23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection letter containing a settlement offer from XXXX XXXX XXXX, a law firm representing Capital Alliance, dated XXXX XXXX, XXXX. The letter indicates they are collecting on my former XXXX XXXX XXXX account in the amount of {$880.00} and that Capital Alliance is my current creditor. 

I was extremely upset by this, I assumed they were going to sue me if I did n't pay them. I was too embarrassed to tell anyone and did n't know what to do. This proved to be XXXX some years back caused by XXXX which is why I fell behind on my XXXX card to begin with. XXXX. All of this caused because I was so afraid of being sued. 

I finally confided in my daughter about this and she started helping me. First she pulled my credit reports and found my old XXXX account was only reporting on one due to how old it is, it 's gone from that one now too. She did some research and this is what she found. 

My XXXX account is past Statutes Of Limitations for suing and was at the time of their letter. Their letter does not indicate that, it was supposed to. I thought if I made a payment it would reset the SOL clock, I now know it would not. 

Their letter gives a deadline date of XXXX XXXX, XXXX for payment, this is why I was certain they were going to sue me if I did n't pay by then. It was very misleading. 

Their letter indicates Capital Alliance is my creditor. They can not be, they are a debt buyer. XXXX XXXX owns XXXX XXXX XXXX as well as Capital Alliance. They have an unscrupulous reputation and are banned from filing suit in some states. 

Their letter does not include any of the information it should have. No dates as to when the account was originally opened, the last payment, first delinquency, charged off, when Capital Alliance supposedly purchased the account and from whom. They did n't even include the account number. 
The amount they are trying to collect is {$880.00}. The amount the XXXX account was charged off for was {$270.00}, a {$610.00} difference. 

My daughter found this court case that is very similar. 
XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) My daughter also helped me with this complaint as well as a letter to XXXX & XXXX , dated XXXX XXXX, XXXX, sent via Certified Mail with a Return Receipt. They did not respond. 

When they pull these illegal, unethical scams I wonder if they ever think about what it does to the people they 're scamming. 
I doubt it. 

I 'm confident I would prevail in a court case against XXXX XXXX XXXX and Capital Alliance but would prefer to settle out of court due to my health. 

I have attached copies of the correspondence and the relevant credit report entry with the account number blackened out for legal reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm accordance with The Fair Credit Reporting Act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and My name is reporting incorrectly MY name is XXXX XXXX XXXX it is reporting as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and wrong addresses my address is XXXX XXXX XXXX XXXX XXXX XXXX These accounts have 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681c. ( a ) ( 5 ) Sec States, No consumer reporting agency may make any consumer report containing any of the following items of information, other then records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C. 1681 s-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 in accurate
Product: Bank account or service

I have a credit card and checking account with bank of america and the accounts disappeared from my online banking profile. When I called Bank of America, they indicated that they had marked me as deceased in their systems and began the process of closing those accounts. They could not give me a reason why this occurred and I am I concerned about potential identity theft.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XX/XX/XXXX Amount : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit reporting agencies are violating my rights as a consumer defined by the FCRA to have an accurate and precise report. The account in question is XXXX XXXX. They are all reporting a balance on this charged off/ closed account. In addition, they are all 3 reporting monthly on a debt account that has been closed and written off for approximately 6 years which has lead to undue stress and multiple denials while trying to obtain lines of credit. My credit scoring and reporting has been negatively impacted by their violation and inaccurate furnishing of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting information on my report that is not validated and is incorrect. 
I dont have any outstanding medical bills with Capio Partners .

I have never had any contact or done any business with Capio Partners.
Product: Vehicle loan or lease

I've been with this thieving company since 2013. Bad credit and a BK forced me to take their unconscionable terms for a car. The rate is abhorrent - they have only credited {$3500.00} of a {$16000.00} balance in 5 years. These people are vampires. I'm not even a month late and now they're back to the threatening tactics. I want this company to lose their license to make auto loans. They prey on people. It's disgusting.
Product: Credit card or prepaid card

I contacted Goldman Sachs this date to have them update my balance to XXXX dollars owed and they said they are unable to. I am asking they just report my balance to XXXX. 

Thank you.
Product: Money transfer, virtual currency, or money service

In XXXXXXXX XXXX XXXX I was double charged for a payment I made of {$500.00}. My account went negative and cash app offered me no assistance in resolving the matter. I had to call my bank and was informed this was an issue they were having with cash app users.a
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account was already removed
Product: Checking or savings account

I ( last XXXX ssn XXXX ), opened a checking account ( XXXX ) at a Huntington bank branch on XX/XX/2021 based on {$150.00} bonus offer " Deposit at least {$1000.00} in cumulative new money within 60 days of account opening and keep your account open for a minimum of 90 days. '' All requirement was met but the bonus did not arrive. The bank said that my {$1000.00} electronic deposit from another bank did not count. That's not fair. Huntington bank should keep its promise to give me the {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX 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

A Fraudlulent XXXX XXXX Account is being reporting on my Experian credit report. This account does not belong to me. I HAVE CONTACTED EXPERIAN ABOUT THIS MATTER ON MANY OCCASIONS.
Product: Credit card

I bought XXXX iphones using my discover credit card. They got stolen. I filed a claim with discover under their purchase protection that they offer with their card. Its been over 2 months and the claims have not been resolved. One of the phones I purchased was part of XXXX line upgarde plan for {$260.00}. Discover is not settling the claim because they insist that I buy a replacement phone. There is no way for me to go to XXXX and get another phone since I already got my upgraded phone. They are expecting my to go and spend {$700.00} on a new iphone for me to be able to claim the {$260.00}. I am already down {$950.00} and no phones and they are expecting me to go and spend more. Discover is just cheating me. I trusted them but turns out they should not be trusted.
Product: Student loan

A few years ago my private student loans came due with Navient/XXXX. At that time XXXX with the company had a total payment amount of XXXX a month and XXXX I was barely making the XXXX to afford my rent and utilities while having to utilize food stamps to actually eat. When I called to ask about the possibility of getting on an income based payment plan and consolidating the loans to a suitable payment system and I was told that I should apply for government assistance on housing so my rent money could cover the loans. When I told them that I could not do that I was told that I was out of luck because my particular loans do not allow for Income Based Repayment. They have since increased the balance on my loans to close to twice of what they were and sent them to a subsidiary collection company that they own. And even after filling bankruptcy I still can not a health payment plan that does n't take every penny I earn thus making me homeless because I ca n't pay rent.
Product: Credit reporting 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 : XXXX from XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : 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: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} i ask to remove the fraud to be remove, XXXX XXXX XXXX  date it say it open XX/XX/XXXX {$0.00} is owed and it fraud i ask to deleted this XXXX XXXX XXXX open XX/XX/XXXX {$3100.00} fraud i ask to be removed XXXX XXXX XXXX still have not been remove open in XX/XX/XXXX with a fraud balance of {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent activity. See attachments below!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 8 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting or other personal consumer reports

The management at XXXX XXXX agreed upon a written amount for my wife and I to pay for terminating our lease early. 

My wife and I obliged and were paying the agreement via the rent portal as agreed. 

*Management claims they never received the payments for XXXX or XXXX. 

Look at the photos and decide for yourself. We carefully redacted our information for obvious reasons. 

**We paid for XX/XX/year> and XX/XX/year> in the amount of {$2800.00}. 

***The amount was not credited toward the early termination fee of {$4800.00}. 

The management at XXXX XXXX inappropriately reported the amount to their debt collections company. 

XXXX XXXX management, XXXX and XXXX, said we must speak with the collections company PDM INC to fix the account balance issue. 

Eagerly we called and .... XXXX at the collections company PDM INC said to speak with management about the account balance issue. Nothing was resolved. 

My credit score is suffering and I was declined for two much needed loans. 

Thank you for your precious time. 

P.S. Any attorney who would like to advise myself, a fellow XXXX vet, reach me please.
Product: Credit reporting or other personal consumer reports

Im in the process of buying a home and I went to get a copy of my credit report and upon receipt of it I noticed discrepancies in my report in which I reached out to the credit bureaus Transunion, XXXX, XXXX. I am writing to dispute several negative items on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). These inaccuracies have significantly impacted my credit score and financial standing. 

I have carefully reviewed my credit report from Transunion, XXXX, XXXX dated [ Date ], and I have identified the following discrepancies : XXXX. [ XXXX XXXX, XXXX Duplicate charges and insurance resolved debt back in XXXX  informed by creditor. 

XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX The aforementioned inaccuracies violate the provisions outlined in 15 U.S.C. 1681, specifically : - **Accuracy and Fairness ( 15 U.S.C. 1681e ) ** : The negative items inaccurately represent my credit history, leading to an unfair assessment of my creditworthiness. I request a thorough investigation into the accuracy of these items. 

- **Access to Information ( 15 U.S.C . 1681g ) ** : I am entitled to accurate information in my credit report. The discrepancies mentioned above have denied me this right, and I request that the inaccuracies be promptly corrected. 

- **Dispute Procedure ( 15 U.S.C. 1681i ) ** : I have reached out to transunion, XXXX, XXXX, but to no avail. The agency has failed to conduct a reasonable reinvestigation, as required by law. 

I kindly request a comprehensive review of this matter in accordance with the provisions of the Fair Credit Reporting Act. 

I appreciate your prompt attention to this dispute, and I trust that your intervention will lead to the correction of these inaccuracies. Please keep me informed of the progress and outcome of the investigation. 

Thank you for your assistance in upholding the consumer rights outlined in 15 U.S.C. 1681. 

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

On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating The United States Bankruptcy Court does not report any information to the credit bureaus. So if that is the case, how did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Credit reporting or other personal consumer reports

I am giving a statement that the information is not information related to any transaction by me XXXX XXXX XXXX. Please see attached file
Product: Debt collection

I checked my credit report and I found couple company 's name claims that I owe them money Ability recovery services XXXX $ XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX $ I tried to dispute These false claims thrue XXXX and they did not remove it after they did not get an evadance to support these companies claims
Product: Credit reporting or other personal consumer reports

Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX XXXX  breach, which occurred in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being. Please see my attached FTC Identity Theft Reports.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer XXXX XXXXXXXX  Listed below are the Collections that are being challenged US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX US DEPT ED - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card

On XXXX/XXXX/XXXX we made a purchase of {$3000.00} with a promotional credit offer of 18 months @ 0 % interest. I was able to make all the payments on time and in excess of the minimum payment due of {$160.00}. By XXXX XXXX I had a balance of {$960.00} with 10 months to go on the 0 % offer. On XXXX/XXXX/XXXX I called Synchrony Bank to reduce the minimum payment to {$100.00}. The first agent was un helpful. I waited XXXX minutes to speak to XXXX XXXX XXXX XXXX, who refused to do anything. Her supervisor was unavailable. I asked how I could register a complaint. She said she could submit XXXX on my behalf or I could mail XXXX in to their corporate office. I told her to submit XXXX and give me the adress so that I could mail XXXX in as well. I also told her I would be submitting this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I found numerous items listed that are NOT accurate and is reporting misinformation derived from an error.
Product: Mortgage

The short sale has been under review for 115 days. The investor first denied the buyer closing costs despite being a VA financing purchased. Lastly, we were counter to increase the price to {$240000.00}. the current offer amount is {$230000.00}. On  XX/XX/XXXX , copious amounts of supporting documentation to back up our offer amount were submitted in the form of a value dispute as a response to the counter. It has been over a month and there have been no updates regarding a decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}