23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I as well as the Original Creditor sent documentation as proof the account has been closed -Settled in Full. Equifax still refuses to report the account as a Closed collection on my credit report. The account is currently showing as an Open Collections.I as well as the creditor have reached out to Equifax to update their Database accordingly. Multiple disputes have been initiated with no resolution. I am not asking the account be removed. I am only asking that my credit file report it as a closed collections account, instead of an open collections Account as per the Document from the Original Creditor. Please see attached document as proof of account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just wan na know how in XXXX am I supposed to have 60 days to respond if you closed the XXXX thing after 30 days?
Product: Student loan

I applied for deferment on XXXX/XXXX/XXXX due to financial troubles. It was approved on the XXXX - My deferment is good for XXXX - XXXX. They attempted payment and caused my account to become overdrawn. The payment kicked back along with an extra {$36.00} NSF fee. Today XXXX/XXXX/XXXX they attempted payment again. This has caused a XXXX dollar charge to turn into an {$120.00} debt that I was unable to pay in the place - hence the deferment.Tried to contact Navient and all numbers are busy with no response. 
I feel cheated because I filed the proper paperwork to defer and there is literally no number to call and correct the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have attached documents that shows from XXXX  and XXXX  that I do not own this vehicle. The items I dispute on the attached copy of the report I received.The information onBRIDGECREST account number XXXX with a balance of BALANCE OF {$18000.00} isinaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. This item has been removed from XXXX  and XXXX  after they have done the proper investigation. I am instructing you to remove this fraudulent account off of my FICO score. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed with XXXX, XXXX, Experian, XXXX  XXXX, XXXX XXXX, and more! I can't even get a credit report right now because it says I'm entering the wrong information! The one I can get from Experian tells me a have a card with XXXX XXXX, a mortgage, a car loan. I've been telling you guys for years I applied for a XXXX account and have been told by XXXX gov and XXXX that my account number XXXX is a account with them but it's not under my name or social! Credit report after credit report has been requested in XXXX XXXX! I was locked up at XXXX. XXXX XXXX XXXX at XXXX Honor XXXX XXXX, XXXX, XXXX since XXXX XXXX and was originally incarcerated XX/XX/XXXX and didn't get out till XX/XX/XXXX! How did I order credit report after credit report? How did I open account after account? How did I take out a loan? Someone is definitely using my accounts fraudulently! Please help! Every credit report is incorrect and has been since XXXX at least! What do I have to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus are reporting inaccurate information ... The medical bills on my credit have all been retracted by the hospital.. the collection companies claim they have removed and that it is the bureaus reporting these still as they are only on 1 or 2 of the bureaus. I keep disputing these and the bureaus are not removing them, yet they won't prove to me how they verified them. XXXX  is not valid verification and I was told they are deleted! 
I am so frustrated as I have taken care of all these through the hospitals and they are paid or written off in charity!! 
I need this to be taken care of : XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX Equifax - XXXX XXXX XXXX,, Not reported XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are several accounts reporting on my credit report, that are a result of identity theft. I have filed a complaint with the Federal Trade Commission on or around XX/XX/2024. I have also mailed out dispute letters regarding the matter in early XXXX. I have not obtained the proper information verifying that these are my accounts, indeed. Since my information was impacted by the XXXX data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes.
Product: Credit reporting

I applied for credit through XXXX XXXX online. Received a denial letter. Called XXXX and was told they denied me because they could not access my credit due to a " Gobal freeze ''. I called Equifax , they claim there is no freeze on my credit report. I called XXXX and XXXX also. Both state no freeze, however, XXXX is not able to access my credit report.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX hours spent entering information to dispute XXXX credit card accounts on my credit report. Name corrections/deletions also submitted. After online submission, a pop-up stated that online disputation was temporarily XXXX, suggested calling an agent. 

Called the suggested number : agents in XXXX, passed from XXXX to another, XXXX not so good ; scripted responses ; not to over-tax the last agent, I supplied info re : only XXXX disputes ; tried to correct name issues ; i was presented with questions for verification in order to do so ; I failed on a question regarding current/previous ZIP codes, all of which started with XXXX. I never lived in a an area with a ZIP code other than those that start with XXXX. I answered " none '' to the XXXX ZIP codes starting with XXXX ; the agent said I failed and therefore could not make name corrections. 

XXXX, like the other XXXX credit bureaus, are much more interested in selling their identity products than they are with actually helping consumers with credit issues. All three should be investigated and managed appropriately by the CFPB. Their mission is to help consumers, not sell products.
Product: Credit card or prepaid card

Like many people, my family and I were impacted financially by Covid 19. In XXXX of 2020 I was forced to close my business because of the effects of the pandemic. This caused financial hardship for me and unfortunately caused me to become past due on four payments with my Capital One Credit card ending in XXXX. Fortunately, I was able to find a new job and things are starting to get back on track now. Since XXXX of 2020 all of my payments have been on time and I believe that I have demonstrated I am a valuable customer for Capital One. I have reached out to Capital One several times in regards to removing the late payments in 2020 since they were caused by a natural disaster, and I have been given very little information. I have made 13 attempts since XXXX and each attempt ends with me being disconnected or being told that there are no options for me. The Terms and Conditions when setting up my account did not address a natural disaster relative to the same scope as Covid. I also hired XXXX XXXX for 3 months to help me dispute these late payments and have not been successful. I spent several hundred dollars trying to have my credit repaired by experts and help me demonstrate my responsibility. I have been honest with Capital One and I am not asking for anything for free. I have demonstrated 12 months of on-time payments and I am asking for relief due to this pandemic. I take great pride in my credit as it was nearly XXXX prior to the financial impact of Covid 19. I am requesting that Capital One remove late payments from XXXX, XXXX, XXXX and XXXX of 2020 for my Credit Card ending in XXXX. By viewing my accounts with Capital One and my years and years of being a customer, it is obvious that all best efforts were made to keep my accounts current, and that my payment history was flawless up until the Pandemic. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian. ( Furnisher information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to excersie my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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 conviction of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. code 1681s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows o has reasonable cause to believe that the information is inaccurate. 15 U.S.Code1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX To Whom It May Concern Midland Credit Management you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 

15 US Code 1681s-2- Responsibilities of Furnishers of Information to consumer Reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something.

15 USC 1681 s-2 Says you Midland Credit Management are a furnisher of Information to a consumer reporting agency.

You are PROHIBITED BY LAW Furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.

15 USC 1681 S-2 ( a ) ( 1 ) ( A ) 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.

You are hereby put on Notice that you are furnishing incorrect inaccurate information.

15 U.S. Code 1681s-2- ( a ) Duty OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information.

The continued reporting of this information is a clear violation of the Law 15 USC 1681s-2 of your grave responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report. You, Midland Credit Management did not gain my written permission to report any information on me to consumer reporting agencies, persons or entities. 



You have XXXX Calendar Days to Delete this Account from my Consumer Reports! 


Sincerely, XXXX XXXX
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Synchrony Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I was an oversight during pandemic The State was having problems making online payments, called and hold times were too long. 

Please consider the difficult situation for Covid-19 in addition to my first time I have a late payment. 


The account information is the following : Account Name : SYNCB/PPC Account Number : XXXX Opened Date : XX/XX/2018 Balance : {$350.00} My demand is based on many damages and all the violations that they have committed. 

I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Thank you.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to dispute the reporting of the account listed as XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report, as I have found several discrepancies and believe the information to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request a thorough investigation into this matter and the correction of any inaccuracies found in my credit file. 

Disputed Information : Account Number Ending in XXXX  : This account is listed only on TransUnion 's report. There are inconsistencies in reporting, as this account does not appear on my XXXX XXXX XXXX XXXX XXXX 
Original Lender and Agency Name : Reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of these entries as they are not familiar to me, and I request verification of these details. 
Date Assigned : XX/XX/. I question the accuracy of this date and the legitimacy of the assignment of the debt. 
XXXX XXXX XXXX XXXX. I dispute this amount and request a detailed accounting that justifies this balance. 
Status : Listed as " Unrated or bankruptcy '' with a comment " Dispute resolved reported by grantor ''. I dispute this status as inaccurate or misleading and request further clarification and proof of resolution, as I have no record of such dispute resolution. 
I am enclosing copies of documents that support my position and clearly highlight the discrepancies for your review. Please investigate these items promptly and, if the information can not be verified or is found to be inaccurate, kindly remove or correct it according to the FCRA guidelines. 

Under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter and inform me of your findings and actions taken as a result. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

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

This is debt is more than 20 plus years, it is to my knowledge that after 7 years it can not be collected on.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates

USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

The company called and hung up several times. They are trying to collect a debt that I do not owe. I paid the out-of-pocket max fro my insurance that year and all other debt is owed by the insurance. The company will not listen and have added my disputed account to collections harming my credit rating.
Product: Credit card or prepaid card

On XX/XX/XXXX my wife tried to make an online purchase for a door for {$3100.00} and the purchase was declined as apparent fraud. We have perfect credit, no late payments and always pay our bill on time. My wife called the company " Capital One '' and answered every security question asked and was told she needed to provide a copy of her driver license via email, which she refused. Now the company has blocked all online access to the account including rewards points. Attempts to cancel card or report a lost card to cancel card are not supported online. Cardholders are required to call in. Wait times are over an hour and it is the only route to resolution. I called late at night and early in the morning and throughout the day with no lesser hold times. When I finally was able to call this morning and get thru they are still requiring a drivers license. I find this 1 ) unreasonable to ask for a driver license 2 ) totally bad business practice to have as the only solution to resolving a problem to hold for 1 hour on the phone. After searching online there are thousands of similar complaints from other customers. This practice is at a minimum unethical if not illegal.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the following information from my credit file. A list of the items to be deleted is attached in a XXXX document. I am a victim of identity theft, and there are multiple accounts and inquiries on my credit report that I did not apply for. I request that these items be deleted to ensure my credit report reflects only accurate information. I have reported the identity theft to the Federal Trade Commission and have included copies of the report. Please block this information from my credit report as soon as possible, in accordance with Section 605B of the Fair Credit Reporting Act.
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. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX 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.