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

Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, Equifax has been stalling to conduct a proper investigation. I will provide identity information in this complaint so that you may properly identify me as you say you could not in my previous complaint even after I have sent numerous correspondence over the last 9 months. 

Furthermore, I have NEVER received any correspondence from the creditor therefore this has no place on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my husband and I were stationed in California which I attended XXXX XXXX I started my classes then switched majors and they stated my online courses would change at the end of the week but instead they never changed my courses and Everytime I called they told me to wait. In XX/XX/XXXX they appeared on my credit report but never once contacted me and I have noticed that every so often it's being renewed.
Product: Credit card

Let them know that my info has been stolen along with my mail and bank info.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I traded in my XXXX XXXX that was being financed through Santander Bank into XXXX XXXX XXXX XXXX for a XXXX XXXX. On XX/XX/XXXX I provided a payoff statement to XXXX for what was owed on the XXXX XXXX. However, XXXX did not make the payment to Santander until XX/XX/XXXX, at which point the payoff amount had changed. In turn, there were no payments made towards a {$99.00} balance with Santander Bank by XXXX XXXX XXXX XXXX until XX/XX/XXXX. I was unaware of this issue until I noticed a serious delinquency on my credit report from Santander, stating that I missed three months of payments before my account was closed and the balance was settled. I reached out to Santander on numerous occasions and was told there was nothing they could do since they had already reported my delinquency. I reached out to XXXX  and they told me had I should have checked in with Santander and this is not their responsibility. I am now forced to deal with this serious delinquency on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Personal Information Correction To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Employer : XXXX  Phone Number : ( XXXX ) XXXX Social Security Number Last 4 : XXXX My identification is attached verifying my identity. This request is not being submitted by a thrid party, I XXXX-XXXX  XXXX am submitting this complaint as I did with this COMPLAINT ID XXXX-XXXX
Product: Debt collection

I reached out to NCB Management ( XXXX and XX/XX/2020 ) in regards to a collection with them that was included in a chapter XXXX bankruptcy that was discharged. They received the paper work from my Lawyer ( XXXX XXXX XXXX in XXXX, SC ). Per my conversation with the representative she stated that they received the paper work from my lawyer and the bankruptcy court but they will not change the way it is listed with the credit bureau, she stated that is the way they report and nothing will change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported fraudulent accounts in my name to Equifax. Submitted Identity Theft Affidavit and proof of my identity.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXXXX/XX/year>.
Product: Debt collection

I have been disputing an account with National Credit Systems ( NCS ) for the past 8 months regarding application to XXXX XXXX XXXX XXXXXXXX, a property that XXXX XXXX XXXX had ownership of between the years of XXXX, the time of original application. My application did not qualify due to the complexs minimum monthly income-level requirement. I was notified that my residency would only be approved by XXXX XXXX by providing an eligible guarantor. Because I did not have access to a guarantor at this time I was not able to pursue residency at XXXX XXXX. Consequently, I resided elsewhere for my XXXX career. Afterwards, I became aware that XXXX XXXX XXXX turned me to NCS. NCS has claimed and reported to all credit bureaus for the previous 4 years that their " client '', The XXXX XXXX XXXX XXXX XXXX a debt of {$5600.00} for the entire lease term for which I had made application and was unable to take on residency. In addition, NCS has repeatedly stated to me that their client would not accept a settlement in the amount of less than {$4000.00}. However, upon contacting their client directly and speaking with management, XXXX XXXX, I was provided documentation stating the attempt was to collect only {$1500.00} according to the ledger generated XXXX XXXX XXXX. In addition, XXXX XXXX reported that due to the age of the account, I could contest the debt with her help upon NCS contacting their client directly. However, NCS has stated that they do not contact clients and continues to claim their client pursues a debt of {$5600.00}. After submitting documents that their client reported a debt of {$1500.00}, I was informed by my " agent '' that an investigation to authenticate documents would be made and based on conclusions appropriate action would be taken. As NCS has been shown to falsify information, I have no confidence in their investigation. I need a resolution to this issue according to their client to contest this debt
Product: Debt collection

I have asked LVNV FUNDING LLC to validate the alleged debt that this person claim that I owe, and all this person have provided me are statements and signatures to an Alleged account that this person can not prove is mine. 
LVNV FUNDING LLC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

LVNV FUNDING LLC failed to validate this alleged debt.

This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) Furthermore, LVNV FUNDING LLC does not have any jurisdiction or authority to even collect on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX Account # XXXX Balance {$660.00} XX/XX/2022 XXXX. XXXX, XXXX Original creditor : XXXX Account # XXXX Balance {$1300.00} XX/XX/2022 XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX - XXXX XXXX XXXX Account # XXXX Balance {$740.00} XX/XX/2022 XXXX, XXXX & XXXX Original creditor : XXXX XXXX - XXXX XXXX XXXX Account # XXXX Balance {$1200.00} XX/XX/2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  Account # XXXX Balance {$690.00} XXXX XXXX  15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 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 Section States : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 reasonably cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue with Experian numerous of times. Please be advised that this issue is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further actions. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this account is false and misleading. This is inaccurate. Please verify, validate, and document LEGALLY this account is accurate. Please provide proof that I was late on this account. A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE UPDATE THE FOLLOWING ( PAID AS AGREED ) NEVER LATE IMMEDIATELY IF YOU ARE UNABLE TO PROVIDE LEGAL EVIDENCE OF LATE PAYMENTS XXXX XXXX XXXX XXXX Account # XXXX  {$8200.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$20000.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$5000.00} ( PAID AS AGREED ) NEVER LATE XXXX XXXX XXXX XXXX Account # XXXX {$27000.00} ( PAID AS AGREED ) NEVER LATE
Product: Debt collection

XX/XX/2024 Dear MIDLAND CREDIT MANAGEM, I am writing to address a discrepancy I have observed in my credit report regarding the following account : MIDLANDCRE Account Number : XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) 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 Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) MIDLAND CRED Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : This is a violation of my consumer rights, please delete immediately Please be informed that this correspondence does not serve as a refusal to pay ; however, it is imperative that I bring to your attention my dispute regarding the aforementioned claim. Under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am within my rights to request validation from third-party collection agencies. Non-compliance with the FDCPA regulations may result in adverse consequences for your company with the Federal Trade Commission ( FTC ). Hence, I kindly request that your company furnish me with the following documentation for validation purposes : 1. Documentation demonstrating ownership or assignment of the debt from the original creditor.

2. Verification of your authority to pursue collection activities in my state. 
XXXX. Proof of your company 's bonding. 
XXXX. Documentation detailing the assessment of the outstanding debt. 
XXXX. Payment history records from the original creditor. 
XXXX. Contact information for the original creditor. 
XXXX. A copy of the original contract bearing my signature. 
XXXX. Documentation outlining the chain of ownership pertaining to this debt. 
XXXX. XXXX of your legal authority to collect this debt. 
XXXX. Confirmation of ownership or assignment status of this debt. 
XXXX. Copies of all correspondence, including letters, exchanged between your company and myself, as well as with the original creditor, regarding this debt. 
XXXX. XXXX of the purchase price of the debt. 
XXXX. Information regarding the date of the last payment made on this debt. 
XXXX. Breakdown of any fees/interest accrued on the debt. 
XXXX. Explanation of the methodology employed to determine said fees. 
I appreciate your prompt attention to this matter and your cooperation in providing the requested documentation. 

Thank you for your time and cooperation.
Product: Credit card or prepaid card

On XX/XX/2023, Capital One closed my credit card without prior written advance notice. Alerted by credit report. 

Called XX/XX/2023, for clarification and requested the account is reopened for I have not missed a payment in 5 years plus the credit history is impacted by this account. 

Experienced a horrible customer journey to speak with a proper representative and when I reached an area, the agent was not willing to apply effective recourse. 

Related this business approach is a direct violation to Federal consumer laws. Disregarded by agent. 

These are grounds for legal matter and fiscal impact against Capital One. 

Asked for Capital One credit card Terms and Condition to justify closing my account, told Capital One can do whatever they choose to do. 

Listen to the recorded call/ tape via XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan through Car max and they sent out my social security number to other lenders trying to get me approve without my knowledge I only applied for that particular company Car Max in XXXX, This was dated for XXXX XXXX, ongoing XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX all these car lenders and or banks were from one or two car lots I applied for and Again that was Car Max, and also XXXX XXXX the rest I had Absolutely no knowledge of.
Product: Mortgage

We were erroneously reported as 30 days late to the credit bureaus. We did not make a late payment ( nor have we ever made a late payment in our history of owning a home ) and disputed this with Freedom Mortgage. 

