23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. I am writing regarding four collection accounts that were reported to the credit bureau by Met Credit on XX/XX/XXXX, for {$770.00}. This debt was reported by XXXX XXXX XXXX prematurely as XXXX failed to bill my insurance company in a timely manner. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX, indicating a balance due of {$260.00}, another letter dated XX/XX/XXXX indicating a balance of {$510.00}. I contacted XXXX XXXX XXXX on numerous occasions, verified my insurance information with them, mailing address and dates of services that dated back to XX/XX/XXXX. I was advised that this was going to be billed to my insurance carrier. 
On XX/XX/XXXX, the debt was reported to the Credit Bureau by Met Credit. On several occasions, I called Met Credit to explain the situation and requested that the debts be removed from my credit report as these debts were currently being billed to my insurance company and as of the date of this letter, they have not removed the debts from my account. On XX/XX/XXXX, I received an account summary from XXXX XXXX XXXX XXXX indicating that {$770.00} was out for billing. As of the date of this letter, XXXX XXXX XXXX has yet to advise or send correspondence regarding the status of the debts. I am requesting that these collection accounts be removed by the agency immediately as this has affected my credit and was reported prematurely by XXXX XXXX XXXX and erroneously reported by Met Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw illegal accounts that were not mine on my profile report. I'm upset that you put the information below in my credit profile and that you don't follow good practices to make sure your credit reports are as accurate as possible. Laws about credit reporting make sure that agencies only report 100 % correct credit information. At each step, the information should be checked to make sure it is correct and accurate. The information that goes with this should be looked into. After carefully getting my credit report from your agency, I am having a hard time finding accounts that are wrong or don't exist. Because of the XXXX data breach, I don't know anything about these things or the wrong information. This is because my information may have gotten into the wrong hands. You are reporting carelessly and wrongly, and you are not following the FRCA. I know that as a federally protected consumer you have no legal standing and can't hire a lawyer to fight me.

I'll ask for a default judgment and file a class action lawsuit for violations, stress, and XXXX XXXX 
as well as at least 1 percent of the corporation under TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Product: Money transfer, virtual currency, or money service

I had a person reach out on XXXX for a commission ( XXXX XXXX, @ XXXX on XX/XX/22 ) and she also said she was from XXXX XXXX, UT ( Address : XXXX XXXX XXXX XXXX ) and so I thought she might've known me through a coworker. When the details came to payment, she said that she couldn't use any of the money transfer apps due to some fraud issues there. I've been dealing with a lot of fraud on my credit card lately and didn't see that as an issue. She said she could pay me via check but the minimum amount she could write one for was {$1000.00} and so I'd have to refund her {$750.00}. 

When I deposited the check, I had heard about fraud causing checks to bounce when a person writes a knowingly bad check, so I called my bank ( USAA, XX/XX/22 ) to make sure this wouldn't happen. They had said the check was deposited and I thought that meant I was good to go and so I then sent the XXXX transfer. I later got a strange email that made me suspect that this was a scam after all, so I XXXX what to do, alerted my bank, and tried canceling both the check and the transfer. The check was later officially declined and the resolution of my XXXX transfer was found to not have any issues, despite the fact that the only reason I proceeded with the transfer was that my bank said it was okay. Because of this, I re-opened the claim about the transfer ( XX/XX/22 ) and asked for them to include the phone call I had made to them as part of the dispute. Their reasoning was that I authorized the transaction, but my reasoning is I wouldn't have authorized it if they didn't tell me it was okay. 

The XXXX transfer dispute was once again found to not have an issue and so I called USAA again ( XX/XX/22 ) and was escalated to the fraud department. It's been a week and I should have heard back by now and so I'm worried that USAA will still find no issue on their end and that with all this time passing, I have even less of a chance to have my money returned. I also tried having XXXX send me back my money, but she keeps having idiotic reasoning about why she can't unless she has my bank login info.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are continuously reporting fraudulant accounts on my credit report and I'm about tired of it this was reported to my local police station and according to FTC should be blocked from showing on my credit profile because this doesn't belong to me
Product: Money transfers

Sir/Maam : The Issue was im mistaken to sent money to my nephew using XXXX names which is " XXXX XXXX XXXX XXXX ". dated XX/XX/2017. i found out that he is only using one name which is only XXXX XXXX XXXX . Tracking number XXXX in western union.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The Following companies has violated my rights please see attached document od the perpetrator that stole my identity.
Product: Debt collection

Hello, you sent me a paper that looks I owed XXXXXXXX XXXX after credits but when I check my account about this issue it shows me that the balance is XXXX. 
The issue belongs to the date of XX/XX/2022.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX written, unwritten, verbal & non verbal per 15 USC 6802 as well as 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 


