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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The company has failed to properly investigate the items below and I asked for specific guidelines during the investigation. It is past 30 days and I would like the accounts removed. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( equifax ) The name and last known address of the debtor as it appeared in the creditor 's records prior to assignment. 

The names of all individuals or entities, if any, to whom this debt has been assigned. 

Additionally, please provide a copy of the contract or any document evidencing my agreement to the debt. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you update my credit report to reflect accurate information. Please ensure that any contracts or agreements provided correctly spell my name and address and include authentic signatures, whether digital or handwritten. 

I have been disputing this debt for the past two years, during which my credit has suffered significant damage. Despite my efforts, neither XXXX nor Equifax has received adequate proof f confirming that these debts are valid and attributable to me. If you can not validate and verify I expect immediate removal from my credit file. 

Furthermore, I have observed that certain accounts, previously removed, have resurfaced on my credit report as of XX/XX/XXXX. For instance : XXXX XXXX XXXX Account : XXXX Status : Deleted XXXXXXXX XXXX XXXXXXXX Account : XXXX Status : Deleted Additionally, a XXXX  XXXX account, allegedly opened in XXXX, remains on my credit report without any balance or pertinent information. I am unfamiliar with this account and request its removal. 

I am prepared to seek monetary damages as permitted under the FCRA if these issues are not promptly addressed. I believe that the continued reporting of these unverifiable debts constitutes a violation of my consumer rights. 

Please consider this a final formal dispute and a request for validation. 

there are many laws under the FCRA that protect me. 
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : This section outlines the responsibilities of credit reporting agencies to conduct a reinvestigation of disputed information within 30 days of receiving a dispute.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Establishes the right for consumers to request validation of a debt from debt collectors. This includes : Proof that the collector is authorized to collect the debt.

A breakdown of the balance, including fees and interest.

The original creditors details and the date of delinquency or last payment.

15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representation of debt in collection efforts.

15 U.S.C. 1692f : Establishes communication guidelines, ensuring debt collectors respect privacy and do not engage in harassment. 

Requesting proof of authorization to collect debt ( 15 U.S.C. 1692g ).

Requesting a copy of the original agreement ( relevant under both FCRA and FDCPA ).

Demanding correction or deletion of unverifiable information under 15 U.S.C. 1681i ( a ).
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was upset to learn that I have been a victim of identity theft. I found multiple accounts that were no opened by me. This is hurting me during the process of purchasing a house for my family. Please delete these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

" Im requesting the immediate removal of the inquiry for the XXXX XXXX credit card from my credit report because I never authorized it and have no connection to this application. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), and its unfairly affecting my credit. Unless you can provide solid proof that I gave permissionwhich I know I didntI expect this inquiry to be removed right away. If this isn't resolved promptly, I will take further steps to protect my rights. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - XXXX XXXX XXXXXXXX XXXX XXXX Collection Status showing Active Open account inaccurate data - XXXX XXXXXXXX XXXX XXXXXXXX Show account balance on a closed write off account inaccurate
Product: Debt collection

Jefferson Capital System LLC started contacting me through mail I think sometime between XX/XX/XXXX through XX/XX/XXXX claiming I have a debt in the amount of {$9100.00}. I never did business with Jefferson Capital System LLC and Ive disputed this debt several times but it remains on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX who suffers from XXXX XXXX  along with other service connected XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request an investigation into the inaccuracies pertaining to the mentioned account. The information reported is incorrect and is adversely impacting my credit score due to its negative nature. As per the Fair Credit Reporting Act, I kindly request that you commence an investigation into this account within the stipulated 30-day period. It is imperative that all adverse information pertaining to this account be rectified promptly. Specifically, the account requiring investigation is as follows : XXXX XXXXXXXX XXXX XXXXXXXX, with a balance owed of {$520000.00}. This account has been inaccurately reported in my credit file. I respectfully request the removal of any late remarks associated with this account, as I have never made late payments. I urge you to thoroughly review the provided information. Your prompt attention to this matter would be greatly appreciated. Furthermore, I request that any information unable to be verified with 100 % accuracy be updated accordingly. I eagerly anticipate the timely correction of my credit information to accurately reflect the necessary changes.
Product: Bank account or service

