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

1 ] in accordance with the Fair Credit Reporting act, XXXX  XXXX Account # XXXX, has violated my rights. by placing misinformation in my credit report. 

2 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights by placing misinformation in my credit report. 

3 ] in accordance with the fair credit reporting act, XXXXXXXX XXXX XXXXXXXX XXXX account number # XXXX. has violated my rights by placing misinformation in my credit report. 

4 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

5 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX has violated my rights by placing misinformation on my credit report. 

6 ] in accordance with the fair credit reporting act, XXXX XXXX account number # XXXX, has violated my rights by placing misinformation in my credit report. 

7 ] in accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX # XXXX has violated my rights by placing misinformation on my credit report. 

8 ] in accordance with the fair credit reporting act, XXXX account number # XXXX, has violated my rights by placing misinformation on my credit report. 

i try to resolved this plights with this named creditors aboved numerous time either to come to the same conclusion or not get a reply. 


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: Debt or credit management

I buy a ring on 2021 for XXXXXXXX XXXX I make a deposit for XXXX $ at the same day after that I pay XXXX $ every month for 2 years an 3 months they send me a court paper for another company tell me I owe them XXXX $ I don't understand what's going on where is the money I already pay
Product: Debt collection

Sending legal documents falsifying an out dated/time to respond to.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute I filed regarding a 30-day late payment that has been inaccurately reported on my credit report. The dispute was submitted on XX/XX/year>, and, to date, I have not received satisfactory proof that the late payment was accurately reported. 

I am requesting the following information as it pertains to the resolution of my dispute : The name of the person who conducted the initial investigation for my dispute dated XX/XX/year>. 
All documentation, records, and proof used in the investigation and verification of the reported late payment. This includes any communication between the creditor and the credit bureau that substantiates the reported information. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureau to conduct a reasonable investigation and provide all relevant information used to verify the accuracy of the reporting. 

Please note the following consumer rights that apply to my dispute : Section 611 of the FCRA ( 15 U.S. Code 1681i ) - This section outlines my right to dispute inaccurate information and your obligation to perform a reasonable reinvestigation within 30 days of receiving the dispute. It also requires that I be provided with the results of the investigation, including all supporting evidence. 
Section 609 of the FCRA ( 15 U.S. Code 1681g ) - I have the right to request all information that you have in your file regarding the disputed account, including the identity of anyone who has accessed my credit report and any documents you used to validate the disputed information.

Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ) - Creditors are prohibited from reporting inaccurate information to the credit bureaus. They must also investigate disputes and provide accurate updates to credit bureaus if their reporting is found to be incorrect. 
I respectfully request that you provide me with the requested information and documents as soon as possible. If you fail to provide sufficient evidence supporting the accuracy of the 30-day late payment, I expect the incorrect information to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please provide all requested materials in writing within the timeframes outlined by law.
Product: Credit card

I receive a bill each month from Discover and pay the bill, usually over the minimum amount. A couple of days later I check to see that the payment is credited and it indicates I have a certain $ amount to use that reflects the payment I made. A few days later if I check again, there is another amount for " interest '' that I owe! It appears that I pay interest with the amount I pay but then they recompute the interest and tack on another bill. 

I have never seen anything like this. Instead of one amount there is now two. This makes it seem as if I did not pay the full amount. This can have an impact on my credit score and it means I can never pay down the bill I owe because of this practice.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 1 Bank Name : XXXX XXXX XXXXXXXX. Name : XXXX Bal : {$2700.00} 2 Bank Name : XXXX XXXXXXXX XXXX. Name : XXXX Bal : {$3300.00} 3 Bank Name : XXXX XXXX XXXX. Name : XXXX XXXX : {$2400.00} 4 Bank Name : XXXX XXXX. Name : XXXX Bal : {$2600.00} 5 Bank Name : XXXX XXXX XXXXXXXX. Name : XXXX Bal : {$3800.00} XXXX Bank Name : XXXX XXXXXXXX XXXX XXXX XXXX Name : XXXX Bal : {$8900.00} 7 Bank Name : XXXX XXXXXXXX XXXX. Name : XXXX Bal : {$840.00} 8 Bank Name : XXXX XXXX XXXX XXXX. Name : XXXX XXXX : {$610.00} 9 Bank Name : XXXX XXXX XXXX XXXX. Name : XXXX Bal : {$7900.00} 10 Bank Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Name : XXXX Bal : {$5100.00}
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of an authorized inquiry on my credit report. I believe this inquiry was made in error and is negatively impacting my credit score.

Details of the inquiry are as follows : 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

On XX/XX/2023, XXXX fully discharged my loans that were transferred to them by XXXX in XX/XX/2023. 

Unfortunately, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields have not been updated.
Product: Mortgage

I had a mortage with XXXX for years. XXXX XXXX, they transfered the loan to XXXX mortage co. After a year with XXXX XXXX Ditech bought them out. 2 weeks before loan transfered to Ditech I made a payment of {$5800.00} to XXXX on XXXX XXXX, XXXX. This brought the loan current and a little over. When Ditech started billing me on XXXX XXXX. XXXX they billed me for the {$5800.00} that seamed to have gone missing. I should have started with a clean slate with Ditech. I have been on time and current with every payment since XXXX and refuse to pay the lost money. As a matter of fact, I over pay every month by {$50.00}. I called dozens of time to clear this up and was always assured this would be looked into. I have tried to follow up, left messages and talked to new people again telling me it would be looked into. Not ONE person has called back. The last person I talked to at Ditech XXXX XXXX XXXX told me my account was so messed up he could n't make heads or tails out of it.That was a month ago. Ditech has also been holding checks for up to 2 weeks making sure myself and others go past the due date so they can collect late fees. If the bank sends my check the XXXX of the month and Ditech get it the XXXX, why would they hold it until the XXXX, ( day after due date ) to cash it? This has become a common practice for everyone involved with them. They only take personal and cashier checks, no electronic payments, that enables them to cheat people out of their money.
Product: Credit reporting or other personal consumer reports

you are reporting the incorrect balance and credit usages on my credit report. You have XXXX XXXX, XXXX, transunion and credit seames reporting inaccurate information which is effecting me from getting a mortage loan. 
I have also paid all three credit collections on my credit and asking that they are removed off my credit report. 
I have 12 credit card reporting XXXX balances and you are reporting incorrect balances
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # 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 has violated my rights. 
I have already disputed these items but the bureaus did not remove nor validate them. 
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, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2019 I pulled all three credit reports and found two issues on them that tanked my credit score. One account is not even mine, the other was paid off and closed years ago. I first disputed on-line with no success. They returned results that stated " all information correct and verified with reporting company ''. I then did a little research on how to have errors removed from your credit report, as well as spoke to an attorney that advised me to send certified letters to both companies asking that the accounts be verified with proof of that verification. One company ( A collection Agency ) refused the letter, the other sent me a response that said they had verified the information with the credit bureaus and was not required to provide any proof to me other than they verified my identity on this credit card ON-LINE. So apparently crooks don't open accounts on-line???!!! 
So I filed WRITTEN disputes to all three Credit Bureaus, sent them all Certified Mail, and just received a response from XXXX  stating once again regarding the same account - " Information verified with reporting agency '' and nothing more. That's it??? Of course the reporting agency is going to " confirm '' that their information is correct, but don't they need to provide some sort of PROOF other than their word?!!!!! What more can I do as a consumer to have this addressed/investigated properly??? 
The other account that I am disputing flat out refused to accept the letter that I sent them certified. Now what? I've filed written dispute as well on this response, but have not gotten a response yet from any of the Credit Bureaus. 
I need assistance immediately in addressing XXXX and their investigation processes. Both these items need to be removed immediately as neither of them have provided any type of proof/verification of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has continued to report a closed auto account on both my Experian and XXXX credit reports. The account was charged off as of XX/XX/XXXX and report a charged off account until XXXX of XXXX. This is misinformation and re-aged my account which has negatively impacted my credit score. XXXX XXXX XXXX not only has continued to reage my account they are not reporting the same original charge off account across all three of my credit reports. XXXX XXXX XXXX is reporting a charge off as of XX/XX/XXXX and not monthly on my XXXX report. I have filed mulptole disputes regarding this matter however no action has been taken. This is illegal act and has detrimental to my credit score. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change. 

Also, my payment history between my credit reports do not match. I have brought to this to the credit bureaus attention multiple times and no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed complaint on XX/XX/22 closed XXXX/XXXXXXXX verified without a proper investigation, this is straight up wrong and a violation of my federal protected rights. I sent out a letter to bankruptcy court and they told me they don't report to credit bureaus. That's fraud. They stole my information and violated my rights according to the 15USC 1681 SECTION 602A. States I have the right to privacy. And 15USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This bankruptcy needs to be removed immediately.
Product: Debt collection

( 1 ) I contacted National Recovery Agency ( NRA ) to verify the bill and they failed to respond within 30 days.

( 2 ) NRA reported an aged bill ( that I have paid it ) to my history without any notice before its 180-days period. 

In fact, the information in a collection account on my credit history is not mine. I had a bill on XX/XX/2018 from a medical centre inside another medical center that I have paid both bills within 180 days for medical bill. 

Please see the attached proofs.
Product: Debt collection

This is a follow-up to a complaint the Company/CFPB previously marked as closed, but still not resolved - XXXX. 

As background information related to the prior complaint, Chase Auto is continuing to try and collect a debt from me for alleged prior traffic violations, which occurred after my lease ended, and I have asserted they do not belong to me. At this point, the prior complaint resulted in information finally being furnished to me that I was able to track down the person who these violations actually occurred to and I provided this information from the XXXX website to my contact at the Chase claims team who has been helping me to try and resolve this. The latest feedback I got from this Chase team member is that whoever at Chase reviews this information still is declining to agree to this information as evidence these charges belonged to someone else and they only would accept written acknowledgement from XXXX that these charges are not mine and to reverse them. As I have stated previously, XXXX has already said they do not provide such documentation and even more so, they can not provide me any information relating to someone else 's account ( since these violations were not mine ), as it's violation of privacy policy so it is impossible for me to do this. Chase Auto obviously made the error here of paying something they shouldn't, because they didn't actually do their own due diligence ( the violation picture even showed a picture of a ranger rover which was not the car they leased to me ) to confirm it was accurate and they have now put the obligation on me to remedy this mistake, when I have gone above and beyond to try and furnish documentation proving my innocence in this regard. Even my contact at the Chase team said he is lost at this point at what else can be done, as I have tried every avenue I could. I also find it interesting, now that I have provided documentation it was not me, Chase is offering me to propose a settlement at less than the stated amount to close out the issue. 

This whole situation continues to be absurd and Chase really needs to change how they do business, this really is unacceptable.
Product: Credit reporting or other personal consumer reports

