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

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid off and it is still showing as a current debt from 2011 as per FCRA requirements this should be closed, this debt is no longer valid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : XXXX Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Equifax several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.
Product: Credit card or prepaid card

My Citi AAdvantage card was lost and fraudulent charges of XXXX USD were made. I reported the fraud to the credit card immediately and they have not issued a credit to my account for the charges
Product: Debt collection

I have mailed an letter to icsystems letting them know they are in violation of breech of contract with XXXX XXXX XXXX. I never gave IC Systems written consent to furnish this on my credit report.
Product: Credit card or prepaid card

I had a good relationship with the company for about a year. Suddenly, my direct payments stopped being collected though no action of my own. I tried to contact them to deal with it but couldn't get anyone on the phone in dozens of calls. Any email was automated and just said to call the same number. After finally reaching the company, I was treated horribly by customer service and was repeated denied access to a supervisor. Also, the online use is terrible. When I couldn't reach anyone direct, I tried to pay online but if your bill isn't current they say you have to reach that same number once again. It's a loop that couldn't be broken due to unprofessional and unethical business practices. I also asked repeatedly for my account to be closed, which they agreed to but never did. My credit is damaged, and the bill continues to say I didn't make payments which I did. They said I would be reached via phone to work this out approx. three weeks ago and have heard nothing back. They clearly have have some shoddy practices. I would like my account closed and my balance to zero along with investigation of Upgrade , Inc .
Product: Debt collection

A certified copy of this information that I just use was sent to them and havent received a response
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally request a goodwill adjustment to remove late payments reported on my credit report. They were a total of XXXX points deducted from my credit. 

I take full responsibility for these late payments, which occurred due to job loss then, I have taken significant steps to improve my financial habits, ensuring that all my obligations are met on time. I also paid off this loan completely and Im waiting for it to be reported.
Product: Credit card or prepaid card

I opened a credit card with Bank of America ( " B of A '' ) as part of a program offered to attorneys and or members of the XXXX XXXX XXXX. The credit card agreement specifies that rewards will be paid through a statement credit or check mailed to the card holder. B of A has refused to send me a check for the dollar amount of the rewards owed to me. I called B of A on XXXX XXXX, 2021 to get a check for the negative balance on my account in the amount of {$67.00}. I was told by a supervisor XXXX that I would have a check for that amount in 14 days. No check arrived. I called B of A again on XXXX XXXX, 2021. I spoke with XXXX who was extremely rude and dismissive and told me that my request would have to be " reviewed ' and the process would take another two billing cycles. I then spoke with her supervisor XXXX who called me " petty '' and eventually hung up on me. I wrote a letter to the CEO of B of A, XXXX XXXX, on XXXX XXXX, 2021 about this matter. He has not responded and I have not received my money. I called B of A again on XXXX XXXX, 2021 and spoke with XXXX ( ID XXXX ) who told me a check in the amount of {$56.00} was mailed to me on XXXX XXXX, 2021. No check has arrived.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Al XXXX SSN : XXXX DOB : XXXX NCB Payment and Correspondence is listed on my credit reports but i have no debt with them. I was told they bought my account from another collector. After reviewing my credit report I noticed a lot of inaccuracies on my credit for said account. The date the account was opened is wrong for all accounts. Also, the date the account was reported is not correct. There is no verification date listed on my credit report. The date shown for last activity is not correct. There is no last payment date listed. Please investigate so that I can have these errors removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates that letters that Ive sent out asking for original documents from the grantor about these accounts I contacted the courts and ask do they send out Information to 3party agency they sent me a letter in response No I forward this letter to the 3 agents and Im still having a problem
Product: Credit card or prepaid card

Opened secured credit card with Bank of America in XX/XX/2016 Without sufficient notification, Bank of America closed my account in XX/XX/2016 resulting in charge-off of {$110.00}. 

Since then, Bank of America never notified me of this matter. 

I found this out when I pulled my credit report last week. 

