23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. Disputed Information Must Be Resolved : You are reporting items t
hat violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting or other personal consumer reports

I have been a victim of a data breach and victim of fraud and victim of identity death. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts XXXX, XXXX, and Trans Union along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law
Product: Money transfer, virtual currency, or money service

I started using Americor for my consolidation of my debt in XXXX of XXXX. 

I have been making my payments consistently and on time and have never been late or missed a payment of {$300.00} a month. 

I have been sending all notices and have been in communication with them consistently and promptly as requested. 

At the beginning of XX/XX/XXXX I was served a lawsuit from XXXX Bank being represented by XXXX XXXX XXXX. The plaintiff is listed as XXXX XXXX XXXX XXXX. The Case No. is XXXX. The paperwork is dated XX/XX/XXXX. I was served the paperwork, I believe on XX/XX/XXXX. 

I notified Americor of this issue who informed me that they are not lawyers and do not staff any. However, I should sent the required reply and notify them that Americor is handling my debt and will be handling my case. 

I sent in the letter to the court and on XX/XX/XXXX. I recieved a letter from the court indicating they could not accept my response unless i paid a {$130.00} filing fee. Since i have recieved this response so late, I believe another response or paying the filing fee by this Monday will be too late and the courts will determine I have defaulted for not providing a response within the deadline since they did not accept my initial response. 

Americor has been taking my money and has not been paying my creditors. This has resulted in legal action against me and Americor does not appear to be capable of handling or resolving the issue.
Product: Credit reporting or other personal consumer reports

I disputed XXXXXXXX XXXX prepaid card reported opened XX/XX/2023. XXXX XXXX, XXXX did not report the date closed for this prepaid debit card. XXXX reports this prepaid debit card as a secured credit card. XXXX does not report and original credit limit because the card is a prepaid debit card. Prepaid debit cards are secured credit cards. No security deposit was paid to XXXX to secure and credit limit and is reporting inaccurate information to the credit bureaus as a reporting subscriber. The previous investigation results are inaccurate and in violation of FCRA 15 USC 1681e ( b ) maximum possible accuracy, investigation results as updated, modified, verified or remains is not maximum possible accuracy of reported information, XXXX must report the date the account was closed, no info means that XXXX can not accurately verify the account.
Product: Vehicle loan or lease

I purchased a car, Mini XXXX, in Virginia in XX/XX/2023, from a trusted Mini dealership. I made it clear to the dealership/sales associate that I will be shipping the car to California in XX/XX/2023. The sales associate lied that if I buy a brand-new XXXX  Mini XXXX then they will be able to register the car in California without the smog-test. This is either a fraud or misrepresentation. The dealership could not register the car until XX/XX/2023 ( when the car got shipped to CA ). 

In the entire 6-months of dealing with the dealership at VA, I have sent ( mailed and emailed ) all the paperwork to register the car in California. Nonetheless, the owner of the dealership decided to yell at me ( use Caps-On ) for no reason at all ( after of course, the deal was done ). 

Last but not the least, the dealership asked me to pay the so-called CAs registration fees in XXXX ( which should have been either disclosed durning the time of sale or covered by the dealership if not disclosed durning the time of sale, in my knowledge ). 

This deal costed us : {$3800.00} in insurance, {$44.00}, XXXX in principal amount, {$5600.00} in shipping & maintenance and {$2800.00} in monthly payments. Nonetheless, instead of mitigating the matter with us, the " BMW BANK OF NORTH AMERICA '' delinquent'ed the account ( when I wrote a complain letter ) and took the car without any notice ( to either me, co-owner or my father, owner ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These companies .Failed Negligent Enablement of Identity Fraud 3. )  Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$710.00} XXXX XXXX XXXX - {$520.00} XXXX XXXX  XXXX XXXX {$4300.00} XXXX XXXX XXXX  XXXX - {$610.00} XXXXXXXX XXXX XXXXXXXX - XXXX - {$360.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$2400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX - {$660.00} XXXX XXXX XXXX  - XXXX - {$640.00} XXXX XXXX XXXX XXXX - {$9200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX regarding their attempts to collect debts from me without proper authorization. XXXX XXXX does not have a license to collect debts in the state of XXXX, and I have never had an account with them. Despite multiple requests, they have failed to provide proof from the original creditors demonstrating their legal authority to collect these debts. 

The accounts in question are as follows : XXXX XXXX  Account XXXX XXXX XXXXXXXX | Original Creditor : XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX | Original Creditor : XXXX XXXX XXXX  XXXX XXXX  Account XXXX XXXX XXXXXXXX | Original Creditor : XXXX XXXX XXXX XXXX Funding Account # : XXXX | Original Creditor : XXXX XXXX XXXX I have repeatedly requested validation of these debts, including documentation from the original creditors proving that XXXX XXXX owns the debt and has the legal authority to collect it. They have failed to provide this proof, yet they continue to report these accounts to the credit bureaus, negatively affecting my credit score. 

Since XXXX XXXX is attempting to collect debts without proper licensing in Virginia and has failed to validate the debts as required under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting

I received a printed credit report from Equifax and it appears to be correct. However, I first attempted to request a credit report online, on their website, the security questions did not pertain to me, therefore, I was unable to get a direct online report and had to request the printed version. I understand that Equifax provides the security questions for the Social Security online site also. Because those SAME security questions do not relate to me, I am unable to create a SS online account. I have tried several times to create an account and been locked out multiple times. Phone calls to both my local SS office and the national XXXX number have been of no help! Now I am wondering if someone has used my SS # to access a loan or was the information just recorded incorrectly. If this matter could be corrected, it would be VERY helpful.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my report.
Product: Credit reporting or other personal consumer reports

USAA charged off a credit account of mine XX/XX/2019. It is not being properly reported by XXXX as charged off per the mortgage lender. I called USAA and they confirmed it was charged off in XX/XX/2019, however that is not what they are reporting on the credit report.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still an account that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.

XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}
Product: Debt collection

EOS COLLECTIONS IS CALLING MY HOME, WORK AND EX SPOUSE THREATENING TO TAKE LEGAL ACTION AND SEND A SHERIF TO ARREST ME FOR AN UNPAID PHONE BILL WITH XXXX WHEN I NEVER EVEN HAD AN ACCOUNT WITH XXXX ... .. 
I tried calling EOS who first said they were missing my social # then they called my mother 's house asking for my social or they would arrest me, mom gave them my social now they are reporting this erroneous collection on my credit report and calling at odd hours of the day with rude threatening language. 
I also contacted XXXX who had NO NO NO record of this at all and had NO idea who EOS was. Please help me stop this illegal operation of EOS this should not be allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit 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
Product: Credit card

I was overseas and my card was fraudulently charged for {$400.00} and {$89.00}. Once I saw the charges, I tried to file a dispute, but CapitalOne does not allow online disputes and wanted me to call their XXXX customer service number. As I was overseas, I couldn't call the customer service number. I promptly called the number and filed the dispute. CapitalOne removed the charged and put it back in the on the same day. I then called them and was told since the card was tapped to pay, the wouldnt investigate it any further. The customer service agent XXXX with employee number XXXX whom I a spoke with on XX/XX/2023 XXXX XXXX  XXXX refused to help me or to transfer me to a XXXX. I have never been to the restaurant that is showing up on the transaction. I tried everything with CapitalOne. The only way they will help me is if I provide evidence, which I am not sure how to prove a negative. I asked them what evidence would I have to gather to prove and they wont give me a hint as to what they need. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit System # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.
Product: Credit card or prepaid card

My accounts two credit card accounts were showing on the mobile site as past due in late XX/XX/XXXX, although the accounts were current. I called Bank of America and they said there was an issue with their site and they would fix the display. 

The representative deleted the automatic payments that have been recurring for over a decade. I started to get calls from bill collectors. I called again on XX/XX/XXXX to fix this issue. THey promised me that they would reestablish the automatic payments and back dates the payments. That did not happen. I called again on XX/XX/XXXXand they told me that I had to make the payments again and setup the auto pay on line. They put a hold on my account for five days and charged me late fees. They did all of this knowing that their representative deleted the automatic payments. It is exhausting dealing with these people
Product: Credit card or prepaid card

I charged {$2100.00} to my Discover Card, payable to the TXXXX XXXX XXXX XXXX XXXX XXXX XXXXn XXXX, CO, after signing a contract with XXXX  on XX/XX/21 to eliminate a timeshare on which I am still currently paying maintenance fees. I called XXXX numerous times to determine the status of my contract with them, and finally was notified that the XXXX phone number was " disconnected ''. Emails to XXXX were returned, and their Web Site was no longer available. Finally after checking with the XXXX XXXX XXXX, I found a XXXX XXXX XXXX article that XXXX  was no longer in business and that customers were attempting to get their money back from that contract. I believe that the article mentioned that the Colorado Attorney General was investigating. 

On XX/XX/21 I received a " Notice of Chapter XXXX Bankruptcy XXXX... '' from the US Bankruptcy Court, US Custom House, XXXX XXXX XXXX, XXXX, CO XXXX, a notice that bankruptcy was file with the Bankruptcy Clerk on XX/XX/21. No services of any type were ever received from XXXX between signing of the contract and notice of the bankruptcy. 

I immediately notified Discover Card disputing the charge, and requested that this charge be eliminated, and my funds returned, all on Discover 's Online complaint Site. Initially Discover returned the {$2100.00}, but after an investigation, with a letter to me on XX/XX/21 Discover returned the charge to my card, with no explanation as to why the charge was found " to be not valid. '' On XX/XX/21 I sent a letter to Discover requesting that Discover reconsider my dispute, based upon an inability to reach XXXX through any means, and receipt of the Bankruptcy notice, a copy of which I submitted to Discover. 

I then received a subsequent letter from Discover Card that reasons for the return of the charges to my Discover account would be mailed. 

To date, nothing further was ever received from Discover. There has been no notice to me of a reconsideration of my dispute with Discover, nor a reason why there has been never been a reconsideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an account on my Equifax credit report that doesnt have an account number or creditor name. I called and asked for information and they refused to provide me with details.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX  XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a mortgage and came upon financial hard times ( bankruptcy ). We tried several options with the mortgage company. We settled upon a deed in lieu. The mortgage company is reporting to credit bureaus as a foreclosure.
Product: Vehicle loan or lease

I have a vehicle loan with 53.com. I setup automatic payments through their website but they do not seem to be withdrawing the funds, the amount shows as drawn from my account but my accunt does not show the funds being withdrawn. I have attempted to call their customer service numbers and use their opnline support but this seems to lead to nothing, there is no response regardless of what communication method I employ. The online customer service doesn't actually exist. There is no link on their website that will lead to a customer service chat or call. I have made several phone calls to their customer service support lines that are listed in various locations but they seem to never answer any requests.
Product: Student loan

AES refuses to assist me with a reasonable payment option for my ALPLN loan. I am not able to make the current amount ( it is an entire paycheck at my current wage ) and they simply state there is no other options. If the current situation continues it will cause great undue hardship upon me and my family. Take note that I have made timely payments since for years now. I sincerely asked that they provide me with any option and they stated I had used all my options. They offered to lower another loan amount ( only temporary of course and they make it sound like this option is there to help me of course its going to put a lot more money in their pocket ) but of course that would lead to paying a greater amount of interest on that loan leaving me worse off than I am currently. I want to repay my debt however they make it impossible, the interest rates are completely unaffordable. I soon as I feel like Im on top of this situation they pull the rug out! I have paid more than enough interest for them to tell me there is not an option is completely cutthroat on their part. If they truly cared about the consumer they would take into consideration the individuals income or help them by finding an interest rate that is affordable and profitable for the company. AES is taking away the future of the students it supposedly served to help obtain a solid financial future. The university I attended is XXXX University XXXX.