data.It seemed insignificant but I was told it could cause red flags with the mortgage company underwriters. Instead of fixing the report or deleting this file. This agency re-reported previously removed data that had been verified by the creditor after an investigation by the Executive Response Unit. It did list payments as on time but in the written details it listed the payments as being 120 days late and shows reaffirmation in bankruptcy. I was unable to submit supporting documentation when I filed the dispute as the system would not allow me to submit it for some reason. I did not push the issue because I did not think they could re-report information that they had already verified as incorrect. I figured if the other credit reporting agencies deleted the file then this agency would also. We are losing out on getting a new mortgage and potentially losing a substantial amount of money due to inconsistencies in the data that is reported between the agencies and the time it takes to resolve these issues. 
I have attached the letter frim the creditor outlining numerous mistakes on my account. Most of which the dispute department does n't have or fails to provide to the reporting agencies. The triple report that I used to file the dispute and the recently updated report from Transunion
Product: Payday loan, title loan, or personal loan

Hello, Im writing to you to explain this jumble of screenshots. On XXXX XXXX I ordered an XXXX XXXX from XXXX XXXX XXXX. A third-party seller through XXXX. I paid with Affirm. On XX/XX/XXXX, I got notification that the package had been delivered. It said no signature required and there was no picture or other proof of delivery. I went down immediately to get my package and it was not there. 
Since then I have filed three A-to-Z claims with XXXX and when denied every single time, I disputed it to the highest power I could and spoke with customer service multiple times. But again it was denied. XXXX said they could not help me because it was with a third-party seller and basically asked me to stop contacting them. 
I then went to FedEx to try and file a report for a missing package. They told me I could file a claim so I did, however it was denied and upon further correspondence they informed me that though the seller and them both had insurance for such a package, I was just the recipient I would have to have the person who shipped it ( XXXX XXXX XXXX ) file the claim with XXXX. 
Since I have not been able to get any sort of helpful response through the XXXX chat feature with The XXXX XXXX Ive found their phone number online and began calling them. They at first said that they would contact XXXX. They never called me back so I called again a few days later and they said XXXX had told them the package was delivered successfully. I went on to tell him that I know that this is what it says but I never received it and they must have some sort of insurance on the package that they could file to receive and then refund me. Ive called them three or four times since trying to urge them forward on the matter, but every time they tell me they will look into it, they never return my calls. 
Today when I tried to call I received a busy signal so Im not sure if theyre out of office or if theyve just decided to stop answering my phone call. When I explained this all to XXXX XXXX in XXXX, they told me I should cancel the debit card I had on file with Affrm. I did this but at this point in XXXX, with no payment from me, it has started to negatively affect my credit score. 
On XX/XX/2022 at XXXX EST. I spoke with an XXXX XXXX  XXXX representative to discuss my possibilities. She said if I payed off what was due, once it was posted I could then go and dispute the charge. As of XX/XX/2022, I have paid the {$220.00} in question in attempts to not permanently hurt my credit score. I am now looking to dispute this charge in hopes to be reimbursed. 

As of XX/XX/2022 I had payed through affirm and then disputed the charge with my bank. XXXX XXXX XXXX. This resulted in the bank taking the money back from Affirm at this time. It now says I still owe Affirm money. At this point I dont know what to do. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and the FTC report for the fraudulent accounts that were opened using my identity and credit. After XXXX, Transunion, and XXXX conducted their investigation of the following accounts they still refused to remove these accounts which are fraudulent. 

XXXX XXXX Adjustment - Account Number XXXX - Amount : {$360.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXXTRANSUNION XXXX XXXXXXXX XXXX Account XXXX XXXX - Amount {$600.00} XXXX XXXX - Account Number XXXX XXXX XXXX {$950.00}
Product: Credit reporting or other personal consumer reports

I signed up with XXXX XXXX in XXXX Georgia on XX/XX/year> on a month to month basis. I informed them that I do not need a long contract as I need the gym for two months only in preparation for a race on XX/XX/year>. For a month-to-month service, I agreed to a higher monthly rate. On XX/XX/year> XXXX charged my prepaid card on file the sum of {$58.00} representing two months of service ending on XX/XX/year>. My last visit to XXXX was on XX/XX/year>, less than two full months from my first visit on XX/XX/year>. I told the staff on site to discontinue my service. 

According to XXXX month-to-month plan, membership ends once payment stops. Yet XXXX continued to attempt charging my prepaid card, and sent the account to collections when unsuccessful. 

XXXX XXXX and XXXX XXXX XXXX contacted me about the account. I gave them the facts, and asked them to produce evidence I was in a long term contract with XXXX, and evidence that I visited XXXX after XX/XX/year>. On XX/XX/year> XXXX XXXX of XXXX XXXX replied to my email that she was putting my account on hold to investigate with her client, and that she will get back to me. She never did. They reported to XXXX XXXX instead.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding XXXX XXXX a company that contacted me in XX/XX/year> about my car lease. Based on the detailed information they had about my lease, such as the end date and the specific model of my car, I initially believed that XXXX XXXX was affiliated with XXXX XXXX XXXX and was reaching out to discuss my options at the end of my lease term. 

During my conversation with a XXXX XXXX representative, I was informed that they needed to run my credit to explore my loan options, and I agreed to this request. However, I was led to believe that my credit would only be run through XXXX XXXX XXXX. At no time was I informed that my credit would be submitted to multiple lenders, nor did I explicitly authorize such inquiries. As a result, multiple hard inquiries appeared on my credit report, which I did not consent to and was never made aware would happen. 

After discovering these unauthorized hard inquiries on my credit report, I contacted XXXX XXXX XXXX and learned that XXXX XXXX has engaged in this practice with other customers in the past. The lack of transparency, as well as the failure to properly inform me about the credit inquiry process, has caused significant distress and confusion. 

To protect my credit, I have placed a fraud alert and a security freeze on my credit file. I am also in the process of disputing these unauthorized inquiries, but the process has been difficult and frustrating. 

I feel misled by XXXXXXXX XXXX  actions, particularly because the details they knew about my situation led me to believe they were representing XXXX XXXX XXXX. The unauthorized inquiries have negatively impacted my credit, and I am seeking your assistance in addressing this issue. 

I respectfully request that the Consumer Financial Protection Bureau investigate XXXXXXXX XXXX XXXX practices and take appropriate action to prevent further harm to consumers. I also ask that they be held accountable for the unauthorized credit inquiries they have caused. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting

TransUnion was notified by XXXX and by myself that I am a victim of fraud.Police report was submitted and reviewed which mentioned that I am a victim. TransUnion failed to delete the XXXX # XXXX. TransUnion is aware that address XXXX, XXXX FL XXXX was fraudulently used to open account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested that three accounts be verified.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 
I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) 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. 
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX Unverified Account XXXX, XXXX XXXX Unverified Account XXXX, XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm never late on these accounts. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please repair and update these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX, XXXX  I contacted the following credit Bureaus XXXX, XXXX, AND EQUIFAX, I filed several disputes, it has been over 30 days and I have received no answers to my disputes, pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES, once a consumer has filed a dispute the credit bureaus have 30 days to respond, they have not done so this is a violation.