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

I have submitted multiple request to update my loan information with disputes. I've provided documents and I have been on the phone with 3 people XX/XX/XXXX for about 2 hours with XXXX. 

I'm getting denied credit because of their error... they have the XXXX payment showing at {$1500.00} and it is not correct... it's should be {$0.00} until XX/XX/XXXX.. next year and then it will go to {$470.00} ... this is hurting my debt to ratio and killing any changes of my being able to get credit. 

XXXX had my income incorrect... I was able to manually correct that ... but the monthly payments can not be changed. See the attached document for the details. 

NOTE : Please send this information to all the Credit Bureau 's ... so that we will be sure that all will be resolved soon... if there are issues. Thank You, XXXX XXXX XXXX Cell
Product: Debt collection

On multiple occasions over the course of   XX/XX/XXXX   and  XX/XX/XXXX  I have made several phone calls and written letters regarding my debt and payments on my account and at every occasion the representatives have bullied me into payments I 've told them numerous times I can not afford they have even canceled several of my payments and mailed back the check and letters I 've mailed them. I have requested they send my account back to the original creditors because I no longer want to deal with them because of their methods to squeeze more money out of me than what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon an investigation by the CFPB and supplied to the state attorney general, the creditor agreed to remove a late payment from the account. ( I will attach the CFPB documentation from the creditor ). Specifically, page 3, creditors statement of removal.

This late payment was wrongly placed on the report while on deferment for COVID affected status, thus wrongfully and illegally going against federal law.

However, although it shows no late payments, Equifax will not remove the negative inquiry and failed to conduct due diligence and read the removal request from the XXXX XXXX. 

Equifax will not accept the creditor 's statement to remove the late payment. 

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

I have been trying to resolve this matter with Santander since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.
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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Debt collection

I have been paying on this account for 3-4 years and once I lost my employment, I contacted XXXX XXXX ( XXXX XXXX ) and informed them and they were not open to any agreement. No matter how many payments I made, they continously added on late fee payments. When I did make payments on the XXXX XXXX Website, the payments were not found on their website or missing. When I was unemployed they continued to add fees which made it even more difficult to continue paying off. I have paid the amount in full if not more. Midland purchased this account and are claiming I owe WAY above what I feel I owed. They have already started harrassing me with phone calls and threats to pay. I am currently working from home trying to maintain a job as my current company has shut down due to COVID19 fears. This is not the time to harrass people over paid debt when the ecoomy to trying to stay afloat. I've sent Midland communications to cease and desist on collecting and that I dispute the validity of the debt and all my communications have been ignored. They sent me communications with already threatening me to pay or they will put a negative mark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORT THE CREDIT COMPANIES HAS THE ACCOUNT AS CHARGED OFF, I ASKED THEM FOR 1099C DUE TO THEM CHARGING THE DEBT OFF ON THEIR TAXES. 

XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Dear XXXX, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a car loan with Toyota Financial Services in XXXX XXXX, the payments of XXXX were due on the XXXX of every month. After starting the contract with them I asked for a due date change, and we agreed on the XXXX of every month. TFS sent me paperwork to sign and I signed and sent it back. At this point the new due date is the XXXX of every month. The first payment according to the new contract with the new due date is XXXX/XXXX/XXXX. I began making my payments according to the the new agreed upon due date, however XXXX has not been reporting the payment according to the due date of the XXXX, which has cause multiple additional fees and a negative credit reporting. They are being unreasonable with resolving the matter.
Product: Credit reporting or other personal consumer reports

I was an Auth user on the card but I never knew I was, nor did I have access to make payments.
Product: Debt collection

On XX/XX/2022. I switched cellular phone services from XXXX XXXX XXXX XXXX XXXX XXXX I called XXXX to close my account and they said that I have to called back at the end of the billing cycle because at this time still have several days left to close the billing cycle. I called back by the end of XX/XX/2022 to reminded them to cancel my account and they asked why I was leaving them, and I said because I already have another provider. 
After 2-3 months later I started receiving these bills from XXXX alleging that I have to pay them, and I told them that I have not used their service since XXXX when I switched providers. I even request to send me proof that I was using their services. I said send me a detail bill of my cellular use with you including where I have been calling or texting. They never sent a detailed bill. But they kept send more bills until I received a letter from a Collection agency, and I wrote a letter to the collection agency asking for an explanation of the bill with details of usage, but I never received anything. And now on XX/XX/2022, they reported a FRAUD on my credit rating, and my credit score drop significantly. I want this to be removed from my credit score as soon as possible! I have a very good and clean credit score, and don't want to have ruined for this senseless charged!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT  ED Account # : XXXX Account Name : US DEPT ED Account # : XXXX
Product: Debt collection

I never received any communication from XXXX XXXX XXXX, and they put a collection on my credit report. They told me that they received the collection on XX/XX/2020, and it was placed on my credit report XX/XX/2020. That is 9 DAYS LATER. Again, I DID NOT receive notification from them AT ALL, and you are supposed to have AT LEAST 30 days to get in touch with the client, verify, etc. Once I saw that this was reported to my credit report, I called the company, and they told me that they don't reach out to clients, and that they could not send me notification until I contacted them. How am I supposed to contact them if I never knew I had a collection until it hit my credit? They were supposed to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my charged off XXXX XXXX XXXX account in XXXX of 2022. It shows a XXXX balance and closed on my XXXX and XXXX reports but XXXX shows that I still owe over XXXX. I attempted to dispute it but was told I had previously disputed
Product: Debt collection

My, Capital One credit card, Was behind in payments and, I setup a payment plan with the collection agency, per the judge request from the debt collector before we went into litigation, That was XXXX  to move the conversation, I set up automatic payments, which they didn't send me anything not a email or mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights tot privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX account # xxxxxxxx XXXX contact : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : CREDIT BUREAU XXXX, DE XXXX XXXX This account has been closed and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX XXXX I do not recall this information and debt, I wish this to be removed from my credit report Account name : XXXX XXXX XXXX account number # xxxxx XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX This has been closed and paid off and wish to be removed from my credit report Account name : XXXX XXXX XXXX XXXX contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have not given them approval to run my credit and I wish this to be removed from my credit report 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 written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of information any other adverse item of information, other than record of convictions of crimes which antedate the report 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: Money transfer, virtual currency, or money service

The first date is XX/XX/2020 I got deposited XXXX cents tried to get my funds and they wouldnt let me add a debit card stating my account is closed. Then XX/XX/XXXX I received a direct deposit of XXXX, tried to take the funds off all together which was a total of XXXX I sent numerous amount of emails and they sent me a automatic message stating that they cant give me any information. Going along I reached out about 7-8 times and have been just ignored. Moving further. On XX/XX/XXXX I then received another deposit to a supposedly closed account of XXXX on XX/XX/XXXX. I then tried to receive my funds by adding a debit card and couldnt. That is a total of XXXX that I cant retrieve I reached out to square cash. Cash app more than 20 times and they have not gotten back to me. No answer or response
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 4 creditors are ALL not in compliance with Metro 2 Compliance and federal laws. They have not answered any questions in my dispute. I am also disputing every Fcra law from 312-623. Every last one. Plus I've submitted my letter attached notarized. Please punish them for not being in compliance of federal laws. I sent this letter to all 3 bureaus as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also want all inquiries DELETED. and ALL ACCOUNTS except XXXX XXXX and XXXX  XXXX XXXX. 
Thank you. 
XXXX XXXX All rights reserved XXXX XXXX XXXX XXXX
Product: Debt collection

Commercial Acceptance Company, XXXX Latest communication is a letter dated XX/XX/XXXX. This company has repeatedly called me and now have sent a letter demanding I pay a medical bill that has already been paid for by my medical insurance company. I repeatedly stated to this company that the company that hired them, XXXX XXXX XXXX XXXX, has received payment as of XX/XX/XXXX for an ambulance ride on XX/XX/XXXX, which they were charging to the wrong insurance company. I communicated with them, the ambulance company and my insurance company and it was the error of the ambulance company. However, this debt collector continues to call me. I am XXXX, with several debilitating conditions and receiving these communications has significantly increased my XXXX and affected my health negatively. I last received a phone call around the beginning of XX/XX/XXXX to which I contacted again my insurance company and they noted the bill from the ambulance company had been paid in full. I received a letter today, XX/XX/XXXX again stating I owe this debt that has already been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

( XXXX XXXX Acct # XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Credit report File and there are some items and information that do not belong to me whatsoever. I complained earlier this Month on XX/XX/XXXX, and this complaint is a follow-up to that complaint Please investigate these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  The names and addresses are not mine, while the accounts and inquiries are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Experian XXXX XXXX  should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company multiple times regarding the same issue and still no results. The refuse to follow the law 's. I sent in all the supporting documents for them to see in order to removal of the inaccurate information that's reporting on my file.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Nationstar purchased our mortgage from XXXX in XX/XX/XXXX or XX/XX/XXXX. The terms of the mortgage state that monthly payments will include the mortgage, home owner 's insurance and taxes. As per the terms of the mortgage, the mortgage company was responsible to pay taxes from our escrow account. In early XX/XX/XXXX, we became aware that our town tax ( The Town of XXXX XXXX ) was not paid by Nationstar. We contacted Nationstar to remedy this situation. On XX/XX/XXXX we received correspondence from Nationstar that they paid the town tax on our behalf. However, as of XX/XX/XXXX, no tax payment has been received by the town, despite many phone calls to Nationstar and many assurances that said taxes have been paid. XX/XX/XXXX marks the third late deadline and, as a result, the third round of penalties imposed by the town. My first request is that these taxes get paid. My second request is that my escrow account is reviewed by a third party to assess for any mishandling. Third, I want to be remedied for Nationstar 's failure to follow the terms of the mortgage they purchased by ensuring that the town penalties are absorbed by Nationstar and not us.
Product: Credit reporting or other personal consumer reports

I was in a car accident on XX/XX/2024. I called chase bank as well as my insurance company to inform them of what happened. since XX/XX/2024 no longer in possession of the vehicle it is in the junk yard. I was told by a representative from chase bank that it was taken out of total loss. Chase bank keeps reporting a missed/late payment on all three credit agencies. I dispute it but it still shows on my credit file. XXXX is refused to pay for the damages because they said I did not have collision insurance but when you finance a vehicle you must have collision insurance so the bank can get paid for the vehicle
Product: Credit reporting or other personal consumer reports

Ive been complaining to thiscompany Ive been disputing I cant get through. They dont have a phone number. They wont respond. They wont communicate with me. I am not late. I pay this balance up. They are purposely messing up my credit report. Please look at this receipt and update my file. This is ridiculous. I am on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted information to Experian multiple times, once on XXXX and again on XXXX, advising them that certain account weren't mine and were fraudulent accounts. This bureau is the only bureau that will not remove XXXX XXXX XXXX accounts from my credit report. One is saying it is an charge account or credit account with a balance of {$8900.00} and an installment loan account with a balance of {$22000.00} I've asked the bureaus as well as the creditor to provide me with documentation showing my signature to show that I authorized these accounts to be opened, and never received any of the requested documentation. I've filed a complaint with the FTC and The Attorney General, and was advised that it would be investigated but that I also needed to file a complaint directly with you all The CFPB because you all work directly with the reporting agencies.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini. Shortly after doing so my account was frozen without explanation. I have filed a support ticket and reached out to gemini for support. No response. My user name is my email. XXXX. After submitting my ID and a selfish with the date and required info I have yet to recieve a response. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter of request to Equifax Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Also, the Bureau was reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiry : XXXX Date of Inquiry XX/XX/2020