On XXXX XXXX, 2015, I made a {$100.00} cash deposit into my checking via ATM location # XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL. This ATM belongs to Fifth Third Bank. A deposit slip printed from the ATM showing my correct ATM card number, the date, and the deposit amount of {$100.00}. The following business day, I checked my online access account with Fifth Third Bank. The deposit had not posted. I called the XXXX branch office at XXXX and explained the situation to the teller who answered. I was advised that I would need to call XXXX and file a dispute. I called and filed. Case number XXXX was opened for me via the Disputes Resolution Dept. and I was issued a provisional credit for {$100.00} in my checking account on XXXX/XXXX/2015. I was provided with a letter regarding this transaction. 
On XXXX/XXXX/2015 I logged into my Fifth Third online access account and found the {$100.00} had been debited from my account with the description " reversal of dispute provisional credit ''. I also received in the mail a letter dated XXXX/XXXX/15 that Fifth Third Bank had denied my dispute because they had determined the ATM to be in balance. I called the Disputes Resolution department immediately and was advised to bring my ATM receipt into the branch where the deposit was made. I went to the branch on XXXX/XXXX/15 and sat down with personal banker, XXXX XXXX, and we together made a call to the Dispute Resolutions dept. where we were instructed to fax a copy of my ATM deposit receipt to XXXX. The fax was made and I was sent home with no timeframe of completion. I followed up with the disputes resolution dept. on XXXX/XXXX/15 to verify the fax was received and to determine a timeframe in resolving my dispute. I was advised the fax was ( 1 ) received, but ( 2 ) my claim was still denied because the ATM was found to be in balance. I followed up with an email to XXXX XXXX on XXXX/XXXX/15 letting him know the findings. I have not been offered any help in resolving this matter. 
I find it to be absolutely unacceptable from a customer service standpoint that a deposit can be made into an ATM, a proof of deposit receipt is provided, and yet the {$100.00} is missing. The XXXX branch has provided absolutely no service at this point. The denying of my dispute by the Dispute Resolution dept after providing solid proof is also unacceptable.
Product: Student loan

I have multiple loans through Sallie Mae which I was told could be consolidated when I was ready to repay them, I was later told that was impossible when it was being demanded of me to pay XXXX XXXX dollars a month. I was unable to finish my degree at XXXX XXXX university due to being unable to pay my tuition any longer. I transferred to a XXXX  college and continued to pay for school myself while working full-time and paying for all my living expenses on my own. I tried to make arrangements with Sallie Mae/Navient to pay my loans or defer them while I was in school. Needless to say I received numerous calls all hours of day, night, weekends, and even at my place of employment. I even contacted a lawyer to see if I could file harassment charges however I could not afford to do it. I was on the verge of tears every day. Here I am ten years later in more debt than you can imagine, still in school paying for it on my own, my loan is now defaulted due to Navient 's lack of willingness to work with me and my credit is forever ruined. I have written letters to everyone I could possibly think of for some kind of help, empathy, or compassion without any response. I am at my wit 's end and there is no way I can even imagine a way to pay my loans when they will not even consider lowering my payments. I was lied to the day I took out my loans and I am still being lied to now by this disgusting excuse of a company who prey on young adults trying to get ahead in life, all we end up with is debt and broken dreams.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had 4 late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint on dates of ( XXXX, XXXX and XXXX, XX/XX/2024 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  XXXX   XXXX   XXXX  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.
Product: Vehicle loan or lease

I can't access the statements. nor the information about my loan. This bank does not provide them to me. I made a previous claim. I do not have access to those documents that they sent. They do not provide me with the correct information about my payments and they charge me surcharges
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from my credit monitoring XX/XX/XXXX that my credit score decreased by 26 points due to reporting an over 30 from Wells Fargo. I have never been 30 days late. I just spoke with a representative XX/XX/XXXX and authorized a payment. I was not advised that I was or had been 30 days late. I was advised that my payment was 12 days late. Prior to that I had made a payment over the phone and was not advised that I was 30 days late. The website is not user friendly and every month when I log in to make a payment I am locked out and I have to go through the process of forgot password and still unable to get in to make a payment. Then I am forced to call in and rely on a representative to process payment. I want the 30 day mark removed from my credit immediately. This is inaccurate credit reporting and a violation of FCRA. A data furnisher has a duty to provide accurate information. I
Product: Debt collection

As I have said I have never been to any hospital or used and medical services. Lost my wallet awhile back and got a replacement i.d maybe someone used my i.d at a hospital. Either way this was not me or is not my debt. Stop reporting on this fraudulent debt. 

XXXX XXXX XXXX/CHARGEOFFOther {$710.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name GOLDKEY CRED Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account XXXX Years, XXXX  Months Credit Limit Not Reported Highest Balance {$710.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Product: Mortgage

I am writing this letter in regards to a two issues I have had with Carrington mortgage but primarily due to a recent 30-day late payment. Initially in XX/XX/XXXX I came home from XXXX for vacation. I received several letters saying I was 90 days late on a mortgage payment. Carrington did not process my correct account and routing number to take the automated payment. I called and complained and I was told by the customer rep. that the problem is resolved. Carrington not getting my proper account number then saying I was late was unacceptable. Thankfully this issue was fixed. Then in XX/XX/XXXX I set up an the same auto payment for the same mortgage, with the same system. I double check the account number and the rounting, and their system also have a check system too. When I logged in to set up the auto pay for XX/XX/XXXX, it would not allow me to set up payment for XX/XX/XXXX. I have no idea why. The verbiage was a bit confusing and I thought it was saying that it would take out both payments in XX/XX/XXXX since it would not allow me to set up payment for XX/XX/XXXX. Apparently this was not the case. I just received a 30-day late payment for XX/XX/XXXX. I never got a single phone call regarding the late payment or any paperwork until after the payment was 30 days late. This is a problem I had an XXXX credit score now I have a XXXX. I also had the funds in the account so this was not the issue either. This is a serious problem ; this should be removed from my credit because I clearly have great credit and I always pay my bills. This issue is simply due to a misunderstanding, a auto payment system error and unclear instruction for the payment of XX/XX/XXXX. I am in the process of getting a business loan approved and a home equity line of credit as well. I need this removed from my credit and I need a letter from Carrington saying they authorize its removal so that I can proceed with my loans. XXXX XXXX XXXX XXXXXXXXXXXX XXXX/XXXX/XXXX
Product: Money transfer, virtual currency, or money service

it would not allow me to connect with my PNC bank account I have already contacted PNC and they said they see no issue on their part that it is your site preventing me from connecting my bank account
Product: Vehicle loan or lease

Company is not applying my payments correctly. Company has extended my loan to be paid off in XXXX and original paperwork when contract was signed XXXX. Also, I have asked on 2 occasions for a payment history and I have not received it. I also ask for a copy of the original loan contract they have on file so I may see where my terms have changed. I have a copy of it and would love to know what they have on file as they are falsifying information and my signatures as well. This is fraud and at the cost of my credit.
Product: Debt collection

Unlicensed Debt Collection by Spring Oaks Capital LLC i wish to report Spring Oaks Capital LLC 's unauthorized debt collection attempts within XXXX XXXX 

- On XXXX Spring Oaks Capital LLC attempted to collect a debt from me. 
- Investigation revealed that Spring Oaks Capital LLC lacks the required licensing to collect debts in New Jersey. 
- Despite lacking proper authorization, Spring Oaks Capital LLC continued their collection efforts. 
- I formally lodged a complaint with the Consumer Financial Protection Bureau, providing evidence of their unlicensed status and continued collection attempts. 

