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

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is incorrectly reporting that I have 1 late payment. On my Equifax report there are XXXX late payments being reported. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$11000.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX Account Number : XXXX Balance : {$18000.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my Equifax report there are XXXX late payments being reported. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$11000.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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  These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Payday loan, title loan, personal loan, or advance loan

I am a spouse of a XXXX XXXX member. I got the loan XX/XX/. I am paying it for {$220.00} bi weekly until XXXX XXXX. I owe {$1200.00} and with the interest rate it became {$2600.00}. I am not aware of the contract regarding their cab fee which is double the loan I owe. And then I read about the MLA program for military members. We are facing financial crisis at this moment and hoping we can get our benefits as a spouse/XXXX XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I sent a cease and desist letter to lexis nexis but they continue to report this information to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}
Product: Vehicle loan or lease

My complaint : THIS IS NOT A CAR. 
Nissan sold me a golf cart with a faulty power system, a discontinued battery, and no way to replace it, and they charged me FOR A CAR. 

XX/XX/XXXX Purchased the car used with XXXX miles, from XXXX XXXX Nissan. 

XX/XX/XXXX first repair incident. I drove the car XXXX miles out of town on a XXXX mph highway and the car overheated. Stopped to fast charge. Limped home with reduced power warning. In the morning, the car had failed to charge and was towed to XXXX XXXX Nissan. They said no repair was needed. They charged it, told me it was my fault for driving it below 10 % the day before, and gave it back to me. 
Tow truck cost me {$69.00}. 

XX/XX/XXXX drove the car XXXX miles then fast charged XXXX minutes and it gave an overheat warning. Reset overnight on drip charger. 

XX/XX/XXXX Nissan informs me of a recall on the car battery. Advised to never use fast chargers until they create a fix for the battery. 
No fast charger has been used since. 
There is still no fix. 

XX/XX/XXXX Filed a complaint with Nissan. They opened a case and quickly closed it concluding the issues with the car are my fault for the ONE incident of allowing the battery to go below 10 %. 

XX/XX/XXXX Scheduled maintenance visit to fix the THREE recalls and repairs needed. Only one was fixed, the backup camera software I think. 
The battery was NOT fixed. 
The airbag warning was NOT fixed. I sat in the dealership for FIVE hours. 

XX/XX/XXXX. Car died with 30 % battery, after running emergency blinkers for XXXX minutes. 
Tow truck cost me {$88.00}. 
XX/XX/XXXX car was returned, repairs the power distribution system. 

XX/XX/XXXX Car threw a low power warning and malfunction after driving on the highway for XXXX MILE. Car battery started this trip at 65 %, but when the warnings flashed the panel showed 0 % battery power. Stopped along side of the road, turned it off and on again, and battery rebounded to 25 % but didnt clear low power warning. Limped home. XXXX XXXX ( working with me since XX/XX/XXXX ) said to bring it in Monday XX/XX/XXXX. I did so, and was issued a rental. 

XX/XX/XXXX XXXX calls to say the whole battery is rotten and they will replace it. 

XX/XX/XXXX XXXX calls to inform me that he is going out of town for a week but there would be no delay from his departure because they dont have the part yet. I asked if Nissan makes the part and he says no. They dont. I asked how long will this take he says he doesnt know.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account # XXXX, XXXX  XXXX, XXXX 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known, or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute accounts with XXXX  ( LVNV FUNDING LLC XXXX ) and I have not been successful in deleting accounts and XXXX  is no compliant with FCRA 605B. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove these specific wrong accounts.
Product: Debt collection

The XXXX XXXX and its Manager XXXX XXXX reported false statements to the 3 Bureau Credit Agencies XXXX, XXXX and XXXX claiming the amount of {$3600.00} for breaking an apartment lease contract. In reality both parties were well informed in writing the non renewal of the lease and the reasons why we forced to move out of the unit on XX/XX/2021 before lease expiration XXXX XX/XX/2021.
Product: Debt collection

The Bureaus   XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX This Company needs to seize and be charged for criminal activities with the purpose of obtain financial reward This company keeps flagging a collection into my credit report with XXXX  that is not mine from XXXX  XXXX. 
All credit cards I have had in the past years ago with XXXX XXXX have being paid and settled. 
I have not recently applied for any cards or have had an open account or had and open account with XXXX XXXX recently!! 
THIS NEEDS TO STOP! 
This false account must be remove from my credit ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to remove fraudulent inquiries on my credit report. Ive submitted multiple letters to transunion to have them remove the inquiries that I did not apply for. All other reporting agencies have recognized that the inquiries are not mine yet transunion is unwilling to remove these inquiries. 

