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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account # XXXX XXXX XXXX Account name : XXXX XXXX  Account # : XXXX XXXX Account name : XXXX XXXX  Account # : XXXX XXXX Account name : XXXX  XXXX, Account # : XXXX XXXX Account name : XXXXXXXX XXXX XXXX  Account # : XXXX XXXX Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX, Account # : XXXX XXXX Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX  XXXX, Account # : XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX Account # : XXXX XXXX Account name : XXXX, Account # : XXXX XXXX Account name : DEPT OF EDXXXX, Account # : XXXX XXXX Account name : U S DEPARTMENT OF EDU XXXX, Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account # : XXXX XXXX Account name : XXXX XXXX XXXX  Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

15 U.S.C. 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX, I am writing to dispute inaccurate information on my credit report. I have reviewed my credit report, and I found the following account this which is not mine that I would like to have investigated and to have the account deleted : Account Name : Capital One Auto Finance Account Number : XXXX Type of Account : Auto Loan Balance : {$9600.00} The information reported on my credit file is inaccurate. Specifically : The account status is listed as In Collections/Charge-off with remarks stating Charged off as bad debt ; dispute resolved ; reported by grantor. 
The balance still reflects {$9600.00}, even though the account has been closed since XX/XX/XXXX, and no further payment activity is indicated. 

I am requesting the following : 1. Verification of the balance and payment status of this account.

2. Removal of any incorrect information if the creditor can not verify the accuracy of the account.

15 U.S.C. 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that governs how debt collectors communicate with consumers which have been done without my consent. 

Please investigate this matter and update my credit report accordingly. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days. Please notify me of the outcome of your investigation and provide documentation to verify the accuracy of the information. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

i am in the middle of a loss madigation approval and during this time i can not make payments for the loan until the loss madigation is completed, and they went ahead and files on my credit report that I'm late
Product: Credit reporting, credit repair services, or other personal consumer reports

CITI CREDIT CARD They closed my account had over XXXX in points with the account paid all my balance on time dont even know why they did that tired calling them no answer they citi representative said send you a letter never did in the first place they jest closed my credit card account
Product: Money transfer, virtual currency, or money service

Subject : Urgent Complaint Against INGO Money for Unfair Practices and Monopolistic Abuse To Whom It May Concern : I am reaching out in frustration and dismay regarding INGO Money, a company that has not only monopolized the mobile check cashing market but has also unjustly targeted me as a consumer. I feel powerless and wronged, and I believe its time for the Consumer Financial Protection Bureau to intervene. 

My Experience : Monopolistic Control : INGO Money 's dominance in the mobile check cashing market has left me with virtually no alternatives. They have a stranglehold on this essential service, which puts consumers like myself at their mercy. When a company holds this much power, there is a responsibility to act fairly and transparently. INGO Money has done neither. 

Unjust and Unexplained Ban : Without any warning or explanation, I was abruptly banned from using INGO Moneys services. This has left me stranded, unable to access a service I depend on. When I sought answers, I was met with silence. No one at INGO Money has been willing to explain why this ban was imposed or what, if anything, I can do to resolve it. Its as if they dont care that their decisions have real, negative impacts on peoples lives.

Dismissive and Disrespectful Customer Service : My attempts to resolve this issue have been met with nothing but disdain. Representatives have hung up on me, treating my legitimate concerns as if they were inconsequential. This kind of treatment is not only unprofessional but downright degrading. It feels as though INGO Money is using its power to silence me and others who dare to question them.

Denial of Essential Services : Being cut off from INGO Moneys service without reason feels like a targeted attack. I am being denied access to a financial service that they have near-total control over, and I am left with no recourse. This is not just about one consumers inconvenienceits about a company abusing its power at the expense of the people its supposed to serve. 

I urge the Consumer Financial Protection Bureau to take a close look at INGO Moneys practices. There is something deeply wrong when a company can monopolize a market and then arbitrarily decide who gets to access its services without any transparency or accountability. I am asking for your help, not just for myself, but for all consumers who may be suffering in silence under this companys unchecked power. 

