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

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX DEPT OF ED/XXXX
Product: Debt collection

I have long disputed this debt that appears on my credit. I have reached out to both the original creditor XXXXXXXX XXXX XXXX As well as the company that has purchased the debt Midland Credit Management and I have asked for a full and proper audit to be done. Not one using software that can give incorrect information. The reponse I have received is that a bill was sent to my address and that the account was opened using a phone number that is registered to me. This is false. I have not had a phone registered to me in over 8hrs. These companies have refused to provide me with information that is outlined in the FCRA and they are violating my rights. My next steps will be legal action against XXXX XXXX XXXX and Midland Credit Management for violating my rights and for unfair collection practices.
Product: Money transfer, virtual currency, or money service

Keep getting charged for no reason and scammed. I tried calling Casb App services and they didnt answer. Just a fake number.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX XXXX XXXX XXXX Date of inquiry : XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion and XXXX keep dropping my credit score, please see previous complaint, they raised score after complaint then 5 days later dropped it again 56 points, never late 18 % usage 8 accounts 6 have XXXX balance 1 had XXXX other XXXX perfect payment record i believe this is harassment for prior complaint, will not give any reason for credit drop
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes with all three credit bureaus and not a single one of them ever delete everything within a matter of 48 hours it says that its correct and it will continue to stay on my credit report. There is stuff on my credit report that is Many many years ago that shouldnt be on my credit report anymore. Its also showing that my student loans are in the negative one. Actually they are fine.
Product: Credit reporting or other personal consumer reports

My personal information was compromised during a home burglary and used to open several fraudulent accounts without my knowledge ; while I was XXXX  XXXX  in the XXXX XXXX. Please Help. Thank you again! 

Accounts are as followsXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # XXXX amount owed {$18000.00} XXXX  XXXX opened XX/XX/XXXX Account # XXXX amount owed {$420.00} XXXX  XXXX Opened XX/XX/XXXXXXXX  Account # XXXX amount owed {$730.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is a request to block the items on my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to block any items not later than 4 business days after I sent them certified letters on XX/XX/XXXX, but no response until this day XX/XX/XXXX. Ive already included this report in my previous complaint # XXXX XXXX, XXXX, and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please remove the following items listed below : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$410.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX  Account number 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 a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt cbllector may not communicate with a consumer in connection with the collection of any debt I demand this account be deleted from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX  I submitted a request for a 2 month payment deferral based on their XXXX  program for the months of XX/XX/year> and XX/XX/year>. I was advised to make sure to maky my XX/XX/XXXX payment which I did and have been making my monthly payments ever since. This company still has not processed the request and they have not re-aged my account and they have been reporting this account as overdue to the credit bureaus since XXXX of XXXX. It is having a snowball effect and has greatly impacted my credit. I was turned down for an apartment because this account is showing as almost 6 months overdue, even though I am making payments ( this has to be illegal ). I have made several calls and wrote several letters and it still is not resolved. I even filed a claim with the XXXX XXXX XXXX  My last call was on XX/XX/year> and the representative XXXX, confirmed it had not been processed yet and is just pending to be processed. I find this extremely concerning even though the company responded to the XXXX XXXX XXXX saying it was processed in XXXX. Please see the attached documents showing proof of the efforts made in trying to get this resolved.
Product: Debt collection

Columbia Debt Recovery dba Genesis XXXX XXXX XXXX XXXX Wa XXXX placed a collections debt on my XXXX XXXX Credit Bureau account on XX/XX/XXXXXXXX XXXX XXXX  saying i owed a debt of {$370.00} for an XXXX XXXX XXXX XXXX XXXX They never sent any information prior to that to me. They send me a debt collection back in XXXXXXXX XXXX XXXX  for a different XXXX XXXX and required me to send them all of my paperwork ( FTC, police reports etc ) to verify I am a victim of identity theft. They cleared that debt. I called them on this one and they said they had nothing showing that they did this and said I am in their system as a victim of ID theft. I wrote them a message with the screen shot of my XXXX report showing they filed the debt and that they needed to provide me with documentation of this and why since they know i never lived in Texas and they have me as a fraud victim that they would do this. They sent a letter just received last week that i need to provide them again with all of this information. They police will not take a report since this is from XXXX. I filed it in my FTC file. This place is shady and wrongly attacking my credit without cause.
Product: Payday loan, title loan, or personal loan

XX/XX/2021 I inquired online regarding a consolidation loan with Upgrade Inc. 

I was asked to provide account numbers for the debt I was seeking to consolidate Within days I received notice that a loan had funded in my name and payments were sent to my credit union and several of my credit card accounts. 

I contacted Upgrade Inc and informed them I never received a loan disclosure or truth in lending statement, nor had I approved or signed off on an XXXX or monthly repayment amount. 

I returned money that was deposited to my credit union as well as had all money returned from my credit card lenders that was sent as a payoff. 

I received a letter from Upgrade stating that all money had been returned and that they were working to close the account and update the credit bureaus. 

I was strong armed into a loan without full discloser and transparency after making an online inquiry! 

They never made good on updating my credit report and intentionally sold the erroneous debt to a third party leaving me with a bogus charge off and detrimental credit rating, that is now costing me in higher interest rates as I shop for a home mortgage. 

MY CREDIT REPORT SHOULD BE UPDATED IMMEDIATELY AND NOT A WHOLE YEAR LATER! 

There are fair lending laws for the state of XXXX XXXX XXXX Upgrade Inc should not be above the law and strong arming the public into doing business!
Product: Vehicle loan or lease

DUE= {$310.00} owe ( 30 days past due ). My lease was due XX/XX/XXXX but dealers were closed so I didn't have a place to hand back my car. 

ACTIONS= 1. I was told to drop it off at any dealers. But all the dealers shut down their business due to the pandemic around end of XXXX XXXX I am in California ) 2. I was told to hold onto the car and " no additional charges would I apply '' since no dealers were opened. I have proofs of the texts that I sent to GM. 
3. I got call from GM in XXXX that I was " late '' and past 30 days due date. 
4. I called them, texted them on my dashboard app and texted them on my car. It was extremely difficult to get a hold of anyone. Finally, after 4 attempts, I got thru to someone today. I was transferred 4 times, spoke to 4 sales reps -- all denied that anyone said this to me. The 5th sales rep finally gave me a GM email so I can show them my texts and I will. 

I need help to handle with GM Financials. It is illegal what they are doing.
Product: Money transfer, virtual currency, or money service

The PayPal user XXXX XXXX ( XXXX ) scammed me via two transactions ( Transaction IDs XXXX and XXXX ) for {$89.00} in total on XX/XX/2022. They promised me 2 concert tickets in return during our conversation on XXXX, which I never received. As soon as I paid via PayPal using my XXXX checking account, they blocked me or deleted their XXXX account. 

The money will not reach their account until XX/XX/XXXX, and I would like my money back before then. I have filed a dispute with PayPal and would be extremely grateful for any assistance you can provide. I hope a conclusion can be reached and I look forward to hearing from you.
Product: Credit card or prepaid card

On XX/XX/2020 XXXX hrs, I received an email from Macy 's credit card services about important information concerning my account. -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On the notice it states inaccurate information of a minimum required payment is {$11.00} when in actuality the minimum required payment is {$10.00}. -- -- -- -- -- -- -- -- -- I called the agency XXXX XXXX expressing concerns that if the minimum payment is only {$10.00} which I have already paid but in the email is states that I owe {$11.00}, I am concerned that this may charge me a late fee of not paying {$0.00} cents and disrupt my credit. -- -- -- -- -- -- -- -- -- -- -- -- - The representative who I spoke to asked me for my email address so she would send me information that should arrive in ten minutes confirming what is actually owed for the minimum require payment. -- -- -- -- -- -- -- -- -- -- -- - I have yet to receive any email.
Product: Debt collection

I am not liable for the debt of {$1700.00} with AR RESOURCES INC Account Number : XXXX I do not have a contract with AR RESOURCES, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to correct late open accounts and remove the public record on my credit report. Despite my persistent efforts and valid claims, these late open accounts have not been rectified, causing considerable harm to my credit profile and financial well-being. 

I first identified late open accounts inaccurately listed on my credit report. These entries do not accurately reflect my financial history and have a detrimental impact on my credit score.

Upon discovering these late open accounts, I promptly initiated disputes with your organization by following the prescribed dispute resolution process on your website. I provided supporting documentation and requested the correction or removal of these late open accounts. Unfortunately, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made multiple follow-up attempts to dispute and correct these late open accounts. I supplied additional evidence and communicated with your customer support, hoping to rectify this situation. 

Despite my continuous efforts to correct these inaccuracies and provide substantiating evidence, I have not received a satisfactory resolution from your organization. The late open accounts continue to adversely affect my credit score, making it difficult for me to access credit and financial opportunities. 

I demand immediate action to correct these inaccuracies on my credit report, specifically by removing the late open accounts and ensuring that my credit history accurately reflects my financial record. I also request written confirmation once these corrections or deletion have been made. 

Failure to address this matter promptly not only undermines my ability to access credit and financial opportunities but also erodes my trust in your organization 's ability to manage accurate credit reporting. I am asking for your assistance to correct these accounts and remove the public record : XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX  Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Bank account or service

On XXXX/XXXX/16 I wrote check # XXXX ( Bank of America ) from XXXX XXXX XXXX, XXXX in the amount of {$730.00} to XXXX XXXX. I discovered on about XXXX/XXXX/16 that XXXX XXXX " put a XXXX '' in front of the XXXX on the numerical portion XXXX the check and cashed the check. The teller " failed '' to read the check and see that the hand written portion of the check stated XXXX XXXX XXXX XXXX dollars. The check was chased for {$1700.00}. I went to Bank of America branch in XXXX, AZ to ask fora {$1000.00} credit for " teller '' error. The local B of A person told me that they could do nothing and that I had to file a police report and then call their Fraud department and that due to the Teller error B of A would credit back the {$1000.00}. I filed the Police report - XXXX case # XXXX ; and then called the Fraud line for B of A ( XXXX ) I spoke with XXXX and was told that since the check read XXXX XXXX XXXX XXXX my account would be credited with {$1000.00} within 24 hours. Two days later my account had not been credited so I called to find out when it would be credited. 
I was told by the Fraud line representative that since the check was " cashed '' and not deposited that B of A would not credit my account the {$1000.00} and that it was my problem to collect the {$1000.00} from the recipient. I asked to speak with a supervisor or decision maker and was told there was no one who could help me or change this decision. 
I am asking fora credit back to my account for the fraudulent {$1000.00} that the teller failed to identify.
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 ri

ghts to privacy and confidentiality under 15 USC 1681. 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: Debt collection

I have disputed this account 4 times, and it keeps coming back as verified. This account was deleted by XXXX as unverifued as I stated previously. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or deleted immediately. ACC # XXXX