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

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX inquiry date XX/XX/year> XXXX XXXX XXXX  inquiry date XX/XX/year>
Product: Vehicle loan or lease

Due to covid from 2019 going forward i was unable to manage a car payment. I didnt know that by giving the car up they would process it on my account when I was able to make arrangements once I found a job when I gave the car up they sold the car at the auction for close to {$3000.00} they didnt apply that balance to the loan so now its like Im back paying for a car from its original payment. I should not be responsible for paying the amount that I purchased the car for what type of unnecessary fees through Westlake financial services they have taken me to court and try to make it seem like they didnt sell the car on top of the mega payments, and still XXXX on saying that I owe almost {$6000.00} that has been reported to the credit. They also offered me to pay {$1000.00}, but they want it all at once and I afford XXXX that I was not able to give it to them all at once. However, I can break those payments up because I had just begin working again. They stated that they can not take the XXXX dollars then out of nowhere I receive a letter in the mail for Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is providing incorrect information to credit bureaus claiming I have a bankruptcy for {$0.00} on XX/XX/2011.
Product: Credit reporting

Collection Accounts identified as ( XXXX ) on my Equifax Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Equifax to delete this accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the Collection Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, Equifax needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports. 
Additionally Equifax was notified that these additional accounts were inaccurate and they were previously disputed and Equifax was asked to send myself copies of the documents verifying the accuracy of said accounts and if they were not able to immediately delete them instead they continue to report inaccurate information further damaging my credit. As per the -- FCRA does NOT allow for unverified items to remain on consumer credit reports. Accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been a fraud alert placed on my credit profile
Product: Mortgage

XXXX XXXX XXXXXXXX has a ledger for transaction descriptions on XX/XX/year> listing the balance on the property as {$160000.00}. They have turned over this account to Shellpoint operating as NewRez and their ledger for the same date XX/XX/year> indicates the balance was {$190000.00}. The amount on XX/XX/year>, which was the purchase date indicates the house was {$160000.00} via court records. So the varying discrepancies are between approximately {$800.00} and almost {$30000.00}. You both need to take responsibility for your accounting and compensate.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> XXXX  XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I file documentation for those inaccurate and unknown accounts that I found on my credit report. It's over 30 Days today I haven't received any response. I was a victim of Equifax Data Breach. I want all the account will removed ASAP or I will file a litigation.
Product: Vehicle loan or lease

I went to XXXXXXXX XXXX XXXXXXXX to purchase a XXXX XXXXXXXX XXXX XXXX that was purchase for XXXX with XXXX XXXX down resulting in a XXXX loan. My paperwork says otherwise even with an undisclosed warranty fee of XXXX that I was verbally told was {$50.00} dollars a month only for the service. The numbers do not add up and was intentionally targeted to be taken advantage of.
Product: Vehicle loan or lease

Payoff was sent to Ally, and they still proceeded to take money out of my husbands account and did not refund it.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS failed to use reasonable procedures to LEGALLY verify the information they are reporting on my credit reports. This is the last step for me before I get the ATTORNEY GENERAL INVOLVED and then take them to court. By law, they are suppose to use reasonable procedures to COMPLETELY verify the information that's on my report. How can they report information that I have NO SIGNED contracts for?? 

I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature! XXXX  has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and provide evidence of a current false derogatory remark on my credit.  Currently, there is a derogatory mark under the company NC FINANCIAL  that has claimed and reported on my credit that there is a loan amount of XXXX with a XXXX   past due amount in collections.  These numbers are incorrect.  

The principal amount of the loan was XXXX  and has been placed in
settlement for the amount of XXXX.  I have paid a total of XXXX   to NC FINANCIAL since the principal amount was disbursed and have enclosed a payment history that reflects my payments.  I have enclosed the documents with the correct information with this letter with notations identifying the original loan contract, the settlement documents, and the credit report with the false information.  
 
The credit company NC FINANCIAL had sold off  this account to a third party agency during the time that I was diagnosed with XXXX and has reported false information.  I had reached out  to NC FINANCIAL when I had been diagnosed with XXXX as soon as the federal health department confirmed my XXXX results on XXXX XXXX XXXX,  and NET CREDIT in response sent me a notification from customer support stating that my account would be pardoned  as a pandemic relief for 90 days.  However within these 90 days, they sold my account and falsely reported an outrageous collections amount along with a false past due amount.    

 With this complaint I am providing the documents to show the contracted 
principal loan amount, a summary of my payment history, a settlement offer, and the current statements from my credit that shows what they have reported.  I would like to resolve and clear this error.

Also, I find it disheartening that NC FINANCIAL had notified me that my account would be pardoned during the time of my recovery from XXXX, only to then to force me into an expedited settlement during my vulnerable times with a third party they hired and then report false information. Not only is it insensitive
during this time of a global pandemic, it is highly unprofessional and is an abuse of business practices.  Additionally, I had reached out to NC financial on multiple occasions in XXXX and XXXX, and not only was I unable to get past the phone automated system to set up a payment plan with customer service, they also failed to honor  90 day pandemic relief.  I reached out to customer Support via email on the dates of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding
a resolution for my account and to confirm my settlement offer and I did not receive any response besides automated messages stating that I needed to respond to the settlement, which I HAD. Also, mind you, this was all AFTER they had sent me a pandemic relief "pardon."   All of my emails had gone ignored.  Also, Regarding the false information reported by NC FINANCIAL to the credit bureau, I have emailed with supported documents on XXXX XXXX to have the false report corrected and have not yet received any response
Product: Vehicle loan or lease

on my report it is still showing that I miss payments and they already repossess the account and under the fair credit reporting act I believe this to be illegal and want it removed immediately off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, the consumer disputed an alleged debt with Ad Astra for an alleged payday loan made around early 2019 of the same year at XXXX store number XXXX in XXXX Oregon. The consumer has no knowledge of this debt, is not admitting to any debts and has no current or previous business relationships with this entity or the collections agency representing XXXX. Ad Astra failed to mail a debt verification letter and instead sent the same collections statement. The consumer is demanding the original promissory note or a copy thereof including the full loan terms, conditions and all associated statements and administrative remarks on the account. The consumer is unable to verify the debt and therefore is claiming that this is an invalid and illegitimate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS REINSTATED WITH XXXX IN XX/XX/XXXX ( SEE EXHIBIT " A ) THIS AMOUNT OF {$39000.00} INCLUDED ALL AREARS, COSTS & FEES IN THE UNIVERSE ) AND XXXX PAYMENT. SINCE THEN, I HAVE MADE TEN 10 ) PAYMENTS REFLECTING XXXX, XXXX - XX/XX/XXXX ( SEE ATTACHED ITEMS 1-10 ). ACCORDINGLY, I AM NOT REPEAT NOT BEHING IN ANY PAYMENTS. 
I BELIEVE XXXX IS CHARGGING ME FOR FEES THAT FROM THE PRE FORECLOUSURE THAT WERE ALREADY INCLUDED IN THE REINSTSTEMENT AMOUNT LISTED AT ( EX. ( " A '' ). HOWEVER, THESE FFES ARE NOT MORTGAGE PAYMENTS AND CAN NOT BE REPORTED AS PAST DUE.

FINALLY, THIS INCORRECT REPORT IS CAUSING ME LACK OF ACCESS TO CREDIT, CAUSING DUE HARM, MISSING FINANCIAL OPPORTUNITIES, EMOTIONAL DISTRESS.BE PUT ON NOTICE ACCORDINGLY.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed the information provided in the letter regarding the CFPB inquiry for the account of XXXX XXXX XXXX. Based on my analysis of the relevant case law, I would like to dispute several aspects of the response provided by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

Firstly, the letter states that the account originated with XXXX XXXX, XXXX. on XX/XX/XXXX, and was subsequently charged off on XX/XX/XXXX with a balance of {$9800.00}. However, according to the case law established in Buchanan vXXXX XXXX XXXX XXXX XXXX 776 F.3d 393 ( 6th Cir. XXXX  ), the statute of limitations for collecting on a charged-off debt may be significantly shorter than the original contract period. Depending on the applicable state law, the statute of limitations could be as short as three years from the date of charge-off. If the current owner, XXXX XXXX XXXX, acquired the account after the expiration of the statute of limitations, they may not have a valid legal claim to collect on the debt. 

Secondly, the letter states that the current owner, XXXX XXXX XXXX, is not currently reporting the account to the credit bureaus. However, according to the case law established in Pinkerton v. XXXX XXXX XXXX XXXX, 53 F.3d 708 ( 5th Cir. XXXXXXXX ), a debt collector 's failure to report a debt to credit bureaus may be considered a deceptive or unfair practice under the Fair Debt Collection Practices Act ( FDCPA ). If XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have chosen not to report the debt to credit bureaus, they may be in violation of the FDCPA.

Lastly, the letter states that the current owner, XXXX XXXX XXXX, acquired all ownership rights, including the rights to collect on the account and to report to the credit bureaus, if eligible. However, the case law established in Henson v. XXXX XXXX XXXX XXXX, 137 S. Ct. 1718 ( XXXX ), suggests that the mere purchase of a debt does not automatically confer the status of " debt collector '' under the FDCPA. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may need to provide additional evidence to demonstrate that they have the legal authority to collect on this debt and report it to credit bureaus.

In conclusion, based on the relevant case law, I believe there are several potential issues with the response provided by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that should be further investigated.
Product: Credit card

Dear FCDC Team, I hope this message finds you well. 

I am writing to seek your assistance in resolving a transaction dispute involving my Apple Credit Card, issued by Goldman Sachs. 

Background : I purchased XXXX on XX/XX/year>, for the amount of {$140.00} using my Apple Credit Card. However, I did not receive the item, leading me to dispute the transaction. Despite my efforts, Apple Card Support refused my dispute request and did not provide a satisfactory resolution. 

Details : I live in an apartment building with XXXX units. According to the proof documents provided by Apple Card Support, XXXX included tracking information that stated the package was delivered to my building. However, the documentation does not confirm that the package was delivered to my specific unit ( XXXX ). 

Upon reviewing the delivery details provided by XXXX, it appears that XXXX may not have included my unit number ( XXXX ) in the shipping information. This omission is evident as my unit number is not present in the email sent by XXXX ( please see the attached snip : XXXX XXXX ). For other deliveries, my unit number is clearly listed ( please see the attached snips : XXXX XXXX XXXX XXXX & XXXX ). I did provide XXXX with my apartment number when placing the order ( please see the attached snip : XXXX XXXX ). 

I believe that the absence of my unit number may have caused the package to be delivered to a different unit. Despite diligent searching, I was unable to locate the package, neither in front of my apartment door nor in the mailroom. I checked my unit 's front door camera the day I initially submitted the dispute, and it did not show any delivery personnel in front of my unit door on, before, or after the package delivery date. Unfortunately, the delivery date was too long ago, and my front door camera no longer retains footage from that day. The only evidence available indicating that the package was not delivered to my unit is that I have had a XXXX door draft stopper installed for over XXXX months before the date of the missing package 's delivery, while the door in the XXXX delivery record didn't have one. Please refer to my order record for the door draft stopper, and the UPS delivery info as proof ( Snip : Door_Draft Stopper_Purchase Record & Snip : XXXX & Snip : UPS_Delivered_Info ). 

Concerns : I am deeply concerned about being billed for an item I never received. This situation has been distressing me for months. If the package had arrived, I would have gladly paid for it, but I have never received it. I believe it is unfair to charge me for something I did not receive. 

Request : I kindly request XXXX 's assistance in helping me resolve this dispute with Apple Card Support. Your intervention in ensuring a fair and timely resolution would be greatly appreciated. Please feel free to let me know if further documents or details are needed from my end. 

Thank you for your attention to this matter. 

I hope you have a nice day! 

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

I am requesting a 1099-c cancellation of debt. Can is a paid settlement
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX | XX/XX/year> XXXX XXXX : Account number : XXXX XXXX XXXX XXXX  | XX/XX/year> XXXX XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX  : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

After filing for Chapter XXXX Bankruptcy this creditor, Synchrony Bank ( XXXX XXXX XXXX XXXX ) continuously calls XXXX times per day. They were listed as a creditor in my bankruptcy petition and were sent notification of the filing over XXXX month ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the balance to ZERO? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 XXXX XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.
Product: Mortgage

WellsFargo did not pay XXXX County property taxes on time. Due XXXX, and not fully paid until XXXX, and a lien placed causing now my credit report to look like I did not pay on-time when I was not fully notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Validate Account 1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.