23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was involved in a car accident and my vehicle got totaled out and my insurance company was responsible for paying off the car the had written up a settlement which I have a copy of and has sent XXXX a check for a little more than XXXX and gap insurance was responsible for paying the remaining balance gap had yet to send in their portion of the check to finish paying off the car so XXXX put on my credit report that I was XXXX days past due for a payment after recieving the check from XXXX XXXX. This process is stopping me from being able to get another car because of this inquiry my credit score has dropped it was XXXX and has dropped to XXXX. I was never late with a payment on anything and when I did have my car I was never late on a payment with them. I 'm trying to get a new car and because of what they did to me it 's hard because of my credit score being so low now please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX EXPERIAN, are reporting an account as delinquent that are pass the seven year reporting time as allowed under Fair Credit Reporting Act. The following account should be deleted XXXX XXXX XXXX. 

According to the Fair Credit Reporting Act, Section 609 a1A, EXPERIAN are required by federal law to verify through the physical verification of the original signed consumer contract and all accounts post on a credit report.
Product: Checking or savings account

When I started using XXXX to send money, there were two occasions where money was sent to the wrong person. I felt XXXX didnt offer proper security.
Product: Credit reporting or other personal consumer reports

I have disputed my Chase card information in my credit report. This account was settled, with the company sending a settlement to my debt consolidation company and me accepting the settlement offer. The debt was paid via settlement for less than the amount owed and paid off in XX/XX/2022. The creditor is still reporting my balance as overdue and for the full amount, and has refused to reflect the account as being settled ( for half the original amount ) and that settlement being paid off ). This has stopped me from being able to secure an auto loan for the last several months, because the loan companies are still seeing this account as being behind, when in fact it has been settled and paid. Any help would be appreciated
Product: Debt collection

I sent a debt verification letter to the company on XX/XX/XXXX requesting the following documents to verify the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : -Copy of my social security card. 
-Copy of my valid Photo ID. 
-Contract signed by me. 
-Bill with my address ( within 30 days of the account opening ) -Any other documents. 
Absolute Resolutions and its attorneys provided me just with statements that anybody could create, I been asking them to verify their allegations that I own the alleged debt with valid proof, Why they are alleging that I own the debt? but they failed to provide or verify the debt appropriately. 
Since Absolute Resolutions and its attorneys are violating the FDCPA and FCRA and they still collecting the debt and have 2 cases open in XXXX XXXX Justice Court against me without sufficient evidence to do so I am requesting the following documentation to Absolute Resolutions today XX/XX/XXXX : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

The original account owner " XX/XX/XXXX '' have sold the account XX/XX/XXXX has sold the account to several collections agencies, every and all the times that I disputed the account with the other collection agencies have been removed from my credit report because they are not able to verify the account and then XXXX XX/XX/XXXX sells the unverified accounts to a different collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Product: Debt collection

I assert that your agency 's actions in attempting to collect this debt have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. The following violations have been observed : 1. Agreement bearing my signature, Verification and validation of the alleged debt, including the original creditor 's name and contact information, the account number, and a detailed breakdown of the alleged charges.

2. A complete account history, including the date of the alleged delinquency, any payments made, and any additional charges or interest accrued since the alleged default.

3. Copies of any communication or documentation sent to credit reporting agencies regarding this debt.

Your agency is required by law to provide this information and fully comply with the FDCPA regulations. You have Failed to do so and will be considered a violation of my rights, and I will take appropriate measures to address these violations.

Lack of Verification : Despite my multiple requests for verification of the alleged debt, your agency has failed to provide substantive evidence validating the debt 's authenticity.

False or Misleading Representations : Your agency has made misleading statements and threats regarding legal actions and negative credit reporting.
Product: Bank account or service

I was referred to your office by XXXX at Office of Controller of Currency. I have a Certificate of Deposit, issued by XXXX Bank ( now Bank of America ) of XXXX XXXX FL on XX/XX/XXXX. This was sent to me by FL Dept. Financial Svs, Bureau of Unclaimed Property, a content of my deceased father 's safe deposit box. The CD number is XXXX customer name XXXX XXXX XXXX or XXXX XXXX XXXX, both deceased. Bank of America said they would have sent the funds to the State. The State of Florida denies this. I have much correspondence if you want copies since I have been requesting this information from the State of Florida, Office of XXXX XXXX, XXXX, since XX/XX/XXXX. I want to know where the money paid for this CD is as it now belongs to me. I will appreciate your help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this Law because I am a victim of identity theft! Please delete those items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 section 602 of the FCRA, I am entitled to the right to privacy regarding my credit information. The inaccurate late payment entry on my credit report has not only damaged my credit score but has also compromised my financial privacy by revealing false information about my payment history. 

Furthermore, according to 15 USC 1681 section 604a section 2, a consumer reporting agency is prohibited from furnishing an account without my written instructions. In this case, XXXX XXXX reported a late payment without my consent or valid reason, which is a clear violation of this provision. 

Additionally, under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if it has been made on time. I want to emphasize that I had indeed made the payment on time, and there were no legitimate grounds for XXXX XXXX to categorize it as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act credit ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights,15 u.s.c1681 section 602A. states Ihave the right to privacy 15u.s.c 1681 section 604A SECTION 2 ALSO STATES A COMSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTION ... .NULL
Product: Mortgage

I Disputed with XXXX in Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. So I Called XXXX  again about why my dispute was not investigated correctly on XXXX/XXXX/XXXX at XXXX. Spoke with XXXX. She stated shes putting in another direct dispute and it could take up to 60 Days. Because I sent in proof of payment from a letter from E*Trade showing they confirmed my payment on XXXX/XXXX/XXXX. Also that the payment was taken out from my XXXX XXXX Checking Account with my online dispute from Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 
It still wasnt removed as a delinquency. 
As of when I received my updated experian credit report they sent me on XXXX/XXXX/XXXX. This has been hurting my credit since XXXX. I am fully XXXX and to sick anymore to fight these companies. Which E*Trades Number on my Credit Report is disconnected. 
Please please help me fix this. Im in dispert need of your help. Also with other problems that they wouldnt fix as well on my 3 Credit Reports that I 've been trying for about 2 years now. But it becomes to overwhelming for me because Im very sick. 
Thank You and XXXX Bless, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX H : XXXX C : XXXX XXXXXXXXXXXX I have proof of all my payments. 
Please just tell me where to forward them.
Product: Mortgage

1. I have an interest only loan and the servicer is Shellpoint Mortgage Servicing. This month my statement had a charge for principal. 
2. I called them but they refuse to acknowledge that the loan is interest only. 
3.Last Friday I forward to them a Shellpoint letter date XX/XX/2018 that shows no principal payments are due on my loan. 
4. I called Shellpoint at XXXX XXXX XXXX today and my call was disconnected there times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Dept of ED : XXXX ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ) Bankruptcy XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX XXXXXXXX DepXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Ally Financial concerning the inaccurate reporting of my auto account status. The said account has been deemed as charged off by Ally Financial, and subsequently, a 1099-C was issued. I hereby request that the reported balance on my credit report be accurately reflected as {$0.00}, or alternatively, be removed in accordance with the Fair Credit Reporting Act ( FCRA ) laws. 

As per the FCRA laws ( 15 U.S. Code 1681 ), it is mandated that consumer reporting agencies provide fair and accurate information about consumers ' credit. Specifically, under the FCRA, Section 623 states that information reported to credit bureaus must be accurate and complete. Furthermore, Section 611 allows consumers to dispute inaccurate or incomplete information directly with the furnisher of the information. 

I believe that Ally Financial 's reporting of the charged-off account with an outstanding balance is misleading and inaccurate as the debt has been discharged or forgiven according to the 1099-C issued. As per the guidelines outlined in the FCRA, I am within my rights to request accurate reporting or removal of such inaccurate information from my credit report. 

I kindly request that Ally Financial takes the necessary steps to ensure compliance with the FCRA by either accurately reporting the balance as {$0.00} or removing this account from my credit report entirely. Failure to rectify this inaccurate reporting will compel me to escalate this matter to higher regulatory authorities. 

Please acknowledge receipt of this complaint and provide a timeline for action in rectifying the credit report in accordance with the FCRA laws. 

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

Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Ref : # XXXX I find that the following information provided on credit report to be an error. This account was never late or owed any amount ( pursuant to HJR 192 ). You are alleging that I owe without furnishing any proof of this debt with full accounting of ledger or proof of any 1099s that were filed on behalf of my principal, or that you have followed all laws and regulations to report therefore you must remove this account from credit report.

As you know it is against the law to report any information not proven accurate. Under the laws of the State of Illinois and State RISA and MVISA status a deficiency can not be claimed unless all of required notices were properly and timely given, and all of allowable redemption and cure time limits were adhered to. Pursuant to 15 u s.c 1692a ( 1-7 ), 15 u.s.c 1692e ( 1-12 ), 15 u.s.c 1692g ( a-c ), 15 u.s.c 1666. 15 u.s.c 1681 ( a ).

The alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

If you severally fail to comply with above requests, I reserve all rights, interests and proceeds to seek damages against all parties, under all applicable state, federal and XXXX XXXX remedies. 

Thank you XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone sent me money i for a text saying that they sent the money but it wasn't there then I waited XXXX days like I was told and nothing happened
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent written correspondence via Certified U.S. mail to JPMCB - Auto Finance requesting that they delete 3 inquiries on my credit reports considering that I did not authorize anyone employed at JPMCB - Auto Finance to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to JPMCB - Auto Finance bearing my signature. 
The three inquiries : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

With my. Target credit card. TD BANK USA/ TARGET CREDIT.

I paid off my balance when I refined my house in XX/XX/2020. I was under the impression that I am a XXXX  balance. 
There was {$2.00} Finance charge. Which I did not have any problem to pay to make sure that my account is XXXX balance. 
The problem that the TD BANK USA/ TARGET CREDIT failed to communicate with me. Or notify me. I called them finally in XX/XX/2020 when I recognised that I have a past due balance. I got to know this past due balance from my huge drop in my credit score. So I called them inquiring about the problem. They said that I owe them {$2.00} plus {$5.00} fees and they send me emails about it monthly. I looked it up and I see all emails were going to my spam and my pc consider it as spam advertisement.

When I explained that to them the bank representative said that there is no default on their part and they have to report it to the credit bureaus.

It is as serious matter as I am very careful on my credit payments and my credit profile and I keep very close eye on my finances.

But when I do not get a good way of communication from the TD BANK USA/ TARGET CREDIT and they report it to credit bureaus that is unfair.
I asked if I did not response to your emails why you did not send me a letter by mail or a phone call or both.

Representative said we do not do so.

It is a serious matter as they report a delinquency in my account and I have no way of communication with the bank to get to know that I owe them {$2.00} plus there {$5.00} ( {$1.00} a month ) Fees.
That is not fair and I am disputing that. 
Thanks.
Product: Debt collection

I get repeated calls from GM Financial, but I dont have any accounts with them. I call back and they tell me they cant take me off the call list if I dont have an account. I cant understand the messages they leave because they speak in a low mumbling tone.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is charging me for an XXXX which was never delivered to me. 
XXXX XXXX XXXXI tried using XXXX XXXX XXXX service last year around XX/XX/2022 and ordered a new XXXX through the XXXX XXXX XXXX XXXX XXXX. 
-- -- -- XXXX XXXX  XXXX shipped the device and I got the XXXX tracking number but the device got lost/stolen in transit by XXXX. 
XXXX XXXX XXXX XXXX XXXX tracking number for that XXXX shipped till date shows status as " In Transit '', even after one year. 
XXXX XXXX XXXX XXXX XXXX  I've reached out multiple times in the last 1 year to both XXXX and XXXX XXXX XXXX and no one is ready to accept their responsibility and correct the course of action here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is charging me {$1000.00} for the lost XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported this to the Debt collection agency here " SUNRISE CREDIT SERVICE '' and they kept messaging my phone for collection of Debt which I don't own. 
XXXX XXXX XXXX XXXX XXXX SUNRISE CREDIT SERVICE reported this as a " Derogatory Remark '' to my credit bureau and my excellent score now looks very bad. they reported this to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ALLEGATIONS of inquiries is NOT reporting COMPLIANTLY due to one of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!
Product: Debt collection

Sent information to the MERCHANTS AND PROFESSIONAL | XXXX which includes an affidavit asking them to supply the information requested in an attempt to verify the debt I asked them to provide a wet signature prooving they had the authorioty to collect this debtwhi h they hadn't responede too They also sent me a letter stating that if I paid the full amount of {$740.00} that they had authorization from the original creditor to settle the debt in full they have been given authorization by the original creditor to remove the collections account from my credit report. I called the original creditor whi h is Balfor and they stated they gave no such autorization as the debt has been sold to the collector MERCHANTS AND PROFESSIONAL | XXXX. To my understanding it is not good practice for a collections agency to offer this in an effort to get me to pay a debt where the information on this account is not accurate. the inaccuracy is the amount being owed. My rights have been violated and I would like help getting this account remofved from my credit reports. Please find the attached letter where they stated they had authorization to pay for delete from the alleged original creditor which is a false statement to collect a debt XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release or my personal information to the companies listed below. This is a violation of my consumer right is to privacy, as they have no legal basis to report anything under my name furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries