23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

During the months of XXXX 2021 I'd made arrangements to pay off my vehicle in full. Credit Acceptance Made an arrangement for me to pay off my vehicle loan in full on XX/XX/2021 which negated my payment for XX/XX/2021. The entire balance was paid on XX/XX/2021 and the account was paid off XXXX months early. That said, during the month of XX/XX/2021 Credit Acceptance reported me to all XXXX credit reporting agencies for being over 30 days late in spite of the payment arrangement promised. Their actions caused my credit score to drop tremendously. Several attempts have been made in order to rectify this issue but Credit Acceptance refuse to correct their mistake. Therefore, I request your assistance in correcting this issue. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD XXXX LATE PAYMENT ON AN ACOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPOT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH XXXX XXXX. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT NAME : XXXX XXXX ) ACCOUNT XXXX ), PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENT WERE LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS. 



Dear CFPB Team, I am writing to inform you about an issue I have encountered with the credit bureaus. Recently, I sent a letter requesting the removal of an incorrect late payment from my credit reports. This late payment never occurred, and I believe it is an error that is negatively affecting my credit history. 
Unfortunately, despite sending this request to the relevant credit bureaus, I have not received any response from them. It has been XXXX days since I sent the letter, and I have yet to see any resolution. 
I am seeking the assistance of the CFPB to help resolve this matter. Enclosed with this communication, you will find a copy of the letter I sent to the credit bureaus and any other documentation relevant to this issue. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I cosigned for my partner on a vehicle and leased with Ally Financial ( XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ) In XX/XX/XXXX My partner filed for Bankruptcy Chapter XXXX and a few items including the vehicle were added to be continously paid off every month under 1 fee. 
These fees are still being paid every month on time. 
In XX/XX/XXXX I conducted a credit check and found a negative account with Ally Financial and quickly disputed it with all 3 credit bureaus. I check my credit history and score again in XX/XX/XXXX and still found Ally fiinanical reporting non payment, a second dispute was submitted to the credit bureaus along with the bankruptcy information. 1 month later I was sent a letter basically stating that nothing could be done since the financial company continues to report non payment. At this point my credit score had suffered dramatically and continues to do so. 
I sent a letter to Ally Financial disputing the negative account and submitted the Chapter XXXX Bankrupcy forms that clearly shows the current payments still being made on the vehicle. I have yet heard anything from anyone. 
Today, XX/XX/XXXX, I check my credit and found the matter still has n't been resolved. I have found no resolution with the 3 Credit Beaureaus nor with Ally Financial. I do n't know what else I can do, Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

EVER SINCE EQUIFAX DATA BREACH I AM UNABLE TO USE EQUIFAX MONITORING THAT I PAID FOR I HAVE BEEN A MEMEBER FROR YEARS..ALSO, ARE A MEMBER FOR THE XXXX ID XXXX , WHERE I CAN NOT FILE DISPUTE ONLINE. LASTLY XXXX FAILS TO HAND SHAKE WITH ALL BUREAUS SEE ATTACHED.
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 XXXX  XXXX XXXX {$59000.00}, # number ending in XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX {$1000.00}, # XXXX XXXX XXXX {$64000.00}, # XXXX $ XXXX XXXX {$26000.00}, # XXXXXXXX XXXX XXXX XXXX {$9100.00}, has violated my rights. 

15 U.S.C 1681 section 602A. 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 instruction.

15 U.S.C 1681 c. ( 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 accurate.
Product: Debt collection

LVNV Funding, LLC Breach of Arbitration Clause : Based on information from my credit report, I identified the alleged original creditor. While I am unfamiliar with this account, I discovered through the CFPB database that the creditors agreement includes a binding arbitration clause. 


I am 100 % certain that I have not participated in any arbitration arrangements or mediations regarding this account. 


The debt collector refuses to provide the original contract containing the arbitration clause and has acted in bad faith by initiating collection and reporting activities in violation of the agreement. 

2.

Failure to Validate Debt ( FDCPA 1692g ( b ) ) : No valid documentation has been provided to establish the debt collectors legal right to collect. Validation requires : The original signed agreement identifying me as the debtor. 


A chain of title proving ownership transfer of the debt. 


Billing statements alone do not constitute lawful validation of a debt. Courts have consistently ruled that debt validation requires contractual evidence showing liability. ( See XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 2001, which holds that a billing statement is insufficient validation as anyone could generate such a document without proving a legal obligation. ) 3.

Lack of Debt Validation Notice ( FDCPA 1692g ( a ) ) : The debt collector failed to issue a validation notice within five days of initial communication, depriving me of my right to dispute the debt.

4.

Improper Credit Reporting ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( b ) ) : The debt was reported to credit agencies without proper validation, violating FDCPA and FCRA requirements to ensure accuracy before reporting.

