23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a report today from two of the credit bureaus ( XXXX, XXXX, ) indicating that a collection agency, by the name of Consumer Adjustment Co., which I never heard of, had reported me to be in a collection delinquent status, for the amount of {$280.00}, supposedly because the aforesaid amount, was past due for 1 month. I find this report to be totally unjustifiable, for I do neither know what kind of company this is ( if in fact, it is legitimate or fraudulent, ) nor do I know, what the amount it claims " I owe to them, '' has to do with, or stems from. 
I have never done any kind of business with this company, and if it is true that I owe it, or any of its commercial associates, the amount it claims I owe ( past due one month, ) I ask you kindly to answer me : I am not entitled to being informed about the debt, before they report me, and maliciously affect my credit? and even if I owed them the amount in question, is it justifiable for this company to report someone as delinquently owing them, only after 30 days go by, without making first, a conscious effort to reach the person adequately, and documenting the financial obligation well, to that person. I find this situation to be extremely unfair, maliciously intended to destroy people 's hard earning credit ratings, in a total violation of consumer rights, and perhaps ( unless the debt is proven, ) even Fraudulent. Please help me out to clear my name, but most importantly, to restore my credit rating, as it went down 61 points immediately, due to this inaccurate report. Thank you very much. 

The information of the aforementioned collection agency, is as follows : CONSUMER ADJUSTMENT CO. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX XXXX
Product: Credit reporting

I sent a method of validation letter to Experian regarding an account that is listed on my credit report. The letter that I sent to Experian is attached. Experian did not answer the questions in my letter and has n't removed the account from my credit report. Experian sent me a copy of my credit report. If they are unable to properly respond to my letter the account should be immediately removed from my credit report.
Product: Vehicle loan or lease

Our country is currently under a National Emergency. The State of GA is under a state of emergency. XXXX County ( where I reside ) is currently under a shelter in place and state of emergency. My job has been affected by the coronavirus. I have not been working for two weeks. I yet have to hear from unemployment. This company is the worst ever. They will not work with you in financial hardship like right with COVID-19. All they want to do is give you a 2 week payment  extension. So many other companies are deffering customer payments for 60 days or pushing their payment to the back of the loan and they refuse to help people out. They recommend getting a loan in order to make payment to them or stop paying other bills so you can continue to make payment to us. GET A LOAN TO PAY MY LOAN?!?! Crooks. Bridgecrest should be ashamed of themselves. Half the country is unemployed not by choice, other lenders are stepping up but these clowns are not.
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX XXXX immediately remove all reported late payments from my credit report as stated in 15 usc. 1681 ( a ) no transactions or experience between the consumer and creditor to be reported and furnished on my credit report. This is against federal law which over ride any company policy. Also the information on the late payments is inaccurate different lasts payment date
Product: Credit reporting or other personal consumer reports

I am filing this dispute with the CFPB regarding inaccurate late payments reported by Experian on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts are incorrectly reported as having late payments, which is erroneous and inconsistent with my payment history. I am attaching my FTC Identity Theft Report and supporting documents that detail these inaccuracies and demonstrate that XXXX is accurately reporting these accounts as " Paid as Agreed, '' while Experian continues to reflect incorrect late payments. This clear discrepancy highlights a failure to ensure the maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 

Despite multiple efforts to resolve this matter directly with Experian, these inaccuracies remain unresolved. This ongoing error has significantly impacted my ability to secure a loan critical for saving my business and has also prevented me from obtaining stable housing for my family. Experians actionsor lack thereofconstitute noncompliance under 15 U.S.C. 1681i ( a ), which mandates timely investigation and correction of disputed information.

If these accounts are not corrected in my next updated credit report, this will constitute willful noncompliance under 15 U.S.C. 1681n, exposing Experian to statutory damages of up to {$1000.00} per violation. Non-willful negligence under 15 U.S.C. 1681o also applies, as Experian 's failure to investigate or address these errors has caused unnecessary harm. I request the CFPBs assistance to ensure that Experian immediately updates these accounts to " Paid as Agreed, '' in line with XXXX accurate reporting, and provides me with a written confirmation of the corrections. I trust the CFPB will help uphold the integrity of credit reporting systems and enforce compliance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX  XXXX XXXX XXXX
Product: Mortgage

I have sent documentation to your department, however the problem was misconstrued. I am not having trouble paying the mortgage. I am having trouble with obtaining a partial release in order to sell one property with the proceeds being used to pay down the principle balance. The property to be retained more than supports the balance of the current mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with XXXXXXXX XXXX handling of my consumer request and their apparent disregard for federal law, specifically the Fair Credit Reporting Act ( FCRA ), as it pertains to my request for the removal of inaccurate accounts from my credit report.

The specific account I am referring to is as follows : ACCOUNT : XXXX XXXX XXXX - {$17000.00} - XX/XX/XXXX INQUIRY : SARMA XX/XX/XXXX I have repeatedly informed XXXX that the information contained in this account is inaccurate. The character of the account is incomplete, and XXXX  continues to report a charter amount that is both incomplete and inaccurate. It is essential to emphasize that information on a consumer report must maintain maximum possible accuracy, as defined by federal law.

Accuracy, as per 15 USC 1681e ( b ), is explicitly defined as being " correct in all details ; exact. '' XXXX XXXX reporting of the details of this account falls short of this standard, as they are neither correct in all details nor exact in terms of the amounts reported.

Furthermore, XXXX  is mandated by law to comply with the FCRA, as stated in 15 USC 1681. One critical provision, 15 USC 1681i, requires XXXX  to notify me of the results of any reinvestigation. However, they have failed to do so despite multiple requests.

15 USC 1681i ( 6 ) Notice of results of reinvestigation ( A ) In general : A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : I hereby request the CFPB 's intervention in this matter to ensure that XXXX  complies with federal law. I urge you to use your authority to prompt XXXX  to : Conduct a thorough reinvestigation into the accuracy of the account in question.

Provide me with written notice of the results of this reinvestigation within the stipulated time frame.

Delete the inaccurate and incomplete account information from my consumer file as required by law.

I believe that the CFPB 's involvement is essential to rectify this situation, protect my rights as a consumer, and hold XXXX  accountable for its noncompliance with the FCRA. I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Checking or savings account

I put in a dispute for a charge to my account which happened onXX/XX/XXXX for {$180.00}. The merchant sent the item and it was not as described. I contacted my bank once sent the item back to the merchant via USPS on XX/XX/XXXX. Chase bank in return processed the claim and put a temporary credit in my account of the {$180.00}. I just received a letter from the bank stating they will be removing the credit from my account because the tracking info shows the item is still in transit sinceXX/XX/XXXX. This is not my fault, I have no merchandise and neither do I have the money for this purchase. I would like the credit to remain in my account until we can clear up this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company began reporting the account in collections in 2012. Fortunately, this company is neither licensed or bonded in the state of Texas to collect debt. By law, they are required to remove this account from my credit report
Product: Debt collection

Jefferson Capital continues to communicate with me through mail without my permission. They called 3x per day15 USC 1692c ( a ) and were using abusive language 15 USC 1692d ( 2 ). They are violating my right of privacy. I sent them a cease and desist prior and told them over the phone to stop contacting me. They are violating me big time. This alleged debt that I do not owe. Collections agency are stepping out of their lane. I was not sent a letter to dispute or validate this debt. How did they get my information? They bought my information from the credit card issuer without my consent. They sent me a letter telling me to pay debt and get a credit card through their company. Jefferson Capital created a deceptive form to coarse me into paying an alleged debt to them 15 USC 1692j ( a ). Jefferson capital are civilly liable for violating me. I went ahead and mailed Jefferson Capital And the CFPB a copy of my documents via certified mail. I also attached the below. My documents are notarized.
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, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

These accounts are inaccurate are under litigation and under the HIPAA Act. These account needs to be closed. Not only closed but removed from my credit report immediately. 

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. 

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. 

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

15 U.S. Code 1681i - XXXX in case of disputed accuracy there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 



i need accurate data points 15usc i1681i this can not be 60 days past due, the payments were deferred for 6 months, this needs to be corrected XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, 2022 XXXX, 2022 XXXX, XXXX  Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency 60 days past due 60 days past due No update received Balance {$30000.00} {$30000.00} {$30000.00} Credit Limit XXXXYEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS
Product: Credit reporting, credit repair services, or other personal consumer reports

A couples of weeks ago. I called Transuion XXXX Asking about my credit score and why it is so much lower than XXXX. I was told by the person on the phone that my last 4 digits is being used by someone else. Supposedly they fixed the problem and said I shouldnt have any more issues. Recently I tried to make a pay pal account and was denied and the letter I was sent stated Risk of invalid Identity.I have never had this happen before. I obtained Transunion number from the internet but feel that was a fraudulent company I was speaking with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the two hard inquiries on my TransUnion credit report that were made on XX/XX/, by XXXX XXXX XXXX  and XXXX  for auto financing. These inquiries were not authorized by me, and I believe they were made fraudulently. 

As a responsible borrower, I always keep track of my credit report and make sure that any inquiries made on it are legitimate. However, I was shocked to find two hard inquiries on my TransUnion report for auto financing, as I have not applied for any auto loans recently.

I have never had any business dealings with either XXXX XXXX XXXX  or XXXX and have never authorized them to check my credit report. I strongly suspect that someone has fraudulently used my personal information to apply for an auto loan, resulting in these unauthorized inquiries.

As a victim of identity theft, I urge you to take immediate action to remove these fraudulent hard inquiries from my TransUnion credit report. I am ready to provide any additional information that may be required to prove that I did not authorize these inquiries.

I have always been diligent about maintaining a good credit history, and these fraudulent hard inquiries have the potential to harm my credit score. I urge you to take swift action to investigate and remove these unauthorized inquiries so that my credit history remains untarnished. 

Thank you for your prompt attention to this matter. I look forward to a speedy resolution of this dispute. 

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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Stonington Ct. 
Virginia XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of an inaccurate credit inquiry listed on my credit report. Upon reviewing my credit report dated XXXX XX/XX/year> I discovered a credit inquiry that I did not authorize or recognize. The details of the inquiry are as follows : Creditor Name : XXXX XXXX Inquiry DateXXXX Inquiry Type : Hard Inquiry I have not applied for any credit or authorized any entity to make an inquiry into my credit history on the mentioned date. This inquiry has adversely affected my credit score and could potentially impact my ability to secure credit in the future. 
I request an immediate investigation into this matter and the removal of the inaccurate inquiry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit bureaus are obligated to investigate and correct any errors within a reasonable timeframe. 
Enclosed with this letter are copies of supporting documents that demonstrate the inaccuracy of the credit inquiry, including any proof of identity, such as a driver 's license or passport. 
I kindly request that you provide me with a written confirmation of the investigation results and any actions taken to remove the erroneous inquiry from my credit report. 
Please acknowledge receipt of this complaint within 30 days and initiate the investigation process promptly. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is to to express my concern regarding the delay in correcting the late opening issue. It is imperative to address this matter promptly and effectively to ensure fairness and transparency in the process. 

The delay not only undermines the credibility of the process but also raises questions about the efficacy of the measures in place to prevent such occurrences. 

Therefore, I urge you to take immediate corrective action to address the root causes of the late opening problem and implement measures to prevent its recurrence in subsequent rounds. It is essential to demonstrate accountability and transparency in rectifying this issue and restoring confidence among all stakeholders. 

In conclusion, I trust that you will give due attention to this matter and take decisive action to rectify the late opening issue. Failure to address this issue promptly not only compromises the integrity of the process but also undermines the trust and confidence of stakeholders. With this, I am asking for your assistance to remove or correct this account in my credit file : XXXX XXXX Balance : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$850.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$740.00} ; 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: Student loan

I filed for an income based repayment or deferment and submitted my form electronically. I have all of the email correspondence and confirmations that the form was received, accepted and approved through the entire process. 2 months later I was denied a loan because ALL of my loans with Navient were reported late on my credit bureau. It shows still, over a year later, in excess of 12 late payments - one for each loan. 

I spent almost two hours on hold to get them to reverse what they had done. I was repeatedly told by the customer rep, then a supervisor and then another supervisor that I did n't properly submit my form although it was completed online electronically and my monthly statement showed {$0.00} due. I tried to send them the confirmations and the emails but they kept dropping my calls ( hanging up on me ). One of the supervisors did n't even notate my account. When I called back after they " had system issues that dropped the call '' I was given to another supervisor who did n't see anything the first supervisor said. It was over 30 minutes later and I was on the phone with that person for over 20 minutes and they never once notated my account. 

I have disputed the late payment on each loan with the credit report companies but Navient validates the debt. I am currently going through a federal background check for employment and they have contacted me twice now regarding late payments to the federal government. Navient 's error may cost me a job that will finally allow me to be able to afford my loan payments. I am seriously at a loss on what to do, where to turn or how to get this remedied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with XXXX and Transunion about inaccurate information on my accounts and every time the results come back accurate or verified but I am never given any proof. This same inaccuracies were on my XXXX report which was removed. I dont know why XXXX and Transunion can not follow the law and provide proof that the accounts belong to me or show me the proof that the credit validated the information. I will attached the report number and date of my last results. Please remove negative items. This shows how credit bureaus try to systematically keep people of XXXX down. It is a law and they choose not to follow it.