23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

From XXXX no one has been able to provide two things that I need for the validity of repayment and what I am owed back since this has been active for over 20 years, and many items have been lost or poorly managed. 
I need a breakdown of ALL my INTEREST and PAYMENTS made from XXXX ( lost documents ) I can not be treated fairly in this process regarding XXXX XXXX changes if all of these companies keep denying me the information I request. 
This, too, will be sent to the XXXX XXXX.
Product: Credit reporting

Experian has reported incorrectly a judgement that I have satisfied as still owing. This information has hurt my ability to get new credit and need them to update my report. I have tried through other means ( XXXX XXXX ) to have it removed or to have it show as " satisfied : or " paid ''. 

Please help! 

Respectfully ; XXXX XXXX XXXX
Product: Debt collection

I received a notice of collection from Nationwide Credit and Collection , Inc for {$40.00} on behalf of XXXX XXXX  XXXX XXXX. The debt has already been paid to XXXX XXXX  XXXX XXXX via their online payment processing system. A formal dispute letter was mailed to Nationwide Credit and Collection , Inc on or around XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX paid and closed on report. I paid more than the balance stated. I paid the amount of {$300.00} to XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ). I told XXXX XXXX to send a dispute or letter to resolve and have this removed off of my report with all credit bureaus once I pay the amount to resolve. When I saw that nothing was resolved I disputed it off of my credit report. However, it still is not fixed.
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. 

Account Name : 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  has violated my rights. Or list of inquiries 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 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

I have a creditor falsely reporting delinquent account and late payments every month, even though they agreed to a settlement and the terms of the settlement are being met with my monthly payments in full and on time. I called them and tried to get them to report correctly but they said they will continue to report payments late each month, even though I am making all payments on time and in full each month.
Product: Debt collection

I recently checked my credit profile with all the credit bureaus and discovered that a parking ticket from XXXX was on my report and had been turned over to a collection agency called Innovative Collection services. At this point I knew I had never been to XXXX and it was not a car that I own. The license plate and the model of car is not owned by me. I then sent Innovative Collection Services a certified letter requesting verification of this debt that was entered on my credit profile. I received a response from the collection agency way pass the 30 days required to respond. I finally received a collection letter ( see attached ) stating that this does n't apply to the fair Debt Collection act because this is a fine. How crazy when they are stating they are collecting a debt. Please assist and have this bogus company remove this unknown debt off my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I XXXX XXXX submitted some accurate documentation to the Credit Bureaus are continuing to report inaccurate information to my credit profile.I have two account that are being reported as late and I've never been late on any of my account. I will up load documents to support the above statements. These account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I did my dispute with the credit bureaus for one late that was reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the bureaus went into my credit profile and reported additional inaccurate fraudulent activities on my credit profile.
Product: Credit reporting or other personal consumer reports

: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and FCO etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Product: Mortgage

IN THE YEAR OF XX/XX/XXXX I PURCHASED A HOME THROUGH THE Veterans administration.By time of the loss of my job i was under a financial crisis and paid XXXX towards my debt.After research called for the XXXX XXXX to find out why my filing had a different origination date.It was then confirmed that my information was not put into the Veterans XXXX XXXX base until XX/XX/XXXX XXXX i have had the XXXX different to try and Foreclose on my loan. My loan was sold and assign to XXXX XXXX XXXX XXXX XXXX XXXX XXXX by the date of XX/XX/XXXX the equity in my home of XXXX had been stripped. we are challenging the fact that the Promissory Note and the Security DEED has BEEN Bifurcated because there is no clean title whereas XXXX  was not the entity who administrated the task. I filed a complaint with CFPB and it took the bank over 30 days to reply. I then received a response by a resolution XXXX by the name of XXXX XXXX from the cfpb case # XXXX which stated that their legal counsel to respond directly to my legal counsel XXXX XXXX spoke to my counsel and the next notice that was sent was an accelerated foreclosure notice for XX/XX/XXXX. In our Mortgage Audit it was declared by the Expert Witness XXXX XXXX  that fraudulent activity is prevalent and the supposed owner has to carry the burden of proof that the promissory note and the security deed are still together and available to XXXX XXXX XXXX and XXXX XXXX XXXX as XXXX XXXX IS DEFINED AS REAL PROPERTY NOW AND WE DECLARE TO BE THE OWNERS OF A CLEAR AND FREE TITLE IN XXXX WE TRUST ROMANS XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After looking over my credit report with the reality company i noticed that there is an account I do not recognize from XXXX XXXX XXXX XXXX XXXX I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true
Product: Credit reporting or other personal consumer reports

I tried to upload another copy of my legal name change from XXXX XXXX XXXX XXXX XXXX XXXX several times to Experian and the copies did not go through. I need to have my prior name of XXXX XXXX XXXX added as an AKA XXXX XXXX XXXX, so that my years of prior credit history will show on my credit file. They did correct some of the issues on my previous complaint, but didn't correct this issue of adding the XXXX XXXX XXXX XXXX. XXXX and XXXX made the proper changes and are showing my extensive prior credit history, but Experian has failed to correct this issue for many years. I'm attaching a copy of the Name Change documents and I'm requesting that Experian add the AKA XXXX XXXX XXXX to my credit file. Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXX but it finally was deleted. In may of 2018, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with XXXX ).
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
1. Validate Account DEPTEDXXXX Account Number : XXXX Please ensure that all information is accurate 2. Validate Account DEPTEDXXXX Account Number : XXXX Please ensure that all information is accurate Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Goo day, In regards to my credit an error has been created due to XXXX XXXX  credit reporting or FNB bank of Omaha. 