Timeline of Events XXXX Mortgage Payment : Posted on XX/XX/XXXX XXXX Mortgage Payment : Posted on XX/XX/XXXX Thu, XX/XX/XXXX : Received letter dated XX/XX/XXXX from Freedom Mortgage indicating we were 2 months late ( the letter states {$3800.00} ) on our mortgage payment. But we paid both. ( See bank statement ) Thu, XX/XX/XXXX : Called Freedom Mortgage about the letter as both months were paid. They indicated we had a balance of {$180.00} due to a shortage from XXXX payment ( escrow increase of {$94.00} ) and then XXXX payment. Immediately paid the shortage and XXXX waived the XXXX late fee as we have never paid late. They said there would be no reporting of late payments as it was not late. 

XX/XX/XXXX Received our first credit bureau notification of a late payment by Freedom Mortgage. This is erroneous as we did make on-time payments. 

Freedom Mortgage did not notify us in writing of a late payment prior to the letter we received dated XX/XX/XXXX. Even then, they incorrectly reported stated we were 2 months late even though bank records reflect payments made. 

We have asked to Freedom Mortgage to remove the late payment on our credit reports but have not.
Product: Credit card or prepaid card

The BANK OF AMERICA account that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$7900.00} written off. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310.00} Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$800.00} written off. {$1200.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I can not access my Equifax credit report via third-party methods or directly with Equifax. Equifax does not provide me with my credit report ; they only allow me online access every 30 days to credit monitoring. Furthermore, I can not access credit reports from XXXX, XXXXXXXX XXXX and XXXX XXXX. However, Equifax keeps bombarding me with promotional ads to pay for my credit report and additional credit monitoring. I have been paying for services with the above third party and can't access my credit report, which is leading to inaccurate information being reported to my Equifax Profile. When I try to dispute the accounts, Equifax does not verify them, and I continuously receive a letter advising me of my rights under identity theft. No information is requested, nor is a case/dispute number provided. I have documented these letters and my exchanges with Equifax. I have recently called Equifax and verified my identity for the THIRD time. I fear Equifax is using identity verification methods to hinder dispute processing. 
Equifax is violating the following laws : Access to Credit Reports - Under 15 U.S.C. 1681g ( a ) ( 1 ), Equifax must provide consumers access to their credit reports upon request. By not offering consistent access, they are breaching this requirement. 

Dispute Resolution Process - 15 U.S.C. 1681i ( a ) requires Equifax to conduct a reasonable reinvestigation of disputed information within 30 days. They violate this section when they fail to investigate and verify disputed accounts. 

Accuracy of Consumer Information - Under 15 U.S.C. 1681e ( b ), credit bureaus must follow reasonable procedures to ensure the accuracy of the information they report. If Equifax reports inaccurate data without proper verification, this constitutes a breach. 

Limitations on Promotional Offers - 15 U.S.C. 1681b ( c ) ( 1 ) ( B ) regulates unsolicited promotional solicitations. Equifax 's continuous promotion of paid credit services despite unresolved access issues could contravene consumer rights in this area.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Ive sent in a dispute on XX/XX/2021 and still no repsonse this is past the timeframe. Listed are the account I placed for dispute. Right now the credit agancies are in violation of response. 




XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCER, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliancy requirements. 

The inaccurate entry is as follows : Acct Name : XXXX XXXX XXXX Account # XXXX Date of Charge-Off : XX/XX/XXXX Acct Name : XXXX XXXX XXXX  XXXX Acct # XXXX Date of Charge-Off :XX/XX/XXXXAcct Name : XXXX XXXX XXXX Acct XXXX XXXX Date Of Charge-Off : XX/XX/XXXXAcct Name : XXXX XX/XX/XXXXXXXX Acct # XXXX Date Of Charge-Off XXXX XX/XX/XXXX Acct Name : XXXXXXXX XXXX XXXX Acct # XXXX Date Of Charge-Off : XX/XX/XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. Metro 2 Compliance : The Metro 2 Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant.

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and Metro 2 compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, I sent {$7900.00} to XXXX  for a used car. I sent the money via Chase Bank to a XXXX  XXXX XXXX Account number. 

I was told I had 10 days to inspect the car once shipped and my money was put into escrow so I could get my money back at any time. 

The communication has fully stopped and their website is no longer active. I read mutiple reviews about this being a legit company. 

I have screenshots and email records of all of this. 

My bank - Chase XXXX Bank XXXX XXXX  XXXX XXXX Name : XXXX Website : XXXXXXXXXXXXXXXXXXXX  Email : XXXX Name : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX th I received a letter from resurgent that says someone owes a alleged debt for XXXX The letter I sent asked specifically for the purchase agreement to prove resurgent owns this bad debt they failed so they broke the law under 15 usc 1681 b they can not report a debt or anything since they dont own it its fraud and identity theft. I want this to cease and desist and to remove from my credit report today
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address/addresses on credit report.