I DID NOT RECEIVE A PROPER OPT OUT NOTICE FROM XXXX XXXX XXXXXXXX FURTHER ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

I HAVE SENT XXXX XXXX XXXX NOTICE TO OPT OUT
Product: Payday loan, title loan, or personal loan

Hello my name is XXXX XXXX I had opened up a loan with Upgrade about a couple months ago and I can NOT access my account to 1 make payments other than my minimum 2 nor see how much grand total I owe after the payments They are charging me every month the minimum but I want to be able to send more but can not access my account I have called customer service 5 times and after being on hold for 30 minutes its automatically hangs up. 
I also have emailed them multiple times and they never respond to me to be able to reset my password or resolve the problem. Twice I have also gotten asked to leave a review for the person thats helped me yet I never once received help when I try to reset my password they say it sends a email and it doesnt. Another issue I saw was that I had aggreed for a loans of XXXX on my XXXX XXXX account it says they gave me a loan of XXXX which Im unaware of I just really need access to my account to be able to manage this and pay it off faster since this company is unreliable and the customer service is terrible
Product: Vehicle loan or lease

Asked several times for help. Says dont qualify for deferment since I had one in XXXX which I didnt not request. They automatically did the deferment due to an error in XXXX. Will not work with you despite a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently sent you a request to reinvestigate the information previously disputed as I noticed many inaccurate items remain. I haven't received the results insisted upon although I know that you've been receiving the letters sent.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2021 I decided to voluntary surrender the car back to Prestige Financial spoke with XXXX XXXX and advised her that it was the best decision to give the car back because it was upside down XXXX and no one would accept the trade in. I understood what what happen and she said someone would ge back to me. 
XX/XX/2021 - received threatening calls again from XXXX XXXX in regards to voluntary surrendering the vehicle again. I stated to her that please come and get the car so we can resolve the issue XXXX I received an email from Prestige XXXX XXXX starting that she had not heard from me in regards to the vehicle. Which was not true we were emailing back and forth since XX/XX/2021. I stated to her that we already had discussed the matter and my decision is final, the sooner we resolve the issue we can move forward. 
XX/XX/2021 I received an email from XXXX XXXX in regards to surrendering the vehicle and he apologized for being out of the office since XX/XX/2021 and he stated that he would send me the paperwork to sign for the voluntary surrender XXXX I received an email from XXXX XXXX stating that they received the paperwork and they will get the voluntary surrender over to the repossession department. 
XXXX I don't know the exact date but someone came and picked up the vehicle I gave them the keys and they stated that someone would get back with me from prestige financial as soon as the car has been sold and they would tell me what I owe and how to go about setting payments up with the balance left remaining XXXX I filed a dispute with the credit bureau in regards to how they put the incorrect information on my credit and I sent in the copies of the emails back and forth with prestige XXXX prestige updated my account online stating that the charged off XXXX and past due XXXX and I tried to get an updated from prestige on the phone and no one ever called me back or sent anything in the mail. 
XXXX I spoke to XXXX XXXX and she said she no longer could speak to me and that I would receive something in the mail in regards to the selling of the vehicle and what amount I would owe. 
XXXX I receive a summons from XXXX and XXXX in regards to Prestige Financial stating that I would have to appear in court in regards to the vehicle. I never received anything from Prestige or XXXX and XXXX in regards to owing a debt no one ever reached out to me in regards to the debt. 
XXXX I tried to make it to the court house which was an 1.5 away from me and I got there at XXXX and court was over for a XXXX court call. A default judgement was paced on me and I tried to call XXXX and XXXX and no one ever returned my call.
Product: Checking or savings account

On XX/XX/2024, I went to XXXX and clicked on a hotel room that reflected NEW DEAL. Indeed I thought the offer was a deal so I authorized {$110.00} to be charged on my debit card. Yesterday, XXXX, I showed up to the hotel called the XXXX and upon check-in XXXX gave me a strong impression he was creating a reservation for me on the spot. I shared with him my check-in number was XXXX. The Booking Confirmation was XXXX. I did not disclose the pin ( XXXX ). I simply kept showing him my printout and he kept ignoring me. Then he said, " You owe {$130.00} Resort Fees ( nonrefundable ) and {$150.00} deposit ( refundable. '' I told him that's not what I agreed to. I showed him my printout, where it says I owe {$110.00} at the property and that's it.

