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

XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7000.00} Status Account charged off. {$5800.00} written off. {$7000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9000.00} Status Account charged off. {$8900.00} written off. {$9000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$52000.00} Status Account charged off. {$52000.00} written off. {$52000.00} past due as of XX/XX/XXXX. 




XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family quit removing the stuff XXXX  no one asked you to remove stick to the request nothing more!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint to you once again to request that you update the status of the following accounts. I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX. Also, I previously requested that you send me copies of documents resulting from your investigation and yet I received nothing. Under the Fair credit Reporting Act, it should have been expected that the disputed accounts be corrected.
Product: Debt collection

I disputed and requested validation with at least 30 days to investigate. I also advised them that if any action is taken which could be considered detrimental to any of my credit reports I would seek legal counsel. It has now shown up on my credit report, and I have not received any verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX has been paid and closed on my report, this is still showing that it is 30, 60 and 90 days late with a balance. How can this be? They should be reporting the accounts paid. These accounts should not be showing a late date since they have already been paid for. It seems impossible to accrue late on accounts that have already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be fix immediately! 

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

I check my credit score today it suddenly drop i never miss a payment ever it came XXXX points down today
Product: Debt collection

I have tried several times to have chargeoff removed from my report, XXXX XXXX XXXX has reported an account that I was never aware off without any warning, My Legal name is XXXX XXXX and they have me as XXXX XXXX, Not one letter has never been mailed to me and I have never opened a XXXX acount, Please remove ASAP as this matter has effected my life and is currently effecting my future.Thank You.
Product: Credit card or prepaid card

ON XX/XX/XXXX  I closed a Jeweler Rewards Card processed through Comenity Bank.  Today (XX/XX/XXXX) I received a statement with $XXXX in charges from XX/XX/XXXX.  The charges were taken care of by XX/XX/XXXXXX/XX/XXXX.  I then called Comenity Bank and asked them why my account was open.  They told me it was closed.  I then asked how charges could be processed to a closed account.  The customer service representative said I would need to speak to a supervisor.  After 10 minutes the CS representative came back and said he could waive the charges.  I told him that was not the issue, the issue is that the account should be closed and there is a problem somewhere if charges were allowed to go through.  He said he understood but he didn't know how to take care of that.  I then asked to speak to the supervisor to whom I was going to previously be transferred.  Instead of transferring me, he put me back to the automated system listing account details, etc.  I need to know this account is permanently closed and these charges will never occur again.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit with all 3 credit bureaus, and I saw there was a collection account from XXXX XXXX opened on XX/XX/XXXX. I immediately disputed the collection account along with an address that the credit bureau told me was linked to the collection account of XXXX XXXX. To wait for the investigation to provide results. I Asked Experian to explain to me what proof did XXXX have to show that that collection account was mine and they told me they couldnt provide that information. Meanwhile I called XXXX directly and also disputed the fraudulent account and they instructed me to file a police report and submit proof of address at the time of the incident and to upload to the fraud department. XXXX also provided me with the Debt collection agency that took over the account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX in which I have called several times and no answers the phone. I did all of that on Monday morning, and by Monday evening and Tuesday morning, I received two emails from XXXX stating they had completed their investigation and found that I am not responsible for those charges and account and to send this letter to the credit reporting agencies. When I reached out to the credit reporting agencies they stated they do not use email letters as proof. Later in the evening I did receive an email from XXXX and Experian stating they removed the address but that the Collection account is mine. And did not want to accept the letter I received from XXXX emailed. I called XXXX to request the letter faxed and or mailed to my home they stated they do not mail any letters, only email.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Caine & Weiner continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX  on this issue. Caine & Weiner has 30 days to delete the accounts in violation before I sue for violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to Transunion/XXXX  and XXXX. I asked Transunion/XXXX  and XXXX  to investigate. They still keep show 30 day late.
Product: Debt collection

GENESIS CREDIT MANAGMEN is illegally reporting inaccurate and unauthorized information to the consumer reporting agencies. GENESIS CREDIT MANAGEMEN has failed to furnish a contract endorsed by my wet signature to prove Im a legally obligated to pay this alleged debt. This inaccurate, unauthorized information violates the provisions of both 15 U.S. Code 1681s-2, and 15 U.S. Code 1681b as well as 18 U.S. Code 894 as they are all in collusion to extort me for an alleged debt I am not responsible for. This inaccurate unauthorized reporting has had an extremely negative impact on my mode of living as I have been unable to rent and am currently homeless. They are reporting under several different names. They report as GENESIS CREDIT MANAGMEN to XXXX, GENESIS CREDIT MANAG to XXXX, and COLUMBIA DEBT RECOVERY to XXXX, and alleged I owe XXXX, but have failed to provide necessary proof of claims.
Product: Debt collection

Hi I am filing a complaint against Discover Card for constantly failing to provide proper documentation for an account that is result of identify theft that has taken a negative affect on my credit profile and finances. They have been in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I requested proof of the account, including a signed application and relevant details from the time of open to current, but Discover has not provided any application or complete paperwork. 

The account is reported as opened in XXXX, but Discover has only provided account statements from XXXX onward. I have also sent an FTC affidavit and personal information showing that this account is misleading and inaccurately reported. 

Additionally, Discover is incorrectly reporting this account as charged off every month since XXXX, which constitutes inaccurate reporting under the FCRA.15 U.S.C . 1681c limits the reporting of charge-offs, and this continued monthly reporting violates my rights as a consumer. Each dispute they only add notes. 

I request that this account be removed within 4 days as well as compensation for the violations or I plan to pursue legal action. 

I have attached the letter from Discover for your reference. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I got approved for a XXXX  XXXX card in XX/XX/year> around 2 weeks later prior to even receiving the card I received an email indicated that unfortunately they couldn't improve my account a month and a half later I received an email indicating that I have a past due balance on my card which I called right away and told XXXX XXXX that my account was closed and I didn't receive my card they did a fraud investigation and indicated that I'm at fault for it but after doing my own investigation I was able to contact the fraud department they did indicate that merchandise was not shipped to my address on file it was shipped to an unknown address and I still was at fault the shipping address was not my home address according to XXXX XXXX I am still responsible for an account that they close and showed that it was open for around 2 months when it actually got closed even before I received my card. 
XXXX Experian and XXXX have failed to even look into my dispute and indicated everything was authentic XXXX XXXX also failed to investigate and see that my account was closed I never received a card and whatever was ordered with this card wasn't even received by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is against Equifax XXXX. XXXX XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and letter was received by Equifax on XX/XX/2018. I waited 43 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me and updated credit report via mail on XX/XX/2018 credit report confirmation # XXXX and in that report they did not update and delete all accounts that I have disputed with them on XX/XX/2018.
Product: Debt collection

XXXX XXXX with Orion Capital Solutions contacted my husband multiple times regarding a loan from XXXX XXXX that is in my name and threatened to sue him over my debt. The loan was taken out in my name only, no cosigner and we don't share bank accounts etc ... My husband politely told him that he did not believe he could do that, and XXXX told my husband that he was wrong and if it wasn't paid within a few days, the were going to come after him. He called me today, stating that he talked to my husband yesterday and that since I did not contact him immediately, they were going to move forward and take action.
Product: Mortgage

I went through Alameda Mortgage Corporation to finance the purchase of my home. The original closing occurred in XX/XX/2019. Soon after closing, I was contacted by Alameda Mortgage Corporation that they needed to quickly refinance due to a glitch in their system in order to make it possible to sell the mortgage to a bigger bank. The refinance closed in XX/XX/2019 and my mortgage is now with XXXX XXXX. The original mortgage that closed in XX/XX/2019 was never released when the refinance closed in XX/XX/2019. I currently show two mortgages for the same parcel filed in the county I reside. I am currently in the process of negotiating a HELOC through another financial institution and in order to close, they need to have the release/reconveyance of the XX/XX/2019 mortgage from Alameda Mortgage Corporation. I have been contacting them on a daily basis for the past 3 weeks, the loan processor from the financial institution has also been trying to work with them on having this document filed. The law within the state I reside says that in the event of a refinance or when the grantee has satisfied the mortgage, the grantor is required to file a release of the lien within 21 days. This indicates that Alameda Mortgage Corporation should have filed the XX/XX/2019 release in XX/XX/2019. I was just notified today by Alameda Mortgage Corporation Chief Compliance Officer that the document will be finally be recorded today - 1 year and 2 months after it should have been, and I still have not received the actual document.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach I want these items deleted from my credit resorts effective immediately. Iam attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing to remedy this issue. 
Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

This seems to be predatory loan from Republic Finance. This loan was unsolicited. A check arrived in the mail in the amount of {$2400.00} in XXXX 2019 about a month after a job termination and I was between employers. It stated that my credit was good and upon deposit of the check I would be able to make easy monthly payments. My goal was to pay around {$200.00} per month. 

