23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This nightmare started at the end of XXXX this year and continued to about XXXX when I realized no matter how much money I stent to XXXX XXXX I was never going to see a return on the investment as sold to me by XXXX XXXX at XXXX XXXX. I was approached via XXXX with a XXXX investment opportunity it was explained that If I invest it will be a XXXX turnaround to turn XXXX into XXXX in 5 days. I was a bit concerned and spent some time getting to know XXXX XXXX. I looked at the website as provided and was given a user/password to log in it all seemed to light the info provided lacked all the steps they would through at me to claim the earned funds. After the long and tedious process of using XXXX XXXX  and Abera to move money from my XXXX account to a platform to buy bitcoin. Then to send it to XXXX to do what they do, all seemed ok I could see the profits increase each day on this fake sight. When the fifth day came about and I was to receive my funds they had requested additional funds to pay to release the profit, I was shocked as I was not told this at the start, what was I do so it looked like I had money to retrieve but spend more to get it released? I had doubts but the agent XXXX XXXX assured me that I would receive the funds upon the payment first it was XXXX to pay the processing fees. I did so with the long process of wire transfer and buying bitcoin then send to the wallet given. As I wanted my money, they sent me a notification email from XXXX that I need to pay an additional fee again and I asked XXXX XXXX 
XXXX why after he had just told me that it was the only additional pay needed. So, this goes on 3 times each time I was told it was the last payment and I would get the money and I did not all I got was another reason to pay more money to get my profit. It seemed to me that this was a scam and I stopped with the initial investment and the fess I paid I lost about XXXX in cash through the process of sending to the XXXX XXXX  and Abra via deposit and wire transfers. 
I was just trying to supplement my income, XXXX a XXXX man and have been XXXX  for almost XXXX  years when approached about this investment I was excited to find a solution that would help me support myself and my family. I have never traded before and this was my first trading experience. I used what I living off to invest and help support no income I had coming in. 
They are still approaching me trying to get to pay more fees to release the funds, and I have to stop and block the numbers as an approach with new numbers all trying to get to pay fees to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me 120 days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue.
Product: Debt collection

After reviewing my credit report from all XXXX credit bureaus there is an item that is inaccurate i was a victom of identity theft back in XXXX. it claims i had got an apt or home under my name. which is not true nor have i ever heard of them. a balance of {$5500.00} has been reported from collector. i have attached all of my DL for where i have lived going all the way back to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called chase auto finance to make a payment on time ( with in my 10day grace period ). i can verify that call throught XXXX XXXX call logs. 

With out any notification from chase it was brought to my attention that my payment was late and passed the 30 day mark, which then dropped my credit score disqualifying me from a home loan. 

I called chase to see what went wrong and the first lady i spoke to told me that there was an attempt to make the payment but it was not processed. i had more than enough funds to cover that payment. As i start to dispute their claim, their story changed and they said they have no record of me calling them on XX/XX/XXXX. 

I send them my call logs that came from XXXX  to show that i called to make the payment. 

Chase decided to stand by their decision to not change the late payment on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. Received a hand delivered letter that vehicle was past due. I immediately paid the bill over the phone in the amount of {$1400.00}. Account was up to date. 
XX/XX/2022. Vehicle was taken from residence. immediately contacted South East Toyota Finance and was told it was repoed in error. There was no due balance on vehicle. Had to take off work and drive 60 miles to recover vehicle. Was told it would not go on credit due to " unintended '' repossession. 
XX/XX/2022. Spoke with customer service rep ( XXXX ) and manager, was assured it would not go on credit. 
XX/XX/2022. Received first letter saying my vehicle was being sold at auction ( it was in my driveway ) XX/XX/2022. Showed up on credit. Spoke with customer rep ( XXXX ) and said it was reported in error and that it would be taken off. 
XX/XX/2022. Tried to make payment online and by phone. Account is showing closed. Called and spoke with ( XXXX and XXXX XXXX. was told they would send email to have it fixed. 
XX/XX/2022. Account still closed and can not make payment by phone or online, spoke with customer rep ( XXXX ) XXXXReceived letter that my vehicle was being sold in auction, the vehicle was in my driveway. Was told I received letter in error. 
XX/XX/2022. Can not make payment by phone or online. Spoke with customer service ( XXXX ). Was told I could use XXXX. I paid {$700.00} through XXXX. 
XX/XX/2022. Can not make payment on phone or online. Spoke with customer service ( XXXX ). XXXX was received but would be put in an escrow account because account was closed, she would send email to manager. 
XX/XX/2022. Account still closed. Vehicle is showing repoed. Can not make payment by phone or online. 
XX/XX/2022. Credit report still showing repoed remarks with missed payment. I had a XXXX credit score. 
My credit is horrible now. I just want to make payments and know they are going to my account. I took care of the missed payment within the hour of being notified, over two months later, and the only response I can get is " ill send an email to manager ''. Meanwhile nothing is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was in a forbearance status. Carrington Mortgage Company reported to XXXX that my mortgage payment was 30-days past due resulting in a negative impact to my credit score/report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, as outlined under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Inquiries XXXX. XXXX XXXX XXXX Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING 22 COVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX XXXX XXXX 30 Days Late Reported on XXXX XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account with Transunion numerous times. The first time, they removed it from my credit report. A few months later, it re-appeared and I disputed it again. This time, Transunion stated they were able to verify the debt. I asked them how they verified it and what proof was given to them and they stated that the collection company stated I owed the debt and that was enough proof for them. After a couple more disputes online with no success, I sent Transunion a letter certified mail with signature receipt disputing the collection account and gave them 30 days from the date of receiving the letter to investigate and remove the negative item. After 60 days of them receiving the letter, they responded with a letter stating that they verified the debt and provided no proof of how they did. On top of that, they went well over the 30 days required by law to complete their investigation or they have to remove the negative item. 

They now refuse to investigate the negative item on my credit report and will not provide any proof of how the collection company verified the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a hard inquiry appeared on my credit report from XXXX, I didn't initiate this inquiry therfore it is fraudulent. I contacted XXXX and Trans Union and they are requesting a letter of deletion from the company. I contacted XXXX  corporate and they are unable to pull up the inquiry and referred me to consumer finance.gov.
Product: Payday loan, title loan, or personal loan

This is a predatory loan with an outrageous interest rate. Almost my entire payment goes to the interest and when you are about to pay off the loan they prey on you to get more cash and refinance the loan. They send you multiple emails and texts telling you you have available funds. They know people who are struggling will take the bait. I would like a copy of every single payment along with the contracts. I intend on starting a class action lawsuit against this company.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX & XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a formal complaint regarding an unlawful medical debt collection account that has been reported on my credit file in violation of the Consumer Financial Protection Bureaus ( CFPB ) guidance and recent regulatory changes. Which is also a violation of HIPPA & is Fraudulent and is considered Identity Theft the way they obtained my information Details of the Complaint : Debt Collector : XXXX XXXX Original Creditor : FL XXXX XXXX XXXX XXXX MD Account Number : XXXX Credit Bureaus Reporting the Debt : XXXX Amount : XXXX The CFPB has made it clear that medical debt should no longer be included on consumer credit reports, as such debts are not a reliable indicator of creditworthiness. Despite this ruling, the above-referenced debt collector and credit bureaus continue to unlawfully report this medical debt on my credit profile, negatively impacting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. 
XXXX has removed all accounts associated with Account Name/Account Number : XXXX XXXX XXXX XXXX Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. 
Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act all credit reporting agencies should report 100 % accurate. Pursuant to 15 USC 1681b I did not give permissible purpose as the consumer to furnish this false information. Failure to delete these accounts is a violation of my consumer rights and I will hold Transunion civil and criminal liable for non compliance pursuant o 15 USC 1681n of the Fair Credit Reporting Act.
Product: Credit card

