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

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format procedures ignoring to report. 

XXXXXXXX XXXX XXXXXXXX Account ID : XXXX The account is invalid and unverifiable. I demand that it be deleted from my credit report. 
If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit Reporting Act. Obviously, this incorrect account information can not be verified so therefore is absolutely must be deleted from my credit report or you will be in violation of the FCRA. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain financing.I already was denied by applying for a lease .That happened 3 times in a last 60 days already and I am financially hurt.
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these account do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2024 at XXXX AM I recieved a return call from a debt collector. I called a few weeks prior leaving a message with a number where I could be reached in order to set up a payment plan on an outstanding balance I owed. 

I would like to formally express my concern regarding the manner in which XXXX XXXX, a debt collector with Integral Recoveries, I recently communicated with, handled our discussion about the outstanding debt I owe. I felt unduly pressured into agreeing to a monthly payment amount that exceeded my financial capacity. During our conversation, XXXX XXXX informed me that, regardless of any payment arrangement, my wages would be subject to garnishment. 

I made it clear to him that I did not appreciate the way he conveyed information regarding my debt and the potential legal actions that could be taken during our negotiation process. Once I stated that I was aware of my rights and had done my due diligence, his tone shifted, and he began to behave in a more reasonable manner. 

At one point, XXXX XXXX suggested that I increase my monthly payment by an additional {$20.00}, on top of the {$100.00} I had already agreed to, in order to avoid wage garnishment. I repeatedly emphasized that {$100.00} was the maximum I could afford. He ultimately assured me that, as long as I did not miss any payments, wage garnishment would not be pursued. 

Overall, the interaction left me feeling distressed and uncomfortable. I would not want anyone else to experience a similar situation. Fortunately, I was able to reach a resolution with the payment plan, but the underlying issue remains : the unethical and misleading approach taken by the debt collector was both egregious and inappropriate.
Product: Debt collection

I got a loan from XXXX XXXX years ago, shortly after I got very ill and had to have XXXX XXXX which forced me to stop paying it bc I was XXXX and couldn't work. They turned my debt over to Mariner Finance whom I got an email from a couple months ago with a debt settlement offer For a {$1400.00} less than what I owe but only valid if I paid the remaining balance in full which I did. When I got my stimulus check I went to their office and paid them on XX/XX/2020 they told me that they couldn't give me a XXXX balance receipt until ten days after the check cleared but they gave me a receipt w the rest of the balance on there and said that they would mail me a final receipt in ten days once the check cleared or I could come back and pick up one in person. needless to say I went back today which is actually 17 days since I went and paid them and they said they still couldn't give me an accurate receipt bc they claim the check hasnt processed their system which is a lie bc its cleared my bank account. You would think they would be more cooperative w all this covid 19 pandemic going on
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX To whom it may concern I am in disagreement with the items listed below which still appear on my credit report even after your investigation.

Im writing to you in regard to Equifax Credit Bureau - Corporation ; I was rejected to get an account deleted from my credit report by your Customer Representative XXXX XXXX ; she says she cant do it and wont do it either. 

I am requesting a full investigation on this matter ASAP and requesting this account to be DELETE ; XXXX ) XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX # XXXX I received a copy of my credit report on XX/XX/XXXX ; Which contains errors that are damaging to my credit score. I am requesting the following items be completely investigated as each account contains several mistakes that need to be deleted from my credit report ASAP. 

Thank you in advance for your time. I understand that you need to check with the original creditors on these accounts and that you will make sure every detail is accurate. I also understand that under the Fair Credit Reporting Act, you will need to complete your investigation within 30 days of receiving this letter. Once you are finished with your investigation, please send me a copy of my new credit report showing that account DELETE from my credit report. 

I look forward to hearing from you as I am actively looking for a new job and wouldnt want these mistakes on my credit report to stand in my way. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX filed bankruspy XX/XX/XXXX they was unable to valdate the account XXXX  XXXX  XXXX had to delete the account then in late XX/XX/XXXX it was put back on credit report
Product: Money transfer, virtual currency, or money service

There were several attempts to use my cash app card for XXXX and I was overcharged for a transactions once they fix the problem the first time it happened again the next week, and I had to order a new card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  : {$2800.00} Total Phx Financial Services : {$4500.00} XXXX  XXXX  XXXX  : {$710.00} My medical information was shared with a collection agency, XXXX XXXX XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  I am being charged I've attempted on XXXX  occasions sending letters to XXXX  XXXX XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  for debt validation in XX/XX/XXXX and XX/XX/XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for Account Resolution Services, Phenoix Financial Services & XXXX XXXX  XXXX  to have authorization to collect a debt. Instead XXXX  XXXX  XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies in XXXX XXXX and XXXX XXXX explaining that XXXX XXXX  XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting balances and available credit for my account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX multiple months out of date. 

