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

Chase Card is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Early Warning Sign, XXXX are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible use thats the reason they wont deletehowever based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. NONE of the inquiries EXCEPT the ones I have direct open accounts with should be on my consumer report AT ALL!

Please cure asap or I will move forward with the INTENT TO SUE for each and every valid violation.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, I've contact Experian regarding an account that no longer belongs to me. Because of a divorce, the judge granted full responsibility of an Recreational Vehicle financed by XXXX XXXX XXXX  to my ex-husband. He was to be responsible for payments and management. I have submitted court documentation on multiple occasions to support that I no longer am liable for this account. I have submitted on 4 occasions, with no feedback regarding why they didn't remove the account or if they need additional information. When I attempted to contact XXXX XXXX XXXX, I was advised that I was no longer allowed to get information on the account. Then my exhusband claimed bankruptcy and claimed XXXX XXXX XXXX  in his chapter XXXX. Again, I tried to notify the bank that I was in disagreement with bankruptcy, and I was told that I no longer have responsibility to the RV. Our court paperwork, dictated we were not allowed to claim bankruptcy on martial debt, but somehow there was a loophole because he was granted full responsibility of the vehicle ... ..So therefore, I should'nt be held responsible for his poor finances and his inability to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX is showing that this account is 60 days late I have a document from XXXX on this account showing that this account is closed and paid as agreed with no late payments. 

The sent me a payment history showing positive payemts please have them remove this immediately because it is damaging my name and my credit. 

Thank you XXXX XXXX XXXX
Product: Debt collection

The hospital failed to send my medical bills to the correct address. I never received any bills nor did the input all my information as I have healthcare coverage that would 've covered the entire bill. They asked me for all my information and STILL failed to get it right. Now it has gone to collections and it is on my credit report because they failed to do their job. I have had so much trouble trying to get a copy of the bill.  One  gentleman I spoke with earlier his year asked me for the number on the back of my   XXXX   card and all my member information and assured me he would take care of it. Now it 's on my credit report and every time I follow up they tell me something different!
Product: Credit reporting or other personal consumer reports

This account is being inaccurately reporting on my credit profile for some time now. This account was sold to a creditor by the name of XXXX XXXX XXXX XXXX XXXX in XXXX. I previously attempted to dispute the inaccuracies in XXXX of XXXX, XXXX of XXXX and XXXX. Instead of this account showing sold to a collector or charged off, it has continually been showing as an open account with late payments EVERY MONTH which has substantially affected my payment history and credit score across all 3 of my credit reports. As recent as XXXX this account is still showing as OPEN and LATE with a balance which is incorrect information. This account was settled and paid in full with the the above creditor that it was sold to and has a XXXX balance and has been CLOSED as of XX/XX/XXXX. I overpaid on my settlement amount and was sent a refund and letter of overpayment which I will attach with this complaint. This account was still being reported as OPEN and LATE after the closure date listed above. Also furthermore Per my agreement with credit acceptance and the arbitration clause any disputes that may arise from either party would be handled by an arbitration and not my a court. This clause was violated when a request and judgment was submitted to the court in XXXX of XXXX. I also had previously contacted the company for a voluntary repression and the vehicle was never picked up nor was I contacted back by the company advising of this. The mechanical issues with the vehicle were NOT covered by the extended warranty that I purchased NOR were they covered by the manufacturers warranty as the company previously stated in their complaint response. There have been many discrepancies and inaccuracies with this company and many of its consumers including myself.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  started reporting late. And stayed reporting late until XXXX XXXX  when it was paid in full. 
Carrington was paid weekly {$160.00} drafted from my account, instead of applying the funds to the account balance the company held the money until they received XXXX payment. If they would have applied the funds it would have decreased the balance each week and interest. The account was paid in full and sold in XXXX, 9 years after purchase. 
Now my credit report history appears that I wasn't paying my mortgage because it doesn't show a single payment on time. This is incorrect and is preventing me from buying a home. I am a productive citizen working in the XXXX industry. Even when I was out of work from workers comp in XXXX  I was still paying my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604A Section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

I have been trying to get my credit report from tranunion online for over three months, I have spent in excess of 20 hours on the phone with them. I keep getting an error saying they ca n't access my account with the information supplied, it does not ask for any information just ask me to log in, I have verferd the correct address is on file with them my name is spelled right. Trans union keeps saying try in 24 hours yesterday they said someone would call me within 24 hours and no one every did.
Product: Debt collection

