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

Aspen National Collections  (   XXXX   XXXX ,  Manage  r )  sent collection letters on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX , I disputed on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  by fax. 8 months later on  XXXX / XXXX / XXXX , Aspen reported to    XXXX   {$2200.00}  ( ori ginal creditor :  XXXX   XXXX  {$1600.00} plus {$570.00}  Aspen  fees 35 % of original balance ). I disputed to  Aspen an d   XXXX   on  XXXX / XXXX / XXXX , requesting to remove collection from  XXXX .  Aspen r efused to remove, I disputed again on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX ,  XXXX   XXXX  at Aspen sent me a letter stating his " client has no access to the contract you signed '' ; therefore, he is unable to prove he can charge collection fees in the amount of 35 % which is a violation of the FDCPA. Aspen is unable to provide payment history regarding statute of limitations because NO payments have been made. I disputed again with Aspen on  XXXX / XXXX / XXXX . Aspen is incorrectly reporting to  XXXX  that this is a new account opened on  XXXX / XXXX / XXXX  and incorrect original balance of {$2200.00} ( original creditor alleges balance due is {$1600.00} on  XXXX / XXXX / XXXX  ). I dispute debt in its entirety ; however,  Aspen  is intentionally reporting incorrect balance due, incorrect original date of debt and can not provide Contract to prove they are allowed to charge excessive collection fees of 35 %. I discovered that  Aspen  incorrectly reported to  XXXX  when I was checking my score to get an auto loan. Because of Aspen, my score has dropped drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, BARCLAYS BANK DELAWARE and on XX/XX/2019, XXXX XXXX add a hard inquiries on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Consumer Loan

THE BUSINESS WESTLAKE FINANCIAL A CA ' COMPANY HAS NOT REPORTED MY ACCOUNT AS PROMISED
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate information on my credit report. Its has been well over 45 days and I have yet to receive an updates or investigation results. I feel like I am being taking advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. it has been well over 45 days so I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax Credit Reporting Re : Hard Inquiry. 

Dear Sir / Madam, During the review of my consumer credit report recently, I noticed 2 hard inquiries placed in my consumer report by XXXX XXXX XXXX on XX/XX/XXXX, and anther by XXXX XXXX on XXXX which is ( 31 DAYS ) which is a violation according to CFPB. 

According to CFPB publication of XX/XX/XXXX, title WHAT HAPPENS WHEN A MORTGAGE LENDER CHECKS MY CREDIT, the agency stated that WITHIN 45 DAYS WINDOW, MULTIPLE CREDIT CHECKS FROM MORTAGE LENDERS ARE RECORDED ON YOUR CREDIT REPORT AS A SINGLE INQUIRY. PLEASE SEE CFPB PUBLICATION ATTACHED TO THIS COMPLAINT. 

Please, kindly remove the above-mentioned hard inquiries from my consumer report because you are in violation of CPFB rule.
Product: Credit reporting or other personal consumer reports

A collection account was on my credit report with all 3 bureaus, it was an invalid collection that does not belong to me. I disputed it, and it was removed from all three credit bureaus. Recently, the same collection came up, but under another company name, so it was clearly bought out by another collection agency. I disputed it with Experian, however they came back and said it was invalid collection. So I disputed it again, explaining that the collection had already been removed once for being invalid and not belong to me and has now been added back again. That dispute came back listed as updated however, nothing had actually changed. This collection account is harming my credit score and does not belong to me. I have requested for a third time to dispute the collections, accuracy, and validity. I feel that Experian is not actually investigating this collection account, and is allowing this company to harm my credit erroneously. Please assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/17, XXXX XX/XX/17, XXXX XX/XX/17. How is that accurate? 

There should be no past due on a charged off/closed account yet Experian lists a past due amount of {$350.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate. 

