23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I sought legal counsel and hired the XXXX XXXX  XXXX XXXX XXXX after having been served with a Civil Complaint by Harris & Zide. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. My attorney sent a letter to them informing them that I was represented by her firm and served them with her Substitution-of-Attorney form. Since substituting in to represent me, my attorney has been in regular contact with Harris & Zide for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 & again on XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 )  business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. Harris & Zide is now ignoring my attorney and has refused to respond to her. Harris & Zides actions are egregious and should not go unpunished they have a duty to respond to resolve the pending matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The state tax lien that is being reported on my credit report was satisfied and paid in full on XX/XX/. The tax lien was filed on XX/XX/. The tax lien was reported to the CRA 's, by a third party vendor, in XX/XX/. The tax lien DID NOT include a full social security number and did not contact my DOB. The document does not meet the required information to be included on my credit report. One CRA has removed it after confirming required information was missing. The other two are NOT cooperating and will not confirm if the required information was included. I spoke with two supervisor 's - one at each entity - both confirmed that in order to include the lien on my report, 3 of the 4 pieces of personal information are necessary. Neither would tell me if my file included that information. Please understand that I personally went to the county courthouse as a " third party '' and requested a copy of my tax lien. I received exactly what XXXX ( third party vendor ) would receive to report to the CRA 's. THE DOCUMENT DOES NOT INCLUDE THE MINIMUM REQUIRED INFORMATION. Therefore, the lien should be removed immediately.
Product: Credit reporting or other personal consumer reports

Account XXXX list a charge is a due to identity theft. Have previously sumbitted FTC affidavit for ID Theft and Police Report reporting ID Theft. 

Enclosed is a letter from the data furnisher that recognizes account as resulting from ID Theft, therefore, me not being responsible for account. 

Letter also informs credit reporting agencies have been informed to remove account from my credit report.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies, they told me I needed to file a police report. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CA XXXX SSN : XXXX Date : XXXX I just received my investigation results, and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under 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. 

Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Request for Removal of Incorrect Derogatory Mark on Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Bureau, I am writing to formally dispute an incorrect derogatory mark that appears on my credit report. The mark in question is related to an alleged debt with XXXX XXXX XXXX for termination fees from ending a lease early. This information is inaccurate and I respectfully request its removal from my credit report immediately. 

Please find my identifying information below : Full Name : XXXX XXXX Last 4 of my Social Security Number : XXXX TransUnion File Number : ( XXXX # XXXX ) Details of the Disputed Item : XXXX XXXX XXXX  {$2900.00} Name of Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Date Reported : XXXX XXXX, XXXX Explanation : In XX/XX/XXXX, I vacated my rental unit at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX with the permission of the leasing manager. I was provided with a written vacate letter, a copy of which is attached. The leasing manager informed me that she would consult with the corporate office regarding the waiver of any termination fees. I vacated the property in good faith based on this communication. The unit was re-rented immediately after I vacated, indicating that the property did not incur losses due to early termination. 

Despite this, the management company reported termination fees to the credit bureaus, which is both erroneous and damaging to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX   XXXX XXXX  account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

THEY ARE MAKING INQUIRIES IN FRAUDULENT WAYS, I AM A VICTIM OF IDENTITY THEFT
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 XXXX Account XXXX and list of Inquiries. 

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

Went to Quicken loan website to research loan options but they collected my information and did not provide me details as advertised but want me to talk to some, this was not clearly stated from their wesite, here is the conversation with them Info at XXXX, XX/XX/XXXX : A team member will be with you shortly. 
Info at XXXX, XX/XX/XXXX : For your security, if you would like to close the chat session please click the " X '' button on the top right of the chat window. 

You are now chatting with XXXX XXXX. 
XXXX XXXX at XXXX, XX/XX/XXXX : Hi XXXX, how are you doing today? 
XXXX XXXX at XXXX, XX/XX/XXXX : Hi XXXX XXXX at XXXX, XX/XX/XXXX : why did the website not provide me the availble rates even after taking indformation from me XXXX XXXX at XXXX, XX/XX/XXXX : this is false advertising XXXX XXXX at XXXX, XX/XX/XXXX : Let me go ahead and pull up your profile here. I can get you all of that information XXXX XXXX at XXXX, XX/XX/XXXX : How are you doing today? 
XXXX XXXX at XXXX, XX/XX/XXXX : I did not want to chat but research data myself XXXX XXXX at XXXX, XX/XX/XXXX : and that is what the website said XXXX XXXX at XXXX, XX/XX/XXXX : I am very disappointed with Quicken loans XXXX XXXX at XXXX, XX/XX/XXXX : if they can falsify to start with then why will I weven go with such a company XXXX XXXX at XXXX, XX/XX/XXXX : Sorry to hear that XXXX, the reason the site has you speak to a banker is because every client qualifies for different options. We want to make sure we get you the best options available to YOU. 
XXXX XXXX at XXXX, XX/XX/XXXX : You are able to get the rates but you have been stopped to speak with me in regards to your application so that is what I am assisting with right now XXXX XXXX at XXXX, XX/XX/XXXX : I am here to help you with your inquiry XXXX XXXX at XXXX, XX/XX/XXXX : so ou are acknowledging that the website gave false information XXXX XXXX at XXXX, XX/XX/XXXX : That is not what I am saying. I am saying that there is an issue somewhere on your application and I am going to see what our problem is XXXX XXXX at XXXX, XX/XX/XXXX : this just very deceiving behaviour XXXX XXXX at XXXX, XX/XX/XXXX : I am sorry you feel that way, would you like to speak with our client relations team? 
XXXX XXXX at XXXX, XX/XX/XXXX : this leads me to believe that the same will happen during application process XXXX XXXX at XXXX, XX/XX/XXXX : being a financial company trust is key XXXX XXXX at XXXX, XX/XX/XXXX : Of course, would you like to speak with our client relations team?
Product: Credit card

I paid for a summer camp in advance for my son to attend. When I withdrew him from the camp due to safety concerns, the camp refused to refund the money I had paid in advance for the time my son did not attend. I disputed the amount with Discover as I had paid for services that were not provided to me. There is no dispute with the camp that the services were not provided, nor is there a dispute as to how much should be refunded to me. The camp simply refuses to give me my money back because they want to keep it. I disputed the charges with Discover and they initially refunded the money, then they reversed the charges and said unless the camp states in writing that they are willing to refund my money that I will have to pursue a refund a different way. Discover refuses to reverse the charges for services I paid for but never received despite the fact that there is no dispute over the fact that the camp did not provide the services for which I was charged.
Product: Consumer Loan

I want to get information on the credit union I had a car loan with .My payments on my mail did not reflect the payments towards my vehicle at the time of my lease. The amount own on the vehicle still reflected the buyer amount from 3 years prior.I fully did not understand the conditions of the loan if it was only a 60 month loan to pay the car off.My car was also taken back from the credit union and returned to me but still stated on my credit report repo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this App XXXX on my phone, I made all the payments and wanted my account closed indefinitely once the loan was paid off. So, I called the company and requested to have the account closed they told me I needed to do the final payout on the app so I did. The amount was {$370.00}, I had it taken out of my account the same day on XX/XX/2019 the full amount posted to my account on XX/XX/2019. From there that account should have been in good standing and closed, there is a section on the App that still had leftover money in the form of " investments and cash ''. I tried to withdraw my cash and that is where the problem started. It wouldn't let me withdraw what was left over, it was {$76.00} in investments and {$2.00} cash. I then reached out again to support and they claimed that I needed to pay the membership fee to withdraw the money and I said no I don't my account should be closed, they then reported the FRAUDULENT FEE to my credit report of {$41.00} which now shows {$45.00}. 

They are SCAMMERS. I do not owe them any money, I demand the {$78.00} be mailed to me in a check and this account and any negative information associated with it removed from my credit report. 

I disputed this account with XXXX, Experian, XXXX, and XXXX  and they all came back verified, even with the proof that I have. This is why I am writing this complaint now. None of the companies actually did an investigation, because if they did they would know this is a SERIOUS ERROR IN REPORTING from the XXXX   scammers!!!!! Many people are going through the same thing and this should be investigated. I should not be going through this over a year later. I have disputed these charges time and time again with no resolve. I have proof of payment and this account should be REMOVED from my CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 )   CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXXXXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Debt was paid by insurance but, they paid it off late. So in result the hospital sent it to a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I paid off the credit card and closed the account. The creditor agreed to have ( forgive or excused as payment, paid off ). instead it has Charged off as bad debt-purchased by another lender.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

They are reporting 11 times the same company a dollar or two off. I asked for proof of debt and they only provided account numbers. Some times they reported I was serviced I didn't live in Florida and it could not be me. They have been unable to provide me with proof it was me. I always have insurance so I wouldn't owe anyway. They are destroying my life and it's not fair to report me. How can these stay on my report when I am disputing. I have been fighting these people long enough. They are literally causing severe stress.
Product: Checking or savings account

A checking account was opened with Wells Fargo in my maiden name. I received a statement for XX/XX/2022 in the mail in XXXX. I called Wells Fargo to close the account and they sent me directly to the fraud department. They stated they would take care of closing the account and I should receive a packet in the mail within 45 days. 
I received another statement in the mail this month for XXXX. It shows the account still active. I again called Wells Fargo and the fraud department told me this time the account does have a hold on anything coming in or going out, but it is still open. They said it would take up to 45 days to close everything out. They proceeded to tell me to call back if I hadn't received confirmation on account being resolved by XXXX 2022. I have also placed a credit freeze and SSN freeze on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is showing in dispute nor is it removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
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. 

Account Name : XXXX  Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name XXXX XXXX XXXXXXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute about the addresses and name to experian. Today I received the results and they updated the apartment only. I requested to have all addresses removed except XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX. Also I requested to have the name XXXX XXXX remove. My name is XXXX XXXX. For some reason they seem to get it wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX did not provide the credit reporting agencies with written permission to report any of these accounts and I am requesting the removal of the accounts listed below, from my credit reports. That is a violation of 15 U.S. Code 1681b ( a ) ( 2 ).

I did not provide the company reporting any of these accounts with consent to share my credit card ( ID, SSN, etc ) with another entity ( the credit reporting agency ) This is a violation of 15 U.S. Code 1681s-2.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in Late 30 Days and Late 60 Days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

In XX/XX/2023 someone opened up a citizens bank account using my information. Citizens sent me an actual debit card with my name on it than they sent me a letter stating they were unable to verify information provided on a credit application. I have called citizens and informed them and they closed the account. On XX/XX/2023 there was two charges on my XXXX XXXX XXXX credit card ( this is a card I often use ) in the amount of XXXX from XXXX, I contacted XXXX XXXX and they refunded me the amounts and sent me a new card. I am reaching out to you guys in hopes that my credit does not go down or any inquiries on my credit get effected, Im hoping that Ive caught this in time, please let me know what other matters I should take. I have checked in my XXXX XXXX app that there has been nothing else charged or opened but I dont know what else I should be expecting here in the future with this identity theft.