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

I would like to present my right to rescind the transaction for auto because I was not provided with the type of notice of my right to recession under the Truth in Lending Act ( TILA '' ), 15 U.S.C 1601 et seq., that is required by the Federal Reserve Board. I reserve all rights to raise additional or alternative grounds for rescission under state or federal law. I exercise my right to rescind pursuant 15 U.S.C 1635, and Regulation Z, 12 C.F.R. 1026.23. This rescission is effective as to all aspects of the transaction, including all document signed in connection therewith, and automatically and immediately places the parties I the status quo ante, i.e., in their pre-contractual positions, before the transaction was entered. I understand that Bank of America have 20 days after receipt of my letter to return all my monies paid in the transaction and to take any action necessary to reflect the termination of any security interest created under this transaction. Per 15 U.S.C 1640 ( a ) States " if you do not cancel the security interest and return all consideration paid within twenty days of receipt of letter, you will be responsible for actual and statutory damages. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1. XXXX XXXX Bank, Account # XXXX, Address ID # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account # 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
Product: Mortgage

I was approved for a loss mitigation/loan modification. I made 6 consecutive payments which was what I was instructed by a representative was what was needed before my past due balance could be moved to the end of my loan. I was attempting to make another payment when I got the voice protemed message i needed to pay all of my past due balance. Finally when I could get a call back and speak to someone on XX/XX/XXXX at XXXX I was told it was cause I was terminated from the program due to a tax lien. I instructed the representative that I faxed the satisfaction of judgement on XX/XX/XXXX XXXX at XXXX and had a succuessful fax transmattel letter to send him to as proof. the representative asked me to hold. Upon his return he told me he found the fax but it was to late and I would have to reapply again. Now I have tried reappling I have spent the whole month of XXXX trying to ensure the morgatage company has the correct documents I have faxes and emails to them plus phone calls where I sit on hold for over XXXX hours waiting to get to talk with a representative. Finaally last monday XX/XX/XXXX a represative called me back at XXXX XXXX we discussed the documents and she couldn't answer my questions and stated that department was closed for the evening however she could schedule a call back for Tuesday XX/XX/XXXX at XXXX, no one called, I have been calling every day since with no luck. I am currently on hold again now for the third time today, XX/XX/XXXX. All I wanted to do was make a payment on my house, I repeated to several representtatives I couldn't make the whole past due but I was making a monthly payment as we had agreed previsouly. I begged them to please to my monthly payments cause I WAS only getting further and further behind and this was only causing me a further hardship. 

( In the attachments I am including an email where you can see I was contacting them back in XXXX asking why my payments hadn't gotten any lower. my last payment the system let me make was XX/XX/XXXX. )
Product: Credit reporting or other personal consumer reports

national credit system 's is reporting inaccurate information on my report from XXXX XXXX XXXX  and I have never stayed there or applied. I think this is AI
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting : TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I tried connecting my PNC card to XXXX and it did not work.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I signed a docusign document with XXXX XXXX for a payoff of my vehicle in the amount of XXXX nothing more nothing less. XXXX received a check in the amount of XXXX on XXXX also paid XXXX toward the car! After being paid XXXX is fraudently charging me interest rates that were not included in the binding contract. Ive contacted all three bureaus attaching my supporting documents and I havent received a resolution. I do not owe this debt to XXXX and it should not be reporting negatively on my credit reports.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I disputed my medical bill of {$720.00} with Medical Data System, and they told me to pay {$650.00} and it will be removed from my Credit Report. i paid the balance of {$650.00} on XXXX which was affecting my credit score.

