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

The information on my report is inaccurate and needs to be removed immediately. If validation can not be provided by the court with whom is the original party, it must be removed from my credit report.
Product: Vehicle loan or lease

XXXX XX/XX/2020 i, i called hyunadi finance to make a extension for the car payment due to corona virus i had lost my job and they had a three month extension for us. but was charged XXXX dollars 2. then in XXXX we got a statement we were late three months on car payment : that was problem number one. 
3. i called again in may to talk to someone regarding this amount and they said they fixed the promo and i was okay to go. 
4. next i look up the account on line it was showing i was later again two payments so i paid XXXX on XX/XX/2020 % then on XX/XX/2020 i made another payment for XXXX XXXX this should have took up up to date on the XXXX payment but then again another problem with hyundai so now we are in XXXX its the XXXX today of XX/XX/2020 and we are now in a negative XXXX dollars so i am in so much of a panic i can not be without a car i just got a full time job back and i am doing ok i can afford my car payments please help me with this companies irresponsible actions. ^ where its the money i was charged in XX/XX/2020 for XXXX? this is robbery i need help. 
6. also in XXXX around the first week it showed i has a credit for ( XXXX ) for the petition extionsion for the corona virus relief. now today on XX/XX/2020 its show i have no credit it says i owe XXXX for four payments late. 
7. no the are yelling me saying me that my car is under repression and they are coming for the car this is abuse. i need help please they are demanding all this money and they were suppose to be helping me where is the money i have already paid for then to fix there mistake in XXXX now i owe again XXXX thank you god bless
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are not my addresses and never have been : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX These addresses are not habitable addresses as they are either USPS P.O. Box or XXXX  shipping location. The last time I checked, I can not reside at a XXXX  or USPS location. Additionally, I have contacted and verified with all my banks and lenders that these addresses were never associated with my name or accounts. Historically these incorrect addresses slow down my FBI background checks and are not places that I ever lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi- I submitted a XXXX complaint to XXXX and Transunion about XXXX XXXX charge off, account # XXXX, that is not mine that has been on my credit report over 30 days ago now and it's still being reported, also their investigation is still either ongoing or not even started as I received no response from them at all. 

Please also note a few months ago XXXX validated that the account was NOT mine and REMOVED it off of my XXXX credit report. I'm not sure why XXXX and Transunion are not being compliant or co-operative. Nonetheless I warned them about a 30 day demand to comply in the same letter mailed out to them since XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Debt collection

I am submitting this formal complaint regarding Jefferson Capital Systems for their violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and my due process. Upon reviewing my credit report, I discovered that Jefferson Capital Systems has placed an account on my credit report that was not verified as belonging to me. I have not received any prior notice or opportunity to dispute this alleged debt. 
This action constitutes harassment, defamation of my character, and an outright violation of my rights. Jefferson Capital Systems is collecting on behalf of XXXX XXXX, which has an arbitration clause in its terms and agreements. If this alleged debt were indeed mine, it should have been resolved through arbitration rather than being transferred to a debt collector. By taking this course of action, Jefferson Capital Systems and XXXX XXXX have violated their own contractual terms, further infringing on my rights. 
Additionally, my private information has been improperly shared with Jefferson Capital Systems, further compounding these violations. I demand that this account be immediately removed from my credit report and returned to the original creditor. The presence of this account on my credit report has caused harm to my reputation and subjected me to unnecessary distress. 
Please note that this account is currently in litigation and remains in active violation. I urge Jefferson Capital Systems to cease all collection efforts, remove the account from my credit report, and comply with all applicable laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent a letter to the the XXXX major credit bureaus ( XXXX, XXXX and Experian ) on XX/XX/2022 containing United States Law. These U.S codes contain and states information containing the proper use and rights of a consumers credit. The Credit bureaus didnt act and respond to the letter. As well, I was a victim of Fraud due to an XXXX XXXX resulting in my SSN card being lost. Ive sent my FTC report to the bureaus, to suppress the damages again resulting in no action. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. Experian, XXXX and Experian 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a credit inquiry on my XXXX XX/XX/XXXX I am writing to request credit inquiry that were unauthorized be removed from my credit report.
Product: Credit card or prepaid card

On XXXX at XXXX XXXX, I got an email from Citibank XXXX XXXX ) with the following content. I also got notified by XXXX. I did NOT submit this request. I then called XXXX and submitted a dispute. I tried to call Citibank but can't get through to support. 


Hi, XXXX. Thanks for your interest in opening a Citi / AAdvantage Platinum Select Card account. We're reviewing the application you submitted on XX/XX/2023 and will get back to you within 7-10 days. 

For the most up-to-date information on your application, you can check the status online at any time. All you'll need is your Application ID
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of by Credit Acceptance. The used car XXXX XXXX XXXX XXXX miles, purchase price was {$15000.00}. I was charged 22.99 % interest. The interest rate was way too high and over the allowable 21 % in Louisiana. The total is {$30000.00}. Payments are {$550.00} at 51 months. This loan was made XX/XX/XXXX. So far, Ive paid over {$10000.00} on this fraudulent loan. 
The company is also reporting 2 late payments on my credit report. I am attaching proof that payments were made before 30 days each month. Please investigate Credit Acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was  drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score.  Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( Navient ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit I feel i was negatively impacted by Experian hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 
A fine will be applied soon if proper investigation is'nt applied too. 
Please provide details to investigation or delete accounts.
Product: Money transfer, virtual currency, or money service

I have had an open on account with XXXX XXXX XXXX XXXX XXXX ; this was a contract that was picked up by XXXX XXXX. My original contract was with XXXX XXXX XXXX. They went out of business this year and XXXX XXXX offered to allow use to their facilities. This was true as of XX/XX/XXXX, XX/XX/XXXX.
On XX/XX/XXXX I mailed out cancellation notices regarding my account -- a XXXX XXXX also sent the same notice. ( this is relevant because my account is charged for both XXXX and my gym membership. ) On the following day ; I sent a notice of bank transfer authorization notice ; in the letter i state that any authorization that once had been given was fully revoked, effective immediately. I also made sure to send a copies of both notices via email to both ( XXXX ; and XXXX ) OnXX/XX/XXXX I called my bank XXXX to let them know I had revoked any rights to transfer of funds to the specific XXXX XXXX and their billing unit XXXX XXXX. My bank said that to uphold such rights to refuse use of my banking account, i would need to pay {$30.00}. I refused because it seemed outrageous to charge me {$30.00} to stop pay on {$20.00} gym memberships. To date I have now been charged two separate {$10.00} transaction from XXXX XXXX. My original contract was for one ( 1 ) year startingXX/XX/XXXX and it was effective for 12 months.
Product: Credit card

Please see my previous complaint ( XXXX ) PayPay Credit merely needs to prove to the merchant that I closed the dispute so the merchant can refund my money. I spoke with the merchant and they are ready to refund my money since they received the product back at their office via XXXX in XXXX, however I have asked PayPay Credit to simply mail a letter to me to confirm that the dispute is closed, so I can get my refund. I had a conference call with a PayPay Credit supervisor in XXXX and they said they would send a letter to my home address indicating that they dispute is closed with the merchant so I can get my refund, however they have failed to do so. My request was made on a recorded line in XXXX, for verification.
Product: Credit reporting or other personal consumer reports

This issue is regarding my XXXX XXXX Credit Card. I confirmed before receiving the card that my statement closing date is the XXXX of every month. After activating the card in XXXX, I received my first statement on XX/XX/XXXX. This statement reflected the payment I made on time with my available credit nearly full. The statement I received also indicates the billing cycle length is 31 days, which further validates that my next statement was supposed to be generated on or near XX/XX/XXXX. 

I have made all of my payments on time and kept my utilization percentage at 10 % or less for credit reporting purposes nearing the statement closing date. Today, on XX/XX/XXXX, my credit score dropped XXXX points because XXXX XXXX reported a balance of more than {$400.00} to the credit bureaus, several weeks before the next scheduled statement/reporting date. 

I have only been using this card for a little over a month and Ive already had a problem with an unauthorized charge on the account, which I reported a few days ago. After adding up my previous statement balance and the 2 most recent transactions I made after XXXX statement closed, it seems XXXX XXXX has added these up and reported them to the bureaus outside of my scheduled reporting date. 

This action has absolutely wrecked my credit score and needs to be corrected by the business immediately.
Product: Money transfer, virtual currency, or money service

1. At no point in the initial set up of an account with XXXX was it stated the account holder must provide an ID -- drivers license, passport .... in order to set up the account.

2. 10 seconds ( literally ) after the initial set up, I received a message my account was frozen 'due to suspicious activity '' (??? ) and to upload a copy of my drivers license, passport etc. SO, Venmo would have my bank account number AND ID?? 

3. I called Venmo ( that's a joke of al the reps reciting the script ). So I wrote to the CEO an within a few days received an email stating my account was 'unfrozen '. OK, Great ... til # 4 4. Appx 2 weeks later, my account was again frozen due to suspicious activity ( there had be NO activity ) With an email insisting I upload ( AGAIN ) a copy of my ID. 

5. I have not received any reply from the numerous emails I've sent to VENMO reps after the second 'freezing '.

6. At this point, I can't get my balance from Venmo, send or receive money or close my account. Closing my account is exactly what I prefer at this point.

7. Happy to copy and paste all the correspondence to Venmo if requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Re : Cease and Desist Request and Demand for Removal of Collection Account from Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally demand that you cease and desist all collection activities regarding the above-referenced account. I do not acknowledge any debt to your company and dispute the accuracy of the collection reported on my credit report.

This account has been causing undue damage to my creditworthiness, and I demand that you immediately remove any references to this account from my credit reports with all major credit reporting agencies, including but not limited to Experian, XXXX, and XXXX. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you cease all communication with me in relation to this alleged debt, except to inform me that your company will comply with my request to cease collection efforts or notify me of legal actions that may be taken.

I expect the following actions to be taken within 30 days from the date of this letter : 1. Removal of the collection account from all of my credit reports.

2. A formal confirmation in writing that you will no longer pursue collection of the debt.

3. Verification that the account has been resolved and all adverse information has been removed from my credit report.

Failure to comply with this request will result in me pursuing further legal action and filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney General. 
Please be advised that I am fully aware of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to assert them if necessary. 
Thank you for your prompt attention to this matter. I look forward to your written response within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
DISCOVER BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter on XX/XX/2022 and XX/XX/2022 to AmeriCollect Inc and XXXX XXXX XXXX and each time both companies failed to validate my debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 shows a late payment, I don't know the amount they claim I owe for that month. 
Its for my XXXX Credit Card. I was setup on a payment plan because I was laid off. XXXX had agreed that I pay {$180.00} for XXXX  months to give me time to find a job etc. I paid as agreed. XXXX stated that they don't report to credit bureau while payment plan is setup. I contacted XXXX through email to ask about the late payment. They said tgey never reported any late payments to the credit bureau and I needed to speak with the credit bureau. I tried disputing online attaching the email correspondence between XXXX and XXXX. I was declined saying information reported is accurate. I then wrote letters asking the credit bureau to remove the late payment and I have received notification that info is accurate. This late payment is XXXX  my XXXX XXXX. I will be trying to buy a home. XXXX help me get this mistake removed
Product: Mortgage

I filed a request to have PMI insurance removed per their policy because it was within 2 years of my mortgage. I mailed my application with check for {$150.00} around XX/XX/22. It was cashed by PHH Mortgage on XX/XX/22. I did many significant improvements on the home. The appraiser came out on XX/XX/22. 

Since then, PHH states they can't send me to appraisal and that they can't remove my PMI yet as they " need more time to process the request. '' It's been two months with no resolution. Every week they state that they don't have any answers. They also keep charging me PMI even though the escalation manager says it should be taken off. I have complied with all of their requests and I can't get any resolution.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several inaccurate items on my credit report that are adversely affecting my employment prospects. This is my fourth written request for resolution, and I am demanding immediate action. Failure to address these inaccuracies promptly will result in aggressive legal action. 
Disputed Accounts : XXXX. XXXX XXXX Account # XXXX Legal Basis for Dispute : This account violates XXXX XXXX Code XXXX, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXX v. XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt XXXX constitutes a violation of this statute. I demand the immediate removal of this account. 
XXXXXXXX XXXX XXXX  Account # XXXX Legal Basis for Dispute : This account reflects willful non-compliance with XXXX XXXX XXXX XXXX, as supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), where the Supreme Court held that willful non-compliance with the FCRA could result in substantial damages. I insist on its removal immediately. 

XXXX. XXXX XXXX XXXX Account # XXXX Legal Basis for Dispute : This account violates XXXX XXXX Code XXXX, which prohibits false, deceptive, or misleading representations in debt collection. The case XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), established that inaccurate reporting by debt XXXX constitutes a violation of this statute. I demand the immediate removal of this account. 

XXXX. These following address are errors never lived there XXXX simler ave., # XXXX XXXX XXXX XXXX  XXXX Please remove it from my credit report. 

XXXX. These following address are errors never lived there XXXX XXXX XXXX XXXX XXXX Co XXXX Please remove it from my credit report.
Product: Debt collection

I missed a call from the debt collector and I returned the call and stated Im returning the call. The collector stated they were looking for me, and I never verified I was the person whose name he stated I asked what the call was regarding and he responded its regarding a debt and I asked if he was familiar with the laws he told me yes and he can disclose that its regarding a debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I Paid this account off on XX/XX/XXXXhe amount was XXXX my credit score was XXXX on XX/XX/XXXXonce my account was updated on XX/XX/XXXXMy score decreased to XXXX  I reach out to XXXX  XXXX and they stated I never missed a payment and they don't know why they did that I have included My XXXX  account the first one as of today my score went down from XXXX minus XXXX points on my account you can see from XX/XX/ it was XXXX  ) on XX/XX/XXXX  and in XX/XX/XXXX  THE RECORDING IS INCORRECT IF YOU MINUS XXXX FROM XXXX EXHIBIT XXXX PAGES YOU WILL SEE ITS WRONG SCORING SYSTEM XXXX THEY DECREASED MY CREDIT REPORT FOR NO REASON