The amount owing on the loan increased on a monthly basis. No balance statements were sent. Only statements showing a random amount currently owed for the loan. I would personally deliver a check to the XXXX office each month until the local branch closed. 

I have paid about {$1100.00} on an original amount of {$2400.00} but the amount paid has never been credited. 

XXXX XXXX incorrectly reports a beginning balance of {$2500.00} and a charge off amount of @ XXXX to all credit bureaus.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to Santander Consumer USA requesting proof that all required noticed were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I also requested proof the reprosession was legal and in accordance with UCC 9-56 Effect of errors or omission, 9-611 notification before disposition of collateral, 9-612 timeliness of notification before disposition of collateral, 9-613 contents and form of notification before disposition of collateral I requested copies of the legal notices and proof of the commercially reasonable manner of the notifications and resale of the vehicle. I stated in my letter if proof is not provided within 15 days from receipt of the certified letter Santander must remove the account from my credit report. I verified the letter was received on XX/XX/XXXX to this date I have not received any of the requested documents let alone a reply from santander continues to report this invalid claim on my credit reports and is in violation of the FCDPA and FCRA. I also sent a letter to all three credit bureaus XXXX, XXXX, and XXXX  on XX/XX/XXXX advising them Santander is illegally reported on my credit report and I have formally disputed with Santander and have not received a reply. I only received a copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is still a XXXX XXXX XXXX card on my report. I repeatedly told XXXX that fraudulent information was on my report. XXXX did nothing to help. I will never do business with XXXX again. THIS DEBT IS OLDER THAN SEVEN YEARS AND IT MUST BY LAW BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Vehicle was total loss by insurance as a result of accident on XX/XX/2024. this is a comprehensive policy. Insurance paid Honda. Honda has not updated the account. I made the last required monthly payment on XXXX. Honda has continuously reported that payment was late for 30 days or more. All payments were made timely. 
I have spent numerous time on the phone with Honda and is always promised that they will fix the problem to no avail. 

Vehicle totaled on XX/XX/2024 My final monthly payment of {$580.00} made on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights 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 The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in XXXX therefore these accounts must be removed asap, 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 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling and disputes, particularly in the light off the recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XX/XX/XXXXand Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I notice I had fraudulent accounts my credit report account please remove these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE TAKE TIME TO READ THIS AND THE PROOF. This is becoming an ongoing problem and blatant negligence involving my SSN and credit reporting by the hands of CITIBANK. I have desperately tried to peacefully resolve this false reporting and mishandling of my credit by CITI BANK. They sold a a debt to a third party ( XXXX XXXX ).  This third party violated many Consumer laws which lead to a settlement with them paying me and also agreeing to delete this account from my report ( all attached ). I even paid the debt beforehand so it wouldn't damage my credit.

I then contacted CITIBANK via letter several times to notify them that they were reporting false information and requested for them to delete the fraudulent account, in response they then sent me a letter ( attached ), saying that the matter is no longer theirs and I would have to take it up with the company that I won a settlement against. 

THEN 30 DAYS LATER THEY UPDATED FALSE INFORMATION TO MY CREDIT REPORT, causing it to drop 90 points, while I was in the middle of closing on a home. This caused my family so much strife and hardship. The obvious false reporting has held up my purchasing of a home, leaving my wife and kids in limbo while I rectify this situation. PLEASE look into this. This is clear bullying and they knew exactly what they were doing because I stayed in constant communication with them throughout the process. So instead of rightfully deleting this account they reported i had a balance of {$3000.00} as recent as XX/XX/2018. This account has so many violations. Its past the statue, false reporting, etc. I will not stop until their wrong doing is brought to the light. Legal action is on the way. 

Thanks