23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I had a dental apt . for XXXX XXXX, I had informed them that XXXX XXXX would pay {$1000.00}. Upon reaching the Office, I reminded them again, upon seeing the dentist, I told him of the price, he laugh. after the exam, he put a hand on mine saying, you will have Cancer, if you don't change the metallic one in your mouth. with much convivences, I agreed, the prices and products were shown to me, from {$3700.00} - $ XXXXup. I choose {$3700.00}. I started calling my Bank for a Loan, but with his hand on mine he said their Interest will be high. And I have a Credit Card Co. that will charge much less. so they got the forms and I filled them out, and left with the papers, I received a call on their phone, confirming my information. XX/XX/XXXX I got the EOB from my Ins. it said i had gone on XX/XX/XXXX and XX/XX/XXXX. Making it {$3000.00}. 
I called the dentist and informed that he lied and I am canceliering the order, XX/XX/XXXX? XXXX, I requested a Dispute, XXXX XXXX 1st Bill came, I informed Synchrony Bk & CareCredit, that they are demanding their {$3700.00}. I said its a Scamming system, I did not get the item, they call & leave messages 38 times and about 20 on my cell, day and night. I spoke with a friend who said he had done it to her and she had to pay the {$4000.00}.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX  6. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have tried connecting with all three credit bueras to have closed and settled accounts removed from my reports. After many attempts neither of all three credit bueras removed these settled accounts from my reports. They continue to give me a hard time and trouble getting these closed XXXX balance accounts removed. They continue to hinder me by not removing these accounts. I am writting to have cfpb step in to apply all laws and regulations. If no problems are to be fix I will have to seek legal action so that my rights are not continued to be violated.
Product: Mortgage

We closed our refinance with XXXX XXXX in XXXX of XXXX. We set up the payments to be auto drafted from our account. Eventually JP Morgan Chase bought out Bank One a year later in XXXX. We have payment history statements showing that the auto payments were fine until Chase took over the account. Our payments were scheduled for the XXXX of each month beginning with XX/XX/XXXX and ending XX/XX/XXXX. However, Chase because of XXXX extensions we supposedly requested by phone they say the new maturity date was changed to XXXX of XXXX via a letter stating that they no longer could auto draft to that account and we would have set up a new auto draft. I explained that we didnt receive any notice of the loan reaching maturity in the months preceding the actual XX/XX/XXXX date, as I explained to multiple Chase XXXX since the XXXX letter via phone and fax that we were under a signed contract that could not be modified without consent of both parties and that their claim of our request for loan extensions over the phone was bogus and a cover up for XXXX poor accounting on their behalf and that we demand proof of any such request. They responded XX/XX/XXXX, and I quote Any information or document you requested that isnt included with this letter is either irrelevant, unavailable, considered proprietary, overbroad or unduly burdensome. They did not send any evidence of any requests from us asking via phone and was granted, payment extensions. They have refused to explain any of the transactions they made that lead us into being charged an additional {$6000.00} plus dollars only to say that our principal portion wasnt paid off. We explained that our monthly payments were {$720.00} and they were responsible via auto draft to make the payments. However the payment history shows they charged us additional fees of {$50.00} after they applied the extensions to our account. In XXXX incident they charged late fees of {$50.00}. We explained that as per our contract we could be charged {$25.00} late fee after 10 days and of of course we would receive a written notice from Chase of that happening, and at that point we would have immediately found their errors. But until the XXXX letter in the XXXX  years Chase has managed our mortgage we never herd or received anything from Chase in reference to our mortgage. We are currently waiting for another response from the office of XXXX XXXX XXXX XXXX XXXX for Chase. And In order to prevent them from destroying our credit report we have been making the additional monthly illegal payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes i have sent in the required documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Rule 5000 FDIC guidelines, a debt can be classified under two options, standard and sub-standard. Sub-standard debts are debts placed into a charge off status, and that takes place on secured debts as posting for 180 days late. As this dispute proves, the dent showing as a charge off status has never been more that 60-days late. Accordingly, the charge off status is fraudulent, and must be removed. XXXX XXXX XXXX has an obligation under its subscriber agreement with the three major credit bureaus to abide by the rules under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the guidelines under the FDIC Act, which  gives strict guidelines pertaining to sub-standard debts and charge off status requirements. The charge off status must be deleted permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquires on my report that I do not recognize. 
I was alerted today four times back to back that someone had ran my credit, which lead me tp review my entire report. all of my car loans are through my credit union! 

XXXXXXXX XXXX XXXX  XXXXXXXX XXXX ally financial XXXX XXXXXXXX ) XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ITS ON MY CREDIT TWICE AT A DIFFERENT DATE. I ONLY RAN MY CREDIT ONCE AND I WAS APPROVE ALREADY. 

also XXXX ( THAT IS IN COLLECTION ) STATED THAT THEY WOULD REMOVE THIS ONCE I PAID IT IN FULL AND NEVER DID. 

PLEASE HELP, IM TIRED OF THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Dear Capital One Bank ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was stolen from me to open fraudulent accounts with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

On XX/XX/year> - I sent American Honda Finance Corp a letter stating they are in violation of 15 U.S. Code 1681a because they have reported 48 transactions to XXXX, XXXX and XXXX. I have never given them consent to do so and asked that it be removed from my credit report. It has been over 30 days and I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX, XXXX, XXXX, has violanted my rights. 

15 US 1681 Section 602 states I have a right to privacy.

15 US 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 US 1666B : A Creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to access my Transunion report for about a month or more now, and I do not have access, when before I did. Every time I call they said that the system is updating and I get the runarounds, I called again today and was given a number to try to fix the problem and the same thing. They said I need to pay for my subscription in order to get my own credit report when I was getting free before, I have requested through annual credit, and other free sources and all I get is " credit score unavailable '' I am in the process of purchasing a home and this has delayed the process. They are blaming the Government saying that they are the ones who have access to this report which we all know it's a lie. As a consumer, I have all the right to request my free credit report and for some reason, TRANSUNION will not comply. I have complained about this before and got a response that they will work on my complaint, but never heard any more from CFPB or The reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for a cash advance loan with XXXX   XXXX. The loan was obtained on or around XX/XX/XXXX, the amount of the loan is {$3500.00} dollars. An official dispute of this loan was faxed to XXXX  XXXX by this office XX/XX/XXXX. Rise contact my client XX/XX/XXXX stating no police report was sent to the concerning the dispute of the loan. This office then faxed again to XXXX  XXXX the complete official dispute documents XX/XX/XXXX. Then XX/XX/XXXX my client stated '' XXXX XXXX '' from XXXX  XXXX ( his  phone number XXXX ext XXXX ) stated the fax was never received and the dispute was never made. My client then faxed his dispute documents himself to XXXX  XXXX and it was confirmed the dispute was received. 
As of this date XXXX XXXX has not confirmed the status of the investigation of the fraudulent account and the status of the dispute. This action is a violation of the FCRA since their action has gone beyond the 45 business day dispute time frame from the first fax of the dispute received XX/XX/XXXX and again XX/XX/XXXX.
Product: Checking or savings account

On XXXX someone accessed my account and removed funds in the amount of ( {$2500.00} ). I was informed by the bank that this money went to a XXXX XXXX XXXX account via XXXX and provided with a name and phone number of the receiver. In the meantime they issued me a temporary credit on XX/XX/XXXX  for the stolen {$2500.00}. 

On XX/XX/XXXX  I received yet another email stating that they found no error in this XXXX payment and on XX/XX/XXXX  they will be removing the {$2500.00} credit. I outreached the bank regarding this and was provided with the same response, that I sent this XXXX to XXXX XXXX XXXX and there is no error. 

I can ensure you that I did not send any XXXX  payment to anyone especially at XXXX in the morning. This XXXX  person is not listed in my contacts either, so again Im clueless as to who stole my money, yet again from my account. 

Nevertheless, due to the ongoing problems I have encountered with this account I have closed the savings however was unable to close my checking due to bank policy.
Product: Credit card or prepaid card

American Express continues to unfairly deny me a credit line increase for my Hilton and XXXX accounts. American Express has claimed the following ; We made this decision for the following reason ( s ) : Based on your credit report, you are or were past due with another creditor ( s ). 
Based on your credit report, you have to many requests for credit. 

After speaking with XXXX XXXX XXXX and their Fraud Unit, XXXX said American Express is providing " misleading information '' related to my credit report. 

XXXX confirmed, THERE ARE NO PAST DUE ACCOUNTS ANYWHERE IN MY CREDIT FILE. 

XXXX confirmed, THERE ARE NO REQUESTS FOR CREDIT ANYWHERE ON MY CREDIT FILE. 