Medical Data System have not provided me receipt of my payment till today ( XX/XX/XXXX ). i am in a process of buying a house and i need a proof for Loan company, where it shows i made the payment to Medical Data Systems XXXX I called so many times for a receipt and i spoke to the XXXX today " XXXX '' XXXX employee number # XXXX and requested again to provide me a receipt of my payment, they says it takes XXXX to XXXX business days for them to process the receipt and send in the mail, it is my right to get a receipt when payment was made, or at least send me a receipt after 3 days when payment was made ( payment was made on " XXXX '' ). 
i am running out of time with my closing date, and this payment is dropping my credit score XXXX points, which is making my monthly payment really high. 
i really need that payment proof immediately, and i called so many times and requested them. i feel Medical Data System process is not according to CFPB rules, if i already paid and money is taken from my bank account, then why they can't give me a payment receipt, today is 9th day i am still waiting. also they have no system where they can email the receipt to me. they have no idea how system work, they just say it will be processed. i feel i will loose my Due Diligence amount i paid for the house, and i won't be able to get a proof of payment i made.
Product: Debt collection

Back in XXXX I had an XXXX XXXX that required the rental of a passive motion device and a sheepskin pad. At the time I thought that my health insurance had covered the charges, but a year and a half later I got a bill ( XX/XX/XXXX ) in the amount of {$100.00}. I was still trying to sort out the details of the charge with my insurance company and XXXX XXXX, the company that provided the passive motion machine, when I received a letter from Mckenzie Paul and Associates requesting immediate payment otherwise my account would be reported to credit bureau. I then contacted XXXX XXXX and paid the {$100.00} on XX/XX/XXXX directly to them and they told me that they would remove the debt. However, I continued to receive letters from McKenzie Paul and Associates and harassing phone calls. The last call I received from them was in XXXX. I told them to stop calling me and sending me letters because the debt was already paid. They demanded to get a check # or the number of the credit card I used to pay. I told them that they needed to contact XXXX XXXX and that I would not provide them with that information. I also told them to stop calling me or I would report them to the CFPB. I am still receiving letters in the mail trying to collect the {$100.00} that I have paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! My name is XXXX XXXX, I've just discovered that the items I requested for you to investigate and delete have not yet been removed nor did you sent me anything, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. A legal expert told me in an online forum that this is a violation for your willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX is paid in full and should be removed /deleted. This account is posted multiple times with XXXX, Transunion and XXXX. 
XXXX. XXXX XXXXXXXX XXXX is reporting multiple times as well on XXXX, Transunion and XXXX XXXX XXXX XXXX is reporting multiple times XXXX, XXXX and Transunion. 
XXXX XXXX XXXX is reporting closed accounts ie XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have repeatedly contacted Chase Bank regarding an ongoing issue where they automatically deduct {$300.00} from my checking account and transfer it to my investment account, despite my explicit request to stop this auto-debit arrangement. I have spoken to over 18 employees across multiple calls, yet none of them have been able to rectify the issue. The auto-debits occur every two weeks, causing my account to be overdrawn on several occasions. I have not authorized any recurring payments, and there is no reason for Chase to continue withdrawing funds without my consent. Despite my numerous attempts to have this issue resolved, Chase has refused to stop the unauthorized transfers. i do not want the accounts closed, i just want the auto debits ended. 

account ending in XXXX is the account in question.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I disputed several accounts through the XXXX app. Within a day all disputed accounts came back updated and verified with no reason as to how they came to that rapid conclusion. I believe they took no real action in verifying anything. 

Equifax had numerous data breaches. Ive found my personal information on the dark web.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reach out to transunion about the wrong lnformation and pay history being reported incorrectly by department of education XXXX XXXX have i dispute this information on XX/XX/XXXX XX/XX/XXXX, and recently XX/XX/XXXX, and nothing is being done by transunion of violation my right by the FCRA. they are reporting a payment status of 120 days late as well as XXXX late payments from XXXX till XX/XX/XXXX incorrectly therefore should be deleted as in compliance with FCRA filed a cfpb complaint as well and nothing is being done
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the presence of unauthorized hard inquiries on my credit report maintained by your bureau. I kindly request your assistance in investigating and removing these inquiries, as they were made without my knowledge, consent, or any legitimate purpose. I believe that their inclusion on my credit report is unfair and unjust, and I seek resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). 

