23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have recently paid this account off yet i still see late payments on this account. initial issue was in XX/XX/XXXX, when making my payment a suntrust representative asked if i wanted to skip a payment and put to end of term. I agreed because i trusted was as innocent as he portrayed. i went on vocation and came back to realize that not only did this guy not push payment to end of term but my car got repossessed. XXXX assured me and apologized for inconvenience and allowed me to get car back with payment all fees. Advised that they will be able to push payment out to end of term and be able to reduce payments to XXXX at no time was this explained that this would be considered a " Modified loan ''. I was tricked into believing i was refinancing. few years later when i was declined for many banks to get a new car loan after my son was born i realized that this account had XXXX late and a repo that was not suppose to show. I called suntrust to also find out that the so called modification they had was for a different vehicle. when i mentioned this to legal they immediately tried to coerce me into signing another modification with 07 nissan 350z because in exchange to remove all late fees on the account. keeping from me important information like GAP coverage may be forfeited, higher overall paid for loan and potential negative aspect on credit report. My vehicle was later involved in a accident and vehicle was paid off. At this time no Late payment were suppose to show on this account and loan modification was suppose to be taken off since they had wrong loan modification paperwork signed on my account and i was not aware i even had a loan modification. I was even told that if i refused to sign new loan modification that they would make me pay the account current by retro modifications back at its so called inception. i called yesterday XXXX and spoke with a lovely representative whom could n't even pull up my information yet suntrust continues to verify this account with credit reporting companies as " Valid ''. When i asked her if she could send information pertaining to account and modification that was on wrong vehicle she said they had nothing. So how can they continue to report information that they ca n't even verify?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the charge-off entries on my credit report associated with the account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete and indicates not my account. 

I have received a 1099-C form from the creditor, indicating that the debt related to this account has been canceled and reported as income to the IRS. As such, the debt is no longer valid, and the continued reporting of this charge-off is misleading and inaccurate. Resulting in my rights to be violated that are protected by the FCRA laws. I request that the charge-off entries be removed from my credit report to reflect the cancellation of the debt immediately. 

I appreciate your prompt attention to this issue Thank you for your assistance. 

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

Hi, this company Consumer Adjustment Company is reporting a delinquent account on all 3 of my credit Files XXXX XXXX, XXXX, XXXX. I am the victim of Identity theft and this account does not belong to me. have reached out to this company and to no avail have gotten no response. This company is reporting that I owe a debt of {$970.00} for a company called 12 check n go whom is the original creditor. I Have attached my Police report case number as well as my Identity Theft Case number. I have not received any information form Consumer Adjustment Company regarding this debt, and somehow it is now reporting negative on my Bank Account. I am asking that this company delete this fraudulent debt from all 3 of my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have contacted TransUnion Consumer solutions on ( XX/XX/2022, XX/XX/2022, about inaccurate and UNVERIFIED information on my credit report. They have claimed that they have verified it with companies that I have attached they they did not verify this information. Appalled by this information, I went directly to the sources and have provided hard copies from the sources with information that TransUnion keep saying verified. 

I am aware of the FCRA states, that a Credit Reporting Agency must remove inaccurate or unverified information from its files in 30 days after dispute. However, the Credit Reporting Agency is not required to remove accurate data from your file unless it is outdated or can not be verified properly.

TransUnionConsumer Solutions failure to respond within 30 days of receipt of this information and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against TransUnion and your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reporting ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing this account that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting.
Product: Credit reporting or other personal consumer reports

I discovered some inaccuracies on my credit report that are in violation of 15 USC 16c-2. I assert that this information is incorrect and negatively impacting my creditworthiness.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have disputed this One-Capital One-XXXX Regarding to a late payment that's reporting on my credit report this late payment has been deleted from my XXXX credit report but not remove from my XXXX credit report. I called XXXX directly, I was told Capital One never issued a reply as to removing the late payment from my XXXX credit report. This late payment has caused me to get denied for loans and lines of credit. Please remove the late payment for the month of XXXX immediately. I have proof showing its been updated to paid as agreed with XXXX. Once again I need this late payment removed immediately from my credit report this is causing my great financial harm. 

Capital One- Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020 it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Debt Buyer {$10000.00} Balance as of XX/XX/2023
Product: Credit card

I purchased a ticket for {$240.00} from Frontier Airlines on XX/XX/XXXX. On XX/XX/XXXX someone accessed this reservation and canceled it. I requested a full refund from Frontier Airlines, and they would not grant it. I specifically told them I did not cancel the reservation and asked them what country the cancellation came from, and they would not provide that information. 
The reservation was purchased on a Barclay 's Frontier Airlines Mastercard. Once the charge was listed on my account, I disputed it. On XX/XX/XXXX, I called Barclay 's to check the status of my dispute, and the customer representative indicated they had rejected it. The representative said that I should write Barclay 's Billing, Disputes and Fraud department to notify them that this was a fraudulent charge. On XX/XX/XXXX, I wrote and sent Barclay 's that letter. On XX/XX/XXXX I received a letter from Barclay 's dated XX/XX/XXXX stating " After further review, we're not able to assist you with obtaining a credit to your account due to the following : Insufficient proof that the merchant has violated the invoice/contract 's terms and conditions. ' This statement did not state anything about Barclay 's fraud protection, which as far as I can tell is non-existent despite their claims otherwise. On XX/XX/XXXX I canceled the Barclay 's Frontier Mastercard and sent Barclay 's a letter stating that I dispute their implication that there was no fraud, and that I would not be paying the charges and any associated fees, and that they should pass that information along to XXXX, XXXX and XXXX. I will note that all I was asking for was fraud protection. Frontier Airlines has a system with very little security, such that someone was able to access my reservation and cancel it. Barclay 's Frontier Airlines Mastercard should protect its customers from this type of fraud.
Product: Credit card or prepaid card

Creditor XXXX XXXX approved me for an 18 month no interest promotion for a charge that I placed on the card, I made all my payments on time and paid off the remaining balance on the due date, however the creditor did not honor the promotional agreement and has charged me the interest and has refused to correct there error after several conversation 's also XXXX improperly reported account balance to the credit bureaus for almost 2 which caused my credit score to drastically decrease and caused me the opportunity to get my home refinanced.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX my social security number is XXXX and my date of birth is XX/XX/XXXX. 
This CFPB complaint has been led to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX with a balance of {$630.00}. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections, as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

There was a delinquent XXXX debt purchased by Convergent Outsourcing. I reached out to Convergent Outsourcing via email to pay the debt, but there was no response. I subsequently reached out to XXXX to pay the debt. Prior to payment, I asked if XXXX would terminate their assignment of collection authority to the reporting debt collector ( Convergent Outsourcing ). They said they would, as soon as I paid in full. 

I paid the full amount on XXXX XXXX, 2022. XXXX week later, my credit report stated that I paid Convergent Outsourcing- the account was paid to XXXX, not Convergent Outsourcing ; therefore, the information reporting is inaccurate. 

Moreover, per XXXX, the debt was " recalled '' ( technically, terminated the assignment of collection authority. 

Today, I spoke with a representative of Convergent Outsourcing ; they refuse to honor any termination and will not remove the inaccurate reporting.
Product: Debt collection

I recently noticed several ( 5 ) accounts listed on my credit report from a debt collector, Lanier Collections, and I do not know anything about these accounts nor have I received medical treatments from the entity they are representing. I am not responsible for these fraudulent accounts.
Product: Debt collection

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. The following company is affecting my credit : PENN CREDIT CORP
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been listed on my credit report. Upon reviewing my report, I have noticed several discrepancies in the information that has been reported. 

Firstly, the account with XXXX  ( account number XXXX ) is inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Secondly, the account with XXXX XXXX ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Thirdly, the account with XXXX ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Furthermore, the account with XXXX XXXX ( account number XXXX ) is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. The same goes for the account with XXXX ( account number XXXX ). 

Lastly, the account with XXXX XXXX  ( account number XXXX ) and XXXX XXXX account number XXXX ) are also inaccurate. There is no record in my possession that these accounts belong to me. You must remove this inaccurate information from my credit report without any delay. 

I would like to request that you investigate these matters as soon as possible and take the necessary steps to correct these inaccuracies. I appreciate your assistance in this matter. 

Thank you for your attention to this matter. 

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

I have a few inaccurate items on my credit report, my name is XXXX XXXX. XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to resolve the issue of inaccurate/ fraudulent identity theft information on my credit report about a bankruptcy filing. I have asked XXXX  to provide me with proof of the claim and nothing happened. I asked them to remove the inaccurate bankruptcy claim several months ago and I have been fighting with this situation for 6 months now. I referenced the Fair Credit Reporting Act and apparently it is being disregarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank account ending in XXXX settled showing unpaid. Case number XXXX settled for {$1500.00} as agreed.settled on XX/XX/2022 XXXX bank account numberXXXX  settled in full for {$380.00} as agreed on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX : It appears that the first letter I sent was verified and I dont agree. I have attached the second letter onto the attachments down below. Your company has violated my rights within The FCRA section 609. You didnt use the correct steps in verifying the inaccurate accounts and errors youve claimed to be mine and forcingly placing accounts on my report. I asked for the steps of the verification method because I know that the FCRA SECTION 609 states that you must have an original contract showing that I owe a debt along  with the signature shown on the original contract. I have asked for that and I havent gotten a respond from any of your credit bureaus. Its been a total of 90 days. No creditor has responded within that time as well and all the inaccurate items should be removed immediately. My next step is to file a complaint with the FTC if you dont remove the accounts immediately. This is my second letter and I am keeping record of all the letters and documents that have been sent to your company. If this continue with anymore reports showing verified I will be forced to go down to the county court house in XXXX Georgia to file a lawsuit upon your companies. This is a warning. I have attached pictures of the inaccurate accounts and inquiries to be removed along with a 2nd letter of warning. Also pictures of my passport and social security card.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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

Title Loan ... in the amount of {$2400.00} ... 
Payments {$400.00} per month / for 12 months. Plus daily Interest. 

Dated XX/XX/XXXX .... consumer has paid a total @ {$2400.00} from XX/XX/XXXX through XX/XX/XXXX. Consumer is asking XXXX to rollover or refinance the balance out for a shorter period or refinance for lesser Payment amount. ( If any ) ... 

the loan could be considered paid in full ... .with a settlement of a Interest fee or additional fee to close out loan agreement. 

Otherwise, consumer will payout another {$400.00} for additional 6 -- months..and payoff a total of {$4800.00}. For a {$2400.00} loan. 

XXXX doesn't offer a grace period on due dates. 
XXXX  doesn't offer Consumers an adjustment or something once Consumer pays the full loan amount ; ... why are Consumers made to pay additional months of high payment and interest added. There's no relief once Consumer pays back the full amount. 

XXXX is luring Consumer to a 12 -- month agreement without options after Consumer has paid back actual loan amount.
Product: Credit reporting or other personal consumer reports

I previously had chase credit cards and the last time I made payments on them was approx. XXXX. I filed XXXX  XXXX bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX and these card were included in the bankruptcy. I have reported the inaccurate reporting multiple times to have the accounts removed or fixed. Chases refuses to fully investigate the reporting that is NOT in accordance with XXXX guidelines and chase knowing continues to report these credit cards wrongfully. The even show charge off information and that must be removed per XXXX  yet Chase willingly refuses to even investigate the disputes fully and only send back the same information saying it's correct even when it's wrong.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you verify as accurate :
Product: Money transfer, virtual currency, or money service

I have been a user of Coinlist since XXXX when they were started. 
I have registered with them and passed XXXX 
I had money in that account. About $ XXXX worth of cryptocurrency. 
My account was stolen and I've tried contacting them via their support tickets and the phone. 
Nobody is answering or responding to tickets. 
https : XXXX Other people are complaining about the same issues. That nobody is responding. 

My email and passwords were changed Mon, XX/XX/XXXX and the company does nothing till now. 

Please help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested to have this collection reviewed and investigated through Transunion. This debt from XXXX XXXX XXXX and The XXXX Apartments is reporting incorrect information with wrong dates and amount due. Today is XX/XX/year> and the investigation is taking longer than the 30 days. Ive been trying to get this resolved with the credit bureaus for sometime now, but nothing is being validated correctly.