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

This is Disappointing! I have been disputing with the Credit reporting Agencies for the removal of the Fraudulent accounts and information that are still reporting on my Credit File despite the multiple dispute letters and CFPB complaints I have been sending to the Credit Reporting Agencies. Five ( 5 ) months have passed and it seems like the Credit Reporting Agencies have been doing nothing! I have consulted my legal counsel and they are willing to help me file a federal case against the Credit reporting agencies for their willful negligence and incompetence with my Credit File. I have been informing the Credit Reporting Agencies that I have been a victim of identity theft and that the disputed items were the result of such crimes therefore I never have a legally binding contract with the disputed items. However, the Credit Reporting Agencies have claimed that the disputed items belong to me and that the Data furnishers verified the accuracy of the disputed items but I never received anything in response or any proof of verification or proof of ownership. Under the Fair Credit Reporting Act, I am requesting that the Credit reporting Agencies remove the following items completely from my Credit file before my legal aide finished their deliberation. I need the following items removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} x XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX AN # XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Checking or savings account

*** I have had a freeze on all three credit reporting agencies for just over one year XXXX On or about XX/XX/2021, I received a packet in the mail from E*Trade in a solid green plastic envelope. Out of curiosity I opened the packet to find checks, deposit slips, check register, and check book cover. My full name and address were on the checks/deposit slips. I DID NOT REQUEST A CHECKING ACCOUNT FROM E*TRADE! I called E*Trade using a phone number I found on their website and explained the above. He asked for my name and account number - which I gave him. He then asked for my social security number - I gave him no other personal identifying information. The representative offered no information as to how or who created the account. He said he would immediately close the account ; they would research the creation of the account ; and send me a letter with their findings. I received a letter from E*Trade on XX/XX/2021. This letter shows the last 4 digits of the account, and is addressed in my first and last name and current address. The letter states, " E*Trade Bank has decided to exercise its discretion to close the above referenced account. '' NO EXPLANATION OF ANY KIND. The final paragraph states if I did not recently open an account at E*Trade to consider several of eight different options ; i.e. complete a notarized affidavit of identify theft at ftc.gov ; file a police report ; etc.
Product: Credit reporting or other personal consumer reports

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite numerous requests over the past four months, the debt collector has failed to provide any documents or validate the information regarding the alleged debt. All inquiries made by me have been met with claims that they have no information to show, despite my submission of inquiries related to late payments, collections, and inquiries. I initially requested validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I asked for : 1. A complete and itemized statement of the alleged debt, including the original creditors name, the date the debt was incurred, and the amount of the original debt. 2. A copy of the original signed loan or credit agreement, or any other documentation that bears my signature and serves as evidence of my liability for the alleged debt. 3. A detailed explanation of any fees, interest, or charges added to the original debt amount, along with proof of their legal authorization. 4. Proof that the agency is legally authorized to collect debts in my state of residence, including the necessary licensing and bonding documentation. 5. A statement affirming that the alleged debt has not exceeded the statute of limitations in my state of residence. Per the FDCPA, they were required to respond to my validation request within 30 days of receipt. During this time, all collection activities were supposed to cease, and any negative information reported to the credit bureaus should have been removed. However, the debt collector has not complied with these requirements. This lack of response represents a violation of my rights under the FDCPA. Additionally, I am now invoking my right under FDCPA, 15 U.S.C. 1692c ( c ), to demand that the agency ceases and desists from any further communication or collection efforts concerning this alleged debt. This includes, but is not limited to, telephone calls, letters, and electronic communications to me, my family, friends, or place of employment, as well as reporting data on my consumer report. Any further attempts to contact me regarding this matter will be considered harassment and may result in legal action against the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was paid a lease break fee in XX/XX/2021 and our contractural obligation was severed civilly. First property management has reported an ADDITIONAL account on my report showing as 120 days late with an accrued balance from XXXX XXXX. Now there is collection on my account for this amount totaling in XXXX instances of the same inaccurate account information. See docket XXXX, there should be NO phone number on my report, and NO address '. 


The following inquires need to be removed from my report as I did not initiate a transaction with these companies and they have no permissible purpose to have run my credit. 

XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All previous attempts to solve this issue with the credit bureaus directly has proven unsuccessful. FTC ID report filed
Product: Credit reporting or other personal consumer reports

I've been dealing with a credit report nightmare for the past few months, and I'm at a bit of a loss on what to do at this point. 

I had XXXX accounts listed as XXXX days delinquent from my student loan servicer on all three of my credit reports after not having checked it for several months. I contacted my student loan servicer, and not only was I current ( I take being punctual with my payments seriously ), but they also never reported any of my accounts as delinquent. To verify that this information was correct, my servicer opened an investigation and confirmed it as accurate. They also provided documentation stating such. I opened a dispute with the credit bureaus and provided the substantiating documentation my servicer provided. That was late XXXX, and nothing has been changed. I even opened the disputes a second and I believe a third time, to no avail.
Product: Credit card

Avant withholds posting payments made to the account for 10 business days, this is steelign from their customers as it allows the company earn 10 extra days of interest on the credit card balance.
Product: Vehicle loan or lease

I purchased a vehicle through Credit Acceptance and it seems I paid double the amount I agreed to. The vehicle was for {$18000.00} I paid over {$30000.00} total XX/XX/XXXX I agreed to {$490.00} a month, {$2500.00} down. XX/XX/XXXX I still owed {$14000.00} after being on time and not missing payments. I paid it off but I feel cheated
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX make a claim to each credit reporting agency ; i.e., XXXX, XXXX XXXX and Equifax, as a subscriber to your companies to report adequately is in serious violation. As you can see, there are two bureaus showing XX/XX/XXXX as the first reported 30-day late payment, and Equifax showingXX/XX/XXXX. Realistically the late payments started in XX/XX/XXXX, but XXXX XXXX XXXX has cut off two years of payment history to re-age the credit trade line, which is a serious concern to the Federal Trade Commission. The charge of {$3400.00} was from an overage on mileage on a vehicle lease. The timeline to file a civil action has passed, and the federal guidelines, and the 7-year rule applies as the first reported late shows over the legal time limit. As stated in the Fair Credit Reporting Act : ( A ) In general, if 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 XXXX ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. [ Emphasis added. ] I desire an updated credit report showing a full reinvestigation of the account at the beginning of this credit dispute. I am well within my rights requesting this reinvestigation under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act. I anticipate a full re-investigative credit report within 30 days. 
ITEMS MAY HAVE SURPASSED LEGAL TIMELINE TO MAINTAIN ON RECORD Case in point, if a credit card payment was late 84 months ago, and since that time the credit card was paid in full, settled for less than full balance, or charged off by a federally insured bank as mandated under Federal Deposit Insurance Corporation Rule 5000, applicability of applying a charge off standard to debt service, then the creditor must report the true payment history on the credit trade line for a minimum of 84-months. The Federal Trade Commission has levied fines and penalties against creditors for using a re-aging process totally in violation of the Fair Credit Reporting Act guidelines.

Re-aging of debts have been used by the Internal Revenue Service by re-issuing federal tax liens with a new fining number when the 10-year rule timeline was running out. It is used by creditors as a means of  stalling or delaying ones credit rating, simply by cutting off several years of previous payment histories. 
Accordingly, XXXX XXXX XXXX XXXX is in violation to their subscriber agreement with each credit bureau and must delete the referenced account credit trade line permanently.
Product: Credit reporting or other personal consumer reports

I have been paying for my car with GM financial for over 3 years I have just paid off my {$38000.00} student loan and have been tracking my credit on credit sesame very carefully. I took my last deferment for XXXX and XX/XX/2023 with GM financial and starting XX/XX/XXXX I was to go back to my normal {$280.00} payment with GM financial. I have screenshots of the conversation I had with the representative in XXXX saying that I only needed to pay {$110.00} something and I would be deferred for XXXX and XXXX and to start making payments again XX/XX/XXXX. This means that if I were to pay the {$110.00} in XXXX I would have no late fees for XXXX and XXXX and starting XX/XX/XXXX I will go back to the normal payment. I have photos of the conversation with GM financial I have photos of the payment that was made that I promised and I have photos of my dashboard from GM financial as that is how I make my payments. I have been watching my credit very carefully because I just paid off my student loans with credit sesame and according to them I am 2 months behind on my car payment and I am in Jeopardy of losing my car by repossession. I continue to get on GM financial and all of my statements say that I have over {$100.00} in late fees and I owe over {$400.00} right now which is totally incorrect. I was supposed to make my regular {$280.00} payment XX/XX/XXXX and I have proof on the GM financial statement and for my bank account that shows I made a payment on XX/XX/XXXX of XXXX. My GM financial dashboard as of today says that I am behind 2 months still and I owe over {$400.00}. I have tried numerous times even calling as I don't like to do because that leaves me no proof of anything to try to get this situation dealt with I need to make my XXXX payment but it still says I'm 2 months past due and nobody from GM financial will help me I have constant creditors calling my cell phone so I rarely answer my phone if it's a number that I don't know I also had someone call yesterday and threaten repossession. If you could contact me by email first and then I will call you back that would be appreciated as I don't answer my phone call because so many creditors are calling me right now I'm very nervous my car is going to get taken from me and I just want what is owed to me and that is my dashboard saying what I really owe no late fees and it taken off my credit report I just want to make my payment. Okay hold
Product: Money transfer, virtual currency, or money service

XX/XX/2021 XXXX I purchased {$320.00} of IOTA MIOTA crypto currency on Binance.US exchange. 
XX/XX/2021 XXXX I purchased {$100.00} of IOTA MIOTA crypto currency on Binance.US exchange XX/XX/2021 XXXX I purchased {$200.00} of IOTA MIOTA crypto currency on Binance.US XX/XX/2021 XXXX I purchased {$100.00} of IOTA MIOTA crypto currency on Binance.US exchange XX/XX/2021 XXXX I purchased {$100.00} of IOTA MIOTA crypto currency on Binance.US exchange XX/XX/2021 XXXX I purchased {$20.00} of IOTA MIOTA crypto currency on Binance.US exchange On XX/XX/2021, I noticed I was not able to withdraw my cryptocurrency as they claimed my cryptowallet address format was incorrect. I then filed a complaint that I was not able to withdraw my funds due to this error. 
XX/XX/2021 XXXX I purchased {$20.00} of IOTA MIOTA crypto currency on Binance.US exchange approximately XX/XX/2021 I noticed they suspended my account so I was unable to withdraw or deposit my MIOTA cryptocurrency funds. 

I filed multiple requests. I only received two emails on XX/XX/2021 asking if I still needed help. However, when I responded within a few hours, they did not respond. There was no specific reasons why my account was suspended and no directions on how to unlock my account. It has been a few weeks and they have not addressed the issue. 

XX/XX/2021 XXXX I attempted to purchase {$100.00} IOTA MIOTA to see if this would unlock my account. My account was still suspended. however, they allowed the purchase. 

XX/XX/2021 XXXX I purchased another {$100.00} IOTA MIOTA to see if my account would eventually unlock it still remained suspended with no details as to why it has been suspended On XX/XX/2021 I attempted to sell 10 MIOTA of my cryptocurrency for US dollars ( {$10.00} ) in order to withdraw my funds. Now it is stuck in processing. 

I looked at reviews on trust pilot and even tried to post a complaint on their official XXXX account. They removed my post. However, I notice many other posts stating they had the exact same issue of their funds being inaccessible and they had waited for weeks or months, yet they still have not received a response. I even checked their official account on the social media platform " youtube ''. There were more comments stating the exact same issue. Their accounts were suspended for no reason and they can not access their funds. Binance.US has not attempted to resolve the issue and they have not made any attempt to reach out to customers.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act LVNV FUNDING LLC Account number XXXX has violated my rights.15 U.S.C 1681 section 602A states that 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: Vehicle loan or lease

I voluntarily Repoed the vehicle. The vehicle was repossessed in XX/XX/XXXX. I have called Credit Acceptance and they do not do anything for me. They told me after the car was sold in auction they were stop reporting on my credit. its been a few months now and they still keep reporting saying Im behind on my payments when the car was repossessed voluntarily. The balance continues to increase although I dont have the vehicle and they told me they would stop reporting. The company never sent me a letter or any statements whenever I would make my payments when I had the vehicle it was all made over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters off and receipt confirmation on XX/XX/2022 From Equifax. Here is my United State Postal article # XXXX and received confirmation from XXXX XXXX, confirming Equifax did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to

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 an account without my written instructions AND I did not give anyone written instructions.
Product: Credit reporting

I relocated to the XXXX area for work and rented a small apartment for 6 months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX XXXX XXXX by XXXX XX/XX/XXXX, 3.5 years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XXXX/XXXX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX XXXX . The same account that I had paid XX/XX/XXXX. I had contacted the company and was told that the account had a XXXX balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account 7 months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a XXXX balance. I inquired as to why I was told by one of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with Experian, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made XX/XX/XXXX and remove this negative mark on my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

on numerous occasions i have contacted the credit bureaus to remove information that is not accurate on my credit file XXXX XXXX has violated my rights multiple times by reporting such information XXXX15U.S.C 1681 section 602 A. States I have the right to privacy. -15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681 c. ( 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. every time i tell them to delete the information and advise them of the rights and laws they are breaking. i will file a lawsuit if they do not delete the account below account- XXXX XXXX XXXX -acct # XXXX XXXX XXXX - acct # XXXX