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

On or about and during XX/XX/2016 and including years of my XXXX   I became very XXXX  and during my XXXX medical care care was assign to work in my home, their jobs Included paying my bills. As a result of a XXXX on my XXXX  I had to rely on medical care I didnt realize that these individuals were using my credit cards for their own benefits after I paid my balances off. When asked by creditors why I continued paying my bills I did not know That these individuals were doing criminal activities on all my paid off credit cards. Again these individuals only had authority to pay my bills but they paid my bills and used my credit Cards. These activities were reported by the state police A police report was given to all the creditors. 

Capital one issued new credit cards by changing the account number but failed to drop the late information or data and carry Lateness 30, 60, 90, and 120 days late. When the credit cards were in the criminal hands. it is clearly known that that this data only occurred doing the Thief I have beenDisputing with Captail one for close to three To 4 years now the Credit Bureau s companies have over 130 requests to remove the late data off of the remainder new credit cards I have now. 




Cards below are Active clients late fees 30 days, 60 days,90 days, and 120 days show be removed XXXX XXXX XXXX Please the cards that are newly given are perfect only the lateness should be removed Constant disputing causes and Inaccuracy. 
please the cars listed below are active One particular credit card that was dispute To the capital one. The company stopped the credit Ending by closing the account out and issued Another credit card but never sent the new credit card nor erase the data that transfer to the new credit card. I do not have this credit card in my possession that company never issued this account was used by self with a police report XXXX This is the only card should be removed off my credit This card was replace with Another number capital one is charged interest and fees on a card that was never given to me that was given a police report for thief and now is a charge off on my credit report for years and has constantly being disputed with a police report.
Product: Mortgage

I paid off my mortgage in full on XX/XX/XXXX with Sierra Pacific Mortgage Company. Due to escrow closing earlier than expected, I overpaid by about 2,000 , and my mortgage company said I would be issued a refund check. 

I had originally submitted a change of address form to my new address in XX/XX/XXXX of this year, but my mortgage company did not process this change in address and failed to tell this to me. 

Then, I called my mortgage company after closing, and they said they would mail the refund check to my new address. 

In XX/XX/XXXX, I called to inquire about the status of my refund, and they said they had mailed it to my old address - the house I sold in XX/XX/XXXX!!! 

I have since gone back and forth with them multiple times, and they still have not sent me my refund check to my new address, even though I keep sending them all of the forms and documents they ask for. I call each week, and each week they say they will take care of it, but then next week, the new person says the previous person didn't complete the required actions. 

They also refuse to call me when they have done anything, and insist I keep calling them for status.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights to privacy pursuant to 15usc168b2 the personal information is false I never stayed at these addresses on my credit report and I want them removed thank u
Product: Credit reporting or other personal consumer reports

TRANSUNION, is reporting information on my consumer report that is illegal. XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX and XXXX XXXX accounts present on my consumer report are all companies that are federally obligated to cease furnishing of any information on me, XXXX XXXX, to any consumer reporting agency. ( I've attached proof below ) TRANSUNION must delete and update the referenced information to avoid breaking any federal laws and avoid being brought into arbitration proceedings. XXXX has 4 days of receipt of this complaint to comply. Also please update these incorrect names and Addresses : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

AFFIRM INC is violating 15 USC 1666b. This company is inaccurately reporting late payments on my consumer report on the following dates ; XX/XX/23
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reportsand noticed that I had a 30 day late payment in XX/XX/2018 on an account that has never been late 30 days. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late 30 days on any payment for this account XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that this payment was late at least 30 days. If proof can't be provided, I demand that this payment status be updated to on time as it should be as I was never late 30 days. Thanks.
Product: Credit card

Capital one has charged me interest despite paying off the balance in full day before the due date. 
I had a problem with the previous payment cycle, auto- pay posted for {$1300.00} balance due on XX/XX/XXXX, but due to error in bank account number the payment was returned. I contacted the credit card and the payment was rectified, and posted on XX/XX/XXXX. Interest of XXXX dollars was charged because Capital one chose to hold the payment for 3-5 days after it was deducted from my bank account. 
( The problem with bank account was that the Capital one app pulled in some account number automatically, and when I tried later to review it I couldn't see it. ) After that I had a remaining balance of about {$3500.00} which was due on XX/XX/XXXX. I paid it off on XX/XX/XXXX. Now I have a charge of {$68.00} interest although I haven't been using a card over a month, and paid off the balance in full on time. 
I spoke to Capital one representative on the phone today for half an hour, and looked at my statements, and still don't understand what this new interest of {$68.00} is for. I was also not warned about additional future interest charges when I previously contacted the company on XX/XX/XXXX. Would I be informed maybe I would have paid off all balance, and closed the card.
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 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: Student loan

RISLA ( Rhode Island Student Loan Authority ) provided a {$6000.00} loan which is now a {$29000.00} loan and the reporting to the credit bureau is inaccurate and does not reflect payments that are being made. I am a co-signer on the loan and can not get a mortgage loan due to the inaccurate information. For six months I have asked the lender to correct the information because the borrower is making on-time payments since 2014 ; however, the lender refuses to do so.
Product: Debt collection

Subject : Debt Validation request, Purchase Agreement request I am writing in response to the collection of a debt. I do not recognize this debt and am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : 1. **Validation of the Debt : ** - The amount of the debt, including a complete breakdown of any fees, interest, or other charges.

- The name and address of the original creditor.

- A copy of the original agreement or contract that created the debt.

2. **Verification of Your Authority : ** - Proof that you are legally authorized to collect on this debt, including documentation showing the chain of assignment or sale of the debt to your agency.

3. **Details of Payment History : ** - A detailed accounting of all payments made on this account, including dates and amounts.

Until you provide the requested validation, and all documentation pertaining to the purchase agreement, I request that you cease all collection efforts and communications with me regarding this matter. Pursuant to the FDCPA, any attempt to report this alleged debt to credit reporting agencies without proper validation is prohibited.

This letter is not an acknowledgment of any liability for the debt in question, nor is it a promise to pay. Furthermore, please communicate with me only in writing at the address provided above.

Thank you for your prompt attention to this matter. I expect a response within 30 days from the date you receive this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible
Product: Debt collection

I Had a gym membership with XXXX XXXX located in XXXX, NY I had called XXXX XXXX in or around XX/XX/2020 and explained that I needed to cancel my gym membership, since the lockdown from the pandemic is going to last. They told me I had to send a certified letter and I explained we are under a lockdown and I can not go to the post office. XXXX  explained someone would call me. I never heard from them and then a year and a half later a gentlemen from Aldous & Associates located in Utah calls me and says I owe {$140.00} to XXXX and he is a debt collector. I explained I had called XXXX and cancelled and they said I would have had to send a certified letter. I explained NY was locked down and I could not send a certified letter. I went on further and asked when was this debt from and they said they didn't know. I said I need a copy of the debt instrument and they said send a request to their PO Box and I had explained I wanted an address so I can send a certified letter signature required they said no. I also explained my gym membership was up prior to NY allowing people to go back to the gym and they said I was on auto renew. I went on further and explained NY has a law requiring gym 's to allow people to call to cancel their membership and NY does not allow for auto renew unless it was explained to the consumer and nothing was ever explained to me. The rep from Aldous & Assoc. said they do not follow NY law and they follow federal law. I then asked what federal law did I break? They would not answer that. After that phone call my credit monitoring company reached out to me and stated that Aldous & Associates put a negative mark on my XXXX  credit report stating I was in collections. Right on Aldous & Associates website they state they report to credit agency 's then the consumer usually settles the debt quickly. Please note I never received a letter or any written communication as to who these people are and what and when this debt is for. These days this sounded like a scam and not a legitimate business. I asked for a copy and validation of the debt and then they negatively impact my credit? This must be illegal behavior.
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. 

account name XXXX XXXX account number : XXXX account name : XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX  account XXXX account name : XXXX account number : XXXX account name : XXXX account number : XXXX account name : XXXX  account number : XXXX account name : XXXX  account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX  account number : XXXX 15 u.s code 1681 section 602.a. states i have the right to privacy 15 u.s code 1681 section 604 section 2. also states a consumer reporting agency can not furnish a account without my written instructions ( in which i have given no instructions to do so ) 15 u.s code 1681 c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s code 1681 s-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 cause to believe that the information is inaccurate ( which i have printed my credit report and found many inaccurate items, which violates my rights over and over throughout the report. ) i sent out an investigation letter to all XXXX credit bureaus XX/XX/2022 as of XX/XX/2022 i have not received results from experian nor did none of the bureau send me a letter within 5 days stating they started the investigation i also specifically asked withing the letter to be notified of whom access to my credit report which has failed to be provided
Product: Debt collection

XXXX XXXX XXXX {$120.00} Never received a call from them or a notice in the mail of the debt. Never gave me a chance to dispute or discuss a solution to the debt. It just ended up on my credit reports three times with different dates at the same amount of {$120.00} of what I owe.
Product: Credit reporting or other personal consumer reports

I have a letter from the FSA dated XX/XX/year> that says the following :.

We have carefully reviewed your application for borrower defense and determined that any loans that may have been eligible for discharge related to your enrollment at XXXX XXXX were previously cancelled or discharged.

Yet this continues to remain on my credit report regardless of how I try to get it off. The only XXXX loans I've ever had were from XXXX XXXX XXXX which, due to scamming myself and others ( verifiable by just doing a simple XXXX search ), changed their name to XXXX XXXX XXXX This should be removed from my credit report. Not only did XXXX XXXX withhold my XXXX because they said I needed to pay my XXXX loans in full, but they lied to get me in the door. They specifically said they had a work placement department that would get me interviews with companies in my related field, which was XXXX XXXX XXXX XXXX Well, the only thing they had for me was XXXX XXXX XXXX XXXX XXXX, to which I said the only reason I went with your school was because you said I would get interviews for jobs in my field as I got close to XXXX 

This is where the loan originated, and whether it was bought, sold, or refinanced doesn't matter. It's with XXXX now, but the FSA said it's discharged, and I want it removed ASAP. I have documentation if needed.
Product: Credit reporting or other personal consumer reports

I had taken out a loan for a car through Chase financial on XXXX of XXXX. I paid the car off completely and on time every month. It did not show up on my credit after contacting XXXX, XXXX, XXXX through here they were of no assistance. When I speak with chase they told me that it is up to the credit bureaus to report the loan. I have been stuck and this is a big loan that I have worked hard to pay off. The account number is XXXX. For a XXXX XXXX XXXX XXXX. The account was a total of {$29000.00}. As of XXXX of this year it was paid off.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I rec 'd a forgiveness letter and a XXXX balance of account, as well. 

When I called in XXXX XXXX  to follow up on those letters, I was told by the Customer Service XXXX, the credit reporting agencies will be notified within 60 days from that forgiveness letter dated XXXX XXXX XXXX 

As of today, Experian, XXXX and XXXX still have open status for XXXX and a balance owe {$6900.00}. 

I contacted the reporting agency 's, they say that they confirmed information with XXXX but change nothing on my credit report. I gave them the forgiveness letter and the XXXX balance letter and didn't change my balance to zero or change the account to close. 

However, Experian did provide me with the information to contact your office for help. 

If your system allows, I send you all documents to proof. I will be send you front and back for the forgiveness letter dated XXXX, XXXX Balance Account from XXXX ; dated XX/XX/XXXX and additional document dated XX/XX/XXXX directly from my know open, XXXX account website to show a they have my account listed as PAST DUE AMOUNT XXXX. 

XXXX was already paid from XXXX XXXX, this is reason why I rec 'd the letter from the servicer in the first place. 

I will like this matter to be looked into asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX I spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit that was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Money transfer, virtual currency, or money service

Money is being withdrawn from my account and the bank has refused to credit me my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017 Gateway One Lending made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a legal and notarized document and request for proof of claim, Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, US DEPT OF EDUCATION # XXXX, Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX v. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX  XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX
Product: Debt collection

This company is reporting me to credit burros with out letting me know of the supposed debt I never received notification or authorize any of this charges believe if I knew it was gon na be XXXX dollars I wouldn't allow it second I never authorize for the debt to be sold to them to my knowledge is ilegal
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$470.00} XXXX XXXX {$2000.00} XXXX  XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 then seven years.