23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is towards XXXX XXXX XXXX of XXXX California billing department. 
I received my first billing statement for date of service on XX/XX/XXXX, in XX/XX/XXXX. My account balance at that time was {$6300.00} with no assigned due date, only states due upon receipt. I have made payments since then every month. They are as follows : XX/XX/XXXX : {$340.00} XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$150.00} and most recent payment on XX/XX/XXXX : {$500.00}. Current balance is now {$5100.00} Today is XX/XX/XXXX and as im checking online to make a payment for this month, there is a message on the portal stating there is no open account under my information provided. I immediately call the billing department and i am told that my account was transferred to a different department an XXXX, i asked if it was a collection agency, agent proceeded to transfer my call. Im confused as to why I am in collections! I spoke to collection agent and she informed me my account had just been transferred to them as of today XX/XX/XXXX. I informed her that couldnt be correct so i hang up the phone and immediately call XXXX XXXX department back. I spoke to one agent by the name of XXXX and she explained that my account was indeed in collections. I was upset at the fact that i did not get notice as to why my account was transfer to this collection agency. She couldnt help me any further so i asked to speak to her supervisor by the name of XXXX. XXXX was not able to help me in this matter either so i got transferred to his manager XXXX. I was on the phone nearly 1 hour and a half with this company trying to understand why my account was sent to collections. Im giving the reason you didnt make a payment arrangement. That is not sufficient, specially when i have been making monthly payments! They refused to help me by taking my account. I informed them i was not aware i had to be in a payment arrangement in order for my account to be out of collections. I offered to make an additional payment of {$500.00} for the month of XXXX and to be placed on a payment arrangement as on XX/XX/XXXX. I was told this is out of our hands. Very unfair as i was never informed of this collection matter nor was i given a call to given a heads up. This was just received by the collections agency today and im trying my hardest to revoke this situation as soon as possible and be able to make payment to XXXX XXXX XXXX. I was not treated very kindly and felt like i was not being listened to!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Debt collection

I recently reviewed my credit report and discovered accounts I did not authorize. I request the prompt removal and blocking of these fraudulent entries.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

contacted eos to validate that the account was mine. they could not provide me with any information but they sent a bill to me. Asked them to remove but they still did n't.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.
Product: Debt collection

I received a notice dated XX/XX/2022 from 1st Franklin Financial Corporation stating that I the consumer owe a debt that has not been validated or verified. I have sent a Conditional Acceptance and a Cease and Desist notice to 1st Franklin Financial and they have not provided me what I have asked for under perjury. 

I am a consumer these debt collectors can not state that I owe anything ( 15 United States Code 1692b ( 2 ). They also can not threaten to sue ( 15 United States Code 1692d ( 1 ) ) or continue to collect a debt after receiving a cease and desist ( 15 USC 1692c ( c ) which includes reporting false and misleading information to the consumer reporting agencies ( 15 United States Code 1692e ( 8 ). 

The collection efforts must stop or I'm going to have to pursue litigation with the abundant evidence that I have.
Product: Student loan

My loan refund was electronically deposited into my ex husbands bank account. Despite the fact the check was to be sent physically to my current, on file address. 

Nelnet keeps directing me to XXXX And refuses to direct me to fraud department Customer service is XXXX XXXX! 
She said she can only give information on active loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names, address, XXXX XXXX - false reporting Wrong date, wrong amount, reporting late, Most of my information is in XXXX. And credit reporting companies are saying information is correct without providing me any proof of investigation. Also reporting wrong personal information and not wanting to correct it when I called multiple times and mailed out many dispute letters via usps. All 3 credit bureau is not fix my concerns.
Product: Credit reporting or other personal consumer reports

The below account has shown up inaccurately and inconsistent on multiple credit reporting platforms where Ive pulled my credit report! I am demanding the immediate deletion of the account from my credit report under the provision of the FCRA 15 U.S.C 1681 et seq. This account has made approval for a Mortgage next to impossible. And getting this account remove is extremely time sensitive! I have attached examples of the misleading information that was reported! 

XXXX
Product: Debt collection

Collector misrepresents their role and is pretending to be the original creditor which violates the FDCPA. This is outlined of a debt collector misrepresenting themselves under Section 807 ( 10 ), which includes false claims about their identity, pretending to be the original creditor when they are not. Also reporting incorrect original dates of first late payment. These are deceptive practices and reporting should be removed.
Product: Checking or savings account

i had a issue with XXXX XXXX XXXX i dont owe any balance on the account but they put my account as fraud activity and reported to the consumer reporting agency and i have explain the issue what had happend that it wa a honest mistake my spouse had made he accidently deposit the wrong check and we had called next day to confirm the mistake and the bank of america supervisor had informed us that it should not be any problem it will just get returned check and get an fee. 
few weeks later we got a call from risk dept from BOFA stating that the account will be closed due to fraud activity? but we were informed by the customer service manager that it shouldnt be a issue so im writing this letter. 
please help us solve this issue. 

this was like in 2016 XXXX sometimes
Product: Payday loan, title loan, personal loan, or advance loan

Mariner finance is reporting inaccurate incomplete and unverifiable information to XXXX and XXXX concerning my credit report and without my written nor verbal consent which is a violation of the FCRA consumer law 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681b ( a ) ( 2 ) furthermore 15 USC 6802/15 USC 6801.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law, which went onto effect XXXX XXXX, 2017, any public record data must include name and address as well as SSN and DOB in order for it to appear on my credit file. As seen from my attachments, the credit bureaus have not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 in ( MONTHS REPORTING LATE ) 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

There is a Credit Inquiry added by Credit Technology or XXXX XXXX as of XX/XX/2020 which i didn't authorize. Please kindly investigate and get the inquiry removed from my report. Please let me know if my personal information got compromises in any manner, so i can take action needed. 
Thanks!!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation, I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account name : XXXX XXXX XXXX, account number : XXXX ). In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up, please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate, this is for the late payment reported as of XX/XX/XXXX. 
For the record, this account and the late payment reporting of XX/XX/XXXX is disputed. 
Note to XXXX and Equifax, this account has been disputed earlier this year several times and I am disputing the late payments reported on XX/XX/XXXX to my credit reports. 

I have disputed the account with XXXX XXXX as both XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and dealership XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX located in XXXX, CA fraudulently created a second unauthorized retail installment sale contract dated XX/XX/XXXX, and forged a signature purported to be mine that they are using to enforce the alleged auto loan, but I never consented or had knowledge of this fraudulent contract. They created this fraudulent contract for financial gain so they could securitize the contract and receivables and sell it to a Trust entity so they could sell it on the secondary market/stock exchange while never providing me any monetary consideration. 
I sent them a 12 CFR 1026.13 and 15 USC Section 1666 notice of billing error dispute for the entire account, my account was in good standing and paid through XX/XX/XXXX, but when I learned that both parties were using the fraudulent and forged unauthorized contract dated XX/XX/XXXX to enforce the alleged auto loan they never funded, I started to withhold payments as of XX/XX/XXXX provided by the law and because we are in active litigation in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and appeal with the XXXX XXXX XXXX XXXX XXXX XXXX where all evidence and documents are filed with both courts. you can view and download all case files from pacer.gov XXXX XXXX reported false derogatory information about the account being late as of XX/XX/XXXX and XXXX, XXXX, causing irreparable harm to my constitutional rights, liberty interests, reputation and financial stability, creditworthiness and have been harassing me and I am afraid for my life. I have reported them to the police, FBI, Federal Trade Commission, DMV, and other agencies, but XXXX XXXX and XXXX do not want to abide by the law. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX # XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX BV XXXX XXXX CA XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$42000.00}, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

For two days Ive tried to unfreeze my account. First day on hold for XXXX minutes and having to press # XXXX on the phone every XXXX seconds. This action stopped you from doing any other kind of work while you're waiting on hold. 
No answer so I opted to press # XXXX for a call back, no call back for over XXXX hours. 

Second attempt today, same thing, have been on hold for XXXX minutes pressing # XXXX on the phone to remain on hold. No answer. I see this punishment of pressing # XXXX will work for many who are at work trying to unfreeze their credit reports.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent letters out on XX/XX/2021.Huge violations are being broken by reporting inaccurate information on my consumer report.
Product: Vehicle loan or lease

Santander Consumer USA failed to accurately report payments made on the loan. The company charged off my account, repossessed my car and did not allow me to pay a fee to get my car back. They told me I had to pay the full original amount of my loan. 

Due to the pandemic I had some financial troubles and my account was noted affected by natural disaster from XXXX XXXX.The company violated the CARES ACT which requires that lenders continue to report the account as current : " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the account as CURRENT. My account was in good standing prior to this. During the pandemic I still was made payments however the company failed to report the payments as a whole or inaccurately reported the payments keeping my balance the same.

I disputed the inaccuracies and the company failed to accurately update the i
nformation that they reported to the credit bureau 's. Santander Consumer USA violated the 15 USC code 1681eb, the Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibition against unfair, abusive, or deceptive acts and practices such as sloppy record keeping, carelessly reporting inaccurate balances, and illegally repossessing automobiles due to negligence of inaccurate record keeping. The Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are requires you to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified
Product: Checking or savings account

XXXX XXXX XXXXXXXX still reporting to Early Warning that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to Early Warning. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a lot of Hard Inquires on my credit report. which I don't know about. 
XXXX 5 times on report, XXXX 2 times, XXXX 2times, I don't know if someone is try to get credit on my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. However I have sent several letters requesting that XXXX, XXXX  and Transunion remove the XXXX  XXXX XXXX Mortgage account due to their failure to verify the accuracy within the 30 days. I then sent a follow up letter requesting validation of accuracy of this account and still the account is inaccurate and my rights are being violated. The XXXX  XXXX XXXX account is reporting that my payment history was " ok '' from XXXX until now, however look at Transunion report and they are reporting me as 120 days delinquent in XX/XX/XXXX, on XXXX  they are reporting me late from XX/XX/XXXX all the way up until XX/XX/XXXX! If the credit bureaus were taking my disputes seriously actually verifying the accuracy of this account, then why are the 3 credit bureaus reporting three drastically different payment histories. 
I am tired of being bullied by these credit bureaus and them not following the FCRA guidelines. Its unfair and causing me extreme emotional distress. Please help with removing this account from my credit files.