23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been CORRECT & VERIFIED?. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation? Im really worried that some of the information on my credit report on this account may be reported inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. 

It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on? 

Id like to see the following documents so that I can compare them to the information on my credit report. I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note
Product: Credit card or prepaid card

I have a credit card with Bank of America. I have not used this card in many months. Because of this, I didnt check my online account for it. XXXX did an auto payment for prime ( XX/XX/XXXX ) and I didnt catch it for months. I did not receive a letter in the mail telling me about the charges or late fees. I spoke to a Bank of America agent on XX/XX/XXXX who told me she would reverse the fees because of this and also contact the credit agency to reverse this. A week went by and I see the fees are still there when I pulled up the online banking. Then I receive two letters in the mail saying my credit line has been reduced. I also checked my credit report and it dropped by 110 points. Had I known this charge occurred and I was accruing late fees, I would have paid it right away, as I always do. I spoke to Bank of America again today ( XX/XX/XXXX ) and was informed they will not drop the fees and they can not reverse the credit reporting. I went ahead and paid the fees, as I do not want my credit to be affected. Is there anything to fix this issue that has drastically plummeted my credit score?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent out a validation letter to XXXX XXXX XXXX, and I received a letter back with a summary of a bill, I sent a second letter asking for a signed contract. 
On XX/XX/XXXX, I received a letter asking me to pay, also on XX/XX/XXXX, I received another summary of what they claim I owe with XXXX XXXX XXXX, but still no signed document therefore not verifying nor validating this belongs to me. I have asked multiple time to delete if they can not prove the necessary evidence.
Product: Mortgage

Reviewing my loan I have noticed that I my loan states that I have a duration of XXXX  years for my loan from XXXX which is XXXX  years My loan was for 30 years FHA fixed . I need to have then fix the site to reflect that, when trying to call customer services they have not idea how this came about. I have attached copy of my XX/XX/year> web page. Please have this corrected and update to reflect my true loan duration.
Product: Money transfer, virtual currency, or money service

XXXX of this year MY account with Coinbae was hacked due insufficient protection for my account because my account was not timed out or logged out like ANY OTHER financial institute, more over Coinbase was not vigilant enough to see that hackers were openly using their name to heck. After the hack I was very cautios to log out of my account, last week I tried to go into my account where I found out that my account was either left open or was not timed out. 
My complain is that if Coinbase is handling cash for transactions then Coinbase has the fudciary responsibility to insure the accounts and also compensate customers for their losses. In addition provide complete account protection rather then put all burden on customers,
Product: Student loan

To Whom It May Concern, I was garnished again for 15 % of my paychecks for XX/XX/XXXX and XX/XX/2016 by Automated Collection Services , Inc. in XXXX, TN. I did not receive notice of garnishment from ACSI, and the garnishment took be by complete surprise. 

I repeatedly told ACSI reps that I could not afford the amount of this garnishment. I even faxed over financial records showing that I could not pay essential bills ( rent, utilities, etc. ). ACSI and I then had a written agreement with ACSI to have my garnishment reduced to 5 %. However, I contacted my payroll department this morning and the director of payroll replied they did not receive a fax from ACSI for this reduction, and I was garnished at approximately XXXX % again. 

As I have tried futilely to discuss with their reps, I can not afford the amount at which I am being garnished. It is crippling me financially, rendering me unable to pay my essential bills. I contacted ACSI and I was transferred to someone calling herself XXXX XXXX. XXXX XXXX mocked me. After telling her I was being crippled financially by the garnishment, she said then I could pay the full balance in lump sum or settle for thousands of dollars. Well, if I ca n't afford to pay hundreds of dollars, how can I pay tens of thousands of dollars at one time? Why would someone representing a company mock someone who is financially destitute? Is it common practice by companies to tell people who can not afford to pay hundreds of dollars each month to tell them that they can pay tens of thousands in a lump sum which the representative would know that that person can not pay it? The only reason to say such a thing is to mock and humiliate a financially destitute person. 
Second, they claim they can not relinquish the garnishment. However, they have that option ( as evidenced by a complaint that was resolved on the XXXX website and by common sense -- they hold the debt -- no one is forcing them to garnish me at the rate they are ). I have no problem making payments, but not at the amount they are demanding. I simply can not afford it. 
Plus, I offered to consolidate the loan with my other loans which are in good standing. They refused because they told me that because they had the garnishment they did not have to. 

