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

I am writing to dispute the Account or File Number being charged as BAD DEBT/CHARGE OFF AND OR COLLECTIONS that appears on all 3 of my Credit Reports. I have circled the information as it appears on my credit report for a visual that this account is being reported inaccurately.
I previously was told by a representative at Automobile Acceptance that the accounts would be updated with the Credit Bureaus to reflect accurate information. That information has not been updated on my credit report correctly it has been reported as BAD DEBT/CHARGE OFF AND OR COLLECTIONS which is not TRUE/ACCURATE reporting of this account to the Credit Bureaus.
Im having a hard time comprehending why this account is still being reported to the Credit Bureaus when the account was Paid in Full on XX/XX/XXXX. Per the Fair Credit Reporting Act I have the right to dispute all inaccurate information contained in my file. Therefore I will need documentation on a Company Letter Head that the account will be deleted from my report or further action will be taken.
Enclosed are copies of my credit report from XXXX, XXXX & XXXX. I have circled the information that is INACCURATE. I have also enclosed letters from Automobile Acceptance that states that the account should be 1 ) Paid or Closed Account/XXXX Balance 2 ) Payment Rating of Current.
To resolve the problem, I am requesting that the account be removed from my credit report because this is causing major harm to my credit. This can be done and will be done because this matter should have been resolved when I received the letter from the Employee XXXX XXXX dated XX/XX/XXXX stating that the account was Paid in Full ; as well as a letter from Employee XXXX XXXX dated XX/XX/XXXXstating that the account would be updated with the Credit Bureaus. This is NO JOKING MATTER because this unresolved account is hindering my life and causing harm to me.
I need this issue expedited so that the issue will be resolve once and for all.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX XXXX  Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Amsher Collection Services is severely impacting my credit score and has placed me in financial distress. I am requesting original proof of this debt allegation. I am requesting that Amsher Collection Services stop all negative reporting to my credit report and remove this item immediately.
Product: Debt collection

On XXXX XXXX, 2017, I paid my account to XXXX for Capital Accounts LLC. Capital Accounts is a debt collection company. I called to advised them of my final payment and was told that they received my payment and my credit report will be updated in 30 days. After 30 days I noticed that the payment on my credit report increased to {$170.00}. I called again to see why my credit was showing a balance when I have paid the account in full. The representative assured me that my credit would be updated in the next 30 days. I waited another 30 days and my credit still shows that I have owe {$170.00}. I then sent an email on XXXX XXXX to Capital Accounts advising them that the information on my credit report is incorrect and to please update my credit showing that I have paid off my account. I have yet to hear back from anyone and my credit still shows that I owe {$170.00}.
Product: Vehicle loan or lease

On XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX XXXX FL issued a Buyers Order ( attached ) as relating to the purchase of a NEW XXXX XXXX XXXX automobile pursuant to a request by Bank of America 's Auto Loan Division. Bank of America based its decision in financing the above mentioned automobile based on the aforementioned Buyers Order. While the mileage of the automobile was XXXX miles at the time of delivery, the Sales Embassador of XXXX XXXX XXXX XXXX XXXX XXXX advised us that the vehicle had that mileage because of the extensive testing on the track in XXXX and the occasional miles put on during test drives as the one we had conducted. 

A letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX, Senior Client Services Executive XXXX XXXX XXXX clearly states the following : XXXX XXXX XXXX 's demo vehicle and was originally registered on XXXX XXXX XXXX XXXX. 

Had I been made aware of the fact that I was negotiating / purchasing a DEMONSTRATOR automobile I would have had the opportunity to make an educated decision based on facts surrounding the transaction. 

The fact that I purchased a Demonstrator automobile unknowingly has caused a financial burden as I believe the car was not and not represent the correct values. 

I purchased a Demonstrator / Used / Registered automobile which had a delivery date / Warranty Start Date of XXXX XXXX, XXXX. The Manufacturer Warranty of 3 years Unlimited Mileage was also reduced by 4-1/2 Months. 

Bank of America was defrauded here as well, they may not have loaned the monies had they been aware the automobiles history.
Product: Debt collection

My wallet was stolen the night of XX/XX/XXXX, someone took my CHASE debit card and somehow made two transactions at two different atms withdrawing more then I had in my account. The next day I saw my account was overdrawn and I immediately filed a claim. I also filed a police report. Ive been looking at similar cases to mine online and Ive been reading how CHASE has reversed countless claims with little to no explanation as to why or how they came to the conclusion of reversing the claim. I would like to know what are other legal actions I can use to help support my claim?
Product: Student loan

Hi, Mohela is horrible. I have made monthly payments for the following months : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - Additionally, they took out {$270.00} from my checking account for the month of XXXX when I had already made that payment. 

Overall, I have paid off {$2400.00}. However, XXXX and Mohela are showing that I have only paid off {$800.00}. There is roughly {$1600.00} that is unaccounted for by them. This is ridiculous. 

I had requested Mohela to share with me documentation of my loans that they have received by them. They sent me a link with this information that led me to the old Mohela platform, so I am unable to view this. I suspect that their information is incorrect as well. 

At this point, I want to just pay off my loans all at once to not have to deal with Mohela 's incompetence. However, I can not do so until they can confirm that my money didn't disappear and they update both XXXX and Mohela to show the correct amount for my loan payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to freeze credit with both Equifax and XXXX. Both are unable to do it online. Congress needs to hold them accountable and make credit freezes easy and transparent.
Product: Checking or savings account

On XX/XX/year> about XXXX XXXX  I deposited {$2600.00} into the Chase Bank ATM. It gave an error message and didnt deposit or give my money back. I immediately called Chase Bank while still sitting at the ATM. The rep representative advised they would send a tech out within a few hours to fix the ATM, couldnt give me an exact time time, I was told there was no need to stay by the ATM. I was assured my money would be put in my account. On XX/XX/year>, my {$2600.00} was deposited in my account. Then on XX/XX/year>, Chase bank took {$760.00} out my account. I called them on XX/XX/year> to find out why {$760.00} was missing from my account. The representative stated it was a reversal from my {$2600.00} deposit, that it was only {$1800.00} found and they took my money. I told them this was incorrect and I deposited {$2600.00} and I need my money. I keep getting the run around from so many representatives but no one will tell me where my money is. This is so wrong on so many levels, Chase Bank has just stolen my money at this point. I have filed a police report as well. The incident # is XXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, XXXX and XXXX removed my paid in full : account for First Texas Auto Credit. First Texas Auto Credit has been reporting this account to both XXXX and XXXX since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with 1st Texas off in full. XX/XX/XXXX, I in writing requested that 1st TX Auto, accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, The First Texas Account Credit Account was DELETED from my XXXX, and XXXX credit reports. I did not authorize or request the deletion of the 1st TX Auto Credit account. I contacted XXXX on XXXX XXXX, XXXX and requested that the First Texas Auto Credit account be added back to my credit report. XXXX ' agent informed me that XXXX can not place the account back on my credit report after it is deleted. I called XXXX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact 1st TX Auto Credit and request that the creditor place the account back on my credit report at XXXX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at 1st TX Auto Credit and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( 1st TX auto ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by 1st TX Auto. At this time. The 1st TX Auto Credit is currently missing from both my XXXX and XXXX credit reports. The account was removed from my credit reports without my consent. The 1st Texas Account had been on my credit reports for at least three and a half years before this account was deleted without my permission.
Product: Mortgage

CFPB, I am writing this to gain your assistance with my short sale. My short sale file and closing are being held hostage by the PNC representative, XXXX XXXX. 
We have been approved, however, XXXX does not understand the buyer must be given a tax credit at closing. Essentially, in XXXX XXXX Illinois we pay taxes twice a year and a year behind. In XXXX of XXXX we pay for the first half of XXXX and in XXXX we pay for the 2nd  half of XXXX. The second half of XXXX and XX/XX/XXXX is still owed as a tax credit to buyer. Here, XXXX is unpaid and owed the first half of XXXX on the XXXX tax bill because it wasnt paid. Approximately {$4300.00} or more will be owed for the XXXX half in XXXX and if you prorate from XXXX through closing of XXXX approximately XXXX is due at closing. $ XXXX ( a full year ) = XXXX ; XXXX per month for 10 months with an XXXX closing is {$7200.00}. He is shorting the buyer {$7200.00} from the sale proceeds which is not fair to the buyer or me. Would he buy a home and pay property taxes for the time the seller owned it? I dont think so. 


My attorney has spoken with PNC representative XXXX XXXX and she was very nice, understood and agreed a tax credit needed to be given. My attorney spent two days discussing this with her and he drafted a settlement statement to reflect the credit the correct way/the way she said to show it. We sent in the settlement statement and XXXX still denied. He keeps asking for documentation showing the taxes are owed. My attorney sent in tax documentation ( see attached ) from the county website, a video on how taxes are paid in XXXX XXXX and the number to the county treasurer for him to verify. My attorney also told him to contact PNC lenders on the home buying side to better understand how taxes are paid by his own organization. He blindly denied all, did NOTHING, and keeps asking for documentation. If documents from the county treasurer dont work, what more can we do? His colleagues understand it but for some reason he is at a loss or doesnt care to do the right thing. 

PLEASE HELP ME. All we need is for the tax credit to be given and more time to close through XXXX because the buyer doesnt want to spend money on an appraisal when he is being shorted his tax credit. XXXX keeps threatening my attorney if we dont close soon he will close out the file and we will have to start all over. My XXXX and health cant take starting over, Ive already had a XXXX, recently lost my mom, and filed bankruptcy due to this mess. I want this done with. With the tax credit and extended closing date, we can close and I can put this 4 year short sale hot mess with PNC behind me. Anything thing that can be done to help me is greatly appreciated. 

The property was damaged by fire and each day city liens and fines are growing. This can end with your help. I authorize CFPB and any media outlet authorization to speak with PNC. 


XXXX.
Product: Debt collection

A creditor is attempting to collect a debit that is not mine. The debit is ruining my credit. I do not have a contract with this creditor and the original inquiry was not sent. This debit is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never requested nor approved an extended fraud alert to be on my reports and all 3 have it. 
I want it removed Ive requested over 3 times for the bureaus to remove and they have not.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and removed from my credit report : XXXX XXXX {$0.00} XXXX remove acct XXXX  XXXX {$0.00} XXXX update to never late XXXX XXXX {$800.00} XXXX remove acct XXXX XXXX {$1300.00} XXXX remove acct XXXX XXXX Bankruptcy {$0.00} XXXX remove acct
Product: Debt collection

Synchrony Bank has reported to the credit bureaus erroneous missed payments and payment amounts prior to contacting me. In fact, they have ruined my credit by submitting late payments multiple time during each month, whereby I have received notification from XXXX  and XXXX XXXX, that a late or non payment has been reported. They have done this in access of over 6 months. Additionally, due to this false and erroneous information, they have caused my line of credit to decrease from other creditors where my payment history is flawless. SB also have tacked on a ridiculous, and I am sure unlawful, interest amount. When I purchased furniture from XXXX XXXX for my new home, I took out a line of credit which was only {$1000.00}. I paid cash at the same time. I have been paying on this line of credit since 2017 and the total balance they are now trying to collect from me is {$1800.00}. Also, they are sending threatening letters to me and saying they have tried to contact me. I have received NO calls from this creditor. Second, SB reported to the bureaus I was late and thereafter sent me notification 2 months the later- after they ruined my credit and they continue to do so each month. At this point, because they have violated FCRA rules I am NOT submitting any payments to them. Each month they report 2 late payments. For example, on my XXXX  report it shows, non payment for XX/XX/XXXX and then they reported it again on XX/XX/XXXX. SB did this for about 3 months before I was even aware they were reporting this false information. They have been reporting this information like I said earlier without my knowledge or communicating to me first.
Product: Money transfer, virtual currency, or money service

To whom it may concern : On XX/XX/24, I made a successful ( no Fraud or Risk related issues ) XXXX XXXX from my Bank to Coinbase. It was successfully ( no Fraud or Risk related issues ) accepted by Coinbase, who then successfully ( no Fraud or Risk related issues ) Bought Bitcoins for my account. 
In an attempt to Send some of my Bitcoins, I was alerted to the fact that my account was On Hold and I could not Send from my account until XX/XX/24 ( approx. XXXX weeks ). The reason given was based on protecting Coinbase and me from " XXXX and XXXX related issues ''. To get a better understanding of why such a relatively long Hold period, I Chatted with a few Agents. I basically was told that they do not make any policy decisions, they just enforce them. 
Since it was very important to me to Send some XXXX XXXX, I had asked numerous times to please put me in contact with a superior who could discuss this issue, in my opinion, of an unreasonable Hold period, and hopefully come to a reasonable compromise, especially since there was no obvious reason to suspect me of any foul play. They never pursued that option for me. 
On XX/XX/24, I successfully ( no Fraud or Risk related issues ) Sold some of my Bitcoins and had the resultant funds placed in my Coinbase Cash account. 
I discussed the Withdrawal procedure with an Agent and was told because of the Hold Period, which was to protect Coinbase and me from " Fraud and Risk related issues '', I could not Withdraw my funds from Coinbase to my XXXX XXXXXXXX XXXX Account until the Hold was lifted on XX/XX/24, I assumed for the same Fraud and Risk related issues that XXXX occur with a Coinbase transfer to a major XXXX XXXX 
Since I still believe that the XXXX week Hold was unreasonably excessive, and the fact that all I want to do now is have Coinbase transfer some of my funds from the successful Sell transaction, from my Coinbase XXXX  Account to my XXXX XXXX XXXX Account, which I believe is a very common daily function performed by Coinbase, I am requesting that the Hold Period be reassessed and have my Withdrawal or Send request honored as soon as possible.
Product: Credit card or prepaid card

I went on the website to make a payment, and after I enter my information the site froze. So I called to make the payment over the phone so I would not receive a late fee. 2 payments came out of my account but I only received 1 confirmation. I called the company they said that it would take 2 weeks to get my money back. I advised them that I could not afford to wait 2 weeks. I advised them that I will dispute it with my bank. They charged me a fee when i didn't get any notification of the payment on the website and they refused to waive it. Also I have to call every month for my payment to post to my available balance.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it explicitly mandates that consumer reporting agencies, such as XXXX, XXXX and Equifax must conduct their responsibilities with fairness, impartiality, and respect for the consumers privacy rights. As the consumer, I assert my right, supported by 15 USC 6801, which emphasizes Congress 's policy that financial institutions must continuously respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in line with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX, XXXX and Equifax lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, be it verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, XXXX and Equifax are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. Equifax and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, XXXX and Equifax are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions. 

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

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.