23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and good day. I'M writing this complaint because I have been disputing the Inaccuracy of each of the accounts that i will list and the bureaus ( experian, XXXX, and XXXX ) seems to not care about following the rules of the FCRA. 
I have multiple accounts that are over the statute of limitations and are still reporting as well as an an account that couldn't be truly verified when after i sent in 6 months of letters showing the violations that are on my report.

This is causing my life damages and Im getting tired of dealing with these folk to no avail. My next step is to begin speaking to a consumer rights attorney because this is nonsense. 

1. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX This account has 3 different dates last active so obviously its Inaccurate and now in total violation because they still haven't deleted it. 

2. XXXX XXXX XXXX is reporting a past due on a collection. I read this is A violation of thr FCRA. 

3. USDOEXXXX XXXX XXXX and XXXX are reporting 2 different dates last active and this account is way past the ststute of limitations. Why is this still reoprting?

4. US DEPT ED XXXX All three bureaus are reporting different dates last active, the statute of limitations is up and its been reaged plus theres activity being reported after the account was charged off. Like really? Its like they're intentionally trying to cause me damages 5. US DEPT ED XXXX again all 3 bureaus are reporting 3 different dates last active, the statute of limitations has past but they are reaging the account and XXXX is reporting activity after this account was Closed.
Product: Debt collection

My XXXX XXXX  XXXX XXXX moved out in XX/XX/XXXX, she took my personal information without me knowing and opened several credit cards in my name and overcharged them. One credit card was opened with XXXXXXXX XXXX another one was with XXXX XXXX. XXXX XXXX was opened in late XX/XX/XXXX or early XXXX of XXXX and XXXXXXXX XXXX  was opened in late XXXX of XXXX. Both times the account was activated through the Internet without my knowledge or consent. XXXX XXXX bill is {$2000.00} and XXXX XXXX bill is {$1300.00}. I know she did it because she was the only person close enough to me to get access to my personal information since we lived together for a time.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I asked this credit card company to erase this fraudulent account from my credit history because I did not authorize to open this account. I also did not make any charges with this credit card. My mother impersonated me and opened this account without my knowledge. They sent all bills to her. She knew all my information because she is my mother.
Product: Debt collection

This company is reporting inaccurate information, and amount to my credit report without my permission which is causing tremendous damage to my credit.
Product: Vehicle loan or lease

I was contacted via phone a few months ago by Toyota Financial Services and was told I owed over {$1000.00}, not including the usual monthly payment. When I asked what the additional money was for the representative was n't able to tell me, just that I had to pay the amount. 

When I asked to speak with a manager he was n't able to get a manager for me. I asked if he could just email me the information since I already get all of my bills online anyways but he said the company does n't allow that. 

I 've since been getting harassing calls to the point I 've had to block the numbers that Toyota uses because they do n't leave voicemail 's stating who they are or why they 're calling, apparently that 's also against their policies. So I will sometimes get 5+ calls a day from a random number that never leaves a voicemail.

I found out that the extra charge was for a personal property tax but I also found out that I 'm being charged an additional {$830.00} for a past due payment amount. 
I sent the following to Toyota in an email asking for clarification but they refused to reply to my email. 

" I have been making over the minimum payment to pay towards the " Personal Property Tax '' that I am being charged. My statement is now showing that I owe {$3000.00} and that my " PPT '' has gone from {$310.00} last statement to {$1300.00} this statement. Also, what are these monthly {$840.00} " past due payment amounts '' I 'm being charged? This month it is {$830.00} and last month it was {$860.00}, but the previous two months it was {$840.00}. Please email regarding this because I do not answer phone numbers I do n't recognize and I also require a record of all conversations between Toyota Financial Services and myself for legal purposes. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX associates in Experian, XXXX and XXXX is missing generation identifier. These are inaccuracys On XXXX and XXXX the status updated is XX/XX/XXXX. On Experian it is XX/XX/XXXX. These are inaccuracys. 

On XXXX and Experian the balance updated is XX/XX/XXXX. On XXXX there is no balance updated. These are inaccuracys. 

XXXX, XXXX and Experian do not contain a last payment date. These are inaccuracys
Product: Mortgage

To whom it my concern : My husband and I had a bankruptcy on XX/XX/XXXX, our home was not in the bankruptcy it was to be reaffirm, either the bank got the reaffirm or did n't I keep trying to get our credit for the mortgage and US bank keeps tell me its the credit report that is not recorded. I had to go bankrupt because my husband was unemployed and I could n't keep up on the payments. So we went bankrupt. So we had problems with mortgage payments, so US Bank help use by getting with a Home Affordable Modification Program, but they did n't tell us it was a 54 year mortgage. When we sigh the mortgage we thought it was for 30 years. My last mortgage account number that shows up on my credit report is from XX/XX/XXXXaccount number XXXX, now we have a new mortgage number which is XXXX that started on XX/XX/XXXX. So it 's a new mortgage so why is n't it getting reported to the credit report. We want to know why it does n't get reported. I need help to fined out why they wo n't reported, I have not missed a payment we pay our taxes, and Insurance with the payments. I have sent a letter to, US Bank XXXX XXXX default Management XX/XX/XXXX, on XX/XX/XXXX, Credit Bureau Dispute. I have called the XXXX on XX/XX/XXXX to see if it was them but they looked into it and it was US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX.
Product: Debt collection

Complaint Regarding Medical Services and Billing What Happened : I made an appointment to treat my eye condition, XXXX XXXX, at the XXXX XXXX XXXX XXXX. I recently moved from Arizona and needed a new doctor because I could no longer attend my previous physicians office. My condition is long-term and requires monthly injections without interruption ; missing these treatments can lead to severe complications such as bleeding and irreversible vision loss, potentially resulting in blindness. 

Events : I scheduled my appointment well in advance to ensure I would receive an injection on the same day, as waiting an additional month for treatment was not an option due to the risk involved. The clinic confirmed that I would receive the injection during the visit if needed.

On the day of the appointment, I spent approximately two hours at the facility, mostly waiting despite being the only patient present. After taking pictures of my retina, the doctor intended to give me the injection. However, I was informed that they had not contacted my insurance in time for the appointment, which other clinics typically do as standard practice. 

The doctor stated they would reach out during the week to fit me into the schedule at their main location in XXXX. However, I did not receive any follow-up calls. I tried repeatedly to schedule an appointment myself, calling both the XXXX XXXX and XXXX locations. Each location directed me to contact the other, resulting in hours spent on phone calls. 

When I finally managed to speak with someone at the XXXX location, I was told that the earliest appointment available was in three months. Additionally, I was informed that they would need to take new retina images before possibly providing the injection. Waiting three months was not an option for me, as it had already been 2.5 months since my last injection, putting my vision at significant risk. I urgently had to find a different doctor to prevent further damage. Unfortunately, during this time, my vision deteriorated, and the liquid build-up increased. 

Billing Issue : After the ordeal, XXXX contacted menot to schedule an appointment, but to discuss a bill from XXXX. I explained that I have insurance that covers doctors visits and that I did not receive the necessary treatment during that appointment. I believe I owe nothing, as I did not receive the treatment, and my time and effort were wasted. 

In XXXX, I received a text message from a debt collector ( USCB ) stating that I owe XXXX {$830.00} for this visit. XXXX did not bill my insurance properly, adding further frustration and financial stress. 

Resolution Sought : I am seeking assistance from the CFPB to address the improper billing and lack of communication from XXXX. I want the charge of {$830.00} to be dismissed, as I was billed for the visit and did not receive the necessary treatment, and my insurance was not appropriately billed. Additionally, I seek an acknowledgment of the undue stress, time, and harm caused by their negligence, which led to a deterioration in my vision.
Product: Mortgage

Newrez, my mortgage company, paid a tax lien I did not owe. I'm XXXX XXXX XXXXXXXX veteran and Tax exempt. The tax was owed by the previous owner of my property. Newrez raised my payment by XXXX $ per month. They gave me no notice about the lien or their intent to raise my mortgage payment. Newrez is setting up an escrow account for property tax. I don't pay taxes. I'm exempt according to the V.A. and the state of Michigan. I contacted the office of the Attorney General of Michigan to file a complaint against the XXXX XXXX for filing a lien on my property for taxes owed by the previous owners. The phone number for Newrez is, XXXX
Product: Credit card or prepaid card

You have massive fraud going on related to unemployment benefits. I never filed a claim, notified DC that was still employed and yet received a card with benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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.
Product: Credit reporting or other personal consumer reports

According to law 15 U.S.C 1681 the banking system is dependent upon fair and accurate credit reporting. The 1099-C form reports a cancellation of debt ; creditors are required to issue Form 1099-C if they cancel or charge off a debt of {$600.00} or more. The form must be issued when an identifiable event in connection with a cancellation of debt occurs. According to the creditor Shell/ CBNA my account was charged off in the amount of {$650.00}, reported on XX/XX/XXXX. As of today, XX/XX/XXXX I still havent received any forms and Ive contacted them asking for the proper information. Ive contacted them multiple times including, and Ive been repeatedly ignored. This is a charge off and if this account was indeed charged off then why did I not receive a copy of the 1099-C form from the creditor. Shell/ CBNA has received a tax write off for this debt and I should not have this debt reported on my credit profile. Please send me any forms or documentation showing that you have the right to report this as a debt. If you are not liable to do that please remove this account from my credit report immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Money4U was deceptive in their debt collection practices. 
I fell behind on my loan. Money4U spent 3 months attempting to debit payment from my checking account. Sometimes XXXX or XXXX times a day. At random times and days of the week.

They sent me a text message and an email on multiple occasions, offering settlement and repayment options, but when I responded they never responded back. 
The last time I messaged in I did get a response telling me I could avoid garnishment if I started on a repayment plan, but just received notice from my employer that a garnishment is set to begin. 
They also have threatened the same law suite multiple times but I was never served for any law suite .
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax gas done nothing please help me delete these illegal accounts from my credit reports. 

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Charged off XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Charged off XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} Collection XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$490.00} Charged off XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$1900.00} Charged off XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2700.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Charged off XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7900.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} Collection XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Collection XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX Inquiries in Dispute : XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I the consumer 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 those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I the consumer am choosing to opt out of your reporting.
Product: Credit card or prepaid card

Dear, XXXX XXXX XXXX XXXX XXXX veteran, I tried to purchase XXXX XXXX  on XX/XX/XXXX, I was asked to pay {$99.00} using my discover card, after paying the charge waited waited to nothing happened I call XXXX but the number was for technical support so I opened dispute with Discover card I after XXXX  months issuing credits and removing It in XXXX statement I called them on XX/XX/XXXX I was told the XXXX download the software on XX/XX/XXXX but my transaction happens on XX/XX/XXXX I DID NOT RECEIVE NOTHING from XXXX till today I asked Discover ask XXXX to provide what they sent and where I dont have XXXX XXXX and I was told by Discover the dispute resolved in my favorite but they charged me again {$99.00} in XXXX statement and they never disclosed the outcome I had XXXX  XXXX on XXXX XXXX to check my statement today to find the finding.