23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Balance : {$7800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX Balance : {$7800.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern, I sent a letter to Experian XX/XX/. Here is my mailing tracking number XXXX ( XXXX XXXX XXXX ) to remove incorrect personal information from my credit report. 

According to 15 USC 1681, I the consumer have the right to privacy, which this agency has violated being that I did not give them written permission to include such information. Also, according to 15 USC 1681, agencies must be reporting accurate information. This information is inaccurate and i would like it to be deleted intirely.

Along with these violations, the agency has also Violated 15 USC 6802. No financial institution is supposed to share my personal information with any third parties. 

These are clear violations oof my federally protected rights and i would like them corrected immediately. Thanks so much.
Product: Debt collection

I gave a 60 notice to XXXX XXXX and they are charging me rent for months after my lease ended. They double charged me for all the utilities for the entire year of my lease. This was because they were having constant water shut offs and they said the company was backlogging the accounts withe the landlord. This is not the residents issue and we shouldn't have to pay for their problems. I tried to resolve this with them but the were very rude and told me I had to just deal with it and pay. I have all the monthly statements for the utilities. 
The entire lease, they made the place unlivable ( water shut offs every week, leaky AC unit, clogged sinks, cracked toilets and showers, foundation cracks and shifting, electrical shortages ( fire hazard ), clogged dryer outside vents ( fire hazard ), very rude and loud neighbors everyday ( which I tried to consult with them but the got very aggressive with me ). All of these issues I tried to resolve with landdlord but they did not fix. I don't owe them a XXXX! I paid my rent on time every month and even paid the extra {$60.00} every month for their problem!
Product: Debt collection

I am receiving numerous calls either to my cell or now to my employer.. leaving a number of XXXX ARS. I am fed up with being harassed on my phone and now at my work. 

I do not owe ARS anything and if I do, they should go through the proper channels of collecting a debt. ie, sending a statement.
Product: Debt collection

Around mid XX/XX/XXXX I starting getting calls from XXXX XXXX since my wireless provider flagged the number as suspected SPAM/Fraud. I refused to answer the number. The calls keep coming daily and multiple times per day. I finally out of curiosity answered the a call later in the month XX/XX/XXXX around XX/XX/XXXX of the month. I asked who they were and why were they calling me. They refused to id themselves and asked for my birthday social security number to id me before they would tell who they were and why they were calling. I told them I would never provide sensitive information that could result in ID theft to unidentified caller id as SPAM suspected Fraud by my wireless provider. They still refused to say who they were and demanded my personal info again. I hung up on them. The calls kept coming and I decided this time to co call back around the end of XXXX hoping to hear a company name or information. None was provided Rep picked up refused to say who they were. Again demanded my personal information before they would provide who they were and why they were calling. On XX/XX/XXXX I got letter dated XX/XX/XXXX from State collections Service Inc with XXXX number listed that was calling me. I proceeded to call and asked why? the couldn't have said I'm with State Collections Service Inc and I'm debt collector attempting to collect a debt? The person said we don't do that until we verify we have the correct person. This is appalling a debt collection company will not at least say who they are. How is that in line with FDCA orr ACA  practices? I settlement the final amount owing to the Hospital and bill is not paid in full. But, I wanted this complaint noted as I don't see how the XXXX gives this company A+ with all the negative complaints. How is anyone raving about debt collection company that calls you for weeks before sending the letter on the debt. In this day and age of rampant ID theft how is it fair practice to call people and not at least saying your company name and your debt collector? Where is that problem you're not discussing the account they're calling on or any other information.
Product: Vehicle loan or lease

I had a XXXX XXXX lease ( VIN XXXX ) and returned it in XX/XX/XXXX. Before the lease return, I replaced 4 tires per lease end guideline to avoid excess wear charge. Also in XX/XX/XXXX I purchased a new XXXXXXXX XXXX  ( VIN XXXX ) with cash. In early XXXX I received the final bill which included {$390.00} disposition fee and {$320.00} excess wear charge. I want to dispute both charges. 
First, my lease agreement XXXX ( t ) says " Disposition Fee Waiver : The Item 4A Disposition Fee will be waived if you purchase or lease a new General Motors vehicle when the Lease ends ''. Since I purchased a new GM vehicle, the disposition fee for my lease should haven been waived. 
Second, I replaced the 4 tires per lease end guideline and emailed GM Financial the tire receipt. So the excess wear charge should have been removed. 
Therefore, I want GM Financial to waive both excess wear charge and disposition fee which was {$770.00} in total and refund my payment of {$420.00} for the bill.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX Survivor and I really need your assistance with helping me get back on track. I am working with my advisor to get rid of all the fraudulent accounts that occured due to XXXX XXXX. Please investigate and remove these accounts from my credit profile within 4 business days according to Section 605c of The Fair Credit Reporting Act as a result of XXXX XXXX  Debt Bondage relief program. 

Thank you so much for offering assistance to survivors like me. No one understands how hard it is to get back to a regular life after going through so much but I am very grateful for the assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation inaccurate information must be removed sent po report and idthft gov
Product: Credit card

I was haggled into a " sampler package '' of a time share with the tactic of being 0 % APR for the first six months on this credit card. This was after almost two hours of high pressure tactics. It was not only afterward that I regretted it but very much so a month later learning this purchase was at 18.99 % the bank informed me. They gave me a run around to get it fixed and it still is n't fixed. The first gentleman I talked to I vented my extreme frustrations on with learning about how I was scammed a second time. He told me to call XXXX XXXX and if they did n't work with me, he 'll submit the dispute. The second time I called with my Financial Advisor I learned they are partners with XXXX XXXX and sent my information to their customer care of whom can only be contacted by fax. I am completely unsatisfied with XXXX XXXX. I do not want this credit card. I do not want this purchase that was made on this credit card. My next step is to put a complaint against XXXX XXXX XXXX. The money lost below is not including the interest. I have not paid yet but so I do n't mess my credit up I will have to. I am going to fight my best to get out of this scam.
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX XXXX XXXX has showed up on my report with incorrect information. Also, I do not know this XXXX XXXX or why they are on my credit report in the first place. I did not put any or request any loans with XXXX XXXX. This is a fraud and violation of my credit reporting. This needs to be removed immediately. My loan is with XXXX and did not agree to moving my loan to no one else. 

Several Account # XXXX
Product: Student loan

On XX/XX/XXXX, I called Salliemae and spoke with XXXX regarding my student loans. I explained my needs and Salliemae refused to work with me. I offered to pay {$250.00} this day, but they refused this payment and wanted my account balance up front. I tried their repayment option to lower my monthly payment, but they refused to acknowledge extra income that would have made me eligible. They withheld any other helpful options. 

On XX/XX/XXXX, I called Salliemae and spoke with a man. Name unknown. I requested my promissory notes for my loans. He said to keep an eye on my email for the next 24-48 hours. No documentation was received. 

On XX/XX/XXXX, I called Salliemae again. I did not receive emailed promissory notes as requested. I called to confirm my request was made. I spoke with XXXX XXXX who told me the promissory notes would take 5-7 business by mail. Again, no documentation was received. 

On XX/XX/XXXX, I called Salliemae again. The 5-7 business days had passed and I received none of the requested documentation for my loans. I spoke with XXXX XXXX and explained this. I asked why I didn't receive my promissory notes, and he said that it " isn't a big deal '', that I " should take accountability '', and just pay what's due. I requested documentation again. None was provided at all to prove my loans even exist. I believe Salliemae has lost my original loan documentation, promissory notes, and paperwork to prove my loans exist. They have engaged in threatening behavior and harassment to get payment for which they refuse to prove. They refuse to work with me at all. 

