23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than XXXX occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate. 

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions.

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following account as the last payment on the account was made over 7 years ago : XXXX XXXX Bank account XXXX In response to my previous complaint regarding this matter, Equifax advised  that XXXX  XXXX confirmed that the last payment was modified and is now reporting correctly, but it is not true. Please request XXXX XXXX to provide that information to support their allegation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I contacted the credit information furnisher Comenity Capital/XXXX via certified return receipt letter, disputing the information on my credit report in all three bureaus. The credit company received my dispute letter on XXXX. I received a response letter stating that the account was sold to another company and verified as accurate but failed to provide a verification of my signature to validate that this account belongs to me. After the expiration of 30 days since the date of receipt of my letter, on or after XXXX, I pulled my credit report and discovered that credit furnisher violated section 623 of FCRA by failing to report to credit bureaus as being disputed. 

On XXXX, I mailed a second letter to Comenity Capital/XXXX  requesting to remove my account from the credit report agencies due to their violation of section 623 of FCRA, making a good will attempt to resolve this issue amicably. The creditor received my second letter on XXXX and prior to expiration of 30 days, replied that the account was sold and verified as belonging to myself without providing any proof of my signature that makes this account my liability. To this date, the account is still appearing on my credit report and unfairly causing me financial injury and damages my reputation. 

I keep the paper trail of all written correspondence on file and can provide it per your request.
Product: Credit reporting or other personal consumer reports

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


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


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

On XX/XX/XXXX around XXXX PM eastern time I received a call at my place of business/employer from a man name XXXX from Secure Capital Management advising that he is calling to collect debt or a court judgment will be place on my behalf. XXXX XXXX from Capital Secure Management stated I owe {$1700.00}. He stated XXXX XXXX XXXX is taking legal actions on my behalf due to me financing furniture with a mattress company in XXXX, FL. I asked XXXX XXXX if he can give me more information because I was never aware that I owed XXXX XXXX XXXX money. He proceeded to say I dont know, I am just calling because your file was forwarded to us and we have to take action I informed XXXX if this is true this XXXX XXXX XXXX needs to be investigated because when I financed with them back in XXXX I authorized XXXX XXXX XXXX to have my account set up for automatic payments monthly, XXXX then advised me that only XXXX payment was received and the rest of the payments could have bounced back due to low balance on my bank account. I informed XXXX that if this was true why I didnt receive a call from XXXX XXXX XXXX advising me of this issue. I explained to him I never got a phone call from them or a letter advising me of this. He then stated He doesnt know why this wasnt done on their behalfs then attempted to work out payment plan with me and was very adamant that I have my debit card on file with him even though I advised him I am unable to make a payment until Friday, XX/XX/XXXX. He stated he will not charge my account until Friday XX/XX/XXXX, but he needs to have it in file to start the process. I informed him I can not do that and requested he contact me today XX/XX/XXXX at XXXX ( XXXX ) to discuss this further. 

I am aware of my rights and aware that contacting my place of business or employer to collect a debt from XXXX is ILLEGAL.
Product: Credit reporting or other personal consumer reports

Negative accounts are being reported on all three of my Credit Reports : XXXX, XXXX, and XXXX. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.
Product: Credit reporting or other personal consumer reports

Identity theft happened to me, and these accounts are showing up on my credit record because my information was stolen. They really bother me because these accounts aren't mine and I shouldn't have to answer for something that was started without my knowledge.
Product: Vehicle loan or lease

The car dealership XXXX XXXX XXXX XXXX submitted fraud on my credit application to get me approved with Hyundai Motor Finance. The 2 page credit application they submitted to Hyundai Motor Finance was re done. The credit application that I signed showed XXXX month SSI. They reported a income of XXXX which was fraud. I dont get but XXXX a month. How did they show proof of this XXXX to Hyundai? We have contacted a attorney and will be filing a lawsuit against all parties involved that caused me hardship in the result of having a XXXX. I'm a XXXX injury individual that is a result of a XXXX injury in 1998 .I have been on SSI for almost 3 decades and all I get is XXXX but I have a over payment which my check is XXXX. I didn't go to the dealership looking for a car. I was there with my sister. She was looking for a car. She got denied with XXXX mo. Income. The salesman asked me if I need a car. I said I do but my credit is only a XXXX and I dont get but XXXX a month SSI he said you never know. He took a application on me. Sent me home to get a bank statement and proof of income and a bill. When I returned he said I was approved for a brand new car. My first words were how? He said relax you are approved. This contract is voidable and fraudulent. The dealership put me in predatory loan. Knowing I wouldn't be able to afford the vehicle causing me financial hardship. I went out and got a job to keep the car payments current and on my 3rd day of work I had a XXXX. Stressing about losing the car. I want Hyundai Motor Finance to thoroughly investigate and remove this fraudulent account from all 3 credit bureaus. What XXXX XXXX did to me was unlawful, unethical. I do plan on suing all parties involved. And final where is the proof of the XXXX that the dealership fraudulent reported. Someone at Hyundai Motor Finance in Funding could of possibly assisted the dealership with this fraudulent loan. Because you do have to show pay stubs, letter of award from SSA and bank statements. Please see attached documents
Product: Credit card or prepaid card

XX/XX/2023 received a credit card for capital one I had not requested or applied for. This was done in Texas. They closed the account.
Product: Debt collection

On XX/XX/XXXX, my XXXX XXXX XXXX ( XXXX ) Truck was repossessed by Westlake Financial ( XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ), the vehicle was dragged from my driveway by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX contracted XXXX to repo my vehicle. On XX/XX/XXXX at XXXX, I discovered my vehicle missing and I immediately contacted my creditor- Westlake . I spoke with a lady, she did not provide her name, she told me I would need to pay {$500.00} for the towing fee. I told her in the State of TX, that is an excessive amount because the normal charge and the " regulated fee '' is no more than {$270.00}. She replied, " We can charge whatever we want! '' She said that Westlake Financial would add this amount to the end of my current loan agreement. Now, when I look up my account online, I have discovered that they are demanding I pay the towing fee now. Also, when XXXX dragged my vehicle from my driveway, they damaged my vehicle. The transmission linkage is inoperable. They tow company also damaged my right passenger door, dented and scratched. Westlake Financial is assessing excessive tow fees and additional charges regarding the repossession.
Product: Credit reporting

I have filed complaints with Equifax three times and provided them with several documents that I received DIRECTLY from XXXX XXXX stating that I was not delinquent on my XXXX/XXXX/13 mortgage payment. .Equifax is ignoring the request to remove this frivolous and inaccurate information.
Product: Student loan

My student loan payments are missing on the XXXX website. I have been in repayment from XXXX and many of those years are missing, due to the fact one of the loan servicer is no longer a loan servicer. Fortunately the loan servicer who took my loans over has most of their records. I need these payments counted so that I can complete the PSLF, I have been employed from XXXX to present with more than 10 years of service to complete the requirement of the loan forgiveness program. I have my current servicer response but until XXXX signs off on the count nothing will happen. They are not helpful and I know they are overwhelmed but I have the documentation needed. I did a complaint in XXXX of XXXX and they said records are correct. Since then I did receive my records from XXXX and XXXX ( attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a positive account with sun it that is only reporting on my XXXX credit report.
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. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Rash Curtis and Associates has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?
Product: Credit reporting or other personal consumer reports

This is in regards to account # XXXX from XXXX XXXX. This account is not mine and it was removed because of identity theft but now appears back on my report. Please immediately remove this item.
Product: Debt collection

Please refer to all documentation contained in complaint XXXX. You closed the complaint with zero resolution. This debt still has not been validated. It is a false and fraudulent charge and the hospital nor the collection agency is able to justify or validate the alleged charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have had several disputes minimal progress my XXXX  and XXXX reporting in 600s equifax stalled at XXXX. Anytime going over 600 immediately drops back down. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The Experian Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. i am demanding you to REVIEW THIS ACCOUNT AND REMOVE THIS IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to get credit with synchrony bank/paypal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.
Product: Credit reporting or other personal consumer reports

Inaccurate accounts are suddenly showing up on my credit report, and I am completely baffled. Ive been diligent about monitoring my report, and this has never happened before. I tried refreshing my browser, thinking it might be a technical glitch, but the errors remained. Im desperate for a resolutionplease check the documents I submitted carefully so I can finally feel some relief.
Product: Checking or savings account

On XXXX XX/XX/2022, I received an email notification that my Citi checking account had been overdrawn due to an expected monthly service charge. I had this account open for nearly two years and this was the first such charge to hit my account. I immediately called Citi to reverse the monthly charge and close the account. The service rep reversed the monthly charge, refunded the residual balance to one of my Citi credit cards, and proceeded to close my account. At this point, I was no longer able to view statements or manage my account. On XXXX XXXX 2022, I received an email notification that I owed {$34.00} from the closed account and that this amount had been sent to a collection agency. I immediately called Citi and found out that I had been charged a {$34.00} overdraft fee after closing the account two months prior, which I had no way of knowing since my account access had been removed. I requested the {$34.00} overdraft fee be removed however, the service rep was unable to remove the charge since it had already been sent to collections. The service rep said that they would send me a {$34.00} check in the mail to " refund '' the amount but at this point, there may be significant damage to my credit report. I am XXXX XXXX  with a XXXX XXXX  and any adverse material on my credit report could have severe repercussions. 

I believe that : 1 ) Citi unfairly charged me an overdraft fee for a monthly fee that had already been refunded. 
2 ) Citi improperly closed my account without addressing this overdraft fee. 
3 ) Citi provided inadequate notification of the overdraft fee and the impending action it would take. I did not receive anything in writing about the amount owed or the fact that the owed amount would go straight to collections. 
4 ) Citi unfairly took action against an account to which I had no access to nor visibility about any balance owed. 
5 ) Citi provided inadequate response to rectify the overdrawn amount after I called on XXXX XXXX 2022 and was promised a " refund '' check. The damage to my credit report may already be done and will have lasting and irreversible effects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 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: Credit reporting or other personal consumer reports

It has been over 50+ days and neither XXXX XXXX Equifax XXXX XXXX has responded by to my disputes. I have sent numerous dispute letters to have accounts improved from derogatory to current status because they have been paid as agreed, but they continue to report these accounts as negative. Because of their continuous stall letters and tactics saying that I am not who I say I am and will not proceed with the investigation, they have violated my rights as a consumer under the FCRA because they have failed to respond to my requests in my timely manner. 

I have attached letters and and responses.
Product: Checking or savings account

I have been dealing with fraud, as well as identity theft for months now. The dispute process has been a nightmare. I have resubmitted it with police reports and a written statement this was 100 % not me and I am unsure at all why am I liable for any of these charges! I put specific dates and amounts in my follow up letter to them. I have proof that my information was compromised, not sure what else I can show you guys. There is no fax numbers, and the people that I speak to dont have extensions to follow up with.