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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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: Checking or savings account

There was {$810.00} deposited to my checking and I transfer that to my savings account which brought it up to XXXX the next Chase took the money from account and is advising that it was my fault due to transferring the money and now they would not give me the money they took from my savings I did give them any authorization to withdraw the money
Product: Debt collection

Subject : Urgent Complaint Against XXXX XXXX XXXXXXXX for Illegal Debt Collection Practices and Inaccurate Credit Reporting To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX  a debt collection agency based in Utah, for violating multiple federal and state laws related to debt collection and credit reporting. This matter is urgent as it is causing me significant financial harm and undue stress. 

Summary of the Issue : XXXX XXXX XXXX inaccurately placed a derogatory mark on my credit report, claiming I owed a debt that I do not. When I requested debt validation, they sent me a letter stating that they contacted the original creditor, who confirmed that I did not owe the debt. Despite this confirmation, XXXX XXXX XXXX have failed to remove the inaccurate information from my credit report as promised in their letter. They stated the mark would be removed by the end of the month, yet we are now in 2025, and the derogatory mark remains. 

This delay and inaction are unacceptable and have severely impacted my creditworthiness, limiting my ability to obtain credit, housing, and other essential financial opportunities. I have attached a copy of the letter from XXXXXXXX XXXX XXXXXXXX acknowledging that the debt is invalid and promising to remove the derogatory mark.

Legal Violations : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibits false or misleading representations. By failing to promptly correct the inaccurate debt after acknowledging its invalidity, XXXXXXXX XXXX XXXXXXXX have engaged in deceptive practices. 

15 U.S.C. 1692f : Prohibits unfair practices. Their inaction in removing the invalid debt from my credit report constitutes an unfair practice.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Requires furnishers of credit information to provide accurate data. XXXX XXXX XXXXXXXX failed to ensure the accuracy of the information they reported to the credit bureaus. 

15 U.S.C. 1681i ( a ) : Requires prompt investigation of disputed information. Their failure to promptly correct my credit report after verifying the debt is invalid violates this provision. 

State Licensing Laws XXXX XXXX XXXX is not licensed to collect debts in the state of Louisiana, as confirmed by the XXXX  Consumer Access database ( XXXX XXXX XXXX XXXX. Their attempts to collect a debt without proper licensing violate state laws governing debt collection activities. 

Financial and Emotional Impact : The inaccurate derogatory mark on my credit report has caused the following : Denial of credit applications, resulting in lost opportunities.

Increased financial strain due to higher interest rates on existing accounts.

Emotional distress and XXXX due to the ongoing unresolved issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER
REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

XXXX XXXX XXXX have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Product: Credit reporting or other personal consumer reports

I have already brought this matter to XXXX, EXPERIAN AND XXXX. attention However, THEY have failed to take appropriate action to investigate and delete inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 U.S. Code 1681n. 

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 Impact of Noncompliance : Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit score : Resulting in the denial of credit or higher interest rates. 
Emotional distress : Caused by the negative impact of inaccurate credit reporting. 
Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. 
My Demands : In light of the harm caused by your willful noncompliance with the FCRA, I am requesting : Immediate removal of the inaccurate information that your company is reporting to my credit.

If you do not remove these accounts, I will be forced to sue You should also know that I am keeping a record of all communications relating to this matter including this letter. Should the issue not be resolved within the statutory period, I reserve the right to pursue legal remedies.15 USC 1681n - Civil liability for willful noncompliance Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary.
Product: Student loan

My loans were consolidated six in all at supposedly 2.2 percent on a 10 year loan. I paid on time for 10 years with a 2 year deferment while I went bankrupt. I looked to see if I could pay of the remaining balance because it should have been close to payoff. Instead the balance was unchanged. I challenged AES about the balance and they sent me documents that showed the interest rate at 7.25 percent which I never signed for. The documents contain very little information and no terms and conditions and the signature at the end is a supposedly electronic signature but there is no way I would have signed those documents. This ends up being like a 50 year loan. They must have had the terms and conditions at some point in order to set up a legal repayment plan. I believe it is a clerical error on their part and then they fraudulently forged document to cover their error. The documents provided meet no legal standards, it doesn't contain any identifiers doesn't say the lender doing the loan and mainly it says I was unemployed which I in no way was. They didn't have my employers information so they put unemployed which right there tells me it was altered not to mention the other things altered. Is seems pretty likely that AES altered the paperwork because they would have had to know that this payment plan would take 50 years and would not meet Federal Student Loan Guideline. If they did not know this loan was wonky then they should not be a student loan servicer.
Product: Credit reporting or other personal consumer reports

Hello XXXX I asked Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX  XXXX # XXXX 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.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up filing of a complaint to my previous complaint last XX/XX/XXXX, to block or remove the items that are misleading or fraudulent in my file. 
Please Block or remove these items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to address the ongoing issue regarding the account restriction on my Capital One Quicksilver Secured credit card. As a responsible and dedicated cardholder since XX/XX/XXXX, I value the services provided by Capital One and have diligently maintained timely bill payments and kept card utilization at a minimal level. 

