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

The letter on pages 5 and 6 of the attached documents highlight a series of billing errors and federal law violations that took place as explained to and summarized by XXXX XXXX collection agent. XXXX XXXX had been denying me access to paper and electronic statements since XX/XX/XXXX. On page 5 the " Validation of Account Information '' table clearly states the account was allegedly palced for collection beginning XXXX XX/XX/XXXX, but was returned to XXXX XXXX on or around XXXX XX/XX/XXXX with effective date XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, page 3 of the enclosed documents, XXXX XXXX alleges the account was charged-off on or around XXXX XX/XX/XXXX. However, it was still with XXXX XXXX ' collection agent as of that date ( per page 6 ). Now, Since XX/XX/XXXX I have observed three ( 3 ) periods during which XXXX did not bill yet reported delinquency status to the consumer reporting agencies, advancing the delinquency by thirty ( 30 ) days coincident with the end of billing cycles : XX/XX/XXXX thru XX/XX/XXXX, XX/XX/XXXX thru XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX claims the inaccuracy of the reporting has been due to my billing error disputes, for which the first billing error issues were raised in XX/XX/XXXX with XXXX XXXX and their collections agent, and with their new collections agent on or around XXXX XX/XX/XXXX ( see p. 7 -9 ). XXXX XXXX has never been able to reconcile my account, yet they have continued to supply false/misleading/inaccurate/unverifiable information to the CRAs that has been disputed every few months and then has to allegedly be " reconciled ''. Pages 9 through 18 provide an example of one such set of reconciliation which caused the month of XX/XX/XXXX to flip between paid as agreed and 120 days past-due, with an annotation for the prior period only alleged to be thirty ( 30 ) days past-due. I have received zero ( 0 ) statements from XXXX XXXX since XX/XX/XXXX. At resent XXXX XXXX is claiming there is an alleged ninety-seven ( XXXX ) dollar amount past-due for the month of XX/XX/XXXX. Yet XXXX XXXX made clear to me on XXXX XX/XX/XXXX that " Because of the age of your debt, we can not report it to a consumer reportin agency. Paymen or non-payment of this debt will not affect your credit score '' ( see p. 2 ). It is clear that XXXX XXXX is unable to reconcile my accounts. The fact that XXXX XXXX acknowledged reconciliation needed to take place on multiple occasions is a clear indication that they have been unsuccessful, and incapable, of reconciling my account information to report accurate information to the CRAs. After over a year of attempts to reconcile my account, XXXX XXXX knows, or should know, the information they are supplying to the CRAs is inaccurate/unverifiable/misleading. As such, I am asking the account/tradeline to be completely removed from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. please remove these accounts due to fraud 1 ) XXXX XXXX XXXX XX/XX/2018 {$390.00} 2 ) XXXX XXXX XXXX XXXX XXXX closed XXXX XXXX balance {$1800.00} 3 ) dept of ed/XXXX {$36000.00} 4 ) Dept of ed/XXXX  {$36000.00} 5 ) XXXX/XXXX  {$4600.00} 6 ) XXXX  XXXX XXXX {$3700.00} 7 ) XXXX XXXX XXXX   {$3700.00} 8 ) XXXX XXXX {$3600.00} 9 ) XXXX XXXX
Product: Credit card or prepaid card

USAA Bank Paid {$800.00} toward my VISA account via a direct bank to bank transaction on XX/XX/2019. When I noticed the payment was posted but there was no change in the available credit, I contacted USAA. 

USAA indicated that there was a hold until XX/XX/2019. 

This is the XXXX season. More importantly, as a XXXX veteran, who served 20+ years, I am having XXXX XXXX on XX/XX/XXXX and had planned to use my card today and tomorrow. Although stated in their terms, this practice would appear to be predatory and unfair to veterans and American consumers, at large. 

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

This is inaccurate. 

Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX And so with this, the late remarks started 120 days. 

XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 120 XXXX  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 150 XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit card

credit card company is harassing me on my job, I do n't even know how they got the number they call our general number and have left messages with my coworkers which has caused me numerous issues.
Product: Credit card or prepaid card

{$4100.00} called and disputed they will not take off my credit report
Product: Credit reporting or other personal consumer reports

I did not authorized these companies run my credit report XX/XX/XXXXXXXX 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
Product: Debt collection

Received a phone call from a collection agency to my wifes phone saying a dept collection I have no ideal what it is because my bills are with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX SELFREPORTED XXXX Balance : {$280.00} ; XXXX SELFREPORTED XXXX Balance : {$220.00} ; XXXX SELFREPORTED XXXX Balance : {$190.00} ; XXXX SELFREPORTED XXXX Balance : {$21.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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
Product: Mortgage

Seterus continues to refuse to provide paper monthly statements mailed to my household, which was agreed upon over 14 months ago and after numerous complaints still agreed to the statements mailed monthly to my household. Seterus again has removed all account information and previous history on my account online. Seterus also eliminated and prevented digital monthly statements online. These issues never have been resolved no longer that a month or so then back too varying degrees of missing account information, no online or mailed statements received. I have no ability to have a history of account activity, nothing stated on account online how much my payment is or due date. These reoccurring issues have been going on over 4 years now.. I contacted Seterus on XXXX and was put on hold again XXXX XXXX stated a work order was generated and I will receive statements next month. Same action every time but no solution ever. I am certain 100 % that next month nothing will be corrected and Seterus will take 6 months to correct this after responding to this complaint, and after the correction the following month the problems will be back ... ..LOOK AT PREVIOUS COMPLAINTS ... ... ... .HELP ME.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX. In less than 6 months, the vehicle began having issues with the AC and I had to spend money to have the vehicle repaired which caused me to fall behind in payments. I also needed to purchase a battery which was reimbursed for by the car copy. I explained to Global lending Services the situation with the repairs and was told that I basically had no choice but to pay. I offered to have the late payments out on the back end of the loan, they refused because it was less than 6 months. They came and repossessed the vehicle and there is a XXXX balance I told them that this is a wash because I was sold a vehicle that clearly did not get fully inspected or repairs and the " warranty '' I got from them included in my purchase was suppose to cover things like this but didn't. I was also told during the contract signing it would be covered but it is not. Additionally I was supposed to have GAP coverage but it was not added. I was lied too through this entires process.
Product: Credit card

I am a victim of identity theft I have two case numbers with XXXX XXXX police department in Georgia from my purse being stolen I am still suffering from things being opened in my name I am requesting that the company provides an ID as well as my signature to open this account if they do not provide me with a copy of my ID that I have since the report was made then I am demanding that be deleted off of my report this is not my account please remove from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I trust this letter finds you well. I am writing in continuation of our previous correspondence regarding my dispute of the collection account associated with the auto loan and account number XXXX, reported under the account name XXXX XXXX XXXX. 

I appreciate your prompt response and the efforts taken to verify the accuracy of the reported account on XX/XX/2023. However, I am still seeking clarity regarding the verification process undertaken, as well as the evidence that was used to confirm the accuracy of the information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide me with a detailed explanation of the method used to verify the account 's accuracy. This explanation should include a step-by-step account of the verification process, highlighting any communications or actions taken with the creditor or data furnisher in question. 

Furthermore, I request that you include any supporting documentation that you received from the creditor during your investigation. This documentation would allow me to thoroughly review the proof provided and assess whether it aligns with my own records and understanding of the account 's history. 

As a consumer, I believe it is my right to fully comprehend the verification process and the evidence that supports the reported accuracy of the account. This information is crucial for me to make informed decisions about the resolution of this matter. 

I kindly request that you provide the aforementioned explanation and documentation within the stipulated timeframe as outlined in the FCRA. Your cooperation and transparency in this regard will greatly assist me in reaching a fair and accurate resolution. 

Once again, I appreciate your attention to this matter and your dedication to ensuring accurate credit reporting. Please provide written confirmation of your response and the documentation enclosed. 

Thank you for your prompt attention. I look forward to receiving the requested information and documentation at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$3500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Mortgage

I called my mortgage company to make my regular monthly payment they advised me that there were late fees on the account I advise them I was unable to pay any at this time I needed to make my regular monthly mortgage payment they started arguing with me that I needed to start paying my late fees right away and since I was refusing to set up the late charges they were n't going to take my paymentthe representative said let me get you over to my manager since your not wanting to address for paying your late fees. I advise the representative that I am one person supporting XXXX people and that it would be nice if when I call to make my mortgage payment they do n't give me such a hard About late fees I will pay the when I can and today I was unable. the rep made sure to advise me that if I did not pay the late charges that they would refuse the payment and not allow me to make my mortgage Payment. with FHA loans at day XXXX the investor locks out accounts until the total amount due is paid the rep advised me that their own policy was once you go over XXXX in late fees I have to pay them or they would refuse my payment so XXXX mortg corp would put XXXX people out on the street for {$250.00} dollars? That sounds and is absolutely absurd what is XXXX dollars over 30 years? I 'm paying before the end of the month each month because that 's how I get paid not because I 'm a deadbeat or want to encure late fees. Every time i call this company its a fight to pay my mortgage. It should n't be.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX XXXX  - {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$3400.00} XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I am a victim of identity theft, on XX/XX/year> some obtained an unauthorized title loan in my name with Best Egg for {$49000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602A. State I have the rights to privacy. 

15 U.S.C 1682 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not have communication with the consumer in connection with the collection of any debt.
Product: Credit card or prepaid card

The comenity bankXXXXbread XXXX company charged me interest on a balance that was paid 2 weeks prior to the due date. There was no balance left to charge interest on. I have called and requested they waive or dispute the charge but they refuse and keep hanging up on me.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies letting them know the inquires and accounts below are unauthorized/ not supposed to be visible on my consumer report. I Never gave them permission or consent to report them. This Aggravated identity theft. 
XXXX  document included below. 


Aggregated identity theft 18 USC 1028A
Product: Credit reporting or other personal consumer reports

Multiple Inquiry on my report were made without my authorization.
Product: Debt collection

I tried contacting True Accord after receiving a letter in the mail in an attempt to collect a debt in which I sent an email as one of the methods indicated for the dispute in regards to dealing with a third-party app named XXXX not working on my behalf to deal with a fraudulent merchant that they sponsored on their website. The email was sent on XX/XX/XXXX, and they have yet to respond to my dispute nor acknowledge that they received my dispute. A week following I sent a follow-up email which they also have not responded to. The amount requested is {$760.00} which I deny and do not accept as a charge being that the merchant whom I purchased from was not as described and was not up to the company 's promise or standards. 

A quick background on the debt : I made a purchase in XXXX of XXXX and have dealt with negligence from the merchant from the very beginning. I have called and been strung along, emailed over and over, and even contacted XXXX, the third-party payment app to contact the merchant as well. XXXX denied after several attempts to handle the situation or contact the merchant after getting no response from them either. XXXX began to get very upset with me for contacting my original payment card used to dispute the charge due to fraud and mislabeling from the merchant on top of negligence and stopped offering to help me. After months of requesting a refund and offering to return the item for my funds to be returned, the company changed their refund policy online and I was not able to retrieve my funds due to this being a new term they added after my purchase and after my complaints. XXXX also has deleted my warnings and reviews from their online websites and social media accounts and only keeps positive reviews. I have reported the merchant to the XXXX  and I was informing XXXX of this negligence and constant fraudulent behavior constantly and even requested that they would remove this merchant from their app as a form of punishment. Instead of helping me as a consumer, XXXX wanted to keep the merchant happy and was instead asking me to handle the situation on my own after months of no response and being at a standstill they have reported my debt to True Accord who are requesting for me to pay them the full amount before XX/XX/XXXX.
Product: Debt collection

I CALLED XXXX AND ASKED TO SPEAK TO SOMEONE IN CHARGE TO GET INACCURATE DISPUTED/ REMOVED FROM MY CREDIT REPORT AND THEY KEPT TRANSFERING ME FROM XXXX, XXXX, XXXX AND STILL GOT NO HELP WHAT SO EVER. I HAVE DISPUTED THIS 3 TIMES AND HAVE THEY DELETED THIS OF MY CREDIT REPORT.
Product: Vehicle loan or lease

I have a lease payment of {$47.00}. My bank accidentally wired {$4700.00} to XXXX for the payment. I have asked numerous times for them to refund the money to me. They applied the money to the {$47.00} payment due and kept the rest and refuse to return it to me after three requests. They make up different stories every time me and my bank call them. They have not applied the overpayment to any additional amount due. They just kept it. It has been three weeks and they will not return my money.
Product: Debt collection

Received notification on my XXXX consumer credit report in XX/XX/XXXXXXXX  that Lockhart, Morris, & Montgomery, a company that I do not recognize and I have no contract agreement nor ever did any business with, was reporting two ( 2 ) negative account balances and past due totals of {$1600.00} and another of {$1000.00} to my credit reports. 

These 2 collections have significantly negatively impacted ( damaged ) my credit and ability for rental and lending opportunities.

As of XX/XX/XXXX, on the CFPB Finalized their Rule to remove all Medical Bills and collections from consumer credit reports. 

This account is tagged as a medical debt collection company when I pull up my credit report. 

According to CFPB ruling in XX/XX/XXXX, these should have already been permanently removed from my consumer credit report. 

Additionally, under 15 US Code 6801, this is non-public personal information that I never authorized to be reported on my credit profile to begin with, and in regards to the remarks of past due late payments, under 15 US Code 1666 B, no company shall report late payments for any account to any consumer credit report for any reason.

Therefore, I request immediate removal of all of these medical debt collection accounts from all of my consumer credit reports. 

Lastly, Lockhart , Morris & Montgomery did an unauthorized inquiry on my credit report on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  for unknown and undisclosed reasons so I request any inquiries by them to be removed from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXXXXXX 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 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 XXXXXXXX 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 an account without my written instructions.