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

Unfortunately between traveling and moving around my luggage, carry one and purse were all stolen mid-late XXXX in those items were my personal documents ( ssc, id, birth certificate, business XXXX, etc. ) XXXX, XXXX, XXXX I was informed of a data breach from multiple companies such as ; XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX and a few more. All of which has lead to countless fraudulent accounts, inquiries, even tax returns! I not only filled out an id theft affidavit but did a theft report with the ftc, sent that along with photos, front and back, of my ID, social, birth certificate, proof of mail for current address, proof of data breaches and proof of purchase of new id, ss card and birth certificate. I also mailed in letter on top of doing online disputes and every time it comes back as verified but never tells me how its verified, reached out to the company and they wanted me to send my personal information in without a secure method. I was then told that I basically needed to figure it out on my own since I didnt want to send personal info through a non secured method!
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX have been reporting information to my credit files, Experian, XXXX, and XXXX. 
In accordance in the fair credit act. These creditors have violated my rights under 15 USC 1681 section 602. It states I have a right to privacy. Also 15USC1681 section 604A section 2 states consumer reporting agencies can not furnish an account without my written instruction. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX XXXX account ( Account # XXXX ). My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : 1. My payment history incorrectly reports late payments for XXXX, XXXX, XXXX, XXXX, and XXXX, despite the fact that all payments have been made on time. 
2. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments.

Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that Equifax immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 a account without my written instructions. 

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

Loan Depot handled my medical emergency with no consideration. After applying for mortgage help due to covid and XXXX related medical emergency, Loan depot approved my assistance then decided to report my mortgage as late for the current and following month. Additionally, Loan Depot decided to report my mortgage late for two concurrent months due to their inability to report accurately mid-month. I was told although my mortgage assistance was approved before this late reporting, they still had to report it inaccurately late because of limitations they have on reporting. Why should I receive an extra late because of Loan deports system limitations?
Product: Student loan

I have been paying Ameritech Financial XXXX $ a month to handle my student loans which in the end after a certain amount of time they said would be totally taken care of with no money owed. So since I have been taken advantage of I would like to know how to get the money back that I have been paying them to do nothing with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2013 Balance : {$2900.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting

I have XXXX different credit scores with Experian Credit Reporting Agency. I recently signed up for one of their credit monitoring products and they gave me my FICO score of XXXX but when I went to apply for a mortgage they stated that my Experian credit score was less than XXXX how could that be.My score should be XXXX score rather good or bad based on a consistent industry standard system.
Product: Credit reporting or other personal consumer reports

This debt was paid in 2019. I have been disputing it ever since it appeared on my report and Experian and XXXX refuse to investigate. They just place a statement that it meets the FCRA without sending me proof that this debt is valid. I am a current XXXX XXXX customer and would not be allowed to continue services if the debt has not been paid. Neither of the companies that this debt keeps shifting to are providing evidence I a requesting, yet it is affecting my credit score.
Product: Credit reporting

I have been informed, that there is a public recorded reported by ( United States Bankruptcy Court, XXXX Of California ) in my credit file, you maintain under my social security number. I ordered a copy of my credit report, and I do see an entry from ( United States Bankruptcy Court XXXX of California ) listing a public record- I do not have a Bankruptcy. I have sent dispute, because this information in Not accurate. Per my last conversation with an Experian representative, was your claim to verify information at the United States Bankruptcy Court XXXX Of California. I have contacted the United States Bankruptcy Court XXXX Of California ; and there is no Bankruptcy. The clerk 's office reviewed the Public Record from Experian, they stated they do NOT provide information to credit reporting agencies, nor do they ever validate a public record. The credit reporting agencies, or other information providers, collect information regarding public cases from the courts public records, by a third party vendor. This information is never validated by the courts, NONE of them validate due to the PRIVACY LAW. The Clerk 's office did not state they are not responsible for INCORRECT public records or the misuse of any information. Public records maybe reported incorrectly, and the Clerk 's office will not communicate to the credit reporting agency on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 The following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Checking or savings account

A check for {$1000.00}, made out to my landlady, was mailed by Citibank via e-check / bill pay to her bank, XXXX XXXX XXXX XXXX XXXX. The check was cashed at a XXXX XXXX branch by someone who faked her signature. My landlady does not have a current XXXX XXXX account. 

My landlady and I went to XXXX XXXX XXXX XXXX XXXX together, and got a letter stating that the check had never arrived at their office. That letter is attached. 

I believe Citibank is culpable. How could the thief have gotten hold of the check without their complicity or negligence? 

Citibank 's handling of this matter has been awful. I have called several times, and never gotten past the call center. I have gone into the local Citibank branch and watched while bank personnel have called, without getting past the call center. 

Thank you for your assistance.
Product: Debt collection

Intent to file lawsuit, HIPAA Privacy Violation 2nd Request for Validation of Debt : { FOCUS FINANCIAL SERVIC } Account # XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency and I haven't received validation of the debt { FOCUS FINANCIAL SERVIC } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the collection agency and credit bureau for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Please REMOVE this debt or properly provide VALIDATION and proof that my HIPPA Rights were not violated : Please send me the following items within 15 days : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed that the account I had with Captial One Auto loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and Capital one ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, CAPITAL ONE was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation. 

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan with AES/XXXX  Secondary Market in XXXX and in XX/XX/XXXX it was transferred to another company. The loan with AES/XXXX Secondary Market was closed after the transfer. I have not made a payment to this account since then, nor am I required to, since this account number has been closed for 7 years. 
For the record, I am current on my student loans. 

I was recently applying for credit when I was notified that I had fallen behind on this loan. When I checked my credit report on XXXX XXXX, I discovered that in XX/XX/XXXX this account was reported 60-89 days past due. Then again in XX/XX/XXXX thru XX/XX/XXXX this account was reported late to the credit reporting agencies for a total of 5 months late. 

I filed a dispute with XXXX in XX/XX/XXXX. After an investigation, the negative information came back unchanged. In fact, they added 6 more months of late payments. The report now reflected late payments in XX/XX/XXXX and from XX/XX/XXXX thru XX/XX/XXXX for a total of 11  months late. 

Again this account was closed and transferred in XXXX. I have not made a payment since. How is it that 4 years after the account is closed, the company reported my loan as late for 11  months and then stops reporting it late? Also, after an investigation by XXXX, how can the company verify this information as accurate and add negative information instead of removing it?
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

XXXX : XXXX OF XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX COLLECTION ( Original Creditor : WAGS LLC ) Account Number : XXXX {$2900.00} XX/XX/XXXX CAPITAL XXXX Account Number : XXXX {$320.00} XX/XX/XXXX XXXX : Bankruptcy chapter XXXX Case Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DEFI/TMCC/MAZDA FIN SV Date of inquiry XXXX XX/XX/XXXX XXXX OF XXXX XXXX Date of inquiry : XX/XX/XXXX CAPITAL XXXX Account Number : XXXX {$320.00} XX/XX/XXXX CITICARDS XXXX Account Number : XXXX {$0.00} XX/XX/XXXX MIDNIGHT VELVET Account Number : XXXX {$0.00} XX/XX/XXXX TransUnion : Chapter XXXX bankruptcy dismissed Case Number : XXXX XXXX OF XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$320.00} XX/XX/XXXX
Product: Checking or savings account

I got an envelope that says I opened bank of America checking account which I didn't do. On the information was an email about where I could send a report about abuse to bank of America. XXXX. Now I am getting emails about sending money and changing passwords etc. What do I need to do?
Product: Credit card

I have sent a certified mail return receipt direct dispute under FCRA 623 to Bank of America based on disputes of the original date of first delinquency and outstanding balance they are reporting to all three credit reporting agencies. This was after they have repeatedly confirmed invalid data during my disputes to each credit reporting agency. This was received and confirmed by the USPS on XXXX/XXXX/2015. 

Ultimately, it has been over 60 days since I sent my direct dispute to Bank of America 's registered agent and there has been no response. Their failure to respond and continued incorrect reporting is an FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, Im currently on child support and my payments are current. But for some reason Florida Department of Revenue is reporting the account as a charge off. This is wrong. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed I have addresses on my credit profile that I never lived at. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never lived at the following addresses XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX Please investigate and provide Proof with statements on how you verified the listed addresses as mines on my credit file. Thanks.
Product: Vehicle loan or lease

I filed for bankruptcy in XX/XX/XXXX, I had made a payment to Credit Acceptance and once I had filed they started to refuse my payments. I had understood they were to obe paid outside of the bankruptcy and made every attempt to pay them. I had even told my attorney of what they wee doing. They told me to keep trying to make the payment and they would handle it. I was them made to pay them current from the time I filed and yet they still refused my payment I continued to let my attorney know. I then made a large payment of {$1800.00}, that is when they took that payment, then again they refused payment. Then XX/XX/XXXX I get a notice from the credit bureau stating the account had been closed. I then made another large payment of {$800.00}. and yes they took it and asked why my account was reporting closed. I was told that they did not know why it was closed but I can still make payment. Every month since XX/XX/XXXX I have tried to make payments and they either hang up on me or not take the money out of the account in which I choose to have the money taking out of each month. Then today they came and repossessed the car and I showed the man picking up the car and he told me to make a report.
Product: Credit card

Late yesterday evening my so had a XXXX issue checking in for a XXXX XXXX to XXXX. Was directed by XXXX agent to call a number to fix issue. Was told by " XXXX XXXX XXXX " person to pay a ticket change fee. My card was charges {$690.00}. I tried to contact XXXX challenge change fee. They said they don't charge change fees and agent shouldn't have told son to call any number. Said it was a scam. I called Chase who would not stop the charge. Told me to dispute after it posted. Then they would not reimburse my money or go after the Fraudulent vendor. This is apparently a common scam.
Product: Debt collection

This issue began when Midland Funding LLC, a debt buyer, purchased or otherwise acquired a disputed account from XXXX XXXX. I have requested numerous times that Midland Funding verify the debt owed with documentation ( not their bills which proves nothing ). 
I have requested documentation in compliance with the FDCPA and according to the FCRA. These requests have fallen on deaf ears and no such documentation has been provided by them. 
I further have asked for method of validation used to determine accuracy. I asked for an itemized listing of charges/debits and an affidavit. these documents were not provided and the company is using my SSN and other data to report this on my consumer credit files. 

I was contacted from XXXX XXXX XXXX XXXX on behalf of Midland Funding LLC and informed that I am being sued for damages pertaining to a {$1200.00} debt. the paperwork states that I am to present myself in court, or to pay them a settlement. 

I find it unethical in the extreme that I am dismissed and then sued, and pressured to hire attorneys which I can't afford, or waive my rights and agree to pay them for an account I challenge and do not recognize. I am an older woman and do not have access to legal representation. I need assistance in this matter.
Product: Debt collection

- Received debt collection notice dated XXXX XX/XX/2020 from Commonwealth Financial Systems , Inc. Point of contact, XXXX XXXX XXXX. XXXX, XXXX. 
- Amount claimed : {$2500.00} - Offered a 25 % discount if debt was resolved within 45 days after the date of the debt collection notice. 
- Provided a notice of dispute to Commonwealth Financial Systems dated XXXX XX/XX/2020. Cc 'd notice to AG of Florida, Pennsylvania, Virginia, and Georgia. 
- Received notice from Pennsylvania AG dated XXXX XX/XX/2020, as provided to the AG by Commonwealth Financial Systems , Inc. Point of contact, XXXX XXXX , Legal/Complaints Admin, Ext, XXXX, XXXX. Notice from Commonwealth Financial Systems , Inc. advised account was closed and a deletion request had been sent to the three ( 3 ) major credit reporting agencies to remove the tradeline from credit report. 
- The inappropriate and fraudulent actions by Commonwealth Financial Systems , Inc. negatively impacted my credit score.
Product: Credit reporting or other personal consumer reports

I have disputed and paid all of my collections and my credit score has not moved at all. There is also a company that is falsely claiming I owe them money.