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

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states i have the rights to privacy 15 Usc 1681 Section 604 ; It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I just received a second letter ( XX/XX/2020 ) on a debt we have set up on a payment plan. ( XXXX Hospital ) We are in good standing with the debater. They are receiving and posting our payments to the account, but yet XXXX XXXX XXXX continues to try and collect on this same account.
Product: Debt collection

Account SECURITY CREDIT SERVICES # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX ASAP off my credit report or 1 will take legal actions.
Product: Credit reporting or other personal consumer reports

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. According to XXXX U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters. If it is determined that these accounts and inquiries were unauthorized, please remove them from my credit report without delay. 15 USC 1681a3 Additionally, please provide written confirmation with who completed the investigation and what verification method was used to verify accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX with Capital One Auto Finance is reporting as a charge-off on my consumer report. Per the 2021 IRS publication, any cancellation of debt over {$600.00} must be reported as gross income gained in the year that the event occurred. Income should not be reported on a consumer report. I have yet to be sent a 1099-C form for the cancellation of the debt. Delete this account from reports immediately as it is no longer considered debt, it is considered income.
Product: Debt collection

Asked spring oaks capital several times to remove item or verify I had personally signed contract with them and they would not verify and repeatedly sent same UNSIGNED documents over and over. Nothing ever had my own personal signature on it and nothing ever verified I had personally opened an account with them or any other entity.
Product: Credit reporting or other personal consumer reports

By 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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. Delete the accounts below : Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion Creditor Name : XXXX, Date of inquiry : XX/XX/year>, TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THESE ACCOUNTS ARE HURTING MY CREDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..
Product: Debt collection

To Whom it may concern, I recently challenged the validity of PRA ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. 
I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information 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  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Timeliness : My account shows a XXXX late payment for XX/XX/XXXX, XXXX late payment for XX/XX/XXXX, a XXXX late payment for XX/XX/XXXX, and another XXXX late payment for XX/XX/XXXX, despite my payments being made on time for each of these months. I have attached bank statements and payment confirmations that clearly show no payments were missed or delayed. 
Clerical Errors : There seems to be a pattern of clerical errors in how the payments were reported. The payment history across different months is inconsistent, and the exact dates of supposed late payments do not align with my payment records. 
Incorrect Reporting Across Bureaus : The late payment records differ between XXXX, Experian, and XXXX, which further suggests errors in how these were reported. This inconsistency violates the accuracy standards required by the FCRA. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have been approved from XXXX for mortgage payments. They advises they have sent XXXX and XXXX payment to my mortgage company and US BANK states they haven't received. I am approaching 71 days in default and no one can find these missing payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX a XXXX XXXX credit card was fraudulently opened in my name with a HARD INQUIRY on Transunion and the other XXXX agency 's. XXXX XXXX determined it was fraudulent and closed the account. 
We're now in the middle of XXXX and it's still on my report. Sent numerous letters to TRANSUNION and phone calls to be removed it still there
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Identity IQ on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX CARD XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit card or prepaid card

this is now the third complaint because they keep stating different things in the initial complaint XXXX they stated that my XXXX account ending in XXXX could stay open because it was opened after the original filling and the conversion to a chapter XXXX bankruptcy. then I filed another complaint stating that my XXXX , XXXX XXXX, XXXX account would follow the same as the XXXX 'XXXX account opened after the initial filing and the conversion of the Chapter XXXX bankruptcy. complaint # XXXX however you are now stating that is not since the account were open prior to the Bankruptcy yes they all were opened around the same time. XXXX was opened XXXX, XXXX XXXX XXXX XXXX, XXXX 'XXXX XX/XX/XXXXand XXXX XXXX XX/XX/XXXXso you can see all account were opened after the initial filing of the chapter XXXX bankruptcy. They are stating than they account ca n't be re-opened because they were opened after initial filing and then a conversion took place they need to be closed. However please note that you have conflicting information from one letter to the next. Being that the XXXX account was opened after initial filing and conversion. All accounts were closed/suspended at one time and then in XXXX I was informed to fax over discharge to show no accounts included and all accounts were re-opened after conversion so I am beyond confused as to why you are now telling they need to be closed. There were even credit line increase given after the accounts were opened in XX/XX/XXXX. If you feel that all accounts need to be closed because of the conversion please quit sending statements as I will than consider all accounts included in bankruptcy and stop making the payments.
Product: Credit reporting or other personal consumer reports

