23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed the validity of this medical bill on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and in XXXX directly with Alliance. I have also disputed with all the credit bureaus. Alliance have failed to provide me with physical evidence bearing my signature as requested. They only provided me with a generic bill not an original statement from the creditor. I have not contract with Alliance agreeing  to pay them but yet they have ignored my numerous request to provide me proof. They mailed me a verification letter of my name and address which is not what I requested. I would like them to remove this account from my credit reports as this is causing damage for me to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  XXXX XX/XX/XXXX {$4400.00} XXXX  XXXX XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XXXX XX/XX/XXXX {$2200.00} late payment XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX personal information Current Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXX
Product: Credit reporting or other personal consumer reports

consumer applied for a personal loan with XXXX XXXX XXXX XXXX as a federally protected consumer I have notified the credit agencies XXXX, XXXX and Experian I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 PENFED IS AN FINANCIAL INSTITUTION EXPERIAN IS THE UNAFFILIATED 3RD PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( 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. XXXX HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XX/XX/22 to have additional personal information remove from my report the rep I spoke to confirmed the info i request to have thats correct to stay on my report. She verified it would take 24 hours to be removed. I called XXXX again today XX/XX/22 to inform them I still have info that was verified to be taken off its still on my report. They advised the name is linked to an open accounts. It is listed as also known as. I informed XXXX I do not go by an alias name nor did I ever go by another name previously. The accounts they are speaking of has collection on it. It can not be in collection and open at the same time. The address XXXX refuse to remove I never live there and I told them I never live there before. They said that that address is linked to an open account and I advised them that open account was on my report years ago and this address is just populated on my account. I advised them that I have the paperwork with the address that should be on my report from that company available to send to them but they said that may not help and I have to reach out to the company. I explained to XXXX that I spoke to the company and they sent me information to address thats on the account and it is not the XXXX address thats reporting on my consumer report. I informed XXXX three times that they are violating my consumer right 15 USC 1681B and they did not seem to care because they say they are following their policy and I explained to XXXX that federal law Supersedes their policy.
Product: Debt collection

I have been trying to fix this problem for a long time ( over 15 months ), have offered pay-off, settlement etc. 
Company keeps calling me on a daily basis, about 3-6 times per day from different numbers. 
UNIFUND ownes this debt. XXXX XXXX XXXX calls me all the time, instead of providing a signed settlement in writing - they have provided a setetlement, but with amount too high, I had explained to them that I am under a single parent COVID-19 hardship with no income since XXXX. 
RThey sent me a settlement that they did NOT SIGN, amountb too high. 
They need to provide a settlement offer that I can AFFORD and that they SIGN before they send it to me. A printed out settlement offer NOT signed is not valid and I can NOT send any money to them if it is not legitimate and SIGNED!! 
They also need to assure that they will dismiss the lawsuit against me within 10 days after receiving the 1-TIME SETTLEMENT PAYMENT, that they will provide a copy of the dismissal of the lawsuit to me within 15 days, that they will refrain from suing me about this matter and the remaining balance in the future, that the entire debt will be dismissed with my one time payment of {$200.00} They just called me again from a robo-call saying they are offering a disount, press 0 - when I pressed 0 the call was being disconnected. 
Another company - XXXX XXXX - keeps also calling me, claiming they own this debt and that I have to submit payments to them ....
Product: Student loan

I took out this loan a long time ago when I was working on my XXXX degree. I recently about a XXXX ago finished my XXXX Degree. I have a private student loan with Wells Fargo. I explained to them that as of right now the XXXX dollar monthly payment would not be feasible due to unexpected expenses that came up. They offered me a XXXX month forbearance which they went back and forth people telling me different things and I think I received XXXX month forbearance. I asked if there is anyway to get my payment lowered for a while because I definitely want to make my payments but I just ca n't afford what it is set at now. They said no there is nothing that they can do to help me, they can not lower the payment and that I just have to deal with my payment amount and make my payment. I ca n't believe that there is no help for me whatsoever. Is there anyone out there that can help me? Wells Fargo never wants to help you, it is always your fault, I just need it lowered for a while so that way I can make the payments on time. Please let me know if there is any help.
Product: Student loan

My student loan is being report reported incorrectly. I originally borrowed roughly XXXX and I still have the consolidation promissory note from XXXX  from AES. 
AES is reporting that after 10 years of payments of XXXX, I still owe XXXX. What? I have paperwork they sent me that has me down as two loans each for XXXX. Same date on both. One is a duplicate as they are at fixed rates. One says unsub, the other says subsidized. I've filed complaints that keep getting closed, I've spoken for hours with rude people. They reported to XXXX that I still owe XXXX. 
My sub loans equalled roughly XXXX My unsub loans totalled roughly XXXX. 
Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX XXXX and Experian Credit bureaus are currently still reporting XXXX XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, XXXX and Experian are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX 1

5 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 4 business days after the date of receipt.

It has been 30 days 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN 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 that the account listed is deleted IMMEDIATELY!
Product: Student loan

Have asked 5 different times for copy of the promissory note, terms of the loan amortization schedule. Need to know when this loan is expected to be paid off in full.
Product: Credit card

On XX/XX/XXXX I called USAA to get a payoff amount on my credit card. I was given a payoff amount of {$9300.00}. I needed to get all the payoff amounts for my cards in order to get the grand total to transfer from my savings account into my checking account and then pay off all the balances. Once I had the total, I transferred the amount into my checking account and started calling the credit card companies to pay off our balances. When I called USAA again I spoke with XXXX. He gave me a different amount as a payoff amount than the previous person. He said my payoff was {$9200.00}. I asked why I received a different amount previously. He seemed to indicate that the previous person had been wrong and that {$9200.00} was the payoff amount. I said I wanted to be sure to pay off the account. He assured me that if I paid XXXX my account would be paid off. 

On XX/XX/XXXX I received a bill for {$130.00}. I called USAA again to ask why I received another bill when I had been assured that my bill was paid in full on the XXXX. I was eventually passed to a person named XXXX. He said there was nothing he could do but take {$25.00} off my bill. When I explained the situation he said he was going to have the phone call reviewed because he thought I had been given the incorrect information. On XX/XX/XXXX I received a call from USAA. They had reviewed the wrong phone call and had to call me back. I spoke with XXXX. She stated the phone call I had with XXXX was confusing and he may have not understood why there were different amounts showing up but I still owed the {$130.00}. She said they were going to talk with XXXX 's manager for learning purposes but I still owed the {$130.00} because it is a cash advance and the interest is compounded daily. I asked how could I owe interest if my account was paid off. I also asked XXXX if I was going to be charged interest on the interest. She said no I shouldn't be charged interest on the interest. At this point in time I was discussed. After I hung up I called USAA to pay off the balance. I spoke with XXXX. She said my balance was now {$130.00}. I asked if I paid that amount my account would be paid off and I wouldn't get another bill. She said yes. She attempted to process my payment of {$130.00}. The " system '' would not let her process the payment. It would only let her process the bill amount, even though we both knew that was not what I owed. What that tells me is that USAA has their system set up so they can pry every little amount of interest from people. I wouldn't have ever been able to pay off the full amount the first time I attempted to with XXXX. They were able to tell me what my balance was including interest but they had rigged their system so that the balance of a cash advance couldn't be paid off for months. This is not fair and should not be allowed. When I say I want to " payoff '' my bill, I should be able to payoff my balance and not receive multiple bills so they can squeeze every nickel and dime from people.
Product: Credit card

I have a credit card account with Capital One. I recently found out that they reported me 30 days late XXXX to the credit bureaus between XXXX XXXX and XXXX XXXX. I do n't agree that I was ever 30 days late and contacted Capital One on XXXX separate occasions to dispute their claim, beginning on XXXX XXXX, XXXX. I 've requested my account statements as proof of my delinquent payments XXXX separate times now. They have sent me XXXX letters stating the proof was enclosed but there were no statements included with their letter nor any other type of proof. I 've called them repeatedly requesting proof of their claim and they keep telling me I have to submit my request by mail or fax, which I 've done. They have yet to provide me with any documentation that supports their claim which is why I am filing this complaint.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Since XX/XX/2020 i have been tryna cash out {$2500.00} my cash app but it won't connect to my XXXX XXXX account. I have asked cash app to reopen my account so i can link my bank but they will not take any actions to help me. That money was to be use for my kids medicine. I would greatly appreciate tour help with this matter i just wont to get my monwy and be done with cash app. Thank you for any help you can provide.
Product: Bank account or service

CHASE CHECKING XXXX OWES XXXX XXXX {$6.00}. IN REPLYING, CHASE, DO NOT SUBMIT A PDF DOCUMENT. I CAN NOT OPEN CHASE 'S PDF DOCUMENTS. CHASE DELIBERATELY REPLIES WITH UNOPENABLE PDF DOCUMENTS. FORCE CHASE TO TRANSPARENTLY RESPOND WITH WORD DOCUMENTS. DO NOT REPLY TO THIS COMPLAINT WITH AN UNOPENABLE PDF, CHASE. REPLY VIA WORD DOCUMENTS ONLY. 
COMPLAINT CHASE CHECKING DENIES XXXX XXXX {$6.00}. CHASE CAN NOT BE TRUSTED TO DO ANYTHING ETHICALLY RIGHT ONLY TO DO THINGS TO BETTER CHASE. CHASE HAS NO SCRUPLES WHATSOEVER. MOREOVER ANYTHING CHASE DOES WRONG IS BACKED UP BY THE GOVERNMENT. CHASE IS TOO BIG TO FAIL. FINALLY CHASE HAS LINED THE POCKETS OF XXXX AND XXXX WHICHEVER SIDE WINS TO DO CHASE 'S BIDDING. THERE IS NO VOICE FOR THE PEASANT. SEE ATTACHMENT FOR PROOF I AM OWED {$6.00} BUT HERE IS PROOF NOW. 
XXXX & lt ; XXXXXXXXXXXX & gt ; To XXXXXXXXXXXX XXXX XXXX at XXXX PM Hello, We 're writing to let you know we processed your refund of {$6.00} for your Order XXXX from XXXX. 

This refund is for the following item ( s ) : Item : Personal Influence ; the Part Played By People in the XXXX XXXX XXXX XXXX Quantity : XXXX XXXX : XXXX Reason for refund : Item out of stock Here 's the breakdown of your refund for this item : Shipping Refund : {$3.00} Item Refund : {$2.00} We 'll apply your refund to the following payment method ( s ) : Bank Account : {$6.00} We 've processed a refund for the above order in the amount of {$6.00}. The refund should appear on your account in 2-3 days if issued to a credit card. 
Refunds issued to a bank account typically take 7-10 days to reflect on the account balance. 

Have questions about our refund policy? 
Visit our Help section for more information : XXXX We look forward to seeing you again soon. 

Sincerely, Amazon.com We 're Building Earth 's Most Customer-Centric Company http : //www.amazon.com Note : this e-mail was sent from a notification-only e-mail address that can not accept incoming e-mail. Please do not reply to this message.
Product: Vehicle loan or lease

I paid off my lease on XX/XX/2021. I still am not in possession of the title that proves I now own the car ( as of XX/XX/2021 ). US Bank claims to have sent the title on XX/XX/2021, but I never received it. After 50+ phone calls to US Bank and a complaint to the Consumer Financial Protection Bureau , US Bank finally requested a duplicate title from the NC DMV on XX/XX/2021. The duplicate title request was mailed from the NC DMV to US Bank on XX/XX/2021. I called US Bank on XX/XX/2021 and the representative confirmed they received the duplicate title on XX/XX/2021 but said nothing else has been done and they seemed unaware that I am still awaiting on documents. The letter in response to the Consumer Financial Protection Bureau did not give me the name or number of any specific person to work with to close this issue. Every time I call, I start from square one with someone who has no idea how to help me get this resolved and no one seems to know how to escalate it to anyone who knows how to complete the process.
Product: Credit reporting or other personal consumer reports

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 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY! 

The accounts should not be furnished on my consumer report as they are in VIOLATION!!! Subsection 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTING CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX ) XXXX XXXX Current Balance : ( Reportedly {$14000.00}, Original Balance {$19000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance : ( Reportedly {$0.00}, Original Balance {$39000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$23000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX Current Balance ( Reportedly {$0.00}, Original Balance {$15000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ) XXXX Original Creditor - XXXXXXXX XXXX XXXX XXXX Current Balance ( Reportedly {$15000.00}, Original Balance {$14000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor - XXXX XXXX XXXXXXXX XXXX Current Balance ( Reportedly {$16000.00}, Original Balance {$16000.00} ) Action taken : Submitted and received a response from Transunion ( Pending other consumer credit agencies. 
Address : Unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a correction in my personal information for the XXXX time. It is still terribly frustrating to continue asking again and again that the same information be corrected. In Accordance With the Fair Credit Reporting Act the information listed below is incorrect and is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have no knowledge of these inquiries and I'm asking again for you to delete these : XXXX XXXX  and XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 without my written instructions. 15 U.S.C. 1681c-2 ( A ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of these items of information. Any other adverse item of information, other than records of convictions of crimes which dates the report by more than XXXX XXXX15 U.S.C . 1681s2 ( 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.