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

I HAVE ASKED EXPERIAN TO SHOW ME PROOF THAT I HAVE A BANKRUPTCY OR REMOVE IT FROM MY REPORT. THEY ALSO HAVE INCORRECT AND INACCURATE INFORMATION. FURTHERMORE I DEMAND THEY REMOVE ALL THE INFORMATION IMMEDIATELY OR I WILLL FILE A GRIVANCE WITH THE COURT, INCLUDING DEFAMATION DAMAGES.
Product: Student loan

I have been dealing with Navient for a year and getting different information from different people is getting exhausting. I spoke with a member of the customer service XX/XX/XXXX for a due date change. He could not help me so he transferred me to another department. I got transferred to XXXX different people that day and no one helped me. I got a call from consumer relations on XXXX/XXXX/2016 to resolve the due date change. They agreed to change my due date effective XXXX/XXXX/2016. He also said that because I had just made a payment, I would not have to pay again for XX/XX/XXXX, and I would n't need to make a payment until XXXX/XXXX/2016. Well ... I got an email XXXX/XXXX/2016 that I was still past due. I called to find out why, and the due date change went into effect for XXXX/XXXX/2016, so according to the system, I was past due. I made a payment on XXXX/XXXX/2016 and the representative informed me that she would pull the call from when I spoke with customer relations for the due date change, and follow-up with me in 5 days with what they heard as to whether or not he did in fact tell me that I would not have to pay anything else from XX/XX/2016-XX/XX/2016. I still have not heard anything regarding this and I do not want to call Navient, because I will only get the run around.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Hide Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX , NV-XXXX Account Number : XXXX Status : CHARGE-OFF Account Owner : Individual Account. High Credit : {$850.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$500.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : N/A Creditor Classification : Activity Designator : Transfer/Sold Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Credit Card Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Charged off account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA-XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$25000.00} Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan. : Installment Credit Limit :
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, failed to delete XXXX XXXX XXXX  account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. XXXX  is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing XXXX XX/XX/XXXX XXXX and Equifax is showing ( XX/XX/XXXX ) additional information : all 3 credit bureaus should report 1 date of last activity because its coming from 1 Creditor.
Product: Debt collection

Account in question : XXXX  This account has several issues that I have tried to get resolved. This account is reporting open when it was closed back on XX/XX/XXXX of XXXX as you can see in the document that I have attached. This account was charged off back on XX/XX/XXXX of XXXX yet it has been reporting 30 days late for the past 3 years. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
As you can see of the attached document, it was reported 30 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
. I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After disputing this account 4 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  not reporting company caused me to have a lower score that violated my FCRA. rights 15 % of credit reports score rely on payment history length have them correct the paid off accounts that aren't reporting as even any kind of history Toyota motor credit ( 5 ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX If you look at the report I just applied for a mortgage that I was turned down costing me a great investment property CFPB was put in place to make sure the company did their jobs. The company still harmfully violate our rights costing consumer Billions of dollars not millions
Product: Debt collection

I have previously contacted you in regards to credit cards that were opened in my name due to identity theft. You stated that your investigation shows this is my account due to a fraudulent address, phone number and email. ( XXXX XXXX XXXX XXXX, XXXX, XXXX. ) which were all included with the identity theft report submitted and the signed affidavit. Furthermore, why would you deem one as fraud and not the other. I have made it clear to this company that my identity was stolen and several accounts were opened in my name including checking accounts, emails, addresses, phones, vehicle loans, personal loans, etc. I have never called about any card with this company accept for the fraud investigation department, so you have never spoke with me in regards to verifying anything.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are wrong. 

XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX, IN XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2019 XX/XX/2019 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am not participating in the collection of this alleged debt. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Upon reviewing of my credit reports I have come across the account that you are negatively reporting on my credit report ( XXXX ). Upon further investigation I have discovered that you are claiming to have charged-off this account. I am writing this correspondence to request my 1099-C that is associated with this charge off that is in their books. This has been owed to me because the debt that you charged off was more than {$600.00}.
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 involve 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/2021 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.
Product: Mortgage

Ocwen will not except my payments and they continue to add interest. I also lost my insurance which I had for XXXX years because of their faulty actions. I am also receiving misleading information. This is causing my home to be foreclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.
Product: Credit reporting or other personal consumer reports

Ive resent my previous letter informing this company I received a copy of my credit report, and noticed some late payments that still needed to be corrected. I was never late and they failed to provide documents that proved that I was late. 
Clearly, prohibition means something that is not allowed. This law says a person ( this company ) 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. 
Lets look at has reasonable cause to believe that the information is inaccurate. 
I CLEARLY showed them in my previous letter that they have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that they've violated, therefore the information being inaccurate! This is a violation of 15 US Code 1681s-2.

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave this organization permission to report my information. This is a violation of 15 US Code 1681a ( 4 ).
Product: Debt or credit management

On XX/XX/2023, I sent Transunion two letters regarding my personal information being updated and disputing some accounts on my profile. I did not receive a response from them. I know by law they are permitted a thirty-day window to respond and Transunion has failed to comply.
Product: Debt collection

Re : SPRING OAKS CAPITAL LLC XXXX To Whom It May Concern : I am writing in response to your response to my dispute on XXXX, regarding the alleged debt on the above-referenced account. I am formally requesting that you immediately cease all collection efforts on this account until you can provide conclusive proof that you complied with all relevant debt collection laws and regulations. 

Specifically, I demand that you provide evidence of the following : Proof of Mailing : Provide a copy of the actual letter you claim was mailed on XX/XX/2022, along with a certified mail receipt or other evidence demonstrating that it was sent to my correct address. 
Validation of Debt : Provide a detailed breakdown of the debt, including the original creditor, date of origination, amount owed, and any interest or fees accrued. 
Failure to provide this evidence within 30 days of the date of this letter will be considered a violation of the following laws : Fair Debt Collection Practices Act ( FDCPA ) : Failure to provide validation of the debt within 30 days of my request. ( 15 U.S.C. 1692g ) Continuing collection efforts without providing proof of the initial communication and my right to dispute the debt. ( 15 U.S.C. 1692g ( a ) ) New York General Business Law 349 : Engaging in deceptive or misleading practices in the collection of consumer debts.

New York City Administrative Code 20-701 : Failure to provide notice of the consumer 's right to dispute the debt and request verification. 

Please be advised that if you continue collection efforts without providing the requested evidence, I will not hesitate to pursue all available legal remedies.
Product: Credit reporting

I HAVE INCLUDED THE POLICE REPORT AS WELL. THIS IS THE FOURTH TIME THAT I HAVE HAD this is in response to clarify in simpler terms what my dispute with Chex-System is about. I requested Chex-System to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED AT:XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) I AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXI have also attached the police Report that I have filed here is XXXX I will forward you the original version of the police report when I receive it on XXXX/XXXX/15. I have filed for ID Theft protection because there is no way I can leave in XXXX different states a XXXX time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


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

Great lakes educational loan services has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.
Product: Consumer Loan

I have an auto loan with Citizens One Auto Finance of XXXX, RI. My loan is current to date and always has been. I have an excellent credit score of the high XXXX/low XXXX. My loan has no pre-payment penalty clause. This is where the problem starts, on four separate occasions to date I have sent payments for principal only to be applied ( when my bank provided remittance slip shows {$0.00} due ). I put the amount in the Principal line and they repeated ignore this direction and continue to treat it as a regular monthly payment and split the payment as interest and principal. In addition this bank makes it very hard to make a principal only payment, you can not do it via their on-line loan payment tool, you can not do it via my own bank 's pay bill by putting " Principal Only '' in the memo field, and apparently they ignore the information on their own bank provided remittance slip. 

When i call the bank it has been a mixed bag in getting anyone to do anything. One representative told me this is not like a mortgage ( whatever that means ) and that the bank will always split to get the interest they are due. Others tell me they will put a work order in to have the transaction corrected. 
This sounds and seems very much like a back handed way to get around the no-prepayment penalty portion of the contract. 
I have never dealt with a consumer finance organization like this that makes it exceedingly difficult to reduce your principal amount. Right now it is a stalemate. I never pay bills via check and the postal service any longer except for this bank. So now I have to write a check, send in the remittance slip, pay the postage, and then login to their online portal after payment is received and see that they took the interest out again. I call their call center, complain, and hopefully get a rep that understands the situation and backs out the transaction. 
Please look into this, if they are pulling this stunt on financially able consumer like myself, what are they doing to the less fortunate. 
I smell a rodent here. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 15 USC 1692g,15 USC 1666b,15 USC 6801,15 USC 1681A2 , 15 USC 1681S-2 . 
This is not my account. This is being reported in error. FCRA requirements met and pursuing litigation. All data furnished, inconclusive and not accurate. Past the XXXX days to acknowledge the violations of FCRA, therefore immediately remove. 
Under FCRA Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation into disputed items within 30 days of receiving notice of the dispute. The failure to comply with this provision constitutes direct removal. 
15 USC 1681S-2, 15 USC 6802 , 15 USC 1681 ( a ) ( c ), 15 USC 1681C-2 , 15 USC 1681A2 ( ai ), 15 USC 1681 Section 602 , 15 USC 1681 Section 604A ( 2 ), 15 USC 1681a, 15 USC 1666B I dispute inaccuracies on my credit report citing FCRA Sections 611 & 607 ( b ). Request prompt investigation and correction. Provide written investigation results and updated report. Prepared to seek compensation for non-compliance. Ensure FCRA adherence.
Product: Checking or savings account

I was trying to make a Internet purchase earlier during the day to see that it kept declining my transaction. I log in to see that both my checking and my savings account were both closed down. I call them and they said they made the decision this morning and they didnt have to notify me that the account was closed down. I asked why the account was closed and they said they can close it at their discretion and they can close it whenever. I have been a customer since I was a teenager which is messed up. Yesterday I went to the physical bank because I just got a new digit card last week and my pin has not been working so they reset it at the branch and they didnt even say anything there Bank of America
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 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opp loans Acct # XXXX Opp loans Acct # XXXX Self lender Acct # XXXX These accts are paid off. I ask that you removed these accounts immediately feom my report immediately Social security # XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute two unauthorized hard inquiries that appear on my Experian credit report. I am requesting that these inquiries be removed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize these inquiries, nor did I apply for credit with XXXX XXXX  on these dates. As such, these inquiries are inaccurate and should be removed from my credit report. 
Under FCRA Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation into this matter and remove any information that is found to be inaccurate, incomplete, or unverifiable. I request that you : Investigate these unauthorized inquiries Remove them from my credit report Send me an updated copy of my credit report showing that these inquiries have been removed Please note that under FCRA Section 611 ( a ) ( 1 ) ( A ), you must complete this investigation within 30 days of receiving this dispute.