23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

A collection company put a XXXX collection account on my credit report on XX/XX/XXXX. The amount is {$290.00} plus some interests. However I should not owe this bill. 

The original creditor of this bill was from a doctor who treated me in XX/XX/XXXX. The original bill was {$510.00}. The fact was that my insurance already PAID that bill. Because this doctor is in network ( based on explanation of benefits from insurance company ), my insurance paid it at a discount rate at {$210.00} ( in network rate ), and I got claims from insurance company that explicitly said I owe NOTHING for this bill. All the supporting documents are in attachment. 

I have good insurance. I was in the hospital because of emergency. XXXX day after I was in hospital, my insurance called me and said that all my bills should be covered because it was an emergency situation. 

It turned out that doctor still charged me the rest of bill even if my insurance paid it, and they didn't recognize the discount rate for in network provider. They should contact my insurance company for the deal between them. 

Even worse, I didn't get the bill in time and when I found out this bill, it was already on my credit report. I didn't have enough time to handle this bill before it was on my credit report. By the time I got called from collection company, I paid this bill by myself immediately because I was so nervous and surprised.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX  - Date opened XXXX XXXX XXXX  - Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  - Date opened XXXX XXXX XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XXXX XXXX XXXX - Balance {$1400.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 Acct # XXXX Dept of educationXXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX Dept of education/XXXX Acct XXXX XXXX Dept of education/XXXX Acct XXXX XXXX Dept of educationXXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # 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 have attempted to dispute the inaccurate information that is continuing to report to the credit bureaus in my name. I need this collection that is negatively impacting my credit to be removed from my report immediately. Jefferson Capital Systems is reflecting a balance of {$1900.00} as of XX/XX/ XXXX  and should not be for several reasons. I am a Florida resident and they are not licensed in the state of Florida. I requested original signature documents to confirm this account and it was never provided. Where did they come from and why are they not removing the inaccurate information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the account numbers for what they are. Therefore, I am demanding that they be removed from my consumer credit report. 


XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX XXXX Pursuant of FCRA 623 and FCRA 605B, I am demanding that the following items be deleted from my consumer credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  xxxxxxxxxxxxx XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried logging into Experian with my date of birth and ssn and it sent the login to another email address that isnt mine
Product: Debt collection

The Company this complaint is against is conducting a Foreclosure Sale for Bank of America with fraudulent documents that were filed by their Foreclosure Attorney which is listed on your records for the address of XXXX XXXX XXXX, XXXX, NC XXXX. The Note filed on the above date is fraudulent in more ways than one, first off the Lender listed on the Note is fictitious and does not exist as noted by the stamp on the second page of the Note which I have included the details of the stamp in my uploaded documents. This Lender America 's Wholesale Lender was not licensed in the State of North Carolina or any of the other 49 states in the United States of America. The same Lender is also listed on the Deed of Trust which was filed on the same date as noted above and is also fraudulent as the Note and Deed of Trust have to stay together. The most fraudulent part of this fraud is that the Note filed on the above date is not the Note that I signed at the closing on XXXX XXXX, 2002. So a Fraudulent Note nullifies the Deed of Trust and makes this entire Foreclosure sale fraudulent and null and void. I would never would have signed a Note which stated on the second page by a stamp that the Lender was fictitious. And by the Lender being fictitious it is not Legal and therefore could not underwrite or fund a loan. Bank of America 's name does not appear as the Lender on either the Note or the Deed of Trust so they have no legal interest in this property or the right to Foreclosure on it. Any further action on your part regarding this foreclosure sale will be fraud on your part and if you have already sold any other properties for Bank of America or any other Bank with the Lender on the Note and Deed of Trust as America 's Wholesale Lender you could be subject to fraud charges and lawsuits once this matter becomes public knowledge. Please read over all the uploaded documents and you will see that these documents are fraudulent. I already have filed a complaint with another agency and they have determined the uploaded documents are fraudulent and they have removed my name as being not responsible for this Debt.
Product: Debt collection

I had a collection with XXXX that i paid and it is still showing up on my credit report as an open collection. I 've attempted to dispute the item with the credit bureau and the company has verified that its owed when it is n't.
Product: Mortgage

XX/XX/2021 Lakeview Loan Services gave us an escrow payout refund of {$3700.00} but had made a mistake. A entire year later without any notification they have been charging us {$450.00} extra every month for 12 months to fix their mistake. This type of error can easily put home owners in foreclosure if they cant pay almost {$500.00} extra per month for a year. Financial errors of this magnitude are financial irresponsible and a form of fraud and dishonest business practice no matter how common it may be. Its a scheme to attempt to repossess homes.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the exact information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly.

