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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX : {$1300.00}
Product: Credit reporting or other personal consumer reports

My student loan was forgiven in XXXX. XXXX report incorrect amount as forgiven, and stated they would send a correction letter. they never did that, but now account shows online as XXXX balance. No history is allowed to be accessed. XXXX promised to contact the credit reporting agencies to have the errors removed and report the XXXX balance as of XXXX, but there's no evidence they ever did, despite weekly phone calls and promised from them to do so.
Product: Debt collection

There is a repo report on my credit which is incorrect I do not have the car nor was I purchasing the car it was a lease and was returned I am still being charged for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVE a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$820.00} TD XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX Balance Owed : {$15.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX OF XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/year>
Product: Credit card

Ensuring timely payments on this account has been a priority, avoiding any instances of overdue payments. I'm puzzled by the presence of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, necessary corrections are warranted.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

15 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 been called by an alleged debt collector, RMP, LLC, numerous times over an extended period of time about an old medical bill, with the person calling occasionally taking an aggressive and threatening attitude toward me. This debt collector has my number, the name of the guarantor on the account, the patient 's name, date of service, doctor 's name, and amount allegedly owed. Initially, and periodically since then, I requested that the debt collector send me something in writing about the debt and how to pay it because I would not make payment on an unverified debt to anyone who " cold-calls '' me. They have never done so. 

I have followed up with the financial office of the Doctor 's office multiple times to confirm the disposition of the charges. They have consistently told me that the referenced bill has been paid and was not sent to collections. When speaking with the Doctor 's office today, they confirmed that, while the alleged company calling me is the name of a debt collector that they work with, it's not the company that they work with for the type of bill referenced. I asked them if there was any way they could assist in getting this company to stop calling me and they said that since they would have never sent them that debt, there is nothing they can do. They also confirmed that the phone number that I receive the calls from is not a number that they have on file for that, or any other, debt collection company that they work with.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against EXPERIAN, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to EXPERIAN notifying them of the reinsertion of XXXX XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, EXPERIAN has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
EXPERIAN actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with EXPERIAN, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Vehicle loan or lease

I was a victim of blatant predatory lending by Credit Acceptance Corporation. They charged me 22.99 % interest for a car loan, which is very high but due to my less than ideal credit and not understanding the contract I signed. Later while working with a Financial Coach at a non-profit we looked at my loan and vehicle. He pulled the XXXX value on the vehicle and we found that the vehicle with a clean retail is only worth {$5700.00}. I paid {$9100.00} for the vehicle and by the time the loan is paid I will have paid {$19000.00}. A lender should not give a secured loan for a vehicle to a customer with less than perfect credit ( or anyone ) with almost a 160 % LTV. The whole transaction is predatory but the aspect of the lender giving a loan for 160 % of what the vehicle is worth is the aspect that seems completely unlawful and undeniably predatory.The loan was signed in XX/XX/XXXX, and we pulled the XXXX value ( bluebook value ) on XX/XX/XXXX only 6 months later. The car would not have depreciated in value very much in those 6-months, especially with an already older vehicle. We used the millage of the car when it was bought in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 30 days ago to this bureau or these bureaus and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Product: Checking or savings account

I put in a dispute with chime at least 10 time when my money was to be returned in 30 day when time can they Deny me after I was approved. So I ended up closing my account out and never got no statement or anything. All day day was getting to run around and I never got my money back so I left to another band.
Product: Checking or savings account

I have received notification from my credit card company that my SSN has been found on the dark web and it has been misused. Thus it is urgent to investigate where my identity has been misused. There is an identity theft. The hackers have been chasing my private information and misusing it on dark web. Dark Web must be closed so they can't hack bank accounts, personal information, credit cards and health information. This is urgent.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 acceptance now
Product: Debt collection

Parties involved : Capital One Auto XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX allegedly sold Repurchase Agreement to : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX and who used XXXX XXXX XXXXXXXX XXXX XXXX to seizure our family automobile on XX/XX/. 

On XXXX XXXX  our family automobile was seized by XXXX XXXX XXXX XXXX with no Notice from Capital One, No lawful or for Repossession and No security lien filed in the Commonwealth of Pennsylvania by Capital One. 

Capital has not sent any certified mail to the consumers nor have sent any notfication that a Repurchase Agreement with XXXX XXXX XXXX XXXX. To date Consumers have been without there private automobile and have no known whereabouts of its locations because all parties mentioned above have concealed the property and have acquiesced to my certified mail sent to there executives.
Product: Payday loan, title loan, or personal loan

we have a closed case with this company already however upon checking there was a Loan Renewal dated XX/XX/2018 I did NOT Authorize & it is pending for {$650.00} and starts XX/XX/2018 now i spoke briefly with Company on XX/XX/XXXX phone call & asked about the loan they stated they rec Complaint & had stopped ACH withdraws from my account but THEN stated I still OWED them XXXX come XX/XX/2018 there better not be any withdraws from my account as they stated they stopped it Loan Application Application Number : XXXX Loan Type : Renewal Loan Status : Pending Application Application Date : XX/XX/2018 XXXX Loan Amount : {$650.00} Total Amount Due : {$0.00} Due Date : XX/XX/2018 this is from there website and that is under My name & Social Security number
Product: Debt collection

