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

I am writing to you as the holder of account number XXXX XXXX XXXX for my loan, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX, XXXX  I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter.
Product: Credit card or prepaid card

In late XXXX and early XXXX, XXXX XXXX, an internet entrepreneur who I trusted and followed, recommended an online money-making program called XXXX XXXX to his followers. It was run by XXXX XXXX and XXXX XXXX of XXXX XXXX. After watching a presentation, I purchased the program for {$990.00}, along with a monthly subscription fee of {$97.00}. There were promises made of easy money. XXXX XXXX was a software program that worked inside of your internet browser and showed textbooks that you could buy on XXXX and then sell back to XXXX at a profit in the form of gift cards. It seemed to work well enough at first. The company then upsold a product called XXXX  XXXX at another monthly fee of {$97.00}. The software was supposed to show you books you could purchase on XXXX and then resell through XXXX XXXX ( XXXX   XXXX  XXXX ) at a profit. The company also sold " done for you lists '' of books that they promised would make at least four times profit at a monthly cost of {$250.00} per list. They said that the lists were rare and only so many were available. I naively bought four of the lists each month at a cost of {$1000.00} for a couple of months. I struggled to make the money back that was promised. I eventually quit the program due to the high costs involved in XXXX/XXXX XXXX. In total, I paid over {$4000.00} to XXXX XXXX for these programs and software. I have invoices that I printed from them totaling {$4200.00}. These costs were all paid for using two different Chase Bank VISA cards that I still have. I was only able to supply one credit card number in your form, but I used two different Chase Bank VISA cards for the purchases. 

Recently, I received an email from a company called XXXX XXXX with a link to an article entitled : XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). I wasn't even going to read the message and when I did I felt sick. It became clear to me that there was a reason that I had not made the money promised by XXXX   XXXX and XXXX XXXX. It actually makes me angry that XXXX XXXX passed along bad data to the XXXX XXXX businesses once XXXX XXXX found out that their data was being stolen. Then that bad data was passed along to me by using XXXX  XXXX XXXX tool. As you can see from comments online and information at the XXXX ( XXXX XXXX XXXX XXXX- XXXX ) a lot of people were mislead by XXXX XXXX. I also purchased a coaching program from them at a cost of {$990.00}, but after recently contacting XXXX about the situation, they were kind enough to refund this amount to me. I contacted Chase Bank about the other $ 4,000+ charges paid to XXXX XXXX in the hopes that they might be able to refund me as well, but they would not do so. For this reason, I am filing this complaint with you. I do not understand why XXXX refunded my money when I explained the situation to them, but Chase will not do the same for me, since this was a scam. I am hoping that you can help. 

I also filed a complaint with the FTC regarding this company, as I am still getting additional emails from them for new products they are peddling. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit card

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Product: Vehicle loan or lease

The car was repossessed after I spoke to someone in XXXX of XXXX after I lost my job. I was reassured that if I made a payment, I would be fine so I went ahead and made a payment and a few days later, my car was repossessed. They told me in order to get it back, I would have to pay the full {$23000.00} for the vehicle. They then sold it in an auction for {$11000.00} and now requesting that I pay the remaining balance of the vehicle. This is preventing me from getting another vehicle and ultimately am being denied everywhere for everything.
Product: Credit reporting or other personal consumer reports

There are several errors on my XXXX and TransUnion credit reports. on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a co-signed loan for my niece. She paid off the loan in 2020. They removed the amount 3 times in her bank account and refunded once. NMAC told her they had recently switched to a new payment system and there was an error on their part, they would get it corrected. My niece had to pull her bank statements to show where the payments had been made and they finally corrected the mistake. When I pulled my credit report on XXXX, they had reported that the payment was 60 days passed due and it has pulled my credit score down. I called the customer service number and they denied that they even reported to the credit bureau and there was nothing showing on their end to even report as late. They refused to correct the inaccurate information and when I explained that I needed that in writing they refused again. The first customer service rep. was XXXX ( refused to give any more info ) He also said there was no manager there and refused to give corporate info. The second was XXXX and when I explained I would like to record the conversation since they would not give me anything in writing, He refused also. I called XXXX in the corporate office after having to XXXX the number and she suggested at first to transfer me back to customer service, I explained the responses I had already gotten and then she suggested that I call the dealership where we purchased the vehicle originally, I called and XXXX ( manager ) said there was nothing they could do, they had nothing to do with Nissan 's finance dept. I went back to my credit report online and clicked on the link to dispute this.
Product: Debt collection

XXXX XXXX contacted me regarding a charged off XXXX. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to Winn Law Group is paid. I contacted XXXX XXXX at Winn Law Group and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an XXXX account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that Winn Law Group validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed XXXX was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from XXXX, NC in XXXX at which time Best Buy sent a new credit card to the tenant living there. They went on a shopping spree to the tune of {$5700.00}. I contacted Best Buy Fraud and they took forever to investigate and get to the bottom of what happened. I have proof that I was not even in NC when and where the shopping occurred, I had already moved. I finally received a letter from Best Buy dated XX/XX/XXXX after numerous follow ups, stating that the investigation proved the charges were fraudulent. Best Buy claimed that my status was resolved with XXXX, XXXX and XXXX, and to allow 60 days for their records to be revised. 
In the meantime I continue to get threatening statements/letters from XXXX XXXX XXXX, XXXX.Account # XXXX, requesting payment. I tried to call them several times to tell them about the Best Buy letter and to find out where I could send a copy, but they insisted that would not resolve the problem. I also discovered that this is showing up on my credit report. Is there any way for you to resolve this with XXXX? I would be happy to forward the letter from Best Buy that clears this insanity.
Product: Debt collection

I am writing in response to the debt collection attempts made by LVNV Funding LLC. After reviewing my records and the circumstances surrounding this debt, I assert that LVNV Funding LLC is unlawfully attempting to collect this debt, as it was not the debt collector originally assigned to my account under Texas law. 

Under the Texas Debt Collection Act ( TDCA ) and relevant federal regulations, it is required that a debt be assigned to a proper and lawful debt collector. The attempts to collect this debt by your company are in violation of these requirements, as you have not been properly assigned to handle this debt.

As a result of this unlawful collection attempt, I request that the debt be immediately discharged and any negative information related to this matter be removed from my credit report. The improper assignment of this debt renders any collection attempts invalid and unlawful, and therefore, this debt should no longer be pursued or reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. 

These companies include : XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bankcard Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a collections account from an agency that was filed in error as I have a legal payment arrangement with the creditor and paid them before the deadline to avoid collection activity on my credit. They are refusing to remove this fraudulent activity from my credit and its effecting my score incredibly Creditor : DIVERSIFIED Acct : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly an account balance on the XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account has been paid. I have attached a copy of the letter from XXXX XXXX XXXX dated XX/XX/2019 stating that this account has been settled as of XX/XX/2019. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX  XXXX XXXX fraudulently processed loans on my behalf.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer, I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal regarding reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of 18 or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school. Based on the said laws & codes I exercise my rights as an consumer because my personal information is being used unlawfully.

The reporting of this account as a debt is unlawful. As well as sharing or selling my personal student loan info per the The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this accountss under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX  XXXX. XXXX. Please correct and update.
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 Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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. XXXX XXXX XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card

I am getting extremely frustrated with grain technology. This companys app does not work and now they have reported me as delinquent on my credit. I am unable to pay via card, Im unable to change my bank information. It is almost impossible to make any type of a payment with this company. They do not respond to you and I have reached out to them dozens of times. Currently, Im trying to make a payment on their pathetic app, and I click on the pay now button and absolutely nothing happens, they keep on telling me that they sent deposits to my bank, my bank has never received them. And now they are damaging my credit by saying Im 150 days delinquent when Im unable to even do any type of business with them. This is an absolute scam with this company.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX with a balance of {$5900.00}, XXXX XXXX with a balance of {$1000.00}, XXXX with a balance of {$990.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of {$8000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22 I obtained my credit report from XXXX  I noticed that there are XXXX fradualent inquiries on my credit report. I contacted XXXX to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written Instructions to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX XXXX XXXX