23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HELLO Since XX/XX/XXXX I changed my company to follow you, an XXXX executive told me that at any time I wanted, I could change without problem and after a year and a half of being with them I decided to change, the policy payments were in automatic to my bank account. From those dates I changed my address and did not notify the XXXX of the change because I no longer had any dealings with them. Since that date I was covered by auto insurance with XXXX ( my new company ). 
A few days ago they told me about the previous address that had some letters and I went for them realizing that they already had me in a collection because I owed XXXX, ( I had not found out about all this until a few days ago ) I am not refusing to pay what that is owed but it is not fair that they send me to collection without first notifying me of my debt. I also do not understand why the XXXX, having direct payment to my bank, did not charge the month and a half supposedly due if the direct payments are canceled in XX/XX/XXXX, and I do not agree, it is unfair that they want to charge me for a coverage that I did not want nor was it necessary since since XXXX I left the XXXX I was with XXXX, this new car insurance company, they assured me that when acquiring the new policy between the insurers there is communication to know the changes and it is not necessary for me to be communicating to the XXXX this change. The XXXX were so aware that they sent my bank a notification of the change in auto insurance company. 

As you will realize, these people are acting fraudulently, because they have no reason to send me to a collection and harm my credit if I never fail with the payments, I only decided to change the company to suit my interests and it is completely legal. 

Tell me where I can send you the documents that support my argument. 

Thank you, XXXX XXXX remains at your service. ( I don't speak English so I used the XXXX translator )
Product: Credit reporting or other personal consumer reports

Student Loans are showing on my credit report under DEPT OF ED/XXXX  Account # XXXX for the amount of {$1800.00}, my other student loan that was reporting was removed but the otheris still on which both loans have the same reporting dates they were previously under XXXX/DEPT ED for the same amount which mean the accounts were sold. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping. Also my loans have inaccurate information with different dates showing for opening dates, last reported, last active, and last payment dates across all 3 agencies.
Product: Credit reporting

Credit reporting agency will not remove paid tax lien even though documentation states that it is " paid, satisfied, and cancelled from the record. ''
Product: Credit card

My husband and I signed up for the XXXX XXXX XXXX Credit Card on XX/XX/year> under the promotion of receiving XXXX points if you spend {$5000.00} in 3 months. We spent {$5000.00} on the card within 3 months per the guidelines. I then sent multiple requests to Chase ( the credit card company issuing the card ) to see when I would receive my points, starting in XX/XX/year>. They kept saying it would come within XXXX weeks. I kept following up and finally received a response in early XXXX saying that they have provided XXXX nights free that is " like XXXX points ''. This was apparently in the fine print somewhere. There are also restrictions with using the XXXX free nights in many of their hotels based on the point level, so you have to find a hotel that is less than XXXX points a night to use. So I requested that they provide the XXXX points to both XXXX and Chase. They blamed each other and told me to contact the other party to resolve. After many communications, Chase finally said they can't honor the request. This is fundamentally false advertising with big, bold letters of " XXXX points '' vs " XXXX free nights '', especially to those folks whose first language is not XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted this company to tell them that my credit report shows that it's paid off. Then, when you scroll down, it says collection account. I left several messages, but none of them were returned. 

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Soc Sec Admin Office : XXXX  XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/XXXX, and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). 

According to 15 USC 1681 5, they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2, they are supposed not to 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. 
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Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 i mailed a dispute to experian about some collections accounts that i have no knowledge of and requested a investigation. It has been a little over a month now and have yet to get any knowledge or information about my request.
Product: Money transfer, virtual currency, or money service

Hi. I was scammed for {$800.00} through a XXXX XXXX transaction via Zelle on Tuesday, XX/XX/20. 
I am selling a couch for {$600.00} on XXXX XXXX. Someone wanted to purchase it immediately for {$700.00} and offered to pay via Zelle. I agreed, gave her my Zelle email and I got an email from Zelle saying XXXX XXXX ( the buyer ) sent me {$700.00}, but she sent it to me via a business account and in order to obtain my money, I needed {$1000.00} in my account to fully activate it - so XXXX would have to send me another {$300.00}. XXXX agreed via XXXX XXXX as long as I paid her back immediately, so I got an email a few minutes later from Zelle saying she sent me {$300.00}. I then sent XXXX back {$300.00} via Zelle and got an email saying my account was validated and I would be paid immediately. I then got another email saying that XXXX accidentally sent me {$500.00} so they could not clear my account and that I would have to pay Zelle {$500.00} to pay her back before they could send me my money. So I sent another {$500.00}. At that point, I was out {$800.00} and sent an email asking when I would get my {$1500.00} paid ( {$700.00} for the couch plus the {$800.00} I was owed ). They responded right away stating another problem and that I had to pay another {$500.00}. At that point, I realized I was being scammed. I submitted a claim with XXXX XXXX XXXXXXXX and Zelle, but I haven't heard back from either yet on the status of my claim. From what I've understood from the bank, they are refusing to cover the {$800.00} since I sent the money voluntarily. However, I was tricked into doing this and it was a clear scam- it's no different if my credit card got hacked for {$800.00} and the bank had to cover it. I've been a XXXX  XXXX XXXX XXXX for XXXX years and have tens of thousands of dollars with them, so it's disappointing to hear that they are not supporting me. Zelle has also been very unhelpful. I've spent hours on the phone with them trying to get someone to speak to me. It's too easy to get scammed on their platform and they don't seem to care or do anything about it. It's been 48 hours since I submitted my claim on Tuesday, XX/XX/20 and I still haven't heard anything back. The scammer has probably cancelled the account by now and just has my {$800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX XXXX XXXX XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

