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

On my equifax report theres a dispute remark on my XXXX XXXX  account thats states dispute resolved-customer disagrees. I never disputed this account. I called XXXX XXXX and they said they never sent anything to equifax. Ive called equifax numerous times between XXXX XXXX XXXX. XXXX XXXX said they dont know why the remark is on there and they would remove the remark within XXXX hours cause its hindering me from getting a mortgage loan. Every time I called the rep states the previous rep didnt finish the request. Ive asked everytime to speak to a supervisor yet XXXX will let me speak to one. On XX/XX/2023 the remark was removed and replaced with a new remark stating Consumer disputes - reinvestigation in progress. I called again on XX/XX/2023 and asked why was the previous remark removed yet another remark added. I was told again the previous rep I spoke to didnt complete the request. This last rep I spoke to on XX/XX/2023 named XXXX said last rep didnt complete so he would complete the request and would take 72 hours to remove the remark. I asked will this remove the remark and not add another remark like the last time. He states no and gave me confirmation number XXXX.
Product: Vehicle loan or lease

I have filed multiple complaints about them reversing payments and allocating them at later dates. THAT IS FRAUD AND UNFAIR AND DECEPTIVE! No one has followed up to actually deal with it. They call and say they will look into it. They never do, it's been months and I complained to with no response. I have lost loans, I own a business that has had to spend work hours trying to resolve this ( to include paying my assistant for HOURS AND HOURS to follow up when they lie ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

In accordance with FCRA & 650B paragraph ( a ), Experian, are required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. Cash Call XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Experian delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Experian remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
Product: Debt collection

This dispute is concerning the dental supplier XXXX XXXX. I bought a used XXXX autoclave from their company in XXXX for my business. I paid a total of {$4200.00} for this serial number. Unbeknownst to me, I also was double billed for the same type of autoclave, an XXXX, under a different serial number and agreement # for a total of {$2100.00}. I did not find this out until a few weeks ago, in XX/XX/XXXX after consultation with my attorney. 
The reason I found out XXXX XXXX double billed me, is because XXXX XXXX has brought forth a legal complaint against me for the same agreement # that I already paid off a few years ago. I was just served papers for small claims court for {$6400.00}, which is almost the same amount that I paid off a few years ago. I called the billing department at XXXX XXXX, and the collections attorneys that are trying to sue me for this amount, that I already paid this off. They advised me that they know I paid off the previous amount, but that this new complaint is for something different. I advised them that it was not, and that it is the same agreement # as before. 
I would also like to note that it appears that XXXX XXXX backdated an invoice to XX/XX/XXXX with no serial number. It just states that I owe {$6400.00} for a large equipment rental fee for XXXX week. This also makes no sense, because I have never been billed by their company nor sent any invoices for this. I never signed any contracts or rented or bought any large equipment from them since XXXX. In other words, they are waiting until XXXX to bill me for an erroneous rental XXXX  years ago because the statute of limitations is running out, and they never properly recorded me paying for the equipment before. 
I did consult with an attorney concerning this matter, and they are the ones who found out that I was double billed for the equipment, and that they waited 4 years to produce an erroneous invoice because the statute of limitations is running out. 
This lawsuit has caused me to lose work time and has cost me lawyers fees. I have also been served legal papers, been double-billed, and have had to deal with illegal backdating of invoices all for a large company to make money from a small business owner. 
I would like to get the amount back that I was over-billed plus interest, and my attorneys fees paid. 
Thank You
Product: Credit reporting or other personal consumer reports

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " XXXX XXXX XXXX  '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to the FDCPA I am excercising my right as a consumer! You have violated me on multiple levels including defamation of character, invasion of privacy, grand theft auto, harassmemt and soliciting private information for financial gain! I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. Please see attached documentation for further details.
Product: Credit card

Filed a dispute allegedly successfully. Multiple follow ups and then they closed the claim without warning or justification. Spoke to executive office who was to reopen it, but then ti closed again. They refuse to investigate or provide any documentation on why. Claim XXXX.
Product: Payday loan

They did an unauthorized debt out of my account for the 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 Number : XXXX XXXX XXXX Account Number : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Contacted XXXX in XXXX of 2020 to notify them of the fraudulent account, this account was not opened or authorized by myself. Account is being reported as closed but charged off with a balance that is over due and late. As of today XXXX continues to report this negative and inaccurate information to my personal credit report, damaging my credit and further intensifying the financial burden and stresses as a result of covid - 19. This information was previously disputed by Equifax and removed, yet Equifax continues to allow this inaccurate information to report again without blocking it.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticiced several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the account that i am asking you to verify as accurate : XXXX XXXX XXXX : XXXX
Product: Prepaid card

Customer service are playing games, they start by asking me for ID. a week after they asked for the most weird stupid thing like a police report, Selfie, Notarization, and address verification. Manager XXXX XXXX ( which is not very smart ) said that i must send everything in order to resolve my cases, he also said that online police report is okay bc i live in XXXX. I have sent everything they asked for, paid more than {$100.00} in notarization. but they still REFUSING to resolve my case. Now they are claiming they need a visible selfie which doesn't make any sense bc they have a clear picture of my driver license already plus i need to stop this game before they ask for something else I HAVE SENT EVERYTHING AND I NEED MY MONEY BACK
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 Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Credit reporting or other personal consumer reports

This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$650.00}
Product: Credit card

On XX/XX/year>, I took a tricycle taxi from XXXX XXXX XXXX to XXXX XXXX. The agreed-upon fare was {$20.00}, as confirmed on the XXXX card reader when I swiped my CitiBank credit card. However, my account was later charged {$310.00}, a significant overcharge. This transaction does not reflect the agreed-upon amount or the service provided. 
I immediately disputed this charge with CitiBank, providing all relevant details, including the agreed fare, transaction method, and the discrepancy in the posted charge. Despite this, CitiBank declined to reverse the overcharge or provide any resolution as of XX/XX/year>. 
This unauthorized transaction not only caused financial harm but also raised concerns about the bank 's lack of protection for its customers against fraudulent or unethical practices. I feel unsupported and disappointed by CitiBank 's handling of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and seen inaccurate information, I tried contacting the company and they were very disrespectful and rude and being XXXX!! I wont tolerate disrespect or inaccurate information. Please handle this matter immediately!!

15 usc 1681i ( 5 ) 15us. 1681 b ( 2 ) Please remove these inaccurate inquiries on my credit report on experian XXXX. XXXX XXXX XXXX XX/XX/23 XXXX. XXXX XXXX XXXX XX/XX/23 Remove these inquiries from my transunion XXXXXXXX XXXX XXXX Remove these inquiries from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX fed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company numerous times with no response just closed out complaints. The companys listed refused to remove the inquiries posted on my credit report after I requested proof for the negative remarks. 

The companys listed have multiple inquiries with different dates which is illegal alone and my information is being used without my consent. They also cant show proof that they validated any of the transactions used in my name to place these remarks on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit ran today XX/XX/2020 because I applied to XXXX XXXX XXXX and I did not qualify to rent an apartment because my report came back with a lot of accounts in negative standing. Before today I didn't even know that these accounts were on my credit because none of them are mine ; I did not open any of the accounts I listed on this report and I have never allowed anyone to open any credit card, loan or anything else in my name. I don't know who is responsible for all of these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payment towards any of these accounts. As for the companies that the accounts are coming from, I do not have any written/verbal contract with any of those companies nor am I affiliated to them in anyway.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX last report XX/XX/year> for {$1300.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

Subject : Complaint against Sequium Asset Solutions- Violation of Consumer Rights Dear Sir/Madam, I am writing to file a formal complaint against Sequium Asset Solutions , a debt collector, for their violation of my protected consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I noticed an unauthorized collection entry on my consumer credit report from Sequium Asset Solutions. To my dismay, I have not received any prior notice or correspondence from Sequium Asset Solutions regarding an alleged debt. This lack of communication deprived me of the opportunity to dispute the debt within the given time frame, as required by the FDCPA. 

The FDCPA explicitly mandates that debt collectors must send consumers a written validation notice within five days of their initial communication, detailing the amount owed and the creditor 's identity. However, I have received no such communication from Sequium Asset Solutions.

I firmly believe that Sequium Asset Solutions has failed to adhere to the guidelines set forth by the FDCPA, which are in place to protect consumers from unfair debt collection practices. This not only constitutes a breach of my rights but has also caused undue stress and XXXX  due to the unjustified entry on my credit report. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions against Sequium Asset Solutions. I seek redress for the damages caused, and I hope that your intervention will result in a prompt resolution to this issue. 

I eagerly anticipate your response and appreciate your attention to this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Checking or savings account

We contacted First Tennessee Bank on XX/XX/2018 with the following request : Please review and help get rid of the repetitive charges on this nonprofit account. XXXX XXXX was very unhelpful through this matter. The customer did not authorize the charge listed on the affidavit. A system block may need to be in order as well as this account to be closed. 

Our Business checking account was digged by an illegal operation and the bank charged us overdraft every day to the extent of {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
Equifax!!! 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
XXXX  Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX  XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX,
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX received an email to my work address which is not linked to anything about Capital One. 
This is a scam website trying to steal login information
Product: Debt collection

I was contacted several times by this agency, while i was at work even do i asked not to because it was compromising my job. 
I already know that this company used this unique way toward other people to get their process done.
Product: Credit reporting or other personal consumer reports

Transunion is reporting in my report an account that does not bellows to me.I had deleted it and today Transunion reported it again XXXX XXXX XXXX