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

As I'm paying off my auto loan, I noticed many late payments that are reporting. I do not believe all of these late payments are accurate. It is very important for me to have a correct and accurate report, as it is also the law. My XXXX XXXX account is inaccurately showing late payments. Please investigate and provide proof with statements showing late payments. If these late payments can not be verified, please remove and update to positive status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of a fraudulent inquiry to her XXXX credit report XX/XX/2018 made by American Express ( AMEX ). An official dispute of this fraudulent inquiry was sent to AMEX XX/XX/2018. A letter from AMEX was received by this office stating " does not contain sufficient information to conduct reasonable review ''. In the dispute AMEX was provided a notarized POA, FTC fraud affidavit as well as a police report, photo ID, SSC and utility bill. These items are more than enough to conduct an investigation of ID theft. This inaction is a violation of the FCRA and a violation of my clients federal consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurately reported charged-off account with XXXX XXXX XXXX XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. Additional there are two different amounts listed in collections, which also proves inaccurate information. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as XXXX XXXX XXXX XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account.
Product: Credit card

On XX/XX/year> I made a mistake and paid someone elses ticket at a parking garage for a total of {$57.00}. When I left the garage the garage manager sent me a text notifying me that I did not pay for my ticket I told him I did and sent him proof. The proof was considered as the other persons ticket which I told him hey I realized I paid someone elses. He said that he would speak with the main office to have them make the correct. A week or so went by and no response from the main office. I emailed the mail office and they see my transaction but its not tied to the ticket for my car. They never make any attempt to resolve this. I offered them solutions which they never responded. I got my bank involved and advised them I paid the incorrect amount and provided proof of the rates and discounts listed at the garage. They advised me I needed a receipt. I sent another email to the garage who never answered me back. My bank denies my claim after I told them Im not getting a response they then tell me I filed the claim incorrect and I would need to file again. I am unable to because I already opened a claim and that they denied. 

The early bird rate for this garage is {$35.00} until XXXX as long as you never before XXXX or XXXX I believe. I have a 10 % discount that I tend to use which brings the price down to {$31.00} every weekday for me that price is visible on my statement for every weekday. 

I also enter this garage between the times of XXXX and XXXX and I check out around XXXX I will include multiple tickets to show the check in time
Product: Checking or savings account

Recently on XX/XX/XXXX I opened a Citi business account in the branch with a representative in person and that account was closed a couple of days later due to fraud and this is the account I am complaining about. The letter just says, " I have violated the terms of the account per the client manual ''. I opened the account with my social security card and Drivers License and there has not been any activity in the account so I dont know what terms I violated. The account was opened less than a week and the account balance was 0. I linked one bank account by sending trial deposits and this is when I discovered that the account was closed. In the past I had a citi saving account randomly closed for fraud so I think that I am black listed in the data base. I can open accounts in person and over the phone and the account will be approved then later its systematically closed. This is frustrating because I've lived at the same address for many years, I am an normal W2 employee, and I open the accounts accurately using my real social, address and drivers license. There is no fraud. Now this business account was closed for reason that I don't know other than I violated something in the client manual which seems unlikely due to it being a 0 balance. Following up with the call center doesnt get me anywhere
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting agency is reporting an inaccurate balance and last payment date received for a company I no longer have any financial obligations with.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was installement loan offered to me in which was paid regulary until the local payment center went out of business in my town, name of the company is world financial company. 

There was no where to pay the billing due to the account being moved to another location in which i was not notified, they sent the account to the CRA 's as charged off, then sent it to collections agency, I wrote the collections agency explaining the issue why the account was sent, due not my error, ( the company closed in my town of XXXX, Tennessee. I offered the collections agency to pay the billing with discounted amount of {$150.00}, with all negative reporting being erased and showing on my credit as ( paid as agreed ) however they sent me letter declined the pay off offer, however when checking my credit a month later, it showed the account was not in the collection any longer, it shows an update as charged off account once again, I reached out to credit bureau and asked if this was updated, they continue to tell me no. 

once looking in the law with this, they have re-aged this account, the company sent the account back to the original credit as charge off, due to the collection legally not being able to collect on the debt, Re-aging is illegal, I sent the information of proof showing the accounts were re-aged and credit will not admit this what happened, also i reached out to world finance and they can not seem to find the account. ( this is due to being caught violating with fair credit act, also with them not sending a bill because they could find the account, they can not report to cra 's without being able to notify me of the debt. 

I am asking for this debt to be removed due to the violations the company has done to me causing for decrease in my credit, as well as the credit bureau 's to be investigated, I do also have the proof of all this information that i can send ( supporting documents to show you the proof of these errors listed on my credit file. 

thanks
Product: Mortgage

Chase Bank filed a frivolous complaint against me ( Michigan XXXX XXXX XXXXXXXX ) after they generated an unethical low-ball appraisal utilizing irrelevant comparable sales, likely done by a person not licensed in the state of Michigan, which is a violation of federal law. I was cleared of any and all wrongdoing by the state of Michigan 's Licensing and Regulatory Authority ( LARA ). 
Upon being cleared by LARA, Chase refused to accept LARA 's decision and repeatedly denied my appeals to be removed from their banned list, stating that nothing had been resolved. I remained on Chase 's Ineligible Appraiser List for two years after being cleared by LARA. After I submitted a complaint to the FCPB, Chase replied to both the FCPB and me that I had been removed me from their list ( apparently before my complaint, which I was never notified of ) and declared I was on their Eligible Appraisers List ; however, they never sent me another appraisal order, so they either falsely stated I was removed from the ineligible list, or they prevented me from doing appraisals by blacklisting me another way.

