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

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per XXXX guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 XXXX looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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

On XX/XX/2022 I mailed experian, XXXX XXXX XXXX letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I saw. Address to take off are XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX, Also XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, In, XXXX. Address giving I never lived. Accounts, Inquiry, that is not mine. Its XXXX XXXX inquiry, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$390.00}, XXXX XXXX {$500.00}. This accounts loan, hospital ER was not opened by me. This is identity theft. I never went to ER in XXXX. I lived in XXXX, Fl. The ER account is under collection said it opened in XX/XX/2020. No one contacted me from XXXX XXXX. To open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. I did call to ask for my application. I asked for my driver license along with my signature. These companies refused to call me back or give 100 percent submission to my request. Please take off or block this information on my credit reports. The XXXX XXXX took out from our XXXX XXXX account wich is now closed. My husband was the head of the account so he was the one that had to fill out the form for fraud identity thrift. sense the account is closed. I cant give you paper work only the refunded amounts our bank gave us. But I am submitting our car ins card to prove we XXXX XXXX XXXX XXXX and I have the same accounts. We are married.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I applied to Equifax for a copy my free annual credit report. I had last requested this report from Equifax on XX/XX/XXXX. Equifax DENIED me access to my free annual credit report without even trying to verify my identify my asking the usual questions. Besides distributing my credit report to criminals by failing to safeguard my data, they are now denying me access allowed under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own any cars, I have never financed a car in my life
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REFUSING TO REQUIRE THE CREDITOR ( S ) TO PROVIDE ACCURATE/CURRENT PAYMENT AND ACCOUNT HISTORY DATA DIRECTLY TO THEM ( CREDIT BUREAU ) WHICH WOULD ASSIST EQUIFAX WITH UPDATING THIER RECORDS TO REFLECT ACCURATE/CURRENT ACCOUNT INFORMATION FOR ALL AFECTED ACCOUNTS.

MY EQUIFAX CREDIT RECORDS ARE OUTDATED AND IS MISSING MORE THAN ONE YEAR OF PAYMENT & ACCOUNT HISTORY FOR MANY OF MY OPEN ACCOUNTS. 

IF THE CREDITOR IS CURRENTLY REPORTING MONTHLY AND THE ACCOUNTS AFFECTED ARE OPEN AND CURRENT, THERE IS A OBVIOUS DATA COMMUNICATION BREAKDOWN IN THE INFORMATION TRANSMISSION PROCESS BETWEEN THE CREDITOR AND EQUIFAX THUS REFLECTED IN THE CONSUMER CREDIT REPORT. EQUIFAX IS TAKING NO RESPONSIBILITY TO REQUIRE THE DATA RECIEVED IS CURRENT/ACCURATE
Product: Checking or savings account

On XX/XX/24, my account had just over {$700.00}, I transferred {$300.00}, to make just over XXXX. I withdrew {$220.00} from an ATM, leaving {$800.00}. I made 3 deposits totalling {$1400.00}. My balance, which I have a Screenshot of says {$2300.00}, but the balance up top only shows {$1800.00}. I immediately stopped all transactions, and use of that account, to find out what was going on, this on XX/XX/24. No use at all. Then the account drops to {$1800.00}. So I called to find out why the balance is reading all these different things, all unmatched from the accounting the rep briefly mentioned. He said there was XXXX XXXX  in the account, I immediately emailed all the shots I have, all different numbers, nothing ever matches. The rep sent one email, saying as of XX/XX/24 the balance read {$840.00}. It doesn't show the 3 deposits totalling {$1400.00}. If you add XXXX XXXX, you get the {$2300.00}. Still the balance reflects {$1800.00}. There is something wrong, and I'm getting nowhere. This company refuses to help, they promised an escalated response within 24 hours, and 48+ hours later, still nothing. I desperately need help. My contact information is XXXX XXXX cell. My name is XXXXXXXX XXXX  and I can forward all the emails, and screenshots I have. The Division of Banks I'm Massachusetts referred me to this level.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Re : Removal of " INACCURATE '' Items from Credit Report ( More than 30 days have passed ) On XX/XX/year>, I sent you a request to reinvestigate " INACCURATE '' items which were listed in my credit history report. 
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  The Fair Credit Reporting Act requires that you complete your reinvestigation and provide results within 30 days. It has now been more than 30 days. By law, due to the expiration of the procedures used to determine the accuracy and completeness of the disputed information, you are required to delete the disputed items within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX XXXX ) due to significant discrepancies and inaccuracies in the reporting of my account, which violate the Fair Credit Reporting Act ( FCRA ). The inaccuracies in the payment history and account information are causing harm to my creditworthiness and need immediate investigation and correction. 

The account in question was opened on XX/XX/XXXX, with a reported balance of {$220.00} and a credit limit of {$750.00}. However, the reporting of this account across the XXXX credit bureausXXXX, Equifax, and XXXX riddled with errors and inconsistencies. Most notably, the payment history includes conflicting and inaccurate information. For example, XXXX reports no late payments, while XXXX and Equifax both show multiple late payments. XXXX lists XXXX, XXXX, and XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but Equifax reports only XXXX and XXXX late payments during the same period. Furthermore, Equifax shows a XXXX late payment in XX/XX/XXXX that does not appear on XXXX 's records. These discrepancies indicate that XXXX XXXX has failed to ensure accurate reporting across all bureaus, as required by law. Additionally, the charge-off status and related dates are inconsistent. XXXX reports the account as charged off on XX/XX/XXXX, while Equifax lists the charge-off date as XX/XX/XXXX. The " Date Last Active '' also differs significantly between XXXX ( XX/XX/XXXX ) and Equifax ( XX/XX/XXXX ). These discrepancies further highlight the lack of accuracy and proper record-keeping by XXXX XXXX. I was never notified of updates or changes to this account, including its charge-off status or adjustments to the payment history. This failure to notify me is a violation of my rights under the FCRA. Additionally, the presence of unauthorized and inaccurate reporting may constitute identity theft or misuse of my personal information. If XXXX XXXX can not provide valid documentation to substantiate the debt and correct the inaccuracies, I am requesting the immediate removal of this account and all associated negative marks from my credit report. These errors have caused undue harm, and I trust the CFPB will ensure that XXXX XXXX complies with federal regulations regarding accurate and fair credit reporting. 

Attached is a copy of my credit report with all discrepancies highlighted for your review.
Product: Vehicle loan or lease

Hi, This is regarding the XXXX XXXX wheel warranty. While financing my vehicle ( XXXX-2017 ), it was asked me to take extended warranty, Tire and wheel warranty and XXXX XXXX wheel warranty. Having no choice I agreed. After few months I requested to cancel my all warranties. After long follow up, the XXXX XXXX XXXX XXXX was able to cancel Extended warranty and tire and wheel warranty but not the XXXX XXXX Wheel warranty. I have been constantly following up with XXXX XXXX XXXX finance team. Even they are not able to produce any signed document in this regard and first they asked me to check with XXXX wheel directly. I called them and they denied that they do have any copy with my sign. At end the dealership agreed and confirmed that they got confirmation from XXXX company that my warranty has been cancelled and amount will be deposited in my loan account. After 2 and half months the amount is still not credited. I have following concerns ( 1 ) I think  XXXX XXXX XXXX charged me extra without getting my signature on agreement and thats why no one has a copy of agreement of XXXX XXXX wheel warranty ( Including me ) ( 2 ) I think because of some financial glich the dealership is not able to tell me the truth and delaying the credit in my account
Product: Vehicle loan or lease

I opened a use auto loan account with Navy Federal Credit Union in Georgia. I was sent paperwork via US mail from the loan officer. Everything was highlighted where my signature was needed. Approximately 3 months later I received a letter from Navy Federal stating that my savings account was debit {$15.00} for XXXX fees. I called Navy Federal on XX/XX/22 at XXXX XXXX  XXXX and spoke with a Representative that was trying to refund my account {$15.00} and was not able to do so. The Rep asked to place me on hold to see how he could refund my account. Before, offering me a refund the Rep did not see any paperwork that I signed giving NFCU the right to debit my account. Once the Rep placed me on hold he came back stating that he spoke with his Supervisor and could not issue a refund. I asked to speak to the supervisor. XXXX ( supervisor ) can on the line and proceed to explain what a title change mean etc. I interrupted XXXX and informed her that I am aware of what a title change means. XXXX was HORRIBLE and did not try to solve my issue. I spoke with XXXX around XXXX XXXX. XXXX was awful. I want to file a complaint against Navy Federal. I did not give Navy Federal permission to debit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

XX/XX/2019 - sent letter as to verify debt and provide proof that they can collect the debt on behalf of the original creditor. 
XX/XX/2019 - received a letter stating that LVNV has initiated a review of the inquiry. 
**never received verification or proof to collect debt** XX/XX/2019 - sent the same letter again requesting verification and proof to collect debt. 
XX/XX/2019 - received a letter with a copy of a credit card statement which doesn't confirm they are legally obligated to collect the debt on behalf of the original creditor.
Product: Credit card or prepaid card

I called KOHLS and asked the balance and requested the account be closed. 
They told me the balance and I sent a check and wrote " paid in full '' and they cashed it. 
I had paid it in full and requested it be closed so I knew no further charges would be made and I cut up the card. 
I started receiving emails from them with with the subject " we have good news '' I blocked the emails after that because I figured it was for a new card or some kind of offer and I didnt want to shop there anymore. 
Then I look at my XXXX and realize they had sent me to collections and the amount was all fees that was beyond the original credit limit. 
I called the collection agency and paid a settlement reluctantly after explaining the situation they said there was nothing they can do. I called Kohls they told me the payment was late I argued with them that it wasnt and it was in fact their error. 
I believe that if they didnt send misleading and deceptive messages I would have noticed the issue sooner and been able to correct it before the negative impact on my credit and all the fees I ended up paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 
XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Im disputing this account on my Experian credit report as fraud, the account ( XXXX XXXX XXXX ) for  XXXX dollars my name has been by XXXX XXXX XXXX in the past I have filed a complaint with the FTC .and the XXXX   XXXX  thats why Im no longer a customer.XXXX XXXX XXXX has open lines of credit on my account when I was with XXXXXXXX XXXX XXXX and checked my credit illegally with out my consent I want this account removed off my credit report because its fraud and doesnt belong to me, whoever reads this from Experian this is XXXX XXXX XXXX and i am filing this complaint, now dispute this account and have it removed off my credit .I will send screen shots and FTC identity theft report in this complaint
Product: Debt collection

I open a joint account lease for motorcycle about XX/XX/XXXX. About XX/XX/XXXX, I voluntary surrendered the vehicle associate with this account. On XX/XX/XXXX, Motolease sent me to collections with XXXX XXXX XXXX for the remaining balance. About XX/XX/XXXX, I settled the collections. Then 3 years later about XX/XX/XXXX, Motolease reported the first 30 day late payment for the account that I settled with XXXX XXXX XXXX and was paid and satisfied in full.
Product: Credit reporting or other personal consumer reports

Dear XXXX Disputes Department, I am formally disputing the late payment entries being reported by XXXX on my credit report. These reported late payments appear to be inaccurate, unverifiable, or improperly reported, in violation of federal law. I request an immediate investigation and correction of these derogatory marks in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 
Accounts in Dispute * Loan ID XXXX ( reported as 90 days late ) * Loan ID XXXX ( reported as 30 days delinquent ) Legal Basis for Dispute 1. Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act ( FCRA ) : * The FCRA mandates that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If XXXX can not provide definitive proof of accuracy, these negative marks must be deleted. 
2. Violation of 15 U.S.C. 6801 XXXX XXXX ( XXXX ) : * The XXXX requires financial institutions to ensure the security, confidentiality, and accuracy of consumer financial data. If XXXX reported inaccurate or unverifiable late payments, they have failed their legal duty. 
3. Violation of 15 U.S.C. 1692c ( c ) Fair Debt Collection Practices Act ( FDCPA ) : * Under this law, consumers have the right to demand validation of any alleged debt-related reporting. I demand XXXX provide : * A full payment ledger with a breakdown of every payment applied. 
* A signed contract proving I agreed to the reported terms. 
* Proof that proper notice was given before any derogatory reporting. 
4. Violation of 15 U.S.C. 6802 XXXX XXXX ( XXXX ) : * The XXXX also requires proper disclosure of how consumer data is used. If there was any failure in notification or data security leading to inaccurate reporting, these late payments must be deleted. 
Request for Immediate Action XXXX must fully validate and provide documented proof of these late payments within 30 days. If XXXX can not provide clear, verifiable documentation proving the accuracy of these reports, I request the immediate removal of these late payment entries from my credit report across all bureaus ( Equifax, XXXX, and XXXX ). 
Additionally, I request written confirmation of the investigation results and any corrections made. 
Failure to comply with this request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for non-compliance with federal law. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

The debt collector XXXX XXXX XXXX sent me a letter dated XX/XX/XXXX  stating that they are trying to collect a debt for Credit Acceptance Corp. The letter had a total amount of {$12000.00} owed to the creditor which is not correct.They are sending me threating collection letters about a debt that is not correct. I have notified them of this issue and my response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. 

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

SUNRISE CREDIT SERVICES IS STILL TRYING TO COLLECT ON A DEBT THAT THEY DID NOT VALIDATE WITHIN THE 30 DAY TIME PERIOD AS PRE FCRA LAWS IN WHICH I REQUESTED VALIDATION BE SENT WITHIN 30 DAYS FROM THE RECEIPT OF RECEIVED MAIL WHICH WAS EXPRESS MAILED NEXT DAY SERVICE XX/XX/2020 AND RECEIVED XX/XX/2020. TODAY XX/XX/2020 I RECEIVED A LETTER OF VERIFICATION NOT VALIDATION OF DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACT # XXXX XXXX 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... 

SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED XXXX ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. 
I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....