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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.
Product: Debt collection

My current credit report has a collection item from IC Systems XXXX XXXX XXXX XXXX XXXX MN XXXX Account XXXX Original creditor XXXX XXXX this account has been on my credit report as far back as a copy I have from XX/XX/XXXX. The date listed is XX/XX/XXXX as collection date. I disputed this item and won, this item was removed However it keeps reappearing on all XXXX credit reports. I would like to have this item removed permanently. I am trying to repair my credit is there is no need for this company to keep adding a false item to my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I made an online purchase for concert tickets which I never received. I am unable to contact the vendor and was also charged over {$900.00} to my account when the purchase price was just under {$400.00}. When I disputed the charge Capitol One entered the dispute as a cancellation. I did not cancel, the merchandise was never received
Product: Credit reporting or other personal consumer reports

I looked at my XXXX, Equifax, and XXXX credit report onXX/XX/2024, and still noticed XXXX, Equifax, and XXXX and is reporting incorrect/ inaccurate personal information. I sent letter regarding the inaccurate information. I contacted the companies to update my personal information. I am telling them to update or delete the incorrect personal information. XXXX, Equifax, and XXXX have failed to delete the items from my credit which cause XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. CODE 1681 e ( b ), 15USC 1681S-2 ( A ) & ( B ), and 15 USC 1681 1i ( 5 ) ( a ) ( i ) & ( ii ) these accounts are in violation of not reporting 100 % accurate. Here are the accounts : XXXX. XXXX delete immediately XXXX-delete immediately XXXX XXXX delete immediately XXXX delete immediately XXXX delete immediately XXXX XXXX XXXX delete immediately XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -delete immediately XXXX XXXX XXXX- delete immediately XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - delete immediately XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX  ) delete immediately XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) delete immediately XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) delete immediately I demand that the above accounts be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$2300.00} XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX {$510.00} XX/XX/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 XXXXXX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, RESIDENT VERIFY, XXXX, XXXX 15 U.S.C, 1681section 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. 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 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 have several accounts listed on my credit report that were not opened by me or authorized to be opened by someone else on behalf of my self. The creditors are XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. The amounts in dispute are {$1900.00}, XXXX, {$620.00}, {$3700.00}. These items have been previous disputed as fraud. Some were removed however they reappear under different purchasers. I would like for these items to be throughly investigated with proof showing these accounts were both opened and used by me. If this information can not be proven these items should be removed. Attached you will find a copy of a police report along with the case number filed in XXXX, Texas XXXX XXXX County.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - I have already filed a complaint with this website about these people. The complaint was recent, about a week ago. The company answered the complaint and I submitted feedback. Well alas, the problem continues. These people clearly do not comprehend what is happening. They called today, Thursday, XX/XX/XXXX, claiming that the call was to collect a debt for debt collection purposes. They continue to harass me, with this being the fourth call after I submitted the complaint. There is a statute of limitations in relation to this case. This debt is eleven years old, it started in 2007. XXXX continued to harass me for eleven years and then XXXX sold the debt to XXXX, who now continues to harass me. XXXX has stopped, at least for now. They seem to get it, at least for now. I clearly will never pay this debt - there is a law about it - its called the statute of limitations. So XXXX, get your act together and get off my back!!!! You are wasting your time!!!! If you continue to harass me, I will continue to file complaints!!!! GET A GRIP XXXX!!!! You must be going out of business and this is your effort to collect on an aged debt!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct this. I have received SEVERAL calls from XXXX XXXX  regarding this matter and STILL not resolution. ACTUALLY it is now WORSE. Spoke to someone Friday, they told me to dispute, spoke to another person the same day told me NOT to dispute that it would correct over the weekend feed? NOW today someone else calls from XXXX with no obvious knowledge of ANY calls and tells me it is ok now.? Well it is NOT, it is NOW worse. AND STILL SHOWS A BALANCE? What is going on here. Now it shows REPOSSESSION??? which was NOT there before ONLY EQUIFAX is showing this. I called them again today and they said XXXX sent them the information? And still a XXXX balance on my report. this has NOW cost me on my new car loan {$60.00} more per month because of this error/ Multiply that by 72 months ... .MORE THAN THE ORIGINAL AMOUNT EVEN OWED. Tired of the runaround and the false promises. I have tried to call XXXX ... 7 times today ... and have gotten NO WHERE. i want this resolved NOW ... .do i need to get legal representation to resolve this?? I want a CALL TODAY by XXXX.
Product: Checking or savings account

