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

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. 
According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor - XXXX XXXX XXXX ( Mortgage from XXXX XXXX ) Please change Status to CLOSED PAID IN FULL. BALANCE XXXX. I was part of the governments sanctioned forbearance plan and as a XXXX protected person I am unfairly being targeted by this additional statement by not being able to obtain housing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As you know, Equifax had a major data breach impacting up to 143M consumers. All information needed to ruin someone 's life was stolen. As soon as I learned about this, I took steps to protect myself though Equifax did not tell the public until months after the breach. I went to each of the three major agencies and placed a freeze on my credit and on my husbands ( with his permission ). I had to pay {$7.00} for each freeze resulting in a cost of {$45.00} ( two charges at each bureau ). I do n't feel I should have to pay this since I only did it because of the less than acceptable security Equifax had on their system. Not only that, but I will have to pay each time I need to apply for credit to have the freeze temporarily removed. I did not address this with Equifax because they have no way for a consumer to contact them except by mail. If they do have a way to contact them other than mail, it was not easy to find on their website. I would have to write letters, which is yet another inconvenience for me.
Product: Debt collection

Payments were paid but the hospital billing staff have yet to correct billing g error. All co pays were paid. However when I spoke with XXXX XXXX billing I was told that the payment was showed and issue would be fixed. But they have now forwarded a PAID bill to collections. Bill was paid in full on XX/XX/2019 2019
Product: Money transfer, virtual currency, or money service

Cashapp closed my account that I never used before
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXX XX/XX/2021 XXXX. XXXX XX/XX/2021 XXXX. XXXX  XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, CREDIT PLUS, on XXXX. XXXX, XXXX, XX/XX/XXXXand on XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a late payment on a loan that I was never late on. I reached out to them and ask them to please correct this with the credit bureaus as they had no proof of the account being late because the account was on XXXX and I paid it early every month even with it being on XXXX. This was not corrected. I was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. Please delete these alleged late payments from my credit report if you can not supply this. Per 15 USC 1666b a creditor may not treat a payment on a credit card/loan as an open ended consumer credit plan. Please update the payment history as PAANL status ( Paid as Agreed Never Late ). Its also showing late on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was lost and my identity was used to open different accounts in my name.I was notified by XXXX XXXX XXXX XXXX about suspicious activity to my account. Upon talking to them I was told about the actions of the perpetrators who was using my name they open a Affirm account they also open a XXXX XXXX  account as well as different telephone companies such as XXXX XXXX XXXX XXXX and XXXX XXXX I was contacted by different collection agencies and I also couldnt contacted XXXX and XXXX and XXXX with the knowledge that was given to me to the collection agencies also have accounts for XXXX And they also opened up telephone accounts with XXXX XXXX and XXXX in my business name I would like you to take a look at it is matter so we can get it resolved as quickly as possible to restore my name back to good faith
Product: Debt collection

Cherry Technologies has XXXX fraudulent accounts on my consumer reports. XXXX XXXX Charge off. Opened XXXX XXXX. {$120.00} This is Identity Theft I filed an Identity Theft Affidavit and Police Report registered notarized and signed mail received XXXX XXXX XXXX by XXXX, XXXX, XXXX, it still has not been removed. Please Delete both accounts immediately. On XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} Charged off and Act XXXX {$120.00} Charged off. Opened XX/XX/XXXX amount {$120.00}. Delete both accounts fraud. XXXX both listed Charge offs Act XXXX {$920.00} openXXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

transuion is allowing Inaccurate reporting on my credit report, especially when it involves unverifiable or fraudulent accounts, constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy in their reports. Failing to do so can lead to fraudulent actions, as consumers are misled into believing they owe debts that are incorrect or not substantiated. This situation, when combined with a supporting FTC Identity Theft Report, necessitates the immediate removal of fraudulent or inaccurate information. Non-compliance within the statutory timeframe ( 4 business days under 15 U.S.C. 1681c-2 ) could result in legal action seeking statutory damages, punitive damages, and attorney fees. 

attached are : ftc report credit report letter
Product: Payday loan, title loan, or personal loan

Discover bank has consistently and fecklessly engaged in practices designed to deceive and defraud. They include the following. 

1. Unrequested credit line increases! I have never once asked for a credit line increase yet I have received at least 5 from Discover over the years. I have received only 2 other in my lifetime and they were both from a credit card I have held since I was XXXX. 

2. Unrequested credit rate decreases - although this appears altruistic on the behalf of Discover it is yet another cleverly designed way for Discover to defraud and deceive. 
These decreases are generally a fraction of a percent, yet they lock the balance in at that rate for life and future payments and applied disproportionately to new balances and your lower rate. The higher rate from your previous balance almost never goes down and stays at the higher rate. The only way to escape this NIGHTMARE is to pay off the entire balance which most people can not. 

3. On Discover Personal Loans - their payment options are clearly designed to delay payments, confuse the customer obfuscate the true payment date. 
When you make a payment almost every other company in the world schedules the payment for that day, not Discover - they automatically schedule the payment for your due date, you have to manually enter a calendar and select a different due date. This causes payments to be delayed and Discover is able to collect more interest. Also they have a very very unique feature if you make an overpayment. You have to choose whether you want your overpayment to be applied to principal ( which does not lower your next payment ) or your can select to pay more on your next months total due. So, in this scenario you can either pay over and not reduce your next months bill, or you can make an overpayment and Discover will " Hold '' onto this until the next month, nevermind that you are still being charged interest. 

I have an impeccable credit score and have not a late payment in over 20 years until Discover Personal Loans came along and their system was able to confuse me long enough to make my first late payment in over 2 decades.

Discover is perpetuating a fraud against the American public plain and simple.
Product: Debt collection

I was never notified of the debt and was on a payment plan with the medical service provider to make sure this got paid on time. This is a nuisance collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2022. Til this day over 11 months later and I still have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 120 days so they should be deleted promptly. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e9b ) and 15 US CODE 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

This has cause me significant damage to my credit report and score and has blocked me from being able to pursue credit for my business and being able to provide for my family a better life. I am in severe distress and I need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. As a consumer we should be protected from companies falsifying information on our report and reporting incorrect info.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2014 its show 30-59 days late I traded my car in to XXXX XXXX XXXX in XXXX ,2014 and they made they paid my remaining balance off late I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried everything that I know how to do correctly, Still, TransUnion, XXXX and XXXX  will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX  ) I'M trying to get a better job & place to live but they, ( TRANSUNION ) ( XXXX ) ( XXXX  ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
Product: Credit reporting or other personal consumer reports

Company claims I owe them {$11000.00} for a vehicle loan that I never had. Please show me the purchase agreement bearing my signature along with copies of my identification stating I took out a loan for said vehicle. I claim Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint in response to the recent investigation. I do not agree with your findings, and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors or agencies that are reporting this information on my report, and because of this, I am now asking you for more information regarding these particular items in question : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I attempted to initiate an in-store transfer in the amount of {$700.00} and i was told that it wuld cost {$61.00}. I declined and went on the western union app which would only charge me {$16.00} to send the same amount. The online transfer was canceled by western union with the reason of a business decision and referred me back into the store to initiate the transfer. These practices appear to fall under the UDAAP regulation as it unfairly targets low income and XXXX  who may not have access to the internet. To quadruple the cost of the same transfer is definitely an abusive act. When I asked them to provide a promo code so that I would a pay a similar price in store I was offered a 50 % discount which still would leave me paying double the online price. Their payment options need to be reviewed so that certain communities are not adversely impacted.
Product: Credit card or prepaid card

On XX/XX/XXXX I accidentally rolled a XXXX XXXX XXXX over a XXXX foot embankment of the XXXX XXXX XXXX XXXX  while parking an XXXX XXXX car in a XXXX XXXX XXXX XXXX XXXX XXXX parking lot with no guard rail. The location is a popular tourist destination at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  near XXXX XXXX  XXXX in Washington, XXXX 

At the time of the accident the vehicle was traveling no more than 5 miles an hour where the lot abuts the canal. Because there is no guard rail or other barrier on this section of the lot, a car that moves beyond the end of a parking space will roll to the bottom of the canal if it is empty or fall into the water if it is full. Either outcome is likely to cause extensive damage to the vehicle and major bodily trauma and/or drowning to the occupants. Fortunately for me the canal was empty at the time, I was wearing a seat belt, and my air bag deployed. 

