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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXi within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXXXXXX XXXX-Balance {$970.00} XXXX  XXXX-Balance {$300.00} XXXX XXXXXXXX-Balance {$73.00} XXXX XXXX-Balance {$280.00} XXXX XXXX-Balance {$300.00} XXXX XXXX-Balance {$250.00} XXXX XXXX-Balance {$360.00} XXXX XXXX-Balance {$620.00} XXXX XXXX-Balance {$1100.00} XXXX XXXX {$21000.00} XXXX XXXX-XXXX-Balance {$1200.00} XXXX-Balance {$680.00} XXXXBalance {$230.00} XXXXBalance {$70.00} XXXXBalance {$1900.00} XXXX-Balance {$660.00}
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

Recently sent out affidavit with invoice attached and had you the CFPB contact Automated Collection Services Inc. They responded with closing the account for the wrongfully, civilly, and criminal violations that theyve committed. Which removing/deletion of an account is admission to the crime theyve committed. 
The Automated Collection Service Inc agent was XXXX XXXX. I DO NOT appreciate my right to privacy and consumer rights being violated. Now I DEMAND compensation by check for the violations committed or else legal action will be taken. Respond only with telling me my check has been sent out for violating me.
Product: Debt collection

XX/XX/2019, I was served a certified letter containing a Notice for Execution Against Wages for XXXX. A judgment for a debt I was never notified of or have any record of dealing with XXXX bank. 
I responded to Lyons, Doughty and Veldhuis attorney for XXXX XXXX, the buyer of the debt, on XX/XX/2019, asking for the debt to be verified. They responded on XX/XX/2019, saying the judgment was filed legally and a snip of the judgment in the amount of {$10000.00}. No proof of account or anything from XXXX with my name on it.
Product: Mortgage

Date : XXXX/XXXX/2016 To : Consumer Financial Protection Bureau Summary - Approximately XXXX months ago, my ex-wife, who had been ordered to pay me {$2500.00} per month in maintenance support intentionally got herself fired from a very lucrative position with her prior employer, with an annual salary of over {$350000.00}, so my monthly maintenance support was reduced to {$500.00}. Over the course of the 3+ years she was dragging me through the courts, I was compelled to spend over {$150000.00} in legal fees, depleting my financial assets. My prior credit history has always been impeccable, but my current financial situation has been reduced to a point where I can no longer maintain most of my monthly obligations. 
I contacted Carrington mortgage ( my mortgage servicer ) to see if anything could be done to save my home. They were very vague, uncooperative, and rude. This has gone on for a few months and now I may be forced to consider Bankruptcy due to Carrington 's total lack of any type of dialog. Upon discussing this situation with my son, he stepped forward and offered to assume the mortgage. I contacted Carrington once again and explained the situation to them, and the stall tactics continued. Eventually I faxed them a permission document and password to deal with my son in the assumption process of the loan ; a copy of the faxed document available. At that point I reduced my involvement in the assumption process. From that point on, my son did everything possible to remedy the situation and get an understanding as to what he needed to do to assume my mortgage. Carrington was still unhelpful, in that, one representative hung-up on my son and was treated very disrespectfully and offered no cooperation from other Carrington staff. He was switched from one person to another and told to call this person, and then that one. At one point he was told he required a " password '' to which he replied that his father had already taken care of that issue, but was told that they had not received any faxed documentation from me. Not only did I verify that I had the correct fax number, but also 'confirmation ' of the transmittal. 
To summarize, my son is offering to assume my mortgage and I would live there rent free, especially with all of my medical expenses. I 'm asking for your assistance in this matter, and in the meantime I 'll continue to fight XXXX XXXX ( something I was recently diagnosed with ) from my home and not some 'shack ', which is where I 'll end up since my social security income is {$1900.00} per month and the miniscule maintenance support my ex-wife pays me, which is below the amount the court has ordered and in violation of the court settlement. There appears to be a solution to many issues and I do n't know why Carrington is being totally uncooperative. However, it became apparent very quickly that Carrington 's goal was to intimidate me into paying the monthly mortgage payment NOT to work out any type of reasonable solution. I can provide more details and proof upon your request. 
Thanking you in advance, XXXX XXXX XXXX
Product: Debt collection