On XXXX XX/XX/XXXX, I received a notice informing me that my account was restricted and that I needed to provide additional identity verification documents. In response, I promptly submitted all the requested identification documents as instructed on XXXX XX/XX/XXXX. I can confirm that all the required documents were successfully uploaded and received on your end. 

However, on XXXX XX/XX/XXXX, I received a follow-up call from Capital One requesting further identification documents for XXXX XXXX, who is an authorized user on the same credit card account since XX/XX/XXXX. Specifically, Capital One requested XXXX XXXX 's XXXX driver 's license and social security number ( SSN ) card. 

It is important to note that XXXX XXXX is a citizen of the XXXX XXXX and entered the United States on a tourist visa. He possesses a valid XXXX driver 's license issued in Texas, a copy of which ( front and back ) was submitted to Capital One on XXXX XX/XX/XXXX. However, as a visitor to the XXXX, he is not eligible to apply for an SSN, and thus, does not currently hold an SSN card. I conveyed this information in a formal letter to Capital One dated XXXX XX/XX/XXXX, a copy of which is attached for your reference. Regrettably, I have not received any response from Capital One since then. 

In an attempt to resolve this matter, I contacted the hotline at XXXX on XXXX XX/XX/XXXX to follow up on the case. During the call, I was informed that I should provide the ITIN ( Individual Taxpayer Identification Number ) for the authorized user in lieu of the XXXX. Unfortunately, XXXX XXXX is not eligible to apply for an ITIN due to the same reasons as the XXXX. Once again, I explained this situation in writing to Capital One through a letter dated XXXX XX/XX/XXXX, a copy of which is also attached. 

Throughout this entire process, I have consistently inquired about acceptable alternatives to the SSN/ITIN as proof of identity for XXXX XXXX, considering the unique circumstances. I am more than willing to provide a copy of his XXXX visa issued by the appropriate XXXX authority or his passport as further evidence of his identity. However, Capital One has firmly insisted on the requirement of an SSN/ITIN, which I am unable to provide. 

Additionally, I have proposed the removal of XXXX XXXX as an authorized user if it would help resolve this situation. Unfortunately, I was informed that no changes can be made to the account while it remains under restriction.
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 Account numberXXXX Account name : XXXX XXXX  Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX  Account number: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 card

In XXXX I was XXXX and had to begin my rehab at the XXXX XXXX XXXX XXXX, XXXX XXXX, and Georgia XXXX of XXXX, GA. Prior to that I had a XXXX credit from which I was never later along with insurance coverage on the card if I was hospitalized or deceased. I was still making monthly payments prior before to the insurance company being notified of my health. When I was able to fill the paperwork the insurance company began my making my monthly payments. 

I was contacted by XXXX to verify my health and the information was provided by my Doctors from all that was handling my medical care, thereby relieving me of this debt annually until my health resumed. I was getting well be still under the doctors care, only to get XXXX XXXX XXXX and when I recover from that in had a XXXX, XXXX, XXXX, all in XXXX, XXXX, XXXX. I have been under doctor care at the VA XXXX XXXX and XXXX XXXX XXXX XXXX for the last 8 years and I am totally XXXX. 

I have despite this claim with XXXX from my credit report dated XXXX XXXX, XXXX confirmation # XXXX indicating that I never signed or open any financial credit card, loan, etc. account with Asset Acceptance Corporation nor have I any legal financial obligations with them. I stated this by letter to them in XXXX and filled out my dispute on my credit report XXXX, XXXX XXXX, an XXXX. According to my loan officer it only appears on XXXX. Asset Acceptance Corporation has continued to leave this fraudulent information on my credit report for years now and I want it removed immediately.
Product: Vehicle loan or lease

XXXXXXXX XXXX  repossessed my car, i file for an extention, and XXXX  XXXX relief, there not helping me. i need that car back, i need to have a way to work. im XXXX years old can not walk that good.
Product: Credit reporting or other personal consumer reports

I am disputing the XXXX XXXX XXXX XXXXXXXX collection account on my credit report, which incorrectly shows a past due amount of {$2000.00} as of XX/XX/year>. The original creditor is listed as XXXX XXXX XXXX XXXX, and I have never received any documentation or verification to substantiate this debt. 