I would like to obtain the name and license number of their appraiser so I may pursue legal action against him or her, and, if my accusations are found to be valid, I would like your department to investigate and prosecute Chase Bank for knowingly ordering appraisals from unlicensed appraisers, and having them develop appraisals in violation of USPAP. Based on the most recent letter I received from Chase dated XX/XX/2020, they still refer to my appraisal as " deficient, '' even though I was cleared by the state of Michigan, with LARA stating " No violation of the Occupational Code, ... Board Rules, .. or Uniform Standards of Professional Appraisal Practice '' were present in my appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

DURING COVID XXXX XXXX  HAD DISASTER RELIEF ASSISTANT FOR ME AND I JUST FOUND OUT THE REPORTED I HAD 2 MONTH MISSED PAYMENT
Product: Credit reporting or other personal consumer reports

I took a plea deal for the charge for XXXX XXXX  XXXX XXXX  and my plea deal included of after my completion of XXXX and XXXX XXXX  after that the charge was supposed to be removed from my background record so I don't want my possible future employer to see this and I don't think it's fair to me because I did everything I was supposed to do less than a year after it happened and it was for XXXX XXXXXXXX  in the XXXX  my phone number is XXXX and I should still have my paperwork saying my plea deal on it so please don't send that charge to XXXX please Thank you
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

They are saying I violated terms of direct deposit agreements and user agreements the account was closed... so I talked with multiple agents and finally got to one who helped with the situation and sent me a link to verify my identity. I submitted the files and the agent reopened my account and now 5 days later the account was reclosed saying the same thing when I haven't violated the terms anymore ... they are telling me that I am ineligible for a refund and once I stated about contacting this firm they stated I am eligible and will be mailing a check but my bills are do and I have all my money on here... this has been a hindrance on my life right now please help me with this and for this not to happen to anyone else
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process g was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance XXXX {$300.00} XXXX XXXX Balance : {$4200.00} XXXX XXXXL XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$7900.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$4900.00XXXX XXXX XXXXXXXX XXXX XXXX : {$20.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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 been dealing with Calvary Portfolio Services and their representatives, XXXX XXXX XXXX for over 7 years on a debt they purchased for pennies on the dollar. In XX/XX/XXXX, I made an offer to settle debts, after them having collected sums over the years, for a sum of {$5000.00} which was an amount I was barely able to gather. They refused the sum and countered at {$30000.00}, not entertaining any other viable and reasonable negotiations. Their representative from XXXX XXXX XXXX proceeded and placed a garnishment on my wages which grosses me, on average, less than the take home of a person on minimum wage. I asked again, in writing, that they end garnishment on XX/XX/XXXX as they have collected over {$26000.00} from me toward the debt and I felt this was a fair and reasonable resolution. The only response was a " Thank You '' for my email and I'm on the edge of my finances going past 30 days, barely enough for food and on the brink of bankruptcy. All I ask is for them to consider and resolve the matter as outlined a year ago. They have no inventive and continue to steal money from my family as I work hard to make it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I contacted national credit systems regarding the two trade lines reporting negatively on my consumer report. They advised me that my file was with XXXX XXXXXXXX XXXX XXXXXXXX. The law firm confirmed that I only have one debt but they were not going to remove the second account until the first Alleged debt was paid. I sent this Exact letter to XXXX XXXX XXXX, XXXX, Equifax, and XXXX. XXXX removed both trade lines and Equifax and XXXX just removed one. My complaint is directed towards XXXX XXXX XXXX due to them verifying the debt with the credit reporting agencies but sending me a letter saying their Unable to locate my account. 


This ONE company is in violation of the following : FDCPA 15 USC 1692g FDCPA 15 USC 1692e FDCPA 15 USC 1692f FDCPA 15 USC 1692k And furthermore NCSs actions are putting XXXX and Equifax at risk due to these credit reporting agencies violating the following : FCRA Section 623 ( a ) ( 3 ) FCRA Section 623 ( a ) ( 1 ) ( a ) ( b )
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. XXXX XXXX  Acct # XXXX Balance {$51000.00}, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Balance {$28000.00}, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Balance {$790.00}, XXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Balance {$5000.00}, XXXX XXXX Acct # XXXX Balance {$1200.00}, XXXX XXXX Acct # XXXX Balance {$6000.00}, XXXX XXXX XXXX Acct # XXXX Balance {$3600.00}, XXXX XXXX Acct # XXXX Balance {$4700.00} XXXX Acct # XXXX Balance XXXX has violated my rights. 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 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 crime which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

A auto loan was taken out in my name XX/XX/2019. I was a victim of identity fraud and I reached out to the company and submitted dispute with the credit bureaus to have this account removed. The company ignore my calls for identity thief and the credit bureaus never verified my signature on this account.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed multiple billing errors. These late payment records don't reflect my usual payment behavior. Please rectify these mistakes and update my account. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that there are accounts that I do not recognize. The accounts are completely fraudulent and has never belonged to me at all. The accounts are as listed ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I contacted the companies to get an understanding of where the accounts come from and each company stated that I was not found in their database.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Mortgage

My loan was being serviced by XXXX XXXX in Alabama and was transferred to Shellpoint. Suddenly they cancelled my reoccuring payments without any notice, then when I set this up again the payment did not go through. They claimed I put in my banks information incorrectyl despite me using that exact same information for the prior year. I used that same information to make a one time payment, which finally did go through. I set up automatic payments again thinking the issue was resolved. The payment again did not go through and this time they charged me a fee. I called about this issue and they hung up on me mid call, I called back and someone was able to look into the issue but did not provide any information other than that this hasn't happened before and they would " escalate '' to a supervisor, but wouldn't let me speak to anyone else. They directed me to call my bank, who immediately showed me that it was indeed the mortgage companies issue.