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

The FCRA states it is illegal to report anything on my report without my written instructions it is really affecting my credit report it is stopping me from getting a home.
Product: Debt collection

I was XXXX when this all took place so this should n't have went against my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a request to Experian asking them to verify the account being reported on my report by XXXX XXXX XXXX XXXX for XXXX in the amount of XXXX. I asked for copies of documents. They responded within 30 days without documentation saying that the account had been verified. I sent a second request on XX/XX/2018 asking for a demand for validation with documentation. On XX/XX/2018 I received notice from Experian that the company that reported the information has certified with Experian that the information is accurate. XXXX was sent a letter requesting validation and documentation on XX/XX/XXXX, as I believe the reporting is in error. On XX/XX/2018 I received a XXXX bill from them. One in the amount of {$1000.00} and another for XXXX. This does not prove the account is mine. I am asking for original documentation or contract that validates the account being mine, as I believe this account is being reported in error and negatively impacting my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone inquire my credit to apply for credit
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Debt collection

I sent 2 letters to XXXX  & Experian asking for proof of debt from XXXX XXXX XXXX XXXX for {$2000.00}, the date opened XX/XX/2019. This is not my debt. I keep getting the same candid response that the debt was placed following FCRA guides. I requested the original documents to verify that this is my debt. Also, the 45 days that the credit bureau had to respond exceeded the time.
Product: Mortgage

I was enrolled in Paymap, Inc. 's Equity Accelerator program through a variable mortgage I had with XXXX. I received a letter dated XXXX stating that a settlement had been reached between Paymap and the Consumer Financial Bureau ( AP File No. XXXX ) and I was due program fees, but had n't cashed the check yet. I had never received the check, but the letter included instructions to get a replacement check. I sent an email with the requested information to the appropriate email address on XXXX. I got an automated response saying that my request was received and being reviewed. It got to be XXXX and I had n't had any other correspondence from the company. I called again and the rep on the phone did n't have a lot of information other than that many replacement checks had n't gotten to people and I should submit my information to the email address again. I did this on XXXX, but got an automated response that the deadline for requesting a replacement check had passed. As a result, I am filing this complaint.
Product: Student loan

In XXXX I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX and XXXX XXXX XXXX XXXX a known bad actor, and we have been waiting years for XXXX to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the XXXX about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the XXXX left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate.
Product: Mortgage

I applied for forbearance in XX/XX/2021. Enrollment was down at the college I worked at and my workload was shortened. SPS keeps asking for the same paperwork over and over again. I recently gave them my check stubs and they are requesting my check stubs again. SPS has no intention of helping anyone that was struggling financially during the COVID Pandemic. If they were looking to help me why did they do a Property Valuation Report, see attached. They keep sending me documentation on XXXX. I inherited the house from my parents that were in XXXX XXXX while alive. I am in XXXX  XXXX but the property is not listed on my XXXX  XXXX because at the time of my filing the house was just beginning probate court. SPS has no intention of working with me, their only intention is to sell my house, I have seen all reviews on this company. This company doesn't help anyone struggling financially. They use forbearance to trick people into an early foreclosure. Also the relationship managers never respond to your emails, voicemails or faxes.
Product: Debt collection

I have sent 3 letters to Portfolio Recovery asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$2400.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. The information is also inaccurate by listing different " opening '' dates XX/XX/XXXX and XX/XX/XXXX on my report as well as the status of the account reporting as " open '' to one Bureau and " closed '' to another. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately. 

On XX/XX/XXXX at XXXX Portfolio Recovery signed for my 1st letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information. 
On XX/XX/XXXX at XXXX XXXX Portfolio Recovery signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
On XX/XX/XXXX at XXXX XXXX Portfolio Recovery signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law.

FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
Product: Debt collection

I received a call from a XXXX XXXX with Alternative Dispute Resolutions originally from an unknown number, then he left a message with phone number XXXX-XXXX-XXXX. He claimed to be following up on a civil complaint on behalf of XXXX XXXX for a bank account of mine that was forceably closed in XX/XX/2009  due to extensive overdraft. He said I owed $ XXXX+ and that amount would triple in 48 hours. He said someone would be at my house to serve me for an appearance in court on the matter by XXXX  XXXX  today if I didnt resolve the issue. I had a checking account with XXXX back then, it was closed but I paid them. This man had my full SSN!! Who collects on a debt thats almost 10 years old? I have a current account with XXXX XXXX. If I owed them money, they wouldnt have opened an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly a collection in the amount of {$3900.00} on the DIVERSIFIED CONSULTANT partial account number XXXX, from original creditor XXXX. ( Please see page attached from my credit report. ) This account is completely fraudulent. I never have had an account with XXXX, nor have I ever agreed to open an account with XXXX. This collection is being reported in error and needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to remove the fraudulent XXXX Lending Club loan from my XXXX credit report. The loan is not mine and when I call Lending Club I am told they can not find the account ( obviously ) so they can not do anything.
Product: Credit reporting or other personal consumer reports

The XXXX charge off information is wrong on my credit report, it is on transunion and XXXX but not XXXX
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$700.00}XX/XX/XXXXXXXX Balance : {$1200.00}XX/XX/XXXXXXXX XXXX Balance : {$3000.00}
Product: Vehicle loan or lease

JPMCB XXXX indicated on credit report a derogatory item closing out the lease : Charged off as bad debt|Profit and loss write-off. This was a lease, not a loan. This had a major impact on my credit rating. JPMCB sent an email dated XX/XX/XXXX after accepting my lease payment on XX/XX/XXXX. History of my lease payments indicated not issued with the payments, except in XXXX due to XXXX  XXXX. This did not affect my credit status as must as the derogatory indication. 
Since I was not notified of this and that XXXX XXXX/Leasing did not notify me of issued that caused the bad debt derogatory indicated would affect me and did not extend do to Covid after make attempts to purchase the vehicle also impacted my credit. To this day no remedy offered.
Product: Bank account or service

A personal check was mailed to XXXX XXXX Bank for XXXX from a Citi Bank account. My bank account statement shows that the money was deducted from my account, but XXXX said they were never paid. Citi Bank is not telling me who they paid or where that money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

AMERICAN EXPRESS Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX
Product: Mortgage

My loan with XXXX XXXX was sold XX/XX/XXXX. SLS sent a statement with an amount past due for {$2400.00}, XXXX not knowing what this is for, looking at the XXXX XXXX statement sent for the same XX/XX/XXXX month, .. This is reflected as an XXXX -- I have equity in my home that could have absorbed this 'buffer ''. No statement, no detail, nothing billed to me BY XXXX for such XXXX charges, .. now this loan was sold to SLS, and the same XXXX   charges rolled and are considered past due..?? This is a double dip. XXXX  on XXXX XXXX   Statement, and on the SLS Statement. 

I did not receive notice of the transfer/sale.
Product: Credit card

My wallet was misplaced and someone took my card and used it. Fraud transaction on my Chase CC from XXXX for {$700.00}. I reported the transaction as fraud immediately and issued a new card. Chase is refusing to resolve the dispute.
Product: Checking or savings account

A legal order was placed on the account ( belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from a XXXX XXXX XXXX XXXXXXXX and XXXX after they knew I was in bankruptcy. Wells Fargo Bank refused to give me any information and froze the account. The out of state legal order was for only about {$31000.00} ( documents are enclosed ) but the bank withdrew from my account over {$62000.00} ( documentation enclosed ). This order was an out of state order as the company and bank account were started and operated in XXXX only. This order was not domesticated in XXXX. Per XXXX  XXXX XXXX it is illegal to garnish or freeze accounts based on a foreign legal order. Moreover, per XXXX the bank must inform the account holder 30 days in advance. Also, the amount taken out of the account is not what the proof of claim ( enclosed ) said. 
I know there were precedents of this sort and XXXX XXXX  XXXX paid huge fines for doing just what Wells Fargo did to the above account. 
Wells Fargo refuses to give me information to clear the situation and the company XXXX for a month right now was not able to pay staff, medical insurance premiums and we have received eviction notice by the landlord. 
We are in a desperate situation and will be forced to shut down the company. What was done to us by Wells Fargo Bank is not only illegal by the rules governing these matters in the State of XXXX, but also shows the disregard they have for the customers. We have been a customer for 22 years.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reportedon my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not late on these accounts I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this. Under USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( Time XXXX EDT ). I XXXX XXXX, submitted an on line dispute to XXXX  disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX   XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Suddenly today, XX/XX/2020, I had a hit to my credit report from a company for XXXX. The company is Jefferson Capital. I have never heard of them and never received a call or email or US mailing about this. I have no idea how to contact them. It states its from a previous phone account that discharged several years ago. I had no idea it could suddenly be owned by someone else and reported randomly without contacting me at all.
Product: Credit reporting or other personal consumer reports

I have been the victim of the XXXX data breach, XXXX XXXX XXXX XXXXXXXX XXXX  data breach. My information has been compromised I have noticed some more accounts and inquiries on my credit report that someone has opened that i have not AUTHORIZED. I have submitted an FTC report and I have a police report that i had obtained when i first noticed the identity theft. 

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: Checking or savings account

Follow up on " XXXX '' - the bank responded : " '' We've confirmed - no neew bank accounts or Dell Pay Credit Accounts were opened in your name. We're unable to find an account ending in XXXX, as referenced in your correspondence. '' It's ( XXXX ) - XXXX XXXX XXXX XXXX, learn how to read, if stealing money from people is what you do best- you should still know how to read. 


COMENITY CAPITAL BANK opened a new account ( XXXX ) under my name, without my consent or any involvement, which includes a charge with interest and fees under my name, which they keep increasing and submitting to Credit Bureaus ruining my credit score. The account I had opened with Dell Financial/bank was : XXXX It can clearly be seen from the Dell Financial Services email confirmation for {$150.00} Autopay setup here ( XXXX ) : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called themto verify it was me and they still refused toprocess my disputes. I wasted money on mailingmy disputes out. I sentpersonal information toverify my identity through mail, just for them to notthoroughly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX XXXX XXXX ( XXXX ) ignores and mocks the CFPB by repeatedly labeling my requests and complaints for information as a duplicate. I continue ans continually requested a copy of the permissible permission issued to Experian by XXXX used to access my credit report in XX/XX/2017 as duplicate complaint. Neither Experian nor XXXX have complied, investigated nor submitted valid permissible permission. Experian investigates by asking XXXX if they are reporting accurately and XXXX always answers yes. This appears to be a game for both companies to dodge and deflect any liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX  ( # XXXX ) XXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX ( # 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