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

On XX/XX/XXXX I sent letters to XXXX XXXX and XXXX  XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. XXXX XXXX is still reporting this account as open on XXXX  even though this account was paid off in XXXX. Both XXXX XXXX and Santander are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account. 
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ). 
Neither company reported the account as disputed within the 30-day time period allowed. Santander received and signed for a certified letter on XX/XX/XXXX and XXXX XXXX sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed. 
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Time has already passed but up until now, I havent heard any kind of response from XXXX Credit Bureau which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the item I am concerned of : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance Owed : {$590.00} - XXXX
Product: Credit card or prepaid card

CAPITAL ONE ILLEGALLY CLOSED MY ACCOUNT. 

I submitted a complaint in reference to Capital One 's failure to respond to my Cease and Desist and Debt Validation letters to the CFPB and they decided to close my account because I was exercising my right as the consumer/natural person and original creditor and demanding them to provide the proper verification pursuant to XXXX XXXX XXXX XXXX this debt is valid ; the adequate documentary evidence that I owe them anything. 

None of that contact information listed in their previous response is accurate. They have taken an adverse action against me which is considered discrimination under the Equal Credit Opportunity Act. Please note that I will be pursuing further legal action if this matter is not promptly resolved.
Product: Debt collection

ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX {$2000.00} XXXX XXXX XXXXXXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
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 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 or other personal consumer reports

I filed a dispute with the XXXX Credit Bureau regarding inaccurate information on my credit report from " XXXX XXXX XXXX. '' The account with XXXX XXXX XXXX was closed and charged off on XXXX XXXX  however, the credit grantor has continued to report the charge off monthly after the original charge off date. This practice has negatively affected my credit report and credit score.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and noticed there are a few addresses on there where ive not lived for years. My current address is XXXX XXXX XXXX XXXX and has been for the last 14 years. these are the addresses ive also gotten inflated amounts from these companies that i know i do not owe therefore they a hugely inaccurate in there credit reporting.

Under 15.U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer and 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 information from the file of the consumer, or modify that item of information as appropriate based on the result of the re-investigation ; and ( ii ) promptly notify The furnisher of that information that the information has been modified or deleted from the file of the consumer, please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also all of these wrong addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I leased a XXXX XXXX XXXX from XXXX my payment was taken directly from my account on the XXXX of each month. In XXXX I found out that my credit score was down by 44 points. I never missed a payment/ bee late. In XXXX I opened one of my statements and saw an amount to be paid. I called and a female employee told me to ignore bc I am leasing, even though she told me she is new, so when I get the statement I just thread them. I am paying XXXX every month to solve this problem so that I can get my points back and clear the bad score and they keep asking me for more information. Surprisingly today I spoke with a manager and she asked me for more information and when I asked her what other information she need so told me no more information is needed from me. I asked why didnt I get a phone call from the company they told me they did not have a number which that was a big lie bc my cell and job # was on my application. It has been 16 months and nothing is been done. I am conducting a new XXXX and bc of that report I am about to get turned down if I can not give a deletion letter.
Product: Debt collection

Company never sent me written notification of debt. Instead company added to my credit reports. I paid debt and now won't remove. Debt was never properly owed to begin with, but company has been impossible to deal witj.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XXXX XXXX XXXX XX/XX/year> EXP -- Unauthorized Inquiry REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

I was a victim of Identity theft and previously had the debt removed from all credit reporting agencies but Experian is refusing to remove again. I have submitted supporting documentation showing that I'm currently involved in a civil case with XXXX XXXX. i requested all debts be removed pending the outcome of the court case. Once the facts are heard in court they will actually owe me money. 

XXXX XXXX Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$14000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$14000.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$14000.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Reinvestigation  Info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed a used car purchase through TD Auto Finance on XX/XX/2016. I immediately enrolled in auto-pay and made all payments on time for the duration of the loan. With absolutely no notification the company unenrolled me in auto-pay without my permission, and then reported my account as 60 days late. I paid the final payment and closed the account immediately after I became aware of the issue. 

Despite this, the company reported the account to the credit bureaus, and it is still negatively affecting my credit score. I have reached out to TD Auto Finance about this multiple times and they have been totally unresponsive.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested ORIGINAL CONTRACTs from companies on my Collections/Closed accounts showing on XXXX Equifax and XXXX. I have never received them, and now these closed accounts are showing on my Credit Report. 

Inaccurate/Unknown charges Showing on my EQUIFAX Collections XXXX " XXXX '' {$1100.00} " Original Creditor '' {$2200.00} " Original Creditor '' {$190.00} " Original Creditor '' {$2200.00} These lenders have accessed my credit file and should have been removed From the EQUIFAX report XXXX XX/XX/XXXX : XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Student loan

American Education Services currently services my XXXX  FEDERAL loans which currently qualify for the 0 % interest rate set by Congress. They are still charging all of their customers interest and are not automatically putting loans into forbearance. I also have loans serviced through FedLoan which shares the same contact number as AES. Why is AES getting away with this?! They're telling customers that our loans don't qualify ( they absolutely do and absolutely are not private loans ) or that they'll reimburse us all the interest after XXXX. Please put a stop to this!
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 Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX, XXXX Acct # XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX. Acct # XXXXXXXX XXXX. Acct # XXXX Has all violated my rights. 

15 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without any written instructions.

15 USC 1681 ( 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.

15USC 1681 s-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: Debt collection

I am in the process of obtaining my Borrower-Defense-Against-Repayment Certificate from the Department Of Education ( DOE ) but Navient - the student loan management company ( they assumed Sallie-Mae 's loans ) - is now the subject of a lawsuit for blocking student debt-loan forgiveness ( https : XXXX ). I want an AUDIT of Naviant with then intention of gaining a superior investigative position.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX balance {$550.00}. XXXX XXXX balance {$410.00}, XXXX XXXX XXXX balance {$850.00}, XXXX XXXX XXXX balance {$7300.00}, XXXX  XXXX XXXX {$0.00}, XXXX XXXX XXXX bank XXXX {$680.00}, XXXX XXXX XXXX  balance {$520.00}, XXXX XXXX balance {$200.00}, XXXXXXXX XXXX XXXX Balance {$1400.00}, please these inquiries XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX.
Product: Debt collection

I have received many calls from midland credit management and I have consistent disputed ownership of this debt with XXXX, it continues to show up on collections so I called to ask what the debt is for and to send me proof of this debt. I also requested an XXXX which neither were given or ever sent to me. They have also called my family members, threatened legal ( alluded to jail /warrants ), and promised to continue to damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ... .., has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received a letter from Credit Collection Bureau ( a debt collection company ) in XXXX of 2016 about a alleged debt that I allegedly owe. 

On XXXX XXXX, 2016 I sent Credit Collection Bureau a certified letter requesting validation. The tracking number was : XXXX and it was via the United States Postal Service. They received my Debt Validation letter on XXXX XXXX, 2016. 

After receiving my letter, they have failed to send me validation as requested by myself per the Fair Debt Collection Practices Act ( FDCPA ), yet they have continued to contact me via phone about this alleged debt. According to the FDCPA, any contact or collection efforts absent validation is strictly prohibited and punishable for a {$1000.00} fine " per occurrence ''. 

I 've been contacted at least twice recently ... On XXXX XXXX, 2016 at XXXX I was contacted by XXXX XXXX with Credit Collection Bureau XXXX The call originated from the phone number of XXXX. I was also contacted again on XXXX XXXX, 2016 at XXXX, again by XXXX XXXX from the same phone number mentioned above making it two occurrences that they have practiced prohibited collection efforts.
Product: Mortgage

We are reaching out for help, with the hope you can help keep a family in their home. We have a son with XXXX XXXX XXXX. After enrolling into an educational program, he lost his XXXX in XX/XX/2016. Anyone familiar with this diagnosis is aware there isnt a magical cure or treatment. We fought, and eventually were able to have it reinstated. But during this time, we were dependent on our savings and fixed income. 

Because of our tax return, we were able to get to XX/XX/XXXX without missing a payment. With just XXXX paycheck, medical expenses and XXXX children, even with our best efforts we fell behind. When we were finally on our feet enough to be able to put together a month or two, our bank declined the payment. They wouldnt take our money or work with us to make it right. We wanted to get back to paying on time, as we had before, but they said they wouldnt do anything until we paid the entire balance. 

For twelve months, weve been working on trying to get back on track. Weve been battling simultaneously for our sons XXXX, which has been resolved, and also to keep our home. Weve filled out, collected and sent in paperwork over and over because it always somehow got lost. Id receive letters in the mail, but every single time I tried to reach someone on the phone, Id be on hold forever and never reach anyone. It was, and is still a nightmare.