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

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 

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

in accordance with the Fair Credit Reporting Act the accounts below have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX
Product: Student loan

I receive robo phone calls multiple times daily while the spoof a different number for called it, they are asking a lawsuit for loan forgiveness, I haven't had a student loan in over 10 years, I have waited for live person several times and explained the situation and asked to be removed from their call list, they have failed to do so, I am so aggravated and juat want to stop  receiving this call daily, some times several times a day
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverifiable Account - XXXX XXXX
Product: Debt collection

I have reported numerous disputes to all three credits agencies apprising them of the error made by the UTILITY company XXXX. 

The amount of XXXX XXXX dollars ( {$67.00} ) is in error. I contacted the electric company on or about XX/XX/2020 to inform them of my moving out of state and to discontinue my service effective XX/XX/2020. 

My final bill from the utility was paid in full. 
( See attached final bill ) The utility company retained L.J. Ross & Associates alleging I owe a balance of {$67.00}. Every month L.J. Ross & Associates has been sending " negative '' reports to the credit reporting agencies. 

I request the XXXX & L.J. Ross & Associated cease and desist their actions in reporting this error to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting or other personal consumer reports

I paid off the full balance of my ( Bank of America ) credit card ending in XXXX. I requested all cash back dollars to be paid out in XXXX of XXXX. I requested that the account be fully closed in approx. XXXX of XXXX via phone. The account was REMOVED from the online banking AND app banking systems. Statements were NO LONGER BEING PRODUCED. To my knowledge, the account was closed successfully. The absence of this account on ANY records, support that they began the process of closing the account, but did not report it in a timely manner to credit bureaus. 

In XXXX of XXXX, I was notified that they were closing my account : which was supposed to have been closed several months prior. I relayed this to multiple representatives, none of whom were able to assist in any notable capacity. 

BofA is refusing to correct their tardy credit reporting. They are refusing to audit the account history. They are refusing to supply documents to me to review personally. 

After attempting to resolve issue in XXXX of XXXX, I did not receive any new emails or letters about this account ending in XXXX. Now after months have passed, they are YET AGAIN showing this account as active in email messages : this demonstrates their inability to properly monitor and document the status of this account. ( see attachment )
Product: Credit reporting or other personal consumer reports

I made a puchase at XXXX on XX/XX/XXXX for {$52.00}. On XX/XX/XXXX, prior to the closing date of the billing cycle, I received a charge from XXXX for {$1.00}, which was accidentally charged twice, for a bounce back of my checking account. 

I had gotten divorced and opened a new checking account at the same bank because the bank was unable to remove either spouse from the joint checking account, but I don't use the XXXX XXXX card very often, and didn't realize that I hadn't updated the account number. 

I called XXXX and chatted with them online several times on XX/XX/XXXX, and they credited back the fee when I explained that this was an honest misunderstanding, I have never been late, and I have excellent credit ( score around XXXX ), and held the credit card account for over 10 years. 

I spoke to XXXX different people who said the account was now cleared, and I got a confirmation that the total of {$52.00} was paid. Nobody had mentioned that the automatic bill pay feature was XXXX, or that I needed to make a one-time manual payment. 

On XX/XX/XXXX, I receive a notification from several credit card monitoring services that my credit score dropped over XXXX points!! I have always had an almost-perfect credit score, always have automatic bill pay, and have never been late. I called XXXX to inquire what had happened, and was informed that the payment of {$52.00} did not process on their end. I immediately paid the total on the app while I was on the phone with the agent, and asked them to clear this late payment from my credit reports, as this was all a misunderstading, and I had already called on XX/XX/XXXX to reverse the charge, update the checking account, and had received an update that the payment had gone through. 

I was told by the agent that they can not update the credit reporting agencies, and that I will just have to accept an XXXX hit to my almost-perfect credit score that I have spent decades meticulously monitoring and cultivating. 

If you view my credit report, you will see that I have an installment mortage account, credit cards with a long history ( oldest account was opened in XXXX - XXXX ), and I have never had a late payment and pay all of my accounts off in full every month without fail ( except the mortgage - I cant afford to pay the entire mortgage off in one month, or I wouldnt need a mortgage! ). 

Please help. I have already contacted Kohls ' several times, and have paid the amount in full the MOMENT I found out there was a discrepancy. This is not equitable to suffer such a large blow to my credit score all because they didn't process the payment when I updated my checking account, after receiving a notification that the payment was processing. I am the farthest thing from a credit risk.
Product: Checking or savings account

Hello, My business checking account with US Bank was hacked and used to send unauthorized payments using XXXX. I only found out about this when I checked my checking account some time after these four transactions. I did open up a claim with US Bank but it was denied stating that the transactions were posted as requested, even though I never authorized these transactions. 

When filing the claim with US Bank, US Bank notified me that business checking accounts only have a one day window to submit a claim, while personal accounts have about one month. The reason for the denial of this claim was that I had filed the claim more than 1 day later from when the incidents occurred, as I am a business owner and do not check my checking account every day since I am busy with work. It appears as though someone accessed my username and password and sent these transactions without my knowledge. 

XX/XX/2020 {$300.00} XX/XX/2020 {$520.00} XX/XX/2020 {$520.00} XX/XX/2020 {$520.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality has violated my rights. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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. I WOULD LIKE THESE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY REPORT IMMEDIATELY
Product: Checking or savings account

I been bankiing with BOA since 2016. I had a lot of issues this year due to my identity was compromised when my vehicle was stolen months ago and SSN & other information was exposed. I was not notified my bank account was going into closure until I try to logon my bank account. I cant get any access funds or withdraw anything. I have 3 kids & a pregnant wife and I cant even give my kids a good Christmas or pay any bills with BOA not letting me withdraw my money. I dont know how is this even legal. I have talk to several representatives & they just brushing it off. Now, Im filing a complain because this is ridiculously & 6-7 years of banking I would at least thought I will get better customer satisfaction!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXXXX/XX/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

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : XXXX XXXX - XXXX Equifax : XXXX XXXX - XXXX
Product: Checking or savings account

Chase Bank closed my account on XX/XX/XXXX, but did not notify me. I only found out on XX/XX/XXXX when I went to use my card. I also tried to retrieve my money from my account as I, like many Americans, have bills to pay. Chase denied me access from getting my money even though the representative AND the teller in the bank informed me that I could have my money and they would not withhold it.
Product: Debt collection

NEW YORK HIGHER EDUCATION SERVICE XXXX : Notice for # XXXX Proof of Claim Account : XXXX XXXX # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. 
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of  other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract BETWEEN XXXX XXXX # XXXX and NEW YORK HIGHER EDUCATION SERVICE
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA ( Fair Credit Reporting Act15 U.S.C. 1681-1681x ), it should be removed. However, l have sent in continuous dispute letters obtaining all information needed to remove the inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is CRACCEPT/CAC. The Inquiry date is XXXX XXXX. The bureau reporting is TransUnion.
Product: Debt collection

I had a XXXX XXXX account for over 25 years and the final bill contained late fees that were charged erroneously. I received a collection notice which is attached to this complaint from Sequium Asset Solutions. The notice provided 30 days from receipt of the notice to dispute the item contained in the notice. 

I was not given the benefit of the full 30 days of the notice to dispute this debt, and Sequium reported the debt to XXXX  and likely other bureaus, on XX/XX/2021, just 20 days inside of the 30 allowed by law. This debt was already paid in full via electronic check and still remains on my credit file with XXXX. 

Due to the fact that I was not given the proper 30 days from receipt of the notice dated XX/XX/2021 to dispute the debt which was already paid, I was treated unfairly for not allowing me the proper time to dispute the debt, a full 30 days, which Sequium reported prematurely.
Product: Vehicle loan or lease

I sent multiple letters and emails to united auto credit for my car loan late payments for XXXX, XXXX, and XXXX of XXXX asking for forgiveness and goodwill due to my XXXX from my time in the military I was unable to make various decisions like pay on time bills and make it to work due to lack of ability to sleep. I have since then gotten the proper help and medication to boost me in the right direction as far as financial decision making. I have not yet received a response to my email. these late payments hinder my ability to obtain good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the people that work at Transunion to remove all of these negative entries off of my credit report on multiple occasions throughout 3 to 4 years. I have sent multiple letters to them asking them to validate the debts. In order for a debt to even be legitimate and added to a credit report they need to have the original Contract that both parties signed which will prove that the debt is legitimately mine. They have not done this at all.

The people at the company refuses to send me anything I have asked for. They just continuously send me the same thing over and over again. They are fraudulently keeping this entries on my report and I have no idea why. I have told them that there is NO contract that exists for any of these. They know there is no contract that exists but they still repeat the same process with me in a cycle and they are making me waste money and resources re-sending them documentation and letters to have them validate something they know they can't validate instead of just removing the entries.

Again I know there are no contracts that exist and they know there's no contract or else they would have provided one. So I wish they would stop making me go in circles and just remove the entries.
Product: Vehicle loan or lease

When I got my vehicle the amount I had to pay was {$34000.00}. When Credit Acceptance got the contract they added another {$34000.00} to it. I had called them and asked them why another {$34000.00} was added and they said because the bought the contract. I asked them how they could do that and they just told me they could.
Product: Debt collection

I received a credit alert on XX/XX/2023, indicating a new collection account reported by AmSher Collection Services, even though I have not received any prior communication, verbal or written, regarding the alleged debt. This sudden reporting has led to a decline in my credit scores. Notably, I received written notification of the same alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/2023 ( enclosed ), while AmSher Collection Services added their collection account to my credit file between XX/XX/2023, and XX/XX/2023. AmSher Collection Services ' actions appear to be in violation of the FDCPA, resulting in damage to my credit rating and adversely affecting my relationship with existing creditors.
Product: Debt collection

I, XXXX XXXX Natural Person, XXXX XXXX XXXX XXXX you are a debt Collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 U.S.C 1692 a ( 6 ). It has come to my attention and understanding that XXXX XXXX has my rights pursuant to Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling and complaining about 6 inquiries on my credit report that XXXX is reporting : As a last resort since they were not listening to me I filed disputes online. My Dispute # XXXX. 
These same inquires were shown on the other 2 bureaus as well they investigated and then removed. I have reached out to each individual company with no answers or voicemail with no return call. I have reached back out to XXXX  to let them know my findings. They told me the only way I will get removed is to wait until they fall off my credit report. This is unacceptable for me I can't wait until the middle of 2020 to remove something that does not belong to me. Also, it is affecting my credit and trying to apply for a job is hard when you have these kinds of thing bringing your scores down.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX Account Nunber XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Nunber XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$830.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXXBalance : {$990.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX