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

I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX to delete errors and inaccurate information from my credit report. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3300.00}. 
This account is incorrectly reporting that I have 9 late payments. On my XXXX report there are 3 late payments being reported. 

XXXX. XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 
This account is incorrectly reporting that I have 29 late payments. On my XXXX report there are 6 late payments being reported. 

XXXX. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
This account is incorrectly reporting that I have 29 late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3500.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX. XXXX XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Ive recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. 
Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be removed from my credit report immediately. 

In addition I demand to have a copy of my updated consumer report once the following changes have been made. 

Including but not limited to One name SXXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Remove All Derogatory Remarks Remove All Hard Inquiries Remove All Late Payments Remove All Closed Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX have admitted to improper use of my credit report by removing multiple accounts and inquiries from my report but they refuse to accept liability by paying the cost of damages. I sent multiple notarized letters in XXXX and have yet to receive a response. They continue to pull my credit report without my permission and they report these inquiries or try to hide them as " soft inquiries. ''
Product: Debt collection

Southwest Credit Systems LP has been reporting a collections account on my XXXX and XXXX credit reports. The balance is for {$2000.00} and the original creditor is XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I sent my first debt validation letter XXXX XXXX, 2017 ( Please see attached ). Southwest Credit Systems LP responded to this debt validation on XXXX XXXX, 2017 by telling me that I had a right to request the substantiation of the debt, which is exactly what I was trying to do with the letter I sent. In that letter, they told me to send the debt validation letter to different address than where the first letter was sent. 

Their response to my first letter is attached. 

I then mailed a second debt validation letter on XXXX XXXX, 2017 to the address given on their response to my first letter once again requesting the validation of the debt they claim I owe them. 

I have yet to receive a response from them. 

This issue is adversely affecting my credit profile, my credit score and it is hindering me from accessing financial products that can be of use to me. 

I respectfully request that the Financial Consumer Protection Bureau contact Southwest Credit Systems LP on my behalf and have them substantiate ( validate ) the debt they claim that I owe them. 

I do not recognize this debt and all I 'm requesting is that they follow the law. 

A request for validation of the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA requires that Southwest Credit System LP provide me with competent evidence that I have a legal obligation to pay them. This includes : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Verification that this debt was assigned or sold to a collector. 
Complete accounting of the alleged debt. 
Commission for debt collector if collection efforts are successful. 

I have not received any of the above required documentation despite submitting XXXX requests. 

If Southwest Credit Systems LP can not provide the above mentioned documentation, I request that they delete the account from all my credit reports.
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 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 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
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 Account # : XXXX Amount : {$1400.00} I looked at my TransUnion credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit 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 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall.

( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 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: Student loan

My student loans are through Nelnet. I have a large federal loan, and one smaller private loan. I make payments larger than the accrued interest, yet a portion of the interest remains. I do not have an understanding of how payments are dispersed. The website does not present information in such a way that an ordinary person can understand it. Even my wife, who has a degree in XXXX, does not understand. 

My interest has just about doubled over the last week, even though I am making consistent payments monthly. 

There is literally no provision on the Nelnet.com website where a person can designate that their payment satisfies the interest, or designate a specific dollar amount to the principle. 

I wish to keep my interest down, yet it continues to grow.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were not tied to me and these companies pulled my credit without my consent therefore I would want the inquiries removed from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018, US Bank accepted my credit card dispute against XXXX XXXX ( merchant ) for failure to render services ( involving online social media web traffic and advertising ) as agreed in the amount of {$3400.00}. 

I provided a personal detailed letter in the filing of my dispute, and I also followed up with additional letter and documentation on the official form they sent to me to fill out. In that letter was a copy of email correspondence in which representatives for XXXX XXXX XXXX company stated that after a year or so their attempt to provide the services paid for had failed and they were no longer going to try, and they offered to " bait and switch '' to other products/services the buyers. 

I never received any other correspondence from US Bank for additional information to clarify what was disputed. Moreover, I never receive any information that the merchant had provided information to counter my dispute. I am of the understand that the merchant did NOT reply to my dispute. 

However, in a letter dated XX/XX/2018, US Bank denied settling the dispute in my favor and recharged my card. US Bank claimed that insufficient information was provided by me support my claim of failure to render services/product as agreed. 

Upon receipt of that letter, I sent back a reply asking for the matter to be reviewed and settled in my favor because no addition information was requested outside of the form that needed to be filled out and returned ( which was returned ). As well as, there was no evidence the merchant had provided anything to counter my dispute, which was properly and legally filed, therefore the dispute legally should be settled in my favor. 

As an additional method of appeal I have filed this complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

we disputed public record of bankruptcy filed XXXX2009 credit  bureaus claim account was verified. the court does not submit, furnish any info to any credit reporting agency. thus the credit bureaus are reporting data that is unverifable, inaccurate and were untruthful of how they conducted an investigation. 

additionally the age of said account is reflecting over 10 years which is beyond the reporting standards per the FCRA which places all the credit bureaus in violation.
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. 
Accounts : XXXX XXXX services Number : XXXX 15 U.S.C. 1681 section 602 A. States I have privacy 15 U.S.C. 1681 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 that shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Student loan

In the beginning of COVID ( XX/XX/2020 ) I was told that all of my student loans would be put into a COVID relief program, like many other companies I was told no payments needed to be made for 6 months. Then in XX/XX/2020 I received a FICO credit alert that my score had dropped due to being 90 days past due. I called Nelnet and was told there was an error and " somehow a few of my loans weren't put in the COVID program ''. Their error resulted in this delinquency reporting to my credit. When I asked her to correct it I was told she could add the other loans to the program but she could not fix the credit reporting.
Product: Checking or savings account

In follow-up to a complaint submitted to the CFPB XX/XX/XXXX against Wells Fargo for their check clearing process with XXXX XXXX and overdraft charges assessed to me because of this - I still have not received back the {$180.00} in overdraft charges that Wells Fargo deducted from my account. Wells Fargo removed the overdraft charges from being viewed on my online banking statements, but did not return the money. In addition - they have not stated to me what they will do, to make sure that the check in question that I've deposited with them on a monthly basis since XX/XX/2013 ', will not be subject to a Stop Payment hold again. The clearance issue needs to be resolved between Wells Fargo and XXXX XXXX, which services the maker of the check to me. There is no stop payment request from the maker of the check or their bank.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit report in XXXX of XXXX. I noticed that information was being reported inaccurately. I disputed the information with ALL THREE credit bureaus to which I received either a stall letter or no response at all. I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I have not received an update regarding my disputes, nor have I received an investigation letter. I only received stall letters. I provided a copy of my lease agreement and my driver 's license to prove my identity in my initial letter. The bureaus are inaccurately reporting late payments on my credit report for the creditor XXXX. 

TransUnion is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late 5 months consecutively? TransUnion is also reporting 2-60 day late payments for XX/XX/XXXX and XX/XX/XXXX. Again, how can a person be 60 days late 2 months consecutively? TransUnion then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They reported 3-60 day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late for 6 months consecutively? How can you report 1-60 day late payment for XX/XX/XXXX and then start with a 30-day late payment for XX/XX/XXXX? How can a person be 60 days late for 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting on time payment history from XX/XX/XXXX to XX/XX/XXXX which directly contradicts what was reported to XXXX and TranUnion. However, XXXX then reports a 60 day late period for XX/XX/XXXX. How was XX/XX/XXXX reported on time but XXXX XXXX 60 days late? XXXX again reported XX/XX/XXXX as 60 days late with XX/XX/XXXX being reported as on time? This is a FCRA Violation. 

I have provided this information to all 3 bureaus several times with them blatantly ignoring me or purposely stalling by requesting information that was included in the initial letter. This is a violation of the FCRA and is purposely prohibiting me from accurately displaying my credit worthiness and ability to pay on time to potential lenders resulting in credit denials that otherwise would be approvals.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the credit reporting practices of Synchrony Bank concerning my SYNCB/Pay Pal Master Card account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Synchrony Bank has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. 

Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, Synchrony Bank has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. 
Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. 
Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by Synchrony Bank. The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. 

Reporting to the IRS : I will be reporting Synchrony Bank to the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.
Product: Debt collection

I am contesting the account with Barclays Bank Delaware. It is an account that was opened without my consent. It is showing a balance of {$840.00} with a {$500.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 168 % usage. I need XXXX and Barclays Bank Delaware to correct this account on my XXXX report. I should not owe Barclays Bank Delaware anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected.