23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received a payment reminder 2 days ago when I responded to the text it was then and only then that I learned that the money 's I was to pay them was going to interest and not until the 5th payment would anything go toward the principal that was the first I ever heard of such a thing the terms that I was told and understood was that on {$1000.00} I was going to be charged {$300.00} and the first payment of {$300.00} was due on XX/XX/XXXX which was fine and then the next two payments would be for XXXX and the payment and that they would be directed toward the principal which was {$1000.00} and then the loan will be paid off well their response was that whatever I pay over the XXXX would go toward the interest not the principal and that the principal payments would not begin until the 5th payment which means I would have had to pay {$2300.00} on {$1000.00} loan never ever agreed on this never knew about it had no knowledge about it did not confirm it because I would have said no way they were deceptive deceitful misrepresented the elder abuse and basically a bunch of scam artists and liars and they tell you one thing and then do another thing and try to rob you blind blood money is what they want and blood money is what they've seem to want to get they're disgusting and I even received texts asking them to provide me with this confirmation of such a thing and then I never got it when I can pay it off XXXX dollars if I pay before the XXXX then I got another one saying that they wanted XXXX again if I pay it off by the XXXX and then they process a payment that I never confirmed our date intent to do which was 2 days ago and it made my account overdrawn because I'm on Social Security and the money wasn't even in there and I want to pay them back but but the kids attacked if they use were so deceptive I don't want you anymore I think that they need to pay me for the troubles that they have put me through and the stress to my heart and my physical well-being
Product: Debt collection

In XX/XX/2022, I received a letter from a collection agency, Transworld System, demanding I pay a medical bill for XXXX XXXX XXXX 

While neither deny nor accept the bill, I was looking for some questions to be answered. They answered most of them, but refused these questions : 1. The agreement with your client grants you the authority to collect on this alleged debt. 
2. The agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. 
3. Any judgments obtained by any creditor regarding this account 4. Commission for the debt collector if the collection efforts are successful. 
5. Provide the name and address of the bonding agent for Transworld in case legal action becomes necessary. 
6. Verification that this debt was assigned or sold to a collector. 

Instead of answering my questions, they sent me another bill on XX/XX/2022, and another on XX/XX/2022.
Product: Vehicle loan or lease

This is regards to GM Financial Account XXXX XXXX. In a prior complaint, GM Financial stated that a payment was made late in the amount of {$540.00} on XX/XX/XXXX, despite our turning in the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached letter from GM Financial ). We have no financial record of every making any payment to GM Financial in the amount of {$540.00} in or around XX/XX/XXXX, from any of our accounts. This payment was not made by XXXX XXXX or XXXX XXXX XXXX. We did receive a payout relating to this vehicle on XX/XX/XXXX, in the amount of {$XXXX} ( check image attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting that I am 30 days late for XX/XX/2018. I have never been 30 days late ever. I reported a dispute thru the credit agencies and it came back with no change. I then contacted XXXX XXXX XXXX and the representative said that they were very busy and would review my account and get back to me. I asked to have my payment history sent to me with a letter stating never 30 days late and they refused. They said to just file another dispute with the credit agencies and they would get to it when it was in for review. So I did submit another dispute and they still have not updated it. I have never been 30 days late. This is unacceptable and it is a defamation of character.
Product: Credit card or prepaid card

I submitted a claim under XXXXXXXX XXXX  XXXX, for a cell phone under the Chase XXXX XXXX XXXX cell phone protection claim at XXXX. The terms of service in the guide for the XXXX XXXX on page 11 state as follows : When Does It Apply? 
Coverage begins the first day following a payment of the cellular service provider bill and remains in effect until the last day of the calendar month following payment. If You fail to make a cellular service provider bill payment in a particular month, Your coverage will be suspended and will resume on the first day of the calendar month after the date any future cellular service provider bill payment is made with Your Account. 

I provided the payment showing the payment made before the date when the benefits start. The benefits provider for Chase ( third-party XXXX - the benefit is underwritten by XXXX XXXX XXXX XXXX XXXX XXXX XXXX is stating that the coverage does not start until the beginning of the month following the payment. Attempted to call the provider at XXXX to get this sorted and they sent me the terms of service guide as attached which states exactly the above. 

She then stated to me that it doesn't start until the beginning of the month after the payment is made. I asked her what page she is referring to on the terms and conditions she sent me and she said she did not have a page. It appears they do not have the information that the credit card ( Chase ) provides to its customers. 

I explained the wording she is using is more along the lines of a different credit card that Chase Provides such as the Chase XXXX XXXXXXXX. The wording in that terms of service is : You must charge your monthly XXXX XXXX XXXX XXXX bill to your XXXX Card. You are eligible for coverage the first day of the calendar month following the payment of your XXXX XXXX XXXX XXXX bill to your XXXX Card. 

The terms of service for this card 's benefit is also attached but I did not use this card. It is being provided for a comparison of the different wording. Additionally, attached is a picture of the Chase Benefits page for the Chase XXXX XXXX XXXX showing the same information that the terms of service state that the coverage begins the first day after payment.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I received two letters from Bank of America - saying I had been granted two new credit cards under my name. I did not apply for any credit cards. I contacted BofA and the accounts have been marked as fraud and closed.
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 Account name : # XXXX, has violated my rights. 
I looked at my transunion report and noticed XXXX late payments on my accounted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the account ending in XXXX this incomplete and inaccurate I looked at my transunion report and noticed XXXX late payments on my accounted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the account ending in XXXX this incomplete and inaccurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 1681B ( 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, credit repair services, or other personal consumer reports

ALL FTC VIOLATIONS ATTACHED print XXXX Your Report Potentially Negative show tooltip button XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed an inquiry from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my credit score and causing me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XX/XX/XXXX AND THEZE FRAUDULENT ACCOUNT IS STILL ON MY REPORT! 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

XXXX 3 LATE PAYMENTS Credit usage 100 % Balance {$570.00} Balance updated XX/XX/XXXX Credit limit {$350.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status 90 days past due Status updated XX/XX/XXXX Past due amount {$100.00} Highest balance $ 571 Monthly payment {$29.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My identity was stolen online. I never authorized this account, and never signed any papers for this by hand. I have had mail stolen and things authorized without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After successfully freezing my credit on XXXX  and XXXX, on XX/XX/2020 tried to create a MyEquifax account to get a credit report and freeze my credit. There was a computer problem when it came time to verify my account via email. I then had to call and in trying to complete the process was asked 4 questions supposedly from my credit report to verify my identity. None of the questions were relevant and the process was terminated. I called to find the next step and was directed to mail a letter of request and some ID to complete verification which I did on XX/XX/XXXX. XX/XX/XXXX I tried again to freeze my credit by phone and was again prompted to answer 4 questions. Again NONE of the questions were relevant and the process was terminated. I talked to an agent and they claimed that they did not receive my mail though it was sent to Equifax Attn : Security freeze dept XXXX XXXX XXXX XXXX GA XXXX They said I would have to send the information again. I asked what happened to the PERSONAL INFORMATION that was already mailed to them. They had assured me that when I sent it, it would be destroyed after verification. Now it has been lost, stolen, whatever and they have no responsibility in this process. Unacceptable
Product: Debt collection

Hello, In regards to the Allied Collection Service report of : {$54.00} that is reporting as a closed debt. This deoes not belong to me and should be removed form my CREDIT REPORT immediately. I am sick and tired of XXXX reporting inaccurate information under my name and social security number. I went thru 5 years of having a XXXX eviction reported which was just removed after numerous attempts stating it was fraudulenty and not belonging to me. You people have ruined my financial life. XXXX! 
You people are pathetic and I hope something really bad happens to you and your business ... REMOVE THE RECORD!
Product: Debt collection

On XX/XX/XXXX, I received a letter from Mcdowell & Associates demanding a debt that was owed to the XXXX XXXX XXXX. Once I received this letter I disputed the debt. my letter was received on XX/XX/XXXX. This company failed to respond properly to the dispute letter within the 30 days allowed by the CFPB. And as of XX/XX/XXXX, I am receiving a letter that this company wants to take legal action against me.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX || Account # : XXXX - XXXX  || Account # : XXXX - XXXX || Account # : XXXX - XXXX XXXX  || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX  || Account # : XXXX - XXXX XXXX  || Account # : XXXX - XXXX XXXX  || Account # : XXXX XXXX XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXX FIN XXXX || Account # : XXXX - XXXX XXXX XXXXXXXX || Account # : XXXX - XXXX XXXX ( Original Creditor : XXXX XXXX || Account # : XXXX - XXXX ( Original Creditor : XXXX XXXX ) || Account # : XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$33000.00} XXXX  XXXX Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Product: Debt collection

XX/XX/2021 they spoofed the number to where it made it look like it was from a legitimate company from where I live. I know this because the number they called from did not match the number they left on the voice-mail the number left on the voice-mail was XXXX thank you
Product: Payday loan, title loan, personal loan, or advance loan

I have an account with Acqua Finance thats interest free for 12 months. I have been making monthly payments in advance of agreement and for more than required as my standard practice.

After the first 2 payments, I notice the terms of the interest free promotion were referenced incorrectly. I contacted customer service, it took a couple of calls and time, but the corrections were made. 

XX/XX/24 I noticed the account was charging me interest. I called left a message for escalation for a supervisor to call me back and make the correction once again. Over a week passed and a female representative called me while I was half sleep advising a correction would be made. As of XX/XX/24, no correction was made. 

As a consumer, I would like to know what are my rights and options since Aqua Finance has breached contract twice. In addition, I have had to bring the error to their attention and funds paid have not been properly applied.

As a consumer, if Id breached contract once, I would be subject to consequences including but not limited to negative credit reporting, late fees, penalties and collections.

I no longer have confidence in Aqua Finance and wish to no longer do business. I would like to cancel my contract due to their breach. Aqua may respond saying I do not qualify to cancel due to 3 day clause from contract date, however, the request is due to their breach. 

Kind Regards, -XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

6. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Charge-Off Reporting and Missing 1099-C Form To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report by USAA Federal Savings Bank XXXX Specifically, the company has inaccurately reported a " charge-off '' for every month in XXXX and some months in XXXX, even though this account was charged off only once. This is a misrepresentation of the actual status of the account and constitutes an error under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have never received a 1099-C form after the account was written off, which is a legal requirement when a creditor cancels a debt of {$600.00} or more. The failure to issue this form further indicates improper handling of the account and its reporting. 

Due to these discrepancies, I request the immediate removal of the inaccurate charge-off entries from my credit report and a correction of all related records. Please investigate this matter and provide a resolution as soon as possible. 

I appreciate your prompt attention to this matter and look forward to your response. Please provide me with written confirmation of the actions taken regarding my dispute.