Had I received a notice of garnishment, I would have been aware of the debt, which I assumed to be in good standing with my other student loans ( that is the only reason it went delinquent ). And, thus, I would have contacted XXXX ( the originator of the loan ) or ACSI and handled it before being garnished. 
From my understanding, I am supposed to have received a notice of garnishment, and I also do not think that belittling consumers for not being able to pay is something that ACSI 's employees have the right to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Experian regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted XXXX about the following incorrect information on my credit report, but to this date they have not responded. 

Because of the incorrectly reported data, I require that your bureau verifies the XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) account. I am unsure of the accuracy of the balance of {$1700.00} that you report for this account because I do not recall owing such a high amount. Your agency presented this account as closed and charged-off, so the past due amount is not supposed to be provided for this account. I am going to clarify this matter with the creditor. In the meantime, I ask you to mark this account as disputed so that it won't have any further negative impact on my credit score. Additionally, I request that you verify the Date Opened, Date of Status, and First Reported for this account. 
Furthermore, your agency is reporting inaccurate information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do recall my original creditor - XXXX XXXX XXXXXXXX XXXX  and it is obviously a different company than the one you are indicating. Moreover, I do not have any contract with this company and have never been contacted by them. Your agency provided false information about the Balance of {$290.00}, which is higher than I believe it to be. Due to these inaccuracies, I am disputing this entire account and I ask for a verification of Date Opened and Date of First Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding unauthorized entries on my credit report. Specifically, I have found that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my report and I did not authorize these companies to access my credit information. 

I have not had any business dealings with these companies and I am concerned that these entries XXXX be the result of identity theft or other fraudulent activity. I request that you immediately remove these unauthorized entries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX  XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX. 2022 I asked TransUnion to investigate the below listed accounts for accuracies. On XXXX, XXXX. 2022 TransUnion responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate XXXXXXXX XXXX XXXX XXXX XXXXXXXX See report for inaccuracies XXXX XXXX XXXX XXXX Date opened. Inaccurate Date last activity. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the three credit bureaus didnt make sure that was reporting 100 correct, fair and accurate. They didnt even preform the investigation. They sent me a generic template letter saying we applaud your attempts but we are not going to do the investigation because we think it didnt originate from you even though I sent all the proper documentation they require. It is like they just threw away my disputes.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i (
5 ) these accounts are in violation of not reporting 100 % accurate
Product: Credit reporting or other personal consumer reports

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and I see that there is an inaccurate account on my report. I DO NOT RECOGNIZE THIS ACCOUNT WITH UPGRADE. I requested the information below : I, the consumer is aware, in there has been statements which have not matched my records and statements which have not been in accordance with the disclosure from the company listed below that I have received at the consummation of the transaction. I am formally giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received, this reporting error is a violation of 15 U.S. Code 1692c No proof has been sent to me for more than 30days as I previously requested, and that I am legally obligated to pay this debt. I need the purchase agreement of the debt, the insurance claim of the debt, and verify if the debt is within the statute of limitations. Please provide the original written agreement with my signature agreeing to pay.

As of today, I have not received the information that I requested. I only received a letter that my information was sold to a collection agency without my consent or approval, which is illegal.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. My name is XXXX and I am reaching out to request specific information regarding the method of verification employed by Equifax in reporting bankruptcy information. 

Recently, upon reviewing my consumer report, I noticed a bankruptcy entry sourced from your database. This discovery has prompted me to seek further clarification regarding the procedures and methods Equifax utilizes to verify and validate such bankruptcy information. 

Understanding the critical role accurate and verified information plays in consumer reports, I am particularly interested in learning : The detailed procedures and methods employed by Equifax to verify bankruptcy information. 
Any documents or criteria utilized throughout the verification process. 
As a conscientious consumer, I place great importance on ensuring the integrity and accuracy of the data associated with my profile. 

In light of this, I kindly request your comprehensive response to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing detailed insights into Equifax 's verification process is crucial in helping me address and resolve any discrepancies that may exist within my consumer report. 

Furthermore, if there are any specific forms or additional information required to facilitate this request, I would appreciate your prompt notification. 

Thank you for your attention to this matter and your cooperation in providing the necessary information within the stipulated timeframe. Your assistance in this regard is immensely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing because i have sent regions bank on XX/XX/2018, 2 different letters asking them to verify the accounts that i am responding to concerning these accounts.By law, they have 30 days to respond before they violate the law.these negative items are damaging my credit and causing me great grief.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) # XXXX, REPORTING TO TRANSUNION AND XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

There are unauthorized inquires on my credit report. I have attached a letter providing the inquires.
Product: Money transfer, virtual currency, or money service

I initiated a domestic wire transfer on XX/XX/2023. Chase called me on XX/XX/2023 to confirm and approve the wire. The wire still has not been sent out as of XX/XX/2023. I have called them numerous times and I keep getting the same answer. They still have not sent my wire.
Product: Credit reporting or other personal consumer reports

I see things may be inaccurate. Start looking at the accounts XXXX XXXX XXXX and XXXX XXXX. I believe this information may be inaccurate. I need this deleted now. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Payday loan

I am being contacted by letter from XXXX XXXX Tx XXXX XXXX for a loan from Ace that I never applied for. The amount is from what this XXXX guy said was for {$500.00} and something dollars back in XXXX. Stating an address that I have never borrowed money from them living at that address. The accrued Balance is now {$2000.00} with an settlement offer of {$680.00}. The only time I have ever borrowed money from Ace was when I lived in XXXX back in XXXX. I had paid that loan down to {$200.00} and ended up in the hospital with XXXX the day before it was due. I called them from my hospital bed to inform them of my situation. They would not let anyone go down and pay it for me. The day I got out of the hospital I went to go pay it however they would not take my money because it was late by a day or two. I was contacted by Ace with them wanting me to pay an outrageous amount on the loan which I could not afford. That loan was discharged on my credit back in XXXX or XXXX. In XXXX I was contacted by phone by someone who was threatening me with a law suit and I was trying to work out an arrangement with them on the amount of {$200.00}. I paid them {$50.00} over the phone. I then started getting daily calls stating that they needed more money. I told them I did n't have anymore right now to give. I then started getting phone calls telling me that I was going to get a warrant out for my arrest. I knew then it was a scam. Now after 4 years I am being contacted by letter for a loan I never took out. they have all my info. Friends and family info and I have not dealt with Ace since that time in XXXX. With the threat of a law suit. I told them to take me court because I do n't owe them this {$500.00} something loan they say i owe. I do n't need the stress. They said this loan was discharged back in XXXX. I do n't have anything on my credit about that. They ( Ace ) just keeps these loans alive. Upon speaking with this XXXX guy he did n't even try to really get me to pay any of the amount because I mentioned that I have been contacted by scammers before and this was a scam. However he did get me to confirm some information such as people I know. Could have kicked myself for saying yes I know those people.Also looked up the Company name and no address with this company is in XXXX. Address does n't reflect it either. I picked received a loan I did n't apply for because that was the closest thing to fitting my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This company Talbot, Adams and Moore have an account reporting on my credit report that was previously disputed and removed off my credit report. due to that fact i have never done business with this company and would like for this company to remove this collections off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XXXXXXXX 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 I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

These inaccuracies in the personal information on my credit report are unacceptable and a clear violation of 15 USC 1681 e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. The incorrect details include the name variations XXXX XXXX and XXXX XXXX, my accurate name is XXXX XXXX XXXX. The other variations of my name, please correct or remove them. Incorrect addresses XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, and XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX. You can look to my supporting documents for an accurate address. Lastly, I'm currently self-employed so it should reflect on my credit report. Besides, under 15 USC 1681b, consumer reports can only be furnished for permissible purposes explicitly defined by law. Reporting these without my consent is a clear violation. This matter demands immediate investigation and correction without delay.
Product: Debt collection

ACIMA DIGITAL FKA SIMP Is in my credit report consistent reporting false, negative, inaccurate, inconsistent information. This is. It my account please stop it