I RECENTLY WAS REVIEWING MY CREDIT REPORT I NOTICED SEVERAL ITEMS THAT DON'T BELONG TO ME ARE FRAUDULENT AND UNAUTHORIZED FOR CREDIT PURPOSES. I AM REQUESTING THE INQUIRIES BELOW BE REMOVED BECAUSE THEY ARE INACCURATE, UNAUTHORIZED, AND NOT MINE. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNT WAS NOT AUTHORIZED XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX NOT AUTHORIZED XXXX XXXX  XX/XX/XXXX NOT AUTHORIZED XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE NOT AUTHORIZED AND NEED TO BE DELETED FROM MY CREDIT REPORTS. ACCORDING TO THE FCRA, LEGALLY THESE UNVERIFIED AND UNAUTHORIZED ITEMS MUST BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 LVNV Funding LLC added a derogatory mark on my credit report per XXXX XXXX. Upon, Further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA LVNV Funding LLC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to me on XXXX XXXX XXXX from XXXX XXXX XXXX asking me for the rent when I called them back to tell them about me or my son going to pay the rent they said it was ok. My son went to pay and they didnt accept the money and they said everything went to the trash The next day after calling them the maintenance man from this complex get into the apartment while we were out and throw away all our stuff, we didnt got a 30 day notice according with the law and the manager start threatening us to take us to court when I said it was illegal what they did, then she decided to send us to report into the credit agency, and she reported more than {$5000.00} by XXXX, that was completely illegal and not fair. I attached a copy of the two letters, then I tried to dispute this account with TransUnion and XXXX and they did not fixed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN DISPUTE DEPARTMENT XXXX XXXX  XXXX XXXX, TX XXXX Dear Experian There is information on my consumer report that is a result of identity theft. 
I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact b me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XX/XX/2023 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You
Product: Credit card

I bought a card and kept it for use now I cant found any money on the card when I need it I want you to help me get my money back on my card
Product: Debt collection

On XX/XX/2018 at XXXX XXXX on saturday I received a voicemail from XXXX XXXX from orion management group. They said it was urgent and to call as asap. So XXXX I called back and spoke with the agent. He then proceeded on about a collection I have through XXXX  credit card. He told me that he has on file that they tried to call me about the debt and that I replyed bavk " just sue me '' I told him that I never received a phone call from them nor did I ever say to just sue me. He then proceeded on to me that I am going to recieve a court summons on Monday. He told me that he is working on behalf of there companies lawyer. He then went on to tell me that if I settle this debt for {$500.00} then they will stop the summons. I then told them that i can pay the {$500.00} on the XXXX, but he wanted my debit card information right now so he can put a ach debit for the XXXX. I then told him I can not do that because I've done that in the past and they illegally tried to withdrawal {$5000.00} in my account, and that I had to hand my account t over to fraud and close it. He then went on to tell me that that isnt his problem and that I have no other option. He then threatened to contact my employer in which I told him that I don't take personal calls at work. He then said again that he will be contacting my employer and that if I'm not willing to give my debit card information right then and there then I will be getting a summons on Monday. I am currently trying to get this all situated as this is a collection account t I don't recognize. I have documentation stated that my information from my background investigation for the military has been hacked into and stolen. I have a letter from OPM amd the federal government. I'm just very careful as I want to make sure this is truly mine and if it is this gives them no excuse to treat people like this and try to harass and intimidate people by misleading them and having very shady collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX capital one offered me a new master credit card, I already had master card with capital one in great standings> I was told the new credit card will not have an impact while running mt credit. In other words in ll be a SOFT inquiry not a HARD one. I agreed and I was approved for a 2nd master card. In mid XXXX I received a letter from Capital one regarding financing my existing auto loan and also this process will not effect my credit as the process will be ran with a SOFT inquiry not HARD. I did apply for the refinance loan, I got approved however I did not go ahead with the finalization with the loan. On XX/XX/XXXX I looked at my XXXX credit report and I found out that Capital one was not honest about the soft inquiry with the master card but was honest with the soft inquiry regarding the auto loan. I was not happy to say the least. I immediately contacted capital one supervisor to understand the misinformation I was given and why Capital one would do a soft inquiry on a $ XXXX loan and a hard inquiry on a {$1500.00} loan credit card??? The supervisor had no answer for and made it clear she can not speak for the auto loan credit department and gave me no one to speak with further except she did offer me to file a complaint against capital one. I am attaching a copy of the hard inquiry with XXXX along with a copy of the auto loan offering showing no impact on my credit. If I had known the 2nd master card will be ran with a HARD inquiry I would not had accepted the offer. I already had a higher credit master card and certainly did not need the 2nd card.