XXXX and Transunion have reported this incorrectly. The statue of limitations in Ohio ( where the debt began ) has run. This needs to be taken off my credit report.
Product: Debt collection

I Never received the initial notification letter regarding the account in compliance with states and federal law I was in the XXXX CA XXXX XXXX jail, from XX/XX/2020 until XX/XX/XXXX XXXX the address is XXXX XXXX XXXX, XXXX CA XXXX. I have never received the notification if I did I would have disputed the debit.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX
Product: Debt collection

I agree to a debt collection with Synchrony Bank, my debt is getting very close towards wrapping up and and the agency is trying to use stall tactics to collect more money. 
They are using falsified information and lying to me about so-called money that I owe them. 
# XXXX XXXX XXXX XXXX XXXX Again I am getting very close to wrapping this thing up and the bank is trying to stall this to collect more money.
Product: Credit card

XX/XX/XXXX I was at Chase Bank and I was notified that i owed in excess of {$5000.00} on my credit card. Purchases were made in XXXX XXXX and New York. I never received the credit card or activated it. I was never in XXXX XXXX to make any of the purchases. I reside in XXXX XXXX but whatever purchases were made were not made by me. I never received any credit card from Chase Bank at my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that these following items are Unauthorized Inquiries and are showing on my credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX BANK By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I already reached out to the Credit Bureaus but no changes has been made and these inquiries are hurting my credit.
Product: Debt collection

I have contacted the debt collector and asked for them to send me documents of the original debt that is claimed to be owed by myself in XX/XX/2023. They have yet to provide me with any documents stating that. They also provided my with an address of where the debt had occurred and that address has never been my residence.
Product: Credit reporting or other personal consumer reports

I contacted Experian because they continue to report incorrect information about XXXX old loan accounts I had with XXXX. I disputed these inquiries ( with documented proofs ) using Experian 's online dispute form, and was contacted about a week later saying Experian resolved the dispute. However, when I logged-in to see the resolution, all Experian had done was send me a note saying I should call XXXX. When I originally submitted the dispute with Experian, I informed them that I had already attempted to resolve this issue with XXXX but XXXX has not removed the incorrect information, nor have they done anything else to correct the error. The last time XXXX updated my file with Experian was almost 1 year ago, and in the past year XXXX closed my account when they transferred my accounts to XXXX, where both my loans was subsequently completely paid and my accounts closed. I submitted all this information to XXXX and Experian but they will not correct these errors in my credit report file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry in my Transunion Credit file on XXXX XXXX 2016, which should not be there. I have never authorized XXXX to make any such inquiry against my credit. Please have Transunion to remove it as XXXX have already removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX office of Customer Advocat XXXX HAS RECIVIED ( XX/XX/2023 ) MY WRITTEN NOTICE OF OPT OUT. 
HERE IS PROOF. I WOULD LIKE XXXX TO STOP REPORTING ON CREDIT FILE. ASAP
Product: Vehicle loan or lease

This is in response to your  XXXX   XXXX ,  XXXX  dated correspondence regarding my Complaint with the Consumer Financial Protection Bureau. Attached are  two cashier checks indicating the amounts that I paid, one is f or {$5000.00} dated  XXXX   XXXX ,  XXXX  and the second cashier check is for {$37000.00} dated  XXXX   XXXX ,  XXXX  which brings the total to {$42000.00} that I paid t o BMO Harris Ba nk  XXXX   XXXX   XXXX ,  XXXX   XXXX   ( r eceived by  XXXX   XXXX  in front of  XXXX   XXXX . they were talking to  XXXX   XXXX   ).  This amount disputes your claim of the {$41000.00} payoff and is a difference of {$1400.00} which is the amount that I am seeking compensation for fro m BMO Harris Bank, pl us the {$500.00} ( that I paid to   XXXX   XXXX   XXXX   in order to remove the vehicle from auction. This brings the total request for compensation to {$1900.00}