I went to try to purchase a home and was denied because it showed that I had an open collections with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) a property in the amount of {$9900.00} that was on my credit report in collections and an eviction. I have never stayed at this property nor have I signed a lease for the property. As I stated, i'm not sure who used my information, but it was fraudulently used to obtain this property, at the time I did not have a job so there was no way that I could have even afford this property if I wanted to. I've also received bills from XXXX XXXX  ( {$3800.00} ) as well as water companies/credit card companies and I've never had a home/apartment let alone a credit card. I stayed with family because I wanted to save up to buy a home. I've been at the same address for years, and I noticed other addresses on my report all properties that I never resided at. According to 15 U.S.C 1681 it is a defamation of character because I cant get anything let alone buy a home because of it and you guys continue to report false and inaccurate information on my credit report. I've reached out to credit bureaus such as ( Experian, XXXX, XXXX ) and I've also submitted my supporting documents in which I had to file identity theft because my information has been used by someone in whom I do not know to have this removed and not one credit bureau have yet to do a investigation, I only received the automated " This information is proven accurate ''. I have disputed it as well with third parties like XXXX XXXX, so if they have this information disputed how is it it being verified? I am disputing this account and requesting validation of debt. ( 15 USC 1692g Sec.809 ( b ) ). I am NOT requesting verification but I am requesting validation. I request that you provide me with evidence of the debt, including the results of your investigation. I have been battling with this for 3 years now and it is very troubling, I can not even get a place of my own because of it and this information is fraud and a defamation of character!!! After reviewing my credit report I must inform you that I am NOT responsible for the above listed accounts as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report which I have included for review. Please delete these accounts from my credit report immediately!
Product: Student loan

Weltman Weinberg and Reis is showing up on my credit bureau and they are claiming that they represent XXXX XXXX XXXX which was as loan provided by XXXX in 2005 that I claimed chapter XXXX on. The statue of Limitations is really up and XXXX XXXX XXXX is no where to found anymore. The attorneys office is just a collection company and they wont provide any info on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters out certified over 35 days and have been notified. I feel like these guys are taking advantage of regular people. After recently reviewing my credit report I noticed several inconsistencies regarding the accounts information attached. I sent a second letter to Experian after 30 days because I haven't received and documentation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$25000.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX  days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX 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 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 has violated my rights. Or a 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

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. 

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. 

15 U.S.C 1681 Section 602 A. States I have the rights 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

XXXX XXXX dont recall sending an application to this company for credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 2 student loans showing on my credit reports that are NOT mine! I believe they belong to my ex-wife and step son. I have NEVER authorized any loan nor did I ever sign any loan request paperwork. Would you please help me get this off of all 3 credit reporting agencies? Thank-You very much, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Credit Inquieries, Capital One reports that they conducted a Hrad Inquaiery on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I nevery request any credit with them, knwoing that this would hurt my Credit Score. They  refused to assist me with the removal of these inquieries.
Product: Checking or savings account

Capital one has seized my account for XXXX loan. Stating I did not qualify, I sent all documents ( tax forms ect ). Please note this loan has already been repaid. I submitted repayment letter as well. Capital one stated the are closing my accounts and sending my personal money to lender in which is no longer owned. I qualified for LOAN and FORGIVENESS. With same documents and tax forms I submitted to capital one in which deemed unacceptable but XXXX deemed acceptable and repaid the loan. I have included proof of repayment to lender. Loan is done and over with. In which I fully qualified for anyway!