I sent Diversified Consultants a dispute letter dated XX/XX/XXXX via XXXX certified mail, that was delivered and signed on XX/XX/XXXX. In my dispute letter I clearly ask for validation of this alleged debt. I request this company to provide me with any document bearing my signature that states I agree to pay or owe Diversified Consultants any outstanding debt. I have never spoken to anyone from this company or made any kind of arrangement of payment to them. This is not a valid debt that I owe, and I'm very specifically asking for copies of documents bearing my signature that connect me to this account. Diversified Consultants has no where near provided me with that. What they sent me was a letter dated XX/XX/XXXX which states they are in receipt of my request for this validation of account, but they don't provide any of the proof I request. They send a copy of a revised bill with just the amount XXXX on it and its says Due Immediately. At the top of this bill it has Bill period XX/XX/XXXX-XX/XX/XXXX. 

Also after reicieving this dispute, Diversified Consultants never contacted any of the credit agencies that they are reporting this and marked this account as Disputed as required by law. 

I followed this up with another USPS certified letter dated XX/XX/XXXX that was signed for by Diversified on XX/XX/XXXX. In this letter I continue to state they have not provided me with copies of the signed documentation that I request. My letter clearly states per FTC Attorney XXXX XXXX a copy of a bill isn't debt validation. They have provided mw with nothing to validate this alleged debt as belonging to me. 

Clearly they don't have the documentation I'm requesting on this alleged debt, or they would just provide it. They are stalling while they blantly skirt FCRA laws. If this account isn't immediately deleted from my credit report, and not sold to another collection agency, my next step is to sue Diversified Consultants in court for various violations.
Product: Checking or savings account

My name is XXXX XXXX please add this to CFBP case number is XXXX I need my XXXX claim disputes numbers XXXX and XXXX a update on it if credits was provided or not or denied and if it was denied I need it to be reopen or appeal and investigate because I disagree with both decisions on both of the claims and then send me the new decision for both of the XXXX claims when yall reopen them up and investigate them again for both of them claims and if they still not in my favor please onetime my credit for a negative balance of {$210.00} because I am dealing with a struggling right and financial issue and hardship issue right now and I am on XXXX and have low income and received XXXX government benefits and I cant pay it and staying at a motel  homeless and send me proof of my new balance showing {$0.00} and send me my left over balance after all my claims are processed and send me a check in the mail for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and send me my left over amount how much I am getting back when yall give me a onetime credit for {$210.00} to take care of my negative balance I didnt overdraft or make negative over fraudulent and my account is supposed to be automatically closing by yall on XXXX XXXX and I cant take care of that of my issue I say I am facing and I didnt do of fraudulent so please take care of that too and waive the negative balance to {$0.00} or give me a onetime credit for {$210.00} to make it cleared to {$0.00} because I am not going to pay for it I didnt do it and it is fraudulent and I am not responsible and my checking account number is checking account number is XXXX and saving account number is XXXX etc
Product: Student loan

I am having paying my student loan thru Mohela. The fist payment I made it and then I signed in to have direct deposit by month to be paying the loan. I then got a letter that I owe 4 months of payments and I pay them. The next month I got a letter that I owe 5 months. Why are they not taking my money and stacking months and months of late payments when I am trying to pay everything. Now I dont have enough money to cover what I owe them.
Product: Debt collection

I noticed unauthorized accounts on my credit report that are harming my credit.
Product: Payday loan, title loan, or personal loan

I am still gathering the documents that I need. At the present time I do not see a problem getting those documents. XXXX XXXX has taken money out of my bank account without my permission. I made a payment online and the company then took out the complete installment that was due., I had informed them I was attempting to make payments and there was no disclosure indicating that they would be withdrawing the complete amount. I was very stressed and could not sleep for days. Speedy cash has not resolved my concern. I need to know how the company will compensate me for their mistake. I feel so uncomfortable attempting to pay that debt. Scared. Very deceptive business practice. My name is XXXX XXXX XXXX.My date of birth is XX/XX/XXXX, my social security number is XXXX. I do not have the loan number. Please do not publish my personal information. you may publish everything but my personal information.
Product: Debt collection

XX/XX/XXXX, my mother was handed a letter for an income execution that was against me sent by Forster & Garbus. XX/XX/XXXX We immediately contacted Forster & Garbus and eventually were informed that this stemmed from XXXX XXXX, a credit card that was opened in my name in XXXX! I informed XXXX XXXX at Forster & Garbus 's Fraud department that I have never had such or credit card. In fact, this was the very first we had even heard of such a credit card. I am a victim of identity theft. Whoever opened this credit card put down an address I've never lived at, and listed an employer for whom I have never worked. Therefore, all prior attempts to contact me never reached me else I would have had a chance back in XXXX to dispute this when it first was filed with the sheriff 's department for income execution. Research shows XXXX XXXX has been a defunct company for more than 10 yrs. 

XX/XX/XXXX, I filled out an Affidavit of Fraud, on XX/XX/XXXX Forster & Garbus decided it was a vaild debt no matter what we had stated. XX/XX/XXXX filed an Identity theft report with identittheft.gov, and put alerts on my credit report. We contacted the State Police regarding the matter but we were informed the statute of limitations was up to even arrest anyone. 

XX/XX/XXXX, Forster and Garbus have now located my actual employer and a wage garnishment is pending. I have requested repeatedly for proof of the debt and informed by Forster & Garbus there is no paper trail. No copies of any such statements, no copy of the alleged credit card application. Oddly enough, this appears no where on my credit reports causing us to wonder if this isn't a scam debt. Despite all this, there is now a pending wage garnishment for {$3100.00} for a debt I never incurred from XXXX
Product: Debt collection

Hello, I paid my debt in full to Receivables Management Corporation. I paid them {$760.00} plus a {$6.00} processing fee. I want this paid off debt reported to all of the Credit Bureaus, XXXX, XXXX, and XXXX, so it can be removed from my credit.
Product: Student loan

I spoke with Sallie Mae regarding my student loan repayment options and requested an alteration to the length of the loan to reduce my monthly bill. However, they did n't even think for a second, and simply said " No, we do n't do that. You owe what is on your monthly statement. ", then asked if I wanted to make a payment. When I said that I did not want to make a payment at that time he said have a good day and hung up. Because the federal government has decided to let student loan providers XXXX anyone trying to better themselves they apparently do n't care at all about their clients once they have you on the hook. They know that there are no available options for people like me, legal or otherwise, to even get help on handling this debt. I did n't ask them to forgive my debt, and I was trying to offer a way I could pay them back, but since they are above the law they know they can just tell me to XXXX and simply garnish my wages. I am now in a situation where I am having to consider filing for bankruptcy. If Sallie Mae could work with people there would n't be so many individuals in default on loans, but I know I ca n't do anything about this debt, so I have to see if I can do something about other debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company DID NOT VERIFY these items pursuant to FCRA 609 ( a ) ( 1 ) ( A ) before placing these on my consumer report. As well as I did not give Transunion written permission to report my non public personal information onto my consumer report. I have a right to privacy. please delete
Product: Debt collection

The account is still being reported on my consumer report even after being deleted previously
Product: Debt collection

On XXXX/XXXX/2016 at XXXX, a gentleman by the name of XXXX XXXX called and was asking if I knew a person by the name of XXXX I told him that she was my sister and that I can take a message for her. He was trying to smooth me into a personal conversation and kept trying to persuade me that he is the " nicest guy I will ever talk to. '' He also gave me private information about my sister, which includes her full date of birth, age ... etc I told him that was a XXXX violation and that I did not appreciate him sharing her personal information with me. He just kept talking over me and did not let me get a word in. 

He also told me that he is from the pre-legal department from ACM ( Alliant Capital Management ) and was trying to resolve a serious problem in which will turn legal if XXXX does not contact him as soon as possible. He just kept talking over me, and did not let me speak. He just kept threatening about how he works for the legal department and if XXXX did not contact him, he will persuade a legal case against XXXX 
After arguing with him and trying to get all of his information, I informed him not to contact me any more and hung up the phone. 

I do not appreciate his phone tactics, trying to persuade and threatening me about taking legal against XXXX 
I am not the owner of the debt and personal information about XXXX should have not been shared by XXXX XXXX XXXX XXXX 

His name is XXXX XXXX XXXX # : XXXX Other # : XXXX Company : Alliant Capital Management
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report. 
2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I took out a loan with XXXX XXXX dba XXXX which was sold and paid off by the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in 2005. I keep receiving alleged payment stubs from a company called Select Portfolio Servicing ( SPS ) which as nothing to do with this loan.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance XXXX - Charge off XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX - Charge off XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$110.00} - Charge off XXXXXXXX XXXX XXXX Balance XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX - Collection XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXX -Late/closed XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX -Late/closed XXXXE XXXX Date Opened XX/XX/XXXX Balance XXXX - Late/closed XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XXXX  XXXX XXXX Date XXXX XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXXXXXX Balance XX/XX/XXXX Balance XXXX - Late/Closed XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX