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

Upon reviewing my updates, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account specified below continue to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to Equifax credit bureau last XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not confirm this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights under XXXX XXXX XXXX section XXXX states I have the right to privacy XXXX XXXX XXXX section XXXX section XXXX also states a consumer reporting agency cant furnish an account without my written instructions. 
XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
View attachments below
Product: Debt collection

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 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

The lender conducts very predatory and malicious acts. The lender failed to mail notice/information regarding right to redeem the vehicle and list the outstanding balance, fees, and issues that must be satisfied including the deadline. The lender failed to provide the notice once the vehicle was auctioned with the amount sold or recovered from sale. The lender reports interest monthly increasing the amount of debt each month to credit bureaus despite the account being closed. They lender is reporting inaccurate data to credit bureaus monthly. The lender flags the account monthly to credit bureaus despite the account being closed in 2020. The lender is violating every single FCRA law and needs to be penalized for such offenses.
Product: Vehicle loan or lease

The account with HARLEY DAVID with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX, I would like to request for complete payment on this. Also, the balance says that I have zero balance. I'm not sure if the XXXX Bureaus have conducted a thorough investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Experian for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until XXXX..
Product: Debt collection

On XX/XX/XXXX, I spoke to XXXX & XXXX in reference to the account and was advised that Sequiem Asset did not hold the account. Sequiem Asset has continued to report falsely to all three credit bureaus that money is owed to them when that is not true. I contacted Sequiem Assets on XX/XX/XXXX to request that they correct the erroneous reporting on my credit report and they refused. At the onset of the call, the representative was in full collection mode knowing that XXXX XXXX XXXX had pulled this account back from their agency but they are continuing to try and collect from an uncollectible account..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and filed a report with the FTC. 
I have been disputing these fraudulent accounts on my credit report now for a long time. 
These companies have been unable to provide any written contact with my signature and have been unable to validate the debt. 

XXXX  XXXX XXXX / XXXX XXXX XXXX {$1000.00} Account number XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX {$3500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} Account number XXXX I have attached a copy of my identify theft report
Product: Checking or savings account

On XX/XX/XXXX I moved to AR from NY. There are no Chase branches or ATM machines here. I have been Chase checking customer since XXXX  ( I believe ). I called Chase to close account on XXXX and I followed up with secure email through their website with the request. I was told that I will get remaining balance check to my new address that the rep changed. I have not received any check and today is XXXX. I tried logging to my chase account which should still be possible since I have a credit card with Chase that was listed under my login and the mortgage application that was also accessible after logging. It turned out that Chase decided to wipe out my account and not just checking. I lost access to email history, statements and mortgage application. They revoked my access all together. I tried calling but none of reps were willing to deal with issue so they got me transferred were noone picked up phone and then got disconnected. I filed BBB complaint and nearly XXXX weeks after XXXX  complaint received call from executive office ( I believe her name was XXXX XXXX XXXX ext XXXX ). She asked me several times for my name and address they have on file. I told her she can access my emails and requests to verify information requested. She said she works for XXXX office and has no access to check anything on my account then started telling me she cant hear me and hang up. She didnt call back after claiming bad reception despite having my contact from XXXX  and calling me before. Why is Chase hiring people or assigning people to cases that are not capable of helping and resolving issue? Is Chase withholding money to make interest rate? I think that Chase should be addressing issues promptly with satisfaction and not delaying given the access to information this bank has they shouldnt be making any issues and their reps whether executive or not should be able coordinate assistance to customer satisfaction and not treat you like trash and unworthy of any help.
Product: Debt collection

What adds an extra layer of bewilderment to this situation is the claim by your bureau that the fraudulent account has been verified. I find myself questioning the very fabric of reality, wondering how such verification could occur when I, the purported account holder, have absolutely no connection or binding with the said account. It's like claiming to have seen a unicorn in the backyard ; it simply defies the realms of logic. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I want to reiterate, in no uncertain terms, that this fraudulent account must be removed from my credit report immediately. It was disputed on the grounds of being unauthorized and fraudulent, and the lack of resolution or communication from your bureau has only intensified my frustration. It is baffling and somewhat surreal that, despite my assertions and the mandatory XXXX window stipulated by the Fair Credit Reporting Act ( FCRA ), there has been no resolution to this dispute, nor has there been any indication that your bureau has undertaken a thorough investigation into its legitimacy. 
XXXXXXXX XXXX  XXXX -PLEASE DELETE!!! 
The failure to resolve this matter within the mandated timeframe is a clear violation of my rights as a consumer, and I will not tolerate the continued reporting of inaccurate and fraudulent information that tarnishes my creditworthiness.
Product: Vehicle loan or lease

On the day of XX/XX/18 a contract was signed with Capitol One Auto loan for a auto loan that was for {$17000.00} that was misleading and false representation of the amount of the debt violating consumer rights ( 15 USC 1692e ) if there is any debt owed the amount should be shown in the negative amount. These amounts are allegedly owed by the consumer showing in the positive. Unfair practices by the debt collector have also been taken ( 15 USC 1692f ) the debt collector failed to send the consumer 3 of the 5 written notices upon notice of debt ( 15 USC 1692g ) ( 3 ), ( 4 ), and ( 5 ) the auto contract also states under the section Security Interests ( the security interests you are giving us secures all amounts owed by you under this contract and all other agreements you have made in this contract ).
Product: Credit card or prepaid card

Had about 10 credit cards attempted to be open in my name. Everyone denied these attempted fraudulent card applications besides American Express they issued a credit card in my name and sent it to me this card then was used to cash advance XXXX $ then a payment was applied according to American Express neither of which i did and i am not sure who would open a fraudulent card to then pay on the card makes no sense.
Product: Prepaid card

I called Direct Express on XX/XX/2024 to dispute charges to my account made multiple times daily for the month of XXXX and two days of XXXX. They wanted a letter within ten days showing the disputed charges. I printed out my account information, marking all disputed charges. There were a lot of transactions, to which it cost me almost {$30.00} to send, to make sure they got. Meanwhile they deposited some money back into my account. Then I received a letter from them saying they determined the charges were authorized. I don't how they prove authorized charges that I know I didn't authorize. I would take a polygraph test, that's how sure I am. The charges were from XXXX XXXX, XXXX, XXXX XXXX, And XXXX/bill. The XXXX charges I understand are for gaming, I'm XXXX and in XXXX, I don't play games! The XXXX charges I don't know but I do know I don't even have an XXXX. All of this has rattled my nerves. Finally I went and drew the money off my direct express card. To which now they are starting to reversal debit adjustment. Which now my card has a negative balance. I can't just let this go I'm on a fixed income. Anybody thAt knows me knows I don't mess around with money foolishly. Please help don't know where else to go. Thank you. Also it is impossible to talk to anyone with this company. They will let you stay on hold 7 days a week, 24 hours a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account is in XXXX balance and it does show a balance of XXXX
Product: Debt collection

I entered into an agreement with XXXX XXXX the company that GM financial hired to collect a debt for a vehicle that was reposted. The agreement was to make three payments in the amount of {$1400.00} totaling {$42000.00} to settle and close the account. Payments began in XX/XX/2019 with the first payment in XX/XX/XXXX, second payment in XX/XX/2019 and the final payment was made in XX/XX/2019. I received a letter from XXXX XXXX XXXX via email and standard mail stating my account has been resolved and closed in XX/XX/XXXX. I contacted both XXXX and GM Financial to have the information updated correctly. 

My issue is the information that GM Financial is reporting to the credit bureaus does not accurately reflect the agreement made between me and XXXX XXXX and it also indicate son my credit report that I still owe GM Financial {$6300.00}. I made three payments in XX/XX/2019, XX/XX/2019 and XX/XX/2019 on time as agreed with XXXX XXXX however GM Financial reported all three of those payments to the credit bureaus as a failure to pay. Currently the account on my credit report also indicates a past due balance of {$6300.00} despite the fact that I have resolved and paid the full amount all involved parties agree to. 

I am requesting that GM Financial remove the account in totality from my credit report with all three crediting reporting agencies.
Product: Credit reporting or other personal consumer reports

Hello, I swapped jobs and though this load was paid off. I was never contacted that the load was still active or going into collections. Once this showed up on my credit report which dropped XXXX points is the first time I knew this was open. I paid the balance right away and now would like to have this deleted from my credit. 

I'm a XXXX XXXX  and the company not contacting me and destroying my credit is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Discover regarding a late payment listed on my credit report for XX/XX/2018. It is inaccurate and they are not wanting to remove it from my credit report. I was XXXX XXXX during that time, and I am a veteran now trying to get a mortgage and they are damaging my credit worthiness. Ive asked for validation and received nothing. The representatives on the phone are very rude and no help at all and do not even care that Ive served for this country. If this is not corrected I will end the relationship with Discover immediately.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently reported late on my XXXX account. I made a very small purchase and later exhanged/returned items. It was my understanding explained to me from the cashier that I did not owe a balance. Therefore, this small balance slipped through the cracks and ultimately caused me to be late. This is an honest mistake and I kindly ask XXXX to reverse the late payments as a sign of good faith and goodwill. My credit is suffering from this honest mistake and I am unable to get reasonable financing terms for day to day living expenses. Please help with removing the lates associated with this account.
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. 
XXXX XXXX XXXX XXXX  credit card : Acct # : XXXX, has violated my rights. 


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: Debt collection

Received a random letter from this company whom also obtained a copy of my XXXX credit report stating that this debt is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a I phone through XXXX  on XXXX XXXX XXXX  and a I phone case I canceled the order within a few days after ordering and was not told by XXXX XXXX who was the financing company ( 2 years no interest ) that they added a XXXX credit to the account for going through them for financing. Even though I never received the phone and canceled the order they kept billing me for this XXXX credit. I was unaware of this as my XXXX account showed a XXXX balance. Finally, after many calls to a XXXX XXXX customer service rep I was informed that this credit was simply a matter of me telling them to release credit back to them? Due to this unorthodox scheme between XXXX and XXXX XXXX and the fact that they reported this as a missed payment my credit rating dropped by over 65 points. This scam by XXXX XXXX needs to be stopped and any credit that they give the customer on a cancelled order should automatically by removed from the account Please help I have worked very hard to keep my credit rating up in the excellent score range Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on forbearance with Navient and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 
Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was out of work in XXXX of XXXX for one month. I missed a credit card payment, and they reported me to al three credit bureaus. I did send them a letter asking for a " goodwill '' adjustment. I have not heard from them. This letter was submitted on XX/XX/XXXX. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Date Opened : XX/XX/2020 Balance : {$360000.00}.
Product: Student loan

I previously filed a complaint against ATG Credit for not willing to get a corrected amount for a loan they were collecting on. They responded to the complaint that they would find the correct amount and bill me appropriately. It has been 4 months and they still have n't contacted me. When I try to call them, they look up my account number and put me on hold for over a half an hour each time and no one ever picks up. I have even emailed them and receive no response. They believe I am not aware that there are XXXX separate loans but I am and have been paying towards them XXXX for several years. They are trying to charge me the initial amount that the loans were first taken out for and not the balance i owe now.