23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX. I originally told them I would pay for all services when they were finished. The procedures were incomplete at the end of the day and they rushed me through paperwork signing me up for a finance company, Care Credit ( Synchrony Bank ), to pay for the work. I was still disoriented from the procedures and suprised it was not finished. I did not know I was authoring any additional work to be charged on this credit account. I got the bill a few weeks later and it was for an excess of {$4200.00}. None of the work she charged me for was ever done except for XXXX XXXX which were not even completed and done incorrectly. I have had to have the work re-done by another XXXX. I disputed the charges with Care Credit ( Synchrony Bank ) and they completed an investigation that resulted in a finding in my favor and {$800.00} taken off the bill. They claimed that I still owed over {$3400.00} for XXXX botched XXXX. Even though I can prove with XXXX that I never received XXXX for which I was charged, they told me that they have taken the word of the dentist that these services were provided and stand by their charges. I will be following up with an attorney, but I do want to report what I feel has been fraudulent billing by this XXXX, charging for services that were never performed, and support of this fraud on behalf of Care Credit ( Synchrony Bank ).
Product: Debt collection

I received an email on the XXXX of XXXX stating that Nelson and Cruz have just received an account in my name from an XXXX debt holding location.today I received a called from them stating that a judgement will be entered or has been.This account have been reporting on my credit reports since XXXX of XXXX by Nelson and Cruz. So I dont understand how they are emailing about another company. I have been disputing this account with them and the credit bureau which I have sent out multiple letters to Nelson and Cruz and the 3 credit bureau to verify that this is my account I have never received anything from neither. So Im not understanding how they are sending me an email stating that they just received this account. it has also come to my attention that this company have been reporting since XX/XX/XXXX that I made a payment in XX/XX/XXXX then in XX/XX/XXXX missed a payment XXXX and XXXX of XXXX they reporting me making payments even for XXXX of XXXX. I have never made any payments to this company at any point in time I do not believe that this is an account that belongs to me they are doing some Deceitful tactics to destroy my credit report and to collect a debt that is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

If you feel there's a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following XXXX companies listed below has violated my rights 1. XXXX - XXXX ( Account # XXXX ) 2. XXXX XXXX XXXX ( Account # XXXX ) 3. XXXX XXXX XXXX ( Account # XXXX ) 4. XXXX XXXX XXXX ( Account # XXXX ) 5. XXXX XXXX XXXX XXXX  ( Account # XXXX ) 6. XXXX ( Account # XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This breach has caused significant stress and inconvenience, as it feels like I have to remain constantly vigilant against the possibility of my information being misused. It has also impacted my confidence in the ability of companies to safeguard sensitive data, which has led me to be more cautious in my dealings with credit reporting agencies and other financial institutions.
Product: Mortgage

I called BOA today and spoke to 6 customer service reps who could not help me. I paid XXXX Mortgage payments at the Branch with a teller and BOA stole my money. My payments are not reflected on my mortgage statements and BOA can not account for why my account is current and they can't find the money. 
My mortgage interest statement is off and they can't find the money? 
My home loan account number is : XXXX
Product: Debt collection

This debt will b e seven year s old this coming   XXXX   XXXX    , I have on several occasion requested proof that this debt belongs to me via my original signature on an agreement that I owe this debt to the original creditor and or to the collection agency, and proof that they are license to collect in the state of Ohio, proof of agreement that grant them the authority to collect on this alleged debt. As of today, they have not providing any proof to me. I am requesting you do an investigation to remove this alleged debt from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXX. XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a letter to Capital One Auto Finance to dispute information they were reporting on my credit report about an auto loan I had with them. They responded to my letter by sending me a print out of payments they say I made to them. However, according to the Fair Credit Report Act ( FCRA ), they were also supposed to report to the credit reporting agencies that a notice of dispute be placed on my accounts within thirty days, which they failed to do. On XX/XX/2018, I sent them another letter advising them that they did not comply with the FCRA by issuing the notice of dispute. I then checked my credit report on XX/XX/2018, and they still had not put the notice on my accounts.
Product: Debt collection

I was admitted to XXXX XXXX Hospital  in XX/XX/XXXX. XXXX XXXX   XXXX, a debt collection law firm bought the debt of XXXX from them.  In XXXX of XX/XX/XXXX, they received judgement against me in civil court.
I disputed the amount of what they said I owed them. I asked for a detailed accounting from the hospital and the law firm.
The next thing i know, my bank account is garnished for XXXX on XX/XX/XXXX.
When i called and asked them why they did that, they where quite evasive and ill tempered. 
At that time,I had a lawyer to talk to them about setting up payment arrangements, they would not, because they want me to pay XXXX a month, and can only afford $200 to $300.
I send them in what I can pay each month!! but they keep garnishing my bank account, causing me to be constantly overdrawn. 
 XX/XX/XXXX, they cashed the payment I sent them in for that month and at the end of the month June, they garnished my bank account again, for XXXX
They keep cashing the checks I send them each month, but they keep garnishing my bank account, causing me overdraft fees, and dragging me to court.
If they keep cashing my checks, I'm paying a fair amount, why the harassment?
All because they only want to accept XX/XX/XXXX when I can only pay $200 to $300.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX / 17  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulation  X- 12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Product: Checking or savings account

I received 2 letters from US Bank dated XX/XX/19 stating that effective XX/XX/2019 " In According with your Deposit Account Terms and Conditions, please be advised that we have elected to close your deposit accounts. '' No further explanation given. I had both business and personal accounts with the bank for several years, in addition to 2 credit cards. Accounts were in good standing and I have near-perfect, 800+ credit.