My apartment, XXXX XXXX, turned my account over to XXXX XXXX despite taking my money for {$120.00} on XX/XX/18. The manager at XXXX XXXX confirmed that there is no balance on my account when I called on XX/XX/18 and was willing to confirm the same thing with XXXX XXXX if they talk to her. I contacted XXXX XXXX the same day ( on XX/XX/18 ), asking them to call XXXX XXXX to verify with the apartment manager but the person I spoke to assured me that I merely need to send a copy of the check I used to pay the {$120.00} to his manager, XXXX XXXX ( initially over the phone he spelled her name as XXXX XXXX and resulted in my email being returned ). I was able to successfully send an email to XXXX XXXX at XXXX XXXX with images of the check that was used to pay the balance that XXXX XXXX is attempting to collect on XX/XX/18. The images clearly show the day the check was deposited by XXXX XXXX and the funds withdrawn from my account. 
I am also attaching the same check images to this complaint. However, on XX/XX/18, I was still being contacted by XXXX XXXX regarding this debt that was non-existent to start out with. Now they are saying that they will need to follow up with XXXX XXXX to verify despite me providing them with evidence of payment more than a week ago and they could have called XXXX XXXX to verify in that time period.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : [ XXXX ] Account Number : [ XXXX ]
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt : {$500.00} XXXX The debt in question is due to an overpayment from the Veterans Affairs Office.  This debt did not arise from a contract or agreement to pay. The 31 State AG Agreement, XX/XX/2019, explicitly states " The CRA 's shall prohibit Collection Furnishers from reporting debt that did not arise  from any contract or agreement to pay ( including, but not limited to, certain fines, tickets and other assessments ). '' This is stated on page 12 of said agreement, attached to this email, paragraph C and D. 

I also include a link to said document : https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$23000.00}
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXXXXXX XXXX, which involved me making deposits for a total amount of XXXX USD from my JPMorgan Chase account to fraudulent investment firm ( s ).
Product: Mortgage

Ocwen loan servicing continues to report inaccurate and fraudulent information on my wife and I credit reports with all three credit bureaus. As of XXXX XXXX we agreed to a loan modification, at that time the loan was set to three trial payments, these payments were made on time, which then the loan went into full agreement. Since XXXX XXXX to XXXX XXXX we have made our monthly payments on time yet Ocwen continues to report information of no payments being made to the credit bureaus. Ocwen also has been charging fees sometimes up to XXXX in one day as you can tell from the payment history from Ocwen. Ocwen has not and continues to place our payments into a separate account even when there was a modification present and payments were made on time and Ocwen will still not apply payments the day/month they are received. Attached you will see Ocwens negligence in reporting fraudulently to the credit bureaus and documentation of payment history. As you make notice of Ocwens payment history sheet they are fudging payment dates and dates the payments were applied and the late fees, inspection fees and other non-explained fees are charged fraudulently. We request Ocwen report accurate information on our credit files and credit for all fraudulently charged fee 's. 

We have also disputed this through XXXX from XXXX Resource Center as XXXX is the note holder of this loan. We have been disputing this information for over 6 months through XXXX with no outcome. 

We request Ocwen Loan Servicing & XXXX to immediately stop reporting inaccurate and fraudulent information on our credit bureau and immediately send correct information to the credit bureaus and send a letter to every company that declined to offer credit due to Ocwen Loan Servicing & XXXX inaccurate and fraudulent reporting and fraudulently charged fee 's be credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WELLS FARGO Account Number : XXXXXXXX This is not mine.
Product: Credit card or prepaid card

I opened a Chase Amazon card for large purchase at an 18 month interest free payment. When I opened my account it defaulted to Amazon. I took the card off and put the card I wanted my purchase on-but yet it kept processing payment on this card. Amazon refunded the unauthorized purchases back to the card. Chase used the refunds to go to the interest free balance, which pushed my monthly payments up to XXXX per month from my previous XXXX monthly charge and my interest free balance to XXXX for the interest saving balance. I called several times to have this corrected and was told it would be corrected. My phone call on XX/XX/19 resulted in Chase saying that they would take the credit from the promotional item to the balance. I called in XXXX, XX/XX/19 and XXXX. I called on XXXX to pay my bill only to find that the refund wasnt corrected to refund the purchases, it was left on the interest free balance item. I was mislead and did not authorize this card for the additional purchases. My refund should have gone to the purchases not the interest free balance item. This is a gimmick. I am a single, XXXX XXXX  mom and have excellent credit and opened this card to pay for a large item interest free. My phone call on XXXX ended with Chase hanging up on me saying they wrote me a letter that they can not apply the refund as I requested, as theses purchases were not authorized on this card. I was told on XX/XX/19 that this would be corrected and the refund would be correctly applied to my purchases that were unauthorized as I requested, yet this was never completed, and Chase is now refusing to do this request as previously promised.
Product: Debt collection

I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Bank of America ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Credit reporting or other personal consumer reports

SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT PROFILE. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is reporting inaccurate information on my credit report! They are reporting a charge off on my report! 
The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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

The following items continue to appear on my credit report despite numerous written requests, which are against FCRA. In addition to failing to adequately examine the situation by using a third party as their provider of verification, the Bureaus continued to report unsubstantiated and unverified information while failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law. They are wilfully negligent and in violation of federal statutes, and I need this situation to be resolved right now given all of my attempts to address it directly with XXXX and TransUnion CREDIT BUREAUS. The following ITEMSshould be deleted from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX