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

* Contacted Credit Acceptance ( CA ) back in XXXX to correct the balance * Called CA on XX/XX/XXXX and spoke to XXXX who works on CA 's Legal Collections Team ( who was very helpful ) along with XXXX who manages coordination with XXXX XXXX XXXX XXXX XXXX. XXXX conveyed her apologies for the oversight of the late reporting, and payment history since the account was settled in XX/XX/XXXX, but their documentation reflects XX/XX/XXXX. 
XXXX stated that CA would update the credit score that day, but it would not reflect until XX/XX/XXXX. XXXX advised me to reach out to the law firm XXXX XXXX XXXX ( XXXX ) XXXX for the satisfaction of Judgement ( SOJ ) I spoke to XXXX XXXX who was not helpful at all, and suggested I call CA back. 
* XX/XX/XXXX I had a conference call with my Mortgage XXXX ( XXXX ) and CA to get an update on my credit score and documentation. I asked to speak with XXXX since she spoke to me initially, but XXXX who was very guarded with her responses and stated she was not available, but she would try to help. XXXX basically confirmed what I already knew to be true... nothing was done, and no documentation was available. XXXX also mentioned that the refund would be sent to XXXX XXXX, but did not share the amount. XXXX made note of both XXXX and my email address to forward the requested documentation. 
XXXX I received a letter from CA regarding my credit dispute stating " we do not have enough information from you to review your inquiry ''. 
XXXX called CA and spoke with XXXX who stated CA received the reference number for the SOJ but would not give me the number, but suggested I reach out to the District Court 's office. 
XXXX My mortgage team had XXXX XXXX XXXX XXXX XXXX reach out to me to have my tradelines updated without any late payments. XXXX ( XXXX ) and I conference called CA and XXXX who was extremely helpful ( manages coordination with XXXX XXXX XXXX XXXX XXXX ) answered the phone and apologized for the inaccurate reporting, answered all of Jasmines questions. Even though her office has a copy of the ( XXXX ) its not signed by the Judge. XXXX suggested I reach out to the XXXX XXXX for an update. I called the XXXX XXXX again and spoke to XXXX XXXX again who couldn't even find my file with my account number. He found it eventually and confirmed that XXXX was still not signed, but that it could take a few days. I stated that's what you said this the last time, and nothing has happened! He was not professional towards the end of the call. 
XXXX XXXX XXXX out to me and stated that late payments are still reporting on my credit history even though it has a XXXX balance. XXXX suggested I call CA again to have them correct it. XXXX stated she always has difficulty when dealing with Credit Acceptance. A formal complaint to Consumer Financial Protection Bureau ( CFPB ). 

I will call today again on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect inquires on TransUnion credit report. Customer service would not help and take care of the negative inquiries reporting to your credit report. 
XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint regarding Transunions handling of disputes related to an inaccurate voluntary repossession account on my credit report. Despite previous disputes, Transunion has failed to address the discrepancies I have raised and continues to report incorrect information.

Issue Details : 1.Account Information : Original Creditor/Lender : XXXX Account Number : XXXX Date of Dispute : XX/XX/year>, and XX/XX/year> 2.Nature of the Discrepancy : Transunion is reporting an inaccurate balance on this account. The reported balance of {$7000.00} does not match the correct balance of {$7100.00}.

I have provided supporting documentation in my previous disputes to demonstrate the correct balance, yet Transunion claims the account has been verified without addressing the discrepancy.

3.Repeated Disputes Without Resolution : I have disputed this information twice through TransUnions dispute process. Each time, the response has been that the information is verified and accurate, but no explanation or evidence has been provided to substantiate this.

The reporting remains inaccurate, which negatively impacts my creditworthiness and financial opportunities.

Request for Resolution : I request the following actions : 1. That Transunion conducts a thorough investigation into this account and provides evidence from the original creditor verifying the balance they claim is correct.

2. That the inaccurate information is deleted entirely from my credit report promptly, as required by the Fair Credit Reporting Act ( FCRA ) if it can not be verified.

3. That I am provided with detailed documentation of how Transunion reached its conclusion regarding the dispute.

Supporting Documentation * Copies of my previous dispute submissions to TransUnion.

* Any statements, receipts, or correspondence demonstrating the correct balance of the account.

Impact of the Inaccuracy : This inaccurate reporting has caused significant stress and financial hardship. It has resulted in denial or unreasonable terms for a car loan, limiting my ability to secure reliable transportation.

I trust that the CFPB will investigate this matter and ensure Transunion upholds its obligation under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and verifiable information. If Transunion can not verify the accuracy of this account, I request its deletion from my credit report.

Thank you for your time and assistance.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am disputing the collection account with CONCORD SERVICING LLC account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CONCORD SERVICING LLC, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint in re : XXXX XXXX auto loan. XXXX loan balance is incorrect. I have called a number of times to report this matter with XXXX and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written XXXX XXXX and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided XXXX XXXX with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of XXXX XXXX refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX Failure to Remove AFFIRM INC. Account To Whom It May Concern, I am filing a formal complaint against XXXX for failing to remove the AFFIRM INC. account from my credit report in violation of 15 U.S.C . 1681i ( a ) ( 6 ) ( B ) ( iii ). 

I previously disputed this account with XXXX, and per the Fair Credit Reporting Act ( FCRA ), if the furnisher of information does not verify the accuracy of the disputed account within the required time frame, the credit reporting agency is obligated to delete the information. Since AFFIRM INC. has not provided proper verification, XXXX is in violation of federal law by continuing to report this account. The Name on the account is also incorrect.

The details of the account in question are as follows : Creditor Name : AFFIRM INC . 
Account Number : XXXX Status : Charged-off, {$220.00} past due as of XX/XX/XXXX Balance : {$220.00} Original Balance : {$310.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX I request that the Consumer Financial Protection Bureau XXXX CFPB ) investigate this matter and require XXXX to remove this account from my credit report as mandated by law. Additionally, I request written confirmation from XXXX once the account has been deleted. 

Attached to this complaint are copies of my XXXX credit report and any relevant dispute correspondence. 

Thank you for your prompt attention to this matter. 

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

all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX  {$1600.00} XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 ( a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on December 6, 2017.1 SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Report contacted me to avail to a free Trail for a month. I tried but they asked for a Credit Card before I can start. I gave my Discover Credit Card. 

XXXX XXXX XXXX is very inconvenient and it does not work. So I canceled it, This was at the height of the Covid Pandemic. I got infected with XXXX and was XXXX, then I suffered from XXXX XXXX and still is suffering from XXXXXXXX XXXXt. I am taking a lot of medicines which keeps me drowsy and feeling lousy ad sickly all the time coupled with XXXX from taking XXXX Drugs. The reason that I was not checking the charges of my Discover Card. 

I am a XXXX old proud Retired  XXXX XXXX XXXX that was making good money and was my paying 20 % taxes. Being retired and my Social Security Retirement Pension is barely enough to survive. 

I am being abused by these scammers- XXXX Credit Report which has affected my Quality of Life. I have a lot of charges in my Discover Credit Card due to these Illegal Charges. 

I already filed a complaint with Discover who credit back the monthly charges, but later on, Discover recharged my account again siding with XXXX. 

I called Discover and filed a Dispute, but they will recharged these Experian Charges again. 

Please help me. This is a scam and also a Seniors Citizens Abuse. 

Thank You so much! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am an Identity theft victim and Transunion refused to block the accounts on report despite providing them with all of my information thats requested for a block. I provided them all of the documents required for a block of the information. I sent my ID, my Identity theft report, my social security card as well as a utility bill. They stated that they verified the accounts but The fraudulent accounts are also 100 % inaccurate and are in violation of usc1681e ( b ). I attached all of the documents that I sent Transunion via certified mail along with a notarized letter. All of the accounts agreements with the creditors are under litigation. If they actually did an investigation, they would know that from the creditors. That's how I know it's a computer that rejected my Identity theft claim.
Product: Checking or savings account

Wells Fargo XXXX case of which they never informed me of.
Product: Checking or savings account

Unemployment funds from mother was being posted to my account. PNC subsequently closed my account and refused to tell me any information regarding the security review. I told them my mother would be able to state both verbally and in writing that she had been receiving her funds and did not have an account which the funds could be deposited to at that time. My mother subsequently got a XXXX XXXX XXXXXXXX card from the unemployment office and all of her future funds were sent there, however, all of my funds were locked in the account and the bank refused to give me any information. Two years has now passed and I looked in the account and all of the money is gone and the bank does not know where it is. It states there was an adjustment made on the XXXX of XXXX and then the account was closed. The balance was over {$4000.00}, so not only were funds of my own stuck in that account, funds from my mothers unemployment were also stuck there. I called the bank and they stated they will call me back in 3-5 days because they dont see where the funds went.
Product: Payday loan, title loan, or personal loan

I got a payday loan 8 years ago and Im still getting calls stating I owe them and if I dont pay they will take me to court and file a lawsuit for giving them my bank account info and not having the funds to pay.
Product: Checking or savings account

I am an international student currently pursuing my graduate studies in the United States. My bank account is primarily used for paying tuition, rent, utilities, daily expenses, and occasional transfers with friends. I have always followed the law and complied with all regulations. However, my bank account was forcibly closed without any explanation. I do not understand why this happened.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my XXXX credit report From Capital One National Association, CAPITAL ONE Inquiry date : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from XXXX  XXXX account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Product: Checking or savings account

I attempted to make two transfers from my Axos high-interest savings account to my external XXXX XXXX XXXX XXXX XXXX ) account. My beginning balance in my savings account was {$800.00}, and I made two transfers each for {$400.00}. I made the first {$400.00} transfer on XX/XX/2023, and the second {$400.00} transfer on XX/XX/XXXX. The money was deducted from my account, leaving me with {$4.00}. 

On XX/XX/XXXX, I did not receive the {$400.00} transfer. I reached out to Axos and XXXX. XXXX confirmed that they did not receive the transfer and did not see any pending transactions. Axos informed me that the research team would address my inquiry in 1-2 business days. When I called on XX/XX/XXXX, I found out that the Axos rep did not make the request for a follow-up, and as a result, the second Axos rep escalated the issue. I received a {$400.00} credit to my Axos account on XX/XX/XXXX ; this return matches the transaction made on XX/XX/XXXX. I withdrew the {$400.00} that I received on XX/XX/XXXX. 

On XX/XX/XXXX, I reached out to Axos to inquire about the remaining {$400.00} that was not credited back to my account, and the Axos rep told me that my inquiry was resolved because of the {$400.00} credit posted to my account on XX/XX/XXXX. I responded that my account had {$800.00}, and only {$400.00} was returned. I read off each transaction from my account to the Axos rep. The Axos rep informed me that it would take another 1-2 business days for the research team to locate the missing {$400.00} because he could not locate the {$400.00} transfer made on XX/XX/XXXX. On XX/XX/XXXX, I called Axos to confirm that the Axos rep submitted my request for a manager callback, and he assured me that I would hear something in 1-2 business days. Each time I've called to find out where the missing {$400.00} is and when I can expect it to be returned, the Axos rep either says I will need to wait 1-2 business days to hear something or I find out that Axos rep did not submit my request for follow-up. 

Today, XX/XX/XXXX, I was informed that it would take the Axos research team 7-10 business days to locate the missing {$400.00}. This delay in response means I have to wait until the end of XXXX to get a status update on a transfer I made on XX/XX/XXXX. Each person I communicate with gives me a different answer by delaying the timeline for me to know about my money, or the management team does not return my calls to get my side of the story. The last point of contact I communicated with was XXXX, a Supervisor. XXXX wrote a message in a resolute tone. Axos has not resolved my issue ; I am still missing {$400.00} and can not get a clear answer from Axos or any indication of when I will receive my money. 

Any assistance you can provide is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are collections accounts in my profile with credit bureaus that can not provide proper debt validation based on sec 609 and 623-b of the fcra and 807-8 of the fdcpa after requesting signed contracts with these companies this affects my overall status of living and could result in civil penalties therefore I'm seeking immediate relief
Product: Debt collection

XXXX XXXX or XXXX XXXX installed solar system during XXXX XXXX  for {$81000.00}. During cove19 they had a company called Good Leap to finance the job .time they can not get enough workers to complete the job they keep telling me theres working on getting someone to complete the job. 
I Keep call on the solar company telling them they need to complete the job. Solar company went out of business filed for bankruptcy. In the meantime I was contacting the finance company good Leap, letting them know that the solar company has not completed the job they keep telling me it was not their problem I told them they should not be paying the solar company. they told me they pay them up front. I told them I should never pay a company upfront for a job that has not been completed. They told me I just need to keep paying them and not worry about what the other company was doing I told them I should not have to pay for something that was never completed I told them if they wanted to. They are more than welcome to come and get the system out of the yard. They sent someone out here to inspect the system. See if I was lying about the system, not being completed the technician who came out and looked at it. They told me they wouldnt be paying for it either. If it wasnt completed, I told Good Leap what the technician said they said they would look into it, about a month later they sent another technician out. He said he is with the solar company assumed he was here to fix the system. He is around there, looking at the system, and I had all at once the power went off to the home where I thought they were working on it, and then they pulled out of the driveway. I went outside. They have put a padlock on the electrical panel. This is the day before XXXX. Try to contact Good Leap since it was a holiday no one answered. I emailed them. Tell them the power is off to my home. I have an XXXX  person uses a lift chair and a breathing machine in the home. I had to contact the utility company to have them remove the lock from the panel. I contacted Good Leap again when I could to let them know they better not ever send someone out here to my home again, they couldve been fixing the system they create more problems .now they have put a lien on my home demanding money from me. I keep telling them they need to remove the system and they keep telling me not their problem. Please help if you can. Thank you. 
P.s and I have told them that I never signed a contract showing that the job was completed or a contract with my signature on it. The regional sales rep said when the job was completed I would sign the contract and Ive asked them several times to send me and show a wet signature and verification of contract to me.
Product: Credit reporting or other personal consumer reports

These accounts are involved in litigation, I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume no knowledge of the collected debts, in fact exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I am constantly being harassed with letters and phone calls from GM Financial in regards to an auto loan that was cleared in a XXXX XXXX bankruptcy back in XXXX. The company has made false claims against my credit reports now reporting false information to the IRS. My XXXX XXXX bankruptcy was approved and all debt was wiped away but this company is till sending me letters and I have even informed them of the XXXX XXXX bankruptcy, but they're still sending me debt collection letters to this day. 

Back in XX/XX/XXXX, I've send the company a cease to desist letter and to reach out to my attorney for any further communication and information and yet to this day XX/XX/XXXX i just received another letter from them. I'm currently working with my attorney to stop the harassment and as this is too much and wrong. Please assist with this complaint.
Product: Credit card

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.