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

My information was shared some inaccuracies and things from someones background
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't believe that there's been an actual investigation on these accounts, and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? All the accounts listed below came back verified and updated after verified but continue to read completely inaccurate. Delete the following from my credit report and I'm now asking for monetary compensation for each violation. 

XXXX # Continues to read that I paid on time. Account charged off. DELETE XXXX # Reads paid until XX/XX/XXXX. At XX/XX/XXXX 12 days late. DELETE XXXX # Date opened XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX # in XX/XX/XXXX says paid. XX/XX/XXXX says 120 days. XX/XX/XXXX says 120 days again. DELETE XXXX XXXX # Reads XXXX different dates of activity. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. DELETE XXXX XXXX # XXXX last XXXX XX/XX/XXXX. Equifax last payment XX/XX/XXXX. DELETE XXXX XXXX # Account was opened XX/XX/XXXX. Last payment was made XX/XX/XXXX. DELETE THE XXXX # Report date XX/XX/XXXX. Last active date XX/XX/XXXX. DELETE XXXX # XXXX last active XX/XX/XXXX. Equifax last active XX/XX/XXXX. DELETE XXXX # XXXX last active XX/XX/XXXX. Equifax last active XX/XX/XXXX. DELETE FST XXXX # Credit limit {$0.00}. High Credit {$700.00} DELETE XXXX XXXXXXXX # Credit limit {$0.00}. XXXX XXXX {$510.00} DELETE XXXX # Closed account. Payments report good as of XX/XX/XXXX. DELETE XXXX # Date open XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX XXXX XXXXXXXX # Date open XX/XX/XXXX. Date of last payment XX/XX/XXXX. DELETE
Product: Credit reporting or other personal consumer reports

The items LISTED below should all be removed & blocked from my credit report under 15 US Code 1681i ( 6 ) as it has been over XXXX  days and you failed to comply.
Product: Debt collection

I attempted to file a dispute with ARS Resolutions on  XXXX   XXXX ,  XXXX  based on a debt that was already paid. I requested validation from the company supporting it was unpaid and they were unable to provide documentation all they could provide was a invoice number and balance on  XXXX   XXXX . This is not validation. I submitted a letter to all  XXXX  bureaus showing the debt was paid as of  XXXX   XXXX   XXXX  but this company refuses to acknowledge the payment. I called  ARS  on  XXXX   XXXX  and they began to provide info on my doctor visit which they should not have as it is a violation of my HIPPA rights.     I am requesting this debt be removed immediately as I do not owe it.
Product: Debt collection

Asked for proof or to validate debt never responded or sent the documentation I specifically asked for. Which results in deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Description : I need to have this deleted from my credit report because it is unverifiable & inaccurate. This company has this amount on my credit report I have sent a letter requesting it to be investigated by the prior debtor. I have contacted the new owners of the business which have stated they have a XXXX balance for me and no record found. They also provided me with the previous owners name to contact them. The company who stated that I owe them which is XXXX XXXX in PA stated they left records with new owner and have no record of NO balance owed. I've also made a complaint with the FTC, Florida AG, and Consumer Financial Protection Bureau as well because this info is in accurate I am not liable for the balance of XXXX for XXXX XXXX XXXX XXXX. I can not remember the date I submitted my letter to the collection agency but XXXX XXXX XXXX is whom I spoke with at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed Regional Acceptance XXXX letters in regards to XXXX XXXX selling me a XXXX  XXXX XXXX on a loan contract with Regional Acceptance and after doing my investigation the car had roll back mileage before it was sold to me which is not allowed to be sold in the state of XXXX I signed a XXXX at XXXX XXXX saying the car was clean title when I purchased the vehicle.. I also wrote this same letter to the XXXX  XXXX XXXX XXXX ... the dealership is no longer around due to the derogatory business they were into. I have contacted Regional XXXX 3 times XXXX mail with no response to me on account number XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

By law this company is supposed to provide a letter or notification of debt. I have 30 days by laws to dispute. This company never provided notice of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

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

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : Credit Corp Solution XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ) XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXX 's ( {$1900.00} ) XXXX ( {$240.00} )
Product: Debt collection

Letter was mailed in response to Debt Collector 's demand ; on XXXX XXXX 2015. The letter denied owing the money demanded. 
The collector has failed to verify the debt, yet since the date of my response to his initial demand ; he has attempted to subpoena my bank records ; collector has illegally obtained my social security number, and is now seeking to garnish my salary. This is all being done on a debt which the collector has failed to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

XXXX XXXX  : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

XXXX : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX  2018-XXXX 2019. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with Navient, XXXX, XXXX XXXX and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis used a database to fish out negative information on me, the consumer and sold this negative information to other consumer reporting agencies without my consent ( Chapter XXXX Bankruptcy filed XX/XX/2017 ). This is a direct infringement upon my right as a consumer to privacy. LexisNexis also did not have a permissible purpose, nor did they have written instruction to do so. I have sent a letter via certified mail to LexisNexis advising of the following violations, and I have asked them to cease and desist of these actions immediately.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction Please see the attached certified mail receipt, along with proof of delivery and the letter sent to LexisNexis XXXX 

Thank you in advance for your time and assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent my dispute letters for the accounts and for the hard inquires to XXXX XXXX, Eqifax and XXXX on XX/XX/2021. I have not heard back about my dispute or with the inquires. I sent the letters asking that the inquires be removed from my profile because I did not approve them. I am not able to get the issue fixed. I have waited over 30 days and have no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine. 

XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXXXXXX : Present Employee : As XXXX XXXX XXXX XXXX  Present Employer : XXXX XXXX There is no XXXX Staffing plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the XXXX was confirming this names they would no there not right there is no staffing temple as stated. 
XXXX is all Hospitals which they have several there not no staffing company. 
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX no such address nor have I ever live there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong this is a condo not an apartment XXXX  updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint to inform you that the Credit Bureaus should resolve this issue. The current status should not be showing late because I paid it on time.The Credit Reporting Agency lacks proper record keeping. The accounts are open and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Kindly provide me a documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts immediately : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.
Product: Debt collection

I already filed a complaint against the issuer XXXX XXXX XXXX. This is against their collection agency who is harassing me. The credit card was under my corporations name, XXXX XXXX XXXX, which filed Chap XXXX in 2011. I never agreed to, nor signed, any personal guarantees on this debt. This whole process is unfair, unethical and illegal
Product: Credit reporting or other personal consumer reports

i disputed accounts on my credit as inaccuate and i have no knowledge of those accounts. The accounts i reported as inaccurate were not investigate or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX and XXXX  XXXX XXXX XXXX XXXX has two fraudulent accounts on my XXXX  and transunion credit reports, these accounts are not mine please remove these accounts, my name has been used and compromised, im filing this complaint and attaching a ftc identity theft report to this complaint, I am now suing several companies for opening accounts with out my permission, I will seek legal action if not taking off my credit reports Transunion, do not ignore this ftc identity theft report it acts the same way as a police report, it is signed be me and it has a case number attached
Product: Debt collection

I received a letter from Spring Oaks Capital about a debt I allegedly owed. I have never done business with this company before, so I sent them an email asking for debt validation to their provided email. I havent received anything from them and they reported this account on my credit reports. This is a violation of FDCPA because they are reporting an invalidated debt. I believe this is a fraudulent account because they still havent sent me any form of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless appeal that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm stimulating have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$43.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00}
Product: Prepaid card

They lied several times and ny several different representatives of Netspend stating that they will refund immediately with information that was provided, then they said they would hold my {$100.00} for 30 days from a charge that the other company release the {$100.00} from purchase error but Netspend still hold my {$100.00} which NO other financial institution hold your money for 30 days after I have recorded proof they said it would be released IMMEDIATELY 2 TIMES BY 2 DIFFERENT WORKERS FROM NETSPEND XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be blocked and deleted company information from XXXX. 

Please delete the following items 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: Checking or savings account

I recently opened a checking account with M & T Bank online depositing {$25.00}. XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX eposited a loan amount of {$850.00} on XX/XX/2019. 

M & T Bank stated that is a fraudulent Company and check and put a block to my online access to my checking account. They claim XXXX XXXX check will not clear. 

HOWEVER : I repetitively tried to communicate with representatives of M & T Bank. 

AND THEREAFTER : XXXX XXXX deposited {$900.00} today, XX/XX/2019 and M & T I have employment training to attend shortly and bills to pay. M & T stating my available balance is over {$1000.00} yet they in addition put a Hold on my account AND stated I will have to wait ONE to TWO weeks for their Investigator to call me. FRAUD!!!!!!!!!!!! 

I have very important payments to make and begin my training & employment. This is IMPERATIVE that M & T allow me access to my monies. I had a previous account with M & T Bank, XXXX, NJ just a few months back and as I was forced to not continue work at the time, I had to close my account ; there was never any problem. Please assist. 

Please press Complaint & Fraudulent Unlawful Withholding of Monies against M & T Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not updated information to Experian and XXXX with my accounts. I received a letter stating this would occur but, it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Experian and XXXX XXXX XXXX several times disputing the inconsistencies in my credit report. They continue to update false information. In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested Experian, XXXX, and XXXX to reinvestigate this account. To date XXXX has been the only company to properly investigate this account and delete it : However, Experian and XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, closed date more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts if it isn't reporting correctly. Also. 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. 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. Also, the credit agencies are not in compliance with metro 2 credit reporting. I have attached evidence for my case.
Product: Vehicle loan or lease

My wife purchased a new vehicle through XXXX and her loan was set up through Northwest Bank. When she set it up, she was told she would be sent information in the mail with account number information on how to set it up. She never received this information and when she called to try to pay over the phone, she was told she couldnt because she didnt have her account number. This went back and forth for months ( they called me and harassed me multiple times on my work phone too ) and anytime wed call to try to pay, they werent able to help us. We finally connected with someone about a month ago and they told us your car is in repossession status and you have 2 days to send us a cashiers check for roughly {$2600.00} or else your car will be repossessed. They told us they had sent something in the mail about this ( which we never received ). We told them we had tried to pay for months but their agency was extremely unhelpful/rude/condescending and werent able to help us pay. The car is paid up-to-date now but this saga crushed both of our credit scores which is extremely unfair. My credit history was spotless before this situation happened and they havent done anything to rectify it. Please help me and my wife as we dont feel that its right for our credit scores to be impacted like this. I have personally seen a drop of between XXXX points which is insane. Please help!