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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I initially had a personal loan and then they financed a car for me. I paid months in advance and was NEVER late. The former mgr, XXXX XXXX was wonderful and I was paid up until XX/XX/XXXX. So on XX/XX/XXXX, I made a double payment of XXXX, XXXX payments were XXXX through their automatic payment method XXXX, My balance at that time was XXXX and when I checked to see if the payments were applied, it showed my balance was XXXX. They only XXXX to principal. I called XXXX XXXX branch mgr in XXXX, AL to correct the problem and he has never RESPONDED. It still shows as only XXXX going to principal. I have asked for an audit of my account to no avail. 
Payment Entry Customer Name : XXXX XXXX Account Number : XXXX Contract Number : XXXX Last Payment Date : XX/XX/XXXX Last Payment Amount : $ XXXX Balance : {$2300.00} Regular Payment : {$270.00} Total Amount Due : {$270.00} Amount to Pay : To continue with your payment, please click " Continue '' below. 
To cancel your payment, please click " Cancel ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from AMEX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMEX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX only reporting me 30 days late in XX/XX/2015. There was an error on their part. I was never 30 days late.
Product: Debt collection

I've made numerous attempts requesting proper validation of the debt I have requested in writing to the collection company and to the credit bureau 's to provide me with a detailed breakdown/ contract with a signature of what I allegedly owe. I have yet to receive any proper documentation it's been well over 90 days. Disclosure verification of debt : not given enough information to verify debt. The account was removed from my XXXX report some time in XX/XX/2017 due to non validation.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$200.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The account with XXXX XXXX has been declared not mine and documents have been sent to XXXX and XXXX and XXXX .XXXX has refuse to remove the collection from my credit report I have sent paper work proving my statement Debt agencies Portfolio Recovery account number XXXX amount of {$1000.00}
Product: Debt collection

This debt is not mys I had XXXX  account in XXXX I paid my bill in full I have no knowledge of this account I was living in XXXX at the time I never lived at this address you have the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

These people are XXXX of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others. I WAS NEVER 60 OR 90 DAYS LATE ON MY XXXX CARD. HERE IS PROOF FROM XXXX SHOWING I PAID. UPDATE TO " PAID AS AGREED '' NEVER LATE
Product: Money transfer, virtual currency, or money service

I purchased something through a seller on XXXX XXXX but the whole transaction was made via paypal. I paid {$100.00} on a product using paypal, not knowing that the seller was a scammer and did not send me the product hence he got my money and his phone is no longer active. He stopped replying to me and just took my money. I appeal this claim through paypal asking them to help me out because i got scammed, but they said they are not able to do it for me. XXXX XXXX XXXXXXXX also said that it should be paypal who needs to fix my problem not them. Please help me out as i dont want these scammers to find another victim while Paypal was just denying to help me as well as hundreds of their consumer who got scammed through their platform. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax refuse to remove an address that does not belong to me. its removed and then reappears
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION, XXXX, AND XXXX  ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS; ALL 3 BUREAUS ARE IN VIOLATION OF:
1. 15 US Code 1681 b 2 - 
2. 15 US  Code 1681 c 2 -
3. 15 US Code 1681 e b -
4. 15 US Code 1681 a 2- 
5. 15 US Code 1692 C C
6. 15 US Code 1692 G
7. 15 US Code 1602 P
8.15 US Code 1601

ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE,ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX  all have furnished reports on my behave with out my written consent and arent helping remove these negative items that is imparing my trust in the banking system and the consumer reporting agency. These reports are identity theft because no consent was ever given. ( 15 usc 1681 ( B ), written consent never granted, ( 15 usc 1681 ) this information is not supposed to be included in my report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Experian and XXXX are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the file. XXXX XXXX XXXX XXXX : {$1600.00} ; If Experian and XXXX feel there is a possibility the account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If Experian and XXXX do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference.