Thank you for your time and consideration. I sincerely hope that you will investigate this matter thoroughly and take the necessary steps to ensure that INGO Money is held accountable for its actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ( Original Creditor : ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX  and Transunion data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS AND INQUIRIES THAT ARE DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE. I DID NOT AUTHORIZED THOSE TRANSACTIONS TO BE REPORTED ON MY CREDIT, THESE ACCOUNTS WERE INACCURATELY PLACED. I ASKED THAT YOU CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS AND INQUIRIES PURGED OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX  XXXX and I have recently been a victim of identity theft. Someone stole and fraudulently applied for lines of credit with credit grantors without me knowing. the following accounts are a result of the identity theft. 
XXXX Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$0.00} US DEPT OF EDXXXX XXXX XX/XX/XXXX XXXX {$210000.00} US DEPT OF EDXXXX Opened XX/XX/XXXX XXXX {$240000.00}.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Debt collection

I have made contact with the company XX/XX/2020 to see what this information is in regards. I have been informed by the rep this is a credit card. I have informed the rep that I never owned XXXX credit card and the rep stated that I was a liar. I have requested the documentation with a copy of the application, copy of my license, and a validation letter but never received the information. The rep informed me that I will be sued if I dont pay the balance in full. The rep mentioned to contact my place of employment which I have asked her the name of my place of employment and she wouldnt tell me. The rep also mentioned that I was an abusive retail liar and hung up the phone after I have asked for her to repeat her name. How do I go by getting the help to report this information and should I seek legal action against the company. LVNV Funding have terrorized my life with the verbal abuse.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I have no idea how they got there. I check my credit regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the incorrect accounts were still there. Im begging for the documents Ive sent to be reviewed carefully so I can stop living with this constant anxiety.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

I have student loan debt from attending  XXXX school XXXX XXXXXXXX  XXXX XXXX XXXX and XXXX University. I have been practicing as a XXXX XXXX XXXX XXXX since XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to my student loan debt of {$54000.00} being reported by XXXX to Equifax, XXXX, and XXXX, I am not able to purchase a home or consolidate my debt because my debt to income ratio, is too high. My student loans are in good standing which should be a positive rating, deflected on my credit report ; however, it is not and as a result I am being discriminated, against when attempting to buy a home. I feel this is unjust, unfair treatment to receive especially when I am a XXXX XXXX I am an essential personnel within the XXXX XXXX I sacrifice my love for my job and have to rent an apartment in an urban community because of my student loan debt being reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i wrote Capital One a XXXX letter asking for forgiveness for missing a payment due to the Covid-19 Pandemic in exchange for never missing a payment again. 

I explained that i lost funds and lost of income due to the Covid-19 disaster, also that was going to need my payment history up to apply for a better credit card to prepare for a custody battle. 

It has been 6 Months an i kept my promise to never miss a payment again, Capital One is the only missed payment i have on my credit report. all i ask for is another chance to have my payment history back to XXXX percent.
Product: Credit reporting or other personal consumer reports

Some of the accounts on my credit report are unrecognizable. These accounts need to be removed since we are unaware of their existence. Identity theft has occurred to me. This letter lists all accounts that are unfamiliar to me. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. Herewith, I respectfully request the removal of the items listed. It would be greatly appreciated if your team could assist me in advance.
Product: Debt collection

XXXX XXXX debt of {$2300.00} was paid a year and half ago with the agreement that it would removed in 30 days. XXXX personally called, we signed a legal agreement and took my payment of {$2300.00} payment over the phone. The agreement clearly stated they as a representative of Bilateral Credit Corp, LLC they would remove this debt from all XXXX credit bureaus in 30days. I have a called XXXX and XXXX more they XXXX times with no response. 

Every month when I pull my credit report it shows they debt has not been removed, that I still owe the full amount and they I am now 3 months late. 

This is my last attempt to escalate this before I take legally action.
Product: Credit card

I believe the account is invalid. SPRINGOAKCAPACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.SPRINGOAKCAP XXXX
Product: Vehicle loan or lease

I am writing this complaint today because I have had this car financed through exeter for almost XXXX  years now and my principal has not gone down. My loan orginal amount was {$XXXX} over the XXXX years I have paid a total of {$XXXX}. Granted I was late and stuff and ran into a few life problems I still feel money should of been applied to the balance. Right now they are saying I still owe {$XXXX} dollars in interest right now which making ontime monthly payments of {$XXXX} I will have the interest paid off in 1 year because {$XXXX} of interest is added each month, and then my principal with start going down. I have attached all the payments I have made since I got the car.
Product: Debt collection

