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

The unverified items indicated below are reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 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 reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Reinvestigation of Inaccurate Information on My Credit Report Dear CFPB Team, I am writing to formally dispute the accuracy of information reported on my credit report by Equifax, specifically regarding charged-off accounts with the following institutions : XXXX XXXX XXXX Account Number : XXXX These accounts are carrying inaccurate balances and negatively affecting my credit profile. I believe that these inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, particularly 15 U.S.C. 1681, credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy '' of the information being reported. Likewise, the FDCPA mandates that debt collectors provide accurate information regarding debts and conduct themselves in a way that is not misleading to consumers. The failure to accurately report the status and balance of these accounts constitutes a violation of these laws. 

Additionally, I assert that proper disclosures required to validate these debts have not been provided to me. The FDCPA requires that debt collectors send consumers written notifications that accurately detail the nature of the debt, including the amount owed and the creditor 's name. Without this information, I am unable to validate the legitimacy of the debts in question. 

Furthermore, I would like to refer to the current lawsuits against XXXX regarding their failure to investigate disputes appropriately submitted by consumers. This has raised significant concerns about their compliance with regulatory standards, and as a consumer, I deserve accurate information regarding my credit report. 

Additionally, I am a victim of the data breach involving Equifax and have been adversely affected by the mismanagement of sensitive information. The protection of consumer data is paramount, and the inaccuracies on my credit report further exacerbate this issue. 

In light of these concerns, I respectfully request that you : Conduct a thorough reinvestigation of the charged-off accounts listed above and correct any inaccuracies. 
Provide me with the necessary disclosures that confirm the validity of the debts involved. 
Inform me of the findings of your reinvestigation within the 30-day timeframe stipulated by the FCRA. 
I appreciate your immediate attention to this matter. Ensuring accurate reporting is vital to maintaining the integrity of consumer credit, and I trust that my concerns will be addressed with the seriousness they deserve. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : Account XXXX
Product: Credit card or prepaid card

Failed missed payments due to being affected by XXXX lockdown and also, a current XXXX XXXX who's struggling to take care of himself personally. I'm also a XXXX  who has to apply for XXXX which is financial aid to help the XXXX afford college. Being that I'm a XXXX XXXX  I don't receive XXXX  grants to assist me with any type of payment. According to my payment history I'm on time with my payments, but despite not being able to make payments due to uncontrol circumstances I failed to make a few payments. 

Discover Bank - late payment on XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) XXXX XXXX XXXX XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the following accounts do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not received goods or services from these companies and I have provided my police reports, my FTC Identity theft report, Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this car in XXXX or XXXX I was told that my car payments was XXXX XXXX dollars a month. According to the paper that I signed and what is stated on my credit report I was paying to much. The charge off amount on my credit report is incorrect.
Product: Student loan

In XXXX of XXXX ( date appears to be XX/XX/XXXX ), my principal balance was increased by {$1700.00} without any notice or explanation. 

I immediately contacted FedLoans ( of PHEAA ) to ask about the reasoning. They were not able to tell me why. After speaking with a supervisor, he told me that because I had switched the due date on my payments from the XXXX to the XXXX of the month ( i.e. paying earlier ), it had technically recalculated my due amount, and that had triggered interest capitalization. I asked them to undo this because I had not missed any payments. In fact, I had been making extra payments and had asked for an earlier due date than previous. They said nothing could be done. 

I filed a report with the Office of Consumer Advocacy from PHEAA. I had been working with a representative who also had difficulty understanding the increase in my balance. According to her, there should not have been a capitalization. She said that she would contact the Dept of Treasury. My last contact with her was on XX/XX/XXXX and the office has no longer responded to my emails or calls since. 

I am attaching my last correspondence with the PHEAA Office of Consumer Advocacy in XX/XX/XXXX, and the two bills that show the difference in the principal amounts.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I disputed the late payment from XXXX XXXX  XXXX. In the amount of {$140.00} due to fact that I was never late on my payment. The company refused to remove this from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I mailed a check for {$250.00} to Ally Lending for a loan payment that was due XX/XX/XXXX. On the XXXX I received an email from them stating that they had not received payment and I was late. I called and made the payment over the phone. After that, they received and cashed the check. Since then I have also mailed in a payment for XXXX. I called and asked if I could skip the XXXX payment since I made XXXX payments in XXXX, and they said no. They said that even though I was fully paid through XX/XX/XXXX, if I did not make an additional payment in XXXX, they would mark my account as delinquent. It does not seem right to me that they could put my account in delinquent status when they also admit that I am fully paid up through that time. I think something should be done about this unethical business practice. I also was not notified that they had cashed the check, and if I had been on a tight budget, making XXXX payments during the time that I was only supposed to make one would have caused me a financial problem.
Product: Debt collection

CitiBank is trying and continues to collect on a debt ( s ) that CitiBank is unable to validate up to date. 

I sent CitiBank a sworn affidavit dated XX/XX/XXXX via certified mail to perform Debt Validation on 2 accounts. Per 15 USC 1692 et seq., to provide verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against me. plus additional stipulations. ( copies attached for reference ) CitiBank mailed a generic letter dated XX/XX/XXXX addressing only 1 account. The generic letter states " they believe '' the debt is valid and provided basic references only, a copy of the alleged originated debt, and standard account statements. ( CitiBank failed to rebut the affidavit point for point as stated in the letter ) I sent CitiBank an affidavit of Opportunity to Cure via certified mail dated XX/XX/XXXX due to CitiBank failing to honor the stipulations of the Debt Validation Affidavit. I gave CitiBank an additional 10 days to rebut my affidavit and response via sworn affidavit, verified and/or affirmed by a signature under the penalty of perjury. ( copies attached for reference ) 10 days have passed and CitiBank failed to respond. " Silence is Acquiescence, Agreement, and Dishonor ; XXXX  conditions apply upon default ''. I sent Citibank an affidavit of Default in Dishonor Notice dated XX/XX/XXXX and delivered via certified mail dated XX/XX/XXXX. By dishonoring all offers by me, the alleged liability is hereby discharged resulting from the dishonor from CitiBank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to remove an unauthorized hard inquiry from NISSAN MTRS ACCPT IFS # 1 that occurred on XX/XX/2020. This hard inquiry was initiated without my knowledge or consent. Please remove the inquiry as soon as possible. 

Institution Information NISSAN MTRS ACCPT IFS # 1 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Actions I have taken : I have called ( XXXX ) XXXX and ( XXXX ) XXXX for assistance and sent emails to XXXX, however this issue has not been resolved. 

Attachments : I have attached my XXXX  credit report and my XXXX  report from XXXX. 
The hard inquiry from NISSAN MTRS ACCPT IFS1 is located at the bottom of page 39 and the top of page 40 of the XXXX   credit report. 
The hard inquiry from NISSAN MTRS ACCPT IFS # 1 is located at the top of page 14 of the XXXX  report from XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized applications have been made in my name, leading to fraudulent inquiries on my credit report that I did not authorize. These inquiries have negatively impacted my credit score. I contacted the bureau, and a representative assured me they would be removed, yet they still appear on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

taking more than 30 days sent po report, id theft letter and inaccurate information violation of my rights
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 with 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: Vehicle loan or lease

hello, I was getting ready to ship into XXXX XXXX for the XXXX XXXX. I pay my auto loan through citizens one, I went to a bank branch to personally speak with someone to get a three month deferment for while i was away for XXXX XXXX, they agreed to help me with it, they asked for my orders which they received and told me it would be taken care of. I came home early for health reasons four weeks after the deferment should of already taken affect. then come to find out I have " delinquent charges '' for not paying and that the company had no notes or anything regarding my request. several Points were removed from my credit score and I would like to see them recovered considering I was physically unable to make my payments and the company didn't do what they promised to do.
Product: Credit reporting or other personal consumer reports

SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was forced to send letters again on XX/XX/21, in regards to a inaccurate, unverifiable, and unknown accounts on my credit report. I have filed an FTC report because I have still not received the information that I asked for with the paperwork that I keep requesting. I even offered to pay some of these accounts off just to get them off of my credit even though they have never proven that these accounts are mine. You are only supposed to report information that is 100 % accurate, complete, and verifiable. This information is not accurate, they have not verified it, and it is reported incompletely. I feel like they are taking advantage of me and ignoring my disputes. I have went to the XXXX  and have filed an FTC report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have asked multiple times for an original application with my signature on it and have been ignored every time. Please remove these accounts immediately because it is hurting my ability with banking and receiving financial assistance. I really cant believe they are taking advantage of me like this. They are ruining my credit and my life. I have sent the FTC report to each bureau as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 reporting, credit repair services, or other personal consumer reports

