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

I am writing to address significant discrepancies I have identified on my credit report regarding the XXXX XXXX XXXX account. It is imperative that you promptly remove this entry from my records to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit reports from XXXX, XXXX, and TransUnion, I have noted several inconsistencies related to the XXXX XXXX XXXX account. According to the official Deficiency Statement Balance obtained from XXXX XXXX, the balance on this account is {$0.00}, whereas you are reporting a balance of {$17000.00}. Additionally, I found disparities in the reported account open date ; you indicate XX/XX/XXXX, while Transunion report XX/XX/XXXX. Furthermore, you state the Date Last Active as XX/XX/XXXX, whereas Transunion shows XX/XX/XXXX and XXXX XX/XX/XXXX. The Last Payment date you report is XX/XX/XXXX, whereas Transunion and XXXX XX/XX/XXXX. I have highlighted these discrepancies in yellow in the document enclosed. 
Enclosed with this letter, please find a copy of the Deficiency Statement Balance from XXXX XXXX and a copy of my credit report illustrating these discrepancies. 
XXXX XXXX XXXX  TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Lease Lease XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$17000.00} {$17000.00} {$17000.00} No. of Months ( terms ) : XXXX XXXX XXXXXXXX XXXX XXXX : {$30000.00} {$30000.00} {$30000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Merchandise was taken back by credit grantor/there XXXX be a balance due. Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inaccuracies are materially impacting my credit score and financial standing. Therefore, I insist on immediate action to completely expunge this account from my records. 
I request the following corrective measures : Complete removal of this account from my credit record. 
I expect your prompt attention to this matter and respectfully ask that you provide me with a complimentary copy of my updated credit reports once the account deletion is finalized. 
Thank you for your cooperation and swift resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong date of birth, and wrong addresses, and also wrong phone number, and all bureas are saying my consumer report is accurate and verified which is wrong correct information on all three reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA. XXXX work : XXXX XXXX XXXX XXXX
Product: Consumer Loan

XX/XX/XXXX my XXXX year old father got XXXX into renewing his lease on a Nissan Altima that was about to expire and the local Nisan dealership contacted him with a year end leasing deal on a XXXX Nissan Altima without taking into account that he was only driving XXXX miles a year. As soon as he drove the new ( the XXXX 's were already being sold ) off the lot he lost about {$2500.00} which was not accounted for in his lease. I took over his finances in XXXX as he was diagnosed with XXXX and tried to renegotiate or get out of the Lease which was for 39 months at {$410.00} per month and allowed XXXX miles. 
Nissan Motor Acceptance would not negotiate and said even if he could not drive due to his XXXX he was liable for the full amount of the lease. So we sucked it up and paid it for 39 months and turned it in with XXXX miles or XXXX % of his available mileage. The car had a small XXXX inch tear in the front bumper cover which Nissan claimed as chargeable wear and tear and they also wanted {$390.00} for a disposition fee and would not budge on both despite repeated calls and E-Mail complaints to Nissan Motor Acceptance about the charge totaling {$950.00}. After sending only XXXX statement with a due date of XXXX XXXX XXXX they sent this to a collection Agency on XXXX XXXX XXXX instead of negotiating with me a reasonable settlement based on the low miles on the vehicle. 
I would be willing to settle this for {$250.00} as my Dad is now XXXX and in an XXXX and does not have much money left.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed that my charged-off XXXX XXXX XXXX credit card was too old to still be on my credit report and should be removed. According to Experian Report Number : XXXX, Date Generated :XX/XX/2021, the results state that this tradeline should only remain on my report until XX/XX/2021. It's now XX/XX/2021, and it's still showing on my credit report. Unable to file updated dispute with Experian as they says its too recent from the last dispute. Please assist! I want this negative tradeline removed from my Experian file.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct these immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 think cash app incorporated is a real joke. However l do not believe that financial products are a joke so I've decided to do this to just see what these bozos think about me and using this relatively new consumer watchdog program we got going now.. Cash app has bottom line just stole my money. Any fractional shared, Bitcoin and money from all my accounts l want it back now. I want it sent by check or money order to me now. My social security no. Is XXXX my date of birth is XXXX. That's the bottom line send it to XXXX XXXX XXXX XXXX XXXX Tx XXXX. All of it and now plus IAM looking forward to joining in the current action lawsuit against these losers in the next couple of days.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts related to my credit file, as outlined below, be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and I believe the following accounts listed on my credit report are a result of unauthorized access. 
Accounts : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$41000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$41000.00}
Product: Debt collection

Harris and Harris in XXXX illinois listed multiple accounts as in collections on my credit report. On XXXX I called to resolve the accounts. They told me I owed different amounts than what they have reported. They also told me one of the accounts they have no record of and when I told them to have it removed they told me its not their problem and I would have to get it removed on my own.
Product: Credit reporting or other personal consumer reports

This complaint is against XXXX XXXX, employee of Movement Mortgage. Movement Mortgage is a company whose headquarter is at XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

XXXX XXXX pulled my credit report without my written consent, even after I explicitly told him I do not want to proceed with my loan application.
Product: Credit card

My balance was paid for my XXXX billing cycle, like every other balance so far this month they decided to charge {$30.00} in interest and then could not explain to me why over the phone for over 50 min and eventually told me they would just have someone call me back
Product: Credit card

For at least a year or longer, Macy 's has messed up the accounting on my credit card, which I 've had for well over a decade. I just tried several times to reach it at a so-called customer service number ( XXXX ). It is impossible to reach anyone there, as there are numerous phone loop recordings at that number. Among other things, Macy 's lowered my credit limit, allegedly because XXXX provided it with a false credit report. It should have gotten a ( partially ) corrected copy of it by now, as I asked XXXX several times to provide one. However, throughout the last year, Macy 's continued with numerous, habitual errors, even after I called several times to correct it and was told that it was corrected. For example, it habitually mailed checks for balances on my account, then treated my account as though I cashed the check with the credit balance when I did not. I would call Macy 's about this, with little to no avail. Macy 's continued to show less on my account even when I had overpaid it and had a balance on it, with the difference explained by a lost or uncashed check, often one that I 'd told Macy 's about. Then when it received no additional payment, it charged me phony late fees. I would call to have that corrected and often was told that it would be when it was not. One example appears to be a {$2.00} charge from XXXX XXXX, 2015 that I should not have. Add to these problems ( of claiming that uncashed checks eliminated credit balances, then using that to charge illicit fees ), as is the case today, no one can be reached at the numbers printed on bills, so there is no way to verify even the false balances Macy 's has been attributing to me throughout the last year or longer. As I write, I just heard a recorded voice tell me that my balance was {$73.00} and change, but I have little idea of what explains it, since I have not gotten a bill and can not reach anyone at their so-called customer service center. I have not gotten a bill from Macy 's in months and can not reach anyone there to discuss this and other problems. I should not have to roll dice to decide what to pay Macy 's, if anything, but that is what I am having to do.
Product: Debt collection

I have an amount of {$2600.00} listed from Vance & Huffman LLC for XXXX that I never had. This is not my account and was illegally placed on my credit report for collections
Product: Vehicle loan or lease

I financed a vehicle XX/XX/XXXX purchase price of approximately $ XXXX, today XX/XX/XXXX when asking for a payoff amount they are telling me its approximately {$26000.00}, which doesnt make sense since my payments are {$650.00} total paid to date {$7800.00}. While attempting to use car as a trade in to get newer vehicle car lots are having issues because they are saying the payout isnt correct since to date with pay off would be approximately $ XXXX more than what the vehicle was sold for. Im not understanding why the payout is more than the purchase price when I have paid close to $ XXXX this last year. Please help. Exeter claims thats correct however 3 different dealership wont touch the loan or transfer until its corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through XXXX I obtained my Experian and XXXX Reports, but then XXXX refused to provide their report to me and made me call their call center. After several attempts I got through to their call center and they immediately began trying to sell me a subscription and to sign up for their company 's service directly to get my credit report instead of providing it free through XXXX as required by federal law. 

They are now running a scam, whereby they refuse to provide the report as mandated by law, forcing you to call their customer service number, which is a call center in XXXX or XXXX where you can hear all the other people on the phone in the background. They then attempt to sell you a subscription or to get you to sign up directly for their service, by-passing XXXX 

I spent a half hour on the phone, provided a tremendous amount of information, and they still wouldn't unfreeze my access. They did provide me with a CS phone number for XXXX, but it only has 3 options and none of them are to speak to a person for help. 

I want them punished for this scam, and I want access to my report digitally through XXXX
Product: Payday loan, title loan, or personal loan

Payment was due on XX/XX/2023 with auto-pay enabled PayPal Credit claimed to attempt draft and claims to have been rejected PayPal Credit fined me {$30.00} for failed payment - posted on XX/XX/XXXX On XX/XX/2023, I called PayPal Credit XXXX Synchrony Bank ) to inquire and they simply said it was rejected by my bank I called my bank - XXXX XXXX XXXX XXXX routing # XXXX ) - and they had no record of any indication of an attempted draft from any of my accounts for the auto-pay amount I called PayPal Credit back to report this and was told " remove and re-add your auto payment account to see if that fixes it '' and offered to waive the {$30.00} fine ( a 30 % penalty! ) Although it is financially corrected, there resolution does not satisfy my concern that their systems are automatically fining for what I believe to be a problem on their end. They did not investigate the failure and essentially said " this happens sometimes '' and that cost me quite a bit of time to figure out how correct.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 16811 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proa was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

Experian is reporting INACCURATE information. Experian is reporting that XXXX XXXX was opened in XXXX 2011. The payment history is saying this account was in collection as of XXXX 2011. It stating I have " failed to pay '' prior to the account being opened. I have disputed on numerous occasion. It also shows the last status update is XXXX 2011. I have submitted paperwork to Experian showing the correct date the account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Debt collection

PLEASE see Case number : XXXX for additional supporting documentation that was sent last year. 

I was able to modify my mortgage through NACA XXXX Neighborhood Assistance Corporation of America XXXX ) and met with Home Loan Services XXXX Homeownership Preservation Team in the year 2009. 
MODIFIED XXXX home loan mortgage to 2 % fixed for life and to the market value of the home to {$360000.00}. 
REMOVED XXXX mortgage loan and moved balance to the XXXX home loan mortgage XXXX combined ). 

* ISSUE - A collection agency named Veripro Solutions thinks that my XXXX mortgage loan still exist. I sent them my loan modification documents/spoke with their representatives numerous times, to show that the XXXX MORTGAGE WAS REMOVED and the balance was moved to the XXXX mortgage. But they still keep sending me letters that I still owe the XXXX mortgage. 

XXXX My loan modification was personally negotiated with XXXX XXXX XXXX XXXX Assistant Vice President Loss Mitigation - Resolutions ) and XXXX XXXX XXXX Homeownersip Preservation Team ) from Home Loan Services XXXX XXXX XXXX Original Servicer ). XXXX personally explained to me how the loan modification would be with XXXX present. XXXX clearly even wrote and explained it to me on how the loan modification would be ( attached ). I also spoke to XXXX XXXX XXXX XXXX XXXX Loss Mitigation ) who completed the modification and we went through the modification paperwork together BEFORE I signed it. And XXXX stated that the XXXX mortgage was removed and balance combined with the XXXX mortgage. 

Loan Modification : XXXX XXXX loan mortgage deferred to 100 % LTV XXXX Loan to Value XXXX which would make it XXXX. 
* XXXX loan mortgage removed and balance moved to XXXX. Part of that balance/portion ( {$45000.00} XXXX will be postponed and be paid once the XXXX loan balance has been paid. 

If my XXXX mortgage was not removed and not part of the loan modification then : XXXX Why is my principal balance {$540000.00}? XXXX If my XXXX loan mortgage was modified to 100 % LTV ) * Where is the amount {$45000.00} coming from? 
XXXX Veriprosolutions needs to provide me documentation on where {$45000.00} is coming from if my XXXX was not part of the loan modification. *Documentation needs to come from original servicer XXXX XXXX XXXX 
XXXX Veriprosolutions also needs to provide me documentation that the XXXX mortgage was not included in the modification or not combined with the XXXX mortgage. *Documentation needs to come from original servicer XXXX XXXX XXXX