I don't need them to know about my issue. I've tried to tell them numerous times. They don't care. This involves a fraudulent charge. Potentially internally to Cash App kinda fraud. 
I guess I'll tell it 1 more time. 
There was a fraudulent gas station transaction on XX/XX/2023. 102 days ago. I was told it was an authorization hold and XXXX canceled it, returned my {$4.00} ( that did actually happen ) but they completely ignored the fact that a pending charge holds the amount in question from your available balance. So I technically still have it but I don't see it and can't spend it. 
All of my attempts to resolve this we're ignored as if I'm a silly ignorant person. I have sent screenshots. Chatted with " support '' over 40 times. Called the XXXX # and everyone there seems to blow it off and won't even confirm they see the same on their end. Its extremely frustrating to have to go to such extremes for such a petty amount. I wonder how many others are experiencing this and not reporting it. 
Oh their policy states that the maximum time a transaction should be pending is 10 days. Again... it's been 102 days today. Please help resolve this fairly. Thank you!
Product: Debt collection

THIS DEBT AMOUNT OF {$1200.00} IS INCORRECT, CREDIT LIMIT WAS {$700.00} AND WAS PAID, BUT THIS IS STILL SHOWING ON MY CREDIT REPORT CAUSING GREAT HARM TO MY CREDIT SCORE
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXXXXXX XXXX XXXX Balance : {$93.00} ; XXXX XXXX XXXX  Balance : {$3000.00} ; XXXX XXXX XXXX  Balance : {$190.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Checking or savings account

The scammer sent me a {$2900.00} Cashiers Check through mail and an offering of a XXXX XXXX XXXX job pledging to pay a {$300.00} for each survey made. He ordered me to deposite the check into my acount. I deposited the check on XX/XX/2020 and the bank cleared the check and posted the funds on my account on XX/XX/2020. The scammer was following and ordering me to do his job order with great impulse and warp speed. He asked me to check whether the funds are available in my account. I told the scammer the funds are available in my account. He order me to purchase a total of {$2600.00} gift cards and a {$25.00} Cashiers Check pable to XXXX XXXX. As per his order, I purchased a {$1000.00} XXXX and a {$1600.00} XXXX gift cards and a {$25.00} Cashiers Check. He order me to scratch the purchased gift card PIN number and take a picture and then send to him. Shortl I did all the scammers job order, the bank notified me as I overdrwan the funds and my account balnce is under XXXX. The scammer uses other phone number ( XXXX ) and name. Using his second phone number he sent me this message : Go ahead through XXXX and mail it to below information and make sure you put the receipt inside it okay Receiver 's Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX ... .... : XXXX XXXX ... ... : TX Zip Code ... : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am hereby requesting all above disclosures required by Federal Law. 


Yours Truly XXXX XXXX, XXXX XXXX All Rights Reserved )
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 USC1681. 

XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Debt collection

I believe that XXXX XXXX is erroneously reporting the amount of debt on my credit report and have added fees/ charges they are not entitled to receive, resulting in a higher balance for me. The account has been forwarded to a collection agency ( Spring Oaks Capital ) so is negatively impacting my credit. I've tried to pay a fair amount to settle the account ( {$600.00} ) but they won't accept it. I've called the collection agency multiple times and XXXX tells me they can't adjust the amount. I'm willing to settle for {$600.00} but I don't feel it's right to have to pay the extra charges they chose to add on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I am submitting this complaint to the XXXX, Equifax and XXXX Bureaus today to follow up my previous complaint I presented to them. I kindly remind the Credit Bureaus to please provide my request for inquiry removal with prompt cooperation and professionalism : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX 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: 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXXXXXX XXXX Account Number : XXXX and 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: Vehicle loan or lease

I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) and MERCEDES BENZ FINANCIAL SERVICES of my decision to revoke the security interest previously granted to MERCEDES BENZ FINANCIAL SERVICES concerning the vehicle described below. This letter serves as an official notice of revocation in accordance with relevant state laws and the terms outlined in the original security agreement. 

Vehicle Description : - Make and Model : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasons for Revocation : XXXX. Breach of Contract : MERCEDES BENZ FINANCIAL has failed to adhere to the terms of our agreement, specifically concerning failure to provide proper notice of repossession and improper handling of the security interest. 
2. Violation of Rights : Actions taken by MERCEDES BENZ FINANCIAL SERVICES, such as [ specific violations ], have infringed upon my legal rights under the Uniform Commercial Code ( UCC ) and other applicable laws. 
3. Compliance with UCC : According to UCC 9-210, as a debtor, I am entitled to request an accounting and revoke the security interest if the terms of the contract are violated.

Legal Basis : - UCC 9-210 : This provision allows a debtor to revoke the security interest and request an accounting if the secured party has not complied with the contractual obligations.

- State Law Compliance : This revocation is made pursuant to the terms outlined in the original security agreement and in accordance with the relevant state laws governing such documents.

Conclusion : Please consider this letter as a formal complaint and demand for the revocation of the security interest held by MERCEDES BENZ FINANCIAL SERVICES. I trust that the CFPB will take the necessary steps to ensure compliance with the law and protect my consumer rights. 

Should you require any further information or documentation, please do not hesitate to contact me at XXXX. 

Thank you for your prompt attention to this matter.
Product: Debt collection

received a fraudulent letter that did not go through the post office mail demanding money / federal reserve notes ( debt notes ) i called XXXX ( XXXX ) XXXX and spoke with XXXX XXXX and I was trying to figure out how they got my private information. she said that her client/ the tribunal gave them my information. I did not give any of these corporate fictions my information. You only summons the dead!!!!!!! 

I am living! These persons have threated me, that if I do not pay them that they will put in jail. where is the certified copy of the contract? 

I am in fear of my life!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX how can a attorney be a JUDGE!!! 
there are 2 entities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please forward to all REGULATORS They are involved in deceptive practices and are embezzling from the people. 

and also send to the inspector general for mail fraud TAXATION, fraud. securities fraud, Identity theft, Embezzlement They are professional thieves.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

During the COVID-19 Pandemic In XX/XX/2020 I notified XXXX XXXXXXXX XXXX XXXX XXXXXXXX that I would be vacating the property. I emailed a 60 day noticed to vacate to the property manger as well as dropped a copy of the letter in the office drop box. Because of the Pandemic the apartment office was closed, as well as much of the world was placed on quarantine. I vacated the property before XX/XX/2020. In XXXX of XXXX I was received a phone call from a new property manager regarding past due rental charges for XXXX and XXXX. I informed the manager that I no longer lived there, and that the previous managers were notified. The new manager stated that she had no knowledge that I had vacated the premises, she could not find the hard copy of my notice. I informed her the letter was also emailed. 
After checking the property manager email she found a copy of my letter. But I was told that emailed notices were not acceptable, and I needed to pay the charges accrued. I tried to resolve the issue unsuccessfully. XXXX XXXX XXXX XXXX XXXX sold this fraudulent debt to a debt collector, Columbia debt recovery LLC DBA Genesis, who has reported these fraudulent charges to the credit bureaus. I was contacted by debt collection agency requesting payment of {$3600.00}. I tried to dispute the charges, and informed the debt collection agency that the charges were fraudulent. They informed me that the debt was purchased from the XXXXXXXX XXXX XXXX  and was considered accurate. My credit report and credit score has been damaged due to The Covid-19 pandemic, causing an abrupt global quarantine, an unprecedented event which ultimately resulted in this error.
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 the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX  Opened : XXXX XXXXXXXX XXXX  Balance : {$93.00}.
Product: Checking or savings account

I was just checking my savings account on my app and I noticed they charged me a {$5.00} fee. I scrolled down and saw they had done that for the past 10 months. That is not acceptable, I always kept {$100.00} minimun in there because I was told there would be no fee, so I never checked their fees they have been charging me. I have another savings account and had I known Chase was doing this I would have cancelled my account. I was not charged a fee prior to this and I was not notified I would be being charged. This is deceitful prectice I want my {$50.00} returned. As soon as I set up a new transfer for direct deposit I will be closing all my accounts. Shame on them stealing from customers a big bank.