XXXX XXXX is a SCAM! I submitted a complaint outlining false reporting around the date a Best Buy credit card account was opened. They responded admitting the account was opened in XXXX and went delinquent in XXXX but because they purchased the debt in XXXX that is why they listed the account being opened. THIS IS FRAUD. When they bought the debt has nothing to do with how old the debt is. They are doing this so they can restart the clock on my credit report and have longer to collect. It is predatory! The age of the debt being accurate on a credit report is important! Newer debts have more impact on overall credit score. It needs to be reported accurately. This is so criminal. They are also claiming they cant control what the credit report agency shows which is also untrue hence it being illegal to report false information. Are they accusing XXXX XXXX of lying? Well if so THEY should file a suit against the credit reporting services for misrepresenting their data but that is not what is happening. Please this is predatory and I expect the government to do the right thing and hold XXXX XXXX  responsible. Claiming the debt was opened in XXXX because they sent a letter to me informing me of the debt that had already existed for years is insane. Im not going to let this go!
Product: Debt collection

Transworld Sys INCXXXX reported a collection on all my credit reports on XX/XX/2020 for XXXX and reported me late since XXXX XXXX. I never received a letter from this Collector or collection agency. I never received a call or a bill. I have no knowledge of this debt and I can't verify if its mines without a letter. I need this account removed! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

( FCRA ) 15 USC 1681 b This section of the law/ Permissible Purposes. It has come to my attention, that you are reporting unauthorize inquiries with your company, to the consumer report. You have reported inquiries on these days between the consumer, 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 XXXXXX/XX/XXXX. And according to " FCRA '' 15 U.S.C 1681b intends to use the information for employment purposes ; or The Term " employment '' when used in connection with a consumer report means a report used for the of equating a consumer for employment, promotion, reassignment or retention as an employee.
Product: Debt collection

I was contacted by mail from Midland Funding , Inc XX/XX/XXXX concerning a debt I owed to XXXX XXXX. I only had a {$400.00} limit. We ran into difficultys making the payments. But husband went on XXXX of that year. My husband did try to make payments on line but they would only accept the max. Last payement was XX/XX/XXXX. Not sure of this payment my husband may have made it over the phone to XXXX XXXX collection. Midland harrassed us with repeated phone calls at least XXXX times a day. I did send a letter to cese. The calls did stop but then started by up at a later date. My husband is on XXXX now for 2 yrs. We have had many hardships at this time. Plus we are raising XXXX grandchildren a girl XXXXyrs. and a boy XXXX yrs. old. We have had them now since XXXX XXXX because of this we have had very hard times. We are good people but have not had it easy. I was sent a a Civil Action Hearing notice from our magistrate from a complaint from Midland to appear on XX/XX/XXXX. Which I did appear to defend myself. We could not afford a lawyer. I asked to see a copy of the oringinal copy of the assignment and it was just a copy of it and did not look that athentic. My feelings are I only had a {$400.00} limit. I feel I should not have to pay for $ 500s of interest. I did ask the lawyer if he could lower it and he said no. I did sign a form to make payments of $ 20s a month. But that is almost too much. I do not have an income and my husbands XXXX. And the cost of food alone is so high. My husband has had XXXX XXXX in 3 yrs. XXXX and XXXX. So it has not been easy. My stress lever alone has been high due to all this. I feel Midland is an unfair corportation to prey on good people who have run into financial difficulties beyond their control.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.
Product: Credit card

I reached out to capital one about inability to charge open invoices on my card. I had paid the amount in advance. The credit balance I have is more than the credit limit of the card. 

The charges are processing very slowly. I called the number on the back of the card. I spoke with XXXX and he said that he could not verify the account without me giving the last XXXX of my social. I stated that I refused to give the last XXXX as federal law does not allow them to require the last XXXX. 
Also I was told I had to use the app to verify.. I told him as a doctor that we do not use phones, for patient safety... I could not use my phone and the app... 

He refused to assist me.. told me I was being unreasonable because I would not allow them to violate my rights under federal law. He disconnected the call. 

I called back and reached XXXX, who verified my account with my birthday rather than the social. She transferred me to a supervisor XXXX who gave me the information. She said she would speak with XXXX.