The following unauthorized hard inquiries are currently reflected on my credit report : Inquiry Date : XX/XX/year> Inquiry Source : XXXXXXXX XXXX I hereby request a thorough investigation into these unauthorized hard inquiries. I require you to verify the legitimacy of each inquiry and provide evidence that justifies their inclusion on my credit report. If you are unable to substantiate the legitimacy of these inquiries, I kindly request their immediate removal from my credit report. 

Furthermore, I urge you to take necessary measures to prevent any re-reporting of these unauthorized hard inquiries to any third parties. Their continued presence on my credit report could result in adverse effects on my creditworthiness and financial opportunities. I expect your assurance that no further harm will be caused by these inquiries. 

Please provide me with a written response within the statutory timeframe of XXXX days, detailing the actions you have taken to address this matter. I anticipate a prompt resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I trust that you will handle this issue with the utmost professionalism and adherence to applicable laws. 

Thank you for your attention to this matter. I appreciate your efforts in rectifying the unauthorized hard inquiries on my credit report and restoring the accuracy of my credit history.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXXAccount Name : XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX accounts ( XXXX XXXX balance : {$3400.00} status : Closed account # XXXX ) and ( XXXX XXXX XXXX : {$10000.00} status : Closed account # XXXX ) on equifax that are on my credit report that keep reporting late. This XXXX accounts was included in my bankruptcy and was discharged. The last reported was XX/XX/year>. For about last 3 year the have been reporting me late. My bankruptcy was discharged and XXXX financial was in the discharge records.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 
I have previously disputed this information and received a response that the creditor verified the information. However, this verification was inadequate and violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs the accuracy and completeness of consumer credit reports. The creditor and credit reporting agency did not provide me with the name of the person who verified the information or any evidence that the creditor conducted a proper verification. The creditor and credit reporting agency did not update the balance or the date of the account as required by the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furthermore, you failed to conduct a reasonable investigation within 30 days ( or 45 days in some cases ) of receiving my notice and report the results of the investigation to me as required by the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V, which protects consumers from unfair or deceptive acts or practices in connection with credit transactions.

I have enclosed a copy of my identity theft report as proof of identity theft, a copy of my ID, Social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a duplicate credit card account on my credit report. 
It is a XXXX XXXX credit card dated XX/XX/XXXX. I already had a XXXX XXXX account that was opened in XXXX. 

I have contacted XXXX, Equifax, XXXX, and XXXX to have this XX/XX/XXXX XXXX XXXX account deleted from all of my credit reports. Only XXXX credit bureau has deleted it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
Product: Credit card

On XXXX Chase closed BOTH of my credit cards. I feel certain this was because I filed a complaint against an employee that refused service ( for no reason ). My son and I were trying to restored our co-owership after Chase removed if in error after updating PODs. It was a Saturday, so there was only one banker available ( one that I had previously told the manager about being rude )
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 Number # XXXX, Account name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account XXXX # XXXX, and XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. I want a fraudulent account to be removed from my credit report immediately because they hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase a car and they were only suppose to use my pre approved letter from XXXX  XXXX but instead they ran it with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 want to emphasize that I have previously disputed these account on several occasions in the past. Despite my previous disputes, the charge off entry remains on my consumer report, which raises concerns about the accuracy and compliance of the reporting agencies with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Genesis Credit Management Columbia Debt Recovery XXXX XXXX I have disputed these accounts on all three credit bureaus stating that they have the wrong information and they keep telling me i have wrong information. 

I paid version wireless and sent them the copy of my receipt and they stated that they would remove it, but XXXX XXXX refused to remove it. 

Genesis and Columbia are reporting for the same XXXXXXXX XXXX XXXX. I gave them their two month Notice to vacate and they refuse to acknowledge the receipt of my notice. I requested that both companies remove this from my report as false and they refuse to remove it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please see attached FTC report and block the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was XXXX on XX/XX/XXXX, it has been brought down a few notches for some unknown reasons though we suspect it may have a lot to do with high potency of XXXX now available at Experian. 
Perhaps you can check and find reasons for this mystery.