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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXX under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the start of the XXXX pandemic ( XX/XX/2020 ), the university requested that we left the XXXX area to ensure safety. As the pandemic worsened, this required me to relet my apartment since I could not return to in-person classes. As of XX/XX/2020, the XXXX on XXXX apartments sent me a bill of {$120.00}. As of XX/XX/XXXX, I notified them that I have delivered the check to them. 

However, they still reported the fact that I did not pay them the money for the relet fee, hurting my credit score. After this, I double-payed the relet fee in order to prevent further depreciation of my credit score. Now it is affecting me in my ventures to receive new credit cards and loans because of my low credit score. 

I explained this to XXXX and they decided to remove it from my credit score. XXXX and XXXX have not fixed the issue yet. I just want this to be resolved because the pandemic caused this error to happen, and it is not a situation that should affect my trustworthiness as a lender.
Product: Vehicle loan or lease

I officially refinanced my auto loan on XX/XX/22 with Upstart Network. Shortly afterward I made a personal decision to sell my car and was unable to because my VIN is non transferable, due to Upstart 'not having perfected ' the lien as of yet. They gave an expected title processing time for XXXX DMV when I contacted them, which would be XXXX weeks from XX/XX/22. I would call regularly to check on the status of this and customer service will have records of each call I made. Nearly each time I called, my time for processing expectations would be mismanaged or re-set in some way, even to the point of adding significant amounts of time. I was never allowed to speak to any type of supervisor or management and calls were never returned to me as promised. I made an initial complaint to XXXX on XX/XX/22 and this was the only thing that was able to get anyone who you would assume had any authority to respond from Upstart and explain that an error had been made and was now corrected and that the XXXX DMV would have the title from XXXX no later than XX/XX/22 now resetting the expected time to XXXX weeks again which likely will double the time for something that should be a really transparent and straightforward process. Something is wrong here and I am being ignored weather by intention or design. I am actually losing a lot of money because of this issue. I suspect that there is potentially fraudulent activity or some type of compliance violation happening within Upstart Networks who, 4 days after they received my first XXXX complaint, sent a message stating that my loan payment instructions had changed and they were to go here for future payments : Upstart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I don't know if this is a coincidence or not. But I thought it an interesting detail. I need this to be resolved and I would like Upstart to be investigated. I would like to hear from someone on this matter with regards to my title at Upstart and from someone at CFPB about the rest. Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, XXXX, EXPERIAN, and XXXX, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, XXXX, EXPERIAN, and XXXX on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where XXXX just removed my XXXX account all together, and XXXX  and EXPERIAN just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX I XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX XXXX  XXXX OHIO XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate
Product: Debt collection

I have recently been looking for an new apartment. I have been denied due to a judgment on my credit which was for an eviction for a property called  XXXX   XXXX . I was told that it was being handled by a collection company calle d UScollections West. I  called the property in  XXXX  to find out why they placed a eviction on my credit. I was informed by the lady at the office that they were new management and that there wer e two differe nt property owners who were no longer there and that they were no longer in business. I was told that I should call and talk with the collection company. I called  UScollections West and  talk with a man who said that they had signed documents from the court that I appeared and pledged guilty to the eviction. I advised him that there is no way they would have any documents that I signed and pledged guilty to any eviction and that I did not owe anyone anything that all monies that were owed was paid at the time of me moving out. I advised him that I had to show proof it was paid in order for me to get my new apartment that I moved into right after moving out of   XXXX   XXXX   XXXX  . He wanted to know if I had any receipts I told him no due to me not keeping anything past a year o r two  and this going back to  XXXX    XXXX  . He told me that I could pay {$5000.00} to settle the account. I told him the account on my credit was not even {$5000.00}. He then told me that I actually owed  XXXX . I told him I would not pay for that is not fair. He then gave me the court and attorney information. I called the  XXXX   XXXX   XXXX  court and was advised that there was not Junction filed against me and that there should be nothing on my credit. I filed a dispute with the Credit Bureau and was told that my dispute was denied due to the company saying it was valid. I filed another dispute with extra information and was told that it could take 30 days. I called  XXXX  on  XXXX   XXXX  and was advised that the eviction and judgment was removed off my credit however UScollection s West just ch anged the account to a collections account. I have been sent paperwork that has no signature of mine and I have no way of contacting the property management company due to them no being in business.
Product: Debt collection

