23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX, I was at a neighborhood XXXX. When I came outside, a XXXX yr old driving a red XXXX truck had hit another truck and backed up and hit my car. The police came but the driver had fled the scene. Someone had gotten the license plate of the driver. I did not file a claim because only my tail light was broken. The other vehicle owner filed a claim with XXXX. The driver that caused the accident did not have insurance. XXXX is trying to say that I caused the accident. I called them several times to tell them that they need to go after the right person and that I was not responsible. XXXX sent the bill for {$7300.00} to the National Service Bureau, a subrogation collector for collection. They are treating to have my driver 's license suspended and my license plates removed if I don't pay.
Product: Credit reporting or other personal consumer reports

Both JPMCB and XXXX XXXX XXXX are reporting to XXXX updated information that was previously disputed and removed from my report as updated information for accounts from XX/XX/XXXX XX/XX/XXXX stating information changed in XXXX! These accounts are from XXXX and are affecting my score. XXXX is also reporting information from XXXX and XXXX XXXX XXXX XXXX as updated information that was previously disputed and removed! All three bureaus are reporting XXXX hard inquiries that were disputed recently and previously that were not authorized by me. So frustrated with this process, I paid repair company 3 years ago to help fix my reports and it is all coming back and I can not afford to hire someone again so this is my attempt to do it myself with XXXX knowledge of all laws to use against these XXXX reporting agencies! I can not get my cars interest rate of 35 % reduced or refinanced, credit cards or loans to have a better quality of life because of all the unfair items being reported. My scores remain between XXXX for many years now. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing 2 derogatory accounts on my credit that I have disputed in the past with all three credit bureaus. The only credit bureau that continues to report the accounts in question is XXXX. XXXX has blocked my report and refuses to report a score for no reason other than a previously reported identity theft to them. Also with the accounts that are in question both accounts have incorrect information the Toyota motor leasing was found not even to have my Social Security number these were a result of ID identity theft. When Toyota motor credit leasing was questioned they originally admitted that they had my social as ending in XXXX, ( I do not have the account number but it is included on page 23 of 36 on my credit report attached ) this is not my social and all of the information on the application was incorrect did not match me it was a result of identity theft. The next account coming from XXXX XXXX XXXX I have disputed on several occasions. XXXX XXXX XXXX continues to reseal this information to different debt collectors after they have been advised that this was a fraudulent account as a result of identity best. XXXX XXXX XXXX has been negligent in selling this information to now professional account services. I just disputed the same bill on multiple occasions from two other debt collectors that I had to dispute and have the same account removed for {$150.00}. This has been a burden and XXXX has been the only company to continue to violate the law by reporting these items even though I have supplied them on multiple occasions with disputes and police reports showing identity theft.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site XXXX. Please dispute the accounts. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

I sent a certified letter to a collection agency by the name of pro collect. I have a Chapter XXXX bankruptcy that I filed back in XX/XX/XXXX and it was discharged on XX/XX/XXXX. That debt was included in that bankruptcy, so I sent Pro Collect a certified letter with a copy of the discharge order from the bankruptcy court. They received the letter on XX/XX/XXXX, but I never got a response. On XX/XX/XXXX at approximately XXXX hours, I called ProCollect and spoke with a Ms. XXXX ( she would not give her first name ). She informed me that the account in question was restricted and I would have to contact a Mr. XXXX ( would not give his first name ) by email only. She gave me his email address. I contacted Mr. XXXX on XX/XX/XXXX at approximately XXXX hours and informed him who I was and of my issue. His only response was, Account number? I sent him the account number at XXXX hours and have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute of these accounts on Transunion : XXXX XXXX  error Needs attention {$280.00} XXXX XXXX  error Needs attention {$240.00} XXXX XXXX  error Needs attention {$200.00} XXXX, XXXX error Needs attention {$110.00} These are all medical debts under {$500.00} and are the result of bad billing practices and errors by the staff at the medical clinics who failed to bill the VA. These appointments were direct referrals for fully covered VA XXXX to see outside doctors closer to my home. My VA insurance covered these appointments 100 % as they are in-network doctors. However, the clinics have my XXXX XXXX XXXX XXXX XXXX insurance card on file as well and they billed the wrong insurance then sent my copays to collections. I have tried to work this out with these companies and the medical offices. The claims have been filed with the VA and these bills are PAID in full!! 

The collections have been removed from XXXX and XXXX after their investigation so Transunion should have removed them too!
Product: Credit card or prepaid card

PayPal , Inc. does not send the refund payments that are sent to PayPal by merchants to PayPal CreditXXXX XXXX in a timely manner. 

This causes the customer/consumer to file a " dispute '' not knowing that PayPal , Inc . 
actually has received the merchant refund credit but has not forwarded the refund/credit paid by the merchant to PayPal Credit or XXXX XXXX  XXXX 

This causes a lot of headaches. I simply hate/despise using PayPal, Inc./PayPal Credit because of all of the confusion and miscommunications. It is simply horrible. 

XXXX XXXX has sent PayPal, Inc. a number of refunds/merchant credits that have not been forwarded to PayPal Credit . Not knowing this, I have had to filed disputes unnecessarily. 

XXXX refunded PayPal, Inc. the total refund for order placed on XX/XX/2023 but PayPal , Inc. has not notified PayPal Credit and a dispute was created. 

Also XXXX had refunded PayPal, Inc. almost {$120.00} on an order of {$170.00} made XX/XX/2023. I did a dispute. 

This process with PayPal , Inc. is horrible, inefficient, does not communicate with PayPal Credit, and is not worth the time, energy, and headache..

PayPal 's lack of record keeping and working with PayPal Credit causes the consumer to be upset with the merchant and PayPal Credit needle
ssly when it is the fault of PayPal , Inc. itself. 

If I was XXXX XXXX I would stop doing any business with PayPal as it causes too much conflict.

When PayPal , Inc. was simply PayPal, things were much better.
Product: Credit reporting or other personal consumer reports

I trust this communication reaches you with the urgency it demands. I am writing to bring to your immediate attention critical matters concerning my consumer rights under the Fair Credit Reporting Act ( FCRA ), with a focus on Ally Financial. 

As stipulated in 15 USC 1681 section 602 ( a ), it is imperative to ensure that consumer reporting agencies, including XXXX and XXXX, fulfill their duties with fairness, impartiality, and utmost respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy, highlighting the obligation of financial institutions like Ally Financial to safeguard customer privacy and protect nonpublic personal information. 

I assert my right, as the consumer, to prevent the unauthorized sharing of my private information, supported by 15 USC 6802 ( b ) ( c ). Despite this, Ally Financial and the consumer reporting agencies, XXXX and XXXX, lack my consentwhether verbal, non-verbal, written, implied, or otherwiseto furnish this information. 

It has come to my attention that Ally Financial failed to inform me of my right to exercise the nondisclosure option, a clear violation of 15 USC 6802 ( b ) ( c ). Additionally, the reporting of adverse information without my permission, detailed in 15 USC 1681C ( a ) ( 5 ), is a direct contravention of the law. 

Under 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is impermissible to furnish inaccurate information to a consumer reporting agency. XXXX and XXXX currently do not maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to avoid violations and limit the furnishing of consumer reports to legitimate purposes. 

Moreover, I note the illegal reporting of transaction history, excluded under 15 U.S. Code 1681b ( A ) ( i ). Reporting transaction history is in direct violation of the FCRA. 

In response to these violations, I demand immediate action to rectify these breaches and ensure full compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

An original letter was sent on XX/XX/XXXX, and I have not received a response nor have these unauthorized inquiries been removed. Therefore I am sending a complaint to prevent this matter from being unresolved for any longer, as I have not received a written or electronic response in regard to these unauthorized inquiries. There was an XXXX Report attached as well and all inquiries email on the account. On XX/XX/XXXX I submitted a Demand XXXX Comply in regard to not only the inquiries being ignored but the accounts that have been requested to be investigated as well. I have been completely disregarded by this entity.
Product: Mortgage

Called in or around XXXX XXXX, XXXX to advised I have switched Insurance companies. I was told by representative to fax over documentation for new insurance company and I requested my loan be reanalyzed due to lower premium for insurance. I called back on XXXX XXXX to find out they never updated my information. representative confirmed that fax was received however they never change my insurance information nor did they reanalyzed my account. The lower premium would have made my payment lower however they never even changed the company nor took care of my request.
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 respect for the consumer 's rights to privacy. Transition 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 it 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. ( XXXX bank ) is 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 consumers report under the following circumstances and no other : in accordance with written instructions of the consumer whom it relates. '' ( XXXX XXXX  ) the financial institutions and the XXXX reporting agencies XXXX, Transunion, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any consent to XXXX, XXXX, Transunion, ( XXXX Bank ) whether it verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states a Financial Institution may not disclose nonpublic information to nonaffiliated third party unless : the consumer is given an explanation on how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX  ) 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. '' These accounts are adverse items that reporting without my permission which is illegal and against the law. 15 USC 1681 s-2 ( A ) ( 1 ) A " states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under this section 1681b of this title. '' XXXX, XXXX, 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. And I'm opting out of your reporting services.
Product: Credit card or prepaid card

I called Capital one regarding the account XXXX XXXX XXXX XXXX I didnt open this account Is no contract with my signature The time was open I was sick They said i they send me mail with I never receive it before Im requesting Capital one to remove this account from my credit report This account is affecting me from renting an apartment I have a XXXX  sister which I take care of her because the negative account is affecting me from renting an apartment I called Capital one to talk to ask a few questions and the representative told me that I was having a stop and desist and they couldnt do nothing with that So I said to the representative of Capital to authorize to delete the stop and desist to talk about what happened to me Immediately I authorized the representative of Capital one to delete the stop and desist He started this an attempt to collect a debt He didnt even let talk He continue this is an attend to collect He was so rude he didnt even want me to talk about the reason I was calling He said to me you call to pay I start it lying from the beginning First I never say that and second I told him that I didnt open this account He was rude I ask for a supervisor I wait and then I couldnt communicate with the supervisor at the end I hang off because this people they dont want to listen to reason They dont want to listen to nothing just Pay me that is all I ask for help to the bureau of consumer finance This is one of the most ruthless credit card companies. When you talk to them they dont treat you with kindness or humanity Just like a number like someone that owe money to the mafia pay me or pay me I d like to make a movement to show the real face of this company Lack of empathy, kindness and hypocrisy But is God in heaven
Product: Debt collection