This impacts total credit utilization scores as my available credit is actually higher than reported, and they are showing that I still carry balances on this card when it is paid off. 

The primary issue is with the glacially slow rate with which they update account information with certain institutions, and it's impact on my credit score, especially given that I am purchasing a home, and this directly impacts the interest rate I qualify for, despite a 100 % perfect payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX, MT XXXX XXXX XXXX XXXX XXXXXXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

It's been a month since I've tried to correct my social security number and they've only sent me from one office to another I've sent them documentation twice and the first time they lost it I sent it back to them and they give me different answers it seems like they didn't know how to do it
Product: Credit card or prepaid card

I logged into my credit card app in XXXX, and it showed that my statement was XXXX so I did not make a payment. I was charged {$120.00} is interest in XX/XX/2023. I have always paid my statement balance to avoid interest when using my chase sapphire reserve credit card
Product: Debt collection

I noticed series of accounts on my report and received a letter from a company stating my information was involved in a medical breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I found out my info was fraudulantly used to obtain credit. I requested credit reports and to my disbelief, there were many erroneous and inaccurate info on my report. 
I filed a FTC ID theft affidavit along with proof of addresses that were not mine, names, XXXX and names.

15 U.S.C 1681 ( a ) ( B ) ( ( G ) ( H ) ( I ) Everything must me fair and accurate.

Transunion has violated my rights by Fraudulantly saying that they verified with creditor, creditor have deleted the erroneous accounts on XXXX and XXXX but Transunion refused to reinvestigate and instead updated the account but, with a new Account XXXX the very same account they deleted. I have not been able to receive any free credit reports from them, due to system unavailable for last 2 months, I have attached the FTC ID teft Affidavit to show the 2 original fraudualnt accounts that were deleted, and prove that XXXX XXXX  and Transunion Fraudualntly added the account again with a new number. 

XXXX XXXX XXXX XXXX XXXX is the same XXXX XXXX Account # XXXX that was fraudulantly opened and deleted along with another acount that was also deleted. 
XXXX XXXX XXXX XXXX XXXX is not mine, it's illegal to and a violation of my rights. 
Delete this account or I will sue for fraud, inaccurate and erroneous info my report.
Product: Credit reporting

I filed a dispute for incorrect information on my credit report and outdated collection record
Product: Credit reporting or other personal consumer reports

I am writing to bring attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.
Product: Credit reporting or other personal consumer reports

Per case XXXX, you have not provided proof/copy of license or license number issued by The Florida Office Of Financial Regulations to collect debt in the state of Florida. I have also filed a complaint with them regarding this matter. Upon checking the XXXX  consumer website you only produce a license in the state of Connecticut, Indiana, Maryland, and Massachusetts. This case was also dismissed by the judge in the XXXX county court house. Please see all attachments including Cease and Desist.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. These actions have caused insignificant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contact XXXX, Equifax and XXXX to have my personal information corrected. Which include name corrections, address and remove out dated information. XXXX updated the information without hesitation. XXXX and Equifax would not perform the request.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found information that is incorrect and not in compliance with 15 USC 16c-2. This is affecting my creditworthiness, and the hard inquiries were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

When I was a resident at the property XXXX on XXXX, there were numerous complaints that I advised to management. When paying my rent each month it would fluctuate. I signed a lease agreementioned for XXXX each month my rent was well over XXXX. I advised management they stated would fix and each time it was not when I caught up a past due balance of XXXX was paid. In XXXX no heat downstairs. maintenance never lit fireplace after asking 5 to 6 times still no resolution. Had to buy a heater just to eat breakfast never able to stay in living room or den. Then water was shut off because they stated there was a leak in middle of street which water poured down the street.When it snowed steps were hazardous spent XXXX to try to clear all steps to leave home due to not having maintenance. Also the parking was never enforced and people parked all over the place from the back in the spot at my townhouse which was on the corner. Our patio was constantly full of nails. Various issues that were never resolved nor contacted on and also filed complaint with XXXX. As well as my mom XXXX and we are still paying for that today. Because my rent was excessive I was forced to vacate but I did try to stay current only only to keep having it doubled then tripled
Product: Credit card or prepaid card

American Express - Credit card charged my annual membership fees for the card that is not activated, I tried to inform their customer support there is not a single transactions and card was not activated at all. 

Credit Card was issued via XXXX XXXX. I honestly did not know or was informed there was membership fees, When the card was approved, I tried to used it for air miles but could not use it since the card was not activated have to wait for 15 days to get the card. I immediately called Amex to cancel the card, As I need miles now, If i can not use the miles now, their credit card is no use to me. AMEX support rep. mentioned card is approved, best would be not to activated.. and trash the card.. which I did and forgot about the issue. After that I never received any mail or statement almost now 12 month.. last week I received the annul membership fees statement.. kind of surprise informed credit co. support, they mentioned not to cancel credit card as it damages the credit. but I went ahead and cancelled the credit card. 

I am told I am still liable for membership fees, irrespective of card active or non-active.
Product: Debt collection

XX/XX/2021 I was at work when I received a call. They asked for my name and I gave it, they said they were calling on behalf of their client to resolve an incident, I asked what incident and the person just sent me straight to their supervisor and she made it sound like she was a lawyer. I thought they were calling about the accident that I had recently had and that's why I verified my information over the phone. The " lawyer '' then confirmed it was for a debt collection. Since I had verified my personal information, I thought I was now obligated to pay the debt to this company. I would like to sue this company for bothering me at work and creating immense stress and anxiety and also for not sending proper notification in the mail.
Product: Vehicle loan or lease

I logged into my Ally Auto account on XXXX to see what the remaining balance was. My online account advised me that my loan was paid in full as of XXXX. I contact Ally at XXXX on XXXX to confirm the address the title could be sent to and was advised that there was still a balance owed of {$960.00}. I urged the agent to look again as I was being advised online the loan was paid in full. 

The agent requested I refresh my browser and my online was still advising me that my loan was paid in full. She again insisted that there was a balance owed.
Product: Credit reporting or other personal consumer reports

Account Current XXXX XXXX XXXX has reported Positive Activity : Account Current. 

XX/XX/XXXX Well done! Your account is now reported as current. It was previously reported as late. You're well on your way to improving your credit health. 
Source : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Current Status : ACCOUNT CURRENT Balance : {$8100.00} now Confirmation of XXXX XXXX XXXX XXXX XXXX XXXX {$930.00}, including service fee of {$5.00} Payment Date : XXXX XXXX, XXXX XXXXXXXX XXXX Payment Status : Approved Thank you. 

XXXX XXXX. 

XXXX PAID FOR THIS PreContract scam, THEY SAY THAT PART IS NOT COVERED. I specifically ask what is covered, when mechanic speaks with them, its not Covered like evert part, including the one they specifically told me was covered XXXX or XXXX  Vehicle OPTIONS : 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 Full-TermDEDUCTIBLE {$100.00} {$0.00} CONTRACT PURCHASE DATE XX/XX/XXXX CONTRACT PUR PRICE : {$1600.00} SO NOT ONLY did. XXXX get a monthly premium of approximately {$350.00} but I was required to pay each month {$440.00} for the XXXX coverage. This XXXX  coverage was in lieu of force-placing collateral-protection insurance and had been represented as a product where XXXX would pay for the cost of covered repairs and, in the event of a total vehicle loss, cancel the borrowers debt. 

Instead, They gave the run around n after roughly XXXX months at the collision repair shop, I was asked to get the car towed somewhere else Or pay storage fee, they tried but storage fees will be required car has been there nearly 6 months and XXXX was unprofessional and so i got car towed to mechanic shop. And thats when I realized i got cheated out of My pre contract add-on And immediately after leaving collision repair shop, its was reported Repossession, my Last payment of {$920.00} On XX/XX/XXXX Balance as of XX/XX/XXXX {$7400.00} Now I owe according to XXXX nearly XXXX dollars. I also will have to file a motion to reverse default judgement, I was completely unaware I was being sued, and still My credit continues to plummet because XXXX keeps reporting late payments to credit bureau with inaccurate dates for my payments and Amounts, and every time I Dispute they just keep winning and nothing happens rightfully on my End because here goes more interest fee And lates fees hiking The. Past due after the car was sold and wrote of a few time
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked XXXX XXXX with a goodwill letter cab they help with 2 late payments with me having a illness causing me to be late then later covid put me out of work. No reply to emails
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. 

XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX