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

Hello, I am writing to dispute the inaccurate information on my credit report that has negatively impacted my life. Specifically, I am disputing the information reported by XXXX XXXX XXXX ( account number XXXX ) that states I was 60 days late on XX/XX/XXXX when I did not miss any payments on the account. 

These inaccurate reports have caused me significant emotional distress and have made it difficult for me to obtain credit and loans at reasonable rates. Despite disputing the inaccurate information with the credit reporting agencies ( CRAs ), no action has been taken to correct the errors. 

I believe that these actions by XXXX XXXX XXXX  and the CRAs violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically, I believe that the following sections have been violated : Section 607 ( a ) of the FCRA, which requires that CRAs maintain reasonable procedures to ensure the accuracy of the information in consumer reports. The inaccurate reporting by XXXX XXXX XXXX could be seen as a violation of this section. 

Section 623 ( a ) ( 2 ) of the FCRA, which requires that CRAs promptly investigate disputes filed by consumers about the accuracy of their credit reports. Despite disputing the inaccurate information, no action has been taken to investigate and correct the errors, which could be seen as a violation of this section.

Section 623 ( b ) of the FCRA, which requires that CRAs provide consumers with a free copy of their credit report once every 12 months upon request. Despite requesting a free copy of my credit report, the CRAs failed to provide me with one, which could be seen as a violation of this section.

Section 312 of FACTA, which requires that creditors and financial institutions implement procedures to detect and prevent identity theft. If the creditor failed to implement adequate procedures to prevent the inaccurate reporting of your credit information or to prevent identity theft, this could be seen as a violation of this section. 

In addition to these violations, I would like to share how these inaccuracies have affected my life. I have been denied loans and credit cards due to the inaccurate information, and have been forced to pay higher interest rates and fees. This has caused significant financial strain and stress, and has made it difficult for me to achieve my financial goals. 

Therefore, I am requesting that XXXX XXXX XXXX XXXXemove the unverified account from my credit report, and that the CRAs promptly investigate and correct the inaccurate information. I believe that enforcement of the legal requirements is necessary to ensure that creditors and CRAs accurately report credit information and protect the rights of consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPT ED XXXX Balance {$310.00}, XXXX XXXX Balance {$120.00}, DEPTEDXXXX XXXX Balance {$0.00}.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX, I experienced an unexpected financial crisis and needed additional funds to help me with this matter. Better Day Loan pre-qualified and later approved a loan for {$1000.00} on or about XX/XX/XXXX. After making 12 successful payments, in an email dated, XX/XX/XXXX, I was notified that I may be eligible to refinance the current loan to a new one with additional funds at a lower rate to which I received an additional {$500.00}.
Product: Credit reporting or other personal consumer reports

My wages were garnished by XXXX XXXX on XX/XX/2018. The amount of judgment was XXXX XXXXXXXXThe company has the following address on file with the following reporting agencies : The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Experian address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX address for XXXX is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I attempted to contact XXXX to correct the issue. They would not return my contact or resolve the issue. XXXX went through XXXX XXXX to garnish the wages. XXXX nor XXXX XXXX has acted properly. The account showing it has not been paid off impacts my credit, life, employment, and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed creditor XXXX, Acct # XXXX from my credit report XX/XX/2018, Report # XXXX. 

This item has been reinserted on my credit file with me being notified in writing of this withing 5 days violating FCRA LAW
Product: Debt collection

Had the Loyalty program with XXXX as I had been a customer for over XXXX  years. Ordered new phones, promised {$800.00} each for the XXXX traded in phones and {$35.00} per line for XXXX lines. Once XXXX got our phones only gave us {$200.00} per phone and charged us now {$50.00} per line. Refused to return phones, honor the prices given during switching plans. Kept screenshots of all conversations and all documentation. XXXX put this on my credit report even though this is in dispute.
Product: Debt collection