Hello, I received a letter from McCarthy, Burgess and Wolff dated XX/XX/2017 stating that they would settle my past due debt for 90 % off of the full balance. Well that letter went into the mail a few days before XXXX, when most people are on vacation and out of town, so when I arrived back home, the expiration date of XX/XX/XXXX had passed by 1 day and I called to tell them this and they said tough despite only making me this offer over the one time of year when people are least likely to be home, especially someone my age. Then only one month later I received another letter for the same debt collector, but the debt had risen from {$3600.00} to {$5700.00}! How is this even possible in one month? They call me all the time and I've honestly been too scared to answer as Iv'e been using what little money I make to settle up other debts, trying to keep my life together. This debt is also for a school ( XXXX XXXX ) that was shut down by the federal government and lost all funding and credit, so my XXXX Student loans for the whole thing are also under investigation. It seems crazy that I should be forced to pay such outrageous money to an attorneys office for a school that doesn't even exist anymore.
Product: Vehicle loan or lease

I have had this auto loan since XXXX XXXX 2014. Every payment was made on time and I was never late on this account. On XX/XX/XXXX of last year, the car got totaled. My insurance company held the car. I made my XX/XX/XXXX and XX/XX/XXXX payments to remain current on my payments. However, the insurance company was going to be paying off the loan in XX/XX/XXXX of last year and I was told they would be paying off the balance of the loan and not to make a payment. 

The car was paid off but the car payment was made 18 days after the XX/XX/XXXX due date of XX/XX/XXXX. Wells Fargo put a 30 late payment on my credit report causing my credit score to drop 100 points. I called them and they admitted that the account was not 30 days late but only 18 days late as the final payoff amount was sent on XX/XX/XXXX of last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX # XXXX account number XXXX XXXX # XXXX XXXX  XXXX # XXXX 15 U.S.C 1681 section 602 A. states i have privacy rights.

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

Attempts have been made to all three credit bureau to remove and block account due to several errors and inconsistency in reporting information. XXXX, XXXX and Equifax fail to provide proof of investigation to validate inaccuracy reporting on my credit report. 

XXXX XXXX has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of XXXX  violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX are violating the LAW in regards to my consumer report. I haven't worked in one year because Consumer Reports violated the law therefore causing me not to obtain credit to get my semi truck leading to me losing out on a $ XXXX deal. This has damaged my life and I am not able to take care of myself or my children properly. I call XXXX everyday and can never get through. When I report it they always say there is a third party involved and that is not true. I am fed up with this. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; These accounts should not be on my credit report at all. 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 and this inquiry : XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include consumer report ( Credit Report ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card ( ID, Social Security ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

If these items are not removed from my credit report for any reason, I will hire a consumer lawyer and the consumer reporting agencies will be fined {$1000.00} per account.
Product: Debt collection

Aargon Agency contacted me regarding unpaid medical bills, which we the result of moving out of country. I promptly resolved the unpaid bills with Aargon ( XX/XX/2018 ), and paid extra fees ( total of {$76.00} ) for Aargon to remove the collection notice from my credit history. 

