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

I have never had and or signed a loan with either parties, i have never signed with my signature with this company of any loan and or any terms, the old ownership of the dealership no longer there to resolve issue, i am preparing a lawsuit for small claims court for violation of several fcra and fdcpa violations, i am giving company 30 days removal of item otherwise will proceed forward with lawsuit with damages caused to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Experian, XXXX, XXXX Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXXXXXX. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair. 

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable XXXX Reporting an incorrect late payment undermines the fairness and equity intended by this law. 

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information. 

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy. 

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report. 

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected. 

**Requested Action : ** In light of these regulations, I request that [ Experian, XXXX XXXX XXXX XXXX investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Checking or savings account

Chase have a loud fraudulent activity to occur in my college account in the month of XXXX XX/XX/XXXX check deposit /cashed the amount of {$2700.00} XX/XX/XXXX check cashed the amount of {$2900.00} XX/XX/XXXX card purchases for {$360.00}, {$110.00} {$470.00}, {$390.00} & {$600.00} XX/XX/XXXX XXXX  XXXX XXXX for {$250.00}, {$250.00} & {$1100.00} XXXX XXXX  {$220.00} and {$150.00} XX/XX/XXXX Remote online deposit {$2400.00} XX/XX/XXXX XXXX XXXX {$50.00} XX/XX/XXXX Deposit I am retiring {$2700.00}
Product: Debt collection

I purchased cellphones and a cellphone plan with XXXX XXXX XXXX XXXX in our agreement i paid for unlimited service and the cell phones in installments all on XXXX plan XXXX payment per month. in the beginning of XXXX i attempted to pay my cell phone plan. instead of paying my service plan XXXX paid the cell phones off and disconnected my service. i assumed this was a mistake do to there automated system. i called and wanted them to fix the problem i explained that i did not authorize such payment. the payment i sent was to be applied to the service plan as agreed upon in contract and they would not fix this problem. 

I am a XXXX  and the phone number tied to this account has all of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i tried to just get the phone number and they would not agree to release the phone number to me. The phone that i purchased from them that is paid in full is still locked to this day so i had to purchase another one as well as service with another provider. Now as of XXXX they have furnished a XXXX collection account on my credit through convergent outsourcing without notifying me of such debt. i explained to them that i had no knowledge of debt. i don't understand where they get that amount from. i have attempted to get my payment records and original contract from them for proof and they are giving me the run around. 

I have reached out to both XXXX ( XXXX ) and convergent outsourcing to clear this up and remove it from my credit. XXXX ( XXXX ) has all of this in there notes as well as on recorded lines and through there mobile app. 

I have been dealing with these issues for over six months. My credit is damaged because of this. This has cost me money. they are causing stress in my life. this is interfering with my constitutional right of " life liberty and the pursuit of happiness ''. 

In accordance with the Fair Credit Reporting act XXXX  ( XXXX ) has violated my rights, 15 USC 1692g validation of debt, 15 USC 1692h they made a unauthorized payment not in accordance with my direction. 

Convergent Outsourcing XXXX, 15 USC 1692g validation of debt
Product: Debt collection

I have paid and settled the debt that portfolio recovery has placed on my credit report. I have received a document stating they are deleting the collection off my credit report but its still listed on my XXXX and XXXX credit reports. Im asking the company portfolio recovery to please remove the accounts in all its entirety from all 3 of the credit bureaus. Thank you look forward to hearing your response..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Milestone card expired. Contacted to inquire on when to receive new card. Was informed 2-3 weeks. Contacted XX/XX/2021 informed I had to request another card and to expect XX/XX/2021. Late fee placed on account that I can not access but am receiving late notices via email. Contacted to make payment and informed calling would require processing fee. 

Milestone has not provided replacement card for two months. Can not make payment online because they have blocked access. I am being required to pay a fee by calling in. Reporting late fee on credit profile when I have been attempting to obtain card and maintain payments.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. EXPERIAN UNATHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I am reporting the illegal buying and selling of credit points based off of an illicit illegal scheme of reprisals and deprivations linked to a federal case that i filed in XXXX linked to racketeering and biopharmaceutical fraud being controlled by agent XXXX XXXX, XXXX XXXX, and other agents operating out of various jurisdictions. I am receiving false and illegal credit score reductions and address alerts to XXXX XXXX XXXX XXXX XXXX XXXX. I am also receiving false alerts in my experian APP of these links to fraudulent accounts and synthetic identities with access to iphones and computers with illicit control of my identity and information for XXXX XXXX and XXXX XXXX and other personnel from the XXXX and other places that receive alerts to my complaints and my federal lawsuit. These individuals are acting illegally and illicitly with access to identity markings and my credit reports for retards and informants. They are deliberately perpetrating this scheme even thuogh they are not real and synthetic to cause and engineer situations for rats monitoring me illegally and receiving transcripts of my phone calls and text messages as the key of their international rat organization run by religion. This scheme is deliberate and in collusion with Experian. This is a way that they strategize and make me filer complaints and additional lawsuits to feed rats.
Product: Debt collection

Collection agency did not send out any information to consumet prior to reporting on consumers credit report. Violation of FCRA
Product: Debt collection

This correspondence is to notify MILESTONE there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''.

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, MILESTONE debt collection practices are in violation of the FDCPA. Please see attachment for further details.
Product: Credit card or prepaid card

Barclays has repeatedly reduced my credit limit on my card during the course of the pandemic - even as my overall credit score has risen and my income / ability to pay has risen. The team provides no preemptive notice of doing so - after a statement closes, Ill see this change to my available credit on my credit report.

I have multiple other accounts, have never missed a payment with Barclays, and have not even asked for a forebearance - and yet Barclays continues to target me unlike any other banking institution I work with ( XXXX, XXXX, XXXX, etc ) Each time I call and complain about this treatment, no one will provide me with any rationale why they of all banks think that improving creditworthiness = lower credit limit.
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. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 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: Mortgage

On XXXX XXXX, XXXX Nationstar sent me a letter requiring proof of my condominium unit owners insurance. My agent, XXXX XXXX forwarded that information to them. On XXXX XXXX, XXXX Nationstar sent me a letter titled, " PROOF OF INSURANCE RECEIVED. '' Beginning XXXX XXXX Nationstar increased my monthly mortgage payment by approximately {$400.00} claiming that my escrow account was short the amount that was required to pay for the insurance that my agent proved I had ( and their letter dated XXXX/XXXX/XXXX confirmed ). I did not pay this new mortgage amount ; instead, I paid the amount that I had been paying, {$2000.00}. For both the XXXX XXXX and XXXX XXXX payments Nationstar continued to charge the extra {$400.00}. I did not pay that money. For both of those months I paid my normal amount, {$2000.00}. Today, XXXX XXXX, XXXX I tried to pay my mortgage in the amount of {$2000.00}. Nationstar would not allow me to pay because they claim that I owe over {$3000.00}. On Thursday, XXXX XXXX, XXXX and Monday, XXXX XXXX, XXXX I spoke on the phone with representatives of Nationstar who assured me that they would take care of this matter. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 2 business days. The person I spoke with on XX/XX/XXXX said that it would be taken care of within 5 business days. This has not happened.
Product: Credit card or prepaid card

In XXXX of 2021, I purchased a tent and used my Paypal credit card to purchase. I never received the product and called Synchrony Bank/Paypal credit XXXX I have made numerous phone calls to Paypal credit trying to resolve this issue. They state that the retailer sent the product. I asked multiple times for Paypal credit to send me the tracking number, and that I would call XXXX XXXX myself to find out where the product is. After multiple attempts, faxes to the company that went nowhere, and numerous phone calls, I have no resolution. They are sending me statements and adding on ridiculous fees. I had asked them to send me directly to collections, since I have no intention of paying for an item I never received, and they won't do that. Instread they keep adding on fees for not paying the bill. Never received the product in the first place, and Synchrony was no help.
Product: Checking or savings account

Bank of America Holding My Money Causing Non-Sufficient Funds On XX/XX/2018, I transferred {$3400.00} from my Bank of America ( BOA ) checking account # XXXX to my BOA Over Draft Protection Account # XXXX. ( See Exhibit 1 ).  This shows Payment Date XX/XX/2018 but not credited until XX/XX/2018. ( See Exhibit 2 ). BOA held or froze the {$3400.00} in my checking account and I was unable to use this money, causing 5 Non-Sufficient Fund ( NSF ) BOA charges totaling {$150.00}, plus having late charges with at least 1 of my creditors. ( See Exhibit 3and Exhibit 4 ). BOA Account Detail shows the money was taken XX/XX/2018 and not XX/XX/2018. ( See Exhibit 5 ). If this was the case, then the {$3400.00} in my checking account should have be availably to use and I would not have these NSF or Late Payments hurting my credit score.
Product: Credit reporting or other personal consumer reports

I want Experian to remove items that are not mine due to identity theft. I made a report XXXX with the federal trade commission. Experian is not removing the items. Accounts to remove XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX that starts with XXXX, XXXX XXXX XXXX that starts with XXXX, XXXX  that starts with XXXX, XXXX XXXX XXXX that starts with XXXX, XXXX XXXX XXXX that starts with XXXX, XXXX  XXXX XXXX  that starts with XXXX, and I want all of my inquires removed due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Filed Disputes to the Credit Bureaus and it been well over 30 days and still have receive any investigation results.
Product: Debt collection

I got a call from this number XXXX at XXXX on Tuesday XX/XX/2021 from an XXXX XXXX XXXX to be a lawyer from Soutwest Mediation Services XXXX She asked to speak to me using my maiden name, and said I owe over {$2000.00} for a magazine subscription from years ago. ( I have never signed up for a magazine subscription! ) She said the company are threatening to sue me and damage my credit, but that she managed to get the fees down to {$310.00}. She asked to email me the payment document but did not have my email on file, and asked to clarify my current address. I asked why she didn't have my email on file if people had been trying to collect money from me and she couldn't give me an answer. I have seen many reports online of the same story from the same company, hopefully you can shut this down!
Product: Checking or savings account

Vanguard  will not release information on an account that I had set up with them years ago based on the fact that I do not remember the email address used on the account. I have verified that I have the correct Social Security number, the address used on the account and the name.  One  confusing factor here is that I am a  XXXX  but the account  may  not have that suffix attached to it.      Vanguard  has stated that since I can not remember the email address they will not give me information on my account. I honestly can not remember the email address used. Also since I no longer live at the address in question I have no way of getting statements that are supposed to come to me.     This is a problem since I can not get the account number so I can not update the account. All of this because I can not remember the email. The social security number is correct and is a more important detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  did not report the GAP Insurance company XXXX prorated payment of {$650.00} and received the check by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for 8 years and I have never lived in these addresses reported on my FICO report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( 8 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 641.1 Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : 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  Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

During covid XXXX XXXX continued to bill me without my knowledge. XXXX did not provide me with any documentation to support that they gave me prior notice, that I would still be billed despite a national crisis. This has deter me from purchasing a home and has stayed on my credit permanently. I reached out to XXXX several time to settle this debt so the late payments can possibly be removed. XXXX continued to deny my request. Per my previous request to XXXX I can settle the payments that were missed if they remove the history from my credit history.
Product: Debt collection

COLLECTION SERVICE OF ATHENS NEVER SENT ME A BILL OR INFORMED ME OF AN ACCOUNT WITH THEM I DID NOT GIVE OR MY CONSENT TO OPEN AN ACCOUNT OR USE MY SOCIAL SECURITY TO EXTEND FOR CREDIT WITH THEM, THEY ALSO VIOLATED MAY HIPPA RIGHTS BY MAILING SENSITIVE MEDICAL INFORMATION WITHOUT MY CONSENT
Product: Credit card or prepaid card

We owe Chase {$14000.00}. If we only owed  XXXX  at 20 % interest we would need 40 years to repay the loan. My wife is  XXXX  and her name is not  XXXX . We can not pay this loan in our lifetime. We called Chase on the  XXXX  of  XXXX  and talked with  XXXX   (   XXXX   )  and he said he could lower our interest to 6 %, payment of $  XXXX  /month but said  they decided not to help us. It was irresponsible of Chase to create an uncontrollable debt and refuse negotiation. It constitutes fraud on their part. I have both fraud and antitrust issues with them. I defaulted on loan.
Product: Student loan

Today XX/XX/year>, I received a notification saying that my student loan balance had gone up. Even though I'm in forebearance and shouldn't have any interest added. I'm with the service provider NelNet. I went to XXXX XXXX XXXX and the school closed before I could finish my degree