23daVinci/CFPB_Complaints huggingface dataset:
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 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$8200.00} XXXX XXXX Balance : {$8200.00}
Product: Debt collection

I received an email from a third party debt collection agency stating I owe XXXX {$190.00}. I do not owe them anything because I informed them before leaving to basic training that I would be joining the military. They tried to persuade me to move the services to a family member address but I informed them I do not trust that the bill will be paid. They told me to email my military orders which I did on XX/XX/2023. I left for basic training XX/XX/2023 and XXXX XX/XX/2023. From there I went to A XXXX XXXX XXXX my job in the military from XX/XX/XXXX, XXXX XX/XX/2023. I arrived at my permanent duty station in XXXX, California XX/XX/2023. I would like the balance to be explained as to how I owe when I did not have a permanent residence to set up services. This is absolutely ridiculous sending someone to collections when I clearly do not owe them anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX amount XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX Yes, these are accounts that is on my consumer and credit report. That's violating my FCRA rights. The company says they investigated but the information came back verified but that's false because I didn't give them permission to furnish anything on my consumer or credit report. I have provided numerous of police and fraud and FTC reports, but nothing is working. Please advise them to delete this off my credit report ASAP or I will be taking legal action. Also, the address that's been reported is also fraudulent. I never lived at the addresses. That's been reported.
Product: Money transfer, virtual currency, or money service

Current bank Someone made an account using my information and have contacted them multiple times to get account closed. They state it is closed and already sent me proof, but I have received nothing. I have never once been told anything about how the account was made or that it is fraud and how to move further. They refuse to help me on the phone and just state that its already closed and they already sent me proof and theres nothing more they need to do.
Product: Checking or savings account

A {$27.00} debit card transaction to XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX EDT has caused a {$34.00} insufficient funds fee yet before making that purchase I had {$20.00} available in the account and I transferred over {$5.00} from another account via XXXX which caused me to be {$1.00} and a few cents overdrafted which is well under the {$5.00} limit according to Chase 's overdraft fee regulations
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

If, after any reinvestigation after paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

I sent out validation letters to the 3 credit bureaus ( XXXX, XXXX, TransUnion ) to verify the following accounts below. The credit bureaus sent letters verifying all information on the reports. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate XXXX reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX - 'Date Reported " is inaccurate XXXX reports XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX The account has already been deleted by TransUnion due to these inaccuracies but XXXX & XXXX have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. 


Account : XXXX XXXX XXXX  XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on all 3 bureaus XXXX reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX TransUnion reports : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. 


Account : XXXX XXXXXXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on all 3 Bureaus XXXX reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX TransUnion reports : XX/XX/XXXX - 'High Balance ' is inaccurate on all 3 Bureaus XXXX reports : {$0.00} XXXX reports XXXX {$520.00} TransUnion reports XXXX {$1300.00} Attached files to show inaccuracies are from XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account info Account name XXXX XXXX Account number XXXX
Product: Debt collection

The below collection agency is providing false information regarding an old account that was closed and charged off in XXXX. The dates of the charge off is incorrect, the amounts are incorrect, the reason for the debt is incorrect and the aging dates are incorrect. 

The agency is reporting the old debt as new on my credit report and updating the report each month. In addition to the credit report update the agency is sending offers letters to my home address. 

I have disputed this account several times. Each time I dispute, the agency update the date the debt is expected to fall off my credit report to a later date. In doing this, it's affecting my debt to income ratio. I've tried to resolve this issue with the credit bureau and collection agency and have been unsuccessful. 

Debt was expected to be removed from my account XX/XX/XXXX and have now been updated to be removed to XX/XX/XXXX Radius Global Solutions XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the mortgage account XXXXXXXX XXXX XXXX XXXX - XXXX. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information.

I recently reviewed my credit report and noticed inaccurate information related to this account. I believe this inaccuracy is adversely affecting my credit report. I request that you reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Furthermore, you are reporting a late payment on this account for XX/XX/year>, which is incorrect. I was not late on [ month, year ]. I request that you verify the information and update the payment history on this account as " PAID, NEVER LATE '' immediately. 

Please send me the results of your investigation and an updated credit report reflecting any changes via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

Experian XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX A XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

2819
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts on my Equifax credit report, both from XXXX XXXX. I discovered who the person was that opened these fraudulent accounts and got a police report from XXXX XXXX Police in CT. I followed FCRA 605.b to the letter and provided Equifax with all the needed paperwork. 605.b is clear that the info should be removed within 4 days. It has not been. Every time I call the XXXX  call center WILL NOT transfer me to the American office as I request. I am now receiving daily e-mails from Equifax, saying if I pay for their services they can help me. Clearly they are intnetionally violating the FCRA in an attempt to extract money from me.
Product: Vehicle loan or lease

In XXXX of XXXX I purchased a used XXXX XXXX XXXX XXXX and got a car loan with Prestige Financial. The loan was for XXXX. We have been paying the loan payments on time never late since this time ( XXXX ) our balance currently is XXXX. We have made 19 payments yet the loan has gone down only XXXX dollars. We were promised a lower interest rate from Prestige if we paid on time which we have yet they have never applied the whole amount of the lowered interest rate. When we call in to inquire they mention all of these fees that we didnt sign up for but will never give us a detailed explanation of the fees. Our interest rate is high as we had just gotten discharged from bankruptcy, I understand that but this is above and beyond the huge 30 % interest. We are struggling to make the payment every month and the fact that all our payments are not making a dent in the balance is very frustrating. I got a letter in the mail from the auto loan company asking us to sign a form saying we believed their numbers were correct because they were being audited. I didnt fill out the form because the numbers are not correct. Also the numbers on the form are completely different from the numbers on my online account. Im hoping you will look into this as none of it adds up.
Product: Debt collection

I have asked Doctors Business Bureau to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Student loan

Navient is unable to prove who owns my student loan ( XXXX XXXX XXXX XXXX XXXX issue recently seen in the media ). They have been collecting regular payments from me since XXXX XXXX, and over half of the payment amount goes toward interest. If myself or my loan servicer ( Navient ) does n't know who my loan belongs to, how do they know how and where to allocate the money they collect from me every month? They are collecting interest illegally.
Product: Debt collection

They are calling my job my parents number and other family members telling them that a claim was issued aganist me and do they know of my where about using a robotic dialer. I have spoken with them and they refuse to give me any information in regards to what it is about unless I provide my ss number.
Product: Payday loan, title loan, personal loan, or advance loan

I am a covered borrower under the XXXX XXXX XXXX, as defined in 32 C.F.R. 232.3 ( g ) ( 1 ). Entering XXXX XXXX on XX/XX/2007, and serving. 

On two Upgrade loans, payments were rolled over this extends the terms, and more interest is charged. At no time is the interest rate allowed to exceed the XXXX XXXX OF 36 %, pursuant to 10 USC 987. 

Upgrade Inc., violates the MLA in ( 6 ) separate ways : ( 1 ) charging interest above the 36 % statutory rate cap for the Military Annual Percentage Rate ( MAPR ) ; ( 2 ) failing to provide any required MLA Disclosures before I signed for the loan ; ( 3 ) failing to verbally explain the MLA, which is prohibited by the MLA ; ( 4 ) Failing to include fees and prepaid interest paid to them within the MAPR calculations ; ( 5 ) Having an unknown attorney obligate the terms and sign for me in these loans issued to upgrade by another lender. ( 6 ) rolling over loan payments that extend the terms and charge more interest. 

According to information and belief, all Upgrade Inc. loans exceed 36 percent MAPR. Upgrade failed to include a Loan Origination Fee/Prepaid Finance Charge ( Paid to Lender ) in two of its loans to me. Processing fees are included in the MAPR calculation. Due to this, my loans exceed the MLA 's statutory rate cap of 36 percent MAPR. In addition, Upgrade Inc. loan documents are signed without my knowledge or authority by an unknown attorney. 

I am a Covered Borrower, subject to the MLA protections and limitations. A covered borrower is a consumer who, at the time becomes obligated on a consumer credit transaction or establishes an account for consumer credit, is a covered member of the armed forces or a dependent of such a member ( as defined in 32 CFR 232.3 ( g ) ( 2 ) and ( g ) ( 3 ) ). 

Upon my reasonable request to Upgrade management team to come within the Law, Upgrade failed to act and refused to act on grounds generally applicable to a Covered Borrower. This was in violation of the MLA pursuant to 10 USC 987. Therefore, these loans are legally invalid and void from their inception. 

Military annual percentage rate or MAPR is the cost of consumer credit expressed as an annual rate and shall be determined according to 232.4 ( c ). Moreover, computing the MAPR in closed-end credit shall be calculated following the rules for calculating and disclosing the Annual Percentage Rate ( APR ) for credit transactions under Regulation Z based on the charges set forth in paragraph ( c ) ( 1 ) of 32 C.F.R.232.4.

Any Upgrade Agreement with an MAPR greater than 36 percent is void. They must be rescinded with a refund of all amounts paid by me to Upgrade.

XXXX XXXX XXXX XXXX TIL APR 30.74 % MAPR Is 35.785 % with the three-rollover payment the MAPR becomes 39.124 %. See Exhibit # 1 attachment for evidence. 

Loan XXXX # XXXX TIL XXXX is 34.48 % and MAPR is 39.6 %. With the XXXXhree rollover payments the MAPR is 40.466 %. Rollover payments are illegal under the MLA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, Account # XXXX, ( Date XXXX  ), XXXX Card Services, Account # XXXX ( Date XXXX  ) and XXXX XXXX XXXX Account # XXXX ( Date XXXX ) which was disputed by me and has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Checking or savings account

I have not had access to my online account for 3 months. I have called at least 4 times from the number given to me by TRUIST. However, every time l, they do not pick up for an hour and then say that they are not the correct department. Even though its the direct number from an email sent about the locked account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Debt collection

Im in the process of buying a home, and searching my credit bureau I found a collection debt not belonging to me. I contacted the debt collector and verified I was not the correct consumer owing the debt and they agreed. I requested an email for my lender, clarifying the error, and they rudely responded they will not do that. I am not in their computer, nor am I customer. The then stated to figure it out with the bureau and hung up. They have knowledge of the account not being mine, yet they updated the large debt a few days ago on my credit report as being my debt. This erroneous or fraudulent report has caused my score to drop drastically, as well as halt my home loan completely. All my lender needed was an email stating that in fact it was not my debt, and they could continue the process. They knowingly pushed me away, after negatively reporting on my credit, and refused to correct the issue or attempt to make it right, and prevent me from suffering further undeserving derogatory credit. Without the debtors letter confirming Im the victim, I have no official proof or documentation to show the bureau and have it removed. Its in my opinion bad business practice to report erroneously on ones credit, and turn their back on the innocent victim instead of admitting the mistake and correcting it.
Product: Vehicle loan or lease

I entered into this loan agreement with the promise of loan terms that were not upheld by the lender and feel that this contract was breached. From the very beginning, the dealership pressured me into this car with false advertisement ads on XXXX that were less than what the car cost. They also reinsured me that if I stretch the truth on my financial situation with the loan application, then I 'll be able to drive the car home no problems and that people do this all the time. They told me that my payments would be high for a little bit, but if I just made three monthly payments, then I would have about half of a {$400.00} a month car payment. The sales guy really sounded genuine and I honestly believed every bit that he was saying to me. I guess I give people too much credit sometimes, ugh. Anyway, Three months past and there was no way in heck that I would be able to refinance in my situation with a recent chapter XXXX bankruptcy and all the negative remarks on my credit. I ended up losing my job due to my XXXX status and worsening symptoms from military service. I started to get behind on payments and I had paid {$5000.00} toward this car without even denting the total. I told the lender : XXXX XXXX XXXX, that I had become XXXX XXXX and I could n't afford the vehicle right now. They were not very understanding and continued to call constantly at least times a day. They even called my Step-dads work non-stop! This harassing behavior lasted for months and never went away. I finally had enough of the car, XXXX XXXX dealership and XXXX XXXX XXXX I told them that this loan was based off false advertising, unfair lending terms, and ultimately a breach of contract due to misinformation and information withheld. I decided to voluntarily hand over the car to the lending company. Now I 'm faced with a repossession on my hands from a very bad set of companies who swindle people out of money.
Product: Debt collection

On XXXX XXXX and XXXX XXXX, XXXX I sent Franklin Collection Service a request for validation of an account they say I owe from XXXX XXXX XXXX. Franklin Collection Service has not respond to both request for validation. Franklin Collection Service placed this collection on my XXXX, XXXX, & XXXX files in XXXX XXXX.