23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

did not get intro XXXX XXXX  {$350.00} XXXX XXXX XXXX  dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

1. XXXXXXXX XXXX - ACCOUNT # XXXX 2. XXXX XXXX ACCOUNT # XXXX 15 US Code - 2 - Responsibilities of furnishers of information to consumer reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company has reported false information on my credit report that doesnt belong to me I never started here or know anything about this place by law its is against the consumer Report law to report false information on people credit report
Product: Debt collection

I have been working on getting my credit score back to par for years and finally this year I have been able to make a pretty big stride. I had three medical transactions/bills that weren't paid off when my State Medicaid insurance went into effect, so I placed a dispute with XXXX and the debt collector realized since I was a Medicaid recipient , that the bills should have been taken care of. Then about a month later this charge for a medical bill owed from back in 2019 surfaced as a debt. It totals around {$53.00}, and should have also been paid and taken care of by Medicaid, however through two disputes, they refuse to drop the debt. I never received a bill from this " said '' debt collector, a phone call or an email. To my knowledge, it didn't exist. They have not tried contacting me, nor have before, and they have had access to my current address/phone number/ email, plus I provided my up to date State Medicaid card in the last dispute.
Product: Debt collection

USCB corporation is looking to collect a debt that was meant to be paid over a year ago. There are no late payments to backcheck this debt. There are different dates with each credited. XXXX had it on XX/XX/23. XXXX on XX/XX/23 and XXXX on XX/XX/23 if that was not enough there is no payment history from any of these to back this debt up. They have also stated that even if the amount is paid, the collections would not be removed and could not be removed by anyone. I have no contract with this company. Noting saying I have a responsibility to pay this money to them.
Product: Credit card

On XX/XX/2024 I contacted my insurance provider to renew my policy. I charged the premium to my Wells Fargo ( WF ) credit card. The agent stated the charge was declined. I checked my account to verify that I had enough available credit to cover the charge. My available credit was {$850.00}. The charge was for {$820.00}. The agent ran the charge again and received another decline.

I then called WF to try and resolve the issue. On the first call, I was told the charge was successful. My insurance agent maintained that the charge had been declined. Therefore, my credit card was charged but my policy had not been renewed. I insisted the matter be escalated. The WF rep then put me on hold. A few moments later, the line mysteriously disconnected. 

I called WF back and was again told that the charge was successful. I repeatedly told the WF agent XXXX XXXX that the charge was declined on the merchant side and therefore my policy was not renewed. XXXX decided to dispute the charge which resulted in me not having access to my available credit until the dispute is resolved. 

The entire situation is absolutely infuriating. I attempted to use available credit, was unable to through no fault of my own, and now I have no access to it. Neither agent had any interest or feasible idea on how to truly resolve the issue.
Product: Credit card or prepaid card

Hi, I Do Have An Issue With A Bank Of America Institution, Regarding A Fraudulent Activities Into The Account Provided By Them In Accordance With XXXX, Wich The Amount Is The XXXX That Were Taken Off In Different ATM Of The Same XXXX/Bank Of America, Prepaid Card So I Have Contacted First The Branch Management, No Action Taken, Then By Phone Access Through Almost 2 Months Already The Fraud Was Detected By Me On XX/XX/XXXX But According To The Statement It Reports That The Fraud Was Made From The Day XXXX Through XX/XX/XXXX The Days Started On XXXX An Amount Of $ XXXXThen On Day XXXX An Amount Of {$980.00}, Then The Latest Was On Day XXXX An Amount Of {$980.00}, All These Amounts Were Withdrew From Different ATM In Different Areas Wich I Personally Don't Know Were They Are Located As Well How The Card As Well As The Personal Pin Number Was Obtained Once It Is Personal, So Please Help Me To Get All This Funds Back Into The Account Due That Because Of This Issue I Ended Up To The Emergency Room With XXXX XXXX Issues. 

Thank You. 

Best Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$800.00}
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX - {$800.00} XXXX XXXX XXXXXXXX - {$760.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$460.00} XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1200.00} EMONEYUSA XXXX XXXX XXXX {$710.00} XXXX XXXX XXXXXXXX XXXX {$380.00}
Product: Payday loan, title loan, or personal loan

When I planed to buy the car, the dealer ( XXXX BMW ) provided 1.9 % of interest rate with 60 months payment then when I signed the contract the interest rate was changed from 1.9 % and 60 Months to 5.79 % with 84 Months. I believe that they explained why they want to change the rate and period even that's not good for me and couldn't get the meaning clearly but I agreed and signed because that was almost XXXX. I had to finish it ASAP then had to back to home to care my son. 
Since I bought the car, I realized they didn't care of my car 's problems well and realized they overcharging me the interest rate than the average charging with similar credit score 's people.

In my understanding, the interest rate will be between 3 % to 4 % with 84months. I am thinking the BMW overcharging me and that's not fair. If I know that I didn't sign it. Why do I have to pay more than other people even I agreed and signed the change the interest rate and period?

Sounds like the BMW can charge me the interest rate between 3 % to 4 % with 84 months fairly for their benefit but they did more than normal.

If this is true, I am not happy and want to know the BMW overcharged me than normal.

I believe that people should have a equal and fair service.

I contacted the BMW USA to solve those issues before complaint here, the person who called me one time from the BMW USA, he advised me to talk with the dealer shop directly. So I waited 4days to someone call or email to me to solve this. But now I am not comfortable with waiting time because my first payment due is XX/XX/XXXX. Even I didn't want to talk with them, I tried. 
Also, pretty hard to believe them now. I need someone's help to solve this problem. 
I am looking forward someone can help me. 
Thank you.
Product: Credit reporting

You have XXXX XXXX listed twice on XXXX/XXXX/15 ... you penalize me for inquiries and the count them twice
Product: Credit reporting

I have derogatory mark on my file from XXXX XXXX. I called and got a pay off amount a good while ago and paid it off and suddenly they say I owe $ $ XXXX-If I were paying them off why would I not pay {$2300.00}? This is an error and I want it removed from all XXXX credit bureaus as paid in full. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Circuit # XXXX  All 3 Accounts was paid before being placed as judgements as well as the new law passed in XX/XX/2017, judgements should not be placed on the credit report if all the personal information is not reported. This is a violation, accounts was removed Fair Collection and XXXX  # XXXX Creditor has not provided any proof or contracts bearing my signature but after 2 disputes, the credit bureaus are still reporting inaccurate information. This account was removed from XXXX.

XXXX XXXX  # XXXX   Account was recently added, with terms but I have never had a contract to have terms or a payment status reported.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I logged into Mercedes Benz Financial website to pay my car payment on XX/XX/XXXX, for a payment which was was due on XX/XX/XXXX. Their system indicated that I was due for two payments, ie that I was past due for a payment. In a panic, I paid the double payment, and emailed them to inquire why, if I was past due from the previous month, they had not contacted me. After making the payment, I went to my bank account, and discovered the previous months payment had been deducted from my account on XXXX XXXX, 2016. I emailed MBF this fact, but never heard from them on Monday. Finally I called customer service, and spoke to XXXX, ( last name unknown ) who explained, that their " NEW '' system, realizing that XX/XX/XXXX was a Saturday, and knowing that they place a 24 hour processing and additional 24 hour handling delay on payments, and because it was the weekend, they would just show it as due for 2 payments, because there was no way for their system to accept payment timely, even though at the time of my inquiry, I was only due for a single payment. In addition, when i discovered this I requested a refund of the unneeded payment, but was informed there would be an extensive delay to accommodate that request. I think this is deceptive and inaccurate servicing which has harmed me by mental anguish and financial harm. I have leased Mercedes for the past 15 years, but that is over now. XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Formal Dispute of Inaccurate Collection Account [ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ] Dear Sir or Madam, I am writing to formally dispute the accuracy and validity of the following collections listed on my credit report, associated with account numbers [ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ]. According to your report, these accounts are verified as accurate by the creditor ; however, I contest the accuracy of these entries and request an immediate investigation pursuant to the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, you are required to investigate disputed information within 30 days of receiving this letter and, if the information is found to be inaccurate or unverifiable, to remove the entry from my credit report. The following concerns render these collection accounts inaccurate : 1. Failure to Provide Adequate Proof of Debt : The creditor has failed to furnish any documentation validating the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). Despite my written request for validation, no substantial proof has been provided to demonstrate my responsibility for the alleged debt.

2. No Evidence of Ownership or Legal Authority to Collect : The creditor has not provided evidence of their legal standing to collect on this debt or the assignment of the debt to them from the original creditor.

3. Inaccurate Reporting : Based on the lack of sufficient evidence, I contend that the information provided to you by the creditor does not comply with the standards of accuracy required by both the FCRA and FDCPA.

Accordingly, I hereby request that you immediately initiate an investigation into the validity of this collection account. If the creditor is unable to substantiate the debt and its ownership, I demand the prompt removal of the account from my credit report. Should this information remain on my report without adequate validation, it will constitute a violation of my rights under the FCRA and FDCPA, for which I will consider pursuing all legal remedies available to me. 

Please provide me with a written response upon the completion of your investigation and inform me of the outcome of your inquiry. Should you require further documentation or information to process this dispute, I am prepared to provide any necessary materials. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I took advantage of a 0 % balance transfer offer. I have been making my monthly payments as required. I have continued to use the card for miscellaneous monthly expenses. My monthly payments have been enough to cover the minimum payment due in addition to the monthly misc. charges and a large chunk of the balance transfer. The credit card company has been charging me interest every month on the miscellaneous monthly charges. It was my understanding that my payment amount would be applied first to the monthly minimum, then to the monthly charges, and than to the balance transfer. I should not be charged interest if I am paying those monthly charges in full each month. However, The bank will not credit me those interest fees.
Product: Credit reporting or other personal consumer reports

Capital One there is an account on my credit report that does not belong to me that was opened in XXXX. There are ( XXXX ) accounts that I have with you opened in XXXX and XXXX. My personal information was involved in a data breach years ago, and most recently. I have attached the breach results for your reference. The account XXXX should be removed from my credit report immediately.
Product: Debt collection

Hello, my name is XXXX XXXX, and I am contacting you today because I need the following information deleted from my credit les. I have listed the items in this report. I'm a victim of identity theft and I did not make this charge. They are reporting inaccurate and fraudulent credit information on my credit report. 

These accounts should not be furnished on my consumer report as they are in violation!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a Federal Protected Consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed below IMMEDIATELY. 

Fraudulent/Negative Accounts : Account Number : XXXX XXXX Account Opened : XX/XX/2017 Balance : {$3700.00}
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX XXXX, Experian. representative XXXX XXXX did have an eloquent conversation with XXXX. XXXX XXXX, After being questioned as to the reason for circumventing being treated as a Collection Agency, XXXX XXXX refused to Honor the presentment and has refused to block adverse information from XXXX  XXXX  profile. XXXX informed XXXX XXXX that the other two Credit Reporting Agencies have complied with Bureau requirements. Experian employee XXXX XXXX has refused to comply and is in dishonor of XXXX  XXXX  and thus XXXX XXXX and Experian are causing harm to the XXXX. 
An Involuntary Bankruptcy Proceeding is hereby commenced against Experian Employee / Agent XXXX XXXX who called on ( XX/XX/year> ) to deliver False and Deceptive Schemes and Artifices to Defraud in Furtherance of a Crime. 
By Refusing to Honor the Presentment, XXXX XXXX and Experian are in Violation - [ ] 1022.142 ( b ) ( 6 ) ( i ) as " victim determination '' and 1022.142 ( b ) ( 6 ) ( i ) as " identified adverse items of information '' to make it clear that " Trafficking documentation '' under section 605C consists of two components : victim determinations and identified adverse items of information.

- [ ] The Bureau does not believe that this provision of the TVPA conflicts with section 605C or the final rule since section 605C, among other things, does not require an official certification from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) in order to block adverse items of information from a consumer report that resulted from having been trafficked. 
Survivor Documents are a XXXX XXXX. The Bureau accepts this determination. XXXX XXXX does not. XXXX XXXX contends that it is XXXX position that they do not have to comply with regulation. 
Notary Public : A public XXXX whose function it is to administer oaths ; to attest and certify, by her or his hand and official seal, certain classes of documents, in order to give them credit and authenticity in foreign jurisdictions ; to take acknowledgements of deeds and other conveyances, and certify the same ; and to perform certain official acts, chiefly in commercial matters such as the protesting of notes and bills, the noting of foreign drafts, and XXXX protests in cases of loss or damage. One who is authorized by the State or Federal Government to administer oaths, and to attest to the authenticity of signatures. XXXX XXXX XXXX  XXXX XXXX an Experian Refuse to Honor my Presentment. An International Claim for Damages is hereby proclaimed and advanced. There was no remedy, so XXXX had to create his own. 
A XXXX XXXX has been tendered and refused and will now be authenticated. Your Silence is your acquiescence.