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

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXX XXXX XXXX XXXX XXXX XXXX as a data furnisher to XXXX. It has come to my attention that XXXX XXXX XXXX XXXX XXXX XXXXXXXXmay be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 

I demand that XXXX XXXX XXXX XXXX XXXX XXXX promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that XXXX XXXX XXXX XXXX XXXX XXXX conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 

I trust that XXXX XXXX XXXX XXXX XXXX XXXX will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for unauthorized credit inquiries on my credit report. Specifically, the inquiries from XXXX XXXXL and XXXX XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXwere not authorized by me. Despite disputing these inquiries directly with XXXX, they have refused to remove them. 
This action violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681i ( a ) : Requires consumer reporting agencies to investigate disputes regarding the accuracy of information on a consumers credit report, typically within 30 days.

15 U.S.C. 1681b : Defines permissible purposes for accessing consumer credit reports, none of which include unauthorized inquiries. 
15 U.S.C. 1681s-2 ( a ) : Obligates furnishers of information ( like XXXX ) to ensure the accuracy and integrity of the data they provide.

These unauthorized inquiries are adversely affecting my credit score and financial well-being. By refusing to remove these inquiries, Experian is not only neglecting its duty under the FCRA to maintain accurate and authorized information but is also infringing upon my consumer rights. 
I request the FTC to investigate this matter and ensure that Experian complies with the FCRA by : 1. Removing the unauthorized inquiries from my credit report.

2. Implementing measures to prevent future unauthorized inquiries.

3. Providing assurance that Experian adheres to all relevant provisions of the FCRA to protect consumer rights.
Product: Debt collection

On XXXX XXXX I got a text message from Jefferson capital systems calling me XXXX in the text. It said XXXX, this is XXXX contacting you from jefferson capital systems calling about an account. Then they text again on XX/XX/XXXX. And then this other debt collector called XXXX texted me XXXX times in XXXX and they put the same amount that Jefferson capital systems have on my XXXX account. So why am I getting XXXX different debt collectors contact me about the same account. Every time I get called they say a different name they dont ever get my name.
Product: Credit reporting or other personal consumer reports

This loan is in XXXX XXXX XXXX name she has proof of payment never been late and its reporting on my report as 30 days late.
Product: Checking or savings account

I made 3 transactions on XX/XX/XXXX, XXXX XXXX XXXXXXXX, {$810.00}, XXXX XXXX XXXX Same item and ammount for the 3 transactions. 
The purchase was made on the store but due the big size of the boxes I requested to have this shipped to my home. 
The seller never sent the items, also never provided a tracking number or shipment information. I tried to contact the merchant several times but they never answer. 
Must be delivered on or before XX/XX/XXXX, first contact with them was on the same day, XX/XX/XXXX, and the last XX/XX/XXXX.
Product: Vehicle loan or lease

Basically I did n't qualify for the loan, I did n't have no credit history, I had a injury to my XXXX with 7 to 10 XXXX, I was under XXXX XXXX not to make any decisions or sign any documentation. I was young anxious to get vehicle and I already had a vehicle. I was able able to trade it in. Yet with no job or employment they used used old paycheck stub of my prior job was told to tell loan officer that I paid a down payment on the car date of the purchase but I didnt ... The whole loan was fraud I realize I got myself in over my head now my mom is struggling to help me pay for something she has nothing to do with it The amount of the full loan is XXXX with payments of XXXX a month for 72 months Date of purchase XX/XX/2016 XXXX XXXX XXXX XXXX is the lot I purchased and Global Lending is whow financed it
Product: Mortgage

i made extra payment to my mortgage company last month ( XX/XX/XXXX ) for {$600000.00} to my mortgage principle.

I received new statement this month just add {$3400.00} to principle account.

i called the company 2 times to resolve this problems but i did not get any action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yet again TransUnion has erroneously done something to my credit report. Last month I complained about a company, XXXX XXXX, in which they have removed from my file but not completely. There is still an inquiry of some kind that says XXXX. This is a set up for them to place this company back on my file later. Also, once they removed XXXX XXXX, they did a couple other acts which make my report erroneous, untrue, unverified, and false. I've attached pics. 
1st, TransUnion added a fake address to my file. They then added a phone number and another inquiry that I don't know what it is, XXXX XXXX XXXX. 
2nd, TransUnion has removed a positive credit card from my file which has now dropped my score, XXXX XXXX Credit Card. This is unacceptable. How can they remove a positive reporting card off of my credit file? That just hurt me. All because they are in cahoots with that XXXX XXXX company in which the CFPB is investigating for fraud anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX  disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Consumer Loan

On XXXX XXXX, 2016, my XXXX XXXX was involved with a accident that occurred as the result of the gas accelerator sticking. The car has been in the dealership since that time. GM failed to respond to my request to investigate the situation until XXXX XXXX, 2016. The problem is that I am still having to pay a month lease payment and weekly car rentals of XXXX week. I called to see if GM could defer the payment of nearly XXXX per month and I am told that they do not defer payment of lease vehicles. Is there something that can be done because I an suffering financially?
Product: Debt collection

XXXX XXXX neglected to pay a claim for damages on my vehicle that was fully insured by XXXX XXXX. Due to breach of contract for not fulfilling their duty to satisfy my claim for damages on my vehicle. They fraudulently took money from me for insurance coverage and failed to provide coverage for damages made to my vehicle. I then canceled my policy for breach of contract and then this fraudulent entity adds a collection account to my credit report.Report. Causing me more harm and damages. XXXX XXXX is not owed any money from me. I am due monies to cover my claim from XXXX XXXX. XXXX XXXX needs to erase their fraudulent collection account off of my credit reports immediately!
Product: Checking or savings account

The bank has charged to many overdraft fees. I've tried to get it refunded but haven't been able to get them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I am trying to get a new card because I lost my American Express Blue Cash Card. However my billing address on the website is outdated and no longer valid. I couldn't change it without the CSV on the back of my card which I don't have. I can't reach American Express ' help support because their online system says I need to reach them to fix this but there is no phone number or online chat option due to a glitchy website. I essentially am denied access to my credit card.
Product: Vehicle loan or lease

A vehicle I had with this company was repoed 4 months ago because I was unable to afford it because of the interest. However since the vehicle had been taken 4 months ago they have no yet sent it auction to settle the account and continue to let it devalue before they sell it. Additionally they are continuing to charge me late fees and penaltys even though they have and had possession of the vehicle for 4 months. This is unethical and out if control.
Product: Checking or savings account

I have an account with Chime, it called Fraud I called to have one of my accounts pay role provider unlinked I spoke to a representative and had her unlink it, which happens once a week. The representative did not understand English and took out a feature off of my account. calledXXXX XXXX, I asked her. Why did she take it out of my account when I did not ask her to take it out of my account, which is a major feature that I use daily on my account, this is a week before XXXX. I asked for a supervisor or manager a supervisor came on and told me theres nothing they can do until three business days, which is XXXX and theres nothing they can do at that point, the supervisor would not do anything nor would he transfer me and he hung up on me. I want justice, I want that representative who took the feature off my account fired, and I want something done before XXXX? If not, Im going to take this further and its not going to be pretty.
Product: Credit reporting

Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with XXXX, Transunion, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, we 're in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like XXXX are one in the same, but neither one can help I think me and XXXX Americans are being misled by the credit reporting agencies. Thank you for helping me ~ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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

AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear Sir or Madam, This letter is in reference to SOME BILL XXXX $ XXXX XXXX, NO ACOUNT NUMBER NO INFO JUST A COLLECTION AGENCY for services provided to NO NAMED PERSON on XX/XX/XXXX In regard to the bill on this account in the amount of ( {$760.00} ) Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 

Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Creditt Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

CPS/Mail # XXXX 15 U.S. C 1681 Section 602 A. States that I have a right to privacy.

Also, 15 U. S. C 1681 Section 604 A. Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Also, 15 U. S. C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

Lastly, 15 U. S. C 1681s-2 ( A ) ( 1 ) states that 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via transunion interactive XXXX XXXX online information services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses
FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. They have stolen my information and have been using my information to obtain credit with several lenders/banks. 

I was robbed back in 2020 and ever since I have been getting inquiries on my credit reports and also credit lines opened under my name, including recently, a checking account and a credit card with XXXX  XXXX. The perpetrators have stolen almost {$20000.00} from my XXXX XXXX account by fraudulently changing my information on my XXXX XXXX account and transferring funds onto this XXXX  XXXX account opened under my name. They have also tried to obtain credit under my name with several other financial institutions. 

There are numerous addresses and phone numbers on my credit report that are NOT mine due to these activities. 

These actions have hurt me tremendously and caused me to lose a refinancing of my home recently not to mention the stress and headaches this have caused. 

I locked and froze my Experian report but havent started the disputes with the other two agencies. 

Ive been working with both XXXX XXXX and XXXX XXXX to get these transactions reversed, and my money back. I have also filed a police report and they are investigating as well. 

I was advised by Experian to file this report. 
Any help with this matter will be greatly appreciated. 

Let me know what I need to do to proceed. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

J.C. Penney ( Synchrony Bank ) closed my acct due to returned payments. These payments were not done by me nor from my XXXX bank acct. The payments are more than the balance at that time, my credit limit was much less than the payment or charges on the acct, I have received a letter stating that the payments have been applied in error and they r sorry, However they still have my account closed and said that I have to re apply to open my acct!. I have been a member/card holder since 2002 with no issues at all, I am now a Platinum member an I feel I shouldnt pay for someone elses mistake. And Im really XXXX!!
Product: Credit card

card payment was due on the XXXX got a e-mail telling me that my payment was due on the XXXX was not given time too make payment they were asking for {$25.00} i paid {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address ( Insert address ). 
My name should also read XXXX XXXX, my current phone number XXXX. 
Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX  XXXX, IL XXXXnon mailable address XXXX XXXX XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX, IL XXXXnon mailable address
Product: Payday loan, title loan, or personal loan

Dear Sir/Ma'am : We bought our car on XX/XX/XXXX. We financed our car with Ally Bank for 72 months. One year latter we had a Chapter XXXX bankruptcy. We were not told if we didn't reaffirm our car loan that it would ruin our credit. To make matters we thought we could eventually drop our gap insurance as many payments would catch us up to the cars value. On XX/XX/XXXX we were told that if we we dropped our gap insurance, that that Ally Bank would not let us lower our bank payments by {$25.00} to {$37.00} as expected.Ally Bank told us they would probably just keep the extra cash against our wills. In our opinion this over reach on the banks behalf. Thank you for your services. XXXX and XXXX XXXX