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

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX  /Account number XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a right to privacy.

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

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

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

We bought a car from XXXX on XXXX in XXXX. When we arrived on the car lot we informed them we were looking for a safe reliable family vacation vehicle. We also let them know our XXXX year old would ride in it daily so we needed it to be safe. We left with a XXXX XXXX XXXX. Two weeks into having the vehicle we noticed it wasn't driving right. We took it To our mechanic who said there was an extreme oil leak and an extreme differential leak. We didnt believe it since it had just passed inspection 2 weeks before we purchased it. We took it to two other mechanics who stated the same thing to us. We contacted XXXX and they told us to take it to there approved vendor to get looked at. There vendor said he didnt see the oil or differential leak. He was also the same person who passed the inspection on it. He kept the vehicle for about two days to make some repairs and gave it back to us and said it was good. We thought the car was fixed until two months later there was smoke coming from the hood of the car. We took it back to our mechanic who said if anything was fixed he wouldnt be able to tell since it was all used parts on the vehicle. He stated it still had an extreme oil leak, differential leak and also a transmission leak as well. We had a state trooper look at the car with the mechanic who said the vehicle is life threatening to drive and there is no way it should have passed inspection. The trooper said since it has been so long since we purchased the vehicle he wouldnt be able to issue the citation but he would have a talk with the approved vendor about it passing it when it should not have been. At this point we contacted XXXX and told them everything and they said they would have a tow truck come pick the vehicle up and they would look it over again. After looking it over they decided to allow us to come look for a different vehicle at XXXX on XXXX XXXX. When we arrived the first vehicle we looked at had a crack in the windshield. We asked how it passed inspection like that and we were told it must have just happened that day. We were not feeling good about getting another vehicle from them and was already advised by XXXX on XXXX XXXX that the XXXX location stated they were going to pay off the XXXX XXXX loan. So we thought we were done with them until I got an email from XXXX stating they dont know who stated that but they were wrong and we would have to pick another vehicle from them. We found another vehicle and had it checked out by our mechanic before returning to the XXXX location to make the switch. Then we were advised it had been to long since the first loan so they couldn't switch out the vehicle and would have to pay off the old loan and make a new loan. Now I have 8 hard inquires on my credit report. I dont know why since all of this was over ONE vehicle that was sold to us. My family is trying to buy a house and this is going to hurt us now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX  Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - XXXX XXXX FIN XXXX Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / XXXX Date : XXXX/XXXX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / Reason : I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / Inquiry Date XXXX XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  XXXX  XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Reason : I don't recognize this inquiry - Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / XXXX don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Account Number : XXXX / XXXX  - Account Number : XXXX / XXXX/XXXX  has violated my rights 15 U.S.C 1681 sections 602 A : States I have right to privacy 15 U.S.C 1681 sections 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of information reported by Absolute Resolutions Investments regarding an account allegedly owed to XXXX XXXX XXXX XXXX. I would like to bring to your attention several critical issues surrounding this account, including a violation of the Fair Credit Reporting Act ( FCRA ). 
1.Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX Collector XXXX XXXXXXXX XXXX Investments Date of Dispute Initiated : XX/XX/year> Date of Negative Reporting : XX/XX/year> XXXX. Background Information : I initiated a dispute regarding this account on XX/XX/year>, requesting validation of the debt. However, XXXX XXXX XXXX posted a negative remark on my credit report on XX/XX/year>, before the legally mandated 30-day dispute period had expired. This action is not only premature but also constitutes a violation of the FCRA, specifically Section 623, which mandates that furnishers of information must not report information while a dispute is pending. 
XXXX. Lack of Documentation : The documentation I have received, dated XX/XX/year>, does not substantiate their claim. Specifically : here is no contract with my signature indicating that I owe this debt. 
here is no XXXX099-B form.

The only items provided were copies of remittance coupons and proof of security purchase, which do not establish my liability.

4. Request for Action : I am requesting the following actions : An immediate investigation of this matter under FCRA Section 609, which allows consumers to dispute inaccurate information.

The removal of the negative remark related to this account from my credit report due to the violation of the FCRA while my dispute was pending.

Verification of this debt per my original request, as I have not received sufficient documentation proving that I owe this amount.

5. Legal References : I am asserting my rights as a consumer under the Fair Credit Reporting Act, particularly : Section 609 : Right to request information regarding the account.

Section 611 : Procedures for disputing inaccurate information.

Section 623 : Responsibilities of furnishers of information during disputes. 
MY PROOF OF ID IS ATTACHED FOR THE CREDIT REPORTING COMPAINIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a personal loan for {$1500.00} from XXXX XXXX XXXX. This company shows itself as if they're non profit and they work to help XXXX but it's not true. I was negatively affected by natural disaster in XXXX XXXX on XXXX XXXX 2023 so I reached out to them to defer payment till XXXX. They charged me twice at the beginning of this month and I paid {$210.00}. I have NO past-due balance with them. I got an alert from credit bureaus on Friday stating that this company reported me as past-due and my credit score dropped XXXX points! I am in the process of moving. I was going to apply for an apartment tomorrow. Because of their unethical, inhumane and wrong reporting, my life is very negatively affected. I can't rent any apartment without security deposit now. I don't even know if they will accept me because my score dropped huge. This company violated my rights and they have to be held accountable. Moreover, they need to be investigated for bad business practices targeting vulnerable XXXX
Product: Mortgage

XXXX now owns the mortgage but it started with Franklin Loan Company. In XX/XX/2017 when we were finalizing our mortgage in escrow, XXXX XXXX of Franklin Loans apparently submitted the amount of property taxes that we needed to pay in escrow. 

The amount for 7 months of property taxes on a sale price of {$400000.00} was only about {$1200.00}. This amount was very low and has now led to XXXX charging us {$500.00} a month more on our mortgage of {$2500.00}. XXXX also claimed that we need to have a {$1500.00} cushion in escrow, which Franklin Loans did not account for. 

I called XXXX XXXX and asked him about the property taxes. He responded that he no longer works for Franklin Loans and suggested filing a complaint with FCPB.
Product: Debt collection

Debt collector : RA Rogers Inc The above reference collection company is impersonating themselves as the original creditor. I never applied for any account with this company. If they are impersonating themselves as the original creditor and I never applied for any account with this company, that means an account was opened using my information without my permission.
Product: Student loan

I just read the press release and if it pertains to me, I 'm upset that I was never told about income aligned repayments as I struggled to make payments with a minimal income.
Product: Credit reporting or other personal consumer reports

Ive disputed with Experian, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amount of {$630.00} being reported on my Experian credit report. Ive requested Experian and the collection company to verify I owe such alleged debt, it has been well over 30 days for XXXX XXXX to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Experian responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Experian, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Student loan

Hello, On the second day after the COVID-19 forbearance was announced I contacted Ed Financial Services via their customer questions form. I did this because I couldn't get through on my first calls and they had not updated their information like my other student loan lender XXXX. I checked back for weeks and they never updated the site, saying information was coming soon. This is why I attempted to get this filed electronically. 

However, they claim I failed to make payments and have filed a report with every credit bureau. This is the first time I was alerted to a problem. Unfortunately due to the amount of telephone fraud I do not answer my phone, preferring communications I can login and verify prior to giving up personal information. Also, it appears the number they call me from is marked as spam by my cellular provider XXXX. The last email I received from Ed Financial was in XXXX long before the covid-19 bill took effect. 

They now have corrected the error with the forbearance but are refusing to fix the ding on the credit reports. This negatively impacts my credit score, ability to buy a house, apply for loans or reduced interest rates. Prior I had a perfect credit history in this regard. 

I simply want the false negative records on my account removed and to have Ed Financial take some responsibility for not taking customer service communications seriously. They could have emailed and I'd have dealt with it right away.
Product: Debt collection

A call from integrated services it was a robocall. Basically the voice said that they were attempting to contact but they bleeped that name out. The recording went on to say that they gotten some legal paperwork and if I did n't get ahold of them today that I was going to be facing federal and state charges for not paying a financial Institution. At the time I did not know the company 's name that called but I did a little research I found out that their name was integrated services after that point I did a web search and found out that there is no law firm by that name.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that your company supplied Equifax. I have included the item I'd liked removed. I have never lived at XXXX XXXX XXXX XXXX, GA XXXX.
Product: Credit card

Discover bank forged paperwork showing that I received paperwork stating that they were suing me for my debt. They previously refused to work with me on my payments and I never received any of the legal paperwork or court dates. They lied in court to receive a default judgement because I didn't show up for a court date I was never notified of or I would have gone. I didn't even receive the judgement paperwork until I found out my bank account was levied by a receivership law firm. They lied, didn't notify me of anything and are now charging me double what I owed for legal fees. The cc only went negative because of XXXX but Discover Bank refused to work with me and I couldn't pay because I lost my job at the start of XXXX. On my credit report it shows this debt as a charge off and that the account is closed, that's a blatant lie because I now am forced to pay the monthly payment I can't afford so it's definitely not a charge-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00}
Product: Credit card

I opened Destiny Mastercard and they take out a XXXX $ fee. I have made payments on time XXXX XX/XX/XXXX and XX/XX/XXXX. They say I didn't meet my minimum payment and charged me over limit fees of over XXXX XXXX I tried calling and they want me to mail in this information to them and it will be reported on my credit bureau as late after I just filed bankruptcy. this company is crooked. I was not over the limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a {$960000.00} mortgage from XXXX XXXX XXXX XXXX ( XXXX Michigan ). My ex-wife was awarded the mortgaged building and assumed the mortgage in the judgment of divorce. I obtained a Modification of Mortgage indicating that I was no longer on the mortgage - which was recorded with the XXXX County Register of Deeds. The mortgage was not removed from my credit record, and in XX/XX/2020, I submitted a dispute with Experian, XXXX and XXXX - submitting a copy of the recorded Modification to each agency. XXXX and XXXX removed the credit item - experian did not. I called them to try to get it corrected - got nowhere. I called again this morning, and had them tell me that I had not submitted the document to them in my original dispute. Based upon that, I have attempted to submit it to them via the myexperian.com/upload site. the site indicated that I had timed out - on three occasions. It refused to accept the pdf copy another two. I have sent them a copy with all of the several documents required by way of US Mail. I anticipate it getting lost. And then my credit score was reduced by 17 points within an hour of my attempting to address the dispute. Not nice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call stating  I may  be served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two p ymts of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with speedy cash. He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.
Product: Mortgage

After multiple attempts to get help to save my property from foreclosure I was offered a mortgage modification that is worth 3 times what the property worth a bigger debt in return for an affordable payment. How is this supposed t to help me?
Product: Debt collection

My previous landlord wrongly claimed I didn't give them advance notice for moving out and therefore they renewed my lease. This is not the case and I did give them notice for my intention to leave at the end of the lease but they failed to process it, and report a termination fee to a debt collector. 
Hunter Warfield didn't resolve my dispute even though I sent them documents showing my notice to not renew the lease to the XXXX XXXX. 
In summary, the debt collector chose to report that claim and influence my credit report even though they knew it was wrong. 
Please see the attached documents on my communication and proof of me giving them enough notice. 
Notice that in attachment 1, I notified XXXX XXXX on XX/XX/XXXX about not renewing my lease which ended on XX/XX/XXXX ; more than 4 months in advance and the lease only required XXXX notice.
Product: Money transfer, virtual currency, or money service

Hello, I made an international XXXX transfer from a non-sanctioned XXXX XXXX to a XXXX XXXX. Amount XXXX USD, Value date XXXX. The recipient of the money was an XXXX XXXX CITIBANK N.A. ( XXXX ). The transfer was rejected by the beneficiary bank on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond.
Product: Checking or savings account

i tried to deposit a large amount of money into the bank to get the 5.5 % XXXX interest. 
the bank did not transfer the money instead, after 4 days, i get an email that my account has been restricted and now being investigated for legality. 

i now have {$980.00} that I can not withdraw the bank if called XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credence Resource Management has called me repeatedly at my place of employment after I have asked them to remove my work number from their call database. The representative continues to try to talk to me and sometimes escalate their voice trying to talk over me. 

In addition, the representative asks me to confirm personal information prior to disclosing the company in which they are calling from and about. 


Not only is this annoying, it seems to be a violation of my rights.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is showing 3 fraudulent checking accounts that are not mine. I have already gone to each of the banks and made seperate complaints to have these accounts zero out, and removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

See Complaint XXXX with Ace Cash Express. 
On XXXX, a business only called XXXX at XXXX Representatives name is XXXX ext. XXXX called me stating they were in the process of filing legal action for a debt they had bought from Ace Cash Express. If you look at my complaint number above with Ace Cash Express, it clearly stated they sold this debt to a much different collection agency not XXXX. XXXX refused to mail me anything to verify my debt.
Product: Checking or savings account

The bank defrauded him because he made XXXX XXXXXXXX XXXX and they don't whant to give my money back. The Banck is BMO in XXXX Indiana I was given this page to help me.