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

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 

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 XXXXXXXX
Product: Debt collection

InXX/XX/2019 a one year lease with a family member was contracted with XXXX XXXX XXXX. A background check was done and security deposit with administrative fees paid prior to move-in. Six months after our tenancy, the property manager, XXXX, permitted her boyfriend to live out a lease of a neighbor across from me and let him have an assigned parking space. On XXXX XXXX XXXX, due to tenants holiday guests, I had to park in guest parking as I allowed a relative to use my assigned parking. The property was poorly lit and I mistakenly parked in the property manager, XXXX boyfriend ( illegal ) parking space. The property manager towed my car. That created a toxic dynamic for the duration of my lease, and may be the motive behind this false debt collection notice as XXXX, the property manager was terminated a couple of months later when I complained about her towing my car to an agency for housing discrimination complaints. 
My relative/roommate moved out after 9 months and two more family members moved in and was added to the lease for the remaining three months on the lease. When the year lease ended, I returned the key ( s ) and had the carpet shampooed and had photos of the apartment left in good condition. I also provided a forwarding address for the management per their request. Now many years later, the first 2-3 years I lived in a neighboring community and now I live in another State, I received a notice of a debt that is false. The law office, Kimball, Tirey and St. John LLP, mailed a document of false charges and request me to reply to the false debt associated with a tenancy that I left in good standing. The apartment I moved to after I left XXXX XXXX verified that my family and I were in good standing as well. To wait many years to create false charges is identity theft, a scam and/or both. The property manager, XXXX, who I spoke with to ask for the Owners contact information informed me she will be terminated if she gives the Owners information. The Owner and property manager ( s ) may be treacherous corrupt businesspersons, abusing the system by rigging prior tenants information to extort money and using false charges of damages that can no longer be substantiated due to many years having passed and records being lost over so much time. My contract with XXXX XXXX was fulfilled with {$0.00} outstanding balance.
Product: Mortgage

On or around XXXX Doral Mortgage Bank had an aggressive campaign for mortgage lending.Around XXXX, XXXX XXXX I applied for a loan.I was awarded a XXXX loan of XXXX dollars at a 6.75 % APR.Around XXXX when interest went down I applied for refinancing at a lower rate.They denied me refinancing because the house had to be totally built in concrete.This made me wonder because they awarded me the loan when the house was not finished and they new exactly the condition and the materials the house was made of.Soon after that the Bank Disappeared .Popular Bank took over it 's assets .Around XXXX XXXX I tried with this Bank to refinance at a lower rate.They also denied me refinancing.They gave me more or less the same reasons as did Doral Mortgage with the added reason that I had to get a certification from a structural engineer.I wrote a few letters to this bank but no direct answer nor satisfactory explanation as to why the house was eligible in the first place for a XXXX Loan .I am XXXX years .I have a XXXX pension of XXXX dollars.I pay XXXX dollars mortgage and the Federal Board assign to the XXXX because our corrupt politicians drove the XXXX into banckruptcy will be cutting pensions down.This will be happening within the next 6 months.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - Please verify the manner in which you are reporting this account. I have contacted the Attorney General 's office, XXXX, XXXX XXXX, and PACER, and they have stated that they did NOT report to any credit agencies. - This account is fraudulent and needs to be removed off of my credit report asap per FCRA sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. 

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  That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Debt collection

InXX/XX/XXXX I received a letter from XXXX a debt collector about a XXXX account in the amount of {$510.00}. I made arrangement with that company and paid the debt off inXX/XX/XXXX. XXXX XX/XX/XXXX I received a letter from another debt collector XXXX XXXX for the same XXXX account. I informed them that the account has been paid and they asked me to send them proof. I called the company XXXX and asked if they could send me a copy of the letter sent that my balance for XXXX was XXXX and they did. I emailed the letter to XXXX as instructed proving that the account had been paid in full. 

A few days later a change had been made on my credit report where I had gained points because XXXX zeroed my balance. I was satisfied until a few days after that my account was deducted some points and when I checked it was the same company ( XXXX XXXX ) had put the debt back on my account. 

I have been going back and forth with them about this issue and correcting the problem and it doesn't look like they are trying to resolve the issue.
Product: Money transfer, virtual currency, or money service

About the XXXX of XXXX I opened an account at Coinbase using a referral link, as described in https : //www.coinbase.comXXXX 

On the XXXX of XXXX I bought XXXX XXXX  XXXX Bitcoins, to get the promised promotion and receive {$10.00} USD, as described in menioned Referral program link. 

Several days after, and as I didnt get the {$10.00} USD, I contacted Coinbase Help Center to explain what had happen. They answered me that they were going to check what had happen and they would contact me. After spending several days without an answer I wrote to them on several occasions explaining what happened and that I had met all the requirements of the program and in all of them they replied that they were going to check it and that I had to wait for their response with a solution. Today they answered me for the last time saying that the case has been closed and that I have to open a new one, but I still have not received an answer to what happened, nor of course the XXXX dollars of the promotion. 

I ask you to help me and get Coinbase to fulfill the promotion and give me the XXXX dollars that must be paid. 

( Please excuse my XXXX, but I'm XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Global Lending Servi XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed inaccurate reporting on my account. This account is hurting my ability to obtain credit. I understand that TransUnion will investigate this account for me to ensure accuracy. I am asking you to verify this as accurate : XXXX XXXX  XXXX is reporting that my truck loan account was charged off XX/XX/year>. However, I would like to clarify that I fully paid off my truck loan in XX/XX/year>, and the account was closed in XX/XX/year> with a status of " Paid or Paying as agreed. '' XXXX XXXX XXXX never contacted me about any outstanding payments after settling the loan. 

To support my dispute, I have enclosed copies of my past credit reports showing the correct account status and the online bank statement for my truck loan account, which demonstrates a XXXX balance.
Product: Vehicle loan or lease

I financed a vehicle through BB & T Bank for 72 months and was told by the finance manager that I recieved the lowest possible interest rate due to my credit score and that the warranty I purchased would cover me to 92k miles and then I recieved a letter from warranty company saying that there was an error in contract that I only have coverage to 60k odometer reading. I then complained to BB & T bank and dealership and was told by dealership {$3000.00} refund will apply as payments and BB & T rep failed to tell me that it would not count as a payments until I was already late. I caught up with payments and recieved a letter saying my contract had incorrect APR and was promised that I would have my past due balance recently to be deferred due to hardship and my last payment was mishandled by BBT by inputting incorrect account number causing me to get a fees and issues. I just want these issues resolved due to the errors. Now I'm paying a substantially higher payment due to BBT errors on my contract and aren't honoring my deferred payment plan and mishandling my account with payments, fees and APR. I want my account to be in good standing and hope BB & T will make this right for me.
Product: Credit reporting or other personal consumer reports

Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. 

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts below. 
1681e. Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 
( b ) Accuracy of report 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. 

Under 18 U.S.C. 1028A. TRANSFER, POSSESSION, OR USE OF A MEANS OF IDENTIFICATION OF ANOTHER PERSON DURING AND IN RELATION TO ANOTHER FELONY. 

Please remove all inquiries which I did not authorize or give consent : 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 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: Debt collection

I have no idea where the debt is from or who the company is. I have never lived in XXXX Ohio to owe debt in that state
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the credit reporting agencies, XXXX XXXX, Trans Union, XXXX, and XXXX, regarding fraudulent, inaccurate, incomplete, or unverifiable accounts, inquiries, and addresses on my credit report. I have attempted to resolve these issues directly with the Consumer Reporting Agency on numerous occasions, but have been unsuccessful in obtaining a satisfactory resolution. I am writing to dispute the inaccurate, incomplete, and unverifiable information that appears on my credit report, which was recently obtained from your agency. The inclusion of this erroneous information is adversely affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal statutes, including the Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), and Fair Credit Reporting Act ( FCRA ).

I have identified the following issues with the information reported on my credit report : Inaccuracy : The information reported on my credit report is inaccurate and does not reflect my true financial status. 
Incompleteness : The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history. 
Unverifiability : I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency.

I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. I also request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Product: Vehicle loan or lease

I applied for a 2.91 % lease buyout with Autopay. Turns out they don't offer 2.91 % and they do not offer lease buyouts. I deleted my social security number before I submitted the app. The language stated the social security number would give them a more accurate determination. However, without the social security number they would provide a range. Both were false statements. They some how encrytped the number and had it when Autopay rep called. I was told they don't have 2.91 % even though it's on their website. I started getting calls from TRESI a company affiliated with XXXX. I never applied for a loan with them. Their representative called me to put an application in and I refused. I never applied for credit with them. 

I received a notice of adverse action and I never submitted an application. I never gave them my social security number. I have superior credit score and I demand action. This is outright fraud.
Product: Credit card or prepaid card

Hi, I received a prepaid card for {$240.00} on or around XXXX/XXXX/16 as a rebate on a promotion. I 've used the card a few times over the year, and when I recently tried to check the balance, I was told that the card was only valid for one year and all remaining funds had been removed from the card. I understand companies needing to charge a maintenance fee if the card has been open for a long time, but to remove all remaining funds from the card after less than a year seems a bit extreme.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed  XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company I am reporting is Recovery Management Services. The company is stating that I took out loans through XXXX University  XXXX. This school was closed due to unfair and illegal business practices by the United States Government. I sent documentation to the creditor stating that all of my loans are through the Dept Of Education. Recovery Management Services has stated that they will continue to " damage my credit '' and " ignore all correspondence relating to this matter ''.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports