23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I waspassenger in a car that was involved in a motor vehicle accident. where it was 3 people in total in the car. we where transported by XXXX volunteer ambulance service to the hosiptal all of us went in the same ambulance at the same time to the same hospital. I checked my credit report to find this ambluance ride on my XXXX XXXX and XXXX and XXXX credit report. i contacred the ambulance and the debt collector to not be able to get the matter resolved i do not have issue paying the bill but im want to dispute the amount of XXXX for me to pay when there where 3 people in the same ambulance.
Product: Checking or savings account

I actually had an account opened without me opening it. I had another checking account that I was charged a lot of overdraft fees that were not refunded.
Product: Vehicle loan or lease

I had paid XXXX dollars on the car gap paid thier portion and they sold it at an auction for XXXX but the put on my credit that charge off is XXXX. I tried to pay it they were being rude so I couldnt adjust the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out my dispute letter certified on XX/XX/XXXX and they received it on XX/XX/XXXX they had to sign to get the letter. They violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. In Which I dont believe the accounts listed below should be shown on my credit report. Another law that is being broken is 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 I did not give anybody written instructions. The accounts that I disputed in my letter was : XXXX XXXX account # XXXX Amount : XXXX XXXX  Account # XXXX Amount : XXXX Division of child sup en Account # XXXX I need these accounts deleted off of my credit report due to multiple laws being broke. I need all of the accounts listed above need to be deleted. If not I will be seeking litigation for every account listed above. This is my 3rd attempt. Stop breaking all the consumer laws and promptly erase these unlawful accounts off of my credit report. Erase unlawful accounts listed above asap thank you to whom this may concern
Product: Credit reporting 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. 

Account 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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : 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 XXXX years.
Product: Credit reporting or other personal consumer reports

I put a dispute in with XXXX transunion, XXXX about the XXXX accounts that Ive been complaining about XXXX is for Credit collection service XXXX is for credit acceptance. Ive been disputing the second account for the past XXXX years experience have refused to remove that account off my credit report which I asked him XXXX times to remove it, and I sent documentation to them that it needs to be removed. Also, I also sent them documentation about them to remove the credit collection service which they did their investigation and I was not pleased with the investigation that they have done under the law 15 usc 1666 ( b ) experience still refuse to move these XXXX accounts off my credit report I feel as though they are not properly investigating to delete these XXXX items, credit acceptance, and also credit collection service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to temporarily lift a credit freeze for a credit inquiry.
Product: Student loan

I contacted EdFinancial on XX/XX/XXXX requesting a refund of my payments during Covid under the cares act. On XX/XX/XXXX I received email confirmation of this request, and was informed it may take up to 150 days to process my refund. I also received a document stating my request which said I would be refunded within 45-60 days. I have called multiple times and they have no updates available on my refund. I need to apply for loan forgiveness as soon as possible to avoid interest accruing, but am uncomfortable doing so until I receive my refund payment. It has now been XXXX weeks and I still have no updates or refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX inaccurately listed bankruptcies on my report. I did not file a XXXX XXXX bankruptcy filing, XX/XX/XXXX. XXXX XXXXXXXX bankruptcy filing XX/XX/XXXX. This information has been disputed over 6 times and has crippled me financially. I need this removed as soon as possible. I have already contacted a lawyer about this matters.
Product: Credit card or prepaid card

In XX/XX/2021 I applied for a CareCredit credit card through synchrony Bank. They had a hidden promotion using a deferred payment amount that would charge 26 % interest after 12 months of payments. They don't make it clear that this was the type of loan when receiving the card. I was under the impression that this was a standard credit card with a limit and interest rate. I just got to month 13 of my auto pay, and saw a higher balance, so i tried calling them and seeing if I can pay off the card without the deferred amount since I didn't know it was a promotion. They basically told me I should of figured out all this by reading my statements carefully. This is a scam designed to have the customer believe he is paying on a credit card then set him up for a high interest loan.
Product: Credit reporting or other personal consumer reports

I am demanding the removal of the account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX from my credit report for inaccurate reporting. Please see the attached dispute letters sent to the collection agency which caused for the removal from XXXX. I sent a letter to Equifax over 5 months ago and they have failed to remove the account. Please see the attached letters which are dated and time stamped and remove this account from my credit report.
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 right to privacy and confidentiality under the15 USC 1681 Us Dept 0f EdXXXX {$2400.00} XXXX XXXX Us Dept 0f EdXXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX {$310.00} XXXX XXXXXXXX XXXX XXXX {$360.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX ! XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX Amount : {$900.00} I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submission, Equifax consistently responds within 24hrs stating the account is accurate, without providing any evidence of a though investigation.This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C & 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also Contravene the consumer 's Financial Protection Act,12 U.S.C. & 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPB, s recent administrative proceedings ( File XXXX ) against them for similar violation.I request that the CFPB take actions to ensure Equifax complies the federal laws and provides consumer 's with the necessary proof of investigation.
Product: Debt collection

On the following dates Portfoliorecovery called my home number.. I told them each time that they have the wrong information and to remove me from their call list. Each time I was told that my number would be removed from their call list. They have continued to call and harass me. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have over 6months of harassing calls from Portfoliorecovery if more dates and times are required. 

I also informed them that my phone number is registered with the National Do Not Call list.
Product: Debt collection

Have been repeatedly harassed by the debt collector over a {$500.00} credit card balance. They switch numbers frequently so you can't easily block or screen the calls and never leave a message so you never know why they are calling.
Product: Bank account or service

Bank of America constantly ads fees before I can correct the issue. I am a XXXX living almost check to check. So when I do get the money to fix the problem I get hit with more fees which makes it worse. This problem is so bad that I closed my account. They refused to redact the fees and I lost {$180.00} in fees right before rent.
Product: Credit reporting or other personal consumer reports

Subject : Deletion Request for Improper Credit Inquiry Under 15 U.S.C. 1681a ( 2 ) ( B ) and ( C ) Complaint : This is a formal request for the deletion of an unauthorized inquiry from my credit file.

Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) and ( C ), this inquiry does not qualify as a consumer report, as I am the third party who requested credit, and I did not authorize the use of my Social Security number or consumer file in this transaction. The banks involved misrepresented my identity by reporting the inquiry as though I were the consumer identified by SSN, when in fact I acted in my private capacity.

Because this was not a valid consumer report under federal law, and no permissible purpose existed for furnishing it under my SSN, this inquiry must be deleted.

Please investigate and confirm removal of this fraudulent and improperly attributed inquiry.
Product: Debt collection

Midland is listing a collection account on my XXXX and XXXX credit reports. I have asked for debt validation under Texas Finance Code 392 from Midaland Funding via certified mail sent XX/XX/XXXX ( see attached certified letter ) and company has failed to provide required debt validation. Midland did not respond to my request except to update their reporting to the ccredit bureaus.Under Texas Finance Code debt collector is required to delete entry if they fail to provide required debt validation. I have disputed multiple times with credit bureaus and have sent ceritfied letters to Midland ( see attached certified letter ). The collection account is currently being reported to XXXX and XXXX -- and the information between the XXXX bureaus do not match either. XXXX has date to be removed as XX/XX/XXXX and the other has date to be removed XX/XX/XXXX so they are reporting different dates of first delinquency.
Product: Credit card

Applied and was approved for American Express Business Gold card with XXXX point sign up bonus after spending {$10000.00} on the card in the first 3 months. I was approved on XX/XX/2016 ; however, I did not receive the card until XX/XX/XXXX nd was not able to complete the minimum spending the 1 month ( instead of the allotted 3 ). I have requested multiple times ( at least 6 ) for a review, and was consistently told to wait for XXXX months for XXXX different " investigations '' totaling almost 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

BLOOMINGDALES DEPARTMENT Has been reporting a late payment on my XXXX and XXXX credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.
Product: Debt collection

I received this letter about a medical debt to XXXX hospital for a visit that took place on XX/XX/2014. For a debt of {$60.00} on a {$820.00} balance reduced to {$9.00}. I am up to date with payments for XXXX XXXX because I am still a patient. 

Also I just received this letter in the mail today and I know its a scam so Im sending this info to your agency.
Product: Credit reporting 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. 

Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 am writing to inform you that I have yet to receive any information or documentation from your company regarding a wet ink contract stating that I own the debt in question. Despite my multiple attempts to reach out to your company for the original documents, I have been denied. 

As per the Fair Credit laws, I am requesting that this debt be removed from my record immediately. Failure to do so will result in me taking legal action based on related laws that pertain to this violation.

I have made three attempts to contact your company and request the original documents, but I have yet to receive a response or any information that would indicate that I am indeed responsible for this debt. The Fair Credit laws require that consumers have the right to review and dispute any debt that is reported on their credit report.

I understand that errors may occur, but it is the responsibility of your company to provide me with the necessary documentation and information to properly review and dispute this debt. By denying me access to this information, your company is violating the Fair Credit laws and my rights as a consumer.

I hope that this matter can be resolved quickly and efficiently, and that your company will take the necessary steps to provide me with the original documents and information that I have requested. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information related to my credit report concerning the closed account with XXXX XXXX, account number ending in XXXX. Upon reviewing my credit report, I found several discrepancies that do not accurately reflect my credit history, and I am requesting a thorough investigation into these issues. 

Specific Discrepancies Payment History : The report lacks detailed information for the years XXXX to XXXX. There should be an accurate record of my payment history during this time. 

Date of Last Payment : The last recorded payment is noted as XX/XX/XXXX, but no payment is reflected for XX/XX/XXXX Creditor Classification : The classification is marked as UNKNOWN. Accurate classification is crucial for assessing the account 's nature. 

Request for XXXX I request that you investigate these discrepancies and provide me with the updated and accurate information on this account. I ask for the immediate update of any inaccuracies related to this account from my credit report. 

Please confirm receipt of this letter and keep me updated on the progress of my dispute. Thank you for your prompt attention to this matter.
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 Account status Closed XXXX XXXX XXXX - ACCOUNT XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX Credit Bureaus XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

XXXX  use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over 2000.00 now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and XXXX found in  my favor, also XXXX XXXX did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self
Product: Vehicle loan or lease

Regretfully, on XX/XX/XXXX, I was in an XXXX that resulted in the total loss of my vehicle. Positively, my XXXX XXXX paid Infiniti Financial Services ( IFS ) in XXXX for the portion of my unused vehicle warranty ; XXXXXXXX XXXX XXXX XXXX department is now responsible for paying the outstanding debt of {$1500.00}. As I was emailing the XXXX XXXX XXXX department about this balance, the XXXX collections department called. I told them that a check would be issued on XX/XX/XXXX, in accordance with the warranty representative. After I followed up with XXXX, who informed me that it might take up to XXXX days to receive, I received XXXX or XXXX more collection calls. Seeing that I did not receive any more calls from either side, I assumed all was paid in full. 

Moving forward, on XX/XX/XXXX, I discovered a charge-off in the same amount on all three bureauscredit reports. I called the XXXX department right away, and they sent me copies of the canceled checks that XXXX had refused to cash on XX/XX/XXXX. 

According to the latest information I received, the XXXX XXXX XXXX is only paying {$1200.00}, leaving a {$290.00} balance that is a part of the charge-off. If XXXX had stayed in contact, cashed the cheque, and told me about the remainder, all of this would have been prevented and paid in full in a timely manner. I find it incomprehensible that XXXX charged off my account instead of accepting or cashing this check in XXXX. CFPB, please help me encourage Infiniti Financial Services ( XXXX ) company to reverse the unfair charge-off that resulted from their refusal/ failure to cash the check that was actually sent on time.
Product: Checking or savings account

I deposited a XXXX  party check that was signed and valid in the name of XXXX XXXX for the amount of {$7500.00}. Bank of America closed my account sometime in XXXX of XXXX. The check shows as being paid. They never returned the check or sent a cashier 's check. I reach out to the Department of Treasury and was informed to get the check back from the bank. The check was {$7500.00}.