23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 I mailed a cease and desist communication of an alleged debt to Santander Consumer certified mail. Santander Consumer received my cease and desist letter on XX/XX/2022. Santander consumer is still communicating this debt indirectly through the credit reporting agencies. 15 USC 1692a ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. Credit reporting agencies are the medium that Santander Consumer is still communicating this debt indirectly too. 15 USC 1692c ( c ) Ceasing Communication, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
I have documentary evidence from Santander Consumer willfully acknowledging receipt of my request, yet Santander Consumer is still willfully and knowingly communicating to the credit reporting agencies.
Product: Debt collection

I have been receiving notices from two debt collectors, XXXX XXXX XX/XX/XXXX ) and then Portfolio Recovery ( XX/XX/XXXX ), about an amount of {$340.00} which I supposedly owe to XXXX for purchases made in XXXX at XXXX, on XXXX XXXX MasterCard XXXX. I do not own that card and I have a different account number with XXXX. I even received a notice from something called XXXX XXXX saying that this account was sold to Portfolio Recovery on XX/XX/XXXX. 
I keep records of all my payments and I know that I have paid off my debts in a timely fashion. I owe nothing, this is the XXXX Statement record ; Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX This must be a scam.
Product: Debt collection

We have a loan for a remodel project. Sometimes we pay ahead and some times we do get behind. I have told them and emailed them to not contact us via work. They have a cell and email. They have the option to email and leave vm. 
Even after asking them to not contact via work they continue to do so. 
The company is Service Finance LLC The last time in writing I asked them to never call work. That was to the account manager XXXX XXXX XX/XX/XXXX and at that time I told her we would make payment that coming up weekend. 

Today XX/XX/22 they called my work 3 times, I have picture from the caller id of 2 of those 3 calls, they did not attempt to call my cell at all
Product: Credit reporting, credit repair services, or other personal consumer reports

These account have no LAST DATE OF ACTIVITY and other errors. These are not my accounts. Please remove ASAP. 

U S DEPT OF EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Previously sent in identity theft form to XXXX. It was denied due to discrepancies. The account number is corrected and moving forward if these accounts continues to be furnished on my report litigation proceedings will continue with the help of CFPB. Please see attachment. Attached is my FTC report
Product: Credit card

On XX/XX/year> I contacted Capital One Bank about a billing error and gave them specific written instructions to refund all previous payments made to the account back to me and correct the billing error. I was ignored and Capital One has failed to respond. This has left me out of the necessary funds needed to continue my daily living and has cause damage to my personal, family and household. I have also requested a credit line increase numerous times and have been unlawfully denied causing me to suffer further from Capital One misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy on my credit report. They have stated that this information is verified. I have contacted the original reporting agency and have been advised that they didn't report my information to these credit bureaus. I have attempted multiple times to remove.Please have this information removed from my profiles immediately.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$740.00} US DEPT ED XXXX Balance {$4900.00} - US DEPT ED XXXX Balance XXXX XXXX US DEPT ED XXXX Balance {$4000.00} US DEPT ED XXXX Balance {$910.00}
Product: Payday loan, title loan, or personal loan

Original loan was with XXXX XXXX, the company was bought buy OneMain financial in XXXX. Date of original loan was XX/XX/XXXX in the amount of XXXX, account number XXXX. OneMain is reporting negative information on my credit report ( account charge off ). This account was paid as agreed, also paid in full on XX/XX/XXXX. I received a certified letter from OneMain, with all documentation verifying the satisfied account has been paid as agreed, paid in full & it shows that I was never late with making payments. I tried to reach out to OneMain when I noticed that they were reporting my account as a charge off. I also tried disputing the negative information online, the results from the online dispute that the account was verified as accurate & was a charge off. I have also tried mailing letters to the company, but my letters were returned. I would like for the company to remove the inaccurate information or at least update my payment history as this is harming to my credit ability.
Product: Credit card or prepaid card

This closed my account because they said fraud charges on my account and then closed it. I dispute all charges on what they were talking about and it was from XXXX XXXX  they charged me like {$1000.00} in credit card debt but before those charge my card was locked and i had and avialabe credit of $ XXXX en i finally spoke with a agengy about it this was in XXXX and i m thinking everthing would be good all charges got credit back and brought my account back to a XXXX balance but they closed my account and said that cant reopen my account. SO then im like can u open up me another account they told me that t hey cant and then when i asked about my avaiblae credit that was on the account they told me they would mail it but i never got no mail until i got an alert last week saying i owe {$290.00} and when i logged into my aspire account i sent they charge me back on {$290.00} that XXXX did and opened up another account with that balance saying i owe that money and Im like WOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information the credit reporting agencies to have information removed from my consumer reports based on federal consumer protection violations. I have sent numerous pieces of mail regarding the removal of those accounts and to no avail, there has been little response. I am asking that you please step in to ensure there is an active hand in reviewing the accounts, read the alleged violations and to confirm if they are indeed in violation based on the information that I had sent. 

I advised the consumer reporting agency that they were in violation of my consumer protection rights as well as provided them with a printout of that violation and why I believe they violated that US Code. 

The consumer reporting agency has violated 15 US Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave the credit reporting agency permission or written consent to report anything on my consumer reports. No consent, by federal law, constitutes identity theft.
Product: Debt collection

XXXX XXXX XXXX XXXX - why is There activity such as late payments being reported after this account was closed/charged off?

And In the comment section the account is missing notice of dispute. These are factual FCRA violations.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XX/XX/XXXX - XXXX - {$0.00} Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/2024 XXXX CARD - XX/XX/2024
Product: Debt collection

The companies involved are already aware as I have written to all of them. Barclay is claiming that I have not made any payments since XXXX towards a bill I owed them. They are claiming that I still owe {$1500.00} when I have proof from my bank and from their debt collector that I have made a one time lump sum payment of {$640.00} plus $ XXXX/mo every month to their debt collector. My bank has all the records of these payments as it was automatically withdrawn from my account every month. Their designated attorneys known as XXXX negotiated with me. XXXX went out of my business in XXXX when my account was paid in full. They told me that Attorney XXXX XXXX would review my file as these were the new collectors and they would send me the needed " paid in full '' paperwork. That NEVER happened, XXXX instead wrote me and said that I haven't made payments since XXXX. This is inaccurate. I have sent letters and proof to XXXX XXXX and three credit bureaus. They won't even let me " add a statement '' to my credit report. This is unfair and an unethical practice of bullying a consumer, namely me. I have all proof and documentation I am more than pleased to provide. Additionally, the first invoice I ever received said that I purchased an XXXX product which I did not. The invoice dated XX/XX/XXXX has all of my information on it, except it has the wrong account number on it, # XXXX. They argued with me and said it was mine so I tried to pay this fraudulent claim, just to get it off my record. I tried to pay it, but this is not my account #. Every invoice after that had the correct account # on it which ended in # XXXX. # XXXX is my account number, the original " XXXX XXXX' invoice is not.
Product: Debt collection

Ive reached to this company regarding my insurance company paying off this debt. Ive facts them all the information they need to contact the insurance company or reached out to me and they didnt.. Ive called XXXX XXXX XXXX and they didnt have a answer for why they didnt contact the insurance company before sending my name to collections and they didnt have an answer also.. theyre not taking accountability for not talking to insurance company who assured me my bills were paid
Product: Credit card

Last time when I checked my credit report, I have found XXXX fraudulent inquiry on my credit report. This is a fraudulent inquiry. I have never authorized it and I have never submit it. 
Here are all the details of this inquiry : CBNA XXXX XXXXXX/XX/year> and it shows me only on XXXX
Product: Mortgage

I have a mortgage with Renasant Bank ( Mortgage loan # XXXX ) XXXX XXXX XXXX XXXX, NJ. I am behind in my XX/XX/2019 payment. I have paid my XX/XX/XXXX and XX/XX/2019 payment. I was assessed a late charge for the non payment in XXXX in the amount of {$52.00}. The bank is now accruing that late charge and is asking for {$100.00}. True, the XXXX payment still has not been caught up yet. However, I thought it was illegal to pyramid late charges.I do plan to have the mortgage current by XX/XX/XXXX. 
This mortgage servicer is pyramiding late charges on one past due payment. 

Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the fraud alerts and extended fraud alerts from all 3 bureaus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. CONSUMER DID NOT PROVIDE ADDITIONAL INFORMATION.
Product: Debt collection

I was in the United States XXXX and I was stationed in XXXX, XXXX from XXXX to XXXX. When I was given XXXX orders ( XXXX XXXX XXXX XXXX ), I brought a copy of my orders to XXXX and paid my last phone bill before closing my account ( around XX/XX/XXXX ). I got to my new unit in late XX/XX/XXXX, in XXXX XXXX. On XX/XX/XXXX, I checked my credit report and saw a collection agency had a debt listed for the XXXX bill. I called the agency and paid it again, just incase maybe there was anything else due that I missed. The agency wrote me an email as proof that I paid so I wouldn't have to deal with the collection ever again. Since then, XXXX has been spamming my credit report with collection agencies to get an additional {$220.00} from me, in XX/XX/XXXX, and also now ( XX/XX/XXXX ). I refuse to pay a debt I don't owe. I don't exactly know what to do but I am beyond angry with them for continually trying to use my credit report like a hostage to get money from me, especially since I always pay my bills on time, in full ( and, for example with my car, I pay way more than the minimum due ; I'm 3 months ahead on my car loan. )
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX Account # apple credit card has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to USAA SVG BK acct # XXXX I've disputed this account with XXXX, XXXX XXXX and XXXX XXXX I've also submitted several certified letters to all three credit bureaus with no resolve on the repeated reporting of this inaccurate information on my credit report. 
In accordance with the Fair Credit Reporting Act. The listed above account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. USAA SVG BK 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 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.

Also 15 USC 1666b ( a ) clearly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This therefore is fraud on both the CRA and the furnisher of this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent National Credit Adjusters a request to validate account via certified mail. National Credit Adjusters responded on XX/XX/XXXX, stating that they received my written request but it may take National Credit Adjusters more than 30 days to investigate. As of today, XX/XX/XXXX, I still have not received a response from National Credit Adjusters validating this Unverified/Inaccurate information which is a violation of Section 623 ( a ) ( 8 ) ( D ) of the FCRA, if you can not verify because you sold the referenced account with disputed information, then you are reporting " Unverified/inaccurate information '' -- which is a violation of Section 623 ( 2 ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

In addition, this request is non-compliant because under State and Federal Statutes a response should have been received within 30 days or item should be deleted from my credit file. I reserve the right to file charges and take legal action to recover damages, if this is not removed from my credit profile immediately.
Product: Debt collection

Gc Services Limited Partnership is attempting to collect a debt that I do not owe to them. Ive never done business with them, and I have no idea who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than XXXX days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : 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 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.
Product: Mortgage

I'm on forbearnce plan with XXXX  XXXX XXXX XXXX i have been making my monthly payment from XX/XX/21. thats 5 months.=XXXX. they have not credited my account for these payments. Also, my bank states payments have been made. customer service transferred me and waitting over 1:30 minutes now for update on my account? tis has become very stressful. No one is telling me where my payments went? please help.
Product: Debt collection

I have an agency in XXXX Illinois by the name of AFNI constantly calling me at my place of employment. First they called for my mother and now calling for me. I dont know what this debt is regarding but they have threatened legal action to my co workers on my behalf and i want this harrassment to stop
Product: Debt collection

XXXX is charging me XXXX dollars for a course that was never completed. They clearly did not explain me owing them the amount of XXXX dollars. A company called I C System is currently in charge of the settlement.
Product: Checking or savings account

Navy federal credit union closed my account due to me getting my identity stolen they went through my account when I reported to them they confirmed with me that a device I didnt even own was logged into my online banking my email phone number and personal information was also changed and I give them all the correct information that was mine they then told me not to worry that they will open my a new account ( I did say I would pay the negative balance from the past account because I believe I should have been more observant in my transactions history ) two days after the account was opened I called to ask a question and find out they had closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Curo Management LLC, 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

Several of the Bureaus have not responded to me at all on this issue however, XXXX specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX  Bankruptcy ''. 

XXXX and Equifax have completely ignored my request with XXXX communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.