Accounts keep coming back on to my credit report that was included in my bankruptcy case. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, COMMONWEALTH OF VA. I SUMBIT A DISPUTE, XX/XX/2020 TO THE COMPANY 'S AND ALL 3 CREDIT BERUES.
Product: Mortgage

Back in 2017 myself and my family were going through a hard time. We called our mortgage provider, Wells Fargo and they advised we could put out loan in forbearance. When that time was up and we called they denied me a loan modification and in the end they foreclosed on my home and myself and my family were devastated. It was my first home and just gone because we were not given the option of a loan modification.
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.

U S DEPT OF EDXXXX ( 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 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 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

Please see file attached called " Letter for XXXX  and Equifax. 
for a complete description, with all required information with additional documents attached. 

This was also sent to XXXX XXXX today, through XXXX XXXX Mail. 

XXXX XXXX requires to include by mail, the personal information that C.F.P.B. instructs us not to include here, so the attached letter contains that personal information, but I decided to prepare a new version for the C.F.P.B. 
to be included here for Equifax and XXXX, which does not include the personal information. 

The document called Scan 3, is a copy of a cover letter provided by a bank officer from XXXX XXXX Branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX P.R. It was just one of the communications I sent through the same Bank branches and bank officers about this, proving I always kept contact. Other communications, not all, appear as documents called " XXXX XXXX '', the central office XXXX Officer assigned to my case. 

The Petition for Rehearing at the Supreme Court, which was denied last XX/XX/XXXX, just as much of the 7,000 to 8,000 Petitions they receive was also included, identified by a too long autogenerated number for its PDF file. 
The Document called Rehearing Denied shows what the Supreme Court of the U.S.A. 
shows publicly, but they decided not to post everything. 

A page appears at the Supreme Court website saying additional information is available at the Clerk 's Office, showing additional info. not shown, like : XXXX XXXX  's attorney motion to substitute XXXX as defendant on my Lawsuit, for XXXX XXXX, the one who granted me the loan to update the XXXX  Loan back in XX/XX/XXXX, because they said, now XXXX XXXX  owns XXXX XXXX Puerto Rico, because they purchased it : But, the fact is XXXX XXXX still exists nearly anywhere in the world, but not anymore in Puerto Rico. 

I only sued XXXX XXXX  : the same judge of the incorrect opinion, denied this motion to substitute party to XXXX bank, as shown and included, as Document 162 main.

The document called 2 letters XXXX XXXX, shows a recent XX/XX/XXXX letter, where in XXXX, XXXX XXXX  XXXX XXXX XXXX makes reference to another included letter in English, where they wrote XXXX account status is mostly responsible for the adverse credit decision, denying me a loan back in XX/XX/XXXX. 

Thanks
Product: Credit card

I have a XXXX XXXX XXXX through Macy 's Credit Services. After experiencing several fees, one late payment ( I have a 700+ credit score ) even though payment was made on-time, I decided to close this account. 

I was unable to get anyone on the phone so I reluctantly decided to close the account using their automated number. At the time I did this, approximately 6 weeks ago, I assumed the account was closed. I was then surprised to see another bill sent to me with a {$2.00} balance. 

I called today ( XX/XX/year> ) and tried again to get an agent on the phone. After approximately 20 minutes between two phone calls it became apparent that speaking to a person was not an option. 

I need this account closed and any derogatory information that is reported to be removed from my credit. 

I now understand why store cards offer discounts on purchases. They get the discount back through bogus fees. XXXX XXXX should be held liable for who they do business with. This is a Macy 's issue but XXXX XXXX enables Macy 's to charge deceptive fees to the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the  payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX -- XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- 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 An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Vehicle loan or lease

Ally auto is a fraud company that was charging XXXX XXXX the highest interest rate without even checking there credit score. Also reporting inaccurate information to the credit report company. My car is currently totaled out and on my credit report its showing that the car is repossessed. I have contacted them to change it yet they have n't. Also I got the car reappraised and their refusing to accept the new estimate. My car is still showing the high interest rate on my car.