23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX I tried to log into my irrevocable XXXX  td bank app account and I was locked out of my account, I called customer service and they told me they could not retrieve my account details because my account was closed so I hung up. I was not notified or given full disclosure as to what or why my account was closed.
Product: Credit reporting

I have not received any correspondence from either Experian or XXXX during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.
Product: Debt collection

On XX/XX/2018 I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. Additionally, I am allowed under Health Insurance Portability Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be reveled with the patients authorization. Therefore, my request is twofold- validation of debt and HIPAA authorization.
Product: Vehicle loan or lease

From the end of XXXX through most of XXXX, I was severely struggling financially as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Although the last few years were challenging for all of us, I did my best to make all my payments on time to creditors. I spoke with BMW a few times and explained that my business had been struggling and I could still not get funds for PPP or EIDL. I was also on rent relief which was more embarrassing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found out even though I was forced to be late on payments that BMW was also charging me {$35.00} late fees every month which was making my financial situation worse. I tried to allow myself extra time to make payments and was 30 or 31 days late which caused them to end up on my credit report. I hope that I can be forgiven and get those 30 days late removed from my credit report as it is having a burden on me getting a place to live for my son and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

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

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNT XXXX XXXX ACCOUNT NUMBER NOT LISTED XX/XX/2014 {$2400.00}
Product: Debt collection

I have a judgement from Kramer and Frank PC for a vehicle purchased for XXXX thru XXXX XXXX from XX/XX/XXXX?? Been so long I do n't remember. When the economy went bad in XX/XX/XXXX we had to let it go, and returned it to the XXXX dealer in XXXX Mo. After that we received a letter stating the vehicle had been sold at auction for XXXX, reducing the amount we owed to XXXX. At the time we also lost our home, so the vehicle was not at the top of our priorities. Today, 11 years later this company continues to garnish my wages. They show I have paid XXXX and still have a total due of XXXX! A year and a half ago, a relative had me ask them if they would accept a settlement, I gave them an offer and they laughed. They said they would accept XXXX. My wife has become ill and has been XXXX with a XXXX, she can not work and is in XXXX. When they renew their wage garnishments every few months, our income gets tight, and we can not purchase all of her medications sometimes. The worst thing of all, XXXX does not even have a record or account with my name on record anywhere.
Product: Checking or savings account

I opened Checking account & saving account in Chase Bank on XX/XX/XXXX after received an email with targeted offer of XXXXXX/XX/XXXX XX/XX/XXXX. 
Chase representative confirmed that both accounts opened successfully & Coupon Code has been applied successfully. 
He explained me terms & conditions. 
As per bonus qualification conditions, Direct deposit from Employer Deposited into checking account on XX/XX/XXXX. 
XXXX direct deposit from Employer Deposited into checking account on XX/XX/XXXX. 
XXXX $ from XXXX deposit from external account into Saving account on XX/XX/XXXX. 
90 Day period ended for XX/XX/XXXXqualification on XX/XX/XXXX. 
Yet, I did not receive any XX/XX/XXXX. 

Events below. 
XX/XX/XXXX - Checking + Saving Account Open with COUPON CODE XX/XX/XXXX - Chase representative confirmation XX/XX/XXXX - XXXX Direct Deposit from Employer into Checking XX/XX/XXXX - XXXX $ XXXX external Deposit into Saving XX/XX/XXXX - XXXX Direct Deposit from Employer into Checking XX/XX/XXXX - 90 Day period ended. 

Customer care Response " It seems you had previous account with Chase ''.

My Response " Not true ''
Product: Credit reporting or other personal consumer reports

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

I told/informed XXXX, XXXX, and Equifax to XXXX and or remove these accounts : XXXX ) XXXX XXXX XXXX : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX ; Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX  Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX ; Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX  : Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX XXXX  Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX XXXX  Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX  : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Debt collection

On XX/XX/2020 I was notified by XXXX  and XXXX  that there was a collection account added to my reports. I immediately reviewed my reports to see that Executive Credit Management Inc had added a collection for a past due bill with XXXX XXXX, which was a rental unit I had moved out of over 5 years ago. During the time I moved out I was slapped with a bill of charges that were not mine and it was settled with my lawyer and theirs. 
As I did my research on the new collections account I see that the bill was sent to them on XX/XX/2020. This was over a year after I had filed bankruptcy and all past due accounts were discharged and I was no longer obligated, according to the US Bankruptcy courts, to pay. 
I sent out certified letters to the original creditor, XXXX XXXX, with no reply back and to the Executive Credit Management Inc on XX/XX/2020 stating the debt was resolved and the file they paced on my credit report was fraud. Shortly after they received the certified letter they placed the account in closed status on my credit reports. 
According tot he laws they need to remove this account comply because they are framing the system. The account should never have been there in the first place since the debt did not exist. 
Both the collection agency and the original collector should know the laws if they plan to collect on old debt. 
I do have copies of the letters I sent both parties with printouts of the dates and times they received the letters. 
Both companies are defaming my credit report by doing this which I believe is called " debt parking '' and is a serious crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for one personal loan and received multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I have paid previously reported paypal for not providing me my funds owed. U closed this complaint but it has not been resolved.
Product: Vehicle loan or lease

