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

Hi I am submitting this XXXX XXXX this isn't any influence and 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 719XXXX has me at a score around 590. 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 XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} ; XXXX XXXX  XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$24.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$470.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$480.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$280.00} ; XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

New and updated Information Please read the attached document *As a federally protected consumer per 15 U.S.C 6805- Enforcement, please assist in enforcing the deletion and correction of this information reporting.

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

Hi, just open my mail and see this master card on my name i was big surprise and upset how this is possible company name is NETSPEND I already try to call on those number on the card and also customer service for NETSPEND and just getting those Automated calling system asking me to activate the card I received and I know when I do that there is no way going back, I already spend to much of my time on this, Please do something about this NETSPEND. there are with XXXX and Address on the paper is, XXXX XXXX XXXX, TX XXXX. 

THANK YOU. 

XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX  and consumer reporting agencies, I hope this message finds you well. I recently discovered an error in my recent dispute filings regarding inquiries from XXXX XXXX XXXX. While I'm actively addressing fraudulent inquiries on my report, I want to clarify that my XXXX XXXX inquiries are accurate and valid. XXXX XXXXXXXX Account # XXXX my SSN is XXXX I also have another XXXX XXXX credit card account # XXXX. 

Upon reviewing the copies of my dispute submissions, I realize this was an unintended mistake on my part. I do not want to close my credit card and want to continue making on time payments. I only accidentally disputed the inquiry ( which was accidental. If you have any questions please call me at XXXX. I attached a copy of a utility bill and bank statement as proof of address. I have been doing great business with XXXX XXXX and would like to continue to do so. 

Thank you for your attention to this matter. 

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

I am a retired Veteran of the XXXX XXXX XXXX XXXX XXXX. I am a retired XXXX XXXX XXXX, I have put my life on the line for my country and state. It is unfortunate to have a credit scoring company become the demise of my exitance here on earth. The erratic fluctuation and inaccurate accounts of my report are hindering me form attaining a vehicle or loan and an affordable rate. I have sacrificed and put kids through college, donated my time to help others and now this. 

I am asking that the good government that I placed my trust in all of these years step in and do better. My credit score is lower than it should be.
Product: Debt collection

In XX/XX/XXXX, a repossession agent of XXXX, MO contacted us regarding a XXXX XXXX XXXX that was financed by Ally Financial in my name on XX/XX/XXXX advising that I was to leave the vehicle at XXXX XXXX XXXX in XXXX XXXX, MO, that it would be checked in to the auction and that Ally Financial would notify me in writing of the redemption/notice of right to cure. Creditor failed to send proper notice of sale or my right to redeem.
The said vehicle was then towed by XXXX XXXX XXXX of XXXX XXXX, MO in XX/XX/XXXX under the request of XXXX XXXX XXXX. Ally Financial received certified mail on approximately XX/XX/XXXX ; failed to send notice of right to cure or redemption.
Ally Financial called XXXX XXXX onXX/XX/XXXX & XX/XX/XXXXwanting to charges according to the owner but never came to pick up the said vehicle. Again, failed to send notice of right to cure or redemption process.
Said vehicle was then sold at a private auction in XX/XX/XXXX by XXXX XXXX.
After said vehicle was sold, Ally Financial failed to send the required deficiency notice, stating the amount that the lender had credited me from the resale as well as a cancellation notice of the original sales contract.
After many attempts to reach Ally Financial, only to be shuffled around and not provided any documentation, I started receiving notices from XXXX XXXX XXXX XXXX. I had my wife call to see what was the account for and she was not only advised that if she did n't set up a payment plan on my behalf, they were going to not only sue me but my wife as well. Said vehicle was financed only in name before our marriage. As well as placing a garnishment on our wages and a lien against our taxes. She gave them banking information but advised that I would have to approve since the debt was not her name. My wife was advised that she was liable to the debt because we are married.
Again, did not receive any notice of right to cure or the deficiency notice.
On XX/XX/XXXX, I sent a formal letter disputing the debt under the laws of Missouri and UCC 9.506 as well as State RISA and MVISA statues, a deficiency can not claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.
On XX/XX/XXXX, I received a letter from Ally Financial that the repossession was in accordance with all state and federal laws. Letter states that I abandoned vehicle which is inaccurate due to their repossession agent out of XXXX, MO stated the location of where to leave the vehicle. Letter also states that it was referred to an outside collection agency, XXXX XXXX XXXX ( " XXXX '' ) which is not the collection agency sending the correspondence.of money due. I believe that I have been given the runaround on the debt, lender did not follow UCC 9-506, UCC 9-611, & UCC 9-612. Ally Financial also failed to provide and comply within 15 days of receipt of certified mail notice, received onXX/XX/XXXX, the alleged claim of a deficiency would be considered null and void.
Please note : the owner of XXXX XXXX is XXXX XXXX which is included in attached documents
Product: Checking or savings account