I urge the Consumer Financial Protection Bureau to investigate Spring Oaks Capital LLC 's unlicensed debt collection activities and enforce regulations to protect consumers from such unauthorized practices. 

i would like {$1000.00} per violation to the address on file
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem pertains to a 90 day late error on my Navient loans. There is no late history, I pay the account on time and am never late. The error does not show a 30, 60 late prior to the 90 day late. I have called Navient and explained the error, and they have promised to remove it because it is an obvious error. However the problem persists and worse yet gets duplicated across all my loans. The same 90 day late annotation. I have been treated very kindly by Navient but the problem has been addressed and found to be an error by various agents but never corrected when they say it will. I am asking for help to see this small matter resolved.
Product: Checking or savings account

XXXX I noticed there were three deposits made to my account by someone I didn't know in the amounts of {$200.00}, {$200.00}, and {$300.00}. I contacted USAA and asked to have the funds returned to the sender. I have the original chat transcript to prove what was said. 
XXXX I received three letters confirming that the amounts of {$200.00}, {$200.00}, and {$300.00} were returned to the sender. 
XXXX USAA debited {$850.00} from my account and sent it back to the original sender without my authorization. I was told that the representative made a mistake when he disputed the other three transactions on XX/XX/XXXX and added this one as well. I immediately contacted USAA and told them that the {$850.00} was an authorized transaction and should not have been returned. I was told that a dispute was opened and should be settled within 10 business days. 
XXXX I contacted USAA again to let them know I hadn't gotten my {$850.00} back yet, and they said it was all settled, and I had been contacted, which was not true at all. No one had attempted to call or email, and there were no letters in the document inbox on USAA.com. I was told another note was made and to call back on Tuesday if the money wasn't back in my account. 
XXXX I called USAA back, and after explaining what had happened, I was told that more research needed to be done, and another dispute was filed to get this {$850.00} back. I was also told that because the transaction was via XXXX, I had to contact the original sender to have her resend the money to me. She and I are no longer in contact so this is not possible. I explained again that USAA made the mistake of debiting {$850.00} from my account and needed to return it. I was told it would take 1-5 business days. 
XXXX I called USAA yet again to check on the status of the dispute and was told that the dispute had been canceled and that my XXXX XXXX were limited. I understood this, but this wasn't a dispute with XXXX. USAA, of their own free will, debited the {$850.00} from my account, and even though they couldn't recover it from the sender, USAA needed to return that {$850.00} to me. It was USAA 's mistake, not mine. 
Another case was opened, and I was told it should be settled within 1-5 business days. 
XXXX I called USAA yet again to check on the status of the dispute and was told that a decision had been reached, and I was contacted about the final decision. Again, I was never contacted by USAA. As I once again tried to explain what had happened, the representative told me that nothing wrong had been done and tried to rush me off the phone. I asked to speak to a supervisor and once again had to explain the whole thing.I was again told that because it was a XXXX transaction, I couldn't get my money back and I again explained that USAA had made the debit, not me. I was not going to pay for a mistake made by USAA. Another case was opened. 
XXXX I received a letter saying that claim had been denied again.
Product: Credit card

I had a judgment against me in XX/XX/XXXX with Chase Bank at XXXX County Courthouse in XXXX, FL. I paid their lawyer for almost a year and then stopped because I could no longer afford to. I received a XXXX ( Cancellation of Debt ) from the IRS for Chase Bank for the amount I owed them. I have paid the IRS since this XXXX showed that I had earned income for XX/XX/XXXX Tax Year. 
I have spoken with Chase Bank and they will not update my credit report, they only show it as charged off now. I feel they need to alert the court and the Credit Bureaus that this is satisfied or something. I can not be responsible for earned income and still owe them money. I have also contact IRS and they said to contact Chase Bank.