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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XXXX 2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch 22, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XXXX of 2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XXXX, XXXX and again in XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ihavesent3disputeletterstobothXXXXXXXX,XXXX,Capitaloneand3creditbureausinregardstofailuretoverifymyaccount.TheyhavecontinuednottoprovidemecopyofANYoriginaldocumentation(aconsumercontractwithmysignatureonit)asrequiredunderSection609(a)(1)(A)&Section611(a)(1)(A).Furthermore,theyhavefailedtoprovidethemethodofverificationasrequiredunderSection611(a)(7).PleasebeadvisedthatunderSection611(5)(A)oftheFCRAyouarerequiredtopromptlyDELETEallinformationwhichcannotbeverified.Theycontinuetosendmetoaccountstatementswhichisnotaproperformofverificationofdebt.
Product: Vehicle loan or lease

My loan for a XXXX XXXX  XXXX XXXX with USBank was paid off via a wire transfer from my buyer when I sold the boat. I called and spoke to two different reps from USBank that instructed me on the proper steps necessary to have the wire sent to payoff my loan and to request the additional funds ( sales price exceeded the loan amount due ) to be sent to me. The day the wire was sent, I was told the overage could only be returned to the sender of the wire ( my buyer in this case ) even though I followed their instructions to a T. I have spent close to 10 hours on the phone trying to get my money back from USBank to no avail. They closed my loan, mailed me the title to the boat ( but not the trailer ), yet still cant tell me where the {$8200.00} they owe me is. My buyer is a banker and has not received a return wire and USBank confirms it has not been sent. The original loan that was paid off was {$93000.00} via a wire for {$100000.00} on XX/XX/XXXX. The difference is due to me ASAP. Not only should they pay a per diem for this time frame, I should Be compensated for the HOURS spent on the phone getting the run around from the bank. Absolutely unacceptable for n every regard. I even had two different managers hang up on me today after being on the phone for nearly 40 minutes each time! US bank has been a dismal company to deal with through this whole ordeal, and I will never use them to finance anything ever again. Learn from my mistakes, and find another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aidvantage has been reporting inaccurate information in the form of 7 accounts, different amounts and dating back as afar as XXXX of XXXX. There is only payout information on the report starting in the year of XXXX. XXXX has to be an elaborate mechanism as evidence by the lack of accuracy in my report. May this also stand as a formal request of " VALIDATION " of a debt to Advantage, as provided in the Fair Credit reporting Act. I am requesting to see any and all contracts with my signature as well as the ORIGINAL INSTRUMENT OF INDEBTNESS. If these accounts can not be validated, then they must be deleted Done in Good Faith XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information on my report and the company did not remove it. These accounts are not mines. I demand that the following accounts by removed. This is affecting my creditworthiness, Ive disputed these accounts and they should be removed immediately. 

XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Dear sir, I have noticed that I have received two emails from your company resolution specialists to my address, XXXX. The sender address of both is XXXX. The one is from XXXX. XXXX XXXX on XXXX on XX/XX/24. Another one is from XXXX XXXX XXXX regarding XXXX on XX/XX/24. Same as another complain ID, I can not find out the message or whatever in my Bank of America online website account, I decline to contact with them. From the beginning, I can not understand why every time new person contact with me with the issue which I can not understand and check through the company portal. If the person in charge will clearly state in written form the concerned issue, I will read and consider the matter in issue ; therefore, please prepare the written form officially for the consideration. 
Sincerely,
Product: Credit reporting or other personal consumer reports

this XXXX ACCOUNT WAS OPENED FRAUDULENT AND SHALL DELET FROM MY CREDIT REPORT.
Product: Consumer Loan

Went to lendingtree.com and checked on auto refinance rates. Provided our name, address and phone number and current auto loan interest rate and amount currently owed. Then the next day MANY companies pulled our CREDIT Reports. 
We DID NOT Apply for Any Loans with any company. We DID NOT Authorize unknown companies ( never heard of them before ) to pull our CREDIT Reports. 
This is a SCAM that has hurt our credit and we DID NOTHING Wrong and did NOT apply for any loans with anyone. We have contacted the credit bureaus ( XXXX, XXXX and XXXX ) but they give us excuses and are all hesitant to start disputes for these unauthorized credit inquiries. Our credit score is lower now due to all these Unauthorized Credit inquiries. This is VERY SERIOUS. Someone needs to Help and not allow companies like Lendingtree.com to allow lenders they associate with to be able to pull credit reports without AUTHORIZATION. If we DO NOT apply for a loan then our credit information is PRIVATE and any fly by night company should not be allowed to pull credit reports. Each time a credit report is pulled we loose XXXX points on our credit scores. So if Lendingtree gives out information to say XXXX companies and they all pulled our credit scores then we would loose XXXX points on our credit scores each. This is horrendous since it takes forever to improve a credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries are correctly reported and are accurate but I was told they all should be removed. Those nine inquiries should have been wiped from the report months ago like I was told they were going to be. They have approval to be removed. They remain on there despite being assured by an agent that they will be taken care of. They should be whiped ASAP as it is holding up my other credit endeavors and is preventing access to future credit opportunities.
Product: Debt collection

