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

Dear CFBB Representative, I writing to you on two fronts. The 1st item is XXXX. XXXX XXXX has tried to collect on an incorrect balance and terms 3 times on my credit bureau. 3 times through their name and 2 times through outside collection agencies. In a discussion with their collection XXXX  XXXX XXXX I disputed the debt amount listed on this credit report for {$1600.00}. They abruptly closed the account as did XXXX. They sent it to a 3rd agency I disputed it again and they closed the account. Now, XXXX continues to list the account in closed account charge off status when they know this is all inaccurate and incorrect. This is one of several complaints I've filed with XXXX I'll never use their services again. 

The 2nd item is the credit bureaus in their entirety. I have attached my credit report. All accounts in good standing. I've leveraged some credit in home improvement efforts, I've bought and sold a couple personal vehicles. Accounts were paid in full. The credit bureau docked my credit score all but 100 points! I haven't done anything to warrant this level of a drop. It's like I filed for bankruptcy and I haven't! In addition, due to this aggressive drop determined by the credit bureaus, XXXXXXXX XXXX  canceled a credit account I had with XXXX XXXX XXXX for {$500.00} and XXXX XXXX XXXX for {$1200.00}. Both accounts were {$0.00} and paid in full any time a charge was made. I've never had a bank re-check credit after I was already approved by them for a credit account less than 2 months after these accounts were opened. I would like to know what the credit bureaus feel they know about me that they are not reporting. Obviously they are reporting the wrong information. In the most recent automobile purchase due to this inaccurate credit standing I had to accept financing terms at a rate that's over 10 % higher than the most competitive rate. My mortgage rate had to be accepted at a rate the was over 3 % higher than than the most competitive rate. It's forced me to look to lower interest rates and payments when my score works back to a more " average '' status. Credit bureaus are discriminating against my credit file. I would like to have them disclose their information in my name in it's entirety, explain why my credit score is less than some that have filed for bankruptcy, and I would like to have all inaccurate information removed from my credit report. They all have violated my rights as reported under the FCRA. I appreciate your attention to this matter! 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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
Product: Debt collection

I owed Bank of America a loan of {$330.00}. I took a balance assist loan to cover my book supplies in college. When I went home out of the country for school break, I could not come back in time due to XXXX and couldnt contact the bank from overseas to explain the issue. Fortunately, I managed to come back and paid off the loan before it was sent to the collection agency. However, I think the bank did not update their records in time and proceeded to send my loan to collection after I had paid off the debt and even had phone calls with the bank about the payment. So, I need the collection removed from my credit report
Product: Credit card or prepaid card

I paid the complete balance due of {$240.00} on the date before it was due,  XXXX . I now have a bill for {$3.00} when my balance should be  XXXX . I filed a complaint previously about this credit card company,  Case  number :   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX - XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX bankruptcy dismissed reference # XXXX XXXX XXXX XXXX CALIFORNIA doc number XXXX XXXX XXXX Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXS Account # 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
Product: Debt collection

I received a few calls about the debt owed. The lady that called said if I didn't set up a payment arrangement they would go after my pay check and it would go on my credit. She said that if I didn't make an arrangement to pay before a certain date someone would garnish my checks. She also told me that this won't go away they won't just let it go they will take me to court. She said to make an arrangement before it showed up on my credit report but it still went on my credit. They also charge me {$10.00} extra dollars to use my debit card to pay the payment owed. I asked for a letter that states I set up and payment plan and they refused and said they couldn't
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to Experian but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps, stores, and tracks my personal information without my consent and then used insecure computer information technology systems to store this information. This led to the unauthorized disclosure of my personally identifying information to hackers. 

It is unacceptable that I should have to pay to place credit freezes on my reports at all three credit monitoring companies. 

Equifax needs to be held accountable, provide free LIFETIME protection, and pay a significant fine to every affected individual.
Product: Debt collection

Violations of Fair Debt Collection Act by Acura Financial Services. Debt settled but debtor reported to credit despite settled debt. On XX/XX/2020, I was contacted by a representative from Acura Financial Services regarding my outstanding debt for a lease return fee. At this time, I was told by the collections agent that the debt was outstanding at {$380.00}. I spoke to the agent stating that I did not have the money at this time, and offered a payment plan as a way to settle the debt, as stated by the agent this was not an option. As stated by the agent they offered {$100.00} off and explicitly stated that this matter would not be reported to a credit agency. At this time of XX/XX/2020, my credit score has dropped by 59 points. The tactics by the Collection Agent are blatantly a violation of the Fair Debt Collection Act. As the agent falsely made a promise they were unauthorized to do so in. As stated in the act, collection agents must be truthful regarding the debt collection process. This was an underhanded tactic to collect the debt. I am currently working 3 jobs, and these has severely affected my credit on a debt clearly settled. The collections agent has also not furnished any form of letter to prove the debt is settled.
Product: Debt collection

XXXX XXXX XXXX  XXXX MD XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/2020 RE : XXXX To Whom It May Concern : I have been informed that there is negative information reported by ( XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ) in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$5200.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with { XXXX XXXX XXXX XXXX  } and provide me with copies of any documentation associated with this account, bearing my signature, in the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} 1. ) Defamation Negligent Enablement of identity Fraud Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX, XXXX MD XXXX P.S. Please be aware that dependent upon your response I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't make these inquiries it must be errors. 

XXXX - XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX +  Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX +  Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

There were times I sent money and the people I was supposed to be sending to wouldnt receive it and then there wasnt no option of anything they could do to help me get my money back so there was no point of me trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$680.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I attempted to send payments of {$50.00} and {$200.00} using my Cash App with my payment method of a credit card from XXXX ending in XXXX. Both transactions initially went through, but were declined on Cash App 's side in minutes. Cash App has restricted me from contacting them online by preventing my doing so and only providing a generic statement about cancelled payments. Cash App is providing no letters and only a physical address for them to be contacted at when they are an ONLINE MOBILE service.
Product: Mortgage

I opened an account with Loan Care in XXXX of 2018. I wait for a welcome packet or something to state when my payment was due. I never received that payment date. When I called Loan Care they old me I " slipped through the cracks '' and they would send me a payment slip. It never came. 
I began making payments and called them because I was worried and they told me that it was too late and my payments were already late. I told them that was unfair but they said they couldn't do anything about it. 
I have made every payment on time since I attempted to correct this issue, but the continue to mark me 30 days late. 
I don't feel that I am at fault for " slipping through the cracks '' and every late payment should be removed.
Product: Mortgage

I'm making payments every month and there sending me payment balance that I'm behind when I'm not it's been hard with this covid 19 to make payments but I have been doing it and its getting frustrating and also the balance of the loan doesn't even move like the last 3 months it says XXXX and also sending me delinquent letters
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I request immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX sold an alleged debt to Amsher Collection Services Inc . According to XXXX XXXX XXXX, Amsher Collection Services is not licensed to collect debt in New York State. My issue now is that Amsher Collection Services is attempting to illegally collect a debt from a state they are not licensed inside of.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Vehicle loan or lease

I just qualified for Section 8 Housing as I`m way below poverty level, I can`t afford my apartment much longer. Wells Fargo didn`t do the right thing before paying out close to {$28000.00} to XXXX XXXX XXXX . The XXXX XXXX value has to be looked at, as well as the mileage and condition of the vehicle. I`m attaching again the XXXX that I got from XXXX XXXX XXXX XXXX 

Wells Fargo Auto Finance should sue XXXX XXXX XXXX for false information on the XXXX XXXX they gave the money to, not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 

By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with { 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 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 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  }. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX DOB XXXX SS XXXX I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Please delete all other unknown addresses they are not correct. I have a inaccurate Social Security number on my credit report SS : XXXX, please delete it at once. My name is NOT XXXX XXXX, XXXX XXXX XXXX please remove the extra name from my credit report. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Following addresses need to be deleted : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 previous addresses that are totally wrong I never lived there and there are 3 charged off accounts that are not correct that status is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

Commenity Banlk and Women Within failed to send my products I ordered to the correct address and them failed to send bill to the correct address until I notice these items on my credit report Women within stated that they would remove from credit report and they did not then was told to contact commenity bank and they told me to contact women within it just goes around and around This item should be removed from all credit reports. 
it was their fault i did not send to correct address even though I gave the correct address 3 times.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to address a matter concerning my closed account with XXXX XXXX XXXX XXXX Account Number XXXX, which remains inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports. As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. Given this definition, I am requesting that XXXX XXXXXXXX XXXX take immediate action regarding the closed account reported on my credit file. Specifically, I urge you to update the status of Account XXXX XXXX to reflect that it has been paid in full. The account in question was opened on XX/XX/year>, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. I trust that XXXX XXXX XXXX will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account XXXX XXXX on my credit report. Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 it states I have the right to privacy. 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.