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

These account are not mines. I have disputed them over and over and have sent over FTC report to the credit bureau and notify them to remove this inquiry. Please follow the FCRa rules that states any improper information on my credit should be removed within XXXX days immediately I am stating that it is not mind and I am also using legal law to show that it is not mines so please follow this law and remove these inquiries below. I will state each inquiry that needs to be removed. 





( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The XXXX system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the XXXX  system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the XXXX system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this XXXX to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this XXXX 


XXXX LEASE ONLY NOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX LEASE ONLY XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit file by XXXX XXXX ( Account # : XXXX ) and recorded by Experian and Equifax. Upon reviewing my credit report from XXXX dated XX/XX/year>, I identified the following inconsistencies : 1. Delinquent Account Reporting Inconsistency : TransUnion reports 0 delinquent accounts, yet Experian and Equifax each report 1 delinquent account for XXXX XXXX ( Account # : XXXX ). 
If this delinquency were valid, it should be consistently reported across all three credit bureaus. 

2. Account Status & Payment History Mismatch : The account in question is reported as " Current '' under the payment status but still appears as delinquent on Experian and Equifax.

This is an apparent contradiction, and I request verification of this reporting.

3. Potential FCRA Violation Incorrect Reporting Period : If this account has been delinquent for over 7 years, it should no longer appear on my report.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ), negative information must be removed after 7 years. I request the date of the first delinquency to verify compliance. 

4. Failure to Validate Debt Before Reporting : Under 15 U.S.C. 1681s2 ( a ) ( 1 ), a creditor must ensure the accuracy of information before reporting to credit bureaus.

If Capital One failed to notify me of this delinquency, they are in violation of the FCRA and should delete this record.

Requested Resolution : I demand an immediate investigation and removal of this incorrect delinquency if XXXX XXXX can not provide adequate verification. 
I request that the results of this investigation be sent to me in writing within 30 days, as per FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Please treat this as a formal dispute under my rights granted by the FCRA and Fair Debt Collection Practices Act ( FDCPA ). Failure to correct these inaccuracies may result in a formal complaint with regulatory authorities.
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 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Midland Credit Management XXXX XXXX XXXXXXXX
Product: Debt collection

In 2010, in order to build my credit, I have made a secured deposit of {$500.00} with citibank. I have been given a secured credit card of the same value ( {$500.00} ) about one year later my balance on that secured credit card was {$460.00}. At that time, I have call citibank to make a request that I would like to cancel the contract due to my financial situation. I have requested the due balance of ( {$460.00} ) should be deducted from my secured deposit, and my balance of {$40.00} to be returned to me. I did not receive any feedback from citibank. two years later citibank took me to collection. All my attempts to explain the situation have been unsuccessful. 
As I am filling this complain today the debt from about $ 1000 years ago is now {$630.00}. 
citibank have never given me a regular credit card. 
I did not receive my secured deposit of {$500.00}. 
At the opening of the account I was told that the {$500.00} will be used to cover any debt in case I ca n't pay myself. 
citibank has ruined my life by taking me to collection for a debt I do not contract. please help me out with this issue.
Product: Debt collection

I have a payday loan at Cash Now Advance in XXXX, TN. My account went delinquent a couple of months ago when i was in the middle of switching jobs. The branch manager, XXXX, had started sending me personal messages through XXXX regarding my debt, and they called my job after being told not to. After I unfriended XXXX on XXXX, she became very upset with me and sent me XXXX very nasty threating messages. To take further action, I contacted her District Manager, XXXX. to see if we could get this problem resolved. After talking to XXXX and telling her everything that had happened, she told me not to worry she would handle it all and agreed to set me up on a payment plan telling me that if i could not make the payment just call them and they would work with me. Several days had past and I had recieved a text message to my personal phone from XXXX personal phone asking me when I would be in the store with a payment. I received XXXX text message a day for a few days from XXXX, and I had not responded, Finally, i received a text message from XXXX at XXXX, telling me that she needed a payment on my account ASAP ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX 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 XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX HE XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  DI XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Student loan

My wife and I attended University XXXX XXXX online for our XXXX studies. I attended XXXX University online for my masters as well. These schools I believe misrepresented me with their offers of a good education that would enable me to get the level of education and career I was looking for. Needless to say I stayed in my current career because the degrees did not amount to anything on paper. 
Because of the lack of increased pay, we had trouble with the repayment options. We have had numerous loan servicers over the course of graduating with my XXXX. Nelnet, XXXX, XXXX to name a few. When I informed them we was struggling, deferring, forbeance or combining the loans was always their answer. I believe I have made only four payments in the last five years because of the options they kept giving me. The lack of guidance and tactics I believe were confusing and misleading. Now the debt has ballooned to over 80 thousand dollars due to fees and interest and I have no other option ( other than deference that I know they would still give me ) and the payment is way to high for me to handle. Although I have these degrees on my wall, they are of little value and now I have to pay for it the rest of my life. Our credit scores will suffer for years because of this and my wife still hasn't finished acquiring the worthless degree
Product: Debt collection

A company by the name of Receivable Management Group located in XXXX GA has placed a negative and possibly false derogatory mark on my credit report in the amount of {$150.00}. I have tried COUNTLESS times to get a hold of the company with zero response from them. I have no idea where this came from much less what its for. I have not received a letter in the mail, an email or even a phone call from this company attempting to let me know about this " debt '' I owe. At this point, i am stuck. I have filed a claim with the XXXX  as well in regards to this issue. 

The website they have has so many negative reviews i am not sure how they are a business. I will link the website to the agency below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I truly hope this is enough information with my case. 

Thanks, XXXX XXXX
Product: Debt collection

I XXXX XXXX do not agree with a collection process initiated against me. There was only a letter from ARS National Services , Inc., stating that they have been hired by XXXX XXXX XXXX XXXX, without proof of transfer. The Federal Trade Commission made it clear in a decision against a national debt collection agency in 2009 ( FTC v. XXXX XXXX XXXX XXXX that a collection must show proof, i.e. a written transfer of information and the right to collect on a debt. My rights have been violated under the Fair Debt Collection Practices Act. ARS has posted a collection on my credit bureaus without first submitting proof that they had the right to collect on a debt. I am not disputing that there was an obligation owed to XXXX XXXX XXXX XXXX, what I am disputing is the egregious act of destroying my credit without going through a legitimate process. I have already been a victim to an FDCPA violation and a violation of the FTC mandate to validate a collection, as well as showing proof that the collection is well within state guidelines where I reside. Since I am a XXXX XXXX member of the United States XXXX XXXX, I take my rights serious, as much as I take my loyalty to the United States. Therefore, I believe ARS should accept a settlement in the amount of {$200.00}, and state on record that any reference to me personally on all pertinent credit reporting agencies to delete all information against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter of incorrect and inaccurate information was sent on XX/XX/XXXX of 2022 and was received by the Bureau and do nothing about the dispute letter. Prior to this, I disputed this online. XXXX responded with a " Factual '' update without verifying accurate information that this account is valid and accurate. The bureaus are continually ignoring my disputes related to these companies.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

Last year was a very difficult year for me, I lost my full-time job, I barely had one part time and when they needed me, in my need for a job I put my resume in some job agencies like XXXX, In XXXX of this year, through her, I was contacted by a company that is dedicated to market research with " secret shopper '' ; After investigating about the subject I agreed, I received a money order of {$1000.00} ; I went to my bank ( People 's United Banck ) made the deposit, and it became effective. The money was in it for 24 hours, but I did what was required for the work, and I bought the gift cards, I took the photos and sent them together with the report they requested, this process lasted about three weeks, at this time I received Three more money orders, I did the same with these, and deposit them. One hour after the deposit someone called me from the bank and told me that the checks were bad, that it was a fraud, and there my nightmare began, I was treated as a criminal, the agency head was too aggressive and complacent, in this bank my account I was active 5 years, and still I was treated in a very offensive way, maybe because I still can not communicate verbally in English correctly, because I am XXXX. 
I put the complaints in the police the same day of the bank incident ; in the following weeks someone from the bank called me menacingly and told me that if I did not pay the money they made in my account I would send them to a collection company, and I was treated again as a criminal, I never said that I would not be held responsible for my responsibility for my mistake made because of my need for work. Shortly after this in the cooperative where I had opened an account they called me and told me that the bank had contacted them and they closed the account of the cooperative. As a result of this incident with the cooperative, I went to the bank 's offices in XXXX, CT, and spoke with Ms. XXXX, who helped me with a better spirit, and during the conversation she mentioned that these documents are detected 24 hours a day. your deposit and this is reported to the branch where the deposit was made, she made the management so that the bank would help me to open an account again to pay the money that I was cheated, but with the condition that she signed some documents which were not they wanted to send me to read them, because I wanted to be sure that I am about to sign, however they did not give me these by any means, it is more the Miss XXXX told me that because I do not go there and read them, I insist my English is not even strong enough to be able to understand certain things clearly. My desire to fix this situation is paramount because I have never had problems of this kind before. I am an honest and principled person and I am very scared with all this.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my coinbase account was restricted with no notice to me. No reason was given. I immediately opened a case but received no response as of today, XXXX XXXX, 2022. I filed multiple complaints directly to coinbase and called them many times but they refused to tell me what to do or give me back my money. 

I have around $ XXXX in the account that I am unable to withdraw. I submitted withdraw requests but coinbase cancelled them. I am unable to sell the crypto in my account or withdraw it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$240.00} XXXX XXXX {$730.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$190.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 The Credit Bureaus stated XXXX XXXX XXXX XXXXXXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I havent given these accounts written permission to furnish these accounts on my credit report as well.
Product: Debt collection

This debt collector is reporting that I owe a debt to them from 2019. I dont have any owed debts to this company and its a violation of my rights for them to be reporting incorrect information to the credit bureaus!
Product: Debt collection

I am purchasing a home, When my credit report was run a Medical collection came up from a XXXX XXXX for XXXX they said they performed sevices in XX/XX/2015 I checked with my doctor and my records show no procedure was performed in XX/XX/XXXX of that year I did have a proceedure done in XX/XX/XXXX at a hospital where my insurance covered 100 % I contacted the Collection agency Eastern Account Systems They told me that XXXX who administers the Self funded Plan for XXXX County XXXX XXXX XXXX plan was disputing the charge. The Collection agency did not have the billing statements for the debt. When I told them that there was no record of the procedure the agent told me they would request a copy of the billing and get back to me when they had heard back from them. Also when I researched the XXXX XXXX I could find no record of them. XXXX county has been in touch and said that the XXXX procedure would normally be covered and they contacted XXXX who said they don '' t have access to the records and I would have to request in writing for them to search there archieves.My closing is XX/XX/XXXX the mortgage specilist assigned to me said that one collection is affecting my score almost 40 points
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Mortgage

When I send in my payment and payment coupon with extra money to be applied to the principal, my mortgage company applies the entire amount as additional principal and NOTHING to my monthly balance, resulting in late payment notices and penalties. Im currently paid through XX/XX/2019 and Im being told I still owe for XX/XX/2019. I have talked to them 7 times and followed their instructions twice and still have this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just paid off three loans with Cornerstone administered by XXXX. XXXX is IMPOSSIBLE. They refuse to help with anything. I send a message and they basically respond saying, " we don't care. we can't help you '' and they close the case so you can't even respond. 

They reported all of these accounts as CLOSED instead of satisfied. This my credit score dropped 40 point. I have asked them to fix it and they won't even address the issue. 

XXXX SHOULD NOT BE ALLOWED TO ADMINISTER LOANS. They are the worst I have ever dealt with in 40 years of buying properties
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX my business account at M & T was restricted for unknown reasons. I could not access funds and my debit card was cancelled without warning. After calling customer service, they explained that I should have received a letter and had to go into a branch regarding standard US Patriot Act Verification, which I had already addressed within the branch on XX/XX/XXXX in person and was told all is good. The customer service agent called the department that handles this and was told that the local branch at XXXX put the restriction on the account. After arriving at that branch, they did not know what it was for and had to call the department that handles these issues, despite being told the branch could solve the issue. 45 minutes in the branch and they were still on hold when they said they would follow up with me. Eventually, 3 hours later someone called and said it was taken care of. However, my debit card appears to be closed permanently. I still have no idea what led to all of this suddenly happening.