23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XXXX, XXXX  OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Equifax : XXXX XXXXXXXX XXXX [ Account number XXXX XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : XXXX XXXX and XXXX Midland Credit Management I am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX consumer report : Dispute : Account Number or other information to identify account : XXXX {$920.00} XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Explanation of item being disputed : On or around XX/XX/XXXX, I initiated a purchase through XXXX for a daybed. When I received the daybed, I was not able to piece it together as different parts of different sets were sent. 

The smell coming off the set was also intolerable. It smelled like dead animal. 

I phoned the company and spoke with a customer service representative about the process for returning the furniture, as I was not able to piece the bed together or decontaminate from the horrid smell. I was advised to throw away or donate the pieces. I was assured no fees would be charged to my account. ( Ultimately the whole mismatched set had to be thrown away. ) Included are photos of the different pieces that were sent. 

I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate and verifiable and you must complete this investigation within 30 days of receipt of this letter. 

I am promised accuracy in my credit report based on federal law. Under 15USC-1681 all unverified or incorrect information must be promptly removed-within 30 days of receipt of this letter. 

After you have finished my request, send me a copy of my credit report reflecting PERMANENT removal from my report. Update payment history to be paid as agreed, never late, and in good standing. 

Thank you for your assistance.
Product: Debt collection

After reviewing my credit reports, I found an excessive amount of medical collections on all 3 of my credit reports. These collections do not belong to me.
Product: Debt collection

SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME FRAUDULENTLY : USAA SAVINGS BANK # XXXX OPENED : XX/XX/2015 AMOUNT. {$6000.00} I HAVE ENCLOSED A POLICE REPORT AND ID THEFT REPORT.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, FCRA Section 6:05 B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. Thank you! Some of these items and also from closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XX/XX/XXXX CAPITAL ONE AUTO FINANCE XX/XX/XXXX
Product: Checking or savings account

On XXXX XX/XX/2023, I was trying to open Bank of america business checking account with {$200.00} cash back bonus. Even when I already have an existing relationship with Bank of america ( credit cards ) -I need to fill up the form all over again. 
After submitting, it gave me the status that they are going to review it. 
Today on XXXX XX/XX/2023, I got a rejection letter? Why it is rejected - no reason provided? Called Bank of America- after multiple transfers - call was dropped.
Product: Debt collection

I had made a purchase of aligners from XXXX XXXX XXXX, in XX/XX/year>, to be paid in monthly installments, until total of {$2500.00}. However, the aligners were faulty, and by XXXX, i had already submitted a claim for new ones. The process for new ones was begun in XXXX, but delayed for months. After months of fail, I began the process for cancellation and refund. During the process, XXXX went bankrupt. So far I have paid {$870.00}. 

I have been receiving calls from a company called HFD, where they have made fraudulent claims over the phone claiming to be the creditor. My contract explicitly states Relationship of Parties. Buyer acknowledges and agrees that HFD is not a lender but rather the payment processing service provider of Provider ( XXXX  ). This leaves them without the legal right to continue collecting payments on a contract XXXX  actions have voided. 

The HFD has threatened to send me collections, regardless of having no claim to the payment.
Product: Debt collection

Just received a letter that I have a debt collection for {XXXX} from XXXX XXXX with the letter head mentioning the reference date of XX/XX/2022. The debt is from XXXX/XXXX/XXXX. I never had any contract, bill, service with XXXX XXXX. Do not know where this debt came from.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX states they retain ownership of Account Name # XXXX If this is factual who is Fair Collections & Outsourcing , Inc . I have no contract with this institution and FCO is illegally reporting private information on my consumer report without my permission or consent. Under 15 USC 6801 Protection of nonpublic personal information by way of 6801 ( a ) Privacy Obligation Policy. XXXX XXXX XXXX XXXXXXXX has fail to protect my privacy. 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. 
Under 15 USC 6802 obligations with respect to disclosures of personal information according to 6802 ( a ) Notice Requirements except as otherwise provided in this subchapter, a finical institution ( Greens at Nutters Chapel ) may not directly or through any affiliate, disclose to a nonaffiliated third party ( FCO ) any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
Disclosure of Institution Privacy Policy. 
I was never given the option to opt out by XXXX XXXX XXXX XXXX who disclose my nonpublic personal information to ( FCO ). According to section 1681s-3 of 15 US Code 1681 a " Definitions ; rules of construction Congress states that reports should only contain information soley as to transactions or experiences between the consumer ( XXXX XXXX and the person making the report ( XXXX XXXX XXXX XXXX ) I have asked that ( FCO ) cease and desist reporting my information unless they are able to provide ( A ) clear and conspicuously discloses from XXXX XXXX , in writing or in electronic form or other form permitted by the regulations prescribed under 6804 of this title that such information may be disclosed to such third party. ( B ) Please show where XXXX XXXX was given the opportunity, before the time that such information is initially disclosed to such third party; and ( C ) Please show where XXXX was given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Mrs associates damaged/threatened my credit score by making false statements/accusations of false debt owed. On more than one occasion. This interfered my ability to obtain a home a car and employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the accounts completely from my Credit Report XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. ( These are all account numbers stated on XXXX and they read : XXXX XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX XXXX BANK account number : XXXX & XXXX XXXX account number : XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XX/XX/XXXX, My son called property manager of apartment complex to get Security Deposit, leasing agent told him we owe money. The keys to the apartment was returned on XX/XX/XXXX. XX/XX/XXXX the collection agency sent my son an email stating that we owed {$7100.00}, I did not receive an email and I am the primary signer on the lease. The email did not state my rights to dispute or that I had 30 days to dispute, as state I did not received notification by mail. In the invoice there was a list of charge There was a list of charges with no explanation which months rent and expenses are collected/owed. The line items with amounts that are not factual and the write off Charges do not have description just numbers/amounts with negative or positive signs. The line items must have a description to determine the validity of the amounts, there are number but the same amount has a different number ( {$2200.00}, has XXXX, XXXX, XXXX ) which listed in one area as based rent ; this item must always have the same number code assigned even if different month. Utilities cost more for 20 days than entire month. Rent amount is {$1800.00} which included trash pick up, water, insurance. 
Sewer is billed from an outside company at rate of approximately {$50.00}. 
Water cost more for 20 days than for 30 days This debt is fraudulent, the apartment complex received payment as stated in the judgment issued XX/XX/XXXX and it was for five days of rent. No court filing were made after XX/XX/XXXX. 
GENESIS CREDIT MANAGEMENT LLC, has this amount as owing rent and is listed when my name is search on the internet, which lead to myself and my son not being able to rent an apartment with this collection on my credit report. Genesis Credit did not file any legal complaint against me or my son which violates FRCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to verify and validate the debt being reported on my credit file it was unsuccessful. The information is being incorrectly reported and they havent responded nor validated/verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this account multiple times. This is not my account. In accordance with the Fair Credit Reporting act ASSETCARE LLC has violated my rights. This account was opened XX/XX/2021 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 I have never received a validation letter. Could you please investigate this account properly?
Product: Credit reporting, credit repair services, or other personal consumer reports

My latest credit report ( XX/XX/XXXX ) indicates a hard inquiry by " BRCLYSBANKDE '' ( XX/XX/XXXX ) and " XXXX '' ( XX/XX/XXXX ). It is my understanding this is XXXX XXXX and its affiliated companies and XXXX and its affiliated companies. 

For the record, I have not done business with any of these companies. I have not made a request for credit with any of your companies. I do not understand why these businesses would place a hard inquiry on my credit report. 

I would certainly be interested in an explanation by the Banks or businesses that placed this hard inquiry ; otherwise, I request that this hard inquiry be removed. 

I have mailed out similar complaint directly to the company.
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX XXXX. 
Your Address : XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXX Experian, or XXXX XXXX : XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY. FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681| ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX XXXX.
Product: Checking or savings account

I called Bank of America back in XXXX 2023, to report I received a bank card that was issued to me the problem was it wasnt my address and I didnt open the account. I explained this to them and their fraud department, they claimed the account was open online and based on the transactions it was definitely opened fraudulently. Today XX/XX/2023, I was given another piece of mail containing a bank statement from Bank of America again my name but wrong address. I called again. I was told there is a case open and its under investigation but they REFUSE to close the account until I provide them with a copy of my ID as well as other personal information such as my social security number, address, etc All the transactions were made out of state and most through an app called XXXX. I dont know how they could open an account online without an ID but wont close it unless I provide them with my personal information ( which if it was an actual account they would already have it ). When I asked to speak to a supervisor at Bank of America I was denied! I have spoke to BOA and there fraud department and I cant seem to get anywhere without giving them personal info. I have no credit cards, loans with them or bank accounts. I just want the account closed its affecting my life!
Product: Consumer Loan

I am a XXXX year XXXX mom who has been driving for one year. I needed a car so that I could get to and from my full-time job. I found a used car dealer who also has financing. When I went to the dealer I was alone and thought I had enough basic knowledge about purchasing a used car. Well, after high pressure sales tactics I drove the car home. The very next day I went back to the dealer to return the car. They laughed and said that I could not return the car or get out of the contract. Worst part is they reminded me that if I do not make the payments they have a device on the car that shuts the engine off while driving. This seems so wrong on many counts. No XXXX else that bought a car has this device on the car. My credit was not even that risky it is just that I was only interested in a late model car, which new car dealerships do n't offer. What a scam. I purchased a 2004 chevy with XXXX miles on it that was only worth less than {$2000.00} for {$19000.00}. I gave {$800.00} as a down payment and they also forced me to buy an extended warranty that does not cover anything that broke on the car while I have owned it. The car has had many breakdowns including the brake lines breaking with my baby in car, along with a rats nest in the engine. The dealer claimed to complete a full all points ( XXXX ) inspection prior when the mechanic said all the breakdowns should have been corrected with an inspection. My payments are {$200.00} biweekly and if I am even late XXXX day they shut off the car engine by remote control. PLEASE HELP ME. I believe what I have repaired and paid for this car exceeds what anyone should have paid. I wish to either have my money returned or keep the car and owe nothing. Thank you for you time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, both credit agencies consistently respond within 24 hours stating that the account is accurate without providing proof of a substantial investigation. This practice violates the Fair Credit Reporting Act which mandates a reasonable investigation of all disputes. I request that the CFPB take action to ensure that XXXX and XXXX comply with the law and provide consumers with necessary proof of investigation. Account names are as listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company failed to furnish debt validation letter including Amount of the debt The name of the creditor Details about the original creditor Company License numbers and registered agent Account number The age of the debt The amount owed Proof i owe the debt
Product: Credit card

Related to complaint XXXX. Company called today, offering for a further review of credit line. When I asked what affected the company decreasing credit line by half to begin with, the " Executive '' stated that my " payment was low on one or more accounts ''. I asked what that meant ; she refused to answer and said that this was a company-provided response. She could not provide me with anyone else to speak with to tell me what it meant. She confirmed that all payments have been made on-time, and minimum payment or higher was made each month. When I stated that " payment was low on one or more accounts '' is not a determining factor on my XXXX XXXX, she again stated that this was a company-provided response. 

CitiBank is making their own determining factors when deciding credit. The related complaint shows that this card has only been open for a few months ; all payments have been made on time, and minimum-due or higher has been paid ; the card never went past 50 % utilization. The " executive '' I spoke to said Citi uses their own numerical factoring with their own metrics to determine credit scoring. This is not public, nor is it known to the public ; this was only shared with me after filing complaint XXXX and waiting for someone to call. 

There are real concerns for the consumer with what Citi is doing. They approved a credit line of one amount; dropped it to only allowing for {$70.00} on the line ; then stated that it was due to " payment was low on one or more accounts '' ; then stated I would need another soft credit pull in order for it to be reviewed. This " executive '' also stated that she knew the determining credit factors, and that the " payment was low ... '' statement was also a company-provided response, despite how logical it may be for a consumer to turn to published factors that determine credit.
Product: Money transfer, virtual currency, or money service

I opened a Coinbase account ( https : //www.coinbase.com/ ) Date : Fri, XX/XX/XXXX XXXX XXXX and have been using it. 

Today, XXXX, I went to my account and the $ XXXX I had in there is gone and it shows a zero balance with no explanation. 

There really is no " customer support ''. I locked down my account as it was the only option available, but I don't think anyone broke into my account ( with 2 factor security ), no I think Coinbase just stole all my money!