23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company tries to lie and say they sent a letter in XXXX, which they did not. They sent a letter in XXXX with the wrong address on it. I sent them a letter saying to not contact me at XXXX XXXX XXXX XXXX XXXX XXXX. I replied within the 30 days to stop them from proceeding on any collection practices as per California law. I told them I did not owe the debt and I dispute its veracity while asking for proof, which is my right. The company is lazy and decided to open my letter after labor day, pretending that it was late, when it was not. It is simply because they are incopetent and lazy. They reported the debt to the credit bureaus, despite my dispute. I then received another letter with generic language and some poor attempt to create an invoice. I replied that that was not proper proof as it was neither original nor a certified copy and anyone could have made that up. I got another letter which was the same as the second, saying I had 30 days to reply. I replied within 30 days, and told them the proof they sent was insufficient, again. I told them not to contact me unless they had proper proof. They then decided to send me another generic letter with the same fake proof. I reported them and they had the audacity to lie about the dates of their letters. They had my proper address, yet they sent the letter to the wrong address on purpose despite claiming that my correct address is on the exit paperwork. If it's the correct address why did you send it to the incorrect address? They also said they had my signature yet never produced it. I do not know if it's a physical signature or a digital signature. If it's a digital signature, no meta data was presented. They did not send any proof and they had the audacity to say they " provided him with proof despite him missing the deadline. ''
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 XXXX Account Name : XXXXXXXX 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

I contacted Early Warning and requested to opt out and they denied my request stating that they do not fall under the FCRA rules and regulations. They would not provide a written denial to my request only a verbal denial. 

I have a right to revoke and rescind any all contracts with any party sharing my information and I am exercising this right now. I revoke any and all agreements you might have with any party and forbid you to report my information without my consent per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMEX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX XXXX XXXX  XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

I did a pledge pledge loan with Navy Federal paid it all up to {$50.00}. It was a {$3000.00} loan. They reversed it and put it towards my negative accounts wins. I told them someone was stealing money out of my account. They say I authorized it {$6000.00} came up missing out of my account not to mention the unauthorized charges after I informed him of this they reversed my payment of {$2900.00} into the negative account and now theyre on my report saying that I owe {$3000.00} but I have paid
Product: Credit reporting or other personal consumer reports

I DID NOT GIVE PERMISSIBLE PURPOSE TO THESE PEOPLE TO PULL MY CREDIT REPORT. REMOVE THESE INQUIRES : 1. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year>
Product: Student loan

My student loans are serviced by FedLoan Servicing. I noticed that direct subsidized loans from my XXXX education were listed as in " forbearance '' and contacted the company to correct this information. The company shows interest accruing on these subsidized loans even though I have been enrolled in school full-time. When I contacted the company in XXXX XXXX via an online form I was emailed and told to wait for my school to submit new enrollment records. In XXXX XXXX I contacted the company via phone and the online form because the loans continued to show up as in forbearance status. I was emailed and told, because I graduated, my loans accrued interest during the grace period. I am in a XXXX program and receiving a XXXX XXXX is a milestone in the program but I am continuously enrolled full-time in school. These loans are subsidized and should not accrue interest while I maintain full-time enrollment. I do not know how to get this company to respond appropriately to my requests as federal law seems quite clear on this.
Product: Debt collection

SUE FOR A DEBT THAT WAS PAST THE STATUTE OF LIMITATIONS FTC VIOLATIONS The statute of limitations bars creditors from suing for unpaid debts after a certain period of time. If you have old, unpaid debts, you might be safe from a lawsuit to collect the debt. A creditor or debt collector has a limited number of years to sue you for an unpaid debt. 


ITS LAW
Product: Checking or savings account

BEWARE BEWARE OF REGIONS BANK BEWARE OF REGIONS BANK THEY WILL STILL YOUR MONEY BEWARE BEWARE WITH REGIONS BANK. 
XX/XX/2018 I was just finish working, I check my regions account I saw my account was minus {$3.00} since it's was already late around XXXX XXXX  i ask my friend to send me money on my account so that my account can be positive, so my friend send me the money immediately and my account become back to positive the same time XX/XX/2018 the next day on the XX/XX/18 my account was positive with {$4.00} and normal and today XX/XX/18 i just got pay from work and i check my account so that i can pay my rent i see that some of my money was missing I call regions bank to ask them what is going on i REALIZE THAT THEY CHARGE me about 4 times {$36.00} dollars the first charges was {$72.00} on the XX/XX/2018 but my account was normal and the second on the XX/XX/2018 i was shock because when my account was minus {$3.00} I automatically added money to my account cause i hated to see my account without money on it but today I realize they took some of the only money I have left to pay my for my rent ....
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681i, Equifax 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.They are in violation with the following accounts by not updating the current status as disputed and update the date of reinvestigation. XXXX Acct # 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 accordance with the Fair Credit Reporting act 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 stated a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2021, I disputed this account and it came back as if the responsibility is " Individual ''. The student loan is on someone else 's name. It doesn't belong to me. Furthermore, I never CO-SIGNED any student loan. So unless they can provide a document where the student loan is on my name, and in the case of a co-sign has my SIGNATURE, I want this account to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Over the span of several years, I have consistently contested inaccuracies on my credit report. Despite my requests for detailed information from Experian, I have yet to receive the specific information I seek. Each time I inquire about the individuals they communicated with, including names and badge numbers, I am met with a lack of transparency, receiving only a generic verification response. 

This recurring pattern of insufficient disclosure raises concerns about a potential violation of my rights. I firmly believe that the absence of detailed information hinders my ability to address and rectify inaccuracies in my credit report. Given the continuous infringement on my rights by this company, I contend that all disputed entries should be expunged from my credit account.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to resolve these issues and requests for thorough investigations, I have yet to see any resolution or corrective action. These inaccuracies are significantly damaging my credit file and affecting my ability to lead a normal life. 

The ongoing presence of these erroneous accounts has caused immense hardships for me. Therefore, I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each disputed account. It is imperative that the necessary steps be taken to update and correct my credit report without further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Product: Debt collection

I have not been notified properly via certified mail and am willing to pay the full amount today but would like for the account to be deleted off of my credit report due to the fact I would like to have a clean slate with the university.
Product: Credit card

I called two months ago and requested that my due payment day will be the same day as another barclay card which is on XX/XX/XXXX. Barclay failed change the day and as a result I have two late payment fees. XXXX in customer service told me that I am lying and that I never called.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters appeared on my credit report earlier this year. There is no account information nor have I ever received notice of this " debt ''. This " debt '' has never been verified. I submitted two disputes through XXXX on XX/XX/2021 and XX/XX/2021 and was told the information was verified but I was NEVER sent any verification letter. Not one letter has been received at my primary residence from this company. Which in fact still violates my FCRA rights. I have also mailed out a letter on XX/XX/2021 and they have yet mail me any type of response/verification.
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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states that I have a collections account in the amount of {$580.00} with XXXX XXXX. This debt was paid in full in XXXX of XXXX and was removed from XXXX, but not Equifax. I contacted Equifax on XX/XX/XXXX to dispute the account still reflected on my account and it still was not removed. They gave me a confirmation number of XXXX. I received a " dispute completed '' email on XX/XX/XXXX but the account still remained as a derogatory mark. I reached out to the collection company onXX/XX/XXXX ( Collections Unlimited ) to obtain a receipt that the debt had been paid in full, even though it had been reported as paid. Equifax still would not remove the account given the documentation provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to XXXX  my XXXX XXXX  statement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XXXX Checking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XXXX XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 XXXX refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX It has come to my attention that this account is still being reported as late, despite having been charged off. According to FCRA guidelines, once an account has been charged off, no additional late payments should be reported for that account. Continuing to report late payments after the charge-off date constitutes inaccurate and misleading information, which is prohibited under the FCRA.

Specifically, under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information, such as creditors, are required to report accurate information. Furthermore, the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

The account in question has been reported as having late payments after it was charged off. According to the FCRA, specifically Section 623 ( a ) ( 5 ), creditors must report accurate information about accounts and any account that has been charged off should not have late payments reported afterward. Additionally, Section 1681i of the FCRA mandates that credit reporting agencies must investigate disputes and correct or remove any information that is found to be inaccurate or incomplete.

I respectfully request that you : 1. Investigate this matter in compliance with FCRA guidelines.

2. Remove any incorrect late payment entries reported after the charge-off date.

3. Provide me with a written confirmation that the errors have been corrected.

Requested Action : Investigation and Correction : Please investigate this matter in accordance with Section 1681i and correct the inaccuracies related to this account on my credit report.

Written Confirmation : After the investigation is complete, kindly provide written confirmation of the results and the actions taken to rectify the inaccuracies.

Removal : Remove any incorrect late payment entries reported after the charge-off date. the FCRA mandates that credit reporting agencies must correct or delete any inaccurate, incomplete, or unverifiable information within 30 days of a dispute ( 15 U.S.C. 1681i ( a ) ).

Thank you for your immediate attention to this matter. I look forward to your response and resolution.
Product: Credit reporting or other personal consumer reports

I seen these accounts and believe they are a result of identity theft ; XXXX XXXX acct # XXXX XXXX XXXX XXXX {$430.00}, XXXX XXXX, XXXX {$390.00} XXXX, XXXX XXXX XXXX, XXXX {$740.00} XXXX XXXX XXXX {$13000.00} Inquiries XXXX  XX/XX/year> XXXX XXXX XX/XX/year>
Product: Checking or savings account

XXXXm currently having issues with Chase and the amount of overdraft fees taken out of my account monthly ( {$650.00} ). Because Chase doesnt automatically deposit my checks and it takes some time before my funds are available. Ive called Chase and spoken to a representative numerous times. Because my account is constantly hot with overdraft fees Im unable to keep up with bringing my checking s account to a positive.
Product: Debt collection

The collection company Midland Credit Management , Inc have not removed a lien on my property after the lien was dismissed by the court. I also contacted the court about this and because no resolution at this point I see no other option but to file a formal complaint with a Federal agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called factual data ran my credit on XX/XX/2020 without my permission. 
When I called the company they said another company called XXXX XXXX XXXX asked them to When I called them they said they had no record of me at all but its on my credit report with transactions as a mortgage and I'm 120 days late at my current address. My current address is a rental property I dont have a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for XXXX XXXX XXXX asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. XXXX XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$75.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$360.00} XXXX  XXXX {$270.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$43.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is not mine and it is reporting inaccurate information. I have disputed this and it still remains. I don't know how this is possible but the information is changed instead of removed. Attached I have a copy of an example of the inaccurate information. XXXX XXXX is reporting that I opened this account in XXXX XXXX, XXXX. I have previous reports where they claim something else as well as their report states I had a late payment in XX/XX/XXXX. Two years before the alleged account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote All 3 credit bureaus and they have yet to respond to my certified letters which is in violation of the FCRA. There is information that does not belong to me on my credit report, an they have shown negligence and are causing me financial distress. 

Experian has a account that is listed twice that is not mines : 1. XXXX  XXXX XXXX {$1500.00}. 
and 2 charge offs on all 3 credit bureaus that are not mines 2. XXXX XXXX- {$160.00}. 
3. XXXX XXXX {$840.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of collection accounts on my credit report. Upon reviewing my credit report, I discovered that the collection accounts violate consumer protection laws as it pertains to the reporting of income. Here are accounts in violation : XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX Acct # XXXX {$550.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1000.00} The accounts in question stems from a charge-off, which according to the Internal Revenue Service ( IRS ) , is considered as a discharge of indebtedness and is classified as income. As per IRS regulations, this discharged indebtedness is required to be reported as income for tax purposes. However, it is crucial to note that income, including discharged indebtedness, can not be reported on a consumer credit report. 

Under the Fair Credit Reporting Act ( FCRA ), only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. Income, being a separate entity from credit behavior, is not subject to reporting by consumer reporting agencies. By including this discharged indebtedness on my credit report, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and subsequently XXXX, XXXX, Transunion are in violation of the FCRA. 

Furthermore, the inclusion of this discharged indebtedness inaccurately portrays my creditworthiness and financial responsibility, as it does not reflect ongoing obligations but rather a past event that has been resolved. 

In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.