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

On XX/XX/18 XXXX received a credit report dispute, disputing items including two bankruptcies.I have documentation from the furnisher/bankruptcy court stating the court records and dockets are available via XXXX. I contacted XXXX  via email  asking how do they verify and they stated, " XXXX does not directly verify federal case information to third parties by phone, fax, or email. XXXX also stated that XXXX does the verification for public records. I called and they stated no one has called to verify not one public record on my consumer report and I also have paperwork for XXXX stating that they could not verify the two bankruptcy records that are reporting as negative on my credit report. XXXX has not done their job to accurately verify items on my credit report. Also, the FCRA section 611 states the furnisher of the information must verify. XXXX and TransUnion have also stated that they have previously " verified '' both bankruptcies reporting adverse on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX {$460.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX {$810.00}, XXXX XXXX XXXX  XX/XX/XXXX {$830.00}, XXXX XXXX XXXX XX/XX/XXXX {$870.00}, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$11000.00} DELETE ALL INQUIRIES AND ACCOUNTS
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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. Thank you. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a business account that is showing on my personal credit - it should not be reporting on my personal report and if it was going to be, someone should have sent to me what I believe is known as a dunning letter so that i can have the opportunity to address the information, edit, acknowledge or correct.     I have had this business account for quite sometime and it was never reporting on my personal report and now ironically it is, plus it is reporting inaccurate information.     For the record when a consumer uses business credit it has a totally different standard -- for example you are not penalized for using the credit, therefore if It had ever been reporting on my personal credit, or disclosed that it may be, I would have never used more than 40 % of the credit so that my credit score would not be impacted. This is unfair and is causing me great harm this account has caused my credit score to be impacted in a very negative way. Ihave never been late on this account and it is showing late and a higher than what is acceptable for personal credit and there is no way to differentiate between personal and business credit on a personal credit profile, and as i said earlier I was never notified of the addition. And anyone who knows me, know that i am  XXXX  about my credit and work very dilligently to pay everything on time and within the guidelines so that my score is never impacted negatively.
Product: Debt collection

I saw this pop up on my credit report in XXXX but i do not recognize it at all. I have reached out to the company as well as XXXX  and Equifax on XX/XX/21 to see whats actually going on. It has been 45 days and nobody has given me any answers as to whats going on. This is causing me stress and i thought it took 30 days or they had to delete it. Its causing my credit to hurt and i can't get approval i dont reconize it and nobody has validated it.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing in response to your claim that you have provided a debt validation for the alleged debt associated with my account. While I acknowledge that you have sent me documents related to my account activity, I do not agree that this constitutes proper validation of the debt. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I formally request that you provide me with the following : 1. Proof of Debt Validation A complete and detailed validation of the alleged debt, including a breakdown of the amount owed and evidence that you have a legal right to collect it.

2. Original Contract A copy of the original contract or agreement bearing my signature that establishes my obligation to this debt.

3. Charge-Off/Written-Off Status If this debt has been charged off or written off, I would like an explanation as to why it is still being reported on my credit report and why collection efforts are still being pursued. 

4. 1099-C Form If the debt has been charged off or written off, you should have issued a Form 1099-C for cancellation of debt. Please provide a copy of this document for my records. 



Until you provide the requested documentation, I dispute the validity of the debt and do not acknowledge any obligation to pay it. If you can not provide proper validation, I request that you cease all collection efforts and remove any negative reporting related to this debt from my credit report. 



Please respond to this request in writing within 30 days of receiving this letter. If you fail to provide adequate validation, I will consider further action, including filing disputes with credit bureaus and reporting any violations of my rights to the appropriate regulatory agencies. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXXXXXX XXXX  for Inaccurate Reporting and Failure to Provide 1099-C To Whom It May Concern, I am writing to formally submit a complaint against XXXXXXXX XXXX  regarding the inaccurate reporting of my account on my credit report. My account number is XXXX have disputed this account multiple times with XXXX, XXXX, Experian, and XXXX due to its designation as a " profit and loss write-off. ", Inaccurate payment history, and Inaccurate account status. Despite my efforts, XXXX XXXX XXXXontinues to report this account inaccurately without providing me with a 1099-C form, which is required for such a write-off. This lack of documentation raises concerns about tax implications and compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to dispute inaccurate information on my credit report, and I believe that XXXX has failed to fulfill their obligations in investigating and rectifying this matter. The continued reporting of this charge-off is not only misleading but also damaging to my credit profile. I request that XXXX immediately remove this charge-off from my credit report as well as the negative and inaccurate payment history until they can provide the necessary documentation to support their claims. It is crucial that my credit report accurately reflects my financial history, and I believe this accounts current status violates my rights under the FCRA. Thank you for your attention to this matter. I look forward to a prompt resolution. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account number XXXX, 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 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
Product: Student loan

mohela FSA XXXX not crediting pslf covid and other credit to loan wrong number of payments not refunding due money not properly crediting loans for borrower defense first borrower defense app XXXX XXXX schools numerous apps since then claim they dont have first XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX emails chats no resolution falsehoods and excuses
Product: Vehicle loan or lease

I have a family of XXXX. I have {$410.00} taken out of my paycheck every 2 weeks for health insurance. That's {$820.00} a month and since we get paid 3 times this month, it will be {$1200.00}. I do not receive government assistance, so I pay everything. I've made payment arrangements for my other bills and I have to buy for my family. I can not afford to make a full payment. Do you guys even know what is going on since your call center is in XXXX? 
I reached out to FLAGSHIP CREDIT ACCEPTANCE LLC for a deferment due to financial hardship. I was laid off as of XX/XX/XXXX. I called in to customer service at XXXX XXXX  XXXX requesting a deferment for my XX/XX/XXXX payment on XX/XX/XXXX. I explained to FLAGSHIP I did not have a job yet and would like to have a deferment. The next day I had collections from Flagship calling me for payment. I explained to the gentleman that I applied for a deferment and check his notes. Flagship collections stated nothing in notes, so he took my information to submit my request for deferment. I was denied on XX/XX/XXXX ( supposedly ) and email was sent to email address listed on my account. Now, I tried opening document to see this denial letter. It takes me to unsecured website and ask me to login with year of vehicle/zip code. I enter the information and receive an error message : login failed please try again. I inputted my physical and mailing zip code, no copy of letter. I spoke with their customer service 3 other times between XX/XX/XXXX thru XXXX, XXXX. I was told my deferment was denied because I did not have a job. I advised them that I was offered/accepted a job and was due to start XX/XX/XXXX, sooner if my background check comes back quickly. I was denied again. I called back XX/XX/XXXX, just started my job early due to background coming quickly and would like to resubmit deferment. Flagship wouldn't let me saying it was already denied 3 other times. So, I stated I did not understand. I was first denied because I did not have a job and needed a job for approval. Then, when I called back to inform then of my job offer/ acceptance ; I was still denied. I told them that I will not be able to make a payment until XX/XX/XXXX. I'm really frustrated with them, I just wanted a month breather to give me time to catch up. I've made arrangements for my other bills. I record my conversations with them.
Product: Credit card

Apple published {$200.00} offer on there website in XX/XX/2023 for everyone to take advantage on offers.applecard.apple by joining co-owner to get {$100.00} and receive additional {$25.00} each upto 4 family members. I currently hold Apple Card and followed the process completed all terms and condition. Later when I did not receive {$100.00} as advertised via apple customer support handled by Goldman Sach Credit card division. I was informed that promotion is not for everyone and it is only for invited via email. 

Misleading promotion was on apple website and clearly there was not mention of invitation only terms.
Product: Checking or savings account

On XXXX I attempted to make a {$1000.00} cash deposit into a Citi Bank ATM. The machine malfunctioned when i inserted the cash returning an error message stating it was unable to process my deposit or return my cash. The branch manager was only willing to share her machines report with the investigation team. I was told the investigation would take up to 45 days.This is a simple fix as the branch 's manager ( XXXX, XXXX XXXX XXXX   XXXX XXXX, Ca ) confirmed their machines cash count was over. I need my account credited ASAP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

You have had an installment account with XXXX XXXX for almost 42 months and have never missed a payment. They are showing missed payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again I have never missed a payment and they have as acknowledged that and have said they have contacted Equifax and told them to report as an I-1 with no missed payments.

Equifax has not done so.
Product: Vehicle loan or lease

I had to put down {$5000.00} down and I believe it wasnt added to the loan
Product: Debt collection

I attended a XXXX XXXX  XXXX presentation with my daughter in the XXXX  of 2024. During that time, I made it explicitly clear that I would consider signing up for their services but never agreed to or provided any credit card information. 

Despite this, I have been bombarded with phone calls, texts, and emails from XXXX. I have repeatedly informed them that I never consented to pay for their services and have not used them at all. Their persistent harassment is unacceptable. I have blocked their phone numbers, yet they continue to reach out to me. 

Recently, I received a notice from a company called " XXXX, '' claiming to collect a supposed overdue balance of {$2200.00} on behalf of XXXX XXXX  XXXX. Let me state unequivocally : I do not owe this amount. I have already emailed them to assert that I have no outstanding debt and demand that they cease all contact with me immediately. 

I refuse to allow these companies to threaten my credit for services I have never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against XXXX XXXX and Equifax regarding case number XXXX. As a result of my dispute regarding XXXX being listed as a " Mortgage '' on my credit bureau and requesting for this to be removed due to errors in reporting among other things I disputed regarding their abusive and bullying antics. 

My score as of XX/XX/XXXX was a XXXX according to XXXX as I have been watching it daily because I have been trying to fix my credit and purchase a home. 

Equifax and XXXX as retaliation for my dispute has tried to further damage my credit by reporting incorrect information. At this point this was done intentionally and willfully. XXXX XXXX XXXX  are used to ruining peoples credit and Lives with the Pyramid Ponzi schemes they have been allowed to get away with for years. They know if they report this loan as a " Mortgage '' it will FORCE people to pay when all along they would never ever be able to have access to the Resort. They also know how much damage this can do on my credit report. This was already reported negatively on my credit in XXXX when I stopped paying and listed as a charge off. As a result of " Equifax Supposed Reinvestigation '' they made it appear on my credit I paid 100 % of my payments i missed 1 payment it went from a charge off status to 180 days late. It dropped my credit XXXX points and at this point I a convinced it was intentional. How is this even legal? I filed a complaint with the FTC for the initial case XXXX but I am filing a complaint for this case as well, this is extortion. XXXX and Equifax should be charged with Racketeering cause this is outright dishonesty. 

I have not made a payment to XXXX XXXX since XXXX and for the record I WILL NEVER PAY XXXX ANOTHER COIN. In turn for me disputing this account with the CFPB Equifax updated the file and posted I had 100 % on time payments when in fact I haven't paid XXXX since XXXX and they have listed as 1 missed payment to purposely drop my score. Disputing an account with the CFPB and credit bureau I should not be retaliated and abused by XXXX. My credit should not be damaged cause they already reported this account years ago negatively. Now they rereport cause I disputed the account? How is that possible? I want answers NOT A COMPUTER GENERATED GENERIC ANSWERS EITHER. They are in clear violation of the FCRA how is this Fair and Accurate Reporting? My credit has dropped XXXX points because I disputed an account that was already negatively reported years ago. They marked it as a charge off then a changed it to 180days late when they keep flip flopping to make it harder to attain any credit. I attached proof XXXX and Equifax intentionally and willfully damaged my credit and are well aware I am in the process of trying to rebuild it.
Product: Credit card or prepaid card

Recently, I attempted to purchase a XXXX gift card on Target.com using the Target REDcard credit card issued by TD Bank USA N.A.. I have done this numerous times in the past with no issues. The order went through and a few minutes later I received an email indicating that the order was cancelled but did not specify why. I called XXXXD Bank ( XXXX XXXX XXXX and was told the issue was with Target.com. I was transferred to Target.com and was told that there was a glitch in the system and that it would be corrected within 15 minutes. I tried again 1 hour later and the same issued occurred. I called back and the two Target.com orders {$1400.00} were cancelled indicating a {$0.00} transaction. I was told that I needed to wait overnight for the system to clear out the transactions. It is now 3 days later and Target REDcard still shows the transactions as pending although they have been cancelled. At this time, I can not make any purchases until these items are cleared out. My total credit limit is {$2000.00} and I had a {$240.00} balance. 
I have called Target REDcard and requested an increase in my limit but they have been unable and/or unwilling to clear out the cancelled orders. This is not a major issue. I felt compelled to file a complaint due to my frustration with this issue and the customer no service provided by Target REDcard.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 accounts without my written instructions.
Product: Debt collection

My first attempt was through disputing my credit account with XXXX and XXXX and XXXX did delete the account but XXXX verified as accurate. Then I called directly to COMMERCIAL TRADE INC to tell them it was an inaccurate charge and they said not according to their company so they sent me all the unpaid invoices. So I called back and asked them to show me proof of me authorizing that work and that's when they didn't have nothing to say. 
This is a false account and Commercial Trade INC knows it and XXXX. I am here to submit this report so XXXX can know it as well and delete it off my account.
Product: Checking or savings account

Bank America listed me in XXXX & XXXXXXXX XXXX XXXX due to fraudulent activity when I have not opened an account with them. I also discovered bank inquiries under my name that I never permitted or signed for
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO scores for the last 3 months have substantially declined, for instance : Experian : XX/XX/XXXX FICO XXXX ; XX/XX/XXXX FICO XXXX ( -90 pts ) XXXX : XX/XX/XXXX FICO XXXX ; XX/XX/XXXX FICO XXXX ( -42 pts ) 1. Experian reported that I had " Serious Delinquencies '' : I have no delinquencies. 
2. XXXX  said that I had " Too many missed payments '' .In the past 5 years, 1 payment was incorrectly reported as 30 days late. ( But the payment had actually been paid and was not filed due to the creditor 's computer error. ) 3. My Annual Credit Report showed my accounts since XXXX with green check-marks monthly ( paid in full ). What serious delinquencies? 
4. FYI : 5 of my credit accounts substantially increased my credit limits based on my history of regular payments. ( I did not request any credit limit increases ) 5. I respectfully request that the credit reporting companies re-examine my credit reports. Tell me specifically what are the negative accounts and I will get the information corrected. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payments and updated balance have not been reported by XXXX  to any of the XXXX major credit bureaus, from XX/XX/2022 to present ( XX/XX/2022 ). 

Correspondence is attached below, and dated XX/XX/2022.