i bought a car in 2007 and changed auto carriers. they are trying to collect a illegal debt from me. the company 's name is progressive. 
the second company is XXXX. i payed them up to when i had them disconnect my service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : Branch Banking and Trust now Truist bank has failed to uphold their word to accurately report my accurate mortgage balance owed. On XX/XX/2021 BB & T reported to all three Credit Reporting Companies I paid my mortgage on-time. However, they fraudulently reported I owe more on my mortgage than I actually owe. BB & T reported a {$950.00} increase. Please view attached documents for further detail into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, Consumer XXXX XXXX have an inaccurate account on my consumer report. There was a charged off account on my report from XXXX  XXXX that is being reported on XXXX, XXXX, and Equifax, but I paid it off. There should no longer be a charge off on my consumer report. If the balance equals {$0.00}, then the debt is gone and I demand that XXXX XXXX and the consumer reporting agencies do their part and remove this derogatory item from my report. Pursuant to 15usc1681e ( b ) consumer reporting agencies must ensure maximum accuracy on our reports. Calling a paid off charge-off account that should no longer be on my report a derogatory mark is not ensuring maximum accuracy. I want this account removed from my consumer report per XXXX, XXXX, and Equifax. 
XXXX XXXX Account # XXXX opened XX/XX/2015
Product: Checking or savings account

Navy federal credit union charged me oops for over 8 years for overdrawn balance XXXX dollars or more each transaction vs having a cap and made me feel I was being preyed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : WELLS FARGO DEALER SVC XXXX
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous e
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts 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 accounts : XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$4400.00}
Product: Credit card

I am filing a claim in the state of Connecticut. On XX/XX/XXXX, I rented a car in XXXX, XXXX, from XXXX. I chose not to purchase additional insurance because I was relying on my American Express XXXX XXXX XXXX. For this rental, I utilized two free days through my XXXX XXXX rewards. 

Unfortunately, I was involved in an accident and paid the deductible of XXXX euros to XXXX. I filed the claim with American Express on XX/XX/XXXX and provided all the requested documents. Despite several attempts to clarify that XXXX XXXX is not a method of payment but a rewards program, American Express continues to ask for non-existent documentation. Despite multiple phone conversations where representatives acknowledged understanding the issue and promised a review, they persistently request the same documentation. 

I even contacted XXXX for assistance, and they suggested I send a screenshot of my membership to American Express to help clarify the nature of the program. I have also provided detailed information on how the program works, and my invoice clearly states that XXXX XXXX covered XXXX days of the rental. 

When I rented the car, I was informed of potential issues with American Express in case of an accident, and now I see their warning was justified. American Express has not acted as promised and is questioning its customer unnecessarily. This situation has become exceedingly time-consuming and frustrating, especially because each call to their insurance company involves speaking with a different representative after a XXXX wait, and repeating the same information. 

I hope you can intervene and help resolve this issue, as it has greatly affected my customer experience.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I recently obtained a copy of my credit report and found the following accounts to contain inaccuracies that must be removed immediately as they are either outdated, incorrectly reported, or unverifiable. 

XXXX. XXXX ( XXXX ) Incorrect Late Payment Reporting Issue : Inconsistent late payment reporting across bureaus. The dates of late payments differ between credit reports, which is an FCRA violation ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Action Requested : Delete the late payment history or provide proper documentation showing correct reporting across all three bureaus.

2. Petal Card Account Closure & Negative Mark Reporting Issue : This account was closed at my request, yet it is still reporting a negative payment history, which violates FCRA 15 U.S.C. 1681s-2 ( b ).

Action Requested : Either update this account to " Closed in Good Standing '' or delete the entire trade line. 

XXXX. XXXX XXXX Overstated Balance & Charge-Off Discrepancy Issue : This account is reporting a balance higher than my credit limit ( 129 % utilization ), which raises suspicion of an improper interest calculation or illegal overstatement.

Action Requested : Provide proper verification of how this balance was calculated or delete the account entirely for inaccurate reporting. 

XXXX. XXXX XXXX ( XXXX XXXX  ) Failure to Update Balance & Charge-Off Date Manipulation Issue : The reported charge-off date does not align with my records, suggesting re-aging to extend the negative impact longer than legally allowed ( FCRA 15 U.S.C. 1681c ).

Action Requested : Remove this charge-off due to failure to comply with accurate reporting laws. 

I am filing this complaint against Discover Bank for inaccurate credit reporting and failure to verify my correct address under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. The account in question is incorrectly tied to an address that I never resided at, which violates federal requirements for accuracy in credit reporting. 

I have disputed this issue with the credit bureaus and the creditor, yet Discover Bank has failed to provide proper documentation proving that this account belongs to me at the stated address. Since the FCRA requires that all reported information be accurate and verifiable, and since this account is linked to a false address, I request that this account be immediately deleted from my credit report due to failure to comply with reporting laws.
Product: Vehicle loan or lease

I would like to report Santander Consumer USA unfair and deceptive practices. They have participated in illegal repossession, Reporting a charge-off on my credit but told me it was not a charge-off, Fraudulent loans, and failure to comply with and disclose Truth in Lending Disclosures. I have reached out to them requesting documentary evidence. I have sustained damages from what they put me through and have struggled tremendously due to their actions. I am also requesting that they send me documentary evidence in accordance with 15 USC 44 which reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records, and without all of those the error is unable to be resolved to clarify what I believe to be a billing error of the finance charge. I have also filed a complaint with the Attorney General and will be moving forward with arbitration.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Someone compromised my Best Buy account and changed my password address and phone number Best Buy notified me by email. A {$900.00} drone was purchased and send to their address. Best Buy did a investigation and send me the tracking address where the item was delivered to XXXX XXXX XXXX XXXX XXXX Tx. XXXX. My address XXXX XXXX XXXX XXXX XXXX. I don't know anybody in Texas. I have the documents uploaded. After the investigation, they said that they delivered the item to me. and I was responsible for paying for an item I never received
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to verify the debt that they claim I owe for fingerhut I am currently paying fingerhut directly for my account and do not believe to owe them nor do I have any type of contract with them. The credit bureau has not done a formal investigation into my dispute as they do not request proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX major credit bureaus : XXXX XXXX, XXXX, and Experian. 
My legal name is XXXX XXXX, XXXX. I have submitted requests for confirming name from State Driver License, and Social Security Card confirming number. 
They are still refusing to carry my report as XXXX XXXX, XXXX. 
Most of the accounts on the reports, totals are incorrect as I have paid recent debts credit cards or personal loans over XXXX, and several account balances are wrong. 
The XXXX scoring methods are based on incorrect data and negatively affecting my ability to rent or Rent to Own, or Purchase a home or to get moved. 
I sold my home on XX/XX/2022 and immediately began paying off debt, yet most accounts are not being reported correctly. This is negatively affecting my Debt to Income Ratio which is extremely important to underwriters in the loan process. 
I am still living in the home sold, but paying market rent, which is currently exorbitant compared to my income as a Retired Single man. 
All XXXX are currently FROZEN until I can begin the process to correct all XXXX reports. 
When should I begin to remove these Freezes so, the corrections can be completed??
Product: Debt collection

ProCollect, PCI, is a collection company based in XXXX. I have been receiving phone calls from this company every week starting XXXX XXXX. The company would call and its an automated message. The automated message is set up for you to return the call. I honestly thought it was a scam. So, I rejected 98 % of the phone calls. On XX/XX/22, I received a phone call by an individual. On the XXXX, I called the phone number the individual called me from and entered the extension. On the phone call He informed me of the {$110.00} debt owed to my previous complex, XXXX XXXX formerly known as XXXX  at XXXX XXXX XXXX, for utilities. I hadn't received any information by mail by PCI or the complex. So, the individual informed me that he would be sending my invoice in the mail. So, I would have until the 9th to dispute the charges. Furthermore, I asked the individual if he could email me the invoice and he said that he was unable to email due to laws or something. I contacted XXXX XXXXt, on the XXXX and on the XXXX. On the XXXX, I emailed PCI and the complex with my proof. My proof is a check, I rarely write checks, cashed and I wrote on the check my last rent payment on the check. For years, I have done this when leaving a complex to indicate that I have spoken the manager on site and discussed my final bill including utilities. Before I sent the email, I tried to speak to a PCI supervisor on the phone because neither the individual or representative on any phone call could give me any information further and unwilling to send me to a supervisor. Then the representative informed me that since I hadn't received the letter yet, I had until the XXXX of XXXX. The last phone conversation I had with the company was at XXXX to inform me that a photocopy check with the words Last rent payment will not suffice. I told her on the phone to stop calling me and i'm not paying the debt and you can take me to court. 
I still hadn't received any email or phone call from XXXX XXXX on my email about the debt should be cleared. 
Today is XXXX XXXX and to date I still haven't received any information about this supposed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account is reporting to my credit file under XXXX as a secured credit card with a maxed out balance, open and always paid on time. This account is now paid in full, closed and always paid on time. Attached to this complaint is a copy of my last credit card statement from XXXX showing the account is now paid in full, closed and always paid on time.