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

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore XXXX XXXX was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, XXXX XXXX has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : 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 : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted.. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX Experian Account # : XXXX Account Status : COLLECTION Date Opened : XX/XX/XXXX Balance : {$2700.00} According to XXXX XXXX Experian XXXX XXXX Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Experian Account # : XXXXAccount Status : COLLECTION Date Opened : XX/XX/XXXX Balance : {$200.00} According to XXXX XXXX Experian XXXX XXXX Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Experian Account # : XXXX Account Status : COLLECTION Date OpenedXXXX Balance : {$580.00} According to XXXX XXXX Experian XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deleted in 4 days!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Auto, and, XXXX lending services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.
Product: Vehicle loan or lease

I was on time with this account every month and I had a automatic payment set up from my bank but there was a small charge of XXXX dollars and automatic payment did not cover it for the months they claim I was late even I paid the original payment amount on time
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I have found the following item to be an error. 

XXXX XXXX XXXX  OPEN DATE : XX/XX/year> - ACCT # XXXX XXXX  ACCT # XXXX ACCORDING TO RECORDS/ ACCOUNT BALANCE OF {$32000.00} According to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXXXXXX XXXX XXXX any written instruction to furnish any information on my consumer report, which violates 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit card

I contacted XXXX to inquired about my account. I was under the assumption that I had a plus account. The representative advised me that I did not have the plus account and that I had a regular account. She advised me that there was no option for an upgrade on my account to get the plus account and that I would need to apply online for that account, which would be submitting another application for another card. She advised me that if I did reapply and got denied. She advised that I could call in and told them that I applied for the plus card and was denied, that I could the have my account reviewed and get upgraded to the plus card. So after applying and getting denied, I called back in to and was advised that the customer rep that I spoke to basically lied to me and that they are not able to review my account for the plus card. The customer service manager advised that they review the account but can not make any changes to it.
Product: Checking or savings account

I opened a Wells Fargo checking account with an introductory bonus offer of {$250.00} for makin g 10 debi t transactions. The debit transactions were made, but there was no bonus offer to be seen. I feel that I was unfairly misled by Wells Fargo.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and XX/XX/year> I submitted disputes on a collection appearing on my credit report. Both XXXX and Experian responded back and notified me that the results of their investigation were updated. However, on both occasions, they did not provided me with the physical verification as I had requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management Inc is pulling my XXXX XXXX credit report for account reviews when they have no account to review for collection the account that they did have has been closed to all collections for being exempt from debt collection due to being on Social Security XXXX for life so they have no right to pull any of my credit reports for account review unless they are attempting to collect on exempt funds they closed the account and stop all further collections. they have no reason to review my reports for an account they can not ever collect on.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX removed account number : XXXX from my credit profile as of XX/XX/2023 and Transunion is still reporting this account as a collection and is hurting my credit profile.
Product: Debt collection

American Profit Recovery , Inc. is falsely harassing me and trying to collect {$72.00} + Interest despite, I have clearly explained why I do not owe any money to their client by a letter on XX/XX/21. Can you please help me stop this harassment as they do not seem to understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

I have multiple inquiries that I did not authorize, I called the company and the credit bureaus and had no resolution. The companies are Ally Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am receiving mortgage collection calls from The Money Store and it's debt collection companies for an employee of my company. After I had received several calls and messages, I contacted them in XXXX and again on XX/XX/XXXX. I requested the removal of my business line from the employee 's personal mortgage account and from the company 's general records. I also contacted the employee to request that he call the vendor to remove my business phone number which has never belonged to him. He assured me that he would. 

I contacted the employee again on XX/XX/XXXX and advised that they were still calling. He has " contacted any attorney ''. 

I received another phone call this morning, XX/XX/XXXX, without a message ; just some background noise. I called back and spoke with XXXX at XXXX. She stated that she would add this phone number to their internal Do Not Call List. 

The Money Store must stop calling my business line for debt collection that has never belonged to me at a phone number that has never belonged to a debtor.
Product: Debt collection

Dyck Oneal has been reporting on my credit report a collection in the amount of {$32000.00} which is not mine and Dyck Oneal is illegally transacting business in the State of Ohio by continuing to try to collect a debt from me and I am a resident of the State of Ohio. According to the Ohio Secretary of State : Ohio does not have a specific requirement for collection agencies or debt buyers to be licensed in the state. However, any business, regardless of location, that " transacts business '' in Ohio is required to register with the Secretary of State. Dyck Oneal is not registered to do business in the State of Ohio.
Product: Checking or savings account

I paid for a service and the service fell apart. I was told by chase I needed to Call XXXX I was told by XXXX I needed to call chase. I spoke with 5 representative in 1 your and no one column resolve my issue of filing. A claim
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 you 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. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a )  Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXXXXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2022 Balance : XXXX 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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

My report contains unapproved hard inquiries impacting my credit score. Requesting immediate removal under 15 USC 1681b ( c ) ( 2 ).
Product: Debt collection

I am writing this in response to a recent communication received from Capital One, dated XX/XX/XXXX, which claims that I owe a debt to them that has allegedly been sold to XXXX XXXX XXXX. I dispute the validity of this debt and assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have been consistently making payments towards the alleged debt, as per my records and bank statements, directly to XXXX XXXX XXXX, pursuant to a payment arrangement established on XX/XX/XXXX. This arrangement was made with XXXX XXXX XXXX, and I have diligently upheld my payment obligations in good faith. 

Per the FDCPA, Section 809 ( b ), I request that you provide me with a written validation of this alleged debt. This validation should include the amount claimed, the name of the original creditor, and any relevant documentation that supports your claim. Until such validation is provided, I request that all collection activities, including reporting this debt to credit bureaus, be immediately halted. 

Furthermore, I also demand that the entry of this debt on my credit report be removed in compliance with the FCRA, Section 623 ( a ) ( 1 ) ( B ). As per this section, information that has been reported inaccurately or can not be verified must be removed from the credit report. Since Capital One claims that I owe the debt to them, it indicates an inconsistency in the reporting and raises questions about the accuracy of the information.
Product: Bank account or service

I have been adding extra money to my auto monthly payment and it is not being applied to the principle. Instead, they send me my next statement with a lower payment.
Product: Credit card or prepaid card

I have a high balance with my Chase credit card, for which they charge me 27.4 % interest. Today ( XX/XX/XXXX ) I tried to register for Covid-19 relief assistance with them, hoping to stop paying so much interest until I am again employed. 
They do not offer any such option, instead giving this draconian " relief : '' " Keep making your payments if you can. We'll continue to charge interest according to the terms of your account ... we'll consider your payment history ... and may cancel or restrict available credit lines. '' It appears their ONLY offer is to delay your payments or to lower or restrict your credit lines?? Neither of these things is remotely helpful when you have no income coming in, and in fact they are both extremely harmful. Payments need to be reduced, the astronomical interest rate needs to be suspended, other arrangements need to be considered. 
But Chase does not offer any help in those areas.
Product: Credit card or prepaid card

XX/XX/2020, I submitted a complaint XXXX regarding a Synchrony Bank account XXXX that never existed. 
This was not a problem with a purchase, but a criminal conspiracy involving a bank and a retail internet vendor to defraud a consumer. 
I am aware that investigations take time and effort. However, you have demonstrated your unwillingness to invest in either. 

In my complaint I provided documentation showing a pattern of complicity in fraudulent business practices by Synchrony Bank and Amazon on account ending XXXX. Apparently, Synchrony Bank has gone this route before and is quite familiar with the requirements to quickly close a case. 
They crafted a response based upon the information I provided in my complaint which you relayed, without having to prove anything. 

The Following are key to this investigation and would determine whether a crime was committed. 
( 1 ) What date account XXXX was activated and the telephone number used to activate. 
( 2 ) A copy of the original statement showing details of each transaction.

( 3 ) Copies of letters that were supposedly sent to me regarding the conclusion of XX/XX/2020, and XX/XX/2020 investigations. 
These were never received including the response you attached dated XX/XX/2020. Interestingly enough, I have received monthly statements and letters with incentives to settle the account by USPS. 

Prior to the summarized invoice dated XX/XX/2020, all correspondences and communication with Synchrony Bank were paperless with two-step verification or by telephone. I have since terminated both and communicate exclusively by USPS. 

I have a legal and moral obligation to pay debts that I incur. However, I will not be coerced, threatened, or blackmailed with attempts to destroy my a good name or creditworthiness.
Product: Credit reporting or other personal consumer reports

Someone Fraudulently used my personal information to apply for numerous credit cards and auto loans
Product: Credit reporting or other personal consumer reports

In, accordance with the Fair Credit Reporting Act Experian and Experian Fraud services has violated my rights. Inaccurate reporting 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Experian ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 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  i did not consent nor authorize Experian or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. Please delete Negative fraud inquiries and non mailable address. Fraud inquiries include XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX lease, with a co-signer that terminated in XX/XX/XXXX. In XX/XX/XXXX, I declared XXXX XXXX bankruptcy. XXXX XXXX stated that a re-affirmation was automatic if we continued to make payments, and no paperwork would be needed. ( Specifically, customer service told me and my lawyer " we ( XXXX XXXX ) don't do paperwork anymore '' ). I assumed that my credit report would reflect ongoing payments, but it never did -- only indicating that I declared bankruptcy, meanwhile notating a repossession that occurred in XXXX. 

Upon the conclusion of the lease, I sold the vehicle to a dealer. Following a dispute to XXXX, XXXX XXXX XXXX credit bureau reporting has since been updated to only state " XXXX XXXX bankruptcy '' with no mention of the repossession or any negative remarks. However, my Equifax and XXXX still contain negative remarks and negative payment history ( meanwhile not indicating a high/low balance or anything like that ). Because I declared Bankruptcy, there should not be any negative remarks on my credit report.
Product: Vehicle loan or lease

Ally Financial account # XXXX My name is XXXX XXXX XXXX. I was trying to pay my loan in full and when I called they told me after paying for 3 years I still owe XXXX in principal. I checked the statements online for every payment and made a chart. They are charging much more in interest monthly than adding to principal. I have a contract which was initially signed in dealership of annual interest 12.69 % with a total of XXXX financial charge and now is a different story. I need help please. My phone number is XXXX XXXX Thank you
Product: Mortgage

Applied for a loan modification before 30 days of Scheduled Foreclosure and got a denial letter without reasons for the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS A CONSUMER, I NEED TO UNDERSTAND PLEASE WHY IS NOBODY LISTING TO MY COMPLAINS. THE CLOSED BANK OF AMERICA ACCOUNT. THIS ACCOUNT WAS OPENED, MAINTAINED AND CLOSED BY SOMEONE ELSE WHOM I DON'T RECOGNIZE. I HAVE NOT AUTHORIZED THIS ACCOUNT TO BE OPENED, MAINTAINED. SOMEONE STOLE MY INFORMATION, AND OPENED THE FRAUDULENT ACCOUNT.