23daVinci/CFPB_Complaints huggingface dataset:
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 rights to privacy and confidentiality under. 15 U.S.C1681. ** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. ** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXXXXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : Child Support acct # XXXX Acct name : XXXX, XXXX # XXXX Acct name : XXXX acct # XXXX Acct name : XXXX acct # XXXX Acct name : XXXX XXXXXXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXX XXXX Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. * 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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. * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Debt collection

i had to pay {$750.00} to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX in XX/XX/XXXX.They transfered it to Rash Curtis & AssociatesXXXX XXXX XXXX XXXX, XXXX, CA XXXX i paid Rash & curtis {$750.00} on XX/XX/XXXX.after paying bill also they did n't send me a receipt and did not provide me a bill for it, still they sent this as negavtive item to XXXX credit baurau.

i requested XXXX to remove it from my credit report they said they ca
n't do it though it is paid, Rash & curtis associates and XXXX XXXX XXXX XXXX XXXX said same
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as they are fraudulent & was opened without my consent or knowledge XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 12 years, Bank XXXX did not let me refinance with another banks because bank XXXX marked my credit report 2 times in XXXX and XXXX with incorrect information and complicated my life moral and financial. 
First they made a mistake with my whife name XXXX XXXX XXXX XXXX XXXX, the bank included her name on the title and the mortgage was only in my name XXXX XXXX XXXX XXXX. We bought the house in XX/XX/XXXX and we lost the house in XX/XX/XXXX the Lawyer XXXX XXXX XXXX said for us leave the house, then we back to the house in XX/XX/XXXX because the bank XXXX didn't take the house back, we don't know why because we don't know how the law with Mortgage works here in XXXX and I did a modification just in my name The program XXXX save our home in that time.I would like to know if I can have a compensantion for the damages caused unfairly on my credit report because I finished my bankruptcy in XX/XX/XXXX and I aware I have to wait 10 years to do any refinance with another bank but the XXXX XXXX marked on my credit report that I did bankruptcy in XXXX then he reported in XX/XX/XXXX marked me again said I had banckrupcity and chapter XXXX in that date that is incorrect and this is unfair because in those 10 years I have been always paid my mortgage on a due date just now I'm in the Forbence Plan, I have to start pay the house in XX/XX/XXXX. I have all papers from the Bank and from the XXXX showing to prove that I'm saying the truth. Bank XXXX and Bank XXXX worked together against us. The title is on the name of the bank XXXX and I can not make full payment before XXXX, and I can't sell the house either I'm sending all documents about the house and courts by mail. The bank XXXX stopped reporting to my credit report my payment since XX/XX/XXXX and I have all documents showing the payments until today. I don't have the Title and deed of the house. 
I tried to refinance the house with another Bank last month and I found that I can't make nothing because of the derogaty, bankruptcy and chapter 7 marks was reported on my credit report and another bank told me the title is in the name of XXXX Bank. I will send by mail all the documents tomorrow XX/XX/XXXX. I sent here just small file the rest I will send by mail because they are big file. Could you please help me! 
Thank you so much!
Product: Credit card or prepaid card

I overpaid my credit card account and am owed a total of {$780.00} and was contacted/advised that my account was closed due to XXXX reporting that I was a high risk account. 

I have earned approximately {$930.00} in rewards for use on the Amazon card through Amazon 's website. I was told these rewards would be forfeited. 

I believe the account was either mistakenly closed or closed due to inaccurate information obtained from XXXX or provided to myself. 

I spoke with XXXX, ID XXXX XXXX, Manager, and he explained to me that the points would be forfeited upon the account closure at their pleasure. I find this to be unacceptable since it was already agreed upon that I would receive points for making purchases on Amazon 's website.
Product: Vehicle loan or lease

Kia Motors Finance XXXX XXXX Tx Paid loan off 10 months early, on XXXX/XXXX/XXXX Title is recorded with State of Georgia, e-title. 
TITLE STATUS IS UNDER LIEN XXXX spoke to Kia Finance representative. they confirmed account paid in full and closed. title department will release lien on E-title, send me notarized confirmation the title has been released. Title department only works Tuesdays and Thursdays. 
XX/XX/XXXX Kia representative stated an email will be sent to title department to investigate and resolve issue. allow 24-72 hours to research and resolution They only work Tuesdays and Thursdays. Representative will request they send Lien release letter. Timeframe estimate unknown. 
XX/XX/XXXX or about, Two Copies of a letter from Kia stating the final payment had been received and the account status is paid in full and closed. The letters are obviously photocopies. 
XXXX XXXX XXXX took Final Payment letter to Ga Department of Driver Services. XXXX informed the letter was insufficient to have the lien released. It must be original copy on corporate letterhead and signed to be considered for releasing lien. I brought that requirement up with Kia Special Agents when discussing release letters from that point forward. 
XX/XX/XXXX representative is transferring call to Special Agent Escalation Team based on our multiple calls on the same issue. Title Department experienced non-specific errors in clearing the lien. GA DMV would need to be contacted. Kia 's last recorded entry on the claim file was XX/XX/XXXX. 
XX/XX/XXXX Transferred to Special Agent. She stated Title Department has not responded to previous [ internal ] email, then transferred to supervisor. She will try to have a Lien Release Letter sent to address of record. She will ask title department to follow up with Georgia XXXX XX/XX/XXXX Special Agent stated the release request was rejected. Agent would send an email to Title Department to release title electronically then have release documents sent to home address. Indicating this has not worked in the past, the call was transferred to a supervisor. Supervisor explained no one in the Special Escalation Team has authority to directly contact the Title Department. 
XX/XX/XXXX They had not yet heard back from Title Department from last week 's request. I asked if there was a corporate complaint contact. and was provided a mailing address in XXXX XXXX CA. 
XX/XX/XXXX Representative stated the request from the Special Agent Escalation Team was closed on XX/XX/XXXX. Special Agent Escalation Team expressed my claim has been escalated to the Care Department. I will be contacted within two business days. 
XX/XX/XXXX There has been no contact from the Care Department.
Product: Checking or savings account

I received two emails on XX/XX/XXXX in regard to being enrolled in Online and Mobile Banking with Bank of America as well as an application being approved for a Advantage SafeBalance Banking Account. 

I called Bank of America on XX/XX/XXXX and they confirmed that the account was opened on XX/XX/XXXX and closed on XX/XX/XXXX due to not being able to confirm identity of the account opener. No transactions were taken on the account.
Product: Mortgage

My loan was sold to Carrington earlier this month. I told Carrington I had been working with the previous lender to correct a grossly erroneous tax bill. This error increases my mortgage by several XXXX dollars a month. I have provided Carrington the corrected tax bill which they paid to my County ; however, my next payment due still reflects the inflated amount from the incorrect tax bill. As it stands now Carrington will be escrowing roughly a XXXX a month when my yearly tax bill is only around {$2000.00}. The correct tax bill and the original amortization schedule are attached. My XXXX payment should be roughly XXXX they have it at XXXX.
Product: Debt collection

I was hurt at work and had to go to the emergency room on XX/XX/XXXX. I was told they would not take my insurance information because it was a work related incident. My employer spoke with the hospital in person and I was told everything was taken care of and not to worry about the finances by hospital personnel and my employer. I was never made aware that I would ever be financially responsible for the bill. I did not even know I owed money until collection calls began coming in. I spoke to the Aargon representative and told them my situation and they refused to help me and just demaded payment immediately. XXXX refused to remove the debt from my name after speaking with their billing department. On XX/XX/XXXX my employer began making payments directly XXXX, still XXXX refused to take the debt out of my name, but I was assured on the phone it would be removed from collections. Months later I was still receiving mail from the debt collector Aargon Agency showing my balance decreasing, but XXXX assured me several times over the phone that my bill was no longer in collections. As of XX/XX/XXXX the bill has been fully paid off by my employer but I still show a collection on my credit report from Aargon agency.
Product: Money transfer, virtual currency, or money service

I was scammed by an online person that claim to be able to resolve my traffic ticket. 
On XX/XX/ I sent {$100.00} to the user " XXXX '' via Cash App, then later the user stated he needed another {$80.00} to complete the job. 

Upon sending the funds, the user blocked me. I contacted Cash App for assistance, and after their investigation, they claim that there is no evidence of fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the persistent issues I have encountered while attempting to dispute and correct the late open accounts and also the removal of late closed and charge off on my credit report. I have made numerous attempts to rectify these discrepancies, but unfortunately, the inaccuracies persist across different credit bureaus. 

Despite my repeated efforts to address these issues through the dispute process, I have not seen any significant improvement in the accuracy of my credit report. I believe that the continuous reporting of these inaccuracies is adversely affecting my credit score and financial standing. 

I kindly request a thorough investigation into the discrepancies mentioned above and the immediate correction of the inaccuracies on my credit report. I have attached supporting documentation, including proof of timely payments, account closure, and any relevant correspondence with creditors. 

Furthermore, I request the removal of late closed accounts, and charge-offs that have been inaccurately reported on my credit file. It is imperative that my credit report accurately reflects my financial history and responsibility. 

I understand that credit reporting agencies play a crucial role in maintaining the integrity of individuals ' credit profiles. Therefore, I trust that you will handle this matter with the utmost urgency and diligence. 

Please provide me with a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and the updated version of my credit report. Additionally, I request that you inform me of any further steps I need to take to ensure the prompt resolution of this matter. I am asking for your assistance to correct these late open accounts and remove the late closed and charge off in my credit file : 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 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- I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account XXXX XXXX
Product: Debt collection

was notified twice about a debt, and asked for original contract with wet signature, all information from the original creditor, name, phone address, billing history / payments, proof of ownership of debt
Product: Student loan

My wife and I ( although the loans are in my wife 's name ) took out XXXX loans with XXXX, the state agency that provides loans for students that attend the university XXXX. There were XXXX loans:XX/XX/XXXX for {$5400.00}XXXX,XX/XX/XXXX for {$5100.00} and XX/XX/XXXX for {$52000.00}. Totaling {$63000.00} We are the first to admit that our payment history to vsca has been " spotty '' at best! There loan servicer NAVIENT, has recently sent us payment requirements for payments totaling {$360000.00}!!! with a payment schedule that is outrageous. I know these debts are ours to repay and we have not done this to, perhaps, the best of our ability, but this is outrageous. Aside from shocking and frightening us, these are scare tactics. Do they really thing we will pay 6X the amount of the loan? We had not been contacted by NAVIENT prior to this letter.I guess my complaint, then, is the business practices of both XXXX and NAVIENT. This falls just short of internet scams and phone calls to " little old ladies '' telling them if they do n't pay there gas bill on time they will come for their house! Thank you for listening.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX - Charge off XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXXXXXX XXXX  XXXX Balance XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Late/closed XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

The website stopped responding and now I can not get my credit reports. The site says I already got them which is not the case.
Product: Debt collection

Disputed with the company on XXXX. Company received my dispute on XX/XX/XXXX, XXXX XXXX as it shows according to the certified mail. It is now XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, but I have not gotten a response.
Product: Debt collection

XX/XX/XXXX received a notice of income execution. on XX/XX/XXXX received notice off 10 % being taken from my paycheck for a bill off {$5300.00}. I have called and tried to talk to attorney/creditor about this. I don't know or have never heard of the company they are claiming i owe this money to. They ( Pressler and Pressler ) claim to have talked to me in XX/XX/XXXX about this bill, the last time they were able to contact me so they say. since XX/XX/XXXX i have been trying to clean up and fix my credit. If i had any idea of this or thought it was something i owed i would been asking for a settlement amount. since it does not show up on my credit report and have received nothing by mail until XX/XX/XXXX giving me only until XX/XX/XXXX to pay or dispute {$5300.00}. I feel this is not my bill since i have record of this or have never heard of the card they say i'm owing. This is called XXXX XXXX XXXX. i called the sheriff 's department which has told me they never had correct information or address for me this is why i never heard about it until now. i was also told they the sheriff 's can not stop or do anything at this point only Pressler and Pressler can stop it and investigate it. i'm very upset that if i owe this money i was not given a chance to settle this. but my records show nothing of this company.
Product: Debt collection

XXXX XXXX claims to use XXXX XXXXXXXX as their debt collectors, but I have been repetitively harassed by 'XXXX XXXX ' at First Financial for months. She has now threatened to lower my credit score if I don't pay money I do not owe. I have the paper trail from  XXXX to prove it. My gap insurance was not handled correctly by XXXX XXXX. XXXX has provided updated EOB 's showing I only owe {$60.00} copay XX/XX/XXXX ( it is XX/XX/XXXX now ). The billing department at XXXX seems unaware of First Financial. I don't know how First Financial would know what XXXX originally said I owed without them interacting, but I know someone must be lying to me and I am being threatened financially due to this negligence. I am attaching the EOB from XXXX proving I just need to pay the copay.