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

On XX/XX/2018 a hard inquiry was found on my XXXX and XXXX  credit report. The inquirer is Premium Credit Bureau. I did not authorize this inquiry. I have contacted the company but have not received an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ; EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my XXXX credit report and found the following item ( s ) to be in error 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 received a copy of my XXXX credit report and found the following item ( s ) to be in error XXXX XXXX XXXX DateXXXX XXXX received a copy of my XXXX credit report and found the following item ( s ) to be in error : 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

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 personal addresses incorrect. 

I looked at my Transunion credit report On XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( i ) ( 5 ) they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promply notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681 ( s ) -2 they are suppose to 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 paid off my lease in full within 90 days XX/XX/scrub> 2023 with ACIMA in the amount of XXXX They some how reversed the payment XXXX XXXX2023 and applied to back to my account XX/XX/scrub> 2023 and now they are charging me an additional XXXX dollars They keep sending me settlement. Offers I should have a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items will be corrected ASAP. Thank you. 
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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX continues to re add fraudulent account to my credit report FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S. Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my EQUIFAX credit report : FRAUDULENT ACCOUNT : XXXXXXXX XXXX ; XXXX, {$1500.00} this Account were OPEN without my authorization and are fraudulent and are a violation of my consumer rights under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed above. 
Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 2016 ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts
Product: Checking or savings account

I am complaining in addition of first. I have address service process and just went to have access to find blocked to access and availability. Called customer service with representative of process address information of interfere process of capabilities with problem of concern no assistant still on online access to funds for transfer family member needs .. transfer not available of my account that is as customer with bank monitor with capabilitie with my account and who is capable for access or approval. Concern when my money is needed and not available at time. I just want to question service process not addressed documented example in vestigations of account account question ant nyk investigation outcome leaving question address..no access to disputes transaction online always had access and service availability cancelled with out knowledge not approval not available question of reasons no response. Also withdrawal of service of credit approval for not available fund with Checks deposit availability income assessment availability. All consider involvement of bank access as customer here in XXXX  as a continue customer from XXXX. A always trust well Fargo bank will stay as a value customer if questioning and it '' s capabilities and interest. Consist banking processing.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance Owed : {$340.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed : {$7200.00}
Product: Checking or savings account

Just wanted to connect my bank account to the XXXX  app to assist with possible boost of my credit score, since I use this account to pay my water, electric and mobile phone service via Capital one.
Product: Credit card

I was charged a late fee on a credit card payment with CITIBANK due to stolen us mail statement, I being a client for Citibank for over 20 years, and when I got the notice 2 days after the due day, I call them 1st, they offer to reduce the late fee by {$15.00}, I told the rep, should be the entire amount, but it escalate it to the manager who said it will wave nothing.I went to the local branch and made a payment personally. I wrote them a letter with all proof of mail being stolen, and received a response of not accepting, on my next statement they have add extra minimum charges. 
Citibank is changing the credit card policies to get more fees. without proper notices, I as a consumer agree on a bank making their % money and fees as long AS THEY DISCLOSE THEM PROPERLY, Citibank to my opinion is not doing this part clearly and honestly.
Product: Student loan

This is a second complaint against Sallie Mae. They lowered my monthly payment for one month, and than decidely increased again the next. It was XXXX in XX/XX/XXXX, and now in XX/XX/XXXX it is XXXX. They also removed all my online documents without approval between those months. They have increased my interest rates without approval, and I was suposed to have a fixed rate. And they have also not cleared up their previous errors nor removed their reporting to the credit agencies of their error so my credit report is a nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to XXXX, Transunion, and XXXX and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$1000.00} None of these accounts belong to me, I contact them before, and no one seems to care next step is to file a law suite .