23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1.I have never had an account with this company XXXX XXXX XXXX XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are THE LAW OFFICE OF XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Student loan

I was an authorized user on this account. I filed a personal bankruptcy in XXXX and including this account. It is currently showing open and in collections. Also the company has reported to the credit agencies that the last deliquency was reported in XXXX which is also false. The last date of delinquency was in XXXX XXXX. It has been over 7 years, this item should be removed from my credit profile based on the all the facts above. 
1. I was an authorized user2. It was later including in a Bankruptcy3. It is pass the statue of limitation of 6 yrs to collect and 7 years for derogatory credit reporting. 
I have tried every I know how for several years to get this deleted from my credit file with no resolve. Please assist.
Product: Credit card

I checked my credit card account online on XX/XX/year> to verify that a payment had posted to my account. When I logged in, I found that my credit limit had been reduced from {$5000.00} to {$3000.00}. I had no idea why this happened since I've had this account for XXXX years with no incidence of issue or mis-use on any level. 

I called customer service and they told me that I had not been using my card to " capacity '' and that I would have to re-apply to re-instate my limit even though I did nothing to incite this reasoning. My request to have my limit re-instated was immediately declined. 

I have never had an issue of delinquency with this company ; they have simply decided to reduce my credit limit and at the expense of providing a reduction to my credit score in the face of their own malfeasance. No reason for them to do this ; I did nothing wrong except that I chose not to use their credit card with a high interest rate to some sort of maximum capacity. Apparently, I'm being told how and when I should be using credit and at whose expense ; obviously, mine. 

I closed the account immediately and want this company put on record for their actions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  account # XXXX violated my rights. 

I was looking at my Transunion credit reporet on XX/XX/year> and noticed several inaccuracies. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 1681B ( 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

XXXX XXXX  is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed transunion and XXXX are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report
Product: Credit reporting or other personal consumer reports

I have inquires that I do not recongize and which are not attached to an open account. I have filed an FTC report. I would these removed immediately. 
The inquires which I do not recognize 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. My only Phone number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed due to the XXXX data breach. I have been having issues every since.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against TransUnion Regarding Inaccurate Late Payments for Account Ending in XXXX Dear CFPB, I am submitting this formal complaint against TransUnion for failing to correct inaccurate late payment information reported on my credit file for CRB Sunlight account ending in XXXX. ** Despite submitting multiple disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, TransUnion has neither corrected the errors nor provided sufficient justification for maintaining these inaccuracies. This negligence is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other applicable consumer protection laws. 
Errors and Discrepancies in Reporting TransUnion reported the following inaccurate late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, XXXX reported no late payments, and XXXX failed to report any data for this account. These discrepancies clearly demonstrate that the reported information is inconsistent and inaccurate, significantly harming my credit profile and financial standing. 
Relevant Account Details Account Number : XXXX High Balance : {$7600.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Violations of Consumer Protection Laws FCRA Violations 15 U.S.C. 1681i : TransUnion has failed to conduct a reasonable investigation into my disputes and ensure the accuracy of the information reported.

15 U.S.C. 1681e ( b ) : TransUnion is required to maintain procedures to ensure maximum possible accuracy, which it has failed to do in this case.

TILA Violations 15 U.S.C. 1666b : Creditors are obligated to provide periodic statements at least 21 days before a payment is due. The reported late payments indicate a failure to comply with this requirement, suggesting a lack of timely notice.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes creditors ' responsibility to provide accurate and timely statements to consumers, which has been disregarded in this instance.

Impact on My Credit and Financial Well-Being The inaccurate late payment reporting has negatively impacted my creditworthiness, leading to unfair penalties and potential denials of credit. These errors are not only unjust but also a violation of my federally protected consumer rights.

Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the corrections once completed. 
If this issue is not resolved promptly, I will have no choice but to escalate this complaint further by seeking legal action and filing additional grievances with other regulatory agencies. 
Thank you for addressing this urgent matter. Should you require further information or documentation, I am available to assist promptly. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
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: Consumer Loan

The loan was made XXXX 2015 for around XXXX. However when I received the loan instrument It reads in bold letters at the top LEASE WITH OPTION TO PURCHASE however after reading the loan it was my interpretation to purchase the full XXXX would have to be paid then you would have an option to purchase for XXXX. Subsequently I refused to sign the lease. However Pacific Financing XXXX called me at least 30 times swearing the lease did n't read that way. So I agreed to sign the lease and supplemented it with an addendum clarifying the loan amount the interest rate and I had the option of paying the lease at anytime with the loan amount plus interest minus my payments. After I signed no copy of anything was provided to me. I contacted them in XX/XX/XXXX to finish paying the loan off and was told {$24000.00} at that point I stopped making payments. I am a XXXX person and they have sent men threatening me with bodily harm unless I paid. I contend the contract is void because they intentionally told me the contract said what it did '' t because the essential part of any contract is understanding. Furthermore they are using extortion methods to enforce a contract they swore they were not presenting. I feel this is a fraudulent contract with extortion to insure payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, an auto collision occurred where the XXXX XXXX was declared as a total loss by XXXX XXXX XXXX. The Loan was paid off within 30 days by XXXX and information was sent to Equifax, XXXX, and XXXX. The total loss was {$140000.00} The credit bureaus are reporting the auto loan as opened, with a balance, and a 30-day late for the month of XXXX. {$65000.00} The amount that is reported, when the loan should report as Closed/ Paid-Off/ XXXX Balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

RocketMortgage filed a derogatory credit default on mortgage without properly contacting me to resolve this miss due to their faulty auto-pay service. RocketMortgage used their automated robocalls ( just like common spammer ) to inform, but left no messages. As a consequence my credit score dropped from XXXX to XXXX prior to that one miss, I paid at least 150 % of the monthly payment every month. RocketMortgage made no effort to resolve any technical difficulties.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Experian advised they removed my personal statement and fraud alert. However ; a month later the statement and alert remain. On XX/XX/year> I received an update to my request to remove the alert and statement and they still remain. This is preventing me from getting an apartment
Product: Credit reporting

For 5 years Experian has refused to allow me my annual credit report by any method including online or by phone. They notify me of changes to my credit file ( for instance I recently moved ), however when I call the provided number to get an updated report they say they can not provide me with XXXX with the information I have provided. For 5 years I 've been told this ... & I can not come to resolution with them.
Product: Credit reporting or other personal consumer reports

Per their own terms and conditions each bank Ive dealt with stated that they dont share transaction history with third party affiliates as well as my SSN. I wouldve never guessed it would be each and every transaction and social that they would share with a company called early warning services. I have the full report Ill be uploading.

The law is clearly doesnt matter to the these institutions.

Privacy Act of 1974 5 U.S. Code 552a
Product: Vehicle loan or lease

Credit Acceptance Corporation is a vehicle loan company. They were just sued by New York for overcharging clients on interest rates. How do I file a lawsuit on the company from Illinois? 
I called to get my principal balance and I was told my interest rate fluctuates monthly even though I have a fixed monthly payment. Every month my interest increases. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This past XXXX my chapter XXXX bankruptcy was discharged. Originally I was going to reaffirm the car loan I had with XXXX XXXX. InXX/XX/XXXX I decided to turn the car in thru the bankruptcy rather then reaffirm the loan. Finally onXX/XX/XXXX they sent someone to pick up the car. I started checking my credit report and scores shortly after this and each time noticed that Prestige was still reporting that I had the loan and was behind on payments. I tried contacting XXXX and did a dispute and whe the investigation was complete it stated it was correct from the info they received from Prestige. I have disputed this on 3 occasions now. I have also contacted Prestige on 3 different occasions and each time the person i have talked with has said yes I was right and they would report it to there credit reporting department. Nothing is happening with this as it still is showing as a debt that is now more then 120 days behind. I have not had this vehicle since XX/XX/XXXX and would like this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i reached out to XXXX & Equifax on 3 occasions via letter correspondence to correct or delete the below account due to " Account Status '' Reporting inaccurate. on the following 2 accounts. 

XXXX XXXX XXXX XXXX Account Status reporting wrong and inaccurate. these 2 accounts where paid in full back in 2020 if you look at the attached current credit reports of mine you will see there many errors that are effecting my life. you can always fix your eyes on the comments that the actual Equifax and XXXX noted that the accounts WHERE PAID IN FULL. i just want the statuses updated to Paid and not Derogatory. as you can also see XXXX reported the account correct. on the XXXX XXXX account. i have wrote to both companies on 3 occasions and never got a response back. i had no choice but to submit a full complaint here with proof. i also want to point out on the XXXX XXXX account the payment history has been reporting inaccurat as well since XXXX of 2020 you can see on the report experian reported me ( CO ) but Equifax reported that i paid ( OK ) meaning on time. how is that so? how can i be late CO and OK at the same time. these inaccurate reporting 's are in violation and need to be removed from my credit reports. thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 

XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 


XXXX XXXX XXXXXXXX XXXX XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 

XXXX XXXX XXXX  XXXX Have submit for them to provide proof of investigation plenty of times and till this day have never got the proof. This should have fallen off my report years ago. 

XXXX XXXX XXXX  XXXX XXXX investigated this dispute and deleted this item from my credit report. Then transferred to other credit bureau reports under a different company. 

XXXX XXXX XXXX  XXXX XXXX investigated this dispute and deleted this item from my credit report. Then transferred to other credit bureau reports under a different company. 

Most of these accounts were already removed, and deleted from my reports through XXXX, Experian, & XXXX. Then a few weeks or months go by and they reappear as a different account on my credit reports. I have been resubmitting these reports for years and still no proof of investigations. 

Thank you for your time and help in this matter. 

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

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

Thank you for taking the time to review this comment. 

My name is XXXX and I am writing a correspondence to make a formal complaint against Financial Asset Management Systems. I have been called 3 times daily on a consistent basis. On the occasions I have answered the calls I was immediately asked to verify my social and full name.

I simply responded " Before I give away my personal information I would like a formal letter in the name verifying your business and the debt to be collected. '' I was then transferred to a manager who said they had sent me a letter. I have yet to receive a single peace of paper correspondence from Financial Asset Management Systems. 

These practices are not only unprofessional, but a clear violation of my rights under the FDCPA.