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

I provided a one time consent to pull credit on XX/XX/XXXX to GM Financial. The vehicle was delivered to the primary buyer on XX/XX/XXXX with no problems and the account opened on my credit. 

In XXXX the primary buyer was told that a minimum of 3 references were now required. The buyer was forced to do so under void of contract despite already having possession of the automobile with an open account and another credit inquiry was generated. 

The account was opened on XX/XX/XXXX with the primary buyer taking possession and no need for any further credit inquiries were warranted. The unauthorized inquiry on XX/XX/XXXX is self evident as an unauthorized inquiry since the account was open. 

The sales person who can attest to the single credit pull and sale completion on XX/XX/XXXX is XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Michigan.
Product: Debt collection

In 2016, I be came very sick which resulted in me becoming XXXX   forcing me to retire on Social security XXXX. I immediately contacted my creditors and was told about various programs that could help. I applied for a loan modification for my home equity. To qualify I had to go on a trial period for a number of months to show I could at least make the new payments. Unbeknownst to me I was still being held responsible to make the higher original loan payment at the same time. I couldn't afford to pay both payments thats why I was applying for modification. My credit suffered, over 30, over 60 and over 90. 

After successfully completing the trial I was offered the modification with late fees that had accrued were waived. I carefully read through the document there was no mention of late fees or time they would accrue going forward. 

So as my social security benefit went to my bank I was able to pay the agreed upon amount. 

Now that this loan was given to Specialized Loan Servicing and later sold to another investor. I am being charged a {$39.00} late fee for a payment made in the same manner as I did in the past. The terms in the agreement supersede all others. So why now am I know being charged fee when here is NO mention of it in the agreement I signed? 

I tried calling customer service at Secialied Loan Service but could never tell my story because the asociate keep talking over me and would not listen to the problem. The manager I asked for never returned my call. 

Attached are statements showing I was NOT charged a late fee.
Product: Credit card

CAPITAL ONE -- has been closed ( Sparks business card for weeks and still showing XXXX balance. It was paid off and closed. 
Please confirm its paid 0 balance and closed. 


Credit usage 42 % Balance {$1000.00} Balance updated XX/XX/XXXX Credit limit {$2400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Business Card
Product: Debt collection

Afni notified me of an alleged debt with XXXX XXXX XXXX. If did not recognize a debt therefore, I sent the debt collector a letter, and asked for verification of the XXXX Afni made no additional communication addressing the problem. On XX/XX/2021, I received notification from the XXXX app that my credit report had been updated with Enhanced Recovery Collections. I conducted research on the company and obtained their contact information. I was informed that XXXX has been in possession of the file since XX/XX/2021. There was no correspondence regarding this purported debt. I was presented with wrong contact information on file with Enhanced which is why they were unable to contact me. According to what I was told, the search revealed that those were the most established locations and phone numbers. I never resided at the address, and the phone numbers were at least 15 years old. How valid is this debt, if the creditor did not have my address? What happened with Afni? XXXX, did not have the correct information. This tactic impacted my credit report and score. The 30 days have passed. Am I able to send verification of debt letter?
Product: Checking or savings account

The bank of America has closed my checking account, saving account and XXXX credit cards without a reason. I'm a honorable veteran and I've been using Bank of America since XXXX, so that's been XXXX  years. My account has never had any unexplained money enter my account, and no large amounts have been transferred in or out to individuals. My checking account is used to collect rent on the house and pay credit cards and receiving salary checks. My savings account is never used.I called them, but they didn't tell me any reason. Just told me that my account has been closed. I tried to open a chase checking account, but I can't open one now. Please help me. Thanks
Product: Credit reporting or other personal consumer reports

Discover Open Date in XXXX Reopened Date XX/XX/XXXX Identity Theft and Fraudulent Account Apart of multiple data breaches from XXXX XXXX updated my credit report and removed my credit freeze from my profile. Found out in XXXX of XXXX after 5 days of repeated phones calls and escalation to managers due to receiving reports that my credit profile was being accessed by several creditors I did not authorize.
Product: Money transfer, virtual currency, or money service

My complaint is regarding a Paypal account to which I have a linked credit card and a bank account. My credit card is in good standing, as a XXXX dollar limit, a no current balance. 

About a month ago, instead of charging my card for recurring payments, Paypal was now taking my scheduled payments out my checking account which I did not authorize, and has nearly caused XXXX overdrafts. 

When I tried to resolve the issue, I had to enter the details of my dispute into a Paypal online form. There is NO customer service number, chat or way to connect with a live person. It took Paypal a week to get back to me telling that they denied my claim for {$11.00}. I was completely baffled as this had nothing to do with my complaint about them switching my payment methods without my authorization. I was told that the case closed and denied. The problem now is that Paypal is restricting me from closing the account due to my complaint not being closed, even though they messaged to indicating that they had done so. 
I have deleted my credit card and bank account from Paypal. There is no number to call or option to take in order to close my account. I do not want Paypal having any of my data and feel as though Paypal has constructed this road block to keep people from closing their accounts. The balance is XXXX in the account, I owe no money and any recurring payments I had, have been cancelled. I want the account closed and I've tried 5 times over the past month to do this to no avail. Please help me get my account CLOSED.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that the addresses and personal information on the report are inaccurate. I looked your website and enclosed the proof of the current address that you require please make sure that there aren't any inaccurate names and addresses on my credit report. I ask that you be sure to match the spelling of my name with the social security number and date of birth to ensure the accuracy of the records you're reporting. 

I do not wish to have any telephone numbers on my report. please remove all other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.

please send me an updated credit report as soon as you have deleted the incorrect addresses show above and ensure that any incorrect names have been removed. 

Thank you.
Product: Debt collection

On XX/XX/XXXX. XXXX  I noticed as I was looking over my credit I noticed there was an auto loan that I was unaware about. Overtime I've received calls and emails from Stellantis financial services about this but I never really sat down and paid it any attention until now because it started to affect my credit. During this time I received paper mail from the company and emails about missed payments. Now that I'm looking more into it I believe there has been an identity fraud theft because I've been receiving notices about car tickets in my name under this cars information. I am taking the proper precautions to get this taken care of because this is an unfortunate circumstance and is affecting my credit and causing me debt.
Product: Credit card or prepaid card

Spontaneously, an email was sent stating there would be a decrease in credit line for inaccurate reasons. Upon reviewing credit report and credit score ( as credit has been frozen since beginning of year ), information provided by the credit card company is again, inaccurate. 
I have had an account with said, credit card company, for many years. Maintaining bill payment and well standing account. All accounts on credit report have some of the lowest balances currently, than before. 
It seems the credit card company are not honoring their ethical standard but compromising or punishing consumers for paying bill on time, etc. 
The should be reviewed and credit line on account should be reinstated, as I am disputing all inaccurate information and standing as advocate for this biased handling of account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted each company for the inaccuracy on my consumer report. The activity date, account being removed off of XXXX. It was removed due to identity theft. Also date of last active I have never made any payments on this account and it's not associated with any address that I have listed on my credit report. Account XXXX last reported dates XXXX and XXXX as inaccurate dates listed along with last date of payment is inaccurate these are showing all type of inaccuracies all across my credit report. # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX all of these are showing inaccurate information and there for to be removed from my credit report. XXXX and XXXX dates and amounts do not match up activity and payment dates show several inaccuracies. Date of last reported is error too. Your investigation of verified has damage my account and reputation for these accounts and I have provide all the pictures and evidence to provide to the BBB I have to send over an audit to IRS for your purpose missed investigation for many years allowing these errors to remain on my credit report and placing them back on my credit report as well. XXXX has dates that are incorrect dates and I have not did any business with this company. XXXX AS WELL IS INCORRECT DATE OPENED WRONG LAST REPORTED ALL WRONG XX/XX/XXXX XX/XX/XXXX LAST DATE ACTIVE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX LOOK AT THE ERRORS LISTED AND YOU CONTINUED TO REMAIN AND PLACE THE ERROR ON MY CONSUMER XXXX XXXX ARE TO BE REMOVEDF IMMEDIAELY. THESE ACCOUNTS ARE REMOVED ON THE OTHER CREDIT AGENCIES I HAVE PLACED ALL THE MISTAKES XXXX, XXXX, XXXX XXXX ACCOUNTS, DEPT OF EDUCATIONXXXX THE DATES OF ACTIVITY, DATE OF PAYMENT, DATE OF ACTIVITY, ALL OF THE DATES ARE DIFFERENT AND INCORRECT.
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 Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$180.00} Charged Off Inquiries in Dispute : 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

To Whom It May Concern, The reason for my dispute is XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX XXXX 
failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this  alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Student loan

Everytime I recertify FedLoan tries to cheat me out of PSLF time and increase my payments while they recalculate, their letters are contradictory, please see attached document letter to them with excerpts. I get my documents in super early, but their game is delay and entrapment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting of student loan account number # XXXX, as delinquent, by servicer XXXX ( creditor : XXXX XXXX ) is not only incorrect but illegal. XXXX violated the loan agreement. XXXX did not process my forbearance/deferment request, while I am still in school. See attachment for further details.
Product: Debt collection

Debt collector has conflicting contact information on multiple credit reports. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : not listed As shown above, collection agency has listed different phone numbers to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXXXXXXDate Opened : XX/XX/2017 Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

From my recent XXXX report # XXXX I noticed that my most recent reports have old addresses, phone numbers, and old employers .. that Ive called the companys to removed and disputed online yet still no change in my report.
Product: Payday loan, title loan, or personal loan

XX/XX/2021 I got a hard inquiry on my XXXX  credit report From a company named NETCREDIT/XXXX Never heard of this company Never applied for a loan I was at work all day from XXXX to XXXX Tried calling this company Can not get through to anyone Tried looking it up Looks like its a high interest personal loan company Would never be interested in a company like that Also called XXXX  The said there is nothing they can do Cant take my word for it Ive tried so hard to get my credit up and stay in good standing Had identity theft about 5/6 years ago with the IRS this makes me very nervous Please help
Product: Credit reporting or other personal consumer reports

sent in letters mutiple times never got notified or my problem resolved this very painful & breaking my character
Product: Credit reporting or other personal consumer reports

I'm escalating these unfamiliar and inaccurate accounts that I recently found from my credit report today. There has been lots of mistakes and misleading details that were entered in my consumer file regarding these below Charged-off accounts. I needed them to be removed right away .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for a Modification with Bayview Loan servicing and they told me I can't get it due to debt to ratio which is NOT supposed to anything to due for a MODIFICATION. That is only for refinance as I have friends in the mortgage business.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | 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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident with my car. The vehicle was towed to a local auto yard. My insurance had lapsed, so the repairs were not covered. I contacted XXXX XXXX and explained the situation and turned the vehicle over to them, as I had no way to repair. This should have been a repossession in XXXX. 

The last payment made on this vehicle was XX/XX/XXXX. My loan was paid as agreed until I had my accident. 

XXXX XXXX is continuing to report this account, more than three years after I released the car back as an open account that is 120 days late. This inaccurate reporting is intended to do maximum damage to my credit, and more than three years later is hindering me from being able to obtain an auto loan from a reputable lender because of my " open past due car loan ''. 

I have tried numerous times to have this corrected and have not been able to get any response. I understand that this account will report negatively, that is my responsibility, but the reporting is inaccurate and this reporting is doing damage to me and my family. I have been unable to secure reliable transportation for my children with this inaccurate credit reporting.
Product: Debt collection

I am writing to file a formal complaint against CREDIT COLLECTION SERV, a collection agency that has been violating my consumer rights under various consumer protection laws. 

Violation of 12 CFR 1006.34 ( b ) ( 5 ) : CREDIT COLLECTION SERV has failed to provide me with the required validation information regarding the debt they are attempting to collect. Despite repeated requests, I have not received any documentation or validation of the debt, which is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ).

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account in question. CREDIT COLLECTION SERV placed a collection on my consumer report without providing the necessary information and without giving me a chance to dispute the validity of the debt. This is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Violation of 12 CFR Part 1006 : CREDIT COLLECTION SERV has been using false, misleading, and deceptive means to collect the debt. They have misrepresented the amount of the debt and have used threatening language in their communications. These actions are in violation of 12 CFR Part 1006, which prohibits debt collectors from engaging in deceptive practices.

Violation of New York XXXX Statute of Limitations : The statute of limitations to collect this debt in New York XXXX  has passed. According to New York XXXX laws, the statute of limitations for debt collection is three years. CREDIT COLLECTION SERV is attempting to collect a debt that is beyond this period, which is an additional violation of my consumer rights. 

Additionally, I am disputing owing any and all debts to CREDIT COLLECTION SERV. Furthermore, I am revoking all rights of CREDIT COLLECTION SERV to communicate with me through email, text, or calls.