23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On or about XX/XX/XXXX I settled an credit card account with XXXX XXXX XXXX. The debt was cancelled, a XXXX was issued and the information removed from the credit report. Additionally, it is well past any timeframes to be listed on any credit report and is outside the statute of limitations. However, as of XX/XX/XXXX XXXX XXXX XXXX re-listed the account on 2 credit bureaus - XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken XXXX to court on a civil claim i have written them countless letters i was involved in the data breach where my information was taken i was also involved in the data breach with capital one i need a resolution the have my credit fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry from XXXX on my Transunion credit report. I did not open this application. I've placed calls to both Transunion and XXXX bank. XXXXXXXX XXXX agreed that this was a fraudulent act and they were going to have it removed from all credit reporting agencies. It's still on Transunions report. I don't have an open application and I want this removed immediately. I did not authorize XXXXXXXX XXXX to open an application, therefore this is in violation of the law according to FCRA. 

Transunion refuse to delete this. My next step is obtaining an attorney!
Product: Credit reporting or other personal consumer reports

When checking my recent credit report I have noticed that XXXX XXXX XXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXXXXXX XXXX XXXX XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX XXXXXXXX XXXX XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX XXXX XXXX or the company that they are collecting for. 
I disputed this debt with Equifax on XX/XX/year>, XX/XX/year> XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year> and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 
XXXX XXXX : XXXX : {$12000.00} XXXX  XXXX : XXXX : {$7500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has continued to list a public record of a Chapter XXXX bankruptcy which XXXX and XXXX have removed from my credit report as they couldn't verify it. I have asked transunion for proof and they have said that hey verified the bankruptcy through the courts which is a lie. I have had a security freeze on my XXXX XXXX since XXXX or XX/XX/2016 and so they can't and won't provide the proof that this might belong to me. I have challenged them on 2 different letter writing episodes but to no avail. 
I am simply asking TU to do what is right as they haven't been able to truly verify anything or show needed proof.
Product: Debt collection

This bill is not being paid because the provider posted unauthorized charges. I called numerous times to reconcile but the office manager refuses to discuss adjusting appropriately even though I have marketing documentation showing promotion rates at the time of service. Bad provider fraudulently charging fees never authorized. I always pay my bills as can be seen by my payment history for much larger amounts but I will not pay this fraudulent bill and be held hostage to a dentist office manager who chooses to make up rules and fees as she desires. No one should be held to pay whatever the provider charges without recourse because they post a charge to collections without having to justify their actions. I suggest all stay away from this provider and find another dentist who is about patient care and not robbing people holding them hostage by sending them to collections because they increase fees without approval from the customer. 
This is NOT about {$250.00}, but the point of this dentist fraudulently charging fees and being very rude when trying to gracefully reconcile the correct amount for prompt payment. I will not pay this erroneous charge. For all those seeking my business, please feel comfortable by seeing my overall payment history that I pay my bills on time for much larger amounts. It is simply the point of it. Thank you in advance for your consideration. 
XXXX XXXX
Product: Debt collection

This company is sending out mass mailers telling people/implying they will be arrested if they do not pay. Aside from the fact that the debt isn't even valid, I'm shocked at being threatened with arrest unless I pay out. This company sends out so many of these mailers that I have another one for an entirely unrelated person that was also mailed to my house!
Product: Debt collection

Another account that I have been trying to validate and they failed to do this. Keep sending the same vague printout information. No proof of ownership, no proof of my personal information, no proof of signatures rendered for this service. This account keeps getting verified by credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with the company along with disputing it. XXXX and XXXX has correct but transition continues to make me dispute and send results 30 days later saying the information reported is correct. It had caused my credit score to be low.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the fair credit reporting act, the list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states.

a consumer reporting agency can not frumpish an 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 tems of information any other adverse Tem of information, other tan records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( a ) 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 delete the accounts below XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I ordered a Tesla XXXX XXXX on XX/XX/XXXX and signed a leasing agreement on XX/XX/XXXX, paid {$1600.00} down and took delivery of the car same day. On XX/XX/XXXX I received an email from XXXX XXXX who works at the Funding Resolution at Tesla stating that there was a funding issue because the bank did not accept my husband 's income to qualify the lease without him co-signing the lease with me because I do not have an income. They asked that I " undeliver '' the car by unpairing it on the mobile app and start a new application with my husband as co-signer, with new rates and conditions ( losing the 6 months Free Supercharge offer I got with this vehicle )!! Because my husband is not able to co-sign with me due to financial reasons, we were only left with the option to return the car after more than two months of driving it. We agreed to pay the cost of miles driven and were promised to get a refund of the remaining balance of the down payment after inspecting the car for any damages. We returned the car at XXXX on XX/XX/XXXX with XXXX driven miles which x {$0.00} = {$610.00} and I have a video recording showing that the car had absolutely no damage and in perfectly brand new condition inside out. They promised to return the {$7500.00} incentive to the federal incentives and send me a check of the remaining balance of the down payment within 2 weeks. I made multiple attempts to follow up and never got a single reply to many emails I sent which is very disrespectful. Instead of apologizing for the mistake that was totally their fault they are treating me with total disrespect. I want my money back ( $ XXXX $ XXXX {$1000.00} ) and transfer the 6 months free super charge offer that I lost upon returning the car to my other Tesla car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent pull of my credit report : XXXX inquires XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XX/XX/22 Transunion inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hasnt properly verified fraud on my report.
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. 
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 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: Payday loan, title loan, personal loan, or advance loan

I recently reviewed a copy of my credit report and was shock to notice all the previous miss payments I had. I call the credit card company to resolve the problem they notice it was an incorrect area on them. They removed all the late payments interest and got everything back in order. I notice the late payments is still showing up on my credit report cause my credit score to be terrible. I'm in the process of purchasing a home for my family I please ask can you get the late payments remove from, my account and my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I got a mortgage with INVESTORS BANK, for my brownstone at XXXX XXXX XXXX XXXX XXXX NY XXXX. I paid in advance {$12000.00} XXXX XXXX XXXX dollars ) for the appraisal, appraisal review, environmental report and engineer report. I have been asking for months that my appraisal is sent to me, the bank refuses and states that is the bank 's property and will only be released only at closing. By law I am entitled to a copy of my appraisal. On the term sheet -that I signed- does not say that it will be released only at closing. I called the broker XXXX XXXX from XXXX XXXX XXXX and directly the bank. My attorney XXXX XXXX XXXX XXXX. has spoken with XXXX and they still refuse to give it to me. They state that I have to send a letter of cancellation and refusal of the commitment in order to get it. This is unlawful. What can I do to get my appraisal? I am a XXXX XXXX, a widow, and have several times refinance my brownstone that I have owned for close to 40 ( forty ) years. Please help!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX phone XXXX XXXX XXXX email : XXXXXXXXXXXX Many thanks
Product: Checking or savings account

US Bank reversed a transaction for {$82.00} from XXXX for a night I didn't stay there and a week after they left. They also reversed {$510.00} charged to me by XXXX again for credit owed to me by the XXXX hotel and nearly a week of days I didn't stay there. XXXX already owed me a {$100.00} on top of that for my deposit. And US bank didn't even send me a letter warning me of the last transaction for {$510.00}. They just took the money back. They didn't contact me to ask me for any evidence for which I absolutely had. The debit card team refuses to return my calls. I have solid proof that my claims are true and US bank seriously doesn't even contact me over this. I moved into an apartment, the payment even shows on my bill for XXXX XXXX. I am taking all my money out of US Bank because you don't protect your client 's money and I will either be getting a lawyer or taking them to small claims court. They already caused me to lose hundreds of dollars by improperly handling an earlier case and their agents not giving me the correct advice when I could have done a XXXX dispute as an alternative. US Bank absolutely is not handling this legally and is the worst bank I have ever dealt with.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase bank opened a credit card account in my name this evening without my requesting such an account. I do not now, and have not previously, had a credit card account with them.
Product: Credit reporting or other personal consumer reports

