23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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

I have disputed 10 late payments with Capital One as shown in my attached dispute letter. These payments were all initiated before the due dates in 2022 but posted late due to USPS delays. Capital One has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report. 

Report # XXXX. XXXX previously removed, but re added later.
Product: Debt collection

I tried to dispute through XXXX and get it removed because of its inaccuracy .This company is claiming I owe {$11000.00} I have original bill states I owe XXXX $ statement date XX/XX/20 I feel like this company is taking advantage will be seeking out to a attorney if this is not resolved the proper way
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 XXXX : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Student loan

I contacted Navient about two years ago to lower my monthly payments since I had just lost my job. I asked the associate what could be the lowest amount I could possibly pay. The associate gave me a number and we agreed that that would be my new monthly payment. I just recently logged on to the web-based account and found that for the last twelve months, the entirety of my payments were going only to interest and none of it was going to my principal. I feel that the associate steered me in the wrong direction and it seems like they did not care about my financial troubles at that time. If I knew that my payments would only be going to the interest, I never would have lowered my payments by that much.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX continue to report inaccurate and false information. The account they continue to illegally display on my report was protected by the CARES ACT during the covid XXXX pandemic, as well as fcra laws. 

Bank of America XXXX is the account in question. 


According to Section XXXX of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section XXXX of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with XXXX and XXXX, but to date, no action has been taken to correct the inaccuracies on my credit report. Bank of America and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX and XXXX, have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX and XXXX, take immediate action to remove the inaccurate account from my credit report and to comply with their obligations under the FCRA. If XXXX and XXXX, fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

Currently XXXX will not allow me to speak to anyone on the phone and making it extremely difficult to file a dispute or request info. Which is fraudulent behavior. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Product: Debt collection

I received an invoice of {$730.00} that is not mine. I haven't even visited that state. I have been living in Wisconsin since I moved from XXXX XXXX in 2017.
Product: Debt collection

Going on about two months ago now I've been trying to dispute a debt that is not mine with there company, Adler Wallach Associates Inc ( AWA ). I have sent this company multiple letters to address the erroneous debt on my credit report and they refused to reach back out to me. I first notified by mail on XX/XX/XXXX, then tried to reach out to them by mail also twice on XX/XX/XXXX, and XX/XX/XXXX. FTC law requires a company to reach out within 30 days or the company will have to remove the remarks from one 's credit report. this company has failed to reach out to me and have the audacity to increase the debt from {$2400.00} to {$2400.00}. Looking at the reviews on XXXX, I'm not the only consumer having issues with this company and I'm addressing that because its clear that breaking the law and do not care.
Product: Debt collection

COLLECTION MANAGEMENT put a fraudulent debt collection on my credit report for {$1200.00}. I havent went to anything medical for this debt to be accurate. the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have already tried to do this before with a different 3rd party debt collection company that i made a complaint on here about and it turned out to be fraudulent and it got removed from my credit report so theyre trying to do it again. I have XXXX knowledge of either of these companies.This needs to get removed from my credit report IMMEDIATELY. COLLECTION MANAGEMENT address and phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I bought the XXXX ( my first transaction ), and Coinbase froze my payment method because my bank didn't allow the transaction. I called the bank on the second day and resolved the issue, but Coinbase ignored my support messages for 10 days ( case XXXX ). I repeatedly tried to reach out to them via their support and twitter. I got responses from twitter that they're working on the support case and will be in touch. From their support, I received multiple bot-generated emails that I need to pay the balance, but despite multiple requests, they ignored my pleas to lift the payment method freeze. After 5 days they sold the currency, and after 7 days they lifted the bank freeze. Because they sold the currency, I am stuck with the $ XXXXsomething fee that I " owe '' them. 

My experience with their support has the XXXXXXXX XXXX XXXX   First, I ask them to lift the freeze, they ignore that and send a bot-generated email to pay the balance. Of course, I couldn't pay the balance without them lifting the payment method freeze, and I reach out again to lift the freeze - and I get the same bot-generated message again. It's surreal. 

Neither I nor other customers who stuck in this loop are responsible for any bogus fees associated with Coinbase 's inability to run their business. I reached out at least 5 times via email and twice via Coinbase XXXX support to deal with this problem. They didn't address it.
Product: Debt collection

Received an invoice from Apex Asset Managment ( a collection agency for XXXX XXXX XXXX ) on XX/XX/XXXX, claiming a payment due of {$22.00} for services from XXXX XXXX XXXX in XX/XX/XXXX. 

I wrote them a letter on XX/XX/XXXX informing them that I had paid all invoices presented to me from XXXX XXXX XXXX, had never received a late notice or invoice represented by these amounts, and requested additional information. I copied XXXX XXXX XXXX. 

I received a second invoice from Apex Asset Management, noting they have not received a response from me. I have not received any response from either Apex Asset Management or XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX XXXX  has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB  the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXX/MONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX  and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as TRANSUNION is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXXIS REPORTING INACCURATE INFORMATION UNDER XXXX this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or XXXX XXXX.
Product: Money transfer, virtual currency, or money service

It says PNC will not authorize a link to my debit card to round up change and add it to my XXXX  account for investment
Product: Debt collection

Resurgent capital has been reporting. A fraud account on my credit. I have sent them overwhelming documents proving this account is fraud and yet they keep saying it is verified as mine. I've asked them to send me proof that this is supposedly mine and all I get is a generic answer and a billing statement from the original creditor. This does not prove this is my account only that there is a billing statement! I can not file a police report due.to the age of the fraud account. Its beyond 3 years!! This is an account from XXXX  and can not by law be reported nor collected on due to the statute of limitations on Louisiana debt collection. My local State Atty General office was contacted to be made aware of this and I was told that they reached. Out to XXXX. THIS NEEDS TO BE REMOVED ASAP!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Collection Account with XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following collection account reported on my credit file : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$570.00} Status : Collection account, updated XX/XX/year> Basis for Dispute : 1. No Contract or Agreement I did not sign or authorize any agreement establishing this alleged debt or consenting to the transfer