I received a debt collection letter in the mail from Stenger & Stenger, P.C., claiming that I owe a {$620.00} debt to a credit card company. Per the FDCPA, within the 30-day period I sent a dispute letter dated XX/XX/2019 to the above supposedly debt collector disputing the mentioned account. The offices of Stenger received my letter on XX/XX/2019 via XXXX certified mail-return receipt. They then responded to my dispute with inadequate information to VALIDATE the debt in accordance with FDCPA and FCRA laws. They failed to provide me with any evidence that they are licensed to collect debt in the State of MI. They also neglected the required 30-day period to respond to my dispute and responded on XX/XX/2019 almost 2 months later! This is preposterous coming from this alleged company claiming to be attorneys at law who should have an understanding of the law!
Product: Debt collection

XXXX XXXX XXXX  was a company that provided sub-prime auto loans in Illinois and several other States. During the years of XX/XX/XXXX to and through XX/XX/XXXX they engaged in deceptive, fraudulent and illegal debt collection practices as they preyed upon unwitting previous customers. XXXX XXXX XXXX through the use of XXXX XXXX XXXX XXXX and XXXX XXXX ( Honor Finances General Counsel ) engaged in the practice of debt collection, on XXXX XXXX XXXX behalf, without being licensed to do so. The actions of XXXX XXXX XXXX  ( XXXX XXXX & XXXX XXXX  ), Honor Finance, XXXX XXXX XXXX XXXX   and XXXX XXXX  can best be described as THEFT by DECEPTION.

I have submitted a complaint through your department regarding XXXX XXXX, CPA and it has been confirmed by your office that he is not nor has never been licensed to engage in the practice of collections in Illinois or any other State. Honor Finance facilitated the fraudulent & illegal collections activity and under the supervision of XXXX XXXX and XXXX XXXX at Honor Finance, XXXX XXXX  would collect payments by check & credit cards and submit the funds back to the offices of Honor Finance. In many cases these payments would come in as a result of wage garnishments that were initiated by XXXX XXXX, CPA and processed by XXXX XXXX, General Counsel for Honor Finance.

XXXX XXXX XXXX  states that they have no relationship with XXXX XXXX  and that these old accounts were purchased by himalthough hes not a licensed debt collector. Given the fact that XXXX XXXX had a personal username and login to Honor Finances proprietary computer system in addition to a personal login to Honor Finances XXXX account to access customer credit reports ( PRIVATE/CONFIDENTIAL/PERSONAL INFORMATION ) and also personal logins to Honor Finances skip tracing programs, its hard to believe that he had no relationship with their companyhe spent more of his work day on Honor Finances customers than he did on his own.

All accounts, by virtue of XXXX XXXX lack of having a debt collection license, were being fraudulently and illegally collected upon. The most egregious act that these individuals perpetrated against these unwitting consumers was collecting payments and not applying them to any believed debt that they thought they owedthe funds were collected and pocketed by these individualsTHEFT! There are customer scenarios where customers cars were repossessed and sold and the sale proceeds were never applied to their accountsTHEFT!

My allegations & accusations are from first-hand accounts and Im more than willing to meet, discuss and provide any supporting information that I have. In meeting with your representative in your XXXX XXXX  office, he urged me to follow up with your office after he had a chance to review the documents I had regarding XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint again to address suspicious information on my credit report. The three credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Failure to comply will result in legal action. 
XX/XX/XXXXXXXX XXXX XXXX Balance : {$440.00} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$170.00} FXX/XX/XXXXXXXX XXXX : {$170.00}
Product: Checking or savings account

I believe that Wells Fargo has miss used and miss representing my funds and charging for fees that I have not aquiered Im being charged for overdraft fees I did not do they hold money for payment then wait a week later and say I owe them money and fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX CARD XXXX XXXX  CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This bill is old and keeps coming on my credit report. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR. This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt.
Product: Debt collection

Due to the BREACH OF PEACE of that occured on XXXX XXXX, XXXX XXXX XXXX is liable for damages pursuant to UCC 9-625 ( c ) ( 2 ), Section 9-628, 15 usc 1692f ( 6 ) ( A ) and the XXXX XXXX XXXX XXXX is also liable for tort damages, including punitive damages under Article 1, section 1-103 ( b ). 

