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

I'm writing to discuss my significant worry regarding the challenged records recorded on my credit report. I have as of late drawn these slip-ups out from the shadows and have at least a couple of times referenced a comprehensive assessment. Regardless, no matter what my consistent undertakings, I actually really can't get any objective or therapeutic action. 

These mixed up records are genuinely impacting my credit report and are basically demolishing my ability to have a normal presence. The antagonistic result of these slip-ups has caused colossal challenges for me, and I'm left with no choice aside from to search for your close by assist with rectifying what's going on. 

I empathetically request that you lead a comprehensive assessment concerning the specifying of all of these challenged records. It is essential that the crucial advances are taken to revive and change my credit report right away. With your help, I want to restore the accuracy and uprightness of my credit record, allowing me to recuperate control over my money related success. 

I genuinely request that you offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue quickly would be colossally important. 

Much gratitude to you early on for your appreciation and help.
Product: Debt collection

ALLY FINANCIAL has failed to pick up the XXXX XXXX XXXX that my husband and i had financed. They keep reporting as a late payment to my credit. Even though this vehicle was included within my husbands bankruptcy. The vehicle was approved and discharged in XX/XX/XXXX from the bk and they still have not come to get it. They continue to report its late and that we owe. I was told that due to us being married and a marital property state they should have come to get it and stopped all collection attempts and adverse notice on my credit. They have not. I spoke to XXXX XXXX XXXX  on XX/XX/XXXX trying to get this taken care of and it still hasn't been.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Charge Off/Collection accounts : Company Name : XXXX - Account # : XXXX - Balance : {$0.00} Company Name : XXXX - Account XXXX : XXXX - Balance : {$5700.00} Company Name XXXX XXXX  - Account # XXXX XXXX - Balance : {$0.00} Company Name XXXX XXXX - Account # : XXXX - XXXX : {$15000.00} and Unauthorized Credit Inquiries Company Name : DEPT OF ED XXXX Date Of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX - Date Of Inquiry : XX/XX/XXXX XXXX Name : XXXX  - Date Of Inquiry : XX/XX/XXXX Company Name : XXXX XXXX Date Of Inquiry : XX/XX/XXXX Company Name : DEPT OF ED - Date Of Inquiry : XX/XX/XXXX Company Name : XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Company Name : XXXXXXXX XXXX  - Date Of Inquiry : XX/XX/XXXX
Product: Debt collection

Hello! My name is XXXX XXXX on XX/XX/2023 I pulled my credit report so I can see what was on it. Im looking into fixing my credit and noticed an unknown collection on my credit report I dont recall having this account. I then sent PORTFOLIO RECOVERY SERVICE and XXXX XXXX XXXX a debt validation letters via certified mail on XX/XX/2023 with a return receipt. I received nothing what I asked for I only a received an itemized billing statement with an addressed thats not associated to me. I ask for proof I agree to this debt with my signature, proof of the amount they claiming I owe is correct and legal, which require all statements and payments history from original creditor. Proof the amount is within the statute of limitation and has not expired. Proof you are the owner of this account, which will require the contract and terms between them and the original creditor. Proof that they are legally licensed, bonded and insured if applicable to collect this debt in my state. For verification purposes, I will need their business license number. They failed to send my requested documents only thing they sent was a itemized billing statement. I then contacted via phone and ask why wasnt the documents I requested for validation wasnt sent. They said they only have what they mail me is a billing statement they brought from the original creditor and they dont have anything with proof with my signature on it. I feel like they have violated my consumer rights and failed to follow FCRA guidelines and also ignored my request to not contact me and cease and desist all future attempts contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report.
Product: Checking or savings account

On XX/XX/XXXX, I opened a Truist account with a {$500.00} bonus offer attached to it, and opted for electronic statements. On XX/XX/XXXX, I received an email saying the bonus would not be honored, without any specific explanation. At this time, I attempted to log into my account, at which point the online interface told me that my User ID was not recognized, which continued to occur when I tried again later in the week. Customer support wait times were in the 2-3 hour range and it was not possible for me to operate on this schedule. 

Given that I was told the offer wasn't honored and my account was no longer usable online, it seemed clear to me that my account was closed. However, on XX/XX/XXXX, I received a paper statement in the mail ( despite having opted for electronic statements ) indicating that I was charged both a paper statement fee and an account maintenance fee, totaling a charge of {$14.00}. This is unacceptable, particularly given my lack of access to the account because of Truist 's actions and the lack of availability of its customer service.
Product: Debt collection

Tat and Kirlin is trying collect some mysterious debt from XXXX  that I do recognize. 

Not only is this long beyond the statute of limitations, if this company is not fraudulent, is most likely due to the XXXX identity theft scandal from the early XXXX. 

They said I contacted them therefore I acknowledged the debt was real.
Product: Credit reporting or other personal consumer reports

To Whom it may concern, On XX/XX/year> I disputed XXXX accounts reported By Transunion in the file and they are XXXX XXXX # XXXX and XXXX XXXX  # XXXX that you maintain under my social security number # XXXX .I was informed on XX/XX/year> that the items was deleted from my Transunion credit report. Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ). You are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file puruant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means. I received no such notification.. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the items from my credit report in order to avoid legalaction. IN regards XXXX  XXXXXXXX XXXX
Product: Checking or savings account

Coinbase has decided to freeze my account and will not allow me to withdraw my funds from the " vault '' on their website. I got most of my money except for the XXXX BTC from it, which is a few grand, they will not release. 

I opened a complaint a couple of months ago and coinbase said nothing is wrong with the account, and that i can withdraw it anytime, and closed the complaint, WHICH IS NOT TRUE. REF - XXXX When logging in, it brings up a page saying they closed the account and to withdraw funds. Whenever trying to withdraw them to another bitcoin address, it freezes on " Loading '', all after typing the SMS 2FA code and the receiving address. 

PLEASE FIX THIS ISSUE. 

Thank you
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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Student loan

XXXX XXXX reportedly received a notice that I was enrolled in a professional program ( i.e. a XXXX XXXX program ). Without talking to me, they put my payments in deferment, which affects my status in income driven repayment and public service loan forgiveness. I did not want this. I wanted to keep my payments in the income driven repayment plan, and keep making my payments so I can get the loans paid off and get public service loan forgiveness. No one ever checked with me, they just did this and then sent me the notice. Their message stats that if I try to switch back, my interest will be capitalized ( current balance is {$440000.00}, so capitalization would put this over {$500000.00} ). I tried to contact them, but they do not return my messages. This all comes after I spent 4 months ( MONTHS! ) getting into the current income driven repayment plan. Additionally, their calculation of my PSLF payments is still incorrect -- they are off by more than 10 years now. No one is returning my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX M.O. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXXXXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I have called self several times in the last few months about my CLOSED credit card account. Self is reporting to the credit bureaus that the account is open and I owe {$170.00}. I am being told by self i only owe {$80.00}. It is also reporting as a late, open account although it is closed. I have asked them to fix my credit reporting and it has not been done. I have also filed several CFPB complaints as well as disputes with the credit agencies. All are being ignored and verified as accurate when CLEARLY no one is even bothering with the account. 

15 U.S.C. 44, as defined in IRS Publication 583, requires an explanation and resolution of the issues presented in the billing statements. I request access to both the account 's journal and credits, as well as the ledger and debits, to verify the current accounting and taxes related to this account. I want proof of who validated the debt and what method was used, proof of my contract with my wet signature, and put this account in do not pay, do not collect status with a billing error. 

Regarding 15 U.S.C. 1666d, if there is a credit balance exceeding {$1.00} in accordance with IRS Publication 583, it should be promptly credited to me as the consumer by check. This is a formal instruction under 15 U.S.C. 1666 ( b ) ( 2 ) to provide documentary evidence, including books of account as per 15 U.S.C. 44, to resolve this billing error. 

Furthermore, I am aware that under Title 15 U.S.Code 1666 ( e ), the creditor has legally agreed to forfeit all rights to collect on all past, present, and future disputed amounts when resolving this billing error. 

I hereby invoke my right as a consumer to withhold all past, present, and future disputed amounts pursuant to 12 CFR 1026.13d ( 1 ) and hold the creditor liable under 15 U.S.Code 1693m. 



Additionally, per 12 CFR 1026.13d ( 3 ), the creditor must not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised their rights under this section. Failure to comply may result in forfeiture penalties under 15 U.S.C. 1666 ( e ). 

In compliance with Regulation B 12 C.F.R Subpart B " Requirements Remittance Transfers, '' I have made a genuine effort to settle the disputed amount. Unfortunately, this attempt was rejected, leading to a discharge of the obligation to the extent of the amount tendered, including any liability of indorsers or accommodation parties, in accordance with UCC 3-603. 

Lastly, it's crucial to understand that under 18 U.S. Code 8 - Obligation or Other Security of the United States, the term " obligation or other security of the United States '' encompasses a wide range of financial instruments relevant to this matter, emphasizing the serious implications of non-compliance.
Product: Debt collection

The original creditor is exeter finance which the debt was in the amount of {$10000.00} on a car loan. exeter has reported my debt as a charge off and i never recieve a 1099-c form. After exeter put my debt as a charge off They sent my debt to XXXX management and they are illegally coming after me for a debt that been paid off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which | would like removed please ) : ( Previous / Incorrect Addresses ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX There should only be one address listed on my report, which is ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see Listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove inaccurate phone numbers as well as listed below : 1. ( XXXX ) XXXX Once you have deleted inaccurate names and addresses from my report, please send me a copy of my updated report. 

Thank you,
Product: Credit reporting or other personal consumer reports

Upon reviewing my Credit Report I have a charged off account from TOWER LOAN OF MS that is in accurately reporting to my consumer credit profile. Upon calling TOWER LOAN to inquire about the reason why the charged off account was reporting differently I was aggressively berated, called stupid, told I need to go back to school and called a thief. When I simply just wanted to know Why it is reporting differently on my Credit profile. 

I have no idea how they obtained my information I only recieved a check in the mail meaning a company I never heard of ran my credit without my knowledge and made me an offer violating USC 1681 ( q ) My XXXX credit report has payments issued in XXXX, XXXX, and XXXX, of 2023 My XXXX Report has no payments made My XXXX Report has no evidence of this debt upon disputing this pursuant to 15 usc 1681i I requested this be removed from my consumer report and was berated for it when I informed the agent for Tower Loan that the IRS considers charge offs income so it looks like they are trying to get paid twice for the same account, I was called stupid and a thief again. 

This debt is a clear violation of the Fair Credit Reporting Act, and the Truth in Lending Act, as well as the Fair Debt Collection Practices Act because TOWER LOAN Issued a court summons in 2023 and then charged off the debt in an attempt to be paid twice for the same debt they received income for according to the IRS Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

On or about XXXX XXXX I received a TD Bank Visa Card which I did not apply for. I contacted them by phone that evening and reported their error as I don't have and never did any banking with them so why would I apply for their card. Their claim was that this was that they had already marked the account as a possible fraud. On XX/XX/2022 I recieved a debit card from the same Bank, I tried to report it that evening but due to covid staffing and it being a weekend was unable to complete my call with them. On XX/XX/2022 I received a second Visa card from them having the same account information as the first. I again contacted them and this time was able to also speak to someone regarding the errant debit card. They have suggested I speak with you, SSA and Federal Trade Commision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have contact the Bureaus several times in regards to my Credit Profile. There is a lot of inaccurate information on my credit profile and is hurting my ability to obtain any credit or to move forward in several aspects in my life. I have contacted them about the incorrect information pertaining to my name, address and the accounts that i disputed with them. I never received information back from XXXX Nor Equifax the only bureau that sent me a letter in regards to my dispute was XXXX which never provided support documentation to my claim stating how the account was verified. I feel as though my consumer privacy rights had been violated and taken advantage of, I need this fix.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX Date of Charge-Off : XX/XX/year>XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The posting of a XXXX  consolidation loan has resulted in XXXX points deducted from my credit score. It is not a revolving account it is a installment loan.

Experian says they have nothing to do with credit scores and this instance. When trying to file a dispute online, none of the pages work. 

Error message says " Oops we are sorry '' call XXXX. The menu on the phone line doesn't offer tech assistance and one customer service told me they do not get involved with credit score questions.
Product: Credit reporting or other personal consumer reports

Ive noticed that your company has inquiries on my credit report that I never gave permission for.