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

I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. Equifax, XXXX, and XXXX refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing regarding the above-referenced accountXXXX XXXX XXXX XXXX  Account number XXXX Please note that I am not disputing this account. However, I kindly request that you provide the following information for my records : The Date of First Delinquency for this account. 
The Date of Last Payment made on this account.

The Date of Charge-Off for this account. 
I would appreciate it if you could provide this information in writing. If additional documentation or authorization is required to process my request, please let me know at your earliest convenience. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, Ive been a victim of identity theft. Im sent over 10 letters and ftc reports to XXXX and they continue to ignore them and ask for proof. They say they have did an investigation. Which its no way this information could be validated a state of mind because its fraudulent. Please show me who you spoke with at the company who sent you a signed contract how did you verify this did not to computer automated system these dates are all fraudulent someone stole my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. it has been well over 30 days, and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has beenwell over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Product: Debt collection

I sent this company a qualified written request to validate the claimed debt per the FDCPA 15 USC 1692 ( g ). I sent them a verification of debt, to which theyve not provided any response. I told them to cease and desist. The company is liable for the damages their commercial misrepresentation has caused me. The purported original creditor never loaned me anything. Theres no way I would be liable to pay a debt to company that doesnt have any interest I have no contractual obligations to. This company has no standing to make claims of a debt owed. In direct violation of the FDCPA, this company under the authority of XXXX XXXX is harassing me. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Debt collection

In XXXX  I received a notice that an account in my name was in collections, however, there was never an account opened by me during that time. I have searched back through 10 years of records and they are stating it's a XXXX XXXX XXXX account that they purchased from XXXX, however, we have no record of opening that account. I have never opened any accounts in JUST my name as I haven't worked for almost 20 years. My husband has never opened an account for me alone and we do not own credit cards. 

We tried to file a dispute last year with a demand letter and they have yet to provide information showing this was our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint in my personal credit report information that is questionable. I was never late on these accounts. It has been deferred because I'm still in school. Also, how can it be 90 days late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record in all accounts listed below : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I have a account reporting incorrectly I spoke to a supervisor at Equifax XXXX ID # XXXX I explained Ive disputed this same issue 3 times and Equifax hasnt done the proper investigation, the acount is showing date of last payment XX/XX/XXXX, but a date of 1st delinquent XX/XX/XXXX which is impossible. The supervisor XXXX told me what ever the company reported is what they have to put because XXXX is a creditable company, the company has change the date to keep this on my report This account should be removed XX/XX/XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting 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 XXXX # XXXX -- IDENTITY THEFT 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

They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.
Product: Debt collection

LVNV Funding LLC is claiming I owe a debt to them for the amount of {$8000.00}. I have requested they provide documentation where I signed and got into a contract with LVNV Funding LLC showing I owe them. They have not provided documentation requested and they have posted the collection on my credit report which has negatively impacted my credit report preventing me to be approved for a credit card and vehicle purchase which I desperately need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not file any more disputes on inaccurate information. i have a collection account that keeps popping up under different names every other year or so. its the I c systems ( then it will disappear, then reappear ) which is the same as the XXXX XXXX, like they keep reselling information that is incorrect. i want them to stop reporting inaccurate information on my credit report as i have never gotten a call or letter from them but they always appear on my credit report. its not just them its all the ones in the attachment i can not seem to get rid of and keep disputing. the ones in the attachments i can not dispute anymore and have explained my hardships many of times. i have been on medical leave from work since XXXX/XXXX and have become a permanently XXXX vet. The thing is Im trying to fix my credit to provide for me and my children and a lot of these accounts need to be removed and not keep reselling information to other companies and a lot of the companies in red need to update their information as well. this applies to all three bureaus. also how come the one dept of education there is only one in red? you can not discharge student loans thru bk. Im working on that since i am XXXX percent they will be XXXX hopefully all thru XXXX all Im trying to do is better my situation/credit and I'm getting nowhere. None of my credit reports match at all. And I dont know if XXXX XXXX but Ive been getting denied for a house to buy/rent because of a lot of things on my credit and dont know how to go about getting them to be removed because I am XXXX with XXXX children. I sure hope this reaches the right person. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive have contacted the XXXX XXXX provider to report accurately report account status to all major credit bureaus. The company denied my request and stated they have the right to not report at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. 

The following companies have pulled my credit without my consent showing on my In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. 

The following companies have pulled my credit without my consent from 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 XX/XX/XXXX The following companies have pulled my credit without my consent from 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 In accordance with the Fair Credit Reporting Act, Department of ED/XXXX account number XXXX with the amount of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. These accounts are also showing incorrect information of potentially negative on XXXX credit report. These accounts have been paid in full. 

In accordance with the Fair Credit Reporting Act, Department of Ed/XXXX for ALL dates opened XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. These accounts are paid and closed on both Transunion and XXXX. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements : the following accounts, XXXX XXXX XXXX account number XXXX and XXXX XXXXXXXX XXXX XXXX  account number XXXX shows late payments, but we have worked out and agreement to start my accounts over. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. XXXX U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. It is also showing incorrect information on XXXX and XXXX bc this account is paid And closed.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I paid over {$1000.00} towards the balance on my Self XXXX card. The payment posted but the credit card issuer is still not reactivating my credit card.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Report shows this account was opened XX/XX/XXXX. The account status is " Account charged off. {$85.00} written off. {$85.00} past due as of XX/XX/XXXX. '' The responsibility is as individual, and the past due amount is {$85.00}. The original balance was for {$85.00}. This account states that the original creditor name is : XXXX XXXX XXXX. I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. Remove this account from my credit report at once. I have never in my life heard of, nor done business with this company.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding a hard inquiry that has appeared on my credit report, allegedly conducted by XXXX. After careful review of my records, I find myself compelled to dispute this inquiry due to a lack of proper validation and verification processes on the part of XXXX. 

XXXX - XX/XX/2023
Product: Credit card or prepaid card

I got a credit card from Lowe 's ( XXXX CA ) to avail of the 6 months interest free program. I received my first statement ( XXXX ) through the mail and immedidately sent payment for almost 10 times more than the minimum amount required ( {$420.00} vs {$44.00} ) by mail. However, due to XXXX issues causing delays in the post office, I assume that the company received the payment later than the required due date. Also, unbeknownst to me, they changed my statements electronically from the paper statements that I was expecting to receive on a monthly basis. I called the company to correct this error since I never received the second statement ( XXXX ). Afterwards, I immediately sent the second payment for {$420.00} to cover the amount for the second statement, which I assume is also {$44.00}. Upon receipt of the third statement ( XXXX ) by mail, I noticed that the balance owed was more than the amount I expected to still owe the company. It turns out that they charged me {$29.00} late fee for XXXX and {$40.00} late fee for XXXX including {$0.00} for interest fee. I called the company to dispute the fees and they agreed to refund me the {$40.00}. However, the other fees are still enforced. I just want to report that the business practices of this company regarding the fees are unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up a checking and saving 's account in my name at region 's bank and i'm trying to report fraud
Product: Mortgage

I am very sorry but I could not locate how to reopen a claim. This is claim # XXXX. The last regular transaction was speaking on the phone with XXXX XXXX in the Executive Offices when she assured me that the loan was a charge off. I am now being called almost daily to on this and they say they do not see the charge off occurred. I do not feel I should have to start over with this process when Chase has clearly stated that my house qualifies for no other option due to condition and value. 
My computer completely crashed and I lost dates, etc that I was keeping track of the phone calls so I am at a loss as to my next step. Please help me, if you can. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX of Inquiry XX/XX/XXXX
Product: Debt collection

JPMCB AUTO
Contact
XXXX XXXX XXXX XXXX XXXX, TX XXXX  (XXXX) XXXX-XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Mortgage

Good Morning to whom may concern, RE : Case XXXX, I, XXXX XXXX XXXX still in disagree with Bank of America in regards its refusal to delete of the Full Reconveyance ( Home Loan ending in in XXXX ), the last three lines that states on the scenario of full collection enforcement of the debt related to this Deed, even it was already BK Chapter XXXX discharged. 
So Far, I just received a letter of a third party " Law Firm '' from BofA that states on this matter wo n't be enforceable by any form by collection. 
I am in demand that Bank of America ammend the Deed of Reconveyance with the last lines related to the possibility of collecting the discharged debt. 
I 'll considering this matter dismissed when this legal recorded document has been edited with the part in conflict is deleted. 
This will be corrected in writing, clears the water. 
Thank You CFPB Staff
Product: Credit card

On XX/XX/XXXX, I filed an identity theft complaint with the CFPB regarding the furnishing of nonpublic personal information without my consent on my consumer report. They responded that the information furnished was acceptable in accordance to the cardmember agreement signed when the account was opened, however the Cardmember Agreement that I agreed to in XXXX of XXXX was agreed to under FALSE PRETENSES making the agreement a result of FRAUD. Prior to agreement, I was unaware that the payment history is nonpublic personal information and was under the impression that the terms of the contract were legal. In addition, I am now aware of 15 U.S. Code 6802 ( b ) and USC 6802 ( c ), which states that I, the consumer, am " given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was not provided neither the opportunity to opt out of disclosure of my information or an explanation of how I could exercise that option. Therefore, the transactions between Discover and myself, specifically the late payments, that were furnished on my consumer report are in violation of multiple consumer laws, including but not limited to USC 1681b Permissible purposes of consumer reports, and needs to be removed from my consumer report. It was not made clear to me that my nonpublic personal information, what Discover would call " payment history '', would be furnished, which according to consumer law is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the the consumer aka the creditor have believe that i am a victim of identity fraud and have been held accountable for other false allegations. I spoke with the company about removing these alleged late car payments off of my credit file numerous times and no action has been taken place. I also spoke on a recorded conversation ( on their behalf ) and was told that I owed this debt. According to 15usc1681 this is a disclosure to the consumer ( me ) and is in fact against the law. I believe this debt falls under 15usc1681j charges for certain disclosures this contract is not signed by me the contract states that all documents are signed by me and the dealership with signature, everything is typed and electronically noted without my permission.Also even on the contract it says that the contract was wrongfully noted i have proof from the contract itself which is also considered tampering which is against the law. Lastly the contract states that I have the ability to dispute or resolve this issue. I am not a lawyer or attorney and neither am i making threats but under 15usc1679g any person who fails to comply with my request as the creditor will be held accountable.