The XXXX claim report on the damaged vehicle is not currently available, because an inspection is needed on damage to the roof of the car, which flipped over, to determine whether it can be repaired. I estimate the cost of repairs be at least {$10000.00} and the cost of replacement to be at least {$20000.00}. 

BankAmerica ( BA ) /Mastercard ( MC ) refuses to pay an an XXXX damage claim for the vehicle and has locked me out of its online claim reporting system, because it reports that it terminated my collision damage waiver ( CDW ) coverage benefit on XX/XX/XXXX. 

BankAmerica representatives I spoke with on the phone on or about XX/XX/XXXX insisted that BA notified all beneficiaries of its intention to terminate the XXXX XXXX benefit in a mass mailing in XXXX, XXXX. I do not recall receiving that mailing. Even if I did, I have opted out of printed notifications and expect to receive information about my MC account via email. 

Also I have documented proof that on XX/XX/XXXX XXXX paid another damage claim to XXXX for an incident that occurred on XX/XX/XXXX. This payout provided me with the expectation in XXXX, XXXX that it would honor future XXXX claims as well. 

To date I have been unable to challenge BankAmerica 's decision to terminate my XXXX coverage in court, because it has not provided me with proof of the termination of the benefit, the date the benefit was terminated, and the method of notification. Also BA has not provided me with an explanation for why a benefit that terminated in XXXX was still in force on XX/XX/XXXX.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

DISCOVER BANK I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Credit card or prepaid card

On XX/XX/2023 I applied for a Care Credit line of credit. A soft pull was done and I was approved for {$7300.00} pending approval of the ID verification process. Once the ID process was completed I called in with a code I was given and at that time I was told I was denied. I requested to speak with the underwriting department to find out why and was told I had to wait to receive a letter. On XX/XX/2023 I received a letter stating data sources such as public records, phone directories or ss databases were checked & based on the results of those checks they were unable to confirm my identity with enough confidence to approve my application. I have had the same phone # for years, the same ss # for XXXX  years and until recently I lived at the same address for 12 years. I have a good credit score with all 3 bureaus as well as a 100 % payment history. Why was I denied????
Product: Debt collection

I recently submitted a complaint ( XXXX ) regarding this debt collector. The account that I am alleged to have owed has been resolved. I am no longer financially obligated to this account. As per my previous letter, for National Credit Adjusters to have standing to collect a debt from me, there must be a valid contract between your company and I. To my knowledge, there is no contract on file baring my signature that ties me to this debt. In addition, you did not disclose that I have the right under contract law to refuse to contract with you. Instead, your company relied on fraud by omission to induce me to pay. Fraud voids all contracts, implied or otherwise. As a solution to resolve this matter, I respectfully request that you remove/delete this information from my credit report immediately. If the account in question is not deleted from all three credit bureaus within 30 days I will have no other choice but to pursue the issue further and become a big thorn in your side! 
Original Creditor : XXXX XXXX Account # : XXXX NCA Account # : XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A collection was added to my credit report of a value was supposed to owe I disputed it several times with the credit bureaus and the debt kept coming back verified so I sent a despite letter to to company that Bought the alleged debt from the leasing company I'm supposed to owe and asked for the original contract, why the account is reporting that the account was opened on 2 different dates, the date last active has 3 different dates and no payment history has been reported they only document that was received was a account that I'm supposed to owe with none of the above items that was requested
Product: Debt or credit management

I subscribed with XXXX XXXX in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, and XXXX i was charged fee for all those year and nothing happened for my credit.