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

XXXX and World Finance continue to report inaccurate information. I have exclusive equitable claims to my financial asset which is the contract that is the security for this transaction. I do believe World Finance has failed to accurately account for this transaction. The equitable interest payments and principal balance are due to me and World Finance is responsible for the taxes. Because I know World Finance has failed to provide a return on my investment I am notifying the Internal XXXX XXXX to audit this account to ensure accurately. XXXX should not be reporting any late payments on this account as the interest is supposed to settle any amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results. 
I was involved in Equifax Data breach.
Product: Debt collection

Dont know the charges and how it got to collection without knowing it. Misrepresenting the nature of the debt, including the amount owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/2022 I received a tax escrow analysis from SLS that was in accurate. The payment each month has increased by {$500.00} and will increase again by another {$300.00} soon due to miscalculations from the tax department. I have called every XXXX or XXXX weeks for the past XXXX months to try to get this issue fixed. I get the runaround constantly and am transferred back and forth between customer care and tax and escrow departments and no one gives me any answers. I have escalated the issue to a supervisor with no response multiple since the tax department is not able to complete basic math. My property taxes are {$7100.00} and they are charging me double and will not fix the error as hard as I try to get an answer. The customer service for this company SLS is the worst Ive ever experienced and Ive had XXXX mortgages in the past. They tell me to call back when theres a supervisor and then the supervisor transfers me to customer care, and I have spent hours on this issue I dont have an extra {$800.00} each month to pay to my mortgage that they will keep and refund me in a year. I can not get a resolution from this company and Im very concerned about the fees and can not get any assistance.
Product: Money transfers

Western union failed to say that if i use a credit card to process my transaction it will cost me money from my Credit card as a cash advance
Product: Credit reporting or other personal consumer reports

As per my written request of XX/XX/year>, the following debt collection agencies and credit bureaus have ignored my request and ignored the law by not submitting to my request for debt validation of the debts being reported on my credit report. 

the DEBT COLLECTION companies in violation of the law include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RCS XXXX
Product: Credit reporting or other personal consumer reports

I filed complaints about false information appearing on my credit report with XXXX, XXXX, and Experian. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than sixty days. Copies of every letter sent are attached below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this col
lection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file : the items I selected are listed in the report I am a big team to identify theft and I did not make the charge. I reported the theft of my identification to the XXXX XXXX XXXX and I also have enclosed copies of the federal tray, commission identification, theft and affidavit. Please delete this item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Disputed My Personal Information Such As My Name, Employer, Etc. With XXXX, XXXX, XXXX, But They Keep Refusing To Fix It According To 15 USC 1681 I Did Not Give Anyone Written Permission To FURNISH It In My Credit Report.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for the credit bureaus to reinvestigate the reporting of this account. I sent letters to them on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 but the account was not investigated properly. 

Equifax is not providing complete information and the monthly payment and limit. There are also multiple 120-day late payment in the payment history which are wrong.

XXXX failed to include the monthly payment and limit. The payment history shows multiple CO marks which are inaccurate. Why do they report this as collection/charge off when Equifax reports this as Late 120-day? Clearly, this shows inaccuracies.

XXXX also missed reporting the monthly payment, credit limit and payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a year to fix it! I did make an FTC report and police report and ID theft. and still no resulution from Experian and XXXX  even XXXX.
Product: Debt collection

XXXX XXXX, 2023 I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C.

1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

This never occurred during or after 30 plus day investigation by debt furnisher. 

Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Seterus Inc. Account # : XXXX I was never late 30, 60, 90, 120 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing only on this account the payment history. This account is fully accurate pertaining to type of account, balance, date opened and date closed, Last reporting and last payment date. All of this information on this account is accurate but the payment history is inaccurate. 


AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX  TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN XXXX NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports from XXXX, XXXX Equifax etc. and noticed my account with inaccuracies that I was never seen. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never had inaccuracies like this for XXXXXXXX XXXX  XXXX account XXXX Please investigate and provide Proof with statements If proof can't be provided, I demand these payments be updated to on time as they should be as I was never Late. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is reporting an inaccurate collection account on my credit report in the amount of {$19000.00}. This is not my account and I have disputed this account several times with the credit bureaus and the creditor. Santander Consumer USA agreed to a settlement agreement of over {$550.00} million dollars in relief to consumers as well as well as deficiency waivers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cbna Inquiry from XX/XX/XXXX All Banks This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this credito
Product: Credit reporting or other personal consumer reports

I opened an Apple Card G S BANK account back in XX/XX/XXXX, while on vacation in XXXX I received a notification by phone of an attempt of an unauthorized charge to my account on XX/XX/XXXX, I immediately called Apple Card member services by prone and had the representative close the account, there was never any charges made by me or posted to the account it always remained with a {$0.00} balance for the time it was open from XX/XX/XXXX to XX/XX/XXXX. 
I filed for XXXX XXXXXXXX Bankruptcy in XX/XX/XXXX and received the final discharge XX/XX/XXXX. 
Beginning in XXXX of XXXX Apple Card G S BANK started reporting my account with all credit agencies as DELINQUENT, CHARGED OFF IN BANKRUPTCY and DERROGATORY. 
I have logged more than XXXX calls to different supervisors in the XXXX department of Apple Card and the agree with me that their information on file is correct, never had a balance {$0.00}, opened XX/XX/XXXX and closed at customers request on XX/XX/XXXX but they can not figure out why my account is being reported as XXXX in Bankruptcy, Derogatory and Delinquent since it never had a balance, I never had to make a payment to them, and there was nothing to charge off. 
The Apple Card - G S Bank account is not mentioned in my bankruptcy fliling and they never made a debt claim either, attached please find court document.
Product: Credit reporting or other personal consumer reports

U.S. Code 1681. I never gave anyone or business a written consent to furnish or obtain any of my information. Please remove XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to dispute 2 late payments on my School First Credit Union - Credit Card. 
for XXXX and XXXX. I was in a XXXX XXXX XXXX XXXX XXXX I've also asked the Treatment Center for Documents to prove I was there but they can only e-mail the documents because they don't want to release information and break HIPPA Law.

Schools First can't provide me an e-mail so it's hard to dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian started a fraud alert on my credit without notifying me that they did this. I spoke with a CSR and it was suppose to be resolved. I just got denied a credit account as Experian is showing a false credit history, the Fraud alerts that is still on the account and now they have made it so I can't log in. Unfortunately 3 years ago we did have to file bankruptcy which cleared all of our negative credit issues, Experian was notified of this and is still showing the delequint accounts and is refusing to resolve the issue. I have already spent many hours on this issue with them and they refuse to resolve the issues. This is criminal behavior to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX BANK OF AMERICA XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, XXXX, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on BANK OF AMERICA WITH NO Account number XXXXXXXXXX with a balance of {$64.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

MIDLAND CREDIT MANAGEMENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA. 

MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX ACCOUNT : XXXX XXXX XXXX XXXXXX/XX/2024 NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 


Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. 
IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX
Product: Debt collection

Several years ago I had taken out a credit card through XXXX ( XXXX ). I fell on hard financial times and was unable to pay off the debt. I made payments of {$50.00} when I could but was still not enough and they sent it to collections. After XXXX other companies had the debt ( which I did not know about ) midland credit management picked up the debt. I 've attempted to work with them for the past month and have continuously spoke to a woman named XXXX. After realizing she was unwilling to help or answer any questions I had I requested to speak with her supervisor. A woman named XXXX ( who I believe is still XXXX/same voice ) begins telling me that they can no longer work with me because I have failed to make any attempt to solve the debt which is not true. I explained everything to her and nothing was said other than I can solve this debt today or I will be sued over this. They are rude and have tried bullying me for the last month. What do I do? 
I 've done some research on MCM and they are currently in a lawsuit for similar situation.
Product: Debt collection

National Credit Systems Inc is reporting on my credit report that I owe them {$3400.00}, when I first researched the company I notice for XXXX they are not authorized to collect debt in my state of Arizona. Secondly, I have no obligation to pay them and I have no contract with National Credit Systems Inc.
Product: Debt collection

Capital one Bank is constant sending me email and text msgs about a few closed accounts. 

With this I request Capital One to stop with the day in day out harassments and accept my settlement offer...