23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

We are getting additional charges added to our monthly billing. At first we were told the charges were " sales use tax, '' but now they are saying they are " late fees ''. We have called several times. Often we get a message that the lines are too busy to call back later. When we get a representative they do not seem to have the information they need to solve the issue and lack training. We told the representative that said they were late fees that we always make the payment early. He finally was able to confirm this and said he would fix it. It still is not fixed. The monthly bill should be a set amount, but it varies each month without any detail or itemization. There is not way to escalate to a manager or higher to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining the method of verification from all three credit agencies, in which they all said XXXX  XXXX. I then contacted XXXX XXXX and they removed the bankruptcy from my credit report, I then forwarded theletter from the court house and XXXX XXXX, to all three credit agencies to remove the bankruptcy from my credit report as I never filed the bankruptcy and they refuse to remove it from my credit file.
Product: Debt collection

I have no knowledge of the credit card debt that is being used against me and negatively impacting my credit report..Would like to see actual solid information from the credit card issuer but nothing can be provided when requested..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian for whatever reason keeps placing old addresses on my credit that are no longer valid and haven't been for almost a decade. Not sure why I have to keep disputing this but it's becoming annoying to the point I'm ready to sue. I have enough evidence to do so.
Product: Debt collection

XXXX XXXX was told repeatedly at peerless credit to not call my work number. He proceeded to contact my work 2 more times after asked not to. I am not allowed to receive personal calls at work and this is a violation of my employment. My wife asked him to leave a message with her and she would forward it to me because of the work policy and he told her that he was not allowed to leave messages, even though he left two messages with the secretary at my work. Giving his name and who he was trying to contact. Also threatened us after we questioned him about policies in Pennsylvania about the debt and history of it ... he told us we owed the full amount in 10 days or we were going to be sued for it. 

He called my wife twice at XXXX XXXX and again at XXXX. No messages left. He called me on my cell twice the same times XXXX, XXXX, and XXXX. He also called my employer between those times twice and left messages.
Product: Debt collection

Debt was paid today and within XXXX minutes creditor negatively reported it to the credit bureaus. When I called back to ask for an explanation, she continued to be aggressive and act as she either did it on purpose or was covering for her colleague.
Product: Credit reporting or other personal consumer reports

PAY PAL CREDIT CARD, is in violation of multiple laws set forth by Congress in regards to the following account # ending XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( PAY PAL CREDIT CARD ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( PAY PAL CREDIT CARD ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. PAY PAL CREDIT CARD, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. 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 reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from PAY PAL CREDIT CARD for the cancelled debt of { { {$860.00} } } in order to file as ordinary income. Where is my 1099-C? PAY PAL CREDIT CARD is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! PAY PAL CREDIT CARD has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In PAY PAL CREDIT CARD terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of PAY PAL CREDIT CARD nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

On all three of my credit reports they have wrong address I would like them remove from XXXX TransUnion and XXXX
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 XXXXXXXXXXXX XXXX XXXX  Account # XXXX, Account Name- XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account Name- XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXXXXXX XXXX XXXXXXXX Account # XXXX Account Name- XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, Account XXXX XXXX Account # XXXX Account Name- XXXX  XXXX XXXX XXXX XXXXXXXX, Account Name- XXXX XXXXXXXX Account # XXXX, Account Name- XXXX XXXX XXXX Account # XXXX, Account Name- XXXX XXXX XXXX  # XXXX, Account Name-XXXX XXXX XXXX  Account # XXXX, has Violated my rights. 

I looked at my Equifax credit report XXXX XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 N/A XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. 

In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls fromXX/XX/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 and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I receive social security XXXX funds in my XXXX XXXX account. My only source of income. This debt collector has illegally collected social security funds from my account. Attempting to debit my saving because they know the source of my income is XXXX which my social security money automatically transfer money into a savings account. It is illegal for them to collect social security funds from my account because it is the source of my savings. This is my only source of income in my accounts. I will seek litigation with an experienced attorney if I do not receive all of my money back. Additionally i have knowledge of this debt.
Product: Money transfer, virtual currency, or money service