I went to the bank on XX/XX/19 ( That was the soonest business day I could make it to the bank I was out of the country on vacation with my family when the letter was mailed ) to collect funds as outlined in their letter and bank informed me the account had already been closed and they would MAIL my funds in 7-10 business days! I run a XXXX XXXX and having my funds confiscated in such a manner poses more than a slight inconvenience. When I tried calling the Account Closure Department after visiting the bank, they were closed. 

Furthermore, I have lost all access to online statements which I need for my records ( I don't even have a current balance ). In addition to the funds in my checking accounts ( business and personal ) I also have a pending item which will yield a credit balance of {$700.00} DUE TO ME on one of the credit cards. 

I am asking the CFPB help with the following : 1. Compel US Bank to provide a SUBSTANTIVE reason why my account ( s ) were terminated, as I strongly believe I did not violate any terms and conditions 2. Help insure my funds are returned IMMEDIATELY 3. I would like to restore access to my online statements and also be provided a closing statement ( paper copy ) 4. Make sure there is no derogatory remarks on my credit US Bank has not acted honorably, and in light of such, the decision to terminate our business relationship, I assure you is mutual, however I would really like to get my money back without further hassle or delay.
Product: Credit card or prepaid card

On XX/XX/2022 I received my pension on my us bank reliacard. I tried to use my card but was unable to. I called reliacard and was told I needed to go online and verify my I'd as my card had been defrauded of money, I told them that I did not authorize that transaction. I received a new card and the money back that had been taken. I went online twice to the website to verify my identity on the XXXX and XXXX of this month, I also sent a copy of my oregon drivers license front and back with the information they require in the mail to the address they gave me. I have been calling reliacard periodically to see if the block has been removed from my card each time I'm told that they havnt received anything or any proof that my identity has been verified. This is my only income, I'm looking at eviction, my bills are very late I also ca n't drive my truck as my insurance policy was cancelled due to nonpayment. I've done everything reliacard has asked me to do and when I call they are not helpful at all. Then I was told that there is no guarantee that the block will be removed from my card if and when my identity is verified. Please help!
Product: Payday loan, title loan, or personal loan

I applied for a loan to pay for flight school back on XX/XX/2022. 

The creditor notified me that my credit profile was locked and asked me to unlock it. I unlocked the report for them. They called again stating it was still locked and requested a co signer. I added my mother in law to the application. 

It's not XX/XX/2022 and I received an email stating that my loan was conditionally approved. 

I called and asked the loan officer XXXX XXXX if they were able to run my credit and he stated yes, and that I would no monger need the co borrower since they accessed my report and I have a good score ( XXXX as of today ). 

I called back this afternoon to ask what the terms were and the lady stated that they would need an ID, social and Application for XXXX XXXX, my father in law. 

The wired thing about this : I never added him to my application, I added my mother in law ( his wife ) XXXX XXXX. I believe this company researched my mother in law, and her address and found out that XXXX owns the house. Once they figured that out they then proceeded to participate in predatory lending, by asking me to have him added. 


Again, I NEVER added XXXX to my application, and I never even mentioned his name. XXXX would never co sign a loan for me. 

Please help me investigate this issue and this company for unfair practices and predatory lending tactics. 


I submitted an email requesting the withdrawal of my application and destruction of all documentation related to the application. 


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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$52.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX : {$24.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$2600.00} XXXXXXXX XXXX XXXXXX/XX/year> This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2022 XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX : {$360.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to XXXX with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to Equifax sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX XXXX, and also a letter to XXXX sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXX XXXX on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Equifax, and XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
XXXX, XXXX, and Equifax has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY ID XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Complaint following complaint # XXXX I have attempted numerous calls X/XX/2017, X/XX/2017 left numerous messages to XXXX XXXX XXXX rep at Collections USA and left messages on main line for a call back pertaining my case with XXXX XXXX XXXX in the amount of {$4900.00} for early termination due to domestic violence. State law ( XXXX. Rev. Stat. XXXX ) provides early termination rights for tenants who are victims of domestic violence and ( XXXX. Rev. Stat. AnnXXXX XXXX XXXX XXXX ) for providing access to my sole leased apartment to my ex husband and witnessing him entering my apartment through a balcony ( email sent to XXXX and XXXX subject line security ) and not calling the police. I was granted relocation to XXXX as soon as my divorce was finalized for safety ( in decree documents ). Collections USA Inc. has been unresponsive to my efforts to clear this debt and remove it from the credit bureau. I have the following mentioned documents and they wo n't answer my calls to provide them with requested documents.