23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the recent outcome regarding a dispute I initiated concerning a {$12000.00} charge-off from XXXX XXXX XXXX that appeared on my XXXX secondary credit report. On XX/XX/year>, XXXX completed its investigation of this disputed account and subsequently deleted the account from my XXXX report. As this account has now been deleted by XXXX, I respectfully request that the same action be taken on my credit reports with your agency, as this account is no longer verifiable. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, if an account is found to be unverifiable by any of the credit reporting agencies, it must be removed from the consumers credit report within a reasonable time frame, generally 30 days from the completion of the dispute process. 
If XXXX has determined the account to be unverifiable and deleted it, I believe this serves as definitive evidence that the account should not appear on my credit report with your agency either. I respectfully urge you to remove the unverifiable {$12000.00} XXXX XXXX XXXX charge-off from my credit report within 30 days of this notice.

In accordance with the FCRA, specifically Section 1681i ( a ), the credit reporting agencies are required to conduct a reasonable reinvestigation if a dispute is raised and ensure that any account that can not be verified is removed from the consumers report. If you fail to remove this unverifiable account within 30 days or less, I am aware that I have the right to take legal action under the FCRA and other applicable consumer protection laws. Section 1681n of the FCRA provides that if a consumer reporting agency willfully fails to comply with the FCRA, the consumer is entitled to actual damages, punitive damages, and attorney fees. Further, Section 1681o provides for actual damages in cases of negligent non-compliance. Given this, I ask that you take prompt action to remove the unverifiable account from my credit report within 30 days to ensure compliance with the law and avoid the necessity of pursuing legal remedies.

Thank you for your prompt attention to this matter. I expect confirmation of the removal of this account from my credit report within the next 30 days.
Product: Student loan

It is very difficult to contact a live person at Navient without waiting long periods of time on hold or a call back. Considering the high interest rate they are charging students ( and government when they repay loans based upon service ) they should not have this problem.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed an account that was not reported accurately. I had a late payment that was reported late with acima when in fact it was on time. The consumer reporting agency XXXX need to report all information with complete accuracy. This account have not been late on payments. Im now requesting you investigate this account and update this payment made on time immediately. Thank you for your understanding and prompt action. I was told by the supervisor of this company that the late payment was made by mistake and should have been updated to on time.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, theASPEN COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Payday loan, title loan, personal loan, or advance loan

This is a finance company for XXXX XXXX that sold us solar panels under false pretenses and have now gone out of business. We are now paying for these panel IN ADDITION TO a high electric bill. When applying for the financing they used MY income as it was a much lower amount than my husbands, which makes no sense. We feel due to the current situation this was fraudulent. 
Since this causing a larger financial burden rather than ease we just want the panels off however XXXX XXXX filed bankruptcy. Everything about this transaction is fraudulent
Product: Debt collection

Our client has authorized XXXX time settlement offer of the above referenced account. This 60 % settlement offer is based on payment in full of settlement amount no later than XX/XX/year>. If for any reason you are unable to pay a full settlement account at this time please contact our office. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion therefore, this office will assume this debt is valid. If you notify the office in XXXX within 30 days from receiving this notice that you dispute the value D of this debt or any portion therefore, this office will obtain verification of the debt or obtain a copy of your judgment and provide you with a copy of such judgment or verification. If you request of this office and written within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from current creditor. For your convenience you can go to our website and pay online using a payment portal. You will need to use your account number exactly as shown above as well as the ZIP Code we have on file for you.
Product: Vehicle loan or lease

Upon reviewing, I see that Credit Acceptance Corporation had hidden fees in my car loan contract. I tried to tell them after purchasing the vehicle but less than 1 year later they repossessed my car due to impossibly high payments that were not the original terms. I explained this in person when I went to pick my car up after having it repossessed. They didnt care. I tried to keep up with my payments but they raised my payments a third time, I know now I should not have allowed them to do this. They repossessed the car right after I came home with my XXXX  and after that I just stopped trying to keep that car. This company has violated me. I was XXXX XXXX XXXX paying over {$500.00} a month for a used car for two years. The car shouldve been paid off but on my credit it says I owe over XXXX which is not what I signed to purchase the car for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is an account on my Transunion credit report. The balance was finally updated, but the account was not removed. Creditor and doctors office agreed to remove the account from my credit report once the balance was paid. Balance was paid, please get it off of my report.
Product: Money transfer, virtual currency, or money service

I sent {$10.00} to XXXX on XX/XX/2020 MTCN : XXXX XXXX. The recipient can not collect the money and Western Union is not refunding me. No reasons given.
Product: Money transfer, virtual currency, or money service

I requested a loan with Affirm for XXXXXXXX  ( airline tickets ) on XX/XX/XXXX, in the amount of {$1900.00} as I thought I needed to add additional funds to cover fees, however the amount I used was {$1500.00} +fee for total paid of {$1600.00} which has been paid in full of an adjusted amount of {$390.00} by Affirm Inc. XXXX XX/XX/XXXXXXXX XXXX XXXX 
The amount of the purchase by virtual card was not {$1900.00} and they are reporting to XXXX as account settled which is inaccurate. I have tried to resolve this directly with them several times and they said would send me a letter to provide to the credit reporting agencies but have failed to do it and this has impacted my credit score. This false information they are reporting. I opened a dispute with XXXX on XX/XX/XXXXXXXX  and spoke to XXXX again on XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a XXXX auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with XXXX that the phone rep agreed to due to Covid. It was a hard time for everyone and XXXX agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late 11 times during this period. Four 30 days late, two 60 days late, and five 90 days late. XXXX broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those 11 late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe XXXX violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated
Product: Credit card or prepaid card

Dear Capital One, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/2023 for my credit card ending in XXXX and my Auto loan XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment. 

As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report. 
I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments. 

Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.
Product: Credit reporting

Can not retrieve my credit reportsuspect my Fathers son has used his social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

For XXXX XXXX on my Transunion report of being late on a payment. The account was paid in XXXX  before the next billing cycle. XXXX XXXX charged me {$57.00} dollars for the monthly minimum payment, but the account had a XXXX  balance. 

This is affecting my ability to get loans/better interest rates.
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 XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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, credit repair services, or other personal consumer reports

Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit AcXXXX, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.
Product: Vehicle loan or lease

XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL Re : Final Offer Amount due : XXXX Dear Corporation, I am writing to request an amendment to the contract we entered into regarding the purchase of a XXXX XXXXXXXX XXXX from XXXX in XXXX, TX. Based on the terms outlined in the contract, I signed a Consumer Credit Contract for the acquisition of the vehicle, conducted on CREDIT as stipulated in the contracts provisions. My credit card, as defined in 15 USC 1602 ( l ), was utilized to facilitate my participation in this transaction. The Contract was for a Finance Charge for the purchase of a motor vehicle on credit for the sum of charge {$35000.00} relating to my transaction that was represented as a positive dollar amount. Additionally, I want to highlight that the vehicle has been prepaid, which I believe further supports the feasibility of this amendment. 

Upon reviewing the terms of the contract, I initially made a down payment of {$5700.00} in cash. However, I chose to purchase the vehicle on credit according to the terms of this contract. I know that the financial asset is in fact my promissory note, which has been securitized and sold to investors on the securities and exchange commission without it be disclosed to the consumer. As per the contract, the consumer is entitled to full disclosure to everything pertaining to this contractual agreement. I request the restoration of my equity, titles, rights, and interests into the proceeds of the instrument that was used through the course of dealing. 


Its imperative to note that Allys refusal to accept payments unless in certified funds does not absolve them of their obligations under the contract. While Ally may have stipulated a preferred payment method, such requirement does not negate my right to utilize credits accrued through the contractual agreement. Law trumps policy. The contract explicitly outlines the terms of payment, and that I choose to purchase the vehicle on credit. Therefore, any attempt to restrict payment options beyond what is stipulated in the contract would constitute a breach of contract on Allys part. I would love to settle this matter without invoking arbitration. During this offer period, I reserve the right to exercise all claims, defenses, and remedies available to me under law. 

Its my understanding as articulated in the consumer credit contract and with full confidence in the credit rights extended to me by law, that I exercised my right to utilize credit for the procurement of goods and services for my family. Additionally, Ally has imposed restrictions on my account and violated my rights as a consumer protected under the constitution by reporting adverse entries on my consumer report even though I extended performance of my obligation under this contract as a good faith consumer should. 

Consequently, I am seeking remedy of my down payment of {$5700.00} and the entirety of sums disbursed pursuant to the contract {$6300.00}. 


Make refund check payable to Consumer at the address stated above. 


Thank you for your cooperation. 



Sincerely,
Product: Credit reporting or other personal consumer reports

THE INQUIRIES LISTED BELOW ARE NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Payment of {$140.00} was made on time on XX/XX/24. But posted late on my account on the XX/XX/24. Attached to this letter please find a copy of my Citi Credit Card XX/XX/XXXX statement. Notice on page 4 where it says : Crediting payments other than by mail. Cut off time for online bill payments, phone payments, and Express mail payments will be midnight eastern time. 

My records show I made my {$140.00} payment at XXXX on XX/XX/24 ( well before the cut off time ) and the payment was still applied on the next date on XX/XX/24. This late posting made my account to go over my credit limit. Citi reported to all credit bureaus that I was over the credit limit {$3100.00}. That information is inaccurate. Not only are they doing false advertisement on my monthly statement, but they are also reporting inaccurate information to the credit bureaus. The correct ending balance after payment and interests for the month should be {$3000.00}. This inaccurate reporting violates the Fair Credit Reporting Act. Please help. Thank you.
Product: Bank account or service

1. UBS refuses to respect a duly executed power of attorney. 
2. UBS is unreponsive in processing an international estate liquidation. The process was initiated in XXXX 2016, and it remains unresolved to-date. Communication from UBS has been scarce and few. After several phone calls, voicemails, and emails, I am still unable to reach someone who is able to provide a meaningful status update of the account liquidation. UBS is maliciously delaying the process, and depriving the surviving account owner of much-needed funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ACIMA CREDIT XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ACIMA CREDIT  XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX   with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I received a call about a rental property that I stayed at, and they stated that I owed, and I have proof that I didn't owe anything. I was letting customer service know. He got on the phone and said you owe the debt, and you are going to pay it, and he hung up on me before I could get any info. I was trying to let him know I have emails and videos of me dropping my key off and speaking to the landlord about being in the hospital with COVID/pneumonia and that I couldn't afford it because I was sick and needed to be taken care of the Landlord knew this and said it was fine just drop off the key and I did precisely that.