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.
Product: Mortgage

This loan was originally with XXXX XXXX and was sold to Freedom Mortgage as of XX/XX/XXXX. XXXXXXXX XXXX  had put the loan in forbearance due to lack of income. My now fiance started having XXXX in XX/XX/XXXX. We both resigned from our teaching positions to figure out her health which is why we needed to put this into forbearance. I was also working on getting my ex husbands name off the loan. I had called numerous times over the summer and fall to get advice on how to move forward with my mortgage and ask for forbearance. I felt defeated each time not knowing how to move forward. It was a lot to navigate as I had been given different information each time I called. In XXXX, they offered a modification where the payments would resume in XXXX. The modification brought the payment to {$2400.00} for principal and interest and {$900.00} estimated escrow which was affordable because my fiance began working again as a manager in retail. I wrote a letter asking for help and why on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX who told me that I needed to get a Quit Claim Deed recorded at court and to call the court house. I called XXXX, NH court and they gave me a website to " file '' online. I had no idea what I was doing but I filed online through the court system and it was denied. I also applied for legal aid through the state of New Hampshire and was waiting to hear back from them. A month later I received the letter from the Legal Aid stating they could not help me with my case. On XX/XX/XXXX I called the court in XXXX, NH again and they told me to file a Quit Claim Deed with the Registry of Deeds. I called them and they told me to get in touch with a Title company. I spoke with Freedom Mortgage on this day too and spoke with XXXX. She told me I needed to restart the Loss Mitigation Process again because they can not go back to the original offer. At this time, I did not know this offer expired and I explained that I was given the wrong information about how to remove my ex husbands name, and in XXXX my XXXX passed away. I had to restart the Loss Mitigation process again at this time. I followed up again on XX/XX/XXXX and XXXX said the loan was still with Loss Mitigation. I was working with the title company at this time to get the Quit Claim Deed. On XX/XX/XXXX, the new Loss Mitigation offer was available. The payment was too high and similar to the original payment of the loan so I asked for it to be reviewed again. Today, the company called and gave a similar offer to the last offer. Long story short, I have not felt supported through this very difficult situation. It is confusing. I have been given inaccurate information each time I called. Please help me.
Product: Credit card

First, the credit card charged me a late fee for the card member fee. When I closed the account, my reward points disappeared. There was never an option to use the reward points on the website. Thank you. 

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

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

TD AUTO FINANCE XXXX Late Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
CONSUMER PORTFOLIO SERVICES Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX {$280.00} XX/XX/XXXX XXXX  XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX/XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX {$4400.00} XX/XX/XXXX XXXX  XXXX  XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX XXXX XXXX  XXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$51.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

After TransUinon had deleted a inaccurate late notice from XXXX XXXX XXXX for XX/XX/2020 TransUinon reinstated the inaccurate late notice without giving me the 5 day notice before reinstating as required by the FCRA. This is a violation of the Fair Credit Reporting Act. This late notice for XXXX is inaccurate.
Product: Debt collection

I was involved in a vehicle accident in XXXXas a result I ended up having XXXX XXXX.I have had no problems with my XXXX  at all.This matter was handled by my attorney and he has the letters that state my debt was paid in full with a zero balance as soon as the insurance company paid we paid all debts owed.Now 4years later the Dept of Treasury Bureau of Fiscal Service has come back saying I owe them $ XXXXThis is money they are stealing from me for something I do not owe.They have determined that the things they are charging me for are related to my accident.However nothing they have is in any way shape or form connected to my accident.XXXX  is XXXX XXXX XXXX XXXX -- XXXX XXXX  is XXXX XXXX  -- XXXX is a XXXXXXXX XXXX XXXX XXXX XXXX..and as far as the XXXX  XXXX you can look and see it is for my XXXX.I was diagnosed with XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX and had my 1st XXXX  XXXX then.they are replaced or opened up every so often..as for the XXXX XXXX XXXX I have XXXX  and anybody with common sense knows it doesn't get better..none of these things are related to my accident and my attorney has filed a dispute but they just continue to take the money and then change collection agencies..I am XXXX and on a fixed income and they have already taken money since XX/XX/XXXX at over {$150.00} dollars a month ..it hurts and they won't try to fix it..we have the documents to prove what we say but they just ignore it..I didn't know what else to do..the document attached shows the original date from XXXX plus the date they sent the first letter XXXX4 years
Product: Credit reporting or other personal consumer reports

On XX/XX/, I attempted to obtain free annual reports from more than 10 of the companies that the Consumer Financial Protection Bureau has listed on their website but I had no luck. Each attempt turned into a process. These processes are why I'm filing this complaint. The personal and private information that these companies have are given to total strangers INSTANTLY. No hassle. No waiting. But when the individual that this information pertains to requests to view it, it becomes a highly secured better have all you t 's crossed and all your i 's dotted process. This is not RIGHT!! People who don't even know me can have access to all the ups, downs, highs, and lows of my life INSTANTLY because they paid the required monthly fee but I have to jump fences and hurdles to gain access to the same information that at the end of the day is nobody 's business but mine in the first place. I mean who gives these companies permission to rummage through court records, arrest records, billing records, insurance records, etc?! I sure didn't! They dig through your personal life and find all the negativity that they can find then have the nerve to put a process in your face when you try and find out what they are telling people about you. It's unconstitutional is what it is!! They shouldn't be allowed access to your personal business in the first place but when you sign a waiver and allow them access, they should provide the information to you as fast as they provide it to the public
Product: Credit reporting or other personal consumer reports

XXXX  charged off my credit card account and as been reporting it illegal on my credit report i have sent them numerous letter and fax to remove it. i am getting lawyers together this is absolutely ridiculous. you can not report a charge off account the way you are reporting it adandn experian as confirmed multiple times that the information is being reported accurately so hopefully the lawyers can shed some light on this. please remove this charged off account the dates are wrong the amount is wrong its not following any of the fair debt reporting laws and i have seriously had it with this company no 1099 was sent to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Wfds obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

It currently shows that I owe an alleged debt with Grimm Collections. I have no idea who these debt collectors are. There has been no provision of an original contract or binding agreement complete with signature between myself and the alleged debt collector.

On a report of credit that is connected to me, it shows that Grimm Collections has account connected to my personal information that is closed, but continues to increase every month. 

That is misleading, misguided and an inaccurate. It is an egregious abuse of misinformation, and a theft of identity as they have my personal information without my permission or consent. It is a gross misconduct and abuse of the practices as a debt collector and should not be tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act. 

This also shows that before allowing misinformation and inaccuracies to be allowed on a report of credit connected to me that all credit reporting agencies and bureaus did not investigate properly before allowing these negatives remarks and balances to be placed on said report.
Product: Credit card

A XXXX weeks ago I requested credit limit increase on my Capital One credit card and was denied for the following reason : there is a legal action pending against me. I called Capital One XXXX  to find out where they received that information from and I was advised they contacted XXXX to furnish the information off of which they made their decision. Since there is no legal action pending against me I got really concerned and contacted XXXX. XXXX confirmed that my report did not contain such information. I called back Capital One XXXX  and XXXX contacted their XXXX, their XXXX  contacted their supervisor, their supervisor contacted supervisor 's supervisor and an XXXX based agent answered me to provide my XXXX report together with the letter I received from Capital One to them so they could take a look and verify that information. I faxed all the required information and on XX/XX/year> I received an online documents to call the customer service as the written correspondence they received could not be fulfilled. I contacted the CS again and was transferred from XXXX place to another till a lady picked up the phone and advised me that there was nothing she could do to help me. I even asked for the copy of the report XXXX provided to them but she classically refused to provide that information to me. So the letter they provided to call their XXXX  was just another way to win time and dismiss me thinking the customer will drop his saga. The information they claimed to have used to make a decision` is absolutely false and they need to clear their records as their unsubstantiated date may become public without any base which can hurt me in any credit dealing I might have in future.