23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sent letter on XX/XX/22 notifying ars of non compliance with the FDCPA They received my letter on XX/XX/22 I received a response on XX/XX/22 This letter did not address the non compliance of the FDCPA. Letter was a verification of debt. 

Sent double email to XXXX on XX/XX/22 with attention for legal department Now submitting cfpb complaint on XX/XX/22 XX/XX/22 Received email from XXXX XXXX ( XXXX ). Attached was 3 pdf letters standing they sent a request to XXXX XXXX, XXXX to delete the accounts from my credit report. 

He did not address my monetary relief of {$4000.00} for non compliance of the FDCPA. Submiting to credit reporting agencies to delete accounts are a action form for admission of guilt. 

Now waiting for my check. 

Attached will be my letter and the 3 pdfs
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. 

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 XXXXXXXX, 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: Debt collection

I went to XXXX XXXX to receive XXXX XXXX We agreed on an amount of {$10000.00} Total. My insurance would pay {$2400.00}, I would pay {$4100.00}, and I would get a {$4100.00} discount. The reason for the discount was that my wife worked for XXXX XXXX, and as a family member, I would receive a XXXX  % discount. We agreed and started the treatment. I always paid for any treatment I received that same day. When I returned for the second part of the treatment, I was told by the XXXX XXXX XXXX XXXX that they had made a mistake and at this point, since my wife no longer worked there, they could not honor the 50 % discount, although we had already agreed and I was giving a treatment plan by them and started the treatment. They wanted to give me a new price of {$6400.00} that I would pay, and my insurance would pay an additional {$1600.00}. This was aside from the fact that I had already paid over {$1500.00} for the first part of the treatment. I told them I would not be paying the new balance and left the office. A few weeks later, I started to receive bills with multiple discrepancies from XXXX XXXX. I called to ask what these bills were for. I was told that they were charges from past treatment I had received, and they went back to remove the discount. I then went on to receive a bill of {$1000.00} on XX/XX/XXXX. This was followed by another bill of {$2500.00} for the next couple of months and then a statement stating I had a XXXX balance on XX/XX/XXXX. I asked them to break down the payment of what I was being charged, but they would just send me bills with no explanation of what they were charging me for. I refused to pay them as I always carried a XXXX balance, and as of XX/XX/XXXX, they are sending me to collections through Fidelity Creditor Services. I requested a debt validation from Fidelity Creditor Services along with a breakdown of the amount they are charging me, but they can not provide it for me. They sent me a treatment plan and my treatment history with some payment history as well, but none of it is legible. Everything is blurry, and they still have not provided a breakdown of the charges. As of XX/XX/XXXX, I have sent a second request for validation and a breakdown of charges ; I will be waiting for their response. I would like to have this cleared as I've been struggling to clear this issue for years now, I should not be paying XXXX XXXX anything because I never had a balance and always paid for my treatment before receiving said treatment. It is not my fault, and XXXX XXXX should take full responsibility for their mistake and not try to put the burden on me. I have covered some personal information in the uploaded documents to protect my health privacy.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Someone withdrew money from my TD bank account on XX/XX/XXXX. We notified the bank on XX/XX/XXXX who is now investigating
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX ) XXXX XXXX XXXX  # # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX 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 15 USC 1681 Section 602A states I have a right to privacy.

15 USC 1681 Section 602A states also state a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this complaint about? Collection Agency What type of problem are you having? damaging my credit What happened? Collection Agency bought old doctor bills that insurance paid already What company is this complaint about? Commonwealth Financial Systems, Inc Who are the people involved? XXXX   credit, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with TD BANK USA/TARGET C. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXXn, XXXX, XXXX and TD BANK USA/TARGET C with no successful resolution. XXXX, XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

On XX/XX/2023 I purchased an electronic skateboard using this credit card from XXXX. Approximately 60 days later I began hearing a loud clicking sound coming from the right rear drive wheel of the skateboard and started noticing the skateboard was needing more frequent charging even though the route that I rode my skateboard on was the same distance. 

On XX/XX/2023, I contacted XXXX XXXX XXXX ( XXXX ) for the steps I need to contact the seller as I couldn't locate the information through the XXXX app. XXXX instructed me on how to contact the seller through their messaging service and noted my issues on my account. 

According to the seller 's listing for the skateboard, it comes with a 180 day ( 6-month ) warranty. 

To date, I have not received any communication from the seller in regards to handling the defections of my purchase and its warranty. 

Per XXXX 's instructions, I waited 48 business hours for a response from the seller and then re-contacted XXXX for further assistance on XX/XX/2023. I was advised at that point that there really is nothing XXXX can do to remedy the issue but they may be able to accept a " late return ''. The caveat to the " late return '', however, is that I will be charged a fee in the amount of 20 % of the purchase price. 

XXXX also advised me to try to reach out to the manufacturer for potential help with the warranty. I attempted to contact the manufacturer 's cusomter service on XX/XX/2023, and ( as of this date ) have not received any communication from them on the matter either. 

On XX/XX/2023, I initiated a dispute with my American Express Business credit card that the purchase was made on. During the call I articulated the details as I have outlined above to the American Express Customer Service ( AECS ) agent. 

On XX/XX/2023, I received a message from American Express noting that they are rebilling my dispute as they had received information from the seller that I had not returned the product. 

I am extrememly frustrated receiving this information since I was very clear with the AECS representative that I had not returned the skateboard because, simply, I have not been able to communicate with the seller or manufacturer for any instructions on how to resolve it. Further, it is frustrating in regards to the seller that they did not respond to me but, once their payment was at risk, they promptly responded to my credit card issuer.
Product: Checking or savings account

I am now abroad of the United States for 5 months, I think it is gon na be even longer ... Due to the fact that I do n't have access to my USA number they blocked access to my online banking. However, I have access to my email account which is registered in the bank. 
Several times I called them, explained that I 'm overseas and have only access to international number and e-mail they have in file. But they do not care.I ca n't check online what is going on there! 
I have 2 credit cards and 2 checking account, everything is blocking .... 
They may have confused my information with my stepfather, because when we first open a checking account, it was with his name like there are 2 people on the same checking account. But I have persona checking account! 
I also sent many times my documents via Fax ( instead of something to go to brunch ), as they ask. Absolutely nothing help! 
When I call them, they say different reason every time, first you have no USA phone number, the second some problem with one deposit a check or what, the third some deposits and more. 
In fact, I do n't have access online to my personal checking account and my personal debit card.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX {$0.00} Inquiry only. XXXX did not remove incorrect information. 
XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry only. XXXX did not remove incorrect information. 
XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry only. XXXX did not remove incorrect information. 
XXXX XXXX XX/XX/XXXX {$0.00} Inquiry only. XXXX did not remove incorrect information. 
XXXX XXXXXX/XX/XXXX {$0.00} Inquiry only. TransUnion did not remove incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCT # XXXX XXXX XXXX # XXXX XXXX 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 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The same accounts, which have been settled, appear as double marks against the consumer. 

The following accounts : XXXX/XXXX - acct # XXXX XXXX/XXXX - acct # XXXX were sold to Collection Agency and also appear on my Credit Report : XXXX XXXX - acct # XXXX XXXX  XXXX - acct # XXXX These were resolved and paid by me, the consumer. 
The Credit Reporting Agencies CAN NOT continue to keep these accounts listed and make it look like there are 4 accounts that are delinquent, with balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card services is reporting to all 3 credit agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX   ignores all phone calls period.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX, I have sent money to XXXX XXXX for affiliate marketing via XXXX XXXX which was never materialized on XX/XX/XXXX the CEO of the XXXX XXXX XXXX send me a XXXX  message that he is not providing service anymore, which is approximately 10 to 15 days after receiving the payment from XXXX from my bank and Credit Card XXXX XXXX XXXX dollars. I followed the dispute with XXXX. They promised to have XXXX settle in our favor after 10 days which was keep delaying and delaying till this today is XX/XX/XXXX and XXXX informed that they will not receive any more appeal. they denied my eligibility for XXXX purchase protection plan I am unable to talk to the back, ground working team for eligibility approval of the refund They have denied some claim. They have settle in favor of the vendor who have never provided any services and also XXXX out of all the XXXX claims is in my favor which is about {$2500.00} For the same cases, they have refunded people money and in my particular case, they have declined it. 

I have to spend several hours every week every other day they have a horrible system of appealing they made my case as an investment which I told him it is not an investment. It is a service protection to be given for that it was supposed to be done for you abbreviated as XXXX affiliate marketing via XXXX XXXX XXXX XXXX. 
Paypal seems to be doing a fraudulent business because they are paying somebody and not paying some people have no explanation they should be question about this practices of making claims declined without explanation and nobody to talk to.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a separate fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Equifax Consumer name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a auto loan opened on XXXX {$120000.00} # XXXX XXXX XXXX.The account have resulted in a fraudulent account appearing on my consumer XXXX credit report. I've attached a a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. 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 accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

I have been trying to get the company to pay the outstanding real estate tax bills since XX/XX/21.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX He gave 2 Hard Inquiry the same day in XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX only removed there account from 1 bureau XXXX. They neglected to remove it from equifax and XXXX. This is very serious for a huge company to continue to ruin people lives by falsely reporting wrong information. They also falsely stated i had to pay and offered a settlement before they could remove it and they lied. This company is not responsible to consumers credit. 

XXXX is reporting incorrect information never late on credit card ever. Its illegal to report different information thats not accurate.I spoke to them they said im reporting current never late please update. This is wrong. Never late Its on XXXX I was never late. Since covid I worked hard to keep my credit clean XXXX {$8400.00} Closed 2 late payments never late please remove Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XXXXXXXX XXXX, XXXX Credit Limit {$8400.00} {$8700.00} Payment Info Status Paid or paying as agreed Status date XXXX XXXXXXXX Past due amount {$0.00} Highest balance {$8900.00} Monthly payment {$220.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX - - - - - 30 60 On Time 30 Days Late 60 Days Late - Data Unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

The following XXXX, Experian, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit card

I have sent numerous requests and provided information that proves we did not benefit from the fraudulent charges on our Chase credit card. I emailed more backup on XX/XX/24 after receiving a call back from my first CFPB complaint and have called repeatedly all to no avail. I faxed more information today XX/XX/24. We have been trying to get this resolved since XX/XX/24 and have had the charges taken off and then put back on twice. Our statement is due today and we do not want to be charged interest if we refuse to pay this onerous, fraudulent charge.