In XX/XX/year>, I initially disputed this account, and it was updated in XX/XX/year>, but the information remains incorrect and unverifiable. I believe the reporting of this collection account is either inaccurate or outdated, and it is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX   XXXX.
Product: Debt collection

On or about XX/XX/2023, I received a letter from Audit & Adjustment Company , Inc. stating that I owed two medical bills to XXXX XXXX. The debts was sent to collections because my insurance had not been properly recorded at the time of billing. I contacted the debt collector and informed them that I would be in touch with XXXX with my updated insurance information. My insurance benefits paid XXXX on XX/XX/2023. I then received a call on XX/XX/2023 from someone claiming to be with the Audit & Adjustment Company , Inc. I informed them that my insurance had paid on the bills, but that I would need to call later to discuss details. I made an effort to call Audit & Adjustment Company , Inc. back on XX/XX/2023, at XXXX PST. I spoke with someone named " XXXX. '' XXXX falsely claimed that she worked at XXXX, misleading me as to who I was speaking with. She falsely claimed that XXXX did not have any record of my insurance benefits paying the bills. After insisting that she work for XXXX, XXXX insisted that she needed me to specify my insurance benefit payments in order to " credit '' my XXXX account. I asked XXXX why, if she worked for XXXX, she did not have access to my insurance payment history as outlined in my explanation of benefits. XXXX responded by informing me that I was required to give her that information myself in order to credit the payment. I became wary, feeling misled and deceived. XXXX told me that she would " note my refusal '' in my file, making me feel uneasy and like I'd done something wrong. I promptly called XXXX and they confirmed that they did receive my insurance 's payments for both bills, and that XXXX does not in fact work for XXXX. XXXX gave me a reference number regarding their attempt to relay the updated insurance information to Audit & Adjustment Company , Inc., so I called Audit & Adjustment Company , Inc. back with that information. I spoke with someone and they confirmed that XXXX did not work at XXXX, and that they would take steps to square away my account. 

Claims : Audit and Adjustment Company , Inc. 's employee XXXX engaged in false, deceptive, and misleading representations and engaged in false, deceptive, and misleading collection means when she : ( 1 ) claimed she worked at XXXX and used XXXX 's name to identify herself rather than Audit & Adjustment Company ; ( 2 ) told me XXXX had no record of receiving payment from my insurance ; ( 3 ) claimed that I was required to provide her my explanation of benefits and insurance payment information in order for the payment to credit my account with XXXX  ; ( 4 ) told me that declining to provide certain personal information, including my personal insurance information, resulted in a " refusal '' to be recorded in my file.
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. 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. 

PLEASE DELETE THESE ACCOUNTS XXXX CARD ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with XXXX and Experian in regards to different addresses that are on my consumer report that I have never once lived at. I even provided them with my address and it was never updated. It shows me that they are not checking the information like they should be doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Security breach.

2.XX/XX/XXXXXXXX XXXX -I spoke with XXXX/Equifax. She said the flag on the port alert will be removed within 48 hours. Equifax call back number : XXXX. Confirmation number XXXX.

3. XX/XX/XXXX - The Equifax control number XXXX  has been closed. However the fraud alert is still active and can not be removed without written notification. This process is holding up my mortgage loan application from being approved per my load officer at XXXX XXXX XXXX.

4. Because of number 1 above. How do I remove my profile information from the Equifax database? I have major trust and customer service issues and their inability to resolve my issue ( removing the fraud alert at my request ) with this organization.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT ONLY ARE THE INQUIRIES FRAUDULANT AND WAS NOT PERMITTED BY ME HOWEVER THE CREDIT BUREAUS, XXXX, XXXX, XXXX, CHEX SYSTEMS ARE IN VIOLATION FOR REPORTING IT WITHOUT VERIFYING WITH ME FIRST.
Product: Consumer Loan

Purchased a XXXX XXXX in XXXX of 2012, I had n't had the vehicle 6 months and the motor went out in the vehicle. I contacted my finance company to advise them of what had transpired and due to the fact of not having the vehicle long. What where my options for the remaining balance on the loan I had taken out. I spoke with multiple representatives and finally was advised to get an estimate on the motor. They wanted to see if the cost of the motor exceeded the value of the vehicle. I obliged, visit a mechanic and was advised by then the motor would be worth more than the vehicle, due to the fact the vehicle was XXXX XXXX XXXX. I submitted all proper documentation to United Auto. I then began getting the run around for about 60 days. Every time I made contact with the representative I was dealing with, he would state call back tomorrow he would have an answer. Then it turned into he 's not in the office, I would be transferred to someone else they stated he was the only person I could speak with. Finally they advised the representative no longer was in that department and they could do nothing for me. I would have to come up with the full balance or they would deem it as a repo, and place it on my credit. I then inquired could I pay a smaller portion to avoid it being placed on my credit, they stated I would have to give them XXXX and it would n't be placed on my credit. Mind you at this point, I 'm out of a vehicle, it 's now past XXXX and I had purchased another vehicle within that time frame. I stated this was n't right could this matter be escalated? They stated no, my father intervened and they gave him the run around as well. By this time they had already filed a repo and placed it on my credit. This