Instead of expunging this from my record they reported it to the credit agencies in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Credit Report Equifax, XXXX and XXXX the account and name and amount are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

EMAIL ADDRESS : XXXX MAILING ADDRESS : XXXX XXXXXXXX XXXX., XXXX XXXX, XXXX XXXX XXXX MD, XXXX While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and is also a clear indication that this information was NOT properly verified upon you receiving it. Equifax is reporting inaccurate information regarding my ACCOUNT STATUS with the following accounts ; <ACCOUNT # 1 : XXXX XXXX  # # # # # XXXX : EQUIFAX has the ACCOUNT STATUS as CLOSED ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as OPEN> <ACCOUNT # 2 : XXXX XXXX XXXX XXXXXXXX # # # # # # # # XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 3 : XXXX XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as CLOSED ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as OPEN> <ACCOUNT # 4 : XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 5 : XXXX XXXX XXXX XXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 6 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> <ACCOUNT # 7 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the ACCOUNT STATUS as OPEN ; however, XXXX has the following info claiming to be accurate, ACCOUNT STATUS as CLOSED.> If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately.
Product: Money transfer, virtual currency, or money service

We were Profiled, Discrimated Against, Mistreated, and Declared Guilty of Fraud without any evidence and told to leave. Unbelievable! 

We were depositing a cashiers check from the sale of a house. Truist bank declared it fraud without doing due diligence. 

Truist declared us fraud without any evidence! The XXXX XXXX cashiers check was good and the funds are still waiting! They charged us a {$96.00} overdraft fee for an account that has never been overdrawn! They have not helped at all at resolving this situation. They just told me I was not welcome at Truist any longer and closed my account. 


Please refer to attachment...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I recently ran a Credit Report on XXXX  and noticed two accounts that were Fraudulently opened in my name. Accounts with these two Credit Unions indicate balances owed and late payment history. As a result, my Credit Score is severely impacted and affecting my ability to qualify for loans. As I did not open these accounts, I am working with the individual Banks to close the accounts and restore my credit ( Formal complaints attached ). Any help to resolve would be very much appreciated. Thank you. 


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

XXXX XXXX XXXX has failed to comply with the law and is in fact breaking the law Defamation If applicable, I believe the content violates my rights under state defamation law, which protects individuals from false statements that harm their reputation. Under California Civil Code 45, defamation occurs when false statements are made with the intent to damage someone's reputation.

Right to Privacy Under 42 U.S.C. 1983, I am requesting the removal of any content that constitutes an unlawful invasion of privacy, which may include the disclosure of private personal information or violations of General Data Protection Regulation ( GDPR ) principles, if relevant.

I affirm that the content in question infringes my rights, and I request that you immediately remove or disable access to this content in accordance with your legal obligations under the DMCA and relevant state laws.

Please provide confirmation that the content has been removed within [ number of days, typically 7-14 days ] from the date
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Mortgage

XX/XX/XXXX : A notice of errors was submitted via XXXX since SPS mentioned that we can not apply for a short sale because of the auction date. 

XX/XX/XXXX : Select Portfolio Servicing said we can not be reviewed for a short sale since we have an upcoming auction date on XXXX however we met the 37-day guidelines and had over 60 days from this date. 

XX/XX/XXXX : Docs have been received- they are unsure if a short sale is an option- under review - will call back on Thursday. 

XX/XX/XXXX : Adjournment done. New sale date its XXXX. Lets resubmit Emailed and Faxed the following to SPS THIRD PARTY AUTHORIZATION REQUEST FOR MORTGAGE ASSISTANCE BORROWERS FINANCIALS REALTOR LISTING AGREEMENT BUYERS PURCHASE AGREEMENT BUYERS MEMBER DOCS BUYERS PROOF OF FUNDS HUD1 / SETTLEMENT STATEMENT XX/XX/XXXX : The auction date adjourned to XX/XX/XXXX XX/XX/XXXX : Hired attorney to adjourn sale date. 
XX/XX/XXXX : Called SPS This file has a scheduled foreclosure sale date of XX/XX/XXXX. 
SPS will not review for a short sale because of the upcoming foreclosure sale date. 

XX/XX/XXXX : Emailed and Faxed the following to SPS THIRD-PARTY AUTHORIZATION REQUEST FOR MORTGAGE ASSISTANCE BORROWERS FINANCIALS REALTOR LISTING AGREEMENT BUYERS PURCHASE AGREEMENT BUYERS MEMBER DOCS BUYERS PROOF OF FUNDS HUD1 / SETTLEMENT STATEMENT