This account is charged off and should not be listed as revolving. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Product: Credit reporting or other personal consumer reports

I disputed an account on my consumer report. I requested that disputed information results from the creditor be sent to me and never received anything.
Product: Credit reporting

I am filing this complaint because my requests have been ignored by Equifax. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

American Education Services Have repeatedly put disputed credit on my report after they were informed not to put anything until a resolution could be possible through an attorney. They place it 4 times with no owed money, just killing my credit.
Product: Credit reporting or other personal consumer reports

EVERY time that I have called someone at that company, they are NEVER helpful. I want to turn the page on this matter already. I DON'T KNOW WHAT EXETER FINANCE IS. I SIMPLY WANT/NEED THIS INQUIRY TO BE REMOVED FROM MY CREDIT PROFILE. SPECIFICALLY -- -- -- -- -- A PERMISSIBLE PURPOSE LETTER SENT TO ALL 3 BUREAUS.
Product: Credit reporting or other personal consumer reports

Names Incorrect : XXXX, XXXX, XXXX NAME CORRECT : XXXX XXXX XXXX Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX XXXX  Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXXXXXX XXXX XXXX Account XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account number : XXXX Please update the status of this account to " paid on time '' Unauthorized inquiry XXXX XXXX XXXX Date XXXX XXXX XXXX!! 

Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX Delete!! 

Unauthorized inquiry XXXX credit bureau Date of XXXX Delete!! 

Unauthorized inquiry XXXX auto finance Date of XXXX Delete!!
Product: Debt collection

I sent 2 debt verification letters XXXX 2021 allowed over 30 days for a response and the Fidelity XXXX never sent verification of this debt.
Product: Checking or savings account

I received a check from the company I work for, XXXX. They utilize ADP for payroll and for the past couple of weeks they had been direct depositing my paychecks into my checking account. However, I received a paper check today and decided to deposit it into my account. Now, I am being subject to a 14 day hold even though I have deposited other checks and had them clear sooner. This is extremely annoying and is one of the reasons I am looking to switch banks.
Product: Credit reporting or other personal consumer reports

XXXX states an account is mine but contacting them several times this year, I have found incorrect information. The address of the account is not mine and they illegally updated the address to my correct one. The address according to customer service that opened the card is in XXXX whereas I am in XXXX. 

The credit reporting agencies are also reporting inconsistent data ( see attached ) and I have been working with them to get this removed as well and they refused. 

No one has sent proof outside of statements that show no signatures.
Product: Credit reporting or other personal consumer reports

In response to my formal dispute letter sent on XX/XX/year>, regarding inaccurate and/or fraudulent information on my credit report due to the XXXX XXXX XXXX, I have not received any resolution within the man

dated 30- to 45-day period under the Fair Credit Reporting Act ( FCRA ), 1681i. One of the disputed items includes a n
egative entry from XXXX XXXX, account number XXXX, which I believe to be fraudulent. I provided supporting documentation, including an FTC Identity Theft Report, to demonstrate that this account was opened or used without my authorization. 

As no action or response has been taken to verify or resolve this matter, the FCRA 1681i ( a ) ( 5 ) ( A ) requires that this account and all associated negative information be deleted immediately. 

I request the prompt removal of this and any other unverifiable items listed in my original dispute letter. Additionally, please confirm the corrections in writing as required by law. 

Thank you for your attention to this matter.
Product: Debt collection

Barrclay 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 7+ months of calling and writing XXXX Experian and XXXX requesting them to investigate, update, modify, and or remove the inaccuracies on my credit reports, and also filing a complaint with CFPB on XX/XX/XXXX with DOCUMENTATION proving the inaccuracies and the FCRA laws they were violating, they recently notified me that they have completed their investigations and Verified In Writing while attesting to the FACT that the information contained in my reports were Valid and Accurate. 

Well, I have documentation that the information in my credit reports are STILL Inaccurate, Outdated, as well as in violation of the FCRA. 

Under 15 U.S. Code 1681i of the Fair Credit Reporting Act, The Treatment of Inaccurate and Unverifiable Information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; If a thorough investigation was completed and the information supplied by the data furnishes was accurate, why do my credit reports reflect INACCURATE information on the same accounts yet reported to different Credit Reporting Agencies? 


XXXX XXXX XXXX XXXX Auto Loans Acct # XXXX ending in XXXX and XXXX : Dates of Last Payment, Dates Last Active Payment History Differ at XXXX and Experian. Also on XXXX Experian reports CURRENT and XXXX reports Late 30 Days. 

These accounts are Joint with my wife XXXX and found to be Inaccurate and Removed from XXXX! 

XXXX XXXX XXXX Account # XXXX Amount {$8800.00} Date Last Active and Date of Last Payment both differ at XXXX and Experian. Experian shoes CO Charged off XX/XX/XXXX but reporting as as an Open Account Late 180 Days at Experian and Late 120 Days at XXXX?! The date the account was opened is incorrect. To prove this the original creditor is listed on my XXXX Report ( which I am attaching ) which reflects the Date opened to be XX/XX/XXXX in the amount of {$8800.00}. and it is being reported as XX/XX/XXXX. Which is further grounds for removal As Aforementioned, My Rights have been violated and Ive suffered denials to extensions of credit, higher interest rates, and financial hardship due to these inaccuracies reporting on my credit and NOT Afforded a Fair and Accurate Credit Score. 

Furthermore XXXX and Experian have ALSO Improperly used my credit report and have violated the FCRA because 15 U.S.C 1681 Section 602 A States I have a Right To Privacy. 

15 U.S.C 1681 Section 604 A Section 2 States : A Consumer Reporting Agency can not furnish an account without my written instruction. 


There has been ample opportunity for the data furnishers to modify, update, correct, or Remove the inaccuracies they have reported so further attempts to modify or update violate the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Over ninety ( 90 ) days ago, I disputed the following account on my Experian credit report : XXXX XXXX XXXX XXXX account number XXXX. As shown by the attatched screenshot from Experian '' XXXX credit monitoring, as of today XX/XX/2023 this account dispute has violated FCRA by far exceeding the allotted time by law to complete its dispute process. Remove the stated account from my credit report immediately or face civil liabilities and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXXXXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

XXXX reaching out to address a pressing issue regarding the reported late payments on my account. After reviewing my records, I can confirm that the payments were always made on time and as agreed. The late payment claims are inaccurate and do not reflect my payment history.
Product: Checking or savings account

I opened an account XX/XX/XXXX, with Citizens Bank because there was a promo going on, I made sure to have the promo code entered when I signed up for the account. The promo code offered me {$300.00} for receiving a direct deposit of {$500.00} or more within XXXX  days. I received a direct deposit from my employer on XX/XX/27 for {$510.00}. I've completed this offer in full and their terms state I was supposed to receive my bonus by XX/XX/XXXX but I still have no {$300.00} bonus posted to my account.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.
Product: Credit reporting or other personal consumer reports

There are hard requests on my consumer reports. That information was transferred, shared and, or sold without my consent.
Product: Debt collection

Plaza Services LLC repeatedly contacts me looking for a person who is not me. I have asked them to stop, and have no resolution.
Product: Credit reporting or other personal consumer reports

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 
Your agency is in violation! 
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.

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXXXXXX XXXX XXXX Incorrect Current Address - XXXX XXXX XXXX XXXX  NJ, XXXX Incorrect Previous Address ( es ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX Listed below are the Inquiries that are being challenged XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.
Product: Debt collection

Product Collect
XXXX XXXX XXXX XXXX XXXX Texas XXXX

Is attempting to collect   $XXXX for XXXX XXXX XXXXs in XXXX Texas. I have informed the collection agency to stop calling me but they keep calling and harassing me.

I tried to settle this account with them over the telephone but they placed me on hold for over an hour.

Please advise 
 XXXX XXXX
Product: Mortgage

I am in active chapter XXXX bankruptcy. Bayview refuses to provide any information about my loan ( distribution of funds, current balance, payoff amount ). <P/>I have several prospective buyers for my house, but can not discuss offers without knowing the payoff amount. Bayview said they will only provide that information to my attorney. <P/>My attorney sent a request to Bayview last week, but to date there has been no response. <P/>I am concerned that I may lose a prospective sale due to Bayview 's lackadaisical attitude and notoriously terrible customer service. I am trying to sell my house so I wo n't have to deal with this useless company ever again.
Product: Debt collection

Hello, The debt collection agency is attempting to collect interest on a debt in which the originally debt/ contract ( it is housing ) does not have debt. I have reached out to them to get it resolved, they submitted proof that there is no interest on the originally contract but will not remove the interest. The debt itself is also not viable since I receive a pay or quit notice when rent was not even late and after I filed a complaint for unlivable housing conditions.
Product: Credit reporting or other personal consumer reports

I am writing to formally inform you that I am a victim of a data breach, which has resulted in the unauthorized use of my personal information to open fraudulent accounts and conduct unauthorized credit inquiries under my name. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all the accounts and inquiries listed below be immediately blocked and permanently deleted from my credit report.

Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

open ac cking acct t, acct was open, acct # given, debit card was given, active debit card, card was active. Ck status acct close, rec no ltr from bank on this, they cant tell you why at the branch or bank opr ctr. Had auto, cking with this bank never no problem, accts were closed in the pass good standing, all i can think of chase has to give me inst of XXXX on auto loan, could this be cause of that.