23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It shows one late payment on an account that was actually paid on time. Consumer reporting agencies must report all information accurately, and this account has not been late on payments. 

I have attached a copy of my report to this complaint, highlighting the incorrect dates : XX/XX/year>. I request that you investigate this account and immediately update these payments to reflect that they were paid on time. 

Thank you for understanding and taking the time to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Experian are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Product: Credit card or prepaid card

There are several fraudulent charges on my account. my card was used in another country! without my permission. I reported the charges to capital one in a timely manner and they are refusing to do anything about them.. I offered to provide evidence however they claim they are refusing to discuss this manner anymore with me and keep hanging up the phone.
Product: Credit reporting or other personal consumer reports

Experian, the Consumer Reporting AgencyXXXX has taken over the federally mandated 30 days to investigate inaccurate information. I have sent notice and demand to remove this inaccurate account, including all relevant documentation. Delete XXXX XXXX XXXX XXXX from the consumer credit file immediately. There are multiple violations related to this account, including breach of contract, unfair collection practice, extortion, aggravated identity theft, dishonor in commerce, defamation of character, deprivation of rights, restraint of trade. 

I have offered to repay the money, in the same specie as accepted to create the debt, if a man or woman representing XXXX XXXX XXXX XXXX signs an affidavit under penalty of perjury certifying that XXXX XXXX XXXX XXXX lent their money to purchase the loan agreement from me, the borrower, or if the original unaltered agreement/contract/promissory note is returned to me when I pay. 

XXXX XXXX XXXX, Principal XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Delaware, XXXX XXXX Principal mailing address XXXX, Date of Birth All other related documentation has been received by Experian, the consumer reporting agency, allowing the company and/or its representatives to correctly identify the consumer. This notice is relative to all XXXX XXXX XXXX XXXX accounts listed on the credit file. 

I simply want full disclosure of the details of the original agreement ( No Copies permitted ) and book entries and assurance, for the protection and benefit of the principal, that the note XXXX XXXX XXXX XXXX received was NOT stolen, swindled, nor counterfeited, prohibiting the principal from fair trade, and violating/breaching the terms of the contract. If the intent is that the one who funded the loan should be repaid, details should include proof that this was not just a conversion of funds/money, nor an exchange, but an actual loan of a sum of XXXX XXXX XXXX XXXX money XXXX What i believe happened was XXXX XXXX XXXX XXXX received my note, acted as a money exchanger, and charged me 100 % + for servicing the account. In this case XXXX XXXX XXXX XXXX would not have funded the loan, but rather converted one specie or money into another, ultimately hiding details of the alleged loan, lacking full disclosure. Then, instead of offsetting the payable account with the receivable deposit, XXXX XXXX XXXX XXXX, continues to request payment for the principal to balance the principal payable account. Response from XXXX XXXX XXXX XXXX should include the principal receivable book entry for the security/notes/credit ( s ) deposited.
Product: Debt collection

This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. 
Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, IC System XXXX Inc, lists their business address in XXXX, MN allegedly hired the firm of XXXX XXXX LLC in XXXX, MA to recover the already paid debt. 
I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. 
It should be illegal for companies to sell debt to XXXX another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. 
This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.
Product: Credit reporting or other personal consumer reports

I purchased a car from XXXX XXXX on XX/XX/year> and the dealership ran my credit twice resulting in two hard inquiries rather than one. I tried calling the financing department of XXXX, and they said that they don't have power to correct the error and that I should go to the credit bureaus. I called Experian and they said that they can't correct the error, but they have the power to remove any obvious errors such as two hard inquiries from the same lender on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company refused to accept payment to close the account. Will not reply to my emails. Now they are reporting to transunion and XXXX  that I owe twice an much as the original loan amount and it shows charge off.
Product: Vehicle loan or lease

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that i am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This late payments found within my credit report are not related to any transactions that I made. I am alleging that a person or company without my authorization-used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are inquiries that I have attempted to get information on that were not authorized. XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX ( twice ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello I sent a letter to all 3 agencies plus XXXX XXXX about non verifiable information on my report. They have responded that its accurate and verified but the court clerk and pacer both stated that they do not report information to credit agencies. 
This information is being unlawfully reported and they refuse to remove it from my report. when I responded to their letter saying its verified I never received a responded after 60 days. 

this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of record. I formally contest the reportability of the alleged Public Record.
Product: Mortgage

Client got behind on mortgage due to being diagnosed with XXXX. They asked for reinstatement amount & was adv it would be {$17000.00} or thy wld start foreclosure. On XX/XX/XXXX I wired {$13000.00} prior to the deadline to starting the foreclosure even though it was short. Then the bank sent a 2nd wire the same day which totaled {$27000.00}. The applied the funds to my account and forward posted my payments for almost a year in advance. Since they received the funds they still filed for foreclosure and charged me additional {$2500.00}. Once the 2nd wire was pulled back they backed out all of the payments and held the money in a suspense account and proceeded with foreclosure even though the {$13000.00} had been sent. Part of the {$15000.00} included the month of XX/XX/XXXX which was a current due payment plus attorney fees. They scheduled a hearing for XX/XX/XXXX. They continued to accept our monthly payments. Then I got sick again and had an issue with my employer depositing my paycheck into my account which I was not aware of when I made the arrangement for the payments. On XX/XX/XXXX I received a reinstatement letter of {$5200.00} there were other fees listed below but it is noted that those amounts were not needed to reinstate the loan. So on XX/XX/XXXX I sent a wire for the {$5200.00} just one day after receiving the reinstatement amount. Then on XX/XX/XXXX I got a letter stating they were returning the funds because the file was now back in active foreclosure and on XX/XX/XXXX they sent a letter stating it would now be {$7300.00} to reinstate which included all the fees that had been listed below the line of the reinstatement plus another XXXX for attorney fees and they have set another notice of hearing for XX/XX/XXXX.
Product: Debt collection

I have repeatedly contacted this company since learning of this debt in in XXXX of XXXX. I expressed to the company that this not my debt I have never owned this vehicle and while further investigation of this debt I was told this vehicle has never been registered as well as the address listed on this account is a business address not a residential address. I was asked by this company to submit a report from Identity theft. Gov and I did immediately through the email Credit acceptance provided to me. This company has sent me a payment book in response my dispute dating back to XXXX. This account is being reported on all three of the credit bureaus as an open account with 28 late no payments. With not even one payment having ever been made. Thats preposterous why would this fraudulent account still be an open vehicle account with no payment ever made and not be repossession account. I have never in my life heard of a company continuing to report an account with not one payment made or repossession as an active and open account with 28 late payments each reporting monthly on all three bureaus. This is a fraudulent account this is not fair credit reporting and attached will be all of my documentation to them. I want this account in its entirety removed from all three bureaus on my behalf. I have and continue to have financial losses daily as a result of this account. XXXX XXXX Mortgages all have been denied as a result of the fraudulent account thats being reported by Credit Acceptance as my account. The signatures on the the account that Credit Acceptance has uploaded are all electronic signatures, they are not my signatures they are done by a computer.
Product: Money transfer, virtual currency, or money service

My XXXX tokens were taken from Trust Wallet. See attached
Product: Credit reporting or other personal consumer reports

I am writing to inform that I have went over my consumer report and XXXX XXXXXXXX XXXX  Account # : XXXX violated my rights. 
Here 's why : This account is in-accurate and un-verifiable to me. Their is no proof that this account belongs to me and I demand proof. I believe I am a victim of identify fraud. This account also has been charged off. This also means if the account has been charged off which results ; to the company filing a 1099-c through the IRS. On my consumer report this account shows a past due balance. Their should be no past due balance since the account has been charged off. XXXX XXXXXXXX XXXX states this account is charged off which results to this company writing off the account and receiving a tax benefit for the loss. 
Some of my rights that have been violated are : 15 USC 1681 ; 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 USC 1681S-2 ( a ) ( 1 ) ( a ) 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. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under : 15 U.S.C 1681 Section 604 A Section 2 : 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.

