23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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 or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX  - Account # XXXX to Experian/TransUnion and XXXX XXXX and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX regarding this account should not be included in my consumer credit.

15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If XXXX XXXX XXXX can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of recieving this notice. 
Late Payments in Question Charge Off as of XX/XX/XXXX, XXXX XXXX  150 days past due as of XXXX XXXX  90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, On XX/XX/2021, I went to XXXX with my 2 friends. At the moment, when we did self checkout an XXXX employee asked me if I want to get XXXX 's points card ( he did not mentioned at all that it was a master card ). And, I agreed to get it as back home ( XXXX ) we always used points cards. But, I never received this " points card '' neither the " XXXX XXXX XXXX I also do not live at that address anymore. So, I don't know if someone else took it and used it on my behalf or I have no clue what happened. After a few months I went to check if I had any letter on my name at the previous address and there I found a letter from XXXX that was saying I have to pay a amount of {$3500.00}. It is a huge shock and amount for me that I have never used. 

I called various times to the XXXX customer care and XXXX XXXX  agent but they always told me they don't have anything under my name. But, now that I wanted to buy a care I came to know that I have to check my credit score, I found it to be very low. I called Equifax and dispute the credit that did not belong to me. But, it was not helpful. 

I have never used this XXXX XXXX and don't even had it. 
Please help me in this regard. 
Thank you Best regards
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX US Dept of Ed account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 1681 section 602 A States I have a 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: Debt collection

A judement against me came up during my home purchase process. I have maild a copy of judgement along with a check to cover the amt owed on XXXX XXXX Check has been cashed and I'm requesting a release statement and recordable document to provide to my mortgage lender. Company states debt was sold to another company however they cashed my check. I've been calling this company since XX/XX/2019 after my check was cashed. I've called several times in a day only to talk with someone I've been placed on hold and transferred to several people. Spoke to a XXXX XXXX who said my account was sold to iXXXX. I can't get any answers.
Product: Credit reporting or other personal consumer reports

In Addition to the accounts and hard inquiries on the Identity Theft Report. I will like to add the following fraudulent account reporting on all three credit bureaus ( XXXX, TRANSUNION, XXXX ). Last the ONLY mailing address that should be on my credit report is XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX, all others are not mine. 15 USC 1681 XXXX XXXX Account # XXXX Amount {$7000.00}
Product: Credit reporting or other personal consumer reports

XXXX year XXXX   and XXXXXXXX XXXX account are furnishing late payments, this is illegal! This is violating my rights as : 15 U.S Code 1666b TIMING OF PAYMENTS, as it states a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose!

15 U.S code 1681a titled DEFINITIONS ; rules of construction-Exclusions-Except as provided in paragraph of the term consumer report doesnt include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it states, a consumer reporting agency CAN NOT FURNISH, an account without MY written instructions!
Product: Debt collection

Per optimum outcomes letter dated XX/XX/XXXX they stated, You have not made the requested payment. We thus will continue our collection efforts. I am exhausted with communicating with optimum outcomes and credit bureaus to have these items deleted off my record and credit report as these were covered by XXXX. I called Optimum Outcome numerous times from XXXX to present time explaining that balance from XX/XX/XXXX of {$27.00}, XX/XX/XXXX of {$52.00} and XX/XX/XXXX of {$55.00} totaling {$130.00} were covered by XXXX. I have also called original provider XXXX XXXX XXXX, credit bureaus XXXX, XXXX and XXXX to state that these dates of service were covered as well. Please be sensitive to the fact that on XX/XX/XXXX XXXX I went into XXXX XXXX XXXX. ; I was put into an XXXX XXXX primarily due to a procedure called XXXX. The procedure performed caused my XXXX XXXX to XXXX due to XXXX XXXX in my XXXX. My XXXX lasted from XX/XX/XXXX to XX/XX/XXXX ; hospitalizing me until XX/XX/XXXX. After hospitalization, I spent my recovery at home and felt well enough to start looking over my financials sometime in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX ) to the loan and the credit bureau is still showing that the XX/XX/XXXX and XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Completed deed in lieu of foreclosure in XX/XX/XXXX with XXXX XXXX. XXXX never sent me the final documents that the mortgage was closed even though I signed everything and it was notarized on their end. I have called/emailed/faxed for the past 6 months. They confirmed on the phone that my account was paid in full and closed. They advised me to fax my request for documents. I sent the fax twice in the past 4 months. When I called last week, they said my account was still pending to get my documents, even though it has been pending since XX/XX/XXXX. They said the only things I can do is call back every 30 days to get a status. 

In the end, this is affecting me fixing my credit score because it is showing delinquent/defaulted even though it has been paid for 16 months. The customer service from XXXX XXXX is non-existent after they get their money from you.
Product: Consumer Loan

They call up to 38 times a day even after payment arrangements are made and they say they will not contact they use XXXX numbers and local numbers sometimes every 15 minutes
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Aspire Credit Card. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within XXXX business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely 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, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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
Product: Checking or savings account

Date XX/XX/year> Transfer Amount {$490.00} Service Fee {$7.00} Card Ending in [ redacted ] Debited Card Ending in [ redacted ] Credited Confirmation No. [ Redacted ] I have redacted the information I have been advised to not post in here, per the verbiage on this page. 

Issue : Began going through the steps to initiate a transfer to my external account from my XXXX Checking. 
I noticed a {$7.00} fee being assessed, so I pressed cancel, not consenting to the transaction. I then received an error message, and at the same time, an email indicating the transaction went through and I was assessed the fee. 


Action taken by myself : Contacted XXXX Debit, using the phone number listed on the email of XXXX. Spoke to a dispute agent and an escalation agent within the disputes area to identify if I should dispute the transaction or just have the fee refunded, Was advised I can only dispute the transaction, but it may take 20 business days, IF they fix the error and have the funds pulled back. This would cause me to not have use of the funds for that entire time since they may be taken back. I plan on purchasing the vehicle and those funds are going towards the down payment, so I can't wait. 

I was transferred to a customer service agent and was advised initially they would not be refunding the fee. 

In all three calls, I mentioned this is a UDAAP violation. No representative was willing to reverse the charge due to bank error. All agents alleged I was at fault, even though I explained the issue clearly and offered evidence. At ni time did anyone want the evidence I offered or showed any desire to initiate an investigation to ensure this issue doesn't happen to others. The last agent finally reversed it, but kept saying it was my fault and it was reversed as a courtesy and the reversal has been processed. I took argument at the fact a courtesy refund is being used for a bank error. What if I make a mistake in the future? If I ask for a courtesy, I will be denied, creating a UDAAP issue wherein I'm not receiving the same benefit as others. 

I believe this agent to be lying since she then stated it was changed to a bank error, all within a second. 

None of the agents appeared to care about the UDAAP allegation or the allegation of a bank error. I was unable to avoid this fee as a reasonable consumer would, following normal steps, due to bank error. Please note the time of the transaction in your system, the time on the email and the time on my phone.
Product: Student loan

I want to file a complaint against GC Services Limited Partnership, XXXX XXXX, XXXX, Tx. XXXX. For the past 6 years I have been attempting to arrange repatment of defaulted student loans. The company has harassed myself and my family members even though I have reached out on a regular basis to resolve my debt. My parents wound up paying them {$13000.00} to resolve all my debt and they took it and said it only applied to one loan and that I still owe 35000+ in debt. They have threatened to take 15 % of my pay even though I pay XXXX monthly directly to the Dept of Education. Over the years I have contacted the dept of education directly to complain and request that my loans be transferred to another company, and was informed this could not be done. I feel depressed when I hear that there is no resolution to get my loan out of default status no matter what I pay. They told me I could pay them directly the XXXX  dollars instead of paying the dept of education directly and I should have known there was a catch. Now they are sending me letters telling me I have to sign away my rights to fight any current or future garnishments in order to maintain my curreny agreement. This company has countless complaints online and has also been sued by the FTC. They are not providing fair services and make people feel completely worthless and hopeless. I want my loan transferred to a new company and I want my loan pulled out of default status so I can continue to pay monthly without future harassment.
Product: Debt collection

COLLECTOR UNLAWFULLY PULLED MY XXXX CREDIT PROFILE ON XXXX/XXXX/2016, FAILED TO VALIDATE DEBT IN VIOLATION OF FCRA! ALSO, CALLED CELL, WORK AND OTHERS SKIP TRACING A DEBT I DO NOT OWE. I AM DEALING WITH ORIGINAL CREDITORS ON ALL DEBT. ( ATTACHED PLEASE FIND CELL AND OTHER DICOVERY )
Product: Checking or savings account

XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau Complaint against Bank of America From XXXX XXXX XXXX and XXXX XXXX, husband and wife In the year XXXX my wife, XXXX XXXX, and I set up a Health Savings Account through the Bank of America. In the subsequent years I made deposits into this account, as well as make disbursement requests from our banking accounts. The account number was # XXXX under my wifes name. Our mailing address and email address has not changed over the years. These were no problems for several years. 

In XXXX of XXXX, I went online to their website to request another medical expense for reimbursement. My password was refused. I called the helpline at ( XXXX ) XXXX. I was told by the agent that our account did not exist. I gave the agent all the information requested, including our names, social security numbers, and birthdates. I was told that they could not pull up the account. Calling back another day, I asked to talk to a supervisor. Her name was XXXX. She said she would look for the account in the back office to see if it was there. Calling me back, she had found it. We proceeded to reset our access into the account with a new user name and password. Subsequently I made two reimbursements requests, and the monies were deposited into our non-Bank of America account. 

In XX/XX/XXXX, I again went online to their website to request another medical expense reimbursement. My password was again refused. I again called the customer service number at ( XXXX ) XXXX. I was again told that the account could not be pulled up. After days of calling and talking to a different agent every time, I finally found one that listened to me. I suggested, and she confirmed, that I should scan and send supporting documentation from the account to her email address at Bank of America. I did this. I was later contacted by XXXX XXXX, Bank of America XXXX, Florida. We talked on the phone. She told me that the account was again found. XXXX stated that the account needed to be updated. She asked me to fill out two Bank of America forms, and send the supporting documentation to her email address. The address was XXXX. I have never received direct verification from anyone at Bank of America that my emails have been received by them. The forms I returned to them were an HSA Account Identity Verification Form, and a Name Change Request Form. These two forms and supporting documentation were sent on XXXX XX/XX/XXXX. We have not heard from them since.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Mortgage

I had a mortgage with JPMorgan Chase. My mortgage account number is XXXX. On XXXX XXXX I requested my payoff quote. I paid XXXX XXXX I made a payment for {$960.00}. Which was taken as FEES. The bank was keep calling me for the payment. On XXXX th I again paid another payment for {$1000.00}. Though I did n't owe any money in XXXX. They complained to credit bureau stating I am late. Credit bureau reduced my point. They sent me a refund of {$.00} for the overpayment of the payoff. In fact they are stating I had pay two months extra payment they collected. Obviously my payoff quote is also more amount. Can you please help me to get the right amount refund. If you need any documents I will glad to send fax or email.
Product: Credit card or prepaid card

I did not apply for any credit cards, and had hard inquiries on the following : XXXX XXXX XXXX XXXX XXXX