Inquiries Below : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX and final attempt to supply court documentation to EXPERIAN regarding a recent lawsuit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The lawsuit was DISMISSED due to notice of XXXX : XXXX XXXX XXXX verb XXXX. XXXX. ( of a judge or court ) subject ( a plaintiff ) to the stoppage of their suit on the grounds of failure to make a legal case or bring sufficient evidence. noun XXXX. XXXX a court-ordered stoppage of a suit on the grounds that the plaintiff has failed to make a legal case or bring sufficient evidence. Proper COURT documents are being provided AGAIN ( see attached ), along with the definition of XXXX, which means the plaintiff ( XXXX XXXX XXXX ) FAILED to provide evidence that the debt is owed. Therefore, I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have enclosed a copy of my XXXX dispute with CFPB, which shows XXXX XXXX XXXX was deleted after the same documentation was provided. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Product: Mortgage

My loan with Ocwen is on auto-payment and they reported payment as late XXXX 2016 preventing me from closing on my escrow. 

I am a XXXX of XXXX, a XXXX. 

I was XXXX to XXXX in XXXX, the month of the reported late payment. 

I submitted a copy of my orders to XXXX and duty sheets. 
I submitted a copy of a letter from my XXXX XXXX. 
I submitted a copy of my banks statements, my XXXX accounts for XXXX. 
Go to inciweb.nwcg.gov XXXX see attached screen shot XXXX XXXX while XXXX the automatic payment failed because I was completely unable to transfer from XXXX account to the account Ocwen debit from until XXXX XXXX -- when I was not yet 30 days late. 

On XXXX XXXX on my bank account page XXXX which Ocwen debit from to see that I transferred {$1900.00} from my XXXX XXXX XXXX XXXX 

The bank teller told me Ocwen was attempting to pull the dollars owed again because she could see an Ocwen withdrawal pending on her screen. She showed me the screen. I was satisfied I would n't be late & Ocwen 's information should match. For whatever reason Ocwen 's pending debit did not happen. 

If I did not believe the screen I 'd have phoned my payment in and not been late! 

I very clearly intended to pay & arranged for the payment to be on time. 

I feel I qualify for the XXXX Code on my credit report to prevent the dropping of credit scores due to XXXX disaster.
Product: Student loan

XXXX  XXXX XXXX has been harassing my family with phone calls related to my account. I have responded by mail to all of their print correspondence and have even sent in payments as a show of good faith that I am trying to resolve the matter. I wish to file a harassment complain against them in hopes of getting them to stop calling my friends and loved ones. 

I have their address listed as : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Two mortgages were reporting on my credit report resulting in an incorrect debt to income ratio. This was due to one mortgage being transferred to another lender. During this time I disputed DMI/XXXX XXXX to be removed from my credit report as this was not the current lender. XXXX  instead removed both loans from my personal credit report, thus negatively affecting my credit score and not reporting accurate or correct information. I have contacted the lender Dovenmuehle to have this re-submitted to the credit bureaus, attached are letters stating the information has been re-submitted to XXXX  and this has taken longer than 90 days to fix. I would like Dovenmuehle account XXXX to be put back on my credit report. Thank you
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$890.00} XXXX XXXX XXXXXXXX BALANCED {$800.00} XXXX XXXX BALANCED {$1100.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$2700.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA XXXX XXXX CXXXXe XXXX Civil Liability for Willful Noncompliance FCRA XXXX XXXX CXXXXe XXXXo Civil Liability for Negligent Noncompliance FDCPA XXXX XXXX CXXXXe XXXX Civil Liability for Debt Collection Practices Violations
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I stayed at XXXX apartments for XXXX  year. When the year was up, they offered XXXX  years lease during XXXX. I did not review lease. I moved to Texas. Company states I stayed there and caused damages. Absolutely not true. I requested proof and they sent a list of erroneous charges that supposedly occurred while I was living in Texas.
Product: Credit reporting or other personal consumer reports

Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. XXXX a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal XXXX XXXX and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's incorrect information on my credit report. Remove all old addresses and personal information. 

My legal name is XXXX XXXX XXXX. 

My date of birth is XX/XX/XXXX 

My residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

My employer is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request XXXX to investigate accurate hard inquiry duplicates, paid-off accounts, and paid-down accounts.
Product: Debt collection

Why is XXXX the only one reporting it? Why was it deleted and re-inserted without my knowledge? Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

JPMCB auto finance has been on my credit report more thatn 10 months as a charge off and is causing a very big hardship on my credit score. Letters have gone out requesting the validation of the debt and no one has responded. I know the rights that I have to know what is on my report. I have consulted a lawyer and was told in our counsiling sesson that the responded has 30 days to respond or the debit should be removed, In this case nothing has happened. Please help to get a swift response as I would like to move on with positive credit.