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

CRA IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. 
THEY ARE REPORTING MY NAME WRONG AND INVESTIGATING ACCOUNTS UNDER A FRAUDULENT NAME. 
MY NAME IS XXXX XXXX. 
my name is NOT XXXX XXXX or XXXX XXXX XXXX. 
THESE NAMES ARE WRONG, SO HOW CAN YOU INVESTIGATE ITEMS ON MY REPORT IF THESE NAMES ARE WRONG. 
my name is XXXX XXXX. 
please correct my name and do a proper investigation on disputed items.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX  : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX  : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Mortgage

I paid off a mortgage loan from US bank and they are holding the overpayment as wells as the escrow account balances for upto XXXX days. There is no reason for them to be able hold onto my funds, as they were paid in full from the new lender. This process of waiting to provide borrowers with their money and overpayments is unfair and uncessesary. I demand that these should be remitted within XXXX business days of the loan paying in full.
Product: Mortgage

My husband and I had requested a home equity line of credit in XX/XX/XXXX and were approved for {$15000.00}. We finally stopped using the line of credit in XX/XX/XXXX, and we have been requesting a summary of the payments and charges and have been given the run around. We feel that we have paid the line of credit off already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank has filed fraudulent information on my credit report which showed up on XXXX. XXXX has been notified and a dispute filed on XX/XX/XXXX. They reported on XX/XX/XXXX a " new bankruptcy-Comenity Bank/XXXX '' This account was paid on XX/XX/XXXX and included in a bankrupty filing back in XX/XX/XXXX. Upon reviewing my XXXX XXXX report, Comenity 's falsifying information and reporting actions to XXXX resulted in my credit score dropping over XXXX points in one day! I have worked diligently and improved my credit score over the last 3 years significantly. This is extremely damaging to my credit profile and must be corrected immediately. Please have this information removed and updated so that my credit score is back in the XXXX 's as it legally should be and inform me by letter : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. My attorney has been contacted and can provide the filing or any other information needed to resolve the actions of XXXX and Comenity.
Product: Debt collection

This is my 3rd complaint with CFPB about this company. <P/>They have agreed to remove these accounts from my credit files. <P/>So far they have indeed removed them from XXXX and XXXX but not XXXX. <P/>I have called XXXX and they have informed me that it only takes 24 hours to remove it from my file.
<P/>I have not received anything from this company with my signature about this debt. <P/>I have two letters from the CFPB that this company has repsoneded to agreeing to remove the accounts ... ..i am simply asking them to completed the task and remove all accounts from my XXXX credit report. <P/>All letters with a response from Commonwealth are on file at the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor 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, block 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, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - {$2000.00} XXXX - XXXX - {$4000.00} XXXX - XXXX - {$0.00} Also Known As : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I sent the credit bureaus letters asking them to verify a debts on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
15 U.S.C 1681s-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

According to NMLSCONSUMERACCESS.ORG this company does not have a license to collect ANY debt in the state of Texas. 

I would like to know how this company is reporting an alleged collections account as an open account with a past due amount as valid and accurate. This alleged account is listed as a Collection with a PAST DUE BALANCE OF {$420.00} - ACCOUNT # XXXX, {$4300.00} - ACCOUNT # XXXX, {$1000.00} - ACCOUNT # XXXX This is a violation of FCRA and also in violation of requisite METRO 2 COMPLIANT reporting standards and must be permanently removed from my consumer report. 
If you can not provide me with your method of validation then please delete due to inaccurate reporting.
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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Debt collection

I first noticed this account for collection ( Midland Credit Management ) when I checked my XXXX XXXX account. I never applied for credit for whom they are trying to collect for. In which I had a fraud alert on my credit report when I became aware of this claim. I sent this company a letter approximately XX/XX/16, stating that I did not owe this debt and that I would like to see debt validation to support their claim. They only did not comply with my letter, they sent another letter to me on XX/X/16 saying they were uncertain of what I was disputing and did not provide any information of how their investigation was conducted.
Product: Debt collection

My name is XXXX XXXX, and I am Consumer who is currently a Victim of Collection Agency attacks and violations of my rights. My Private Personal Information has been illegally purchased and utilized by this Collection Agency by the name of FIRSTPOINT COLL RESO for a Fraudulent and Inaccurate account for the total of {$280.00}. I have no awareness of this account, because it is not Valid or mine. I have NEVER SIGNED or CONSENTED or GAVE PERMISSION for the Collection Agency to access my information and report Falsified Damaging Information against my Consumer Credit Report. This unethical Collection Account MUST BE REMOVED and Deleted immediately from my Credit Report as per Federal Law and FCRA Regulations. 