5.

Failure to Respond ( XXXX XXXX XXXX ) : The debt collectors failure to respond to lawful requests for validation bars further collection efforts.

Billing statements are not valid debt validation. Proper validation requires the original signed agreement and proof of assignment, as billing statements can be fabricated using personal information. Without these documents, the debt collector can not prove their legal right to collect. Furthermore, the arbitration clause in the creditors agreement invalidates collection or reporting activities unless arbitration is pursued, which has not occurred, making these actions unlawful.

Resolution Sought : I request the CFPB to take immediate action to compel the debt collector to provide the required documentation and ensure compliance with all applicable laws.
Product: Debt collection

MY NAME IS XXXX XXXX XXXX. This company, or law firm, Eaton Group Attorneys LLC, is taking me court for XXXX, and I do n't know what they 're talking about. That was on my credit report, but these lawyers, just started sending me paper to pay a debt of {$1700.00}. I only get XXXX. from SSI, I could hardly pay my bills.The marshal came here with a summons for me to answer them, and I did. I went to the city courts, and got the Clerk of Court to stamp it she sent it to them, and I did too. After that they starting sending me papers saying that the judge had render in there favor, and they had wrote up a payment plan. This is what been going on since, I answered them XX/XX/XXXX. Now they have a Motion of Memorandum to compel discovery. They are saying that pursuant to rule 10.1 of the local riules of court a conference regarding some outstanding discovery on XX/XX/XXXX, and it was scheduled on XX/XX/XXXX and that I did not participate, well, I was most certainly did n't know anything about that of that. These people never contact me by telephone, after I answer them, they kept sending papers, The last one they sent, before I got summons to be in court on XX/XX/XXXX. has a bill from XXXX dated XX/XX/XXXX saying Minimun due {$570.00}, and New Balance {$1700.00}, That do n't show what I got. It have payment due date on XX/XX/XXXX.Then at the bottom of the page, there is a Payment certificate, look like something they printed out. I 'm not in any shape financially to pay these people anything. XXXX emailed me to get something with them.
Product: Mortgage

XXXX claimed to be my mortgage servicer and for years my mortgage payments have been misapplied, misappropriated and flat out stolen from me, and now the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I demanded a Qualified Written Request ( QWR ) and dispute of Debt, validation of debt pursuant to the Fair Debt Collection Practice Act and other Federal and State Laws from the XXXX XXXX XXXX XXXX XXXX which I have attached I never received anything from The XXXX XXXX XXXX XXXX stating the validity of the Debt nor did I receive proof of standing to foreclose from the XXXX XXXX XXXX XXXX XXXX nor the exact date in which they say I went into default or the exact dollar amount thereof. I believe I am a victim of predatory lending practices, illegal foreclosure practices, toxic Mortgage-backed securities, violation of Federal Trust Indenture Act. my payments made were not properly applied by these related companies, based purely upon oversized ambitions, greed and corruption, which led to economic XXXX, they were lax and rife with hidden fees and deceptive practices, fXXXX XXXX  practices which imperiled borrowers. they went against their own underwriting guidelines and that override federal lending standards!!
Product: Credit card

I have 2 Credit Cards with CAPITAL ONE. 

BOTH accounts have been closed for years. 

I am trying to contact them about 2 months in a row of late payments and my request for hardship assistance and their anti-customer cutoff for payments made after XXXX. But they are able to charge {$40.00} late fee after XXXX on that day>! 

I HAVE PAID THEM 5x OVER WHAT I ORIGINALLY CHARGED THIS SHOULD NOT BE LEGAL
Product: Debt collection

Midwest Recovery Systems never sent me a letter regarding alleged debt. This VIOLATES the FDCPA. They fictitiously reported to credit bureaus that I owed XXXX dollars to a business named XXXX XXXX XXXX. Once again, this violates the FDCPA. I have never done business with XXXX XXXX XXXX nor applied for a loan with them. I contacted credit bureaus and disputed. XXXX and XXXX are no longer reporting this fictitious account. XXXX continues to report because Midwest Recovery Systems continues to report this fictitious account to them. This is another violation of the FDCPA. This is nothing more than an attempt to extort money. Furthermore, payday loans have been illegal in the State of Arizona since XXXX XXXX, 2010 according to the Arizona Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

.I tried getting these removed several times. I have a few fraudulent inquiries on my credit report. I never gave permission for the companies to pull my credit and have been unable to get the beru to dispute these fraudulent inquiries. I am requesting The Credit Reporting agency to delete the following fraudulent XX/XX/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 am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report. this issue has been addressed an never resolved. looking over the files submitted ive noticed none of the items are corrected on all 3 credit reports. please review an remove the listed invalid items submitted in the files asap.
Product: Debt collection

