23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently uncovered that AMERICAN CREDIT ACCEPTANCE continues to falsely report to each of the credit bureaus that my account was closed due to an involuntary repossession. Furthermore, they continue to attempt to collect a {$31000.00} balance and report to all of the credit bureaus an incorrect balance owed, saying that I owe the original balance plus their added on penalty fees and falsely report that the vehicle was involuntary repossessed. I had contacted them several times and told them to pick up the car and they REFUSED to pick it up. Only after I filed a complaint did they actually pick up the car and send a notice saying that they would sell the car at auction and the amount collected from the sale of the car would be applied to the balance owed leaving me responsible for any remaining total to be paid because they were suing me for the balance. Based on all of the information they are reporting to the credit bureaus, they NEVER sold the car and applied the amount to the balance, and they are continuing to report to each of the credit bureaus that they are continuing collection efforts on the full {$31000.00}. They have done so intentionally to case further damage to my credit and prevent me from obtaining accurate information to file bankruptcy. Furthermore, each of the credit bureaus continues to report the false information furnished by American Credit Acceptance each month including the incorrect balance and disposition that the account was closed with an involuntary repossession with in fact, each credit bureau should be reporting that the account was closed with a voluntary repossession. Shortly after my original complaint, American Credit Acceptance began reporting my account correctly to the credit bureaus as closed voluntary repossession. A few months later I checked my credit reports to obtain the correct balance for this account and the balance is still the full {$31000.00} and they went back to falsely reporting that it was an involuntary repossession.
Product: Debt collection

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 

LANDLORD USES FRADULENT TACTICS TO COLLECT RENT TWICE ON SAME UNIT, ILLIGALLY SEND FOR COLLECTION, AS SHOW IN MY CREDIT REPORT : FAIR COLLECTIONS & OUT - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 
A collection of {$6600.00} placed on XX/XX/XXXX on XXXX, for XXXX XXXX was recoded in my credit. That day the unit had already been rented for the second time. 

The result, credit score dropped from XXXX to XXXX XXXX Score on XX/XX/XXXX. I do need to have my good credit corrected, this action is fradulent. 

More Details : I signed a lease agreement in XXXX, XXXX months in advance per agent " promotion '', however, my lease would start only in XXXX. In this case never happened. 
XXXX, I requested a cancelation of my agreement, I was denied. I notified XXXX XXXX XXXX XXXX, by XXXX and email, both. 
XXXX, I asked the agent if the unit could be shown to someone interested, i was quickly dismissed. The agent didn't not want to show the unit, I later found out it was already rented. 
HELP! HELP! HELP!
Product: Debt collection

I am in the process of buying a home and noticed that there was a collection on my credit report from Midland Credit Management. It states that the original debt is from XXXX XXXX. I still have my XXXX XXXX XXXX and have never been late. This must be from someone else. It is not my debt and needs to be deleted form all XXXX of my credit reports asap.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' XXXX XXXX XXXX XXXX - XXXX {$7500.00} XXXX - XXXX {$0.00} XXXX XXXX XXXX  - XXXX {$370.00} XXXX - XXXX {$600.00} XXXX  XXXX XXXX - XXXX {$600.00} XXXX XXXX XXXX XXXX - XXXX {$570.00} XXXX XXXX XXXX - XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX {$2500.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX - XXXX {$3400.00} XXXX  - XXXX {$310.00} XXXX - XXXX {$0.00} XXXX - XXXX {$690.00} XXXX XXXX  XXXX - XXXX {$470.00} XXXX - XXXX XXXX {$330.00} XXXX XXXX - XXXX XXXX XXXX {$180.00} XXXX XXXX - XXXX {$360.00} XXXX - XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX - XXXX XXXX {$0.00} INQUIRIES : 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

I have reported it and it wasnt removed off my credit report its inaccurate
Product: Credit card

