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

I recently received a copy of my credit report and found that you are illegally reporting in accurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$180.00} XXXX XXXX ( COLLECTION ACCOUNT ) DATE ( XXXX XXXX ) XXXX XXXX BALANCE {$3300.00} DATE ( XXXX XXXX ) XXXX XXXX XXXX XXXX BALANCE {$7600.00} DATE ( XXXX XXXX ) This is violation of the FCRA and is also in violation of requisite METRO 2 Complaint Reporting Agency standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA METRO 2 COM : LAINCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliance and verifiable. I demand that these above-mentioned derogatory items BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XX/XX/year> {$0.00} owed By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Money transfer, virtual currency, or money service

Pay pal kept my money of {$4200.00} they have limitations on it that were supposed to be lifted after 180 of investigation for fraudulent charges or charge backs. I am my husbands representative payee and he filed for unemployment and had his checks deposited in my account bc he was /is having problems with his account. We are legally married and my husband provided the pay pal with a notarized letter stating he had his checks deposited into my account and he made me his representative payee. The department of labor was depositing his checks into my account and his childs mother and boyfriend called the department of labor and changed where his checks were being deposited and they recommended filing fraud complaint with the fraud department in the department of labor so he did now pay pal has had over 180 days on XX/XX/2021 tbe 180 days were up and they still wont release his funds. Please help us receive our funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, XXXX all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Product: Credit reporting or other personal consumer reports

I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 

15 U.S Code 1666b.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 or other personal consumer reports

I sent out dispute letters to each Bureau Experian, XXXX, XXXX regarding the inquires listed below. I also attached my FTC report I filed regarding these unauthorized inquires. They have not responded to me regarding this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached proof of my dispute letters to each company Experian, XXXX, XXXX and also The FTC report regarding the unauthorized inquires.
Product: Debt collection

Background of Complaint : In XXXX I entered into a private student loan with American Education Services out of Pennsylvania, while living in California, for the record the education loan was for my daughter. Per my student loan terms with XXXX XXXX XXXX the student loan for the minor. 

Without default, I paid this loan for a duration of 14 years prior to my lay-off and hardship experience during Covid-19 dated XXXX of XXXX, I was direcly impacted economically and applied for Unemployment therafter. I contacted legal-aid to discuss the commencement of a XXXX XXXX  as my funds had been exhausted and I forecasted not being able to have a means of earnings to pay for prior Creditors without being terribly in arrears. I started my Texas XXXX XXXX proceedings XX/XX/XXXX in my county of residence, with my Trustee assigned to me I worked compliantly to provide the lengthy steps and was issued by the XXXX XXXX XXXX Texas - XXXX XXXX a case number. I followed the steps assigned and I continued to make payments as Trustee requested until a formal letter was sent by the Court to all my Creditors including AESXXXX XXXX American Education Services/National Collegiate Trust ) for which my complaint is set forth to cease and desist.

During my bankruptcy case prior to discharge all Creditors were afforded two separate meetings to show up to deny any reason that in this bankruptcy case of hardship the remaining $ XXXX on the loan could not be written off. AESXXXX both of these organizations did not appear in either of the two meetings for Creditors to express concerns for not clearing this hardship debt nor did they reply to the Filing Deadline by XX/XX/XXXX to assert that I was not entitled to receive a discharge and motion that this discharge for the remaining loan be denied. 
The US Bankruptcy Trustee entered a final order of all debt discharge on XX/XX/XXXX and my case was discharged succesfully. 

It is now XX/XX/XXXX and I have had AESXXXX issue a lawsuit in the court of XXXX XXXX XXXX PA ( prior county I lived in during XXXX ) and I am appearing in court to defend myself against this predatory behavior. It should be noted that the Predatory actions of this private loan organization are illegal and this complaint should be followed up with this organization Timeline of Events Leading to XXXX XXXX 's Bankruptcy Discharge. 
XXXX. XXXX XXXX Loan for school received ( continued payments through ( XX/XX/XXXX ) XXXX. XX/XX/XXXX Laid off from sole job during Covid-19 hardships and loss of wages commenced this month XXXX. XX/XX/XXXX Utilized all savings and made payments on all debtors until destitute and proceedings entered for XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX XXXX to XX/XX/XXXXXXXX XXXX XXXX case was active and open all creditors were mailed by the court and Trustee provided Creditors two separate opportunities to present any extenuating reasons why Debtor should be not have any accounts discharged. 
XXXX. XX/XX/XXXX - XXXX XXXX Discharge for XXXX XXXX - Case Closed
Product: Mortgage

Hello, I am having problems with Citizens Bank. 
My original home loan amount was {$310000.00}. 
Due to the pandemic, I had to get a forbearance. At this point my loan balance was {$310000.00}. 
I have since deferred my loan and am now selling my house. According to my calculations, I have paid {$17000.00} in total towards the principle of my loan, and should owe less than XXXX. 

I called the bank to get a payoff amount and they said it was {$310000.00}. This is only {$1000.00} less than the original loan amount. 

The bank told me my payoff amount is about XXXX due to them adding {$14000.00} to my loan for the time I was in forbearance. 

I have called the bank several times only to get the run around from one department to another, as well as having my call disconnected several times, without anyone being able to justify why I am being charged so much. 

Please help me remedy this situation. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX INQUIRY : XX/XX/2022 THIS INQUIRY WAS PLACED ON MY CREDIT REPORT WITHOUT MY CONSENT. I AM WRITING TO DISPUTE THIS ITEM ON MY CREDIT REPORT THAT APPEARS TO BE INACCURATE; UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), I HAVE THE RIGHT TO DISPUTE ANY INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS INCORRECT. 

ACCORDING TO MY RECORDS, THIS ITEM IS INCORRECT AND SHOULD NOT BE ON MY CREDIT REPORT.
Product: Debt collection

My credit score dropped so I was notified and found a debt from Genesis Credit Management for an account that has gone to collections that I have no knowledge of and is not mine.
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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

I called to clear a judgement in Magistrate court. They asked for the file # and I told them there were two file # s, and I gave them both #. They claimed not to have found those numbers and asked that I give them my SS #, which I did. I told them that it was for XXXX XXXX and it was a filed judgement against me in XXXX County Magistrate court. I have the names of the people I spoke to at Aldridge, Pite, Haan on XX/XX/XXXX. I made a settlement of {$1700.00} on a {$3000.00} ( appx ) debt and the check cleared the bank on XX/XX/31. The very next week when I tried to get a letter stating that the judgement was final, they told me it was applied to another account. I asked for proof that was my acct they applied it to and they said they would ask the creditor to send me proof and I would probably get it within ten days. I can not get this cleared off my records, and I would like to know what legal ramifications there are for this type of scamming. Thanks
Product: Credit reporting or other personal consumer reports

I've sent correspondence to this company and complaints to try and get this resolved. 
I don't want my Transactions published on my consumer report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Inquiries : XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my report today ( XX/XX/year> ), and noticed some things are incomplete and not accurate. 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. Account ( XXXX XXXX account XXXX XXXX ) is not accurate. 

The opening date is not reporting accurately, Payment Status is not report accurately, date last active is inaccurate, and the comments are also inaccurate
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts, address, name that I mark as inaccurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent payoff check to collection company to have them update the status of the account, Company : Online Information Services, XXXX XXXX, XXXX, NC XXXX. 
My Check number XXXX cleared my bank on XX/XX/2019 : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IN XXXX.Company did not update my credit report as requested. Filed dispute with XXXX, XXXX XXXX, XXXX, PA XXXX. Recieved investigation results fromXXXX  stating investigation results verified as accurate. Thus my credit report was not corrected to show the account as close and paid in full and continues to show as active and in collection.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company is claiming that I owe a debt, but I have never had a relationship with Amsher Collection. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 2 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be reinvestigated and corrected : XXXX XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX  XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$990.00} ; XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} ; XXXX  XXXX XXXX Balance Owed : {$3400.00}
Product: Prepaid card

XXXX XXXX XXXX XXXX General Delivery XXXX XXXX XXXX XXXX CA XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXXClaim number XXXX claim amount {$100.00} Dispute transactions : XXXX transactions to XXXX and XXXX XXXX service that posted in error and should not be charged to my card. 
Complaint : the negative balance of my account is- {$100.00} and is a financial injury from the claim research worker decision to deny my claim for the missing information that is the fault of the claims workers initial notation describing the transactions being disputed might be missing or not done by the claims worker. The claims was denied for not looking for a statement that described the transactions as an unauthorized debit transaction it should not have been denied. The temporary credit should not have been reversed charging my account for the temporary credit. 
I want the resolved claim to be done to return the funds that will repay the temporary credit. Please resolve the claim in my favor right away with the payment payment of {$100.00}.