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

In accordance with the fair credit reporting act XXXX XXXX Account number xxxxxxxxxxxxx XXXX ; has violated my rights. 

15 U.S.C 1681 section 602 ( a ) States I Have A Right To Privacy.

15 U.S.C 1681 section 604 ( a ) Also states A consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX Account Number : XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX & XXXX Account Number XXXX. XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX Account XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX on XXXX it continued to update as charged off in both XXXX and XXXX XXXX on XXXX it reports 7 potentially Negative Months , On Equifax it reports 8 Potentially Negative months and shows no Payment history on XXXX.On XXXX it reports account type as " Charge Card '' on XXXX as Revolving  account and on XXXX as Revolving account. On XX/XX/XXXX XXXX reports on time payment in XX/XX/XXXX on Equifax it reports 30 days last.On equifax it shows XXXX  days late repeatedly in XXXX, XXXX, XXXX of XXXXthis inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX Number XXXX Enclosed is a copy of my credit report
Product: Credit card

During the COVID National Emergency, I experienced severe medical problems which left me XXXX XXXX XXXX and in need of multiple XXXX. Despite these injuries, I continued to make my American Express payments. I did take advantage of an unsolicited payment reduction offer which drastically reduced the interest on my balance. 
In the few days prior to my having XXXX  in XX/XX/year>, I made a payment using a bank account other than the one I normally used to make payments. I did this because I was unable to get to the regular bank to deposit funds to cover the payment. I was extremely clear with AE that this account information was for one time use only. The AE phone representative told me the account information would not be retained by AE, so there was no chance it could be used again. Despite this, AE began abusing this account by repeatedly attempting to withdraw funds from it. I contacted AE multiple times attempting to get this stopped, each time I was promised it wouldn't happen again, but it continued until I was forced to request and pay my bank to create a " stop payment '' for AE. 
When I could no longer trust AE with my account details, I asked to make payments by mailing in checks, this was refused by AE. This created a situation where I was unable to make payments on the account due to AE abusing my bank accounts, and refusing to allow me to mail payments. 
AE began a relentless day and night calling campaign, using multiple spoofed phone numbers, including local numbers. I did answer these calls at first, but the demands were always the same. In order for me to make payments, I had to give AE full access to my bank account, no other option was allowed. In time, AE began calling my spouse. Eventually, I demanded AE stop calling myself, and my spouse, I insisted they only contact me by mail. AE continued their relentless campaign of calls after I asked them to stop. Additionally, calls were made to my spouse which were abusive and illegal. Illegal in that my sposes accent was mocked as was our XXXX marriage. 
It feels like AE is now more concerned with hurting me than they are with receiving payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report it was discovered that there's accounts on my report inwhich I have no knowledge of nor has anyone reach me about the change in my report. I'm respectfully requesting physical documentation for the following accounts or by all accounts these accounts shall be removed in accordance with the FCRA rule of law. The following accounts are, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The Experian, XXXX, and XXXX Credit Bureaus have 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. Please evaluate the following accounts : XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXXXX Balance Owed : {$0.00}. In accordance with the Fair Credit reporting Act, I am requesting that you correct m Credit File by correctin and or removing these erroneous information from my Credit File as soon as possible.
Product: Debt collection

I am not liable for the debt with XXXX XXXX. I do not have a contract with DRS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX DRS did not provide me with the original contract as I requested. 

I demand this account be removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had another person 's name, address, phone number, and 31 adverse accounts mixed in with my credit report dated XX/XX/XXXX. I disputed this incorrect information with both XXXX  and the creditors by mail and numerous calls. I finally received a corrected credit report dated XX/XX/XXXX. During this time my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$5000.00}, ( XXXX balance ) and my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$2500.00} ( XXXX balance ) were both closed. My XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$10000.00}, has been drastically reduced to {$1400.00}. All of these good long standing credit accounts were affected due to the incorrect information received from XXXX. This has ruined my good credit and none of it was my fault!!!
Product: Prepaid card

I purchased an amex giftcard with the amount of {$30.00} on it. When I went to use it, it would not work anywhere online. I tried it on XXXXXXXX XXXX XXXX XXXXXXXX and it did not work. It keeps telling me " authorization failed ''. I made sure that my total was under {$30.00} so I know its not about insuffiecient fees. I did some research online and found out so many people have had this problem on trustpilot. This is a disgusting company that is so obviously a scam. I have provided multiple attachments as proof. This is XXXX. If I do not receive a refund, I will have to take legal action to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Amex : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Misuse of credit by several cc companies .. credit / debt sold to unauthorized corporations .. reporting is very off .. amounts owed and consumer fraud by cc companies as my SS number has been sold without my consent
Product: Prepaid card

XXXX {$25.00} gift card that expires XXXX Starting on XXXX/XXXX/2015 XXXX or it agent partner emptied the funds from the card. Not only did XXXX have the funds to invest when the card was purchased, they " from the consumer perspective '' stole the money off the card before the card expired. This is just wrong and consumer abuse and fraud. 

Card ActivityPrint Friendly View of Page " RP '' indicates Recurring Payments TimeDescription/MerchantStatusAmount XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXXINACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00} XXXX XXXX-INACTIVITY Complete- {$2.00}
Product: Credit reporting or other personal consumer reports

To Whom it XXXX Concern, While checking my most recent credit report, I noticed a late payments that I did not authorize, I am unaware of, and believe to be fraudulent made by the following companies : Accounts : XXXX. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/year> ) I believe this was never late and paid as agreed to be removed on file. This is a violation of the Fair Credit reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. As well as Section 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for any purposes. 

All three credit bureaus are reporting incorrectly, XXXX, XXXX, and Transunion and need to please be contacted to get removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXXI HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX  XXXX 8 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XXXX XXXX, XXXX  Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX  Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Contact info Address XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX CREDIT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting or other personal consumer reports

My personal id was stolen and used to get loans. I filed all the fraud paperwork and XXXX report and sent to the credit agencies. My disputes are not getting processed correctly and the information is not attached to the disputes. I am not getting copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Data stolen western union stock stolen compromised account and breach of email
Product: Mortgage

During the period of XX/XX/09 thru XX/XX/09 our home lender Citi Mortgage put our loan into a trial program in order to lower our monthly payments. 
After the 120 day period without as they said they never received any monthly payments towards our loan, or, also, never receiving any paperwork which was totally untrue as we had sent them a minimum of four times, still made our mortgage payments but as a small reduced amount, until we were approved in their plan, we were sent a foreclosure letter stating our home was in arrears and was on the steps of the Supreme court of Arizona the following week for the highest bidder. 
Through my wifes diligence getting through to the main offices in Missouri to the Citi bank lawyers, we were told if we sent {$17000.00} US dollars in a specific time the proceedings would be voided. 
This we did by quickly borrowing from family and saved us from thrown into the street.
Product: Debt collection

To whom it may concern, I received my free credit report and have noticed discrepancies on a reported charge off account that violates my FCRA rights ( Fair Credit Reporting Act ) I have highlighted my concerns in the .pdf attached and ask that due diligence is done to confirm the validation of this debt. I have previously requested information from this collection agency and have in return received repetitive robot-like replies basically saying " take my word for it. '' I have not received real credible evidence including but not limited to : a signed contract, and the I.D provided at the time of contract signing. I've been made uneasy by the sloppy account keeping. I have provided FTC identity theft reports to this agency as well, per their request. They did not care and proceeded to ignore my request for deletion. I have spent months now attempting to work alongside the collection agency and have gotten nowhere. They refuse to provide me with valid information confirming the accuracy of the reported account. I am requesting that Experian take control of the situation and determine the credibility and legality of this account by validating this debt. Across all three bureaus are inaccurate and contradictory reporting such as payment history, and account status. I would imagine that payment history and account status are the XXXX most important attributes of an account on a credit report. Assuming that is the case, why are my accounts being reported this way? How can a person pay 45 % of payments on time for XXXX bureau while simultaneously reporting 53 % payments made? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) XXXX reports 45 % of payments made on time whereas Experian reports 53 % of payments made on time. The payment dates and payment history, including times late, do not add up, and are not consistent, which adds credence to my claim that this company has sloppy reporting. All of this will be highlighted in the attached .pdf document for easy viewing. It is my understanding that accounts that are not accurately and consistently reported are in violation of my FCRA rights and if this debt can not be validated. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter well over 6months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.
Product: Debt collection

I need this removed from all 3 collection agencies. I have disputed this several times and they continue to keep this on my report. No one will call or has called me or sent any written documentation as proof. This company is horrible and very unprofessional. They continue to make noted that I can not see on the account. All i can see is that it was reported again. I have no clue as to why they keep reporting it monthly.
Product: Credit reporting or other personal consumer reports

Companies by the name of XXXX XXXX XXXX,, XXXX XXXX XXXXXXXX, Midland Credit Managem are reporting Fraugulent Inaccurate information on my current Report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account othat belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about, Thursday, XX/XX/XXXX, I placed an order for phone service with XXXX XXXX XXXX XXXX online, order number XXXX. I called the store that I selected to pick my order up from and was told that their system was running slow, and they would get to it shortly, once they received it. Shortly after I ended the phone call, I received an email from XXXX XXXX XXXX stating that they had a problem placing my order and to give them a call. I called and had a ton of issues so I just went into the store, and I was told that my social had a fraud alert and I need to call to verify my identity. I called and was told that they could not approve my account because I had too many discrepancies on my credit report. I was then referred to the Equifax Utilities Department. When I spoke with them, I was told that I had two discrepancies, my address and date of birth. I was told to send a copy of my drivers license and either a bill or my lease agreement so they could update my information, and the entire process would take 48 business hours. To confirm that I was thinking the same thing, I asked if I send it tomorrow, which would have been Friday, XX/XX/XXXX, it should be completed and updated by Tuesday, XX/XX/XXXX, and they said yes. On or about Friday, XX/XX/XXXX, at approximately XXXX XXXX, I faxed over a copy of my drivers license and lease agreement to the fax number provided to me, along with a cover letter to explain the situation. When I called on Tuesday, XX/XX/XXXX, I was told that they did not have my paperwork and I had to resend it and it would take another 48 hours. On or bought Wednesday, XX/XX/XXXX, at approximately XXXX XXXX, I faxed my information to them again. On or about Monday, XX/XX/XXXX, at approximately XXXX XXXX, I called again to get an update, in hope that my information was corrected on my credit report so that I may go purchase my new phones soon, but much to my surprise they still do not have my paperwork and I was told to resubmit my documents. This situation I find to be very distasteful and frustrating. I do not appreciate it as I am a combat veteran and I should not have to be treated this way by any business. This has caused me major inconvenience as I am still having to wait to get my phone service because they will not update my date of birth.
Product: Vehicle loan or lease

On XX/XX/2023, I submitted an application, which contained my Social Security Account Number as well as my Electronic Signature through the Ford Motor Credit Company. 

On XX/XX/2023 I overnighted my Initial Notice in the form of a Letter of Introduction to the CFO, Attorney-in-fact, and the FORD CREDIT AUTO OWNER TRUST Trustee informing them collectively that I, in good faith, am extending my credit and exercising my right to credit. I submitted an endorsed Offer to Purchase with the Initial Notice. I also informed them collectively not to deny my Consumer Credit Protected Rights per the Equal Credit Opportunity Act. 
( TRACKING # : XXXX, XXXX, XXXX ) On XX/XX/2023 I received a vague Notice from FORD CREDIT EXECUTIVE OFFICES stating what factors they may use to approve/deny applications. [ my initial notice addressed that I was exercising my consumer credit protected rights to credit ] On XX/XX/2023 I received an adverse action notice stating FORD MOTOR CREDIT COMPANY stating they denied me my right to credit. The adverse action notice did include that the Federal Equal Credit Opportunity Act PROHIBITS CREDITORS from discrimination against the credit applicant on the basis ofor, because the applicant has in good faith exercised ANY RIGHT under the Consumer Credit Protection Act. 

If Im not mistaken, I was supposed to receive that denial within 30 days of application for credit. Nor was I to be denied/discriminated against.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a first mortgage with MUFG Union Bank that I am interested in refinancing. Having locked in a bank to complete the refinance, I was asked to provide my note for the first mortgage to the new lender. Searching through my closing documents from the original purchase of my home, in XXXX of 2015, I  realized that I was never provided the original note on the loan. Calling customer service, I was told that the bank was not capable of sending me an electronic copy, and could only mail a physical version of the document after a 3-5 business day processing period. Considering this timing is delaying my refinance, I am paying higher interest to Union Bank than I would pay my new lender because of Union Bank 's policy of delaying customer document requests. After complaining via multiple avenues about the banks ' policies, I received a secure email from Union Bank that purported to attach my loan documents, but nothing was attached to the secure message. This appears to be an intentional policy of the bank to delay existing mortgagors from refinancing their homes ( the main reason a debtor would need a copy of their note ). I imagine there is a class action suit or heft regulatory action, as this policy has likely cost many many American consumers higher interest payments as a result of Union Bank 's deliberate exploitation of their consumers.