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

The bureaus have not properly verified their sources and are reporting inaccurate information that is damaging my credit scores. 


I already reached out to the courts and the courts have indeed verified that they do not verify or share information with the credit bureaus. 

Experian responded to the previous dispute on XX/XX/2021 stating that the company reporting the information has verified the information as correct, however they do not say who the company is that is reporting the information. If the credit bureaus are not in fact checking with the alleged original source of information and the the original source says they DO NOT provide any information to the credit bureau then the credit bureau is in fact in violation on the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance and is violating my right for complete and accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly collections for medical expenses on the following accounts : XXXX XXXX in the amount of {$4500.00} account number XXXX ; N/A in the amount of {$1600.00} account number XXXX ; XXXX XXXX in the amount of {$700.00} account number XXXX ; CREDITORS in the amount of {$340.00} account number XXXX ; XXXX XXXX XXXX in the amount of {$290.00} account number XXXX ; and N/A in the amount of {$140.00} account number XXXX. ( Please see page attached from my credit report. ) I had health insurance coverage and therefore there should be no outstanding balances due. ( I have attached a copy of my insurance card. ) This false reporting of collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Vehicle loan or lease

I obtained a loan through Credit Acceptance Corporation for a vehicle, that included a Vehicle Service Contract and GAP insurance products I was told I HAD to accept in order to get the loan approval. During ownership, the Service Contract didn't cover items that were specifically listed as benefits of the product such as roadside assistance, and the GAP insurance product didn't cover the outstanding balance after the vehicle was a total loss with my insurance claim payment. While waiting for the insurance company to finalize the claim, Credit Acceptance Corporation called me with an offer to pay the loan in full and even required a deposit payment from me to " lock in the agreement ''. Upon receiving the insurance check from my claim, the amount previously agreed upon changed to the original amount, which was okay with me because of the GAP coverage I purchased when I got the vehicle. I never missed a payment, never had a lapse in insurance coverage, and yet after the insurance claim and GAP coverage, I am still being pursued for almost {$2000.00}. Furthermore, my credit history shows significant late payments, damaging my ability to purchase another vehicle. After several attempts to contact Credit Acceptance Corporation to be furnished with the documents I have requested and after pleading for them to correct my credit history, I don't know what else to do except seel assistance with this matter. What's more is the fact that I put a significant amount of money down at the time of purchase, however I borrowed substantially more than the vehicle originally cost because of an undisclosed " loan origination fee '' I never agreed to nor was I made aware in the breakdown of charges. I have been deceived the entire time, blatantly lied to, taken advantage of, forced to purchase products that are useless, and now I'm being damaged by incorrectly reported information from Credit Acceptance Corporation. Please advise
Product: Prepaid card

I recently went to draw XXXX dollars out of my account and the atm only gave me XXXX dollars but XXXX was still taken off my card along with the XXXX charge for using the atm. I followed all the steps I needed to I sent them a copy of the receipt showing the proof only to get an email back saying they are n't giving me back my XXXX they never gave me but took that they do n't see anything wrong. This is the 2nd time I also had a XXXX taken from me from a hotel I have NEVER even stayed at. I support XXXX people so I ca n't afford to have someone take over XXXX dollars from me in a month. Can you please help me they been giving me the run around for over a month now.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Vehicle loan or lease

XX/XX/2023 Amount : XXXX Acquisition or Abandonment of secure property 1099-A ( It has been over 30 since I sent my approved 1099-A to Exeter Finance Corp located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX phone Number XXXX. I never received a letter nor a call back in reference to my 1099-A.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX co signed a loan to XXXX XXXX in Texas Never late. 
Car was totaled and insurance company paid car loan off. 
They had the wrong name on check and insurance company sent another check. 
This was told to Kia and they understood. 
Year was 2015. 
I value my credit, and cant understand why this still showed up? 
Please help me. 
Thank you XXXX XXXX It shows on my credit report as insurance company paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Mortgage

I have applied for loan modification for a coarse of 3 years, and every time denied for the same reason. As a result I filed for bankruptcy protection to save the home. On all accounts the response was denial due to 80 % loan to value, which is false. I live in a very popular part of the country where an influx of people are moving from all over the USA and world, in saying this my equity continues to climb, being that Ive owned the home since XXXX. I got behind in XXXX due to a XXXX XXXX, divorce, and loss of job bam all together. I have paid back all except {$13000.00} and wanted to roll the rest into the home in a conventional loan. Last week I called as well as today, to follow up on a second review for a modification, and they didnt have my contact number, the number they had was from XXXX. I was also told by the representative that I needed to contact the investors and they had received my information. Im concerned during Covid Im going to be in the street. I have been working consistently for 3 years and continue to excel as well my son came home and is dedicated to help as well and committed his income but to no avail. Im desperate in saving my family home. Its not a huge home but its mine. Who would rent to me with a bankruptcy never mind that A due to growth theres nothing to rent and B you guessed everything is expensive if you can get it. 

Grateful for your time Best XXXX XXXX
Product: Checking or savings account

My husband died on XX/XX/year> I noticed a pending charge on his checking account, I am listed as secondary on his account, however, I do not use this account. I call them on XX/XX/XXXX that he had died, and I needed to dispute the charge, after many calls and visits to the bank they did freeze the account so no other auto withdraws would go through. they told me today the one pending charge of XXXX toXX/XX/XXXX would go through because I did not notify the bank on the day of his death, ( per Wells Fargo I needed to notify them at least 24 hours before the pending charge ). this charge made his account overdrawn and I was forced to deposit XXXX into his account in order to close his account. I notified them within 24 hours of his death. This has placed a burden on me as I don't have the money.
Product: Bank account or service

On XX/XX/XXXX I requested Bank of America XXXX BOA ) to transfer XXXX ( {$4000.00} ) from my current account with BOA XXXX California to the current account I have with XXXX Bank in the XXXX. The transaction was acknowledged by BOA however the money despite a thorough search by XXXX did not, and has not, arrived in my XXXX account. 
On examination, the sort code used to transmit the money BOA was completely different from the sort code for my XXXX bank I supplied BOA. ( however the account number for my account was correct. ) IN FACT THE SORT CODE USED TO TRANSMIT THE MONEY WAS FOR A SUBSIDIARY OF SANTANDER THAT WAS DISSOLVED MANY YEARS AGO. ( COINCIDENCE? ) I have spent well over XXXX hours of XXXX phone calls to BOA, XXXX investigative team only to be told that BOA were not at fault AND THE FAULT WAS MINE FOR GIVING THE WRONG SORT CODE. I had same negative response from BOA following my request on the XX/XX/XXXX to have the case escalated. 
Interestingly XXXX XXXX XXXX XXXX of the BOA investigators assigned to the case admitted on the XXXX of XXXX in an Email to XXXX Attachment XXXX ( quote ) " that this payment ( from BOA ) was sent to sort code xxxx in error ( to a company ) which was formally XXXX ''. 
Please note that this company was dissolved many years ago and as such is no longer in existence. 
XXXX can only conclude that from this admittance of error that BOA is at fault in failing to take adequate measures to ensure safe passage of the wire transfer of funds. 
Please note this admission of error by BOA preceded their letter to me of the XXXX XXXX claiming no fault on the part of BOA any thus denying my claim for return of funds.. 
Attached to this submission are copies of the documents relevant to this case including a copy of my letter XX/XX/XXXX appealing the BOA investigative teams decision ( Attachment XXXX XXXX ) which outlines in depth my case for appeal, also a copy ( Attachment XXXX ) of the letter to me from XXXX dated XX/XX/XXXX that contained a copy of the admittance of error by XXXX XXXX Attachment XXXX also highlights my concerns that regarding the possibility of security infringement with this wire transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2012 Balance : {$67.00}
Product: Credit card