On the XXXX of XX/XX/2020 my credit report was correct. On the XXXX of XXXX my credit report showed from FNB bank an account that my account was closed and a new account opened with no activity on it. 

That error dropped my score 115 points. 
Previously I paid off accounts and paying on accounts to establish my credit worthiness. 

The errors are now taken off my credit report but my score is still down 100 or more points. This issue is effecting me due to someone error. XXXX XXXX b lame FNB and FNB blamed XXXX  for this error. 

Attached are documents to reference my claim. Please can someone assist me in this issue.
Product: Credit reporting

equiifax is reporting inaccurate information. They show XXXX, XXXX as current collections. All these accounts were paid & the companies agreed to remove them when they were paid. They classified it as a paid for deletion. All these accounts should have been removed in the most recent dispute with the company. I 'm not sure what steps they took in verifying these accounts but it looks like me they did n't contact the companies ... they just checked to see if my information matched their records ... this is a gross violation of the FCRA. I called them on the phone to inform them of the issue & they claim they do n't have any way to verify any account which a company has agreed to remove. They told me to contact the company ... my first question is how does a company know this information is 100 % accurate without communicating with the company directly? There are too many possible errors which can take place & my federal rights are not being protected ... I need all XXXX of these accounts to be removed at once. Here is the list of the accounts - 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 a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), XXXX, and SYNCB/LOW. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), XXXX, and SYNCB/LOW with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I checked my credit score and discovered that a debt collection company called Kinum claimed I owed {$110.00}. I have never heard of this company, have never received any communication written or verbal from it, and have no idea what company claims to be owed. 

I believe this to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and am considering all options, including a class action lawsuit.
Product: Credit card

This credit card company has been notified and knows there is a billing dispute. They have not done anything to correct the issue and they continue to violate the credit card rules and regulations. The balance and charges they currently show do not belong to me and not we 'd to be removed. They are reporting incorrect and negative information on my credit file
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent account on my reoprt and upon submission, XXXX and XXXX removed the said account on their records. I also contacted the bank associated with this account and they said they have removed the accounts, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. Please DELETE the account : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received a hard inquiry on my credit from One Main Financial. I did NOT apply for any loan or authorize them to run my credit. I called them directly and they said they dont see an application with my name. I called XXXX and XXXX who both suggested I contact You to report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have sent the FTC Report and disputed with Credit Bureaus. I also contacted the company letting them know this account was open fraudulently. This account was open during XXXX XXXX. This company can't give any verification that I open this account. 
Addresses, Phone number is incorrect. This account was previously deleted from credit due to fraud. This account is charge off and written as loss.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

The report shows I currently owe money to your company that I have already repaid. 

o The date of first delinquency on my report is not accurate. 

o My student loan shows a period of delinquency when I was actually in an income-driven repayment plan.

o Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Product: Credit reporting or other personal consumer reports

They have Incorrectly posted multiple late payments on my report for open and closed accounts : Open accounts : XXXX Closed accounts : XXXX XXXX XXXX - When I requested proof i was late, it was never provided and credit report not updated. I have never made a late payment in my life so this report is inaccurate and Id like the file updated to paid on time respectively. Especially the car loan which was paid off completely they didn't report for over 8 months then all of a sudden i had a handful of late payments leading up to paid in full. These are ALL inaccurate. I need everything removed and fixed please.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent Inquiries on my Transunion and Equifax credit report : XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX Inquiry date XXXX XXXX.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX I went to check my account the following day on XX/XX/XXXX to check if my paycheck went thru to which I received the message I was locked out of my account and it was under review. I called them to which they said they put a security hold on my check until the XXXX I waited until the XXXX to access my check and it was still unavailable, I couldnt log into my account still. After walking into a citizens branch to try to resolve this the bank teller gave me a customer service number and then I ended up spending about XXXX minutes on the phone with them again they told me they couldnt help me for about the XXXX time Ive called and so here I am writing this report.
Product: Debt collection

I have a previous complaint and dispute with XXXX XXXX XXXX with a fraudulent debt collection attempt in the amount of {$910.00}. 
This account was sent to debt collection agency XXXX XXXX XXXX. 
I submitted to them my identity theft affidavit and they recognized this and closed the account and ceased collection on it due to the fraudulent nature of original creditor XXXX XXXXXXXX XXXX 
Now I have the same debt being pursued by LVNV funding LLC. 
Again, this account was reopened fraudulently by XXXX XXXXXXXX XXXX and I am not responsible for this and have all the documents to support my claim. 
I am asking LVNV funding to recognize this debt and immediately cease and desist and remove this collections account. 

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

I am a victim and Survivor of XXXX XXXX XXXX XXXX XXXX and XXXX in Persons. Please see all enclosed forms as Evidence according to Federal Regulations and remove all requested information from the consumer report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see paragraph 6, on this uploaded motion presented to Puerto Rico US Bankruptcy Court by XXXX XXXX XXXX ( XXXX ). 

Here XXXX indicates to the court that debtor ( me and my ex wife ) as of XXXX XXXX we were in arrears by 71 payments. Therefore if you subtract 71 months from XX/XX/XXXX, XXXX, it will bring the delinquency to XXXX XXXX. 

Experian is reporting this account as First becoming delinquent on XX/XX/XXXX. This is incorrect as it then would have been only 43 payments in arrears from XX/XX/XXXX, not 71. 

Therefore this account have been reported longer than 7 years from when it first became delinquent. XX/XX/XXXX and is in violation of 15 USC section 605 ( 4 ) Please order XXXX to remove this account from my Experian report and permanently STOP further reporting this account to any Credit bureau.

Respectfully XXXX XXXX XXXX XXXX