Third party repossession companies, hired by creditors to do the actual seizing of property, can be deemed debt collectors. Debt collectors are governed by the FDCPA 15 USC 1692. Pursuant to Texas Business Code 9.609 a repossession company does not have the right to present possession of collateral if the repossession resulted in a BREACH OF PEACE.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Debt collection

XXXX XXXX sold a debt, that I do not owe to debt collection agency by name of Credit and Collection service. I have never been insured by this company. At the time they said I was insured by them, I was underage and otherwise not legally capable to buy insurance for myself
Product: Credit card or prepaid card

I received a {$100.00} XXXX XXXX gift card on XX/XX/XXXX. 
I did not open it until XX/XX/XXXX, when I wanted to purchase an item at a store. It did not work and so I went to the XXXX website and found that the new unopened gift card that I have in my hands was registered to someone else and purchases were made and there was a {$5.00} balance left. I contacted customer service on XX/XX/XXXX and faxed over the required documents to report a stolen card, front and back of gift card, activation status receipt, and driver 's license. They said they couldn't read the drivers license so I faxed it again on XX/XX/XXXX and I also sent a hard copy in the mail. I followed up and they said that there was nothing they could do because the receipt did not have a time or date. It is from a XXXXXXXX XXXX store # XXXX, located in XXXX XXXX, CA. It was a gift from a co-worker and that was the only receipt given to me with the card. 
I also have screenshots from the website of who the card was registered to and what and where their purchases were made. 

Attached are all the files that I sent to prepaidgiftbalance.com customer service.
Product: Mortgage

Please see attached letter. 

Also, US Bank, and their outside legal counsel, stated I would receive my Reinstatement and Payoff Demand Letters by Thursday, XX/XX/2022, but I never received it. I called the attorney the next day to get it, but XXXX XXXX stated they still didn't have them and couldn't say why.
Product: Debt collection

Received a collection notice, but I am a victim of mortgage fraud, and have been out of my home for over a yer. Please see DC XXXX XXXX XXXX XXXX XXXX CA XXXX B and XXXX CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

New American Funding reported the following months late on my mortgage ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After checking my bank statements it shows the following mortgage electronic drafts to New American Funding disproving the payments to be 30 day late or more. 
XX/XX/XXXX - {$1900.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$1900.00} XX/XX/XXXX - {$1900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Experian Credit Bureau Subject : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In spring of XXXX I checked into my TranUnion credit report since both XXXXe of my credit card companies and my bank offer free monitoring through TransUnion. In both places I had a very old address reported as my current address. I haven't lived there since XXXX and this was now showing up again. I tried to go online and file an online dispute but the page immediately went to " We're sorry we can't file a dispute for you now. Please try again later. '' I tried a few times over the new few months and it always went the same way. Eventually in fall XXXX I just called the phone number and talked to someone to resolve it. The address continued to appear online for a few months, but eventually stopped showing up. 

Now, in XX/XX/XXXX my phone number is incorrect. It's actually the cell phone number of my ex-wife, who I divorced two years ago. I tried once more to file an online dispute but got the same error message. I did not bother trying more than once- I just called them directly and hopefully fixed it. 

I've had my SSN stolen in the past- when I was in college nearly 20 years ago- and had a freeze on my report. I haven't had a freeze or alerts for at least a decade now. I've worked with all three credit monitoring agencies over time because of it, though some further ago than others. TransUnion remains the most difficult to work with- a consistently non-functional website, always hard to talk to an actual person, more hoops to jump through to get anything done. There's no reason for them to be this difficult. I have the privilege of having the time to deal with them to eventually get things done. I can not imagine what it's like for folks who don't. If I could shut them down in a heartbeat I would.
Product: Debt collection

The follow accounts has caused me financial ruin. 
XXXX XXXX XXXX {$690.00} XX/XX/2018 XXXX {$2500.00} XX/XX/2018 XXXX XXXX {$0.00} XX/XX/2018 XXXX  {$0.00} XX/XX/2018 XXXX XXXX XXXX   {$0.00} XX/XX/2018
Product: Money transfer, virtual currency, or money service

We purchased a solar system from XXXX XXXX. The funds were not supposed to be paid in full to XXXX until our system was operational. 

My system is sitting in my yard, XXXX has been paid in full, and they are now out of business. 

Goodleap has a lein on my home which I was told would not happen. 

They will not send me a copy of my contract and said I need to get it from XXXX ( who are out of business ) So I am out XXXX for a non working system and have XXXX in damages to my home that XXXX created during installation. 

Goodleap says too bad, XXXX XXXX was paid, you owe us. 

Again, XXXX should never have been paid
Product: Mortgage

MY HOME IS BEING FORECLOSURE WITH A FRAUDULENT ASSIGNMENT THAT IS CLEARLY DEFINED AS A ROBO SIGNED DOCUMENT. FRAUD CAN NOT BE THE BASICS OF OBTAIN A DEED THE CUT OFF DATED OF THE ALLEGED LISTED IN THE POOLING AND SERVICING AGREEMENT FILED WITHIN THE UNITED STATED SECURITIES EXCHANGE.STATES THAT ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OF DATE IN SECTION 201 I ALSO REVOKED THE POWER OF ATTY THEY ARE USING TO FORECLOSE ON MY HOME I HAVE ASKED FOR A MODIFICATION, AND THEY HAS REFUSED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. INACCURATE INFORMATION has been reported : Account name : # XXXX ( XXXX XXXX ) Monthly Due Date is the XXXX of each month - XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ) all marked as late when was NOT more than XXXX days late. Statements are attached showing the payments within XXXX days of due date ( Highlighted in yellow ). I have reached out to XXXXXXXX XXXX on many occasions who agreed with my findings & stated to reach to credit bureaus. 

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. 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 had my Chase debit card linked with my Western Union ( XXXX ) account because I donate money to XXXX. Somebody in XXXX was able to log into my XXXX account and take out {$1000.00}. XXXX claims I authorized this transaction and said they can not give me a refund on money that was already withdrawn. They told me to call the police, and I was able to get in contact with police in the XXXX country where this took place, but they asked me XXXX important question : " Which branch did this occur? '' Western Union never answered my e-mails when I asked " Which branch did this occur? '' I called their customer service a dozen times and the call would randomly drop, and each time I called back I had to explain myself from the beginning. I filed a fraud claim through XXXX, but XXXX told them I authorized the transaction and provided them with paperwork showing that I apparently benefitted from this transaction. The paperwork shows that the money was sent through the app so according to XXXX and XXXX, that means I authorized the transaction... but it wasn't me, I was HACKED. Someone working for XXXX clearly made it seem like I authorized this but I didn't. Even the name they selected as the receiver was the name of a friend of mine who lives in a country in a different continent. 

I don't know how to proceed. I can't imagine how much $ it would cost to summon someone from XXXX that can re-trace my ping and prove that the first time I logged into the XXXX app that day was immediately after I realized {$1000.00} was missing from my bank account.
Product: Credit reporting

I will no longer expect anymore of your reviews of disputes from the accounts that I have asked you to send me the original signed documents on. You have violated every single request so if you do not mind please remove XXXX XXXX CLOSED XXXX XXXX CLOSED XXXX ACCOUNT AND ALL CREDIT INQUIRES
Product: Money transfer, virtual currency, or money service

I want to transfer money to XXXX. Denied!