On XX/XX/XXXX, a transaction with XXXX XXXX XXXX was processed by my company Wisely at {$210.00}. However, the services I requested were not directly provided. I did not have electricity at all for the entire duration of my stay at the hotel. As this is included in the service bill, I demand a full refund. It is imperative that I receive a refund to serve as a compensation for the services I was promised yet did not receive.
Product: Debt collection

Certified mail was received on XX/XX/2022 requesting validation of the debt. They responded with statements instead of the signed document. This has happened twice now a bill is not valadation of debt. XXXX XXXX and midland credit
Product: Money transfer, virtual currency, or money service

We wanted to adopt the kitten from the XXXX account XXXX  XXXX. On XX/XX/XXXX I texted them to gain more information about the kitten. The seller said that all the kittens cost {$400.00} for adoption and they will be sending the kitten from XXXX, CA. I agreed to pay only {$200.00} and then pay the other half after we will sign the paper work. The seller agreed on that. We signed the paper work and sent him anorak {$200.00} from XXXX  to the email address XXXX. After he received the money he said that he will send our kitten on XX/XX/XXXX in the morning. On XX/XX/XXXX at around XXXX he sent me a tracking number to track our kitten at the website XXXX. After that the delivery guy contacted me and confirmed our shipment and delivery. After a few hours we received an email from XXXX saying that we need to get a proper crate to them be able to deliver a kitten and the rent for this will cost us option number 1 : {$2100.00}, option number 2 : {$1200.00} and option number 3 : {$550.00}. We choose the option number 3 and made a payment of {$550.00} through XXXX  to the email address XXXX. The accepted the money and said that they are confirming it. After a few hours they emailed us saying that the option number 3 is not available anymore and we have to get the option number 1 which is {$2100.00}. We didnt want to pay that money and kindly asked to return our money since the money was 100 % refundable. But they say that they cant return money since they can only return it when deliver the kitten with cash. We did not want it and so he said he will contact the sender and call us back. The seller contacted me and said sorry and said they he will pay {$1000.00} for crate and we can pay only {$550.00}, we agreed on that. We sent {$550.00} to the delivery company. The delivery guy contacted us and said that they have received the money and ready to ship our kitten. In the morning on XX/XX/XXXX we received another email saying our cat is on hold again because we need to purchase city permit for the kitten which cost {$2100.00} and if we will not do that they will not deliver the kitten. We asked them to refund our money and send the kitten back to the sender. They dont want to return our money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I discovered the collection account from XXXX XXXX XXXX XXXX ( account # XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. If a previously negative item is reinserted the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Please delete this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$700.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 



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Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$610.00}
Product: Debt collection

Frederick Hanna and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with Frederick Hanna than the defendant in all cases?
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR 7 years XXXX has placed an unverified and invalidated charge off account on my credit report & is in violation of Federal Law. The damage has been done to my credit report and it is time for it to come off according to the statues of limitations. PLEASE REMOVE THIS CHARGE OFF ACCOUNT from my credit report because it has caused financial and emotional duress to me and family. XXXX is 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 XXXXXXXX first investigation and subsequent reinvestigation, XXXX stated in writing that they verified that this charge off account is being reported correctly? Who verified these accounts? XXXX has 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 ). Furthermore, XXXX   has 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. .. I HAVE NO CONTRACT AND NO CONTRACTUAL  OBLIGATIONS TO XXXX OR ANY OF THESE NEGATIVE ACCOUNTS! XXXX HAS NO PROOF THAT I OWE THEM MONEY AND MUST REMOVE THIS CHARGE OFF/COLLECTION FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY. 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. I demand the following account FROM XXXX BE REMOVED! 

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

Date opened XXXX XXXX for amount of {$520.00} XXXX XXXX XXXX. I would like this closed account removed. 
XXXX XXXX XXXX for XXXX open XX/XX/2017. I would like this closed account removed. 
XXXX COLLECTIONS XXXX Opened XXXX XXXX for {$84.00}. I would like this collection removed.