My SSN was on the dark web and they told me to contact you to do a credit freeze
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Delaware, XXXX XXXX XXXX NOTICE AND DEMAND FOR DELETION OF AN UNAUTHORIZED INQUIRY ON CONSUMER REPORTTo : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report.I did not give you written permission to access my credit profile on [ Date of the alleged inquiry, Delete this Line and insert the Date of the alleged inquiry, which is XX/XX/year> as provided in the context ] .The reporting of this unauthorized inquiry has harmed my credit, and I demand that you delete this unlawful and unauthorized inquiry from my consumer credit reports with all consumer reporting agencies that you have distributed this information to.I also demand a copy of my consumer report after you have completed this deletion.Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency failed to provide proof that these accounts should remain on my credit report.
Product: Debt collection

I have already paid this citation. 
I paid XX/XX/ Citation number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX  XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXXXXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The XXXX XXXX XXXX ( henceforth referred to as XXXX ) attempted to collect a debt that where no debt validity was ever sent. XXXX claims a validity letter was sent on XX/XX/XXXX. What they fail to disclose is when it was allegedly sent to my old address in XXXXXXXX XXXX We moved to XXXX, XXXX  XXXX miles away. in XXXX of XXXX XX/XX/XXXX then sent a letter explaining the account would be reported. Once again, not to the correct address and to an address we had not lived at for 6 months. XXXX cajoled and bullied me into paying a debt, as the dispute period had already ended. I never once claimed ownership of the debt, but paid it in full on XX/XX/XXXX. I did not know my rights, and would have immediately requested a debt validation letter at the time If I had known. I have since requested two of them, which XXXX says in their response in writing that they ignored. FCRA DOES NOT require reporting a paid debt. This is a practice that XXXX takes great pride in doing, valid or not. I moved cross country and was taken advantage of, the least XXXX company could do is remove the collection, one of my only negative credit marks.

What is lost in the information avalanche is that I paid on a debt that was not valid, and am now sentenced to 7 years of a negative mark that should never have been in the first place. This is disingenuous, lazy and misleading. All I ask is that they remove the report, the rest is water under the bridge. At the time of this complaint this has been marring my record for 4 years, 9 months, 10 days Calls to this company have related in the customer representative repeatedly feigning to understand what is being asked and answering questions about queries that are not being asked repeatedly before disconnecting the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance XXXX {$0.00XX/XX/XXXX
Product: Credit card or prepaid card

The issue relates to XXXX improper and unjustified termination of my AAdvantage account. On XX/XX/XXXX, I received an email message from AAdvantage Corporate Security terminating my account. The message accuses me ( incorrectly ) of multiple violations of the General AAdvantage Program Terms and Conditions. On XX/XX/XXXX, I responded to corporate security to request further clarification of the specific violations XXXX XXXX alleges that I have violated. On XX/XX/XXXX, I replied again to this e-mail to request clarification. To date, these e-mails have gone unanswered. 

On XX/XX/XXXX, I also e-mailed XXXX XXXX to request additional information and clarification of the alleged violations. This e-mail has also gone unanswered as of today. 

An official complaint with the Department of Transportation was also filed on XX/XX/XXXX. Receipt of this complaint was confirmed by XXXX XXXX on XX/XX/XXXX and a response from XXXX XXXX was received from XXXX XXXX, Customer Relations, on XX/XX/XXXX. 

XXXX XXXX response to my complaint states the following as justification for termination of my account : A recent investigation has determined your involvement in multiple violations of the General AAdvantage Program Terms and Conditions, related to the accrual of ineligible AAdvantage miles and benefits. These actions specifically involve abuse of the AAdvantage Program through gaming behavior, used to circumvent the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage   card promotion bonus terms and conditions, as well as at the top of each application page. 

The allegations against me and used as the basis for terminating my AAdvantage account are not correct. The 48-month language cited as justification for termination of my account was not added to the some of the terms of conditions until on or around XX/XX/XXXX. There were still various credit card offers that did not contain that 48-month language. At no time did I respond to, or utilize, any offers which contained this newly added provision. 

Further, the Citi eligibility restrictions referenced in the justification were not located on the credit card offer bonus terms and conditions or application page as claimed in Ms. XXXX e-mail. 

XXXX XXXX claim is undeniably false, and XXXX XXXX has now intentionally lied to both myself and the Department of Transportation in an attempt to justify closure of an account that has not violated any terms and conditions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> TOTAL VISA Customer service department po box XXXX XXXX XXXX XXXX SD, XXXX Dear TOTAL VISA Customer Service XXXX I hope this letter finds you well. I am writing to request your assistance with removing or adjusting the late payments reported on loan account. These late payments occurred during a particularly difficult period when I lost my job, which severely impacted my financial situation and my ability to make timely payments. 

Since then, I am happy to report that I have secured a higher-paying job and have regained financial stability. However, I am currently facing challenges in advancing professionally due to the negative impact these late payments have had on my XXXX score. Potential employers are now reviewing my credit history, and as a result, I am being turned down for job opportunities despite my improved financial situation. 

I understand that I was responsible for making the payments on time, and I deeply regret the inconvenience caused. However, I kindly ask for your consideration in reversing the late payment entries as a gesture of goodwill. This adjustment would provide me with a second chance at a positive credit rating and could significantly improve my ability to move forward with both my career and financial goals. 

I have always valued my relationship with TOTAL VISA and have made consistent, timely payments since overcoming this hardship. I am confident that this issue will not arise again, and I am committed to maintaining a responsible account going forward. 

Thank you for taking the time to consider my request. I would greatly appreciate your assistance in removing or adjusting the late payment marks, and I am happy to provide any additional information or documentation if needed. Please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX account number
Product: Credit reporting or other personal consumer reports

I found that some of my accounts on the report that are not reporting a 100 % accurate data which violates the FCRA XXXX. Kindly review these accounts below and provide me update of the changes and corrections on these accounts in XXXX  days : XXXX SLT XXXX balance : {$16000.00} Date opened : XX/XX/XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$4800.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX balance : {$600000.00} I also found some fraudulent accounts that are reporting on my credit report below : XXXX XXXX Balance : {$4200.00} XXXX opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX. XXXX, XXXX XX/XX/XXXX Balance : {$9300.00} XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$580.00}
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Vehicle loan or lease

The interest on the loan should have been lower because of the autodraft from checking account which should have resulted in a lower balance.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- TO : YOUR COMPANY I am writing you to dispute the status of these inaccurate accounts reporting on my consumer report. 
In accordance with the Fair Credit Reporting Act ( PASSED BY CONGRESS ).

You are reporting invalid, incomplete, inaccurate, and incorrect information on my consumer report.

YOU ARE REQUIRED BY THE RULES OF THE FCRA TO REPORT VALID, COMPLETE, ACCURATE, AND CORRECT INFORMATION ON A CONSUMER REPORT.

607. COMPLIANCE PROCEDURES 15 U S C 1681 e ( b ) Accuracy of a 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.

According to the FCRA 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY, THROUGH PHYSICAL VERIFICATION WITHIN 30 DAYS, TO DISCLOSE ALL INFORMATION ( THAT YOUR COMPANY HAS ON MY CONSUMER FILES, PROVING THAT THESE ACCOUNTS ARE ACCURATE ). ( 15 USC Section 1681 s-2 ) IF YOU DO NOT DISCLOSE THIS INFORMATION OR HAVE THE INFORMATION THAT I HAVE REQUESTED, ( LACKING PROOF THERE OF ) YOU MUST REMOVE AND DELETE THESE ACCOUNTS ACCORDING TO FCRA REGULATIONS. ( Section 1681s-2 ( b ) ( 1 ) ( E ) WHEN DISPUTED INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE FURNISHER MUST DELETE AND PERMANETLY CEASE REPORTING THE DISPUTED INFORMATION ). 
DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX has yet to respond to any of my letters regarding the legitimacy of the debt. Im not aware of who the company even is and how they got access to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts for the longest with Equifax, XXXX  and XXXX. I have 3 seperate student loans accounts through XXXXL that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/GL on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. Equifax actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while Experian has XX/XX/XXXX and Transunion XX/XX/XXXX. Equifax doesnt have the months term included. Date Last Active are all showing different dates for all XXXX accounts. Transunion has XX/XX/XXXX, Experian has XX/XX/XXXX while Equifax has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by Equifax on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.
Product: Credit reporting, credit repair services, 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. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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