I have had my funds deposited on Wednesday from my part time company XXXX in which I contract from im to an employee Im contractor and thry have never not paid me and theres no complaints from any one in 5he community about them not paying me or any on3 else however, I have had issues with credit karma in the past several complaints to complain they tell m3 they will transfer my funds to another account when I request them and it takes up to t ten days at times so XXXX sent my deposit on Monday to be posted and delivered today and XXXX or somebody that did not understand any thing I was talking about she says I never have had any deposit from XXXX asi was looking at my bank statements as we talking and there were several deposits on Wednesday I went to XXXX the money was delivered she said theres no such deposit coming through so I dont trust whats going on they post dates that things are deposited when they are not deposit Ed they are what I believe holding my fu ds like they e done Im the past and probably using peoples deposit for their own investments or whatever I really dont know anf the money may pop in the bank whenever they feel they will put it in my account when they feel like it then telling me no deposit to my account have ever been made by XXXX no deposit of the a out of XXXX $ which was processed and paid to me from the carrier two days ago and there payment dates all on my bank statements are aLl on Wednesday and they real, y are are deposits so the XXXX or what ever I talked lied amfsaid something was not true when I physically seen it myself and my money is supposed to be there today they have no rights wih hold money the way they do and are dishonest and as soon as I get this money Im change f my deposits to a new bank account these people are doing something unethical and possible ly illegal I was supposed to get paid and they said Ive never been paid by them if you go on my account I am not lying they are and they owe me XXXX cents and Im not letting them do this to me again and others..
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX XXXX I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business XXXX
Product: Mortgage

Saturday around XXXX XXXX I received a call talking about mortgages from a Quicken Loan employee. I explained I just had XXXX and couldn't speak but the man became pushy and started to ask for personal information. I didn't want to lose business with them long term so I gave him what he wanted. He then explained he was going over rates, I asked if he was about to do a hard pull on my credit and he replied with he already did and then proceeded to tell me my credit score. I now have a hard pull that dropped my credit because some person never asked or bothered to tell me he was pulling my credit! When I told him I was upset he kept telling me to calm down and that he'd find me a good deal. I didn't want a deal, I wanted to be left alone until I was 100 % ready to buy a house. Very upset and I don't feel that I should be punished for his actions! Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX BAlance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The company, Convergent Outsourcing , Inc., sent me a collection letter on a XXXX utility bill that was already paid in full to XXXX for {$160.00}. I called XXXX to verify and they stated that I have a XXXX balance and owe them no money. I also have payment from my accounts and on the XXXX   application which shows no money is owed. This company needs to check their records because they have false information, and no money is owed and I have no outstanding debt with XXXX and owe this debt collector no money. They do not have their records correct and through their letter, on the back, threatens to report this on my credit in 30 days. There is no debt owed, therefore they will be reporting a false debt on my credit.
Product: Debt collection

Dear Sir or Madam : I am writing to dispute the following information in my file. I have enclosed the account statement of which I am referring to. 
This account is inaccurate and incomplete because : 1. On XX/XX/XXXX at XXXX XXXX a call was placed to XXXX XXXX at XXXX during which four employees of XXXX XXXX did confirm that the account was closed on XX/XX/XXXX. 
2. The system noted and was confirmed by four employees of XXXX XXXX ( XXXX, XXXX, XXXX and XXXX ) that the account holder did call on XX/XX/XXXX to pay the account. 
3. The system noted and was confirmed by XXXX of XXXX XXXX that the account was Written Off in XX/XX/XXXX. 
4. Four Customer Service Representatives ( XXXX, XXXX, XXXX and XXXX ) of XXXX XXXX confirmed that they had no record of the account after XX/XX/XXXX or any record of XXXX XXXX or the collection service company Anfi making contact with the borrower requesting payment of the account after XX/XX/XXXX, until now which is 18 months after the borrower called to pay the account. 
5. All 4 representatives stated that they could not view nor send the account holder any account history relating to this account and had no evidence in their system of contacting the borrower at any time about the account going to collections. 
6. When asked, Supervisor XXXX also refused to send a screen shot of the information that all 4 employees used to view the account when referencing that account. 