I use PayPal to be receive money and purchase items online. I have a preferred payment method on PayPal that is a credit card. when I made the purchases I selected PayPal and thought my preferred payment method would be used. it was not. it was charged to my bank account without my knowledge and I incurred {$100.00} in overdraft fees. I contacted PayPal and they said your preferred payment method is not always used even though you selected it as your payment method. They told me in order to make sure the preferred payment method was actually your preferred payment method and would be used for purchases is to go into you PayPal account and find the list of merchants you buy from and then change your payment method to the one you want to be used in that transaction. There is a supposed payment agreement for each and every merchant you have an account with that specifies a payment method used. this payment method is used no matter what you select thru PayPal as a preferred payment method. I am asserting that it is fraudulent and deceptive for PayPal to have you select a preferred payment method and then not to use it. when I contacted PayPal they told me it was in the fine print of the user agreement I accepted when I first made a PayPal account. This method of charging purchases to a bank account and not to the preferred credit card selected also saves PayPal money on fees they would have to pay if they charged it to the preferred credit card selected. I'm sure there are a lot of other people who have this problem. I added my credit card to pay pal because I wanted to have it only available on one site instead of on every merchants site that I shopped on because of all the data breaches. That is the main reason I used PayPal.
Product: Credit reporting or other personal consumer reports

I looked at my credit report XX/XX/year> and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. In according to the fair credit report act everything must be 100 % accurate on my credit report. 

The Credit Bureaus states my account was properly investigation but how is that possible if open dates are inaccurate, the date last active is inaccurate, and the dates last reported is inaccurate these grounds for removal they also violated my rights. 

15 U.S.C 1681 section 604 A I have the right to privacy.

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


I sent a letter out on XX/XX/year>, XX/XX/year> XX/XX/year> to XXXX, Transunion, and XXXX. I have copies of all Letters. However, its been more than 30 days and the credit bureaus failed to send me my investigation back. This does not make any sense. According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and consumer notifies the AGENCY directly or indirectly through a reseller, of such status the dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-days period beginning on the date on which the agency receives the notification of the dispute from the consumers or resellers
Product: Debt collection

The XXXX XXXX XXXX in XXXX XXXX has recently sent a garnishment to my employer. The garnishment is for an XXXX store card in which I never had or applied for. Now i have contacted all 3 Credit agencies and this store card was no where to be found on my credit report. I also contacted XXXXXXXX XXXX which owns the XXXX XXXX card and reported this as fraudulent. The XXXX XXXX XXXX has not had good standings with the XXXX  and most of the bad complaints are like mine in that the XXXX XXXX XXXX is persecuting people for debts not really owed. 

XXXXXXXX XXXX  did tell me the card was taken out in my name and is investigation th allegation, when i tried to receive help from the XXXX XXXX XXXX it fell on deaf ears and they were extremely rude. Ponzi scheme if you ask me
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Collection account from NATLCRSYS with account # XXXX and a balance of {$4400.00}. The original creditor is XXXX XXXX XXXX XXXX. 
I have not given permission to access my credit profile, and you have no permissible purpose to furnish my personal information to any third party. 
15USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORT 1. 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.

As a consumer, I am demanding a deletion of the following account NATLCRSYS Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by SUNTRUST BANK ANY OTHER COMPANY, and including XXXX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Product: Debt collection

Today ( XX/XX/XXXX ) I called IQ Data directly and the representative stated the words verbatim 3 notices were sent out between XXXX and were not sending anything else. Are you settling or what? 

I then proceeded to say, no, I have a right to validate debt, now what address did you send those notices to starting from XXXX? 

Her response was the address in XXXX doesnt matter and she provided me an address that is my moms address and proceeded to say, thats not my problem you didnt receive it. Check with your mom.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know my account and I was never late but I was being reported being late. This is ridiculous!
Product: Debt collection

Upon information and belief, my wife and I ( the " XXXX ) are victims of mail and wire fraud. Multiple foreclosure attempts have been initiated to acquire a property that we own. The Note and Deed of Trust ( " DOT ) presented to the various courts contain forged borrower 's signatures and false notarizations of the XXXX XXXX signatures. The signatures have been attested to by two forensic document examiners in sworn affidavits that the signatures are not genuine. The fraud is being conducted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' ) and their attorney, the BWW Law Group LLC ( Substitute Trustees ). The amazing thing about this whole situation is that the courts have blindly looked the other way without demanding that the foreclosing party prove that they are the real party in interest. " XXXX '' does not appear as the Lender on either the Note or DOT on either the XXXX 's original documents or even the pretender lender 's fabricated documents. MD law clearly states that " A person not identified in a note who is seeking to enforce it as the owner or holder must prove the transfer by which he acquired the note. If there are multiple prior transfers, the transferee must prove each prior transfer. Neither XXXX or BWW Law Group have provided this proof even though the XXXX have requested it.