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

XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX N/A XXXX N/A XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to Capital One XX/XX/XXXX, in regards to revoking any and all authorization to disclose any of my personal information. The company has not complied with my requests, in pursuant of 15 USC 6802. Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, non verbal per 15 USC 6802. This is effect immediately and indefinitely.

I am asserting my rights under the Privacy Act of 1974.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed this account from XXXX XXXX with Equifax, XXXX, and XXXX with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3.

2. Date opened is inaccurate.

3. Payment status is inaccurate.

4. Last reported dates are inaccurate.

5. Comments on all 3 accounts read something different.

6. Date last active is different on all 3.

7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off.

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in contact with Equifax over and over for a while now and they have been a big help. However I still have so errors reporting on my credit report. I lost my social security card and someone else was able to open accounts in my name. I recently filed an identity theft report with the FTC for this reason.
Product: Student loan

I had my Loans end up in collections. I had made an arrangement with the collections agency and satisfied that arrangement. It was then transferred to Fedloan Servicing. I made an arrangement with Fedloan servicing to pay back  XXXX  $ per month ( the minimum I qualified for, ) and I agreed to pay an additional  XXXX  $ for a total of  XXXX  $ per month.   This was fine for abo ut 2-3 m onths, then in   XX/XX/XXXX , I  got a notice that they increased my statement amount from  XXXX  $ to  XXXX  $ per month and told me I would have to do an application for income based repayment. So I get the info to fill out, and I ca n't access it, Also, the statement they sent me, says total repayment per month is  XXXX  $ but it also shows that they want my current payment is  XXXX  Plus the extra  XXXX  $ =  XXXX   .  I am worried about sending any additional monies to this company that ca n't even provide accurate billing and also does n't adhere to arrangements that the company itself made. Not sure what to do here. I ca n't afford to pay  XXXX  $ per month and still keep afloat.
Product: Money transfer, virtual currency, or money service

I have filed one complaint to paypal with this email address and I had another account for business and I sent XXXX to my sister and it went thru ok and then I guess they got the first complaint and now they have put a hold on the XXXX where she can't get the money and want all kinds of ids I sent in an personal id and not that they are complete they are asking bor credit card statements and they are debit cards and some of them I don't even have any more 2 of them because I had to get different ones on the local bank here because they were hacked. and the other thing they are asking for is for me to resolve the account for XXXX and that is the one where they are h olding so much of my money. I can't resolve something they won't let me do anything in they have closed that account, they are mad because of the complaint against them. The paypal business account is XXXX. My sister can't get the money I sent to her because of this. These people are so crooked. I just want them to let my sis have the money I sent her and my money out of XXXX account which is now XXXX and some few cents it has gone down about XXXX and they say that they haven't issued anyone a refund but the money went somewhere. Please help me with these people
Product: Debt collection

I contacted Aargon collection regarding an account that is not mine I have several times and they do n't respond with accurate time, also they never showed me proof of the account with any validation o requested copy of Identification, signed contract and any other forms. I received an email after I disputed the account which I do n't feel it 's save on the web. The company just ignored my request.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my XXXX XXXX be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

this is the 3rd time informing you guys of Truist ways they have now closed my account because of fraud done on my account that I did not even have a bank card for, every transaction i had to transfer from one account to another until XX/XX/XXXX i transferred money and they made the account look as if i was able to withdraw from an account i never received a card for. Trust owes me over {$700.00} for allowing XXXX to take money out of my account where they refused ot dispute the transactions they owe me {$600.00} in claims for fraud done on my account in XXXX and XX/XX/2023 and they owe me for disputes that they never disputed such as XXXX, and other transactions ... they denied all three claims that where fraud, yet truist even had he incorrect claim amounts which shows they did not investigate this properly and they need to be audited by another dept because they have taken my money and showed they have need to refund my money ... .or they will face
Product: Credit card

On several occasions, credit inquiries were made to my social with multiple credit card companies. Though none of the inquires resulted in a credit card issuance. I still would like to be made whole and have the inquires removed.
Product: Debt collection

Maury Cobb, attorney at law, located in XXXX, AL keeps sending me robotic calls from XXXX asking me to call XXXX. Daily robotic calls to my cell phone attempting to collect a debt from someone who is unknown to me. I have contacted the caller twice to notify of the problem, but they have not changed tactics or otherwise changed their calling pattern. By nature of their systematic inability to source or acknowledge the problem I am effectively being harassed and am seeking relief.
Product: Credit card or prepaid card

On XX/XX/XXXX was statement closing date Balance was XXXX US. At the same statement appears Credits, Fees & Adjustments ( net ) the amount of XXXXus, ending up total new balance of the amount of XXXX. 
I was paying the last two years the payments appears in my statement. I asked numerous of times from Care Credit a written explanation regarding the interest amount but no written explanation given. 

Finally I contact the Care Credit / Synchrony bank on Thursday XX/XX/XXXX at XXXXXXXX. A  representative confirmed the validity of the amount of the medical care card and stated because I failed to pay out the full amount a XXXXUS of two years DIFERRED INTEREST was charge to my account. I explain to her the application was offered from my doctor 's office with free of interest. 

I did receive an email from Care Credit on XX/XX/XXXX increasing my previous balance of XXXX to XXXX, XXXX US more. 

I ask the the representative to help me set monthly payments of XXXXUS. 

She stated '' there is no payment plan available for you now ''. 

I had no other choice but to report the unfair and unprofessional practices of Care Credit card to the Consumer Financial Protection Bureau. 

NOTE : The Care Credit card can be used only for medical purposes. Persons like me with XXXX  XXXX isn't fair treated like that. 
NOTE : I notify the representative I will hire an attorney provide him all the documentation I have bring my case and situation in a Court of Law because the DIFERRED INTEREST CHARGES are OUTRAGEOUS.
Product: Mortgage

My mortgage has been sold three times for a total four times. Select Portfolio Servicing is the last company that I have had to deal with. They have indicated that I am delinquent on my mortgage which is incorrect as I have not missed a payment. I am being charged late charges on both my mortgage and home equity loan.
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 

. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX XXXX  The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Delete this inaccurate account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive 3 notifications yesterday in the evening that a dispute was resolved with Experian. I never placed a dispute. My credit score has been in the upper 700 's. When I pulled up my credit monitoring is showed a dispute # XXXX, which again, I never placed. It also would not the results, it indicated I need to contact the Dispute Department. After literally 7 people, 2 rude, disconnected and transferred numerous and put on hold and an automated voicemail picks and states they are closed. I called this morning and spoke XXXX, XXXX, XXXX and lastly XXXX ( extremely rude ). All could not help me, no reason, just that they could not provide any information pertain to this, I asked what do I do, no response but asked if there was anything they can assist with. Yes, I want to know why my credit dropped 29 points in an hour with no reason. No one can provide an answer. 
I have XXXX XXXX XXXX, spent over 3 years rectifying my credit My score has never been below 700 until now, with no reason or explanation. 

I can't get this resolved. It won't show me on my report and no one at Experian can provide assistance or is willing to help me. NOTHING has change on my Behalf. I would d like to place a lawsuit for deformation of character, getting so upset, my XXXX XXXX skyrocketed..
Product: Credit reporting, credit repair services, or other personal consumer reports

The referenced collection agency has violated the FCRA and has falsified dates within my my credit file. The collection agency states that the debt is from a XXXX XXXX account in 2015. It is true that I did have an account with XXXX XXXX in 2015 but the account that the collection agency is referring to is not the account that was opened in that year. The account the agency is referring to was opened more than 7 years ago. The date that is in my credit file is not the actual last date of delinquency for a debt owed to XXXX XXXX. The debt collector also has not been able to provide any documentation from XXXX XXXX which is the original creditor they state the debt is owed to from 2015. Instead they are only providing inaccurate falsified paperwork. They contacted me via phone regarding a debt for XXXX XXXX and did not provide any account number or information regarding what account the debt was for. In not providing me with the documentation notifying me of what debt I was paying and to whom the debt collector has violated other laws in the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX they also have records on files that are wrong. The following address are not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE SEND MY NEW UPDATED CREDIT REPORT TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

APPLE CARD/GS BANK USA 27 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XX/XX/XXXX Credit limit {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 

Past due amount {$5200.00} Highest balance {$5200.00} Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Mortgage

I have two mortgages with Caliber Home Loans. In XX/XX/XXXX, i attempted to set up biweekly automatic payments. I called and I asked to have automatic payments deducted biweekly for each mortgage. I was told there was an issue with the online system to set this up but they would mail me forms to fill out, and they could not set this up over the phone. I have never received the forms. I have called several times and each month when Ive made my payment I attempt to see if the issue with the online auto payment is available for biweekly. As of XX/XX/XXXX it is not. 

I have had other mortgage companies and have never had an issue with setting up biweekly payments either over the phone or online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX, Transunion, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Vehicle loan or lease

In XX/XX/XXXX, I, XXXX XXXX ( primary owner ) and XXXX XXXX ( co-owner ), were given a 25 % interest loan for a XX/XX/XXXX pre-owned used car. We didnt know much about car loans then and thought we were doing a good thing. Weve been paying {$390.00} for 2 years now and just found out this year that payments did not apply to the principal until XX/XX/XXXX. We noticed our loan was never going down when doing our taxes. Our car is at {$150000.00} and {$13000.00} is still owed on it. We have about 1 more year of use on this car and would have to pay {$1400.00} a month to pay it off before it can no longer be used. We have two kids, two kids and just want some sort of relief from this horrible interest rate. We pay on time and faithfully. Please help! No one will refinance the car because its NADA value is upside down its loan amount. We didnt know better and now we do.
Product: Vehicle loan or lease

XX/XX/2023 I reached out to XXXX and requested the original car contract. The XXXX car company told me that they sold the contract to Bridgecrest a day after the car was purchased. Bridgecrest had time to contact me and not 1 time did they make any attempt to do so. They mixed consumer credit with a cash transaction, which is illegal. A {$3600.00} down payment was given to XXXX after they ran my credit. ( 15 u.s.c 1662 b ) down payment illegal ) They never offered or provided car insurance which is also something they are supposed to provide. Instead, they loaned me {$11000.00}. Then charged me {$7600.00} for finance charges and {$590.00} for XXXX XXXX insurance. Taking my total of {$10000.00} to {$22000.00}. They are operating with a false contract with forged digital signatures, which is also illegal. They have repossessed the car without a valid contract, which is also illegal. Since they sold the car contract to XXXX, that now means I am paying for this car twice, which is also illegal. They never sent out paperwork for the right to rescind within 3 business days. ( 12 CFR 226.15 Right of rescission ) They sent a text message stating that they would repossess the car by XX/XX/XXXX but they got on XX/XX/23.
Product: Debt collection

On XX/XX/XXXX, I wrote to Commonwealth Finance regarding an unknown account they are reporting on my credit under account number XXXX for a sum of {$1600.00} and mailed it by certified delivery via USPS.  Please see the attached letter descibing my situation and requesting validity of the account as I am experiencing issue with my personal identity and need to confirm the correct owner of this account. I have not to date received any response to my certified mail and have not witness the account deletion from my credit files. 

Furthermore, please see the attached documents stating that I had effective medical insurance from XXXX to present and I want this derogatively reporting account removed from my ( 3 ) credit bureau files.
Product: Debt collection

In XX/XX/2018, I disputed a collections account with all 3 credit bureaus where Cavalry Portfolio reported that I owe money in the amount of {$1400.00} on behalf of XXXX. As a result Cavalry Portfolio updated my account with a note saying they conducted an investigation and that it met the FCPA along with claiming I made a payment to them which I did not along with my account being past due. I also sent a letter to Cavalry in XX/XX/2018 requesting them to validate the debt which they ignored and just sent me a bill. 

The XXXX account that Cavalry claims I owe money to is not on my credit report. XX/XX/XXXX I contacted XXXX and requested any documentation they may have but was told they did not have any current information where I owe a debt. The last account I had with XXXX was closed out over ten years ago which would exceed the statue of limitations for appearing on my credit report. 

I have not been provided any information to show that I owe this debt and that Cavalry is licensed in the state of Florida to even attempt to collect the debt.