I am requesting that the item be removed from all credit reporting bureaus ; that XXXX XXXX and Anfi cease and desist any further action against this former account holder and to correct the information in their system and any information about this account with any affiliates so that this does not happen again. 
Enclosed are copies of the collection letter from Anfi dated XX/XX/XXXX supporting my position. Please reinvestigate these matters and delete the disputed item as soon as possible.
Product: Credit card

I am writing to you regarding a dispute I have with Capital One Bank regarding my XXXX XXXX credit card. 

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, I have been experiencing interest charges on my Capital One XXXX XXXXXXXX credit card account, despite making payments of the current balance or the statement balance. I have attempted to resolve this issue by contacting Capital One directly, but I have not received a coherent response or a satisfactory explanation regarding the cause of these charges ( {$11.00}, {$30.00} and {$43.00} ). Attached to this letter, you will find documentation supporting my case, including copies of my statements reflecting the payments made. 

I request your intervention to investigate this matter and assist me in resolving it fairly and appropriately. My goal is to understand the situation and, if necessary, obtain a refund of the incorrectly applied interest charges to my account. Additionally, I want to ensure that this issue does not recur in the future. 

I appreciate your attention to this matter and look forward to a prompt response.
Product: Credit reporting

Equifax , I just received a letter from my creditor XXXX Stating they are lowering my credit limit, They stated in the letter that Equifax provided them with this information, There is no reason to lower my credit limit for I have been making all payments also they lower my credit score bye XXXX points again for no reason, If anything at this point my credit limit should be going up, I find this most coincidental sins I am in the proses of challenging Equifax , also I find this most disturbing for this in my opinion is nothing more than retaliation. 


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

I reached out to Enhanced Recovery Corporation regarding an account ( # XXXX ) that has information attached and requested validation for the reported debt. This account was reported to all three credit bureaus ; however, it is now solely reported to XXXX. In the attempt of having the company remove this account due to their inability to provide validation of me owing this company, they have constantly sent a bill from XXXX with my name on it which is against the law according to the FDCPA ( 809. Validation of debts [ 15 USC 1692g ] ( c ) ). I have asked for documentation containing my signature stating that I owe Enhanced Recovery Corporation and they are not cooperating. 

Here 's a time line of my communication in the efforts to rectify this matter : XX/XX/XXXX : First letter sent to ERC XX/XX/XXXX - XX/XX/XXXX : Account removed from both XXXX & XXXX report XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00} XX/XX/XXXX : Letter received by ERC in an attempt for account removal from XXXX report XX/XX/XXXX : Letter sent by XXXX XXXX from ERC containing invoice from XXXX for {$380.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lending Club in XXXX to provide them with my new checking account for payment processing. The representative assured me that she changed the checking account on my Lending Club profile and that payments would start drafting from my new account. After almost two months, I realized that all payments were not going through and I was late, with XXXX Dollars in fees, and a late payment reported to credit bureaus. I was never late prior to this incident, and have not been late since, but have ALWAYS had issues with their call center, including unauthorized payment drafting and constant misinformation. Today I spoke to XXXX in Payment processing who refused to provide me her last name. She told me, " rest assured, we had serious issues in our call center but after investigations all representatives were terminated. '' I explained to her that I do not care about her employees, or the health of Lending Club 's operations, but that her admitting of these issues is frightening, as it serves no justice to the customers you've repeatedly taken advantage of. I now have a negative remark following me for the next 7 years. She is now searching for the call because she needs, " proof '' that the representative said she changed my payment account. I have always had the money each month to pay lending club, why would I purposefully not pay my loan and go through months of XXXX between the CFPB, Bureaus, and this erroneous and irresponsible lender while also have {$45.00} dollars in unjust fees and a late remark? Somebody at the CFPB, I am begging you to have mercy and do a diligent investigation into this abusive company. She can not find the call recordings because, like all other business areas, their QA and Call-Center management is sub-par.