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

On XX/XX/2018, I disputed an inaccurate medical collection item on my Experian credit report as the account was paid by insurance and the company was not to balance bill per the contract they had with the insurance company, yet they still did. On XX/XX/2018, I received notice that the dispute investigation had been completed and the item had been removed from my credit report. 

On XX/XX/2018, I noticed that the account had been added back to my credit report. I again disputed the item, advising Experian that they did not send me proper notice that the item had been reinserted. I received an update on the dispute that the account would remain on my report. 

According to FCRA 611 ( a ) ( 5 ) ( b ) ( ii ), " Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' This account is not a valid debt, and despite my efforts to get the creditor to remove it, they will not. Experian deleted the account for a reason, and has no grounds to reinsert it, especially violating the FCRA and failing to notify me of the reinsertion in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and saw these 2 accounts being reported as late payments even if I always pay on time. I wanted these accounts to be investigated and delete the Late payment notice since I was not late and this is a violation of my rights. Below are the accounts appearing : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear [ LVNV FUNDING LLC ] REQUEST FOR VALIDATION AND DISPUTE OF CHARGE-OFF ACCOUNT REPORTING I am writing to formally dispute the reporting of the charge-off account associated with XXXX on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), you are legally obligated to provide complete and accurate documentation to verify the legitimacy and accuracy of this account 's reporting. Additionally, under California law, I have the right to demand validated evidence of this debt. 
I am requesting the following documentation to validate this account : XXXX. XXXX XXXX XXXX Records I require authenticated double-entry accounting records that show all transactions debited and credited, providing an accurate and compliant breakdown of this account 's history. Simple statements or conclusory responses will not satisfy this demand, as outlined in XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. 1999 ). 
XXXX. Authenticated Evidence Based on California XXXX I require documented proof, including original signed contracts or agreements, that legally supports your right to report and collect this debt. 
Compliance with [ XXXX. XXXX of Permissible Purpose and Reporting Status Please provide documented verification of your permissible purpose for reporting this account, along with confirmation of the current reporting status. 
I am requesting a clear, documented basis for your continued reporting. 
XXXX. Documentation of XXXX XXXX If this debt has been securitized, sold, or transferred to another entity, provide documented proof of your legal right to continue reporting and collecting on this account. 
Furthermore, this account has been reported with severe inaccuracies. Given the reporting errors and the lack of appropriate validation, I am requesting the immediate deletion of this account from my credit report. 
Please respond within XXXX  days of receipt of this letter with the requested documentation or confirmation that the account has been deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

capitol one auto finance acct. XXXX XXXX. XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX in the year, 2016 month of XXXX and XXXX my account is showing a charge-off. 
there was a payment agreement placed on the account to help bring the account to a current balance. These two charges-offs should be removed. the account is current with monthly payments being made as agreed. please have capitol one remove charge-off. 
talked to a supervisor named XXXX, ID, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Entered into a disaster relief forbearance with lender under the XXXX XXXX disaster relief program as a result of Hurricane Irma.  As part of the program, credit report was to be suppressed and no negative information was to be reported to the credit bureaus. During the forbearance period, I paid off the loan in full including including all the deferred payments when I sold the house. Upon payoff of the loan, I was reported to the credit bureaus as being 180+ days past due. I had this loan since XX/XX/2004 and was never late. The lender has refused to fix the issue and has advised that regardless of being under a disaster relief forbearance, they suppressed the reporting during the forbearance but when I paid off the loan, I was out of the forbearance period and had to report me negatively to the credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> XXXX Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases underXX/XX/XXXXXXXX must be removed after 10 years from the date of filing. 
XX/XX/XXXXXXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am writing to file a formal complaint against Capital One, a creditor, for inaccurate reporting of negative information to the credit reporting agencies. I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. I request your assistance in investigating this matter and ensuring the accurate reporting of my credit information.

Capital One has reported a late payment on my credit report for the date mentioned above, which I dispute as inaccurate. I have attached supporting documents, including payment receipts and account statements, which demonstrate that the payment in question was made on time. Despite my efforts to rectify this error with Capital One, they have not corrected their reporting to reflect the accurate payment history.

Laws and Statutes Violated : 1. **Fair Credit Reporting Act ( FCRA ) : ** Capital One 's inaccurate reporting violates the FCRA , which requires creditors to furnish accurate and complete information to credit reporting agencies ( 15 U.S.C . 1681s-2 ).

2. **FCRA Section 611 : ** This section grants consumers the right to dispute inaccurate information on their credit reports and requires credit reporting agencies to conduct a reasonable investigation ( 15 U.S.C. 1681i ).

3. **FCRA Section 623 : ** This section mandates the maximum possible accuracy of consumer reports and imposes obligations on data furnishers to provide accurate information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

4. **FCRA Section 616 : ** This section outlines the responsibilities of furnishers of information to correct inaccuracies in their reports ( 15 U.S.C . 1681n ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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: Mortgage

Mortgage company received bill for property taxes on property which I do not own. Mortgage company negligently paid the county for property taxes on property that I do not own, using money from my escrow. approximately {$21000.00} Mortgage company refuses to take any action to remedy this.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute for Improper Communication in Debt Collection Violation of 15 U.S. Code 1692c Dear XXXXXXXX XXXX XXXX  I am writing to formally dispute your recent communications regarding an alleged debt that I am purported to owe. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. 

In your communications dated XX/XX/XXXX of improper communication, you violated my rights as outlined in the FDCPA by : Contacting me at an inconvenient time, specifically XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Contacting me at my place of employment, despite knowing or having reason to know that my employer prohibits such communications. 
Failing to communicate through my attorney, despite being informed that I am represented by legal counsel.

These actions are clear violations of the protections provided under 15 U.S. Code 1692c. As a consumer, I am entitled to privacy and fair treatment, and your conduct has been contrary to these legal standards.

I hereby request that you cease all further communication with me, except as legally required, and that you take immediate steps to correct your procedures in compliance with the FDCPA. Any further violations of my rights may result in legal action.

Additionally, I am requesting full validation of the debt, including : 1. Verification of the amount of the debt ; 2. The name of the original creditor ; 3. Any supporting documentation proving that I am liable for this debt.

Please respond in writing to acknowledge receipt of this notice within 30 days. Failure to comply with this request may lead to further actions, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Sincerely, Concerned Citizen
Product: Credit reporting, credit repair services, or other personal consumer reports

Allowed XXXX XXXX to report false information. Acknowledged over the phone that an account went down by {$76.00} and then went back up for no reason, allowed them to remove, then place back on my report, accounts that are paid in full and closed. You do not seem to mind that a company trashes someone's credit with lies. You make it very difficult to remove false info because you only ask the reporting agency and do not require them to prove anything.
Product: Credit reporting or other personal consumer reports

I applied for a loan and this company failed to reply in a timely fashion, ignored my email requests, spoke with me multiple times via representatives " off shore '' possibly in XXXX. They never asked me last XXXX ss and XXXX when they came back to the line. They were inexperienced in examining my financials, and even asked me to send a personal document ( my tax return ) to an unsecured email address. They repeatedly violated privacy and provided poor services, and failed to give me a supervisor in the XXXX. Now I have a hard inquiry and they did nothing for me. I want the hard inquiry erased, and I would like to see Avant investigated for privacy violations. The offshore agents have no idea what they are doing and are security liabilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
Original Creditor : XXXXXXXX XXXX XXXXXXXX Original 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found that there are several incorrect and unverified items, with World acceptance  and I have disputed these items with them and the credit bureaus several times in the past. These items have also caused a significant negative impacted my current ability to receive credit and have provided unnecessary embarrassment and inconvenience. 


World Acceptance XXXX and World Finance Co XXXX. This is the exact same company reporting incorrect information and duplicate account. They are listing it under different account numbers and keep removing and re-inserting it on my credit report. 
My last account with World acceptance was opened in XX/XX/XXXX, account number XXXX, and my last payment was in XXXX. I am sending documentation of this. 

This has not only hurt my credit score but also CAUSED major stress and the credit bureaus and world acceptance violated my rights. They recently just did it again which dropped my score XXXX points
Product: Credit reporting or other personal consumer reports

To Experian - Consumer Affairs at XXXX XXXX  XXXX ; XXXX, Texas XXXX, I requested the following : 1. I am requested account activation online and was told to send more. I started sending documents XXXX. I resent them on XXXX via facsimile after an e-mail arrived XXXX Case # XXXX. Both sides of the drivers license and social security card were included. 
2. I requested that the fraud victim statement be updated. Fraud applications MAY NOT be submitted in my name. PLEASE request they update as soon as possible. On XXXX ( after the paper report arrived ), I made the formal request again via fax. I resent them on XXXX via facsimile after an e-mail arrived XXXX Case # XXXX. Both sides of the drivers license and social security card were included. 
This I have done since XX/XX/year>.
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 under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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.
Product: Credit card or prepaid card

To whom it may concern, I'm a XXXX student who studying my XXXX degree in XXXX XXXX was on the road to establish credit and was referred to apply for a Capital One Platinum unsecured credit card from an Customer service representative at XXXX  bureau. There I became a honor on-time full payment cardholder for a bit over a year. Until I experience a home burglarize invasion which resulted in become a victim of identity theif which cause a big loss as been a young adult who was trying to establish independent start in life that when I received my billing statement that following month that when I noticed there where many unauthorized transaction charges that I didn't authorize or give no one permission to. I contacted Capital One and filed a dispute claim which went under investigation and resolved to be Unauthorized transaction due to compromised account but was told that I had to continue making all payments which I continued to keep my credit score in great status due to my social security card being stolen I cleared my balance and closed my account once I closed my account that when Capital One want me to account holder that the baby came from verify verify personal information which was confirmed to me that there where not any issues with the payments that they receive.That when Capital One infrom to me a that I wouldn't wasn't going to mail me my refund check from Capital One which was told from the other individual that made those last last 4 payment. How can I
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already contacted XXXX XXXX and Early Warning a number of times about this they successfully removed the accounts but did not remove the negative information reported about the accounts I have called many times they said the removed it its been well over 4 weeks and they have still not removed this negative information I have uploaded a photo of the negative information and also I have uploaded the previous account that was removed but the negative information is still listed about the account. The pictures I have added are the account numbers that were removed the section I am referring to is listed under ( information reported about closed bank accounts )
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

XXXX S.S. # XXXX / CONTACT NUMBER XXXX email XXXX ADDRES XXXX NJ XXXX RE : CITIMORTGAGE INC ACCOUNT # XXXX Complaint against CitiMortgage Inc. CitiMortgage Inc. refuses to report the statu status of the account correctly to XXXX , reporting account # XXXX as derogatory and late 120 past due. The account status should be reported as paid and closed as evident by tax forms XXXX and XXXX and my XX/XX/XXXX tax return in witch I was required to pay capital gain taxes for the property list as XXXX NJ. 
XXXX.This is my primary residence since XX/XX/XXXX.CitiMortgage Inc. also refuses to identify to me who made the unauthorized payments on the account from XX/XX/XXXX until XX/XX/XXXX these payments are fraudulent, reinstating the account without authorization, this is evident by the attached XXXX credit report dispute dated XX/XX/XXXX.The account went into dispute XX/XX/XXXX.The fair Credit Reporting Act states that no negative rating should be issued while an account is in dispute. 
CitiMortgage Inc. is reporting pay status on a closed account as 120 past due. Please rectify this issue. THANK YOU.