Everyone can use the accessible software that I used to write and generate my letters. Should you decide not to respond to or handle my correspondence, you are in violation of 15 U.S. Code 5 1681i. Furthermore, it is illegal to postpone answering customer letters on the grounds that help from a third party might be possible. There isn't a legal exemption to this. Any letters that include my name were either written by my advisors with my full knowledge and approval, or I am the only author of them. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$260.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection {$970.00} XXXX XXXX XXXXXXXX Charge-off {$2600.00} XXXX XXXX XXXXXXXX Charge-off {$4400.00} XXXX XXXX XXXXXXXX Charge-off {$0.00}
Product: Credit reporting or other personal consumer reports

After moving half way across country and changing my address with USPS, toyota decided to stop sending me bills completely, to either my previous or my current address. 

They put a derogatory mark on my credit report while they NEVER sent out any bills, NEVER tried contacting me, NEVER emailed me about a late bill while constantly bombarding my email inbox with promotional emails. 

Thes

e 2 payments were the last payments for the car, and since we didnt get any contact from toyota , we were expecting our title and lien since we thought we paid it off. Nothing. I have called them multiple times to remove this rem
ark on my report as i paid immediately after we realize toyotas error. This is their process error, yet they keep telling me our system says we called and sent mail, too bad. DID NOT GET ANYTHING, just DEFLECTIVE ANSWERS and EXCUSES.

Is this fair for the corporation to keep pinning their process problems and human errors on their consumer? We want physical bill for a reason so we can pay on time instead of relying on a system that have failed us before, and likely have failed a lot of toyota customers from what i have read. 

During the phone call, they keep diverting responsibilities. They keep saying their documentation says otherwise, which is false. 

I am also hoping that this isnt a XXXX discrimination thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian repeatedly violates my rights as a consumer. When speaking with their staff I can never get anything resolved. Last week I spoke with XXXX, and she admitted that the staff does not know the laws pertaining to the credit bureaus. I've made multiple attempts to correct my report. I've been a victim of identity theft for years, dating back to XXXX. That ; as well as ; Experian 's carelessness and negligence have adversely affected my creditworthiness. Which is currently causing me financial injury. Experian never insured the accuracy of these accounts through an initial investigation and refuse to correct my report. 

I've called Experian, filed, and sent a police report and an FTC report. I also sent dispute letters and sent personal information correction letters. Yet, there are several fraudulent accounts, an inquiry, and inaccurate addresses that remain on my credit report. 

I have disputed and have not got any results. Even the last XXXX digits of my social security number listed on my credit report with Experian are incorrect. I've also requested that no phone numbers be listed on my report for my privacy and protection. 

Below is a list of the items that should be removed from my report : Name of Account and Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following inquiry. 

Inquiry and date : AXXXX XXXX All of the addressed listed are inaccurate and should be removed. I will update my address in writing once my address change is complete. 

I do not wish to have any telephone numbers listed on my report. Please remove. 

I am not employed with XXXX XXXX. Please remove. 

The last XXXX digits of my social also need to be corrected. Thank you. 

I am hoping we can get this resolved without me having to pursue other actions. Thank you.
Product: Checking or savings account

Back in XXXX of 2023, I purchased an item from an online vendor. The item purchased was a carbon fiber mirror cap for my vehicle. Unfortunately, this vendor purchased the mirror cap from a different vendor in XXXX and when the item was shipped from XXXX, the item was damaged during transit. Upon receiving the item and inspecting it, I reached out to the vendor and notified them of the damage and wanted to get a refund. The vendor then goes on to say that the item was shipped in good condition which doesn't matter since items can get damaged during transit and happens all the time due to various reasons, XXXX of them being poor packaging. I asked the vendor for a refund and to provide a return shipping label. They agreed to a refund however they can't provide a return label without proof that the part does not fit. I recorded a video showing that it does not fit and even took it to an autobody shop and had XXXX of the mechanics try installing it. They provided me with an invoice stating that the part does not fit. After providing the proof to the vendor, they denied a shipping label and stated that I would have to pay for return shipping back to XXXX which would cost a lot of money for a part that was damaged and doesn't even fit my vehicle. I then disputed the transaction with my bank Chase to which they denied my claim. I had faxed over supporting documents and they still denied my claim. Their reason for denying my claim was " The vendor had sent in pictures showing the item was not damaged before shipping '' which doesn't make sense since they do not physically take pictures of every item before shipping, which would mean they had taken a picture of another similar item to provide as proof that it wasn't damaged and not the fact that the part doesn't even fit. I called Chase claims department to reverse their decision and they said " you would have to figure out another way to get your money back such as contacting the vendor. '' If I could get my money back from the vendor directly, there wouldn't even be a need to file a dispute. The disputed amount is for XXXX.
Product: Vehicle loan or lease

Approximately 21 months ago, I purchased a new-used vehicle from Car-Rite in XXXX, Michigan. First, consumers should be protected from dealerships who sell lemon cars and cheat people out of their monies by handling them as a low life in setting them up with a company called Brite Financial.

When I first purchased the vehicle, I was set up for payments weekly, when I get paid bi-weekly. I was told by the dealership that all I had to do is call Brite Financial " Brite '' and they will change the payments. I did so, to no avail. When I called the company I was given different and incorrect information. I had auto pay that was to take money out of my account on the pay period. Because they were taking the monies out on the wrong date, it was causing the funds to not be available. I then called to cancel auto pay to pay on my own. I was then told that I was {$800.00} past due. Which I knew nothing about, because I had made arrangements and changed my payment to bi-weekly. Brite disabled my vehicle. I brought the account current and continued to make payments timely. I have never missed a payment for almost two years. My payment onXX/XX/XXXX I was unable to make my full XXXX payment and paid XXXX with the intent to make the payment the following week. I went to go to work XX/XX/XXXX and had XXXX towing to come and jump start the vehicle. I did not think it was the battery because I had to purchase a new battery in XX/XX/XXXX. When I contacted Brite, they never attempted to contact me but indicated because I did not pay the full amount they disabled the vehicle for the second time. Not only had I to put thousands of dollars into a vehicle that only had 30 thousand miles, the vehicle has had engine problems, brakes, rotars, tires and shocks. I was told because my vehicle was disabled previously that I am in their system, if I do n't make one or all the payment, the vehicle automatically is disabled. Brite discriminates against its customers in that certain people and customers vehicles are disabled. I was told they have no grace period and the vehicles are automatically disabled even if they make timely payments, or partial payments. I would like a thorough investigation that this a their procedures to all customers who have missed or been late with a payment. Even after making a payment, the customer service representative told me that I had to make arrangements for the next payment because my account is automatically flagged. I asked what would make them believe that I would not make the payment and was told because my car is flagged to be disabled when a payment is not fully paid or partially paid. My payment was XXXX and I paid XXXX on the due date and two days later, they disabled my vehicle. I was unable to go to work and missed 4 hours of work.
Product: Checking or savings account

I opened a checking and a savings account with Citibank. Then was offered a better checking I could also open so I did. I funded the checking account with {$50.00}, the access checking with {$25.00} and the citi savings with {$25.00}. All transfers went through without a problem from my XXXX  checking account however as soon as the funds were made available in Citibank I got an email saying all 3 accounts were being closed after a random review. I got my debit card and check book in the mail from them but are of no use and Im not even allowed to enter the accounts anymore. I dont make much money. I already transferred my veteran direct deposits to go into my new accounts. Now who knows if Ill get paid next month. And Ive been offered no solutions or timeframes to get my money back.. This is {$100.00} dollars total that means a lot to me. Im a XXXX veteran and they are causing me so much stress and anxiety. I need help. XX/XX/XXXX I made 3 separate deposits from my XXXX account. {$50.00}, {$25.00} and {$25.00}. XX/XX/XXXX I got an email my accounts were being closed and no explanation or help. Main checking # was XXXX
Product: Payday loan, title loan, or personal loan

For the last month, I have been receiving threatening phone calls and text messages saying that I was seen cashing a check on video surveillance cashing a check at Check N Go. The person said they were a attorney office, and then verified my social security number. When I objected that I had not written any check to Check N Go or cashed a check at their store, the person on the phone became aggressive and called me a liar. I asked for her company name and address, and she began to tell me that I was going to be prosecuted ( XX/XX/XXXX ). ON XX/XX/XXXX, I received a test message from the following number XXXX with the following message " Ceck N Go/Hot Check Division your pending legal action. Please call XXXX to pay immediately you may be placed on Texas bad check warrant roundup list. '' I replied in a response text " I have never written a check to Check N Go. Clearly this is a mistake and or identity theft or someone is frequently framing me. I am filing a police report regarding this matter immediately. They refuse to specify the amount. 


I would like to have this matter investigated because I have received no written correspondence about this matter to my home or mailing address, and have not done business with this merchant. I do not even have checks, and I am tried receiving these threatening calls and text messages about this matter. Please investigate Check N GO and this matter in my behalf.