Subject : XXXX Privacy Rights Violation and Correction Request I am writing to bring to your attention several critical issues related to my credit report. Enclosed, please find copies of documents that demonstrate XXXX violation of my privacy rights under The Privacy Act of 1974. Specifically, I want to address the following concerns : 1. Written Instructions and Violation of My Consumer Rights : o According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies can only provide a consumer report based on written instructions from the consumer. I have not explicitly provided written consent for XXXX to share my information with XXXX XXXX, Credit Collection Service, and the NY Child Support Enforcement Agency. This appears to be a violation of my rights. 
2. Revoke any consent o Any and All consent to XXXX ( Furnisher of information to credit agencies ) whether it be ( verbal, non-verbal, written, or implied ). or otherwise, is revoked. 
o I was never informed of my right to exercise the nondisclosure option, as stipulated by 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to the nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
o XXXX is prohibited from including certain items of information in a consumer report without proper authorization, especially adverse items. If any inaccurate or unauthorized information has been included, I request an investigation and correction. 
3. Maintaining Reasonable Procedures Designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to authorized purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. 
4. Opting Out of Reporting Services : o As per 12 CFR 1016.7, I formally opt out of XXXX reporting service and prohibit the sharing of my information with third parties. 
o Please ensure immediate compliance with this request
Product: Checking or savings account

In XX/XX/XXXXI called the number on my CD documents to determine the amount still in the CD. The last transaction was in XX/XX/XXXX. I was transferred many many times and could not get an answer. Eventually I was informed by phone that the records could not be located. I called the local consumer news advocate who also spoke with US Bank. Then, in XX/XX/XXXX I received a written letter that there was no information regarding my CD, it must have closed. My CD has not closed, I purchased three CD 's at the same time int he same amount. I used 2 fully and withdrew {$1100.00} from this CD in XX/XX/XXXX, afterwards, it kept renewing, as it had been. Now, I can not get any information about the CD.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. It has been XXXX months and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Product: Debt collection

Midland Credit Management Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Have threatened to take me to court over a debt. I was afraid so I made a deal with them. Now they are doing it again. They are Attorneys that use scare tactics and threats to get you to pay from a Debt they bought from someone else JDB = Junk Debt Buyers. Phone calls and letters to sue me again over a bill that was {$300.00} dollars and they want {$870.00}. This firm is disgraceful and the worst kind of lawyers you could imagine. It has been a nightmare.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXX XXXX Subject : Formal Dispute Regarding Negligence and Non-Compliance under XXXX  XXXX XXXX Section XXXX I am writing to formally dispute your recent actions ( or inactions ) that I believe constitute negligence and non-compliance, resulting in damages under XXXX XXXXXXXX XXXX Section XXXX. 

Description of the Issue : On [ specific date ], [ describe the event or action that caused the issue ]. Your failure to [ specific act of negligence or non-compliance ] has directly resulted in [ specific harm, damages, or inconvenience caused ]. 

Under Civil Code Section 16810, parties are held liable for damages arising from breaches of their obligations, particularly when such breaches stem from negligence. Your failure to [ specific responsibility they neglected ] violates the legal standards outlined in this section. 

Requested Resolution : To resolve this matter, I am requesting the following : XXXX. [ Specific action you want them to take, e.g., reimbursement, corrective measures, or an apology ]. 
XXXX. [ Any other remedies you seek, such as ceasing certain actions or providing documentation ]. 

Please respond to this dispute in writing within [ reasonable time frame, e.g., 14 days ] of receiving this letter. Failure to address this matter adequately may leave me with no option but to escalate the issue through legal channels. 

I trust you will give this matter the attention it deserves and look forward to a swift and amicable resolution. 

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

I was shocked when I received my credit report and found a late payment on the date below.
Creditor : XXXX Account # : XXXX I was never late 30 days in XXXX 2015. I am not sure how this happened. I have always made my payments on time. My only thought is that there was a billing error with my statement.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states, '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the
Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A financial institution by definition under that title.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is now revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless t
he consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. 

Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consum
er reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.