I DEMAND THIS ACCOUNT TO BE REMOVE FROM MY REPORT IMMEDIATELY.

After your careful and proper investigation I request a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

as notified before, I am a victim of identity theft
Product: Debt collection

I was alerted to a change of a negative report on my credit report. I discovered that National Enterprise System ( NES ) re-parked/parked a debt from a previous report from XXXX XXXX XXXX/XXXX. So they reported a debt already reported which affected my credit score.

I never received any notice of the debt. No letter or correspondence and I was unsure what the debt was for. 

Also, they indicated that account was for an attorney. However, this is a zombie debt which became legally uncollectable XX/XX/2019. 

When I discovered the debt around late XXXX was on my credit report, I sent a certified letter to NES providing : 1. I never received any communication about this debt and I wanted more information about it.

2. I asked who was the attorney or law firm that the debt was being collected for in light of NES providing this was an attorney seeking the debt on the credit report.

3. Because I was activated for active duty, I was protected under the SCRA so I asked for information on the interest rates since it was unclear why I owed the money. NES responded and provided nothing I asked for except the copy of the promissory note.

I paid the amount regardless to settle but I was not provided the Initial G information, I was not provided a breakdown of cost outside the principal amount per Washington Law, this debt was parked/re-parked and I received a negative credit report for a debt that was already posted since 6 years ago, NES filed that an attorney was the account holder when there was no legal consequences especially with Washington 's new law that provides payment of a time barred debt does not re-age the debt or makes it active again, and the debt collector did not provide me any information on the interests rates charged to insure my SCRA rights were not violated. 

So I am unsure what the final amount negotiated involved, and NES in its collection efforts indicated that they were contact with the original creditor and they needed their approval of the settlement yet the credit report shows that the prior creditor of the account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates below these companies ran my credit without my authorization. I have written a letter to all 3 credit bureaus to have removed and reached out to the companies in question. None of the 3 credit bureaus or creditors have responded to my request to provide proof that I authorized them to run my credit. 

- CREDCO/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit card or prepaid card

Bank of America credit card In the past I set up automatic pay for monthly statements. 

Somehow the automatic payment wasnt processed. Then I immediately manually paid it. 
So the credit card take XXXX days to finish the process and charge me the late fee and excessive interest fee. 

This is exactly the fine the US government fined BOA for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681 ( e ) ( b ) and the Fair Credit Reporting Act XXXX and Experian after many attempts to dispute this reporting has refused to remove and delete the XXXX Bankruptcy reporting on my credit report. I have already had it removed and deleted from the XXXX credit bureau, but XXXX and Experian will not delete it after numerous disputes. I have attached my XXXX dispute to display as evidence that XXXX removed and deleted the Bankruptcy item so XXXX and Experian should delete the item too. 

Dispute dates : XXXX Date Submitted Date Completed XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> EXPERIAN Date Submitted Date Completed XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm writing to dispute personal information appearing on my credit report maintained by you bureau. Upon viewing my credit report, I noticed discrepancies in the personal Information section, which I believe inaccurate.

I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit.

According to The Fair Credit Reporting Act ( FCRA ), I have the right to report inaccurate or incomplete information on my credit report. I'm requesting that you promptly remove or correct any inaccurate information from my credit report. Enclosed with this letter are copies of documents that verify my correct personal information, including a government issued identification card and any other supporting documents.

By the revisions 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 creditors who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this investigation in 30 days of receipt of this letter. According to the act, Act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months.

Sincerely,
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ). 
XXXX. This account PAID and AGREED. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Account was paid XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX