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

The unverified items indicated below continue to report on my credit report despite XXXX written requests, in violation of federal law.I sent XXXX letters to the XXXX XXXX XXXX, but I never received a response. 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS SHOWING A BANKRUPTCY ON MY CREDIT REPORT THAT IS NOT ACCURATE, THEY STATED THAT THEY RECEIVED THE INFORMATION FROM LEXIS NEXIS. I HAVE A STATEMENT FROM LEXIS NEXIS STATING THAT LEXIS NEXIS REMOVED THE BANKRUPTCY AND XXXX  NEEDS TO DO THE SAME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation into some accounts on my credit profile that did not look accurate. I noticed some accounts showed I owed a balance while others said I had late payments. I know that in order for the bureaus to be compliant with the FCRA, they have to be able to provide supporting documentation for each entry on my credit profile. Once the request was submitted, I waited the 30 days to give them time to respond to my request, but no verifying documents were provided to me and the accounts remained. 

I requested a re-investigation on XX/XX/2022, and the items were still left of my credit profile, with no supporting documents, after the 30 day period. At this point, XXXX, XXXX, and Experian are in violation of the FCRA. 

The accounts in question are listed below. 

XXXX XXXX Account Number : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX This was a pay per delete agreement. Why is this still reporting on my profile? 

XXXX Account Number : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Document showing the amount owed was not provided. 

XXXX Account Number : XXXX Payment history showing late payments was not provided No Name Account Account Number : XXXX This account does not have the name of the company that say I owe them. Incomplete account. How is this verified?
Product: Mortgage

In 2017 I was advised by TD Bank that I failed to pay the real estate taxes on my property located in XXXX, New York at XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time I was told that I owed {$11000.00} in real estate taxes. I was still paying the monthly payment on time in the amount of {$2200.00}. 

Apparently the TD Bank repaid the Real Estate Taxes of {$11000.00}. I repaid the {$11000.00} via a certified check to TD Bank. Meanwhile TD Bank increased my monthly payment to {$2400.00}. I have been paying this {$2400.00} since 2017. Meanwhile the bank sent my case to their attorney to commence a foreclosure proceeding. 
I have been in foreclosure since then. This patently unfair. I am almost XXXX XXXX XXXX and this is cruel and unfair treatment by this bank. I HAVE BEEN MAKING THE MONTHLY PAYMENTS CONSISTENTLY TO THIS BANK. Now they want to steal my property and keep the payments that I have made to them. My attorney has contacted them and she is still waiting on a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two 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 first investigation and subsequent reinvestigation, 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 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 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 15 USC 1681n & 15 USC 1681o ) 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.

I demand the following accounts be verified or deleted immediately. 


account number Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2023, XXXX charged me a late fee of {$30.00} and again in XX/XX/2023 for {$37.00}. I repeatedly asked for an electronic address for payments and they did not provide. My payments were mailed from my bank account at least two weeks prior to the due date. Frequently, I received no statement or a statement that arrived within a week of the due date. Their billing practices are the worst I have ever experienced. 
I called customer service and was told the fees would be waived. I called every month to complain that they were not removed and was told it could take two billing cycles. 
My promotion ended XX/XX/2023 and the fees remained. I made my final payment on XX/XX/2023. The fees were finally removed on XX/XX/2023, however the promotion ended and they are now charging me additional late fees and interest that would never have appeared had they waived the fees six months prior. 
I have talked to customer service and supervisors that don't understand what had been done. I opened a dispute and wrote a letter. All being ignored. 
My most recent statement shows a balance of {$330.00} which is all based on the fees that they never removed until after the promotion.
Product: Payday loan, title loan, or personal loan

I bought a puppy from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   NV XXXX ( XXXX ) XXXX An I got her on XX/XX/XXXX and she got sick and took her to XXXX XXXX XXXX of XXXX XXXX to find out she was in Critical condition with many issues. Got a bill for couple hundred dollars. They call me and told me she was getting worse. I stayed with her for couple hours and she was throwing up and having issues. Took her back to XXXX XXXX and the owner wants to act as if she fine. The dog cant even stand up and said I can get a full refund and the story changes. As im leaving the owner wants to tell me that the dog is fine she just ate. The dog has not been able to hold food in any way. I finance the dog threw. Hello Funding LLC.

I bought 2 dogs in which the other dog has issues as well.
Product: Credit reporting or other personal consumer reports

I've noticed mixed information in my credit report, which is affecting my scores. I believe it's crucial to have accurate information in my credit report for future financial transactions.
Product: Debt collection

Enhanced Recovery Company-XXXX, FLThey put a collection on my credit report, never notified me and gave the opportunity to dispute and ask for validation. This lowered my credit score XXXX points. I found this out when I applied for an auto loan.
Product: Money transfer, virtual currency, or money service

I started using crypto.com when a lady by the name of XXXX XXXX invited me their XXXX investment that offers high yields and I was hesitant before as Im thinking its a scam but when they use crypto.com to send money and I can send money to them with cryptocurrency I was convince that they are legitimate until the week of XXXX XXXX where i send money to XXXX XXXX bank which is connected to crypto.com and buy cryptocurrency and send it to the scammer for the payment of the said tax which crypto.com said some exchange ask for tax but scammers never return the profit from my investments even I paid the tax thru crypto.com thru the scammers wallet address that I reported to crypto.com which they disable my account but the scammers still asking for the said tax.I sent the said money most of it via wire transfer in the amount of XXXX dollars and XXXX thru my checking account at XXXX bank.the scammers sent me money in small amounts but not big amounts thru crypto.com app and they said once you said thru the wallet address you cant trace or refund it back but in the news today where crypto.com accidentally sent millions of dollars to a wallet address but they were able to trace and ask for the return of said money contrary to their claim you cant trace it.
Product: Debt collection

I went with a new phone company, I am self employed, their service was not good in the area I lived, I went in person twice, spent hours on the phone, I was told there was nothing that could be done. I have no idea how much in revenue this cost me. On changing providers I was given a bill for a watch that I was told was a promotion, I really didn't care about it, when I went to use it it didn't work, I was told I didn't purchase an insurance plan so I would have to pay to have it fixed, I felt it was a scam. Watch never used, could never be used, I offered to return the broken watch, I received a bill, I was turned into collection back in I believe XXXX, and won the dispute, now 2 or 3 years later I have to fight this again. The company also locked the phone I paid cash for. XXXX XXXX XXXX  has cost me XXXX  I am not giving them another XXXX for a broken watch, when I paid for phone service and was not told it was not good in my area. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed erroneous accounts with this company several times now, I have attached all the proof this company needed in regards to verifying the inaccurate accounts. But to my surprise, this company has not fixed anything whatsoever. Up to now my credit report still has the same inaccurate accounts that I had disputed. For yet another time, please rectify all the errors mentions below : 1. XXXX XXXX XXXX XXXX XXXX Account # XXXX I have always paid in time, please delete this erroneous late payment and Charge-off.! 2. XXXX XXXX XXXX- Account # -XXXX - I have always paid in full, please remove the erroneous late payments history Asap This account has never been charged off please rectify immediately. 3. XXXX XXXX XXXX Account # XXXX - Please investigate and tell me why this account has been charged off. This account was just late for a month after which it was settled in full. Please remove this late payment and charge-off asap. 4. XXXX Account # XXXX - The data youre reporting is completely false and must be removed immediately, I have never always paid in time. thank you kindly for honoring my request. 5. XXXX XXXX XXXX Account # XXXX I would like to request a deletion of late payments History since I have always paid in a timely manner without fail. 6. XXXX  XXXX XXXX Account # XXXX - I have always paid on time, the 120,60 and 30 days late payments are erroneous and must be removed immediately, thank you. I have attached herewith my recent dispute to this company.
Product: Credit reporting

the date is wrong when the collection was put on my credit report 1.It was in 2009 when it was in collections2.the amount is different from when first put in collections
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 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 a account without my written consent.
Product: Debt collection

I noticed a collection on my credit report from CREDIT CLEARINGHOUSE FOR  XXXX . THEY NEVER NOTIFIED ME IN ADVANCE STATING THAT THEY WERE PUTTING ANYTHING ON MY CREDIT. I am not aware of this account. I sent for validation of this debt and a CEASE AND DESIST TO CREDIT CLEARINGHOUSE. THEY JUST IGNORED ME AND NOW THEY ARE CALLING ME OVER AND OVER. THEY ARE IN VIOLATION OF SEC  809B  IF THE FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018 and XXXX XXXX XXXX, Experian, and XXXX   are still reporting the item on my credit history from XXXX XXXX. I am still suffering considerable economic harm. I demand they remove this item from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting agency keeps reporting inaccurate information on my car loan threw XXXX XXXX XXXX as the balance, also they are messing up my on time payments months are passing and theyre not updating months that a paid to my accounts and it is hurting my score, also they have not updated my payment history and balance on mostly all my accounts can somebody please help me with my problem because I am trying to better my situation and they are giving me a hard way to go by not accurate presenting my credit history. I sent out letters and reports to Transunion threw certified mail backing me reach outs to them. Also they have been failing to accurately update the the monthly records of payments. I also have the letter from the company stating that inquiries where made fraudulently with my social security number and I wanted the inquiries removed because it is becoming an hard ship on me and I know according to the FCRA legally those unverifiable, and inaccurate information must be removed from my report.
Product: Checking or savings account

Ally Bank sent me a promotional offer, promising a 1 % bonus on new money transferred into a savings account. I met all the requirements and was approved for receiving the bonus on or before XX/XX/2023. They have still not paid the bonus 5 weeks later. I have spent at least 6 hours talking and chatting online with agents and supervisors. Apparently, there are a huge amount of people like me who were promised money and have not received it, so they keep telling me to be patient and that I will receive it eventually. I am feeling like Ally duped me into sending them a large part of my savings and are using my money to make more money without fulfilling their commitment to pay the bonus they promised for using my money. I dont know what to do to resolve this issue-please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

hi I am submitting this XXXX XXXX WITHOUT ANY INFLUENCE THIS IS NOT A THIRD PARTY XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE MY LIFE IS RUINED
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 certified letters supposedly from Paypal Credit that are shown to be a credit card statement. I have a XXXX account but not a Paypal credit card. The first letter was received XX/XX/XXXX, the second XX/XX/XXXX. They are identical. The account id shown XXXX is not me. I called the XXXX number at the bottom of the sheet and was connected to help. Due to the poor quality of the connection, no information was transferred. I then looked closer at the documents and grew suspicious. 
Trying to contact Paypal Credit through their " help '' line number shown on their website was no help. Their automated call system wanted my SSN to find my account which I don ; t have. My conclusion was I couldn't work with Paypal Credit to resolve this. 

Again, this is not my account. I don't believe this is a legitimate document from XXXX. 

I have uncovered a similar complaint on the web with the same XXXX account Id. This is the link to that complaint. 

https : XXXX
Product: Student loan

They forced me to pay on my loan while still in school and threatened to with hold me from class if i couldnt make my payments. They also tricked alot of us into opening a new loan with a lower interest rate with the understanding that the previous loan would be dropped or closed. Come to find out all they did was open another loan and made me start paying on XXXX loans while still attending school.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', and I have noticed on my consumer report that I have a bankruptcy that must be deleted off my consumer report immediately. It has impacted me deeply and has hurtled me. The consumer reporting agencies XXXX XXXX, Experian, XXXX, and XXXX have validated codes 15 U.S Code 1681 s-2 " furnishes of information to consumer reporting agencies. They have reported a bankruptcy knowingly that it's not connected to me. And I have on record that I am not connected to this public record. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be deleted.
Product: Checking or savings account

Checks arrived in email from TD Bank in my name and with my address. Contacted bank to complain. Each time I was connected with fraud department I was put on hold for 30 minutes or more and subsequently hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX! 
HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : XXXX has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was.

Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.