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

I have a car loan with capital one financial. My car was totaled in XXXX of 2023. The insurance company Paid capital one, however, there was a balance for a little over XXXX. I started to pay the balance which brought it down to XXXX. I began to review .y contract and realized I had gap insurance and the gap should have covered the balance. I have been in contact with capital one on many occasions, and they have been of no assistance. The only thing reps keep saying Is that I pay the bill. The last conversation I had, a representative stated they were going to look into my gap coverage, then came back and stated they had no answers. I have asked for the contact of the company that provides this coverage from capital one and they have stated they can not release that information to me. Capital one has me as having late payments on my credit report but have made no good faith effort to resolve the problem. I t was written in a physical contract that I have gap coverage yet capital one will not honor their contractual obligation. Thus has been going on since XXXX of 2023. I am at the point where I believe I need legal representation because I'm getting no where with this company. After the first payment from the XXXX company, it took me contacting the credit bureaus for capital one to update and reflect the correct balance and information on my credit report. Capital one financial is Turning out to be not so reputable.
Product: Debt collection

Clark County Collections Services sent me a judgement for a debt back in XXXX for a XXXX I had XXXX XXXX XXXX XXXX  I called Clark County Collections and informed the company that i did not recall the debt because the information they provided me was not regarding my XXXX. However, after I called the XXXX  I was informed that the bill was due to the XXXX  XXXX I had. I then called them back and informed them I was on Social security and I had limited income but could pay {$50.00} a month. I asked the representative if I needed to contact the courts or reply to the courts and he indicated that I did not by contacting him and setting up arrangements the judgement will not proceed. I then was told that I would need to come into the office to sign an agreement. I went to the office on XX/XX/XXXX and was asked to sign a paper and give a copy of my license and was told the representative would not speak with me until i complied. The representative then came out and said that management has proceeded with the judgement. I am attaching the record showing that the judgement did not proceed until after i went to the office. This is now on my credit report which was never put on the report prior to this event.
Product: Credit reporting

Chex Systems has received letters, faxes, and police reports as well as verified evidence showing that it was not possible for me to have the listed accounts. Chex Systems negligently refuses to remove the fraudulent accounts. The only action left for me to do is file a lawsuit, which I 'm more than willing to do.
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX have violated my rights by using in accurate and inconsistent information across the 3 bureaus. From dates open to incorrect balances nothing is making sense, and I am asking that all accounts be deleted .According to the consumer financial protection bureau and by law the fair credit act 15 U.S.C . Sec. 1681i ( a ). That if you can't provide proof and if the information is inaccurate, these accounts must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC1681 section 602 states I have the right to privacy.

It also states that a consumer reporting agency can not furnish and account without my permission.

15 USC 1668B : a creditor payment treat a late payment under an open end consumer credit profile as late for any purpose. 

XXXX XXXX XXXX has violated my consumer rights by adding late payments on XX/XX/2022 and XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete XXXX XXXX XXXX, disputed false account XXXX ( copy of credit report attached ) due to : 1. Last payment date doesnt tie into statements provided by XXXX 2. Account doesnt belong to me.
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, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 These accounts are violating my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ), section 2 states that a consumer reporting agency can not furnish an account without MY written instructions andor consent. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is regarding XXXX XXXX XXXX XXXX XXXX, which is being reported to credit reporting agencies without verification. This is a formal notice that your reporting is disputed. If verified, please provide the XXXX of XXXX. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) these items as reported. Please note that a report, a printout, or an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

It is unethical not to mention illegal for you to use my information to update erroneous information provided to you. Asking for additional information is a well-documented tactic of LexisNexis. The public record and my demographic info is what is needed as per other complaints to your company. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for this public record, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the item/items, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this letter is a violation of the FCRA and will result in small claims legal action against your company at my local venue. 

You will be required to appear in a court venue local to me, to formally defend yourself. For the purposes of 15 USC 1692 XXXX XXXX, this Notice has the same effect as a dispute to the validity and accuracy of the alleged bankruptcy and a dispute to the validity of your claims. 

Please do not send me a letter with the contact information of the court they dont report to LexisNexis XXXX any other agency. Since you are reporting this item it is your responsibility to validate all aspects of it. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

When I lived at XXXX XXXX XXXX, I dealt with 9 months of roach infestations while even still paying rent on time! This place had been a huge headache and why I left. While living there, doors always falling off, toilet pipes breaking where it flooded my bathroom, roach infestations, the office ladies are extremely XXXX  and wont help with anything, they lie to just get money from you! I refuse to pay them anymore when they gave me XXXX living there with everything going on and they did nothing about it where I had to stay at a hotel and at my sisters before to get away from the infestation. I still have pictures from almost 4 years ago since I left there. I put a bad XXXX review for them so NO ONE experiences what all I went through. They also threw away my brand new pots and pans that was mistakenly left the day they supposibly said it was inconvenient that they through it away. They couldve called and let me know it was mistakenly left behind which was a gift to me. They were my favorite pots and pans. They were left out so I had something to use while everything was packed away for my move. The fact that I still paid rent ON TIME for all the 9 months of roach infestations and all the stuff breaking in the apartment that they wouldnt fix is unreal! Theyre never going to get another dollar from me which isnt owed to them for the amount of trouble they have caused me when living there and why I finally left a little over 4 years ago! I dont wish this on anyone experiencing the XXXX family owned business that are so called office ladies that lie to each tenant that lives there!
Product: Debt collection

In XXXX I sent a certified letter to ERC for validation for a debt Original Creditor XXXX XXXX XXXX XXXX for the amount of {$1800.00} On XX/XX/XXXX I received a response from ERC which stated they were unable to validate this debt. Stating the account would be deleted from any consumer credit reporting agency files to which they may have submitted information to. Letter signed XXXX XXXX, Senior Vice President of Operations. 

On XX/XX/XXXX, the unvalidated account was then re-added back on to my credit report unlawfully. 

I reached out to ERC via phone to get this removed stating I had received a letter for removal in XXXX. I spoke to XXXX XXXX, who informed me they will not be removing account even though i have a physical notice stating otherwise for not being validated. 

XXXX XXXX, supervisor refused to get on the phone or have any communication with myself. 

The debt has already been established as not being valid, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 And they VIOLATED my rights numerous of time. I DEMAND the accounts listed below be removed Because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

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

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXX  is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and must be removed.
Product: Debt collection

Surrendered the car to Ford Motor Credit Company in XXXX  in XXXX. I was incarcerated and jail in XX/XX/XXXX until XXXX, never heard from them. Now, I live in XXXX XXXX haven't heard from them until XX/XX/XXXX. The original amount was {$9000.00} and now they want me to pay the amount of XXXX, they have a lean on my house and they are trying to garnish my wages. The XXXX Law Firm in XXXX is handling the case now. I have asked the original documents but they can not provide it and I thought it was a scam because it's been over 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : Experian 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed  XXXX  disputes with Equifax requesting that they remove an outdat ed 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report, It is my understanding that a Chapter  XXXX  Bankruptcy is removed from a credit rep ort seven year s after the date of filing a Chapter  XXXX  Bankruptcy. Please note that  XXXX  and  XXXX  have both removed the bankruptcy from my credit history on their credit reports. Equifax is the only credit reporting agency that refuses to remove the t he 8 year old dis missed Chapter  XXXX  Bankruptcy from my credit report.   I mailed a dispute request to Equifax on  XXXX   XXXX ,  XXXX  requesting they remove the dismissed Chapter  XXXX  Bankruptcy from my file on the basis that Chapter  XXXX  Bankruptcies are removed after seven years. I included official copies of my United States Bankruptcy Court, District of Colorado, Chapter  XXXX  Standing Trustee 's Final Report and Account document, showing that my Chapter  XXXX  Bankruptcy was filed on  XX/XX/XXXX  and Dismissed on  XX/XX/XXXX , and therefore is ove r eight yea rs old and should be removed. On  XXXX   XXXX ,  XXXX  I received notification from Equifax advising that the information was " verified '' and that they would not remove it. I filed another dispute with Equifax on  XXXX   XXXX ,  XXXX , this time online, and received notification on  XXXX   XXXX ,  XXXX  stating, again, that the information was " verified '' and it would not be removed.   I called Equifax  XXXX   XXXX ,  XXXX  and spoke to a representative that informed me that my Chapter  XXXX  Bankruptcy would not be removed because it is their policy to only remov e Discharged Ch apter  XXXX  Bankruptcies after 7 years and since mine was Dismissed and not  " Discharged '' i t will remain on their credit reporting information for 10 years.   I have searched the Fair Credit Reporting Act laws and can find no law or regulation that distinguishes the difference between a " Discharged '' or a " Dismissed '' Chapter  XXXX  Bankruptcy that would allow Equifax the discretionary authority on whether or not it should be removed from my credit report, especially since the other  XXXX  Credit Reporting Agencies,   XXXX   and  XXXX , have removed it.   Therefore, it appears that either Equifax is refusing to comply with FCRA rules and regulation as it pertains to the removal of my eight year old Chapter  XXXX  Bankruptcy or there is no consistency required among the Credit Reporting Agencies.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and I have several inquiries from car dealerships. One of them is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. XXXX of XXXX just to name a few I have not inquired about a car loan since 2022.
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. 

XXXX  XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other that records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 causes to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all of the attached inaccurate information listed in my credit file be removed immediately. 
XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX Balance Owed : {$410.00}
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through thXXXX XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; Medical XXXX ; Medical XXXX ; XXXX XXXX XXXX  XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with Experian, XXXX, and XXXX credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Checking or savings account

I request for my account to be close XX/XX/2022. BMO Harris explained they will send the remaining funds of {$4500.00} by mail in 2 business days. I have not received a check. I called to have the check canceled and resent and BMO Harris explained they need to send an indemnification form for me to sign and notarize. I have not received such form. They said they would email it and I have yet to receive it. I have no other recourse it this time.