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

XXXX XXXX reported a collection account on my credit, the charges and the balance is 100 %. I reached the XXXX Financial department and they acknowledge the mistake they did and they said they will delete the account from all credit bureaus. They sent me a letter confirming that they will contact the credit companies and the account will be deleted in 30 days. 

Other credit agencies deleted the item except for Experian when I contacted them and send them the letter that XXXX sent me, instead of removing the wrong account from I received a notification which says this : " Your original dispute was modified by an Experian Disputes Specialist '' First of all, they should not change or modify my dispute, and secondly, I send them an official letter from XXXX XXXX which shows that this account should not be on my credit report. 

I'm very much disappointed with Experian and how they're handling the issue.
Product: Credit reporting

I 've initiated several disputes with Experian over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. XXXX & unknown medical collections are one in the same, but neither one can help. So how is it the Bureau claims to have all the info, but they ca n't find me in their system. First credit keeps reporting every month even after receiving my documents months ago, and the debt supposedly was a vacuum cleaner?? and there is a loan fro XXXX? No clue even after calling their fraud department. I would never get a vacuum for this much and would n't buy it from a place called XXXX. What I 'm uploading now is just XXXX of many. I am hoping to get some resolution to this and focus on my children and work. Hope this finds you well Consumer financial protection bureau. Thank you for hearing me and my husband today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with XXXX XXXX  as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX regarding a specific account ( s ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected immediately!
Product: Vehicle loan or lease

I purchase a XXXX  XXXX XXXX and financed it through Wells Fargo dealer services. The purchase price of the car was {$15000.00}, by the end of the sale the total of the loan was for {$20000.00}. Now I'm not certain but that is alot of money for taxes and tags. I only had the car for a year before it got repossessed since I couldn't make the payments of {$410.00} a month. Recently I purchased another car for {$13000.00} and my loan total is {$15000.00} and this is not through Wells Fargo. I'm pretty sure they over charged me for the taxes and finance fees. I've heard that they got sued for this recently too.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations not mine : 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, TX XXXX Resident type Post office box accounts not mine : XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$10000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$360.00} Status Collection account. {$360.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$930.00} Status Collection account. {$930.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative
Product: Credit reporting

I have attached documents and a written explanation why this negative information should be removed from my credit record.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent XXXX and experian a letter disputing the inaccurate account and the unauthorized inquiries that's reporting on my credit report.I am requesting that they removed them ASAP because they are damaging my credit profile and keeps me from obtaining things due to my credit.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit bureau Can you give this information if my person does not authorize, thank you XXXX These lenders have accessed your credit file : XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX The Trasunion company is reporting these inquare without my authorization, I also do not recognize these credit applications with any of these companies, I request that they be removed immediately from my credit profile under the fair credit law which the credit bureau Can you give this information if my person does not authorize, thank you XXXX These lenders have accessed your credit file : XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX
Product: Credit card or prepaid card

Synchrony Bank XXXX said i owed {$29.00} for XXXX and also charged me a {$29.00} late fee. I have " Value pay '' print outs of all items purchased that show I'm current.
Product: Credit reporting or other personal consumer reports

I C Systems is not the original creditor, and I do not have a contract with this company. Balance {$370.00}. This account was placed in collections.
Product: Vehicle loan or lease

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has XXXX information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or a immediate update of the following XXXX  information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to file a complaint against Capital One regarding a dispute I initiated under the Fair Credit Reporting Act ( FCRA ). The timeline of events is as follows : - On XX/XX/2023, I submitted my original dispute letter to Capital One. The dispute pertained to eleven late payments associated with a closed account. In my letter, I requested that Capital One remove these late payments unless proven to be accurate. 

- On XX/XX/2023, Capital One responded, asking for necessary information to properly investigate my dispute. I promptly provided the required information the following week. 

- The last correspondence I received from Capital One, dated XX/XX/2023, stated, " The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. '' Notably, there was no written confirmation or explicit acknowledgment that Capital One had thoroughly investigated the late payments or verified the accuracy of the information. 
It's crucial to emphasize that my original dispute was not framed as a courtesy request but as a formal dispute under the FCRA. Capital One 's response appears to assume a courtesy basis, overlooking the legal obligation under U.S. Code 1681s-2 to conduct a reasonable investigation in response to a dispute and provide accurate information.

Moreover, the necessity of reaching out to Capital One multiple times to reiterate my requests is not only inconvenient but also extends the resolution timeline, causing undue stress and potential harm to my credit. This prolonged process raises concerns about the efficiency and fairness of Capital Ones dispute resolution procedures.

I believe there may be violations of U.S. Code and the FCRA in Capital Ones handling of this dispute, particularly regarding the lack of written confirmation, the assumption about the nature of my dispute, and the extended inconvenience caused by the need for repeated communication.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with U.S. Code and the FCRA. Enclosed, please find copies of the relevant documents, including my original dispute, the response from Capital One, and any other supporting evidence.

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute.
Product: Debt collection

I received a robo / spam call on XX/XX/2021. I called the number back, spoke to XXXX at Ability Recovery Services on XX/XX/2021 at XXXX pm and had the following conversation regarding the following collection account being reported by your Company to the Credit Reporting Agencies. In my conversation with XXXX, which she said was recorded, we talked about an account you are reporting on my Credit Report regarding the aforementioned account. I old her I do not know who she was and the alleged account is disputed in its entirety. 

XXXX told me to pay it in full or Ability Recovery Services will report and continue to report the account to the Credit Reporting Agencies even though the account is disputed in its entirety. No address or contact information was given to me to contact the original creditor other that the name of a hospital. I was not given any further assistance in resolving this matter by XXXX. When I explained to her my only other alternative was to file a complaint in court, serve your company, the hospital and the Doctor and she told me to go ahead. She also laughed and said go look at your credit report. 

I have contacted the Original Creditor by phone and they do not have any records they can forward me. 

The XXXX Practices of Ability Recovery Services use intimidation, threats and causes intentional damage to consumers like me in order to collect monies they do not even know are owed.
Product: Credit reporting or other personal consumer reports

It is my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL withPERMANENT DELETIONof these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolutions via court in my jurisdiction. 

Drawing from my research and complete comprehension YOU nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha -/numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all or minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are eitherUNTURE, INCORRECT, INCOMPLETE, UNTIMELY, UNAWARE OF, NOT MY RESPONSIBILTY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed IMMEDIATELY, do so TODAY, even right NOW! The obvious infractions are listed below : XXXX XXXX : Account number : XXXX, How did you verify this account. 
XXXX : Account number : XXXX, How did you verify this account. 

COMPLIANCE EXPLANATION APPROACH : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. " Unless you provide testimony to facts are physically certified, this claim is unlawful to report.DELETE OR PROVEevery notation, date, balance, total 426 CHRC, P6 statement, identifier, and all 386 PCS of confirmation, notes etc. '' As you are aware, Federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % corrections, 100 % completeness, 100 % timeless and 100 % in compliance otherwise every single item even each or all of the related regulations, mentioned or that if any or each item being reported is challenged for its legal reportability in which case and I am doing such, I demand as my legal rights allows that you follow the mandated as required by Data Furnisher to demonstrate in unabridged sufficiency of the facts exactly as composed and relayed to you. This includes substantial display of all law requisites such as proof of documented identity of the individual alleged as having ownership or proven responsibility of alleged accounts which are still unfounded claims in my report.
Product: Checking or savings account

20 year ago I put some money away now I ca n't locate my money I put away with chase
Product: Payday loan, title loan, or personal loan

I called Spot Loan on the XXXX of XXXX at XXXX and spoke to the company representative, XXXX. I explained that I had joined the military and am now XXXX XXXX, and wanted to invoke my SCRA rights of lowering the interest rate to the XXXX XXXX cap. I also requested for the interest rate to be backdated to the date I joined the military, XX/XX/2022, and to be repaid for the payments made since then. 
He placed me on hold, and then transferred me to the floor manager, XXXX, at XXXX. XXXX said that they can not change the percentage rate @ XXXX XXXX interest, and that there was still a balance due according to the original payment agreement. He refused to lower the rate, and to extinguish the remaining balance.
Product: Money transfer, virtual currency, or money service

and your account.

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
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 XXXX. 15 U.S.C. XXXX, section XXXX ( A ), states that I have the right to privacy. 

XXXX XXXX. XXXX, section XXXX ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. XXXXc ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) states : 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 just looked at my credit report and I've found several inaccuracies. This account XXXX is showing that it was opened on XX/XX/XXXX on XXXX, Transunion is reporting it as opened on XX/XX/XXXX this is inaccurate. Also the Date of last active is showing XX/XX/XXXX on transunion, XXXX is showing that the Date of last active is XX/XX/XXXX how is this possible? this account has been re-aged XXXX is not even reporting this account. Transition failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has violated my consumer rights. This is my final attempt to have this account removed, cease all reporting of this account. 
Accounts Name- XXXX  : Account XXXX : XXXX
Product: Debt collection

They are putting collections on my credit report and i have no idea what they are and they never have anything itemized!! Im first off in XXXX  XXXX bankruptcy and the hospital that i used was using and old insurance instead of the newer insurance to collect amounts which i have had the new insurance for a year! I have finally have resolved the insurance debacle with the hospital but i have no idea what was ran through old insurance!! I want these removed off credit report until the this is resolved period!!
Product: Debt collection

In XXXX of XXXX, I moved out of a rental. In XXXX of XXXX the past due rent amount was submitted to a collection agency called IQ Data. I reached out the IQ Data 's office and was instantly met with a contentious and extremely aggressive agent by the name of XXXX who claimed she was the manager and there was no one above her who could assist me. From the very start she was unwilling to listen to any of my concerns as the amount being requested was incorrect. I dealt with the rude comments and unprofessional behavior that she exhibited as I was fixing my credit to purchase a home. Nonetheless, I tried to work with her as well as hiring a attorney from a debt resolution company and they were met with the same difficulty. The collection account was already reporting on my credit report. On XX/XX/XXXX, IQ Data decided to add the exact same collection account to all three bureaus as a new collection account. I filled a dispute with bureaus and the debt was validated as correct. This is NOT correct information. I am in a position that there is nothing that I can do. She has completely destroyed everything that I have worked hard to fix with one key stroke of the key board and now I am unable to purchase a home because of her tactics and illegal reporting.