I recieve threathening phone for a debt that is not mind. The company who claims I owe a debt is Southern Management Systems. The original company that claims that I owe debr is XX/XX/XXXX in the amount of {$5500.00}XX/XX/XXXXXXXX XXXX, XX/XX/XXXX I have disputed charged on XX/XX/2020 and XX/XX/2020 and was told debt was verfied. This is causing a hardship on my ability to move forward with my credit.
Product: Debt collection

Apartment complex automatically renewed lease after having written them to close lease at the end of original terms. The complex never did so, a few months later I received a letter from a dept collector in an attempt to collect this debt that I was not away of. Since I had wrote the originator of this debt telling them I would not be renewing. I then wrote the collection agency request ion information of verification of the debt, however I never received any information back from the collection agency. I have never received any calls or attempts to colllect this, so I thought the matter was closed until I saw it on my credit report. Now, it shows on XXXX different credit reports under XXXX different names.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has misinformation about half of all my credit cards. looks like theyve gotten mixed up with which credit cards are which. ive asked to increase my credit limits on some cards and because Transunion has the wrong info on my credit report i dont get the increases as i should.
Product: Student loan

I have been paying on the loan for years, and noticed that as I have made payments, they have not been paying to the loan options I wanted to. when I contacted them, they said htey would correct it. I had to call back at least for 3 months in a row for them to readjust how I requested to have my loans scheduled. They also started, out of the blue, posting all my payments to one loan, and none to the others, causing me to get fees. I had to call them each month to make they repost the payments to the correct loans. I also talked to them about how I noticed my interest is not going down on my loan. I have made substantial payments to the loan to get them paid down, and it looks as if the interest amount has not changed as much. This year alone on one of the loans, I have paid over 3k, and my interest has only gone down by approx {$5.00} ( loan started at a little over 7k at the beginning of the year and now is paid down to about 5k. after arguing with them for over a year, I started paying using thier website and forcing it to pay towards the loans of my choosing. after looking thru the payment history, it looks as if the interest is still not posting correctly. I do n't know how to calculate it or to tell for sure, but it just does n't look right. whenever I call to ask them, they can not explain to me how it is calculated. I will be glad to send you any information on my XXXX payments that you want.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized heart inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing. 
XXXX is also the other credit Bureau with iquiries Below : ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

Several times in the past week, Recievables Performance Management LLC has contacted me before 7 am.  The people calling can not even communicate ( though I asked where they were from and what it was about repeatedly, I could never understand until I got a letter a few days later ). Furthermore, the supposed debt they are trying to collect is completely bogus, but that 's for another complaint.
Product: Credit reporting or other personal consumer reports

The account open date it's incorrect it show XX/XX/XXXX that account was open on XX/XX/XXXX XXXX
Product: Credit card

I was disputing charges with golden one that were made out of state and they never were investigated, just charged off. They continued to accuse me of the charges and never provided any proof to cleared my name of them. I asked them several times to prove that I made the charges, they refused and just continued to harass me and eventually while promising to investigate ended up charging it off. 

This creditor and furnisher has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
Product: Debt collection

Aargon Collection Agency ( ACA ), is an unlicensed ( per state of The State of Georgia XXXX ) debt collector who has illegally accessed my credit report without my express consent, authorized signature or by court order. They have attempted to collect a debt without stating the amount, used unfair unconscionable means to collect or attempt to collect the alleged debt, used false representation or deceptive means to collect a debt or obtain information about a consumer. Please assist me with this debt collector with unscrupulous behavior.
Product: Checking or savings account

FRAUDULENT ACTIVITY OCCURED WITH MY CHECKING ACCOUNT. I WAS AROUND SOMEONE ( NAME, ADDRESS AND PHONE # PROVIDED ) WHO WITHDREW {$2000.00} FROM MY CHECKING ACCOUNT FROM XXXX XXXX IN DELAWARE. I WAS NOT AWARE OF THIS PERSON GUESSING OR KNOWING MY PIN # TO WITHDRAW FUNDS AND ALSO DID NOT AUTHORIZE THEM TO USE MY CARD WITHOUT MY PERMISSION. DUE TO MY PIN BEING THE SAME FOR MY CARD AND PHONE, THEY WERE ALSO ABLE TO SEND FUNDS VIA XXXX XXXX  IN THE AMOUNT OF {$1700.00}. I REPORTED AND FILED A POLICE REPORT WITH XXXX POLICE DEPT. AND DETECTIVE XXXX CAN BE REACHED FOR CONFIRMATION. I SHOULD NOT BE HELD RESPONSIBLE FOR SOMEONE USING MY CARD WITHOUT MY AUTHORIZATION. I WAS NOT AWARE OF THIS UNTIL I CHECKED MY CHECKING ACCOUNT. THIS PERSON ALSO STOLE MY PHONE IN THE PROCESS, WHICH MADE IT HARD FOR ME TO MONITOR ANY TRANSACTIONS THAT OCCURED WITH MY DEBIT CARD. 

I HAVE BEEN A NAVY FEDERAL CREDIT UNION MEMBER FOR YEARS AND HAVE NUMEROUS CREDIT CARDS, LOANS, AND ALSO CDS. ITS VERY UPSETTING TO KNOW THAT MY CLAIM WAS DENIED. I WORK EXTREMELY HARD FOR MY MONEY AND TO ALLOW SOMEONE TO TAKE IT FROM ME IS ABSURD.
Product: Credit reporting or other personal consumer reports

Hello United auto credit Im writing you again til I get every problem situation and corrected as of XX/XX/2024 my account has been charge off Ive should of receive my 1099-c form to file gross ordinary income and income dose not get reported as debt because the charge off process changes debt into gross ordinary income as stated by the IRS. This account is inaccurate.
Product: Credit reporting or other personal consumer reports

I have reached out and know they have been giving n denying me credit. I have been victim of identity theft and accounts being hacked. There is a lot on my credit that shouldn't be there and have been dealing with this for 3 years and has effected my life.
Product: Checking or savings account

So on XX/XX/XXXX I call to chime bank because my employer sent me my paycheck to the account ( account and routing number given to me by chime bank on a pdf ) but I never receive the payment I call my employer and they tell me the money came back and gave me a check I call chime explain that to Them and one more time they send a pdf and tell me next my money was gon na get to my account so I send that to my employer and on XX/XX/XXXX my next paycheck was supposed to come but it never arrive till today I call chime on that date and they tell my money should be there by Monday I wait until money but on the mean time I call my employer and they send me a copy on the wired transfer ( I was told by chime they accepted that money ) on that copy it was saying pending and I told them that and they told me to wait until I was complete and never told they didnt work with that kind of transaction the bank that people send me the money it was from XXXX I have XXXX  XXXX and they care I got no money and I dont want to do I neeed to eat and they give me my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit repair company has failed to investigate and delete the accounts requested to be deleted due to being inaccurate.
Product: Credit card or prepaid card

I have an American Express with rewards of air miles. Ive never used the Miles and have nearly XXXX. When I tried to book a flight the program would not let me. When I called customer support they said there would be a NINE hour wait, so there is no customer service. I tried to call XXXX and they said they could book a flight but I could not use my miles. 
This appears to be false advertising because they are not offering what they said came with this card. They gave no answers for anything. 
I can only think maybe XXXX has gone bankrupt, but they could tell the customers the truth.
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized inquiries from XXXX XXXX XXXX XXXX as well as XXXX XXXX I didnt give written consent for my information to be furnished to the credit agencies. I need these inquiries removed immediately from all three major credit agencies Experian, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year>, as I was carefully examining my annual credit report, I discovered that IC System LLC had reported a collection action associated with my account. To my surprise, I had not received any prior notification from IC System LLC about this collection action, either before or after they reported it to the three major credit reporting agencies. This lack of communication left me concerned and seeking clarity about the situation. 

On XX/XX/XXXX, I reached out to IC System to clarify whether a letter had been sent to my mailing address regarding my account. During the conversation, I was informed that an email had been sent to the email address associated with my account around XX/XX/year>. They suggested checking my SPAM folder for any missed messages. Additionally, I learned that I had also been contacted via text message. Despite this information, I did not receive either form of notification. The lack of communication significantly hindered my ability to validate the debt and or pay the debt off before it was reported to the credit Bureaus. 

IC System assured me that they would be sending another letter on XX/XX/year>. During our conversation, we took the time to verify my email address before concluding the call. Despite this assurance, I have not yet received the promised letter, which underscores the critical importance of accountability in this situation. 

IC System informed me that they mailed a letter on or around XX/XX/XXXX, but I never received it. This failure to notify me has significantly hindered my ability to validate the debt or address it before it was reported to the credit bureaus. This situation is quite urgent and requires immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. XXXX and Experian removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX ( visit on XX/XX/23 ) billed me for {$28.00} on XX/XX/23 which was paid on XX/XX/23. They then billed me on XX/XX/23 for {$77.00} but the total charges are {$430.00} and the total payments are {$430.00} which equals XXXX so how can I owe {$77.00}? You can not bill for an amount due when debits and credits net to XXXX. Called XXXX  on XX/XX/23 they assured me my account was XXXX and sent me an email. I got another bill dated XX/XX/23 with the same amount due. I called on XX/XX/23 and asked for a supervisor and was told no they could help me and said the account would be reviewed by special claims. Then on XX/XX/23 I received a collection letter from NCC Nationwide. I contacted them and they noted the account regarding the dispute. I called XXXX  again on XX/XX/23 and asked again for a supervisor and was told that they didn't have any. That has to be a lie. Call Centers have supervisors. I was told the account was fixed and pulled back from collection. I asked for a new bill showing the account had a XXXX due and was told I would get an email with the bill. I have not gotten an email and I also got a collection call. I consider what they are doing to be called surprise billing and I would think this is fraudulent. I want to know why this has not been caught in an audit. If this has happened to me it has to others.