In  XXXX   XXXX , I went to  a Third Party   XXXX   XXXX  for an upgrade on my  XXXX  phones.   The next day I cancelled my plan with this dealer and went to The  XXXX   XXXX  in  XXXX , NY.   What I discovered throughout the months of having my new service is that I was still paying for the lease in the first phone from the  Authorized  dealer. I brought this to  XXXX    XXXX   XXXX   XXXX   attention and they said they would look into it. It was a few months of getting no where with them. Finally, somebody from there resolutions Depart stepped in and credit my account.   Two weeks later the charge was back on my bill. I was so frustrated, I just cancelled my service in  XXXX   XXXX  and went with another carrier. I wrote to the collection agency and never received a response. I have ALL receipts and paper work from this transaction. Please advise.
Product: Student loan

I have tried numerous times to receive forbearance and/or lower payments while I figure out how to manage life, bills, and work. I have not been given that option with any of my XXXX loans since I stopped XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized XXXX XXXX, XXXX, XXXXXXXX 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

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Experian was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have several collections for services i never received or authorized. from the   XXXX   XXXX   XXXX   for {$830.00},   XXXX   XXXX   for {$6600.00}, {$1400.00}. also, tele recovery for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any blood test to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks
Product: Student loan

Spoke to the company about forbearance and repayment. Was very misleading Then was instructed to consolidate my loans for student forgiveness. That was an epic failure. Loans were then transferred to XXXX
Product: Credit reporting or other personal consumer reports

Equifax inc. has my social security number and personal private consumer information under a name that is not mine. It is inaccurate and has caused delays in my personal life and business. I have called and requested Exquifax inc to delete the inaccurate information but they persist to have two accounts one in my name XXXX XXXX XXXX XXXX and another in a different name as in a XXXX XXXX XXXX. I have not given permission for anyone to use my XXXX XXXX name for personal consumer reporting. I am the beneficiary of the XXXX XXXX XXXX XXXX XXXX XXXX registered in Wyoming jurisdiction and also in California and Nevada as Exempt Corporations. They have two sides of my social security number under multiple names and I have called multiple times and ask for them to delete the inaccurate information according to 15 U.S.C. 1681a and 15 USC 6801. They have slandered and discredited my name and reputation. I have spoken to several of their employees and their response is that they can not verify me, as they report inaccurate information using my private social security number and birthdate. Please delete that second account that contradicts my name XXXX XXXX XXXX XXXX and not any Aka or also known as or former names this is damning. The two accounts have created multiple lawsuits against my property in another persons name and the attachments show I'm not a party to the matters none the less the attempts were made due to the inaccurate information recorded and It appears that Equifax got this information and made it consumer public record by way of XXXX XXXX XXXX whom filed the fraudulent company 's with malicious intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHT UNDER 15 USC 1681.

EQUIFAX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHT NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS KISTED BELOW BE REMOVE BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE EQUIFAX WRIITEN PERMISSION TO FURNISH THESE ACCOUNTS. 

ACCOUNTS : XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. 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 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: Money transfer, virtual currency, or money service

Someone promised me money greater than 100 $ but in a spoof email pretending to be someone else.
Product: Debt collection

I writing because I pull my credit on XX/XX/XXXX found out about this collection from XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They reply to my letter and also sent me something, bearing my signature which I know it is not my signature. This is not my account I never applied or signed a contract with XXXX or anyone with this company. I find out that are doing this to a lot of people. They have a civil lawsuit that I am going to be joining. 
XXXX XXXX Lawsuit Targets Victims Nationwide : here the website about civil case https : XXXX/ Through further investigation, PDH attorneys have discovered that our clients are far from the only victims of this scheme. Dozens of complaints have been filed by other individuals fighting with XXXX, debt collectors, and credit reporting agencies to remove these fraudulent accounts from their credit reports. The victims include both XXXX customers and people who had previously never even heard of XXXX. We believe that the number of people across the country that XXXX employees have included on XXXX accounts without authorization is in the thousands. They are signing people names on contract. I am talking to FCRA attorney about this member and handwriting analysis expert. The FTC and the attorney told me reach out through this complaint with CFPB about the violations of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. Be aware that I am making a final goodwill attempt to have your clear up this matter deleted from my credit report because of fraudlent actions of XXXX  AND IT WILL INCLUDED XXXX XXXX XXXX.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. I will be pursuing legal actions against both companies and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have asked the following companies to remove the following negative inquiries which I am not aware of from my XXXX XXXX credit report. There customer service would not help me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX As you can see, these are multiple items They are not mine and are having a huge impact. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX - Account Number : XXXX
Product: Credit reporting

I paid my balance off in full last year for XXXX accounts and it shows a zero balance however, it still shows as a collections account. I would like to have this corrected on my report.