These abusive, unethical, and unlawful Practices by Collection Agencies such as FIRSTPOINT COLL RESO are extremely detrimental to society, and I refuse to have my Credit Worthiness damaged any further by this FALSE and FRAUDULENT Collection Account. This account must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a CFPB complaint ( XXXX ) against Equifax for its refusal to provide information about a significant drop in my credit score preventing me from borrowing. I included a plot ( attached ) of my scores for the months in question, requesting Equifax to provide me with complete records including any derogatory information it had entered onto my credit file to make this happen. 

In its confusing short " form '' response a month later on XX/XX/XXXX, Equifax directs me to their website and also states it has sent me a letter in the mail on XX/XX/XXXX, three weeks before its online response. I did not receive any letters. Equifax should have sent its letter with its online response to CFPB. 

I am filing this complaint to again request Equifax to seriously and completely investigate my complaint, provide a list of all inputs to my credit file that made my credit score drop hugely, and mail its findings NOT to me but to CFPB so both CFPB and I can review it.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.

1 Please remove the following inaccurate address from my credit report XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please verify this account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation.
Product: Vehicle loan or lease

On XX/XX/2020 I purchased a vehicle at XXXX XXXX in XXXX, Wisconsin and the dealer secured financing from ALLY Financial. I was never provided a title supposedly because Wisconsin requires the title to go to the lien holder. I am a Missouri resident which is a title holding state. To register and license a vehicle in Missouri you must have the title otherwise you can not do anything with the vehicle. I have tried numerous times to reach out to Ally by email and phone to get the title and explained to them that without it I can not even drive the vehicle purchased. They refuse to give me the title. I have sent them information on Missouri regulations for titling a vehicle from the DMV. My local DMV has tried contacting them also. They will not provide the title so I can not drive my new vehicle and am incurring late fees for titling the vehicle. There is no resolution in sight as they will not budge or even respond to my emails now.
Product: Credit card or prepaid card

I took a promotional offer with Comenity Bank to pay for a dental procedure with 0 % interest for one year. The promotion ended on XX/XX/19. Knowing I would be charged approximately {$600.00} interest on a balance of approximately {$1200.00}, I made a balance tranfer with XXXX  XXXX XXXX to pay the remaining balance onXX/XX/19. I obtained a copy of the check XXXX XXXX XXXX sent to Comety dated XX/XX/19. Comety is one of the few banks that require a snail mail payment from other banks. I was not aware of that. Comety did not process my payment until XX/XX/19 and charged me the penalty interest.
Product: Credit reporting or other personal consumer reports

In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from all unfair credit and collection practices I told XXXX, Transunion, XXXX to reinvestigate these accounts XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX 15 USC 1681 section 602 A. States 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 instruction.

None of information as been removed upon request of deletion.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692 This law governs abusive a nd illegal Tatics collection agencies/ creditors use. If they are in Violation they must delete account. FCRA Section 632 This governs the responsibility of " data furnishers '' to the credit bureaus. If the information is found erroneous or unverifiable they must delete the negative item. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1682c, this is my formal declaration to terminate and cesse all communication from you in regards to the debt you are attempting to collect. aresponse to this 'Cessing Communication ' letter, in accordance with .Federal Fair Debt Collections Act, you may only contact to informg
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

In mid XXXX I went in and applied for a loan on behalf to help my brother saved his home from the state of NC, due to being in a hit and run 6 months before, a XXXX for 10 days. As I saw him in XXXX and could tell he had recovered an awful lot.I received XXXX in a loan and was not enough to help him so went back with XXXX dollars, was told to come back on the first of XXXX. Had XXXX dollars on the first, which was half way paid for. A clue of weeks later, got a card about refinancing. Needed groceries, was sick and under a lot of stress at the time, but did not realize that they had started back with the XXXX amount till I had signed the papers. Went home found receipt and realized that the XXXX dollars I had paid was no where on them. Have attempted trying to find out why, and the lady upset me so I called there headquarters in S C, got disconnected and felt that I as being XXXX and only one income had been ripped off. So I called the XXXX XXXX XXXX and they gave me your number so I felt that I needed to make a complaint. As I am too old for for kind of abuse.
Product: Checking or savings account

Capital One is refusing to give me my money. $ XXXX check for XXXX XXXX  . 
I went to the bank and deposited a stimulus check with my brother 's name with Valid ID and VALID POA and the bank took a copy of my ID and made a copy of my POA I was told by a Manager of Capital One to go to the branch and that I can only deposit but Not cash the check.. I did that. Capital One then put a hold on All of my accounts and frozen all of my money.. I had to fuss with them to release my money .. I've never done any fraud with banking accounts. By Capital One holding my money it has caused me to be in a hardship and I've been ill lately and i need those funds. I have told Everyone how i've had Capital One and no issues Until Now .. While in the lobby @ the XXXX location I informed this is the normal for I want the bank to give me my money ASAP. $ and a forma l apology. Capital One. They could have denied my check now they are refusing to give me the check or my money.
Product: Credit reporting or other personal consumer reports

I always paid and pay on time and Im on auto payment set up with all of my credit cards and capital one all of sudden reduced my maximum allowances from {$5000.00} to {$3000.00} without any notifications and reported to transition with no valid reasons. I called them numerous times to explain why such a change even though I was always pay on time and on auto set up so I can not be late on any payments what so ever. They never replied back and instead reported to credit bureau XXXX XXXX with NO VALID REASONS AND I need this report to be removed immediately and my credit got all messed up due to this nonsense act by capital one and very shady act. Must be reported and must be removed ASAP immediately please.
Product: Credit reporting or other personal consumer reports

All of the below companys have used my credit report improperly. By law, if I refused to pay a debt a collection company has to stop all contact including reporting to my credit agencys. Also do not have any debt with the companys below nor have I signed a contract with them. I have disputed these account several times. Also I have not received a contract of debt from any of the following companies and would like proof of any contract I signed from there company and proof of validation of debt. Also they are reporting late, missed payments when I never agreed and actually am denying debt owed to them. These are the accounts below I am disputing 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
Product: Credit card or prepaid card

Barclays XXXX  Mastercard. After checking my statements I realized they charge me Interest Twice a month???? I tried talking to them on the phone. Also they charged me a returned payment fee because my payment didnt go through but i still made two payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 20 missed payments from Navient on my credit reports from all three credit bureaus, XXXX, XXXX and XXXX that I want removed. I have been sending Navient letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that XXXX sued Navient because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of Navient offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit
Product: Credit reporting or other personal consumer reports

My account with NISSAN MOTOR was never late! I have had exceptional payment history witH capital one 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 those account 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.

NISSAN MOTOR 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: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car lease with XXXX XXXXXXXX XXXX Equifax refuses to update their records and keep saying I owe a balance XXXX as of XX/XX/2021. This was paid off XX/XX/2021. I would like this updated on my equfax report
Product: Debt collection

I received two robo calls today. One call came in on my work number and the other call my cell phone. They called my nephew as well. They stated I needed to call them back or there would be legal action. They stated I had not responded to previous attempts. I have never heard from these people before and have no outstanding debts
Product: Debt collection

From XXXX ( now ), I have been being harassed by FIRSTSOURCE ADVANTAGE regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. Also I am aware that this company does not have a license to practice in the state of Georgia where they are attempting to collect said debt. 

In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, FIRSTSOURCE ADVANTAGE is hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. Please take note that I am declining any attempts by or any other collection agency with regards to this matter. 

In addition, FIRSTSOURCE ADVANTAGE is hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I am requiring documentation to confirm that FIRSTSOURCE ADVANTAGE has complied with this request. 

I am also requesting to CEASE AND DESIST FIRSTSOURCE ADVANTAGE from contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to collect this alleged debt.