I received a call on XX/XX/2019 the recorded message asked if I was XXXX XXXX press one I pressed 1 and reached a rep who answered the call " my name is _____ '' I advised i received a phone call and the rep asked my name I first asked to person that called me to identify them self to which they replied with the name again i had to request what company they were calling from they refused to advise me the name of the company until i identified myself, which i know is not correct practice since I work for a medical debt early out collection as well, That rep hung up on me. I called back received another rep who stated there name to which i was refused identification of who called me and was advised i was harassing and hung up on when asked if this company is a collection company, I called back to and spoke to sup XXXX due to be rudely spoken to and hung up to which she stated with out identifying myself she would report me for harassing them and hung up, I called and spoke to another rep who was very rude talked over me and would not listen even after identifying myself and advised he didn't have to listen to me, He then provided the date of service, patients name and client whom they were collecting for with verifying my demographic info as specified by HIPPA law, I then requested to speak to the supervisor again to make the payment, I was advised there was on supervisor and I had already spoken to her, I again asked to speak to the supervisor to who was still extremely rude and talked over me and had a very rude aggressive tone as i was trying to make my payment. KLS Financial is not being compliant with the HIPPA
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

COVID19 CARES ACT PAUSED STUDENT LOAN PAYMENTS XX/XX/2020 TO XX/XX/2020. I PLAN REHAB AFTER UNSUCCESSFULLY DISPUTING WHAT IS OWED. ONCE I BEGAN TO PAY, THEY BEGAN TO RUID MY CREDIT SCORE FROM DECREASED BY XXXX  POINTS FROM NEGATIVELY RUINING MY CREIDT. CARES ACT WOULD ALLOW ME NOT TO PAY UNTIL ORIGINALLY XX/XX/2020 TO XX/XX/2020. IT HAS NOW BEEN EXTENDED UNTIL XXXX 2020. I NEED MY CREDIT SCORE REPAIRED TO THE GOOD STANDING THAT IT WAS IN PRIOR TO REHAB PLAN. THIS IS DECEPTIVE AND FRAUD.
Product: Checking or savings account

Over {$130000.00} is locked since XXXX, for months soon to be half a year The company applied no effort to unlock funds and allow transfer outside citibank Tens of hours spent on the phone with Citi agents, all calls get dropped and no assistance Will be proceeding with legal lawsuit, no support from the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 

Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names TransUnion XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as Open with a PAST DUE BALANCE of XXXX as of XX/XX/XXXX with balance XXXX balance original balance XXXX as of XX/XX/XXXX to XXXX. TransUnion shows open with XXXX PAST DUE balance of XXXX original balance XXXX as of XX/XX/XXXX both account have shown different Amount in the past due and balance owed which is violation of the FRCA LAWS IT DOES NOT MEET FRCA REQUIREMENTS AND MUST BE PERMANENTLY DELETED FROM MY RECORDS I HAVE FILED MULTIPLE DISPUTES asking for ORIGINAL COPY OF THe CONTRACT with my HAND WRITTEN SIGNATURE validation of the debt and how it was validated and verified AND THEY ALL COME BACK VERIFIED AND UPDATED WITH NO. INFORMATION ON HOW IT WAS VALIDATES OR WITHIN TWO OR THREE DAYS WHICH TELLS ME THE FINDING AND INACCURACY I POINTED OUT IN MY DISPUTES WERE NOT FULLY INVESTIGATING PROPERLY AND YOU ARE ALLOWING A CREDITOR TO FALSELY REPORT INCOMPLETE AND INACCURATE INFORMATION ILLEGALLY WHICH IS HARMING MY RIGHTS AS A CONSUMER TO A FAIR Report with showing COMPLETE ACCURATE AND CONSISTENT REPORT for Conns App, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account I have i knowledge of a signed a contract of with this creditor with review of the information provided which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX is reporting that I have a bankruptcy that is not mine I've provided documentation that proves they illegally put information on my credit report.
Product: Credit card or prepaid card

I closed the account in XXXX, XXXX. I still as of this month, receive monthly statements, I can log into the account, there is a zero balance and a {$7200.00} credit limit with an available balance of {$7200.00}. I get the same information when I call. I spoke to someone who told me she can see it was closed on her side, so " I don't have to worry about it. '' I do. The account is not closed.
Product: Debt collection

I have received multiple notices regarding this debt with XXXX from many different companies. My attorney previously notified DCI on XXXX XXXX, 2015 that I disputed this debt and that any further communication should be with my attorney. Despite this, I received a letter directly from DCI again on XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. 1st Franklin financial balance is XXXX incorrect information. XXXX XXXX has a XXXX balance but incorrect information. XXXX XXXX XXXX balance with incorrect information. XXXX XXXX XXXX have no ideal about this account.