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

On XX/XX/2021 Auto Credit submitted me a contract of a vehicle loan under complaint XXXX this proves absolutely nothing and does not provide me with the documentation of FACTA 312 or UCC DEFICENCY INFORMATION AT ALL. I have attached exactly what documentation that needs to be provided or this will have to be taken further. Under UCC DEFICENCY this information was/is suppose to be provided to me as the consumer. Please see attached request. If this information can not be be provided then this needs to be REMOVED from my credit report because at that point Auto Credit is in direct violation of the laws.

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

I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX XXXX XXXX XXXX has multiple inaccuracies. 
1. Across the three bureaus the dates of last payments received are inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  comments and acknowledges the debt as being discharged in bankruptcy. So the company has been reporting activity on a discharged debt. This is a validation of the Debt collection privacy act.

By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client was opened in direct result of the theft of my identity : XXXX Reported account number XXXX This account is unknown to me and were opened in result of theft of my identity. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after repeated attempts to delete them via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.
Product: Credit reporting or other personal consumer reports

I previously had XXXX XXXX XXXX, and the last two years I was in three car accidents, which all three were ruled not my fault, and the other parties were issued citations. While Im shopping around for new insurance, each insurance company is coming back showing that all three of these auto accidents are being reported as my fault and its causing my insurance to quadruple, I spoke to XXXX and they sent me letters saying that the accident were werent my fault but Lexus Nexus and the clue report that all auto insurance companies pull their information from is showing the incorrect information I have tried to resolve this with both XXXX and Lexus Nexus, and Im Being ran around in circles and nothing is being resolved. Ive sent identification documents to Lexus Nexus four times now and I am given some generic response that they cant pull my identity. I need this resolved immediately because it is preventing me from getting decent auto insurance and the inaccurate reporting is having a massive negative and financial impact on my life
Product: Debt collection

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history DEPT OF EDUCATION/XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
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 to privacy and confidentiality under 15 USC 1681. 

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 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 or 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

When I sent a copy of the FTC report, it took some time for it to become clear that the credit bureaus are not obstructing records. I'm sending this complaint to help with organizing a legal response because it is required by FCRA regulation 605b. If you choose not to stop the further objects listed below that are responding falsely as a result of fraud. The following items must be deleted from my file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate Names addresses as well as multiple account that I have disputed. As well they are allowing inquiries from XXXX XXXX and and other without any authorization. All credit bureaus are reporting and damaging my consumer report and my life. I do not understand why no one is protecting me ....
Product: Credit reporting or other personal consumer reports

This is another attempt at disputing online with cfpb.in an Earlier attempt my documentation and supporting evidence did not upload. Disregard previous disputes than this dispute. This dispute contains all necessary documents needed to support my case in this dispute. 

This dispute encompasses two primary issues : 1. Identity Theft Account : The first issue relates to an account on my credit report that I believe resulted from identity theft. This account was added to my credit report without my consent, making it a potential case of identity theft. The accuracy of this information is being disputed as it is not related to any transaction initiated by me. 2. Inaccurate Auto Loan Reporting : The second issue pertains to an auto loan account that is inaccurately reported as not paid in full despite being satisfied more than 60 days ago. Additionally, the payment history for this account inaccurately portrays the month of XXXX as 30 days late. Subsequent to XXXX, no further activity has been reported, which raises questions about compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Student loan

I have submitted previous complaints and the Lender continues to lie about their settlement of my resolution. My former compain # 's are # XXXX and # XXXX. I have been on XXXX XXXX and XXXX XXXX XXXX and due to my doctor having me out of work so long, I was terminated. Please refer to my previous two ( 2 ) claims submitted as both the Department of Education and National Recoveries have different totals and have NOt triEd to work with me. I called the Ombudsman at DOE and several people at National Recoveries Service. 

I received a letter from DOE on XXXX XXXX, XXXX and when I called they directed me to National Revcoveries. Mind you, there is almost a {$25000.00} disparity in the totals. I feel like I 've been given the run around as National recoveries initiallly accepted a payment plan with me on XX/XX/XXXX for $ XXXX and then reniged on their offer as I tried to pay the next month. I told them I was on XXXX and had little pay however, I could pay the agreed upon {$150.00}. I have a transaction # XXXX which was paid on XX/XX/XXXX at XXXX XXXX EST. 
When I went to make the next month 's payment, I was told that the employee that made the plan was moved to another department and my payment agreement was not acceptable. I was encouraged to get on the XXXX payment plan instead. 

I expressed my dissatisfaction and lack of professionalism of NRS and the DOE. I have not received ANY paperwork from them in over a year. I just recently got a letter from the Department of Education with much lower total amounts and was informed to call them immediately. I must tell you both entities are VERY unprofessional. They have put this on my credit report and threatened WAGE GARNISHMENT and Taking my TAX RETURNS. These entities should NOT be able to treat people like this as they are not telling your rganization the truth in their resolution responses as you can see from reading the aforementioned. 

HELP! HELP! HELP! HELP! HELP!
Product: Credit reporting

Equifax did NOT properly investigate my complaint, actually they did n't investigate the matter at all. I submitted a complaint against XXXX because they had been inaccurately reporting late payments for a period of 3 years or more. I provided Equifax with all of my bank statements showing that I 'd NEVER missed a payment. Equifax simply asked XXXX if the information they reported was accurate, XXXX responded and Equifax simply did nothing. They did not consider the indisputable evidence I provided. They did absolutely NOTHING! I had to take matters in my own hands and file a complaint against XXXX through the CFPB website and at that point XXXX was able to confirm my complaint was valid and they have now corrected the errors. In the attachments you will see a letter from XXXX confirming I had NEVER missed a payment. Equifax needs to immediately do a recast of my FICO score and update their report. Equifax needs to be held accountable. If they are required to investigate then they need to do an actual investigation which would include considering evidence! I filed a dispute with Equifax TWICE and they still refused to investigate my dispute. Someone needs to educate them on what an investigation is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my consumer report. 
They are reporting late payments and that is against consumer law
Product: Debt collection

State Collection Service , Inc XXXX XXXX  XXXX XXXX, WI XXXX I discovered a debt belongs to my late wife in my credit report. 
This company was hired by XXXX XXXX XXXX in XXXX Maryland last XX/XX/XXXX. I paid the debt in full for the final bills they never sent to me after my medical insurance paid them {$17000.00}. 
I paid {$370.00} in postal money order and sent to XXXX XXXX XXXX on XX/XX/XXXX as agreed with a representative in their billing department. 
On XX/XX/XXXX this collection company updated the debt {$370.00} as current. This is Fraud and false information for the debt no longer exist. Today XX/XX/XXXX I contact and leave message and a written explanation to ask them to verify the debt and remove all negative remarks and not accurate information from my credit report. 
I also call their consumer relations leave message. Everyone at their company are notified. 
US Postal Money Orders XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Maryland Mailed Certified with Return Receipt I am asking the FTC Consumer Protection to fully investigate this company and their bad business practices hurting consumer like myself. I am a citizen of this country and a XXXX XXXX, and this is how they repaid me for served this country for shady business like this in America.
Product: Credit reporting, credit repair services, or other personal consumer reports

WENT TO CARLOT THEY SAID THEY WOULD RUN MY CREDIT WITH ONE BANK AND THEY RAN IT ALOT OF TIMES. 

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: Prepaid card

On XX/XX/2023 I attempted to log onto my Amex Bluebird dashboard but was met with an error code In response, I contacted customer service and went through the usual protocols to confirm my identity, I then went on to explain that I could not access my Bluebird Dashboard interface thus I could not access my account information to perform payments, transfers or deposits to various vendors. I also explained that I had attempted to access this information utilizing various Internet Browsers but that I still received the same results, I then questioned if there was a problem with the Website or if this was an issue directly related to my account only. At this point I was placed on hold for approximately 20 minutes after which I was told they could not rectify my problem but they would have to escalate the problem to get it resolved. At this point, I asked to be connected to a Technical Support ( in the hope of at least learning a reason or receiving a time line for resolution ). I held the line for 15 minutes with no further involvement from anyone, at which point I disconnected the call and attempted to contact a representative to get connected to Tech Support. 

On my second call, I went through the exact same process again with the same results. At this point, dealing with Customer Service had cost me close to an hour and a half of wasted time so I went online to obtain some way to contact American Express corporate. I was able to obtain a phone number and was connected to a corporate representative. After explaining my predicament, she assured me that she would relay my issues to Bluebird customer service and they would resolve my problem. After holding another 20 minutes I was again connected to a Bluebird representative, and yet again subjected to the exact same routine. 

At this point, I had been dealing with the Bluebird customer service department for well over two hours and was still no closer to getting an answer ( or a resolution ) to my problem. In the spirit of in for a penny, in for a pound, I gave it a final college try. I made one final call to Bluebird and once I was connected to a representative, I requested that I not be place on hold under any circumstances and we went through the exact same routine as I had already endured three time prior ( with the final result being EXACTLY the same. 

At this point, I have decided to refer this problem to a higher authority. I had believed that once I connected to your corporate office, that a resolution was right around the corner, evidently I was incorrect. Whats more interesting to me is the fact that after reporting this issue to four separate representatives ( that swore that they would escalate this problem to resolution ), even after 10 business days have passed absolutely nothing has changed nor have I received any notification of why I cant access my account information.
Product: Checking or savings account

My cell phone was stolen while the phone was unlocked and the thief was able to access my apps, including my emails which had proof of my social security number. That same night, I noticed various fraudulent charges on both my checking account and credit card due to my accounts being linked to certain apps on my cell phone, such as XXXX, XXXX, XXXX, and my mobile banking app. Also, an XXXX credit card was opened under my name with a balance of roughly {$600.00}. The most significant charges were two separate XXXX transfers out of my checking account for {$1500.00} and {$1000.00}. I called the Bank ( Santander ) the following business day to communicate my issue and file a fraud claim. The Bank accepted my fraud claim on all other transactions ( XXXX, XXXX, XXXX ) ; however, they denied my claim for the two XXXX transactions totaling in {$2500.00} of lost money even though the explanation I gave for the claim was the same. This shows inconsistency in their fraud review and only leads me to believe that the XXXX claim was denied since it was of higher value. I provided the Bank with supporting documentation making it obvious that the phone was stolen including a police report, email communication with police, an identity theft report, and screenshots of the fraudulent XXXX and rideshare ( XXXX XXXX charges. I also offered to provide a receipt to show that I purchased a new phone, but was told this wasn't needed. I have filed fraud claims with all companies involved in these transactions ( XXXX XXXX and XXXX to dispute the XXXX XXXX XXXX XXXXXXXX, XXXX ) and all of the companies accepted my claim concluding that these transactions were clearly fraudulent. However, I have had issues with retaining my stolen funds from the XXXX transactions from Santander Bank, even though as I mentioned previously they accepted my claim relating to other transactions that occurred as a result of my cell phone being stolen. Due to this, I have reason to believe the Bank is in violation of Regulation E, and as a consumer I should have protections against unauthorized transactions on my account. It has now been 3 months that I have been dealing with this with no resolution when this should have been an open and shut, straightforward case. Santander has not been helpful at all throughout this process and has only put up roadblocks because they do not want to pay the money that was stolen from my account. I am a former employee of the Bank and have been a longtime customer and am severely disappointed in how I've treated throughout this process from a customer service standpoint. I would not recommend anyone bank with them given the way they treat their customers and lack of resolution in dealing with difficult issues.
Product: Mortgage

I have requested that Chicago Title provide me a copy of the Chicago Title policy on file so I can sell my house. It has been over a month and I have not received the requested information.
Product: Credit card or prepaid card

this account was opened XX/XX/16 and the amount is unknown. i have called the company multiple timesand i have also filled a ftc report and contacted the police.
Product: Credit reporting or other personal consumer reports

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment.

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

I demand that the late payment reported in the specified months be removed.

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law. 

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

Please remove the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & XXXX XXXX XXXX XXXX XXXX are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & XXXX XXXX have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$410.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$64.00}.
Product: Debt collection

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the XXXX of a XXXX individual as documented in XXXX reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.