On XX/XX/XXXX, I had a certified letter with a tracker mailed to Salliemae. The letter was scheduled for delivery on XX/XX/XXXX. I stated multiple times over the phone and in this certified letter that I would not be paying anything until they give me requested documentation. I requested multiple times that this not be sent to credit bureaus and to collections until they can prove the loans and give me paperwork. They have refused my requests over and over. This is damaging my credit score significantly due to their unethical practices. 

On XX/XX/XXXX, I went on the Salliemae app on my phone. The app showed there are NO loans origination documents for my student loans. 

The week of XX/XX/XXXX, I disputed Salliemae loans on my credit reports through XXXX, XXXX, and XXXX. I am happy to comply with this dispute, and to have this inaccuracy and unethical behaviors investigated. I can supply supportive documents upon request. Thank you.
Product: Debt collection

I had a personal loan originated by XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) default as of XX/XX/2023. This was the last communication that I received from XXXX. On XX/XX/2023 at XXXX PST, I received a call from my brother asking me if I had done business with Alliant Capital Management or was this a scam. I had not heard of this Alliant Capital Management and thus I found it odd that my family was conducting regarding the collection of debt without my knowledge of any collection activity. Please investigate and rectify these inaccuracies in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDUCATIONXXXXXXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXXXXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX XXXX and DEPT OF EDUCATIONXXXXXXXX  XXXX XXXX Please update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Based on the information provided, we believe that your personal information may have been impacted by this incident. '' May? 

So Equifax did n't protect my data, sold their stock before releasing the bad news about the hack, and are trying to XXXX me out of my rights to a lawsuit with their arbitration clause.
Product: Debt collection

Recently received a collection notice from second round sub llc for an account with XXXX XXXX that is not my debit. This is a fraudulent account.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report.

# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXX ) XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX Account Number : XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Debt collection

this is an issue of debt collection abuse this is against the lawportfolio recovery associates has a pending case of debt collection abuse from cfpb
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. I was never given the opportunity to agree or rescind this information be reported to a credit reporting agencies ; nor was I given the opportunity to deny. Again, I have the right to privacy, and what goes on my credit report. Please update all information to reflect paid as agreed and refrain from any such actions in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX
Product: Money transfer, virtual currency, or money service

Unfair and deceptive practices! We are at XXXX XXXX XXXX and decided to use PayPal to process our credit card transactions. We went online and processed the credit cards. PayPal said there is a 21 day hold on funds because XXXX XXXX wasnt used to do this, that I used PayPal Here. Which it also allows you to do virtual card processing. It is confusing and deceptive in order to hold money and make interest. They currently have a hold on over $ XXXX. With the country halfway shut down and money is tight they refused to offer any type of onetime resolutions. We sell a service not products so we do NOT have shipping labels.
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 XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

These are inaccurate and should not be on my credit report, I demand to have them removed
Product: Mortgage

I live in the XXXX floor of a XXXX story residential building that is actually located in a flood zone. My mortgage lender is threatening to impose a lender imposed supplemental flood insurance policy since the condo association master policy allegedly does not suffice needed coverage. XXXX XXXX covers a little over XXXX K per unit and they are requiring XXXX XXXX I really think is abusive and even stupid to require that I pay for extra flood insurance when in fact I live in the XXXX floor. It will require a tsunami to hit XXXX in order for my unit to get flooded. I believe this is an abusive practice and I feel that consumer need to be protected against it.
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to get an extension on a due date of XX/XX/2019 and they assured me it would not go against my credit. It is showing as a late payment. XXXX refuses to fix it, and the report I filed with Experian did not show any updates once completed. The reports I filed with XXXX  and XXXX  have not been resolved or responded to after a considerable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ha been unable to resolve a dispute against XXXX XXXX XXXX because their system only has 3 reasons to dispute and they go by codes and none of the codes fit the situation so they are unable to process for the reason that I tell them they just pick one and it does not apply so it does not work. They need add more options and be more flexible.