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

XXXX XXXX  charged off a balance of {$2300.00}. I never received a XXXX for that charge off. The amount has been charged off since XXXX, however it is still being reported on my consumer report without my permission. I disputed this through XXXX in XX/XX/XXXX. They are currently still reporting that it is past due, although it has been charged off, which is ultimately affecting my consumer report negatively. I would like for this account to be deleted from all three consumer reporting agencies immediately as my rights have been violated. High balances for the accounts should be reported and it should be the same balance. Three different balances are being reported through the three major bureaus. This is another violation, and means for this account to be deleted from all three major consumer reporting agencies. 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ), the IRS states charge-offs are to be reported as income, and income can not be reported onto a consumer report.

According to 15 U.S.C 1681 ( 4 ) This information shouldn't even be on my consumer report because I never granted permission for it to be on my consumer report.
Product: Debt collection

THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX Account Number : XXXX xxxx XXXX Account Number : XXXX xxxx 496 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX XXXX XXXX : XXXX xxxx 6271 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

The interest on the loan was very high and the payments were are high also. Contract started on XX/XX/XXXX  payment amount is XXXX a month. No action s were taken
Product: Money transfer, virtual currency, or money service

The problem is a common one. It is with COINBASE. 
They state that deposited fund may be held for 3-5 days until they clear but mine are on hold for 30 days. 
I have made 4 different deposits for modest amounts of {$100.00} and while the first one was available in a few days. Every subsequent deposit is being held for 30.

Their reply at first was that it was for security reasons. Then it was because it was a bank transfer ( so was the first one ) and then it was a big from the roll out of new features. Then I was told that it was not a bug on their end and now it is because there may have been suspicious activity but that is now possible since they have held all the funds the whole time. 
The only activity was an initial {$25.00} transfer to XXXX to purchase some XRP. 
XXXX is replete with stories even worse than mine. All I wanted to know from them was why the hold was so long? I was told that it was exceptionally long and they were looking into it. 
My funds are still on hold but the 30 days are not up. 
Hardly the 3-5 days they promised.

Thay sounds like fraudulent advertising to take advantage of new clients to pilfer interest money to me. 
Please look into this company for the American public? 
Thank you!
Product: Debt collection

I received email from True Accord about a debt, that wasn't mine, was discharged in XXXX, and the debtor died last year. This company doesn't do any verification and is harassing me without any legal standing.
Product: Credit reporting or other personal consumer reports

Diversified added a collect for XXXX for a fraudulent account .please delete this account this is fraud. I do not have XXXX XXXX I have XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a XXXX XXXX from Sunlight Financial and discovered that my principal was not decreasing after several continuous months/years of payments. It also appeared the company added finance charges that were not disclosed at the time of signing. The deeper I looked, the more issues I discovered regarding finance charges, payoff amounts, etc. I attempted to contact Sunlight Financial and have not been able to get in touch with anyone. I can not add a new payment method, speak with a representative, or use any other means of communication. It's almost as if the company as a whole is a scam. Other clients online claim the company is fraudulent and is undergoing a class action lawsuit.
Product: Debt collection

Account was discharged through Bankruptcy filing in 2018. Balance is still current and has ballooned up to XXXX from XXXX that I originally owed. I have called, emailed, and sent letters requesting this to be removed and they won't bulge. They are violating the bankrupcty laws and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Wells Fargo Bank NA Opened a charge account in my name without authorization. I did not realize this happened until I saw the negative impact on my credit score from additional inquiries. After some investigation, I called Wells Fargo on XX/XX/2021 to file a dispute with this, and requested they remove the inquiry from my credit score and immediately close the account. They stated that they would reach out to me the next day, as the department that handles that sort of thing had already left for the evening. 

I did not receive a return phone call from Wells Fargo, however the fraudulent account was closed on XX/XX/XXXX ( The next day ). 

The additional inquiry is still on my credit report, causing lasting damage to by financial status.
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance regarding an account from Uplift that appears on my credit report. The account, opened in XX/XX/year>, shows a balance history that I do not recognize. Despite multiple attempts to obtain documentation validating the account 's accuracy and ownership, I have not received a response from Uplift. 

Account Details : Account Opened : XX/XX/year> Account Balances : XX/XX/year> : {$170.00} XX/XX/year> : {$140.00} XX/XX/year> : {$110.00} XX/XX/year> : {$89.00} Actions Taken : I have contacted Uplift on the following dates to request validation of this account : XX/XX/year> XX/XX/year> XX/XX/year> Despite these efforts, Uplift has not provided any documentation to substantiate that this account is valid or that it belongs to me. This lack of response has left me unable to verify the legitimacy of this account. 

Relevant Legal Framework : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, I have the right to dispute and request validation of inaccurate or incomplete information on my credit report. The FCRA requires that credit reporting agencies investigate disputes and provide accurate information. 15 U.S.C. 1681s-2 ( b ) mandates that furnishers of information, such as Uplift, respond to disputes with validation. 

Consumer Protections : The FCRA ensures that consumers are protected from inaccurate information and provides mechanisms for correcting errors and verifying the legitimacy of reported accounts.
Product: Credit card or prepaid card

I created a budget to pay off the military star card. I was projected to pay off the card by XX/XX/XXXX. I didn't know/was n't notified that I still had a remaining balance of less than {$1.00} for the XX/XX/XXXX & XX/XX/XXXX. I didn't see anything until my credit scored changed.
Product: Credit card or prepaid card

I was sent a Notice of Deficiency from the IRS ( Notice # XXXX ) that stated I had undeclared income via Cancellation of Debt from Capitol One on XX/XX/XXXX, account number XXXX, for {$1400.00}. 

I called Capitol One on XX/XX/XXXX and spoke with XXXX XXXX @ XXXX, Employee Number XXXX. She stated that she looked through their records and I have never had a Capitol One account under the above account number.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I disputed late payments on my credit report. 
Dates XXXX I never had a late payment. My dispute was put I. XXXX they finally got back to me XX/XX/XXXX saying verified without sending how they verified the information
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent credit Inquiries on my credit report without my consent., nor did I give anyone authorization to do so. I am requesting that these Inquiries are deleted Inquiries : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX  XXXX XXXX FL Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been trying since XX/XX/2018 to close my XXXX XXXX secured credit card with XXXX XXXX, I called them in early XXXX and was told I could credit not close the account over the phone. I sent a letter asking them to close my account and correct my payment history they sent me a letter back saying that my history was correct I then called them again and asked to close my account and was once again told I would need to submit it in writing. I sent another letter telling them I was in az because my daughter has XXXX  XXXX and I could not afford the card any more at this point I was not 30 days late but I did have a XXXX dollar late fee added to my balance. they still will close my account and now my balance has went from XXXX to to XXXX dollars and 60 days late.
Product: Debt collection

Spring Oak Capital LLC has not provided the consumer XXXX XXXX with any documents validating the debt to date after several request from Spring Oak Capital LLC by XXXX XXXX via USPS certified mail receipt. 15 US Code 1692g validation, verification of debt 5 parts. Spring Oak Capital LLC is in violation of the FCRA, specifically 15 US Code 1692 ( g ) disputed debts. Spring Oak Capital LLC is reporting a debt that has been disputed in addition Spring Oak Capital LLC has not met the requirements to verify these debts as it pertains to the FCRA. THIS IS A VIOLATION APPEARING ON MY CREDIT REPORT. THE CONSUMER XXXX XXXX HAS BEEN DAMAGED AS A RESULT. Spring Oak Capital LLC needs to pay for the violations appearing on the consumers credit report XXXX XXXX in addition to PAY FOR DAMAGES TO THE CONSUMER!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute about inaccurate information on my credit report. There were unauthorized accounts.
Product: Vehicle loan or lease

Us auto sales charged me for insurance that was included in my payment 's, but I was written tickets for no insurance, and they also shut my car off several times. The account was sold to West lake financial without me knowing, and they reported my car
Product: Vehicle loan or lease

In XX/XX/year>, I arranged a payment plan with New Start Financial to address an outstanding balance of {$1300.00} on my car loan. The plan was to make payments of {$700.00} per month, starting with a payment on XX/XX/year>. I completed that payment as promised. At the time, my account representative, XXXX, informed me that the company was being acquired. However, she did not provide contact details for the new company, stating that I would be notified later. 

After making the first payment, I attempted to follow up on my account status and requested updated information from New Start Financial. I sent inquiries on XX/XX/XXXX and XX/XX/year>, but received no response. Despite multiple documented attempts to communicate, the company failed to provide any updates or allow me to make further payments. 

Due to XXXX XXXX XXXX lack of response, my account was ultimately removed from my credit report in XX/XX/year>, as the credit bureaus were unable to get a response from the company. I have documentation of my efforts to resolve the issue, including emails and correspondence with the company. On XX/XX/year>, I received a text message from XXXX, a representative at New Start Financial, stating that my balance had ballooned to {$4300.00} due to missed paymentsdespite the fact that I had been trying to make payments and resolve the situation for months. 

Furthermore, when I attempted to log in to my account, I found that it had been closed, preventing me from accessing account details or making payments. This, coupled with the companys failure to respond, led to the unjustified increase in my balance. 

I am seeking a resolution to correct this situation, including clearing the outstanding balance and allowing me to return the vehicle without any negative reporting to the credit bureaus. I would like to avoid further escalation, but I expect a prompt and fair resolution.
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 XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

Requesting the method of Verification : As you know, I sent you a letter last month regarding the issues with the accuracy of my consumer report. I am requesting the method of verification you used to prove that these transactions on my investigative consumer report are indeed mine and who you interviewed and spoke to about them. Notice, it is a fact, that I am aware, in accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the Contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report. I have yet to receive any proof from the person that is reporting on my consumer report. Failure of doing this can be a cause of identity theft because anyone could be using my social security number and selling my information without my consent. I hope that you realize the damage and stress that you are causing me by not complying. I am fully aware that negligence and noncompliance are a violation of 15 usc 1681n Civil liability for willful noncompliance. Each violation under this section could be up to {$1000.00} and I have no problem exercising my rights as a Federally protected consumer under title 15 Chapter 41 and pursuing litigation. I am well aware of 15 usc 1681s ( Section 623 ) that Data furnishers are indeed required to notify the consumer of any negative reporting that will be furnished but I can assure you that has not happened at all. These Data furnishers need to prove to me that they have followed procedures of federal law and need to delete these accounts from my consumer report. The following accounts need to be reinvestigated once again as I do not believe you conducted a real investigation. Anything inaccurate, incomplete, and unverifiable must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a consumer loan with XXXX XXXX XXXX XXXX for the purchase of an auto, although it was a personal loan consigned by a friend, as I had not had or needed any credit for the past 12 years or so ... ..my score was in the XXXX, showing no activity. I needed some credit, so received the loan and proceeded to build my credit. Prior to the hiatus in activity, my credit was perfect ... .. 
After two years of perfect payments, I asked Equifax to update my credit report in XX/XX/XXXX ... ..in the meantime, the originator of the loan, XXXX XX/XX/XXXX , was bought out by XXXX XXXX XXXX XXXX . In the process of updating, Equifax was unable to contact XXXX, so they took it upon themselves to REMOVE MY 2 years of perfect payments from my record. I asked them to put my 2 years of credit history back on my report, they refused ... .I asked again, they refused. I then asked XXXX XXXX XXXX to put my history on my report ... ... they refused, even though my account was transferred to them during the takeover. MY SCORE, THAT I WAS TRYING SO HARD TO BUILD, DROPPED 40 POINTS, because Equifax could not contact XXXX ... ..but it plainly shows on XX/XX/XXXX credit report with Equifax. I feel this is very unfair to me and is very discouraging ... ... now I am wanting to buy some Real Estate, but my score is 40 points lower than it was ... ... .Help PLEASE ... ..!
Product: Credit card or prepaid card

I received an email from XXXX XXXX informing me of a Hard Enquiry. When i logged in to my report, it stated I had a hard enquiry from TD BANK USA/TARGET. 

I never applied for such a card. I called XXXX and they said I would have to wait a few days for it to show up in the " New Accounts Department ". 

I then called TD BANK, but it is Sunday so I have to call back during business hours.
Product: Student loan

In XX/XX/XXXX, I received a call from XXXX XXXX XXXXXXXX. They spoke with me and explicitly explained how they would be able to reduce my federal student loan payment by going through their program. Fast forward to today, XX/XX/XXXX, I had gotten a notice that my federal loans were delinquent and in fact the amount went up, not down. Turns out the company I originally signed with turned my account over to Equitable Acceptance and I was paying them for a line of credit. This was not what I was told, nor does the " contract '' tell me anything about student loans. I feel insanely stupid that I didn't think to look more into it, and contacted the company to see what they can do to fix it. They keep referring me to another person and I haven't gotten an answer to fix the situation and stop my false " contract ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been telling TransUnion that these medical things on my report were on my Bankruptcy. I thought they investigated to check accuracy, apperatly not. XXXX/. XXXX XXXX inc is like I said.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax dated XX/XX/2020 by certified mail. Equifax received my letter XX/XX/2020. My letter was in reference to inaccurate personal information on my credit report. They did not have my correct address listed. 
My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX The employment information was reporting incorrectly. I work at XXXX. 
My name was also listed incorrectly and misspelled and I wanted all information corrected. 
The misspelling on the report is listed as : XXXX ( with no space ) XXXX ( with no space ) XXXX XXXX As of XX/XX/2020 this information has not been updated and it has been beyond 30 days. I included my drivers license, social security card and an updated bill to verify my personal information when I sent this letter certified and they should have been updated in a timely fashion and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, XXXX Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX  Balance : {$53000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX VP of XXXX XXXX XXXX XXXX contacted me with an unsolicited email wanting to engage to offering to adjust my mortgage rate that was just taken out with XXXX XXXX and after mortgage close was sold to XXXX Bank. I asked him to call me to provide information as to how a reduction in my rate was possible through XXXX XXXX when my Mortgage was no longer with XXXX XXXX. I was asked to " authorize him to review my XXXX XXXX Account '' before he could provide further information. Prior to providing information he did a " Hard pull on my credit report '' WITHOUT MY AUTHORIZATION. 

The tactics of XXXX XXXX were very suspect from the initial contact, the tact that was taken was very to be very " Slick '' in convincing a consumer that they were offering a no cost solution to adjust mortgage rate since mortgage was less than 3 months old which I already knew was a complete lie and he was attempting to have my mortgage refinanced as a new mortgage with XXXX XXXX which I had no interest in doing. 

At no time did I engage to start a process in a refinance of my existing mortgage and yet he did a hard pull on my credit without my approval.