After going back and forth, I requested to speak to the XXXX Manager. She, XXXX, came out and kept saying, " Sorry I can't waive anything. '' I told her I came prepared to pay the {$110.00} and I'm even willing to pay the {$130.00} instead. I can pay a or b but not both. '' She finally called out XXXX XXXX who basically said the same words as XXXX and XXXX. He then had me speak with XXXX directly,XXXX XXXX XXXX XXXX  XXXX  heard everything I said. Then he placed me on hold several times. Then he gave me ticket # XXXX which indicates " Customer wants a full refund of {$110.00} because the deal was not true at all. {$110.00} became {$130.00} ; and a wapping {$150.00} was thrown into this reservation. ''. 
Also, their reservation on their screen did not match mine. XXXX XXXX later alleged he couldn't find anything under check-in number XXXX. 
As I previously mentioned, I concluded my reservation was given to another person.. Upon walking away, I stopped at the EXPRESS CHECK-IN. I scanned my driver 's license and the machine kept giving me a green check mark ( ) That to me meant " Checked-in. '' So, I filed a dispute directly from my online ledger, BoA Claim # XXXX. 
Prior to leaving I asked XXXX and XXXX to reduce XXXX nights to XXXX. This would then be a win win for all of us, and they both said they couldn't modify the reservation. Therefore, I concluded the Employees at the XXXX just didn't want me there. Perhaps it was bribery. So, I left and filed a dispute. I also notified the Administration of the XXXX  via email and voicemail The employees discriminated against me. They did not even cared that I flew in that day, XXXX ; and {$110.00} had already cleared. 
Due to all of this, I would like a full refund. I showed up on time and the deal was never the deal I agreed to. 
In conclusion, I asked to reduce the nights and they lied. I asked XXXX XXXX to waive the deposit and he too lied saying that he couldn't, when he could. 

When I stepped out of the hotel, the Concierge texted me. I asked her a question in return vs acknowledging her text.. She never replied ; and I checked into a hostel called XXXX XXXX XXXX XXXX . 

Therefore, please grant me my full refund, {$110.00}. 

Thank You, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX
Product: Debt collection

I sent Gulf Coast Collections a certified letter asking them to send me proof that I signed a contract with them and to show me where I owe them money
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at approximately XXXXXXXX XXXX I contacted Equifax to inquire about a 5 point drop in my credit score. The reason for the drop was due to a " missed payment being removed '' a missed payment from XXXX XXXX XXXX  being removed from my account that occurred almost five years ago. As a standing practice, any negative items being removed from a consumer account is a positive change not a negative change. Yet Equifax used this as a negative impact on my credit score and my score was subsequently dropped 5 points. In addition, when I contacted Equifax about this negative change on my credit score ( which they caused ) the representative stated that I would have to pay Equifax {$10.00} to review my account. This appeared to be an unethical business practice. They purposely reduced my credit score when the removal of a late payment should have either raised my score or kept it the same. It seems that they were hoping I as a consumer would call about a fictitious incident they purposely caused just to charge me to fix or dispute it. They would then fix their premeditated mistake while banking the {$10.00}. This sounds like something out of the XXXX XXXX playbook that is now being implemented by Equifax.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX in XXXX and extended warranty from XXXX XXXX. The very next day of the purchase the car battery died, and I have been experiencing issues with the car since. Fast forward to XX/XX/XXXX. The Engine on the van went bad and needed to be replaced. I called XXXX XXXX and they refused to cover the cost to replace the engine. I called Capital One Auto Financing for a voluntary repossession of the van and they refused to take the van back because the car is not in my possession. The car is located at the service department and can not be driven. I also requested this in writing and Capital One again refused. I dont know what to do, please help.
Product: Debt collection

I have sent notices by Consumer Federal Protection Bureau complaints with out any closure on two accounts that Portfolio Recovery Services refuse to provide documentation for. Portfolio Recovery Services has been ignoring my request for proper debt validation.

I initially filed a complaint XX/XX/2018 ( CFPB # XXXX ) requesting debt validation and accounting of the accounts. They did not provide either within the 30 day window. They ignored me and sent a generic letter. I also disputed this with the 3 credit Bureaus and Portfolio continues to not provide proof They are using illegal practices and policies of using mailing addresses and names on validation letters. I filled a compliant XX/XX/2018 ( CFPB # XXXX ) requesting validating and full accounting and on my accounts.

They responded with a letter addressed to someone who is not me. I do not know who XXXX XXXX is. This is another example of them showing they do not have documentation for this debt.

I also mailed a letter of dispute to them directly in XX/XX/2018 through the Postal Mail.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report.

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  is still reporting information about from Wakefield & Associates on my credit report that they havent properly disputed. I sent letters to both XXXX and Wakefield & Associates by certified mail ask them to send the sign inked document with my signature in order to validate the debt. XXXX  has deemed the Account to be accurate by FCRA rules but hasnt sent me a copy of the signed ink document for verification. I ask that they send the proper documents immediately