I contacted them and paid off the charge off. I also asked them to remove all the charge off history from the credit report because they have not informed me of account closing. 
Bank of America refused my request, without giving me sufficient reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I learned of the Equifax data breach through the news and social media. I attempted to check whether I was impacted via the provided portal, equifaxsecurity2017.com, but was only told that I 'd be able to register for the ID protection service a few days later. On XX/XX/XXXX, I tried the website again and was finally informed that I may be impacted by this breach.
I learned from the news that this breach has occurred in XX/XX/XXXX. I am extremely disappointed that Equifax did not discover or disclose this information for months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX claimed that in XX/XX/XXXX I opened a credit card account with them and that I owe {$3000.00} with balance around {$800.00}. 
Citi Cards/Citibank claimed that on XX/XX/XXXX I opened a credit card account with {$5000.00}. 
and that I owe {$5500.00}. 
Both Institutions have the Address ID XXXX XXXXXXXX with the address being : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I talked to XXXX from Citi in XX/XX/XXXX and told they will investigate, but not good results. I dispute these charges on XXXX and no good results. They have my name, age and relative, which are XXXX, but the problem is that I never lived in XXXXXXXX XXXX  and no on that address. I was working the whole year XXXX in XXXXXXXX XXXX  and no way I could live in XXXX. They state that I also lived in XXXX XXXX XXXX XXXX XXXX which are incorrect. This is an Identity Theft. 
They keep these in XXXX and my credit has been damage because of that. I did not get any credit cards from neither of above companies. Their investigation has been very superficial. I will report this to local Police as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

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: Vehicle loan or lease

My car was repossessed on the day the bill was actually due I assume somewhere around XXXX. I was on the phone with them speaking to different people and requested a copy of the policy because they told me I need proof of insurance proof of employment and could only pay through XXXX XXXX which was not near me. I asked to see copy of policy stating this is how they do business and was denied and told if Im going to keep asking for contracts and policy they will not give me my car back. After two- three days of struggling to get to a XXXX XXXX cash only place and get to my car Friday I finally got there and they stalled for hours getting to release my vehicle and the place closed. Monday I went back to get my vehicle and had to pay {$150.00} to the yard that had it and my car actually would not start and I had to get a new battery. They parked the cars so tight my car was actually scratched and dented in the process. While locking over the paper they had me sign I realized they over charged me by XXXX XXXX and they never told me of the fee I had to pay to the car lot. They have also charged me an extra {$150.00} stating it was because they did not have the keys to my car and why would they when they repossessed it without my knowledge. Which was not on the paperwork they had me sign nor was I told about it upfront. I have recorded all our phone conversations and I do have copies of the paperwork I signed. They completely ripped me off.
Product: Credit reporting or other personal consumer reports

I disputed the dismissed involuntary filed bankruptcy with XXXX stating the proper statues. Instead of properly investigating it violated the law and went verifying and not validating the inaccurate information with a third party and not myself or the court clerk. 

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as PACER, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).

Please provide me with : The courthouse name ; the name of the person who verified the bankruptcy ; the court address ; the court telephone number ; and the documentation used to verify the dispute.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, certain accounts and inquiries listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my authorization, and I am taking steps to resolve the issue. 
Accounts to be Blocked and Deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.
Product: Money transfer, virtual currency, or money service

Formally concerns is Ive had to come out my pocket XXXX XXXX times to when I know money is in my account Ive called my company to ask where is it that was my rent money. My landlord never got it plus putting a freeze on my account for nothing I was never told how Zelle would handle or dispute
Product: Mortgage

I have submitted XXXX payment and the mortgage company is reflcting my account as not paid
Product: Prepaid card

I tried to register my XXXX XXXX  gift card online and was unable to do this. It kept saying try again. I used a different internet browser and still could not register the card. I called the help phone number listed and was told they could not register it for me. I had to do it online. They asked me to try again and I got the same message. The customer service represented said he could not help me unless I sent a copy of my photo ID and my home address. I said I was not sending them my personal information. He said there was nothing else I could do. I asked to speak to a manager and was told the same thing. I would have to send specific personal information to them and wait for a fax to use the card. I said I was not sending them my ID, address or social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these items because I do not know them. Somebody took my personal information and managed these items. I do not recognize these inquires and therefore I kindly ask you to remove all of them because I can not afford loans anymore because of those unknown items in my credit report. Life is difficult especially when I see something like this! I am identity theft victim. Thank you
Product: Vehicle loan or lease

I leased a 2020 Honda Clarity PHEV from Honda financial services ( HFS ) in XX/XX/XXXX. My lease is ending soon, so I decided to buy the vehicle on XX/XX/XXXX for {$17000.00}. I was informed that my title was mailed on XX/XX/XXXX. The title was mailed to a different address than the one I requested on the title release form I sent to Honda Financial Services. 

After two weeks of not receiving the title in the mail, I contacted Honda and was told my account was closed as the title had been mailed and all I could do was wait for the title to arrive in the mail. 

It has been over 45 days since I was told the title has been mailed and I still have not received my title in the mail. I spoke with a representative at Honda Financial Services ( XXXX ), who said HFS will send some documents to request a duplicate title. I am still waiting on those documents. 

I do not know what else to do. I have purchased the car but am missing a very important document, the title. Please assist me with getting the title from Honda as soon as possible.
Product: Vehicle loan or lease

I recently checked my credit report and saw accounts reporting that I do not recognize
Product: Payday loan, title loan, or personal loan

I emailed this company 50 or more different times. I wanted to pay this loan off in total before the due dates I went on the app and it would not let me payoff or make a payment of any sort. I tried 5 different banks 30 different times and the app had a error code I emailed asking whats going on they instructed me to click a link I did another error code I asked for a phone number 40 times they said they dont have one I became frustrated because this is as a month and half long email process back and forth, the end of XX/XX/2022 they finally emailed me saying I could pay by money order I ask where and who I make payable to the first of XX/XX/2022 they send me how. I sent full payment. They marked my payments late on my report and I told them from beginning I dispute the fact that its late due to out of my control and there app wouldnt not allow me. They said theyll fix it and note the account they did not and marked me down as late 2 payments. I have all communications between them and screen shots of app error code trying to pay loan off on time before time is due.
Product: Vehicle loan or lease

I called company the day m car was taken and everyday after in tears XXXX XXXX XXXXXXXX n had already made payment arrangements with bank and they were up healed,, all letters sent came to wrong addresses which they put in one envelope n I received last week been calling since XX/XX/XXXX all have different amaonts owed since day one ended up getting congress and you involved I cant take any more with this company
Product: Mortgage

On XX/XX/, I've started a mortgage loan pre approval process with XXXX XXXX Senior Loan Originator Inside Sales NMLS XXXX from Cardinal Financial. He went over my credit and process to get the loan to the approval stages. I finally got all of the documents needed submitted to the portal and was given a closing date of XX/XX/XXXX. As of XX/XX/XXXX the rate was locked in for 6 % which I found odd as the rates were much higher. On several occasions I've asked about the company running my credit and he assured that it was 90 days and it would be ran again.After he told me that it was final approval a closing date was set to XX/XX/XXXX. XXXX days before the closing date no one at Cardinal would answer the phone to get the final approval disclosure to them. A few of the reps went missing for weeks! The day of XX/XX/XXXX Cardinal reran my credit and then wrote another loan term. This was a nightmare for me and my family.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 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

In accordance with the Fair Credit Reporting act

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

I am writing to formally dispute the accuracy of the account listed on my credit report, as it is currently involved in pending XXXX. The account in question is under legal review, and any reporting related to it is premature and inaccurate. It is clear that this account should not appear on my credit report until the matter is fully resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian Credit Report on XX/XX/XXXX dropped XXXX  points because I had an XXXX XXXX card that showed a balance of XXXX. My Experian Credit Report only increased by XXXX points when I paid the balance off. It should have increased XXXX points. I believe this is fraud. Please have someone in management call to explain this ridiculousness. My number is XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting delinquencies to all credit bureaus, But I have never opened an account with XXXX XXXX. Once again I was in the XXXX stationed in XXXX when this account was opened, I have tried explaining to them that I was a victim of XXXX XXXX in XXXX of XXXX  when I left my XXXX with all of my information and identification in XXXX XXXX while I was being transferred to XXXX for my XXXX XXXX station. My credit report is completely incorrect and I am trying to fix it now. I still have yet to hear from this company, yet they are still reporting my account XXXX. Please allow the company to know once again that this account does not belong to me, i don't even have a physical credit card with this company, and whoever made this account has all my information. this situation is putting me in emotional distress after being XXXX from the XXXX because it's causing my l ; life more problems, thank you.