American Express is fraudulently claiming there are negative marks on my credit report which prohibit them from considering my credit for a line increase. This is a violation of the FCRA. I am formally filing a complaint against American Express for violating my rights time and time again. XXXX outlined that the information presented by American Express in relation to my score is outdated and not valid. XXXX suggested that American Express ask for or review a current credit report that outlines the facts.
Product: Credit card or prepaid card

XX/XX/XXXX recieved a letter stating capital one visa closed my account due to nonuse, however, my card had expired XX/XX/XXXX and they did not send me a new one. They also did not give me any advance notice so i could resolve the issue with them, and now they refuse to reinstate the card because it was closed XX/XX/XXXX. I believe this was unfair and i would like my card reinstated. They reported the account closed to the credit agencies. Thank you for your help. XXXX XXXX. XXXX. XX/XX/XXXX.
Product: Credit card

Ok, first problem is that I have {$15.00} in rewards that I am not being allowed to redeem because I did not meet the {$25.00} minimum requirement before they closed this account. Next, the 0 % interest agreement was for almost 2 years, including more on the balance transfers and I am still getting charged interest. This XX/XX/XXXX month, I was charged almost {$60.00} in interest that should not be there.
Product: Debt collection

So a couple things wrong. The credit card company is capital one, who midland credit funding claimed they reached out to. I had reached out to Midland Credit Funding because I had paid off a debt of two separate credit cards around the same time. I reached out to them when I saw that they were attempting to re-report a debt that I had paid. When I reached a settlement deal with the debt collection both credit cards were updated on my credit report as settled and had a balance of XXXX for about 1 year and a half after. Fast forward to recently and I had called them to dispute and they eventually sent a letter saying that the debt was valid. It doesnt make sense that the debt was cleared from my credit when I paid both debts off and they come back and say that I owe them a {$3000.00} debt again. So they re-reported it on my credit report and put an update to my balance that went from {$0.00} ( settled ) to a now balance of XXXX. The second problem is that the report is now showing that the debt was made in XXXX when originally everything was back closed and settled in XX/XX/XXXX which is what originally was on my credit report and it was opened in XXXX XXXX. I would like this removed from my credit report because both accounts were settled just for them to come back and say I owe {$3000.00} all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute several negative items that appear on my credit report. After reviewing my report, I have found several errors that I believe are affecting my credit score unfairly, and I am requesting that you take appropriate action under the Fair Credit Reporting Act ( FCRA ). 

Firstly, the account listed for XXXX XXXX XXXXXXXX with the account number XXXX has questionable information. I request that you provide me with a detailed explanation of this account or delete it from my credit report. 

Secondly, the account listed for XXXX XXXXXXXX XXXX with the account number XXXX has inaccurate information that is damaging my credit score. To the best of my knowledge, this account has never been paid late, and I am requesting that you update this account and delete the inaccurate information immediately. 

Under the FCRA, you are required to investigate any disputed information on my credit report and make corrections if the information is found to be inaccurate, incomplete, or unverifiable. I request that you investigate these errors and make any necessary corrections within 30 days of receiving this letter, as required by law. 

Furthermore, I request that you provide me with a written confirmation of any corrections made to my credit report, as well as a new copy of my credit report reflecting the updated information. 

Thank you for your prompt attention to this matter, as I am confident that you will handle this dispute in accordance with the FCRA and the law. 

Sincerely, XXXX XXXX
Product: Mortgage

I refinanced my mortgage with Fifth Third some years ago, and when doing so, they applied my payment to a charge card of which I have NEVER had a charge card with them. The late charges kept escalating and negatively affected my credit options, credit score and credit worthiness. This even occurred when I was applying for a car loan, and the dealer stated to me that I could not be approved due to me being behind on my mortgage payments. The incorrect late charges were reversed, but the late charges remained. I asked my XXXX XXXX XXXX XXXX XXXX to research into this, and after the Congressman 's office did connect with them, they dropped all of the charges. The other glaring details were the terms of the agreement. I came to find out that when they refinancing occurred, they had me sign the documents, but did not mention that it was refinanced for over a 40 YEAR MORTGAGE! When the Congressman 's office asked about this part of the inquiry, thy stated that I signed the documents and pretty much, that was that. This has " haunted '' me for years and even now, when I look at the remaining balance from these terms, the math simply does not add up. I noticed the recent case with Fifth Third and due to several medical issues that I have had, need to get this resolved, checked into and a peace of mind. They just sent me a notice that they are handing over my mortgage to a different lender, and I am seriously concerned of the terms that this without any knowledge, etc. that this presents. The balance of what I still owe vs. the term length of all of these years still on the mortgage remaining, don't add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX  days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.