On XX/XX/year>, the car was involved in an accident. On XX/XX/year>, the car was deemed totaled. On XX/XX/year>, XXXX XXXX of XXXX requested a letter of guarantee to finalize the loan and submit balance of payment to me ( XXXX XXXX ending in XXXX ). On XX/XX/year> I had to call to see what the hold up was and I was told they didn't have the contact information for the recipient of the letter even though in order for USAA to talk to the progressive agent, there had to be a letter of authorization provided ( this was provided on XX/XX/year> and had all necessary information required. On XX/XX/XXXX and XX/XX/year> there were XXXX incorrectly submitted forms on USAA 's side and the only reason I learned of this on XX/XX/year> is because I had to call XXXX  times a day to get them to try to get this resolved. Finally, on XX/XX/year> after XXXX calls that day and being hung up on several times, a document was uploaded into my portal. The only issue is that this is a document for a consumer loan that is not mine, was not the correct make and model, and was not the correct VIN number. So, not only a XXXX ( there were many more errors ) error, but now they are breaching confidentially of their other clients and probably could be doing the same to myself and many more. I feel like I am being held hostage because I can not move forward with my insurance claim and their ignorance and carelessness is now costing me a significant amount of money daily.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to dispute a fraudulent account that has been incorrectly reported on my credit file. I am a victim of identity theft, which has been documented in an FTC Identity Theft Report. I have never authorized the creation or reporting of this account. Despite multiple disputes, the account remains on my credit reports. 

The disputed account is : XXXX XXXX XXXXXXXX In addition to my concerns about Identity Theft, this account contains inaccuracies and inconsistencies across all three major credit reporting agencies. Specifically, the " date of last activity '' and payment history appear to have been manipulated to extend the reporting period, which violates the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

3 Credit bureaus XXXX  XXXX TransUnion doesn't do their own investigation. They request information from one another these companies give them. Any information they say it Accurate. Instead of doing their own investigation,,. I can not upload documents to these companies .block from dispute. .center My Credit report is horrible Due to incorrect information XXXX years old can not retrieve credit no due to information. These companies have. I. Have same address many years nothing EVER DELETE Off Credit report everything added. I want my credit report cleared delete old information. Off my report. I have to hire veterans affairs attorneys maybe l can get help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent claim for XXXX on XXXX XXXX to XXXX, TN received it XXXX, XXXX processed it XX/XX/2021 for {$680.00} creditor turned medical account over to XXXXXXXX XXXX of TN on XXXX XXXX not even 180 days after first bill and they reported it to credit reporting agencies in which I disputed it with XXXX showing the companys in violation by law and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting documents detailing the correspondence and inaccuracies that have yet to be corrected by Discover.
Product: Checking or savings account

previous cfpb summitted XXXX found out i pay are correct XXXX  pymts XXXX were made only bone should of been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax trying to say they can not remove an inquiry from XXXX XXXX XXXX unless I file an FTC XXXX Then when I do and provided the reference no it was not enough. They wanted the actual report. I did that. I sent monthly letters including my drivers licence, lease, and utility bill each time certified, and proof of mailing XXXX, XXXX, XXXX, XXXX, XXXX. They I file complaints with CFPB and they need additional time to identify me claiming they have no record and request additional information for the 6th time. 
Then I receive a postcard they can't identify me. I call Equifax twice they question me with security questions, require a process each time a security link of my pictures is back, front, and live photo of me. Then out me through and claim they have to have it by mail. 

This is crazy ugly over 1 inquiry that I have a letter from XXXX XXXX  that it is unauthorized.
Product: Debt collection

This is an alleged debt that does not belong to me. 

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WILL SUE ... 

I have file a dispute and TWO Complaints against experian. I'm sick of the XXXX excuses i'm getting from them.. I should not have to keep redoing this all because they cant get off theirs XXXX and do their job. THIS WILL BE THE FINAL TIME I DO THIS. I WILL TAKE YOU TO SMALL CLAIMS COURT SO YOU CAN NOT HIRE A LAWYER. I have enclose both complaints and the dispute letter. 
In both responses i received from experian was the exact same wording so i know they are not looking at my complaints. 

AGAIN I WILL SUE IF THIS IS NOT TAKING CARE OF ASAP ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX ( Original Creditor : XXXX XXXX ), I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

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

In my capacity as President of XXXX XXXX XXXX, a New York XXXX entity in good standing, I took out a {$40000.00} business loan from XXXX ( XXXX ). I was removed a few months later from my position at XXXX XXXX. 

XXXX began contacting me via email and phone calls to both myself and family members telling me the loan was not being paid back. I provided XXXX with the best contact info for the person at XXXX XXXX XXXX who could assist them in resolving the issue. 

XXXX claims I signed a personal guarantee and that I am responsible for the business loan. This is false. I would never sign a personal guarantee for a business loan because I would never want to be placed in this exact situation. I asked them to provide me with a copy of the personal guarantee. They failed to provide me a copy because no such copy exists because I never signed a personal guarantee. 

XXXX is now reporting to the credit bureaus that I personally owe {$40000.00}. I have tried contacting the credit bureaus but they intentionally make it impossible to speak or email or contact them electronically. I tried calling the numbers they provide but I receive an automatic recording to file a dispute online. I try creating an account online to file the dispute but I get a message saying I must call them. It's a similar game many other companies play in order to avoid providing customer service. 

Please advise how I can remove this fraudulent debt from my personal credit score.
Product: Credit reporting or other personal consumer reports

I was trying to buy a new car I am a single mom and need transportaion I notice that my report has some damages according to the 15 u.s.c 1681 law there shouldn't be any damages on your report its a defamation to my character
Product: Credit card or prepaid card

An error appeared on my credit report in XXXX. 

As a result many of my credit lines were affected. Most of them were decreased in response to the error, making my credit utilization ratio disproportionately high. It went from 8.5 % to 75 %. 

I have had the error removed from my report, however American Express refuses to acknowledge that it was an error. My account spending was limited on my charge card while the error was present but now that the error has been removed the limit is still there. 

Additionally, I am working with other banks to increase my lines to their previous limit so that my utilization ratio is again below 10 %, but in the interim my credit score is artificially low. While American Express is aware that this is happening, they are not incorporating that fact in to their credit decisions.