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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error on my EQUIFAX credit report. After reviewing the report, I have noticed that my name is spelled incorrectly for the entire report. The correct spelling of my name is XXXX XXXX, but it appears on the report as [ XXXX XXXX ]. 
Details of the error : - Incorrect Name : [ XXXX XXXX ] on the entire report - Correct Name : [ XXXX XXXX ] I believe this error may be violating the Fair Credit Reporting Act ( FCRA ), Section 611, which requires consumer reporting agencies to ensure the accuracy of the information reported and to investigate disputed items. This discrepancy could adversely impact my creditworthiness and financial standing. 
I request that you promptly investigate this matter in accordance with the FCRA and correct the spelling of my name on my credit report. 
I also request that you provide me with a written confirmation of the correction made to my credit report once the investigation is complete, as required by law. 
Please treat this matter with urgency, as the accuracy of my credit report is crucial to my financial well-being. 
Thank you for your prompt attention to this matter. I look forward to the resolution of this dispute.
Product: Credit reporting or other personal consumer reports

And accordance with the fair credit reporting act the list of accounts below has violated my XXXX protected consumer rights to privacy and confidentiality under 15 USC 16 81. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2. It is also state. A consumers reporting agency can not furnish an account without my reading instructions.

15 1681C A5 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 conviction of crimes which dates the report by more than seven years.

15 USC 1681S two a one a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable calls to believe that the information is incorrect. Account number.
Product: Credit card or prepaid card

Under the fair credit billing act the creditor must i have requested proof and clarification of charges in dispute, an addition to my balance which cause is yet to be displayed. I have not received written statements for my credit cards until the most recent billing statement. However, on two of my cards the balance increased without evidence of the charges made. Meaning USAA violated the time frame allowed by law to finalize billing disputes and reversed a decision it made over 12 months prior. However, these reversals are not  explained or shown on any statements. Since USAA restricted my online access I have been unable to get an accurate understanding of how much was charged back. Furthermore, I re-established my dispute of these charge backs as well as a few other billing disputes but have yet to receive written acknowledgement of these disputes. <P/>Seeing as there has been no clear or detailed explanation of how my current balance came to be, and USAA in a response to several CFPB complaints informed me they found me responsible for under {$2000.00} in previous charges, it is unclear why my statements have risen by over {$6000.00}. <P/><P/>I have made over a dozen requests and filed several complaints with the CFPB with this request and refusal of USAA to provider documentation to support the increased balances, explain the charges, verify charges previously disputed and found in my favor, all the investigation results and accurately depict my balance. These have all gone unheard. Thus, I have no way to pay my credit card bills seeing as I have not received accurate or detailed statements. USAA has failed to properly reflect charges or payments to my credit accounts.
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/DOFED # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : US BKPT CT XXXX XXXXXXXX XXXX XXXXXXXX 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: Money transfer, virtual currency, or money service

I contacted the person on instagram about buying shoes for XXXX and sent the money over through venmo its been almost XXXX weeks and i have received nothing and when i asked when they would be delivered he blocked me, if needed i can screenshot XXXX  XXXX  and my venmo payment to this person. As of now i just checked our XXXX  XXXX  and he deleted every text he sent me for this order
Product: Credit card

See the attached file for confirmation of payment dates. 

On XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX  On the dates listed above I made payments on the account for the amounts listed in the attached document. Each time I have submitted those payments 2 days later I am charged a duplicate payment when only have submitted one online. This is supported by the fact I never received a confirmation email on the second payment. I have one account that I used to pay my bill, and on two of the charges I do not have enough in that account to pay the bill twice because I only transfer what is necessary for the payment. On the second payment the charge is declined and I am assessed a fee for the payment returning. 

This is fraud. And I have called multiple times to have this resolved, the last time being today ( XXXX ) and explained my situation. I spoke with an agent who advised I made 2 payments, when I know I did not and the lack of a confirmation email on the second backs up this claim. I asked to be transferred to a manager and upon transfer was hung up on. 

I expect not to be charged this fee and not have this happen again when I make a payment. If I have to contact my ISP and get my Internet usage history, the full detailed breakdown and get an attorney, I will do so and also be looking into time spent working on this issue, financial burden and being defrauded. 

I also hope the CFPB will look into this for fraudulent activity as well and take action. This has only occurred since Concora Credit has taken over Milestone and I've also had this issue on my Destiny and Indigo accounts, which are both serviced by Concora as well. If I have to file a separate complaint for those companies as well I will do so.
Product: Debt collection

After paying off a debt to XXXX in the amount of XXXX which I don't believe I owed to begin with, a scam artist collection company called XXXX I believe kept sending me the XXXX bill through collection letters until LIKE AN XXXX I sent this XXXX XXXX collector my original paid in full receipt which they miraculously didn't recieve, HOWEVER it completely disappeared on my credit reports but NOW they just reported it AGAIN XX/XX/XXXX as open and unpaid. This is MafiXXXX type extortion and my credit was finally after years well over the XXXX mark, 100 % on time payment history for 5 years! And these extortionists are ruining my credit again. I need your help PLEASE. I read online this particular collection agency is constantly in legal trouble for trying to collect paid debts, then I heard XXXX XXXX mention them just last week on his show for deceptive practices. Please help, I take pride in my score and it's being ruined by criminals.
Product: Debt collection

Had Medicaid insurance. Medicaid stated they only have three months to submit claim. We gave them all of the information. At one point this company had four different collections on my credit report that were not correct. They were all removed and now a year and a half later one has popped back up
Product: Credit card

I attempted to purchase a home from this company XXXX XXXX. The loan was denied and an adverse action letter was sent out. I sent the letter and informed them the transaction was closed. The company XXXX XXXX did not refund the XXXX money. I disputed the transaction and the M & T bank then had me indorse a Claim form. 

According to the rules, there is a fifty ( {$50.00} ) dollar fee that a consumer is liable for on any transaction that they have tried in good faith to work out with a merchant. M & T bank has not dispersed the balance of ( {$5000.00} - {$50.00} = {$4900.00} ) XXXX XXXX XXXX XXXX XXXX  XXXX dollars. 

All real estate contracts contain a financing contingency clause because of Regulation Z. 
Which is information the bank should be aware of and the second all transactions with XXXX contain a clause for where the card is used as a XXXX  and the good faith clause is applied. 

They have taken money twice I believe in this transaction and the claim form also contains a LEI number and a FRB bar code so I am positive the funds were dispersed.
Product: Checking or savings account

Wells Fargo would overcharge me fees and lead me to closing my account because I wouldn't put anymore money in my account for them to take.
Product: Credit reporting or other personal consumer reports

This will make the XXXX time asking Transunion XXXX and XXXX to remove this fraudulent items from my report. I never had any account with the following leanders XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX Inquire : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my under reference XXXX  XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Debt collection

The company gc service is saying that I have to pay XXXX that They are collecting for XXXX XXXX I never receive a notification of the amount I owe from the company nor have they made any contact with me I had seen they information on my credit report I try several times to contact this company and no one has answered me I do not owe XXXX nor do I owe XXXX I would like them to remove them self off my credit report nor have I gotten any bill From XXXX I would like all charges drop from my report right away
Product: Debt collection

From What I can tell. XXXX XXXX is the origianal creditor. I do not have or never have had a XXXX XXXX Account. 

I disputed a collection account with XXXX XXXX a company that XXXX XXXX Sold my information to and it was promptly removed. Now I have another blemish on my credit from Receivables Performance for the same amount and the Same original creditor. 

This issue is causing me to loose business and causing me to also loose business because of the defamation. 

I want this removed from my credit file immediately or I will sue this company myself.
Product: Debt collection

NCC Business Services, INC has failed to validate this alleged debt but has continued to report it to XXXX, XXXX and XXXX. This is a direct violation of FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding accounts that have been mistakenly attributed to my credit file. In that letter, I requested that Equifax verify the accuracy of these accounts, as I am unfamiliar with the listed companies and believe they may belong to an individual with a similar name. Unfortunately, I have not received any response from your company. 
For your reference, the accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As previously mentioned, these accounts do not belong to me, and I am concerned that this error is negatively impacting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a response letter from SAGESTREAM that stated that they will not grant my request to OPT-OUT of their services. I have asked in written notice in accordance with the law ( 15 U.S.C 6801 ) for SageStream to : 1. CEASE & DESIST collecting, selling and sharing my personal information and providing my information to third party affilliates.-SageStream refused 2. I have chosen to OPT-OUT of their information selling and sharing platform-SageStream refused 3. Provide me with a complete printed copy of their collection on my personal information-SageStream refused. As a consumer my rights in regards to the sharing and selling of my information continue to be violated by this company. I DO NOT CONSENT to the collection, selling, and sharing of my personal information by SageStream or any of its third party affiliates. As the consumer, you can only share information that I allow you to with my consent. At this time Sagestream is in direct violation of my rights as a federally protected consumer under title 15 chapter 41.
Product: Student loan

I've been calling Mohela since XX/XX/2022 to check the status of my loan forgiveness. 

On XXXX XXXX they stated that they doing have any of my information from XXXX. 

Called XXXX XXXX they stated that they still haven't received my information from XXXX. I have 120 payment and I'm eligible for XXXX. 

Submitted another employment verification just to make sure before the XX/XX/XXXX deadline. 

Called in XX/XX/2022. I waited for 5 hours on the phone for someone to say what I already knew. They stated that I've met all requirements for XXXX and they don't know when my loans will be forgiven. 

I qualified for loan forgiveness back in XX/XX/2022 when my loans were with XXXX.
Product: Student loan

I have been paying extra with each monthly payment for 4 years. Instead of applying the extra to my principal, they apply it to my next month 's payment, so I am still accruing the higher interest. So in 4 years I have paid over {$16000.00} on my {$29000.00} student loans, but still owe {$23000.00}. 
They also changed my XXXX grants into loans and told me it was because I missed a deadline. I never knew of the deadline.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my Equifax credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my credit report, I found items that are either inaccurately reported, unverified, or fraudulent. As the FCRA mandates that credit reporting agencies report only accurate information, I request that these items be investigated and, if necessary, removed. 
Inaccurate Items to Dispute : 1. XXXX XXXX XXXX ( Account # XXXX  and # XXXX ) - Status : Updated, but discrepancies exist across reports. Please verify or remove. 
2. XXXX XXXX XXXX ( Account # XXXX ) - Status : Updated, with discrepancies across credit bureaus. Remove if not fully accurate. 
3. XXXX XXXX ( Account # XXXX ) - Status : Updated, but discrepancies found across reports. Please verify or delete. 
4. Hard Inquiries - I have identified several hard inquiries on my Equifax report that were not authorized. Please investigate and remove any inquiries not verifiable by Equifax. 
Personal Information Update Request : Additionally, I request that only my primary address and name be associated with this report : - Name : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And 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. '' I demand my late payment ( s ) be updated to paid on time according to these U.S. laws.
Product: Credit card

I applied for Chase freedom Unlimited credit card and was denied. Upon denial I contacted Chase, I spoke with a representative that told me I was denied because of my credit score and more information would be sent by mail. I received a notice by mail stating the same thing, that I was being denied due my credit score. I then sent Chase an adverse action letter and a notice of default/ opportunity to cure and they have now defaulted. The silence from Chase is XXXX.
Product: Consumer Loan

I BUY DEALER CHOICE IN XXXX CA I TEST DRIVE THEY KNOW ABOUT IT I TEST FRONT SHAKING THINK TIRE I PUT DOWN XXXX AND DEALER PUT DOWN XXXX I ASL FPR WARRTY HE SAY WAIT FINISH SIGEN ALL PAPER LAST MIN ( ASIS ) SHOCK HE SAY NO WORRIED BRING CAR I DID FEW TIME NEVER DID FOOLISH ME I WENT TO SHOP FOUND OUT FRONT FRAME DAMAGE AXLE IFEW DAYS I GO OTHER SHOP FOUR SAME STORY TOLD ME TAKE CAR BACK I DID HE REFUSE TRADE OR MONEY BACK I CANT HEAR WHEN COME OFF U ALL CAN HEAR NOT ME I DO RISK DRIVE PO [ P AND STOP HARD RUN OVER YELLOW LIGHT I CANT STOP LAST MIN BRAKE BAD, COST OALOT XXXX TO XXXX DOLLAR NO WAY I WANT MONEY BACK I TRYING TO GET LOOAN CANT HARD BEFORE TOO LATER KEEP DRIVING HAVE ALREADY CRACK THANK U I DID CALL LET THEM KNOW ABOUT CAR BAD .CREDIET ACCPTANCE MY PAYMENT THEY CANT HEKP ME. I DID CATCH UP PAYMENT WHEN CAR PLMS FIX I AM SO TIRED FOUND OUT FRONT FRAME DAMAGE I NED YUR HELP
Product: Mortgage

I would like to change the way I pay insurance and property taxes and I have been trying to get in touch with Truist for over a week now. The call wait times to speak to a representative about this have exceeded 60 minutes every single time. Not once have I been put through to talk to someone even after having waiting on the phone for over an hour. This is unacceptable and not consumer friendly behavior. As a homeowner, I should have the option to change my options in a reasonable manner with reasonable effort. I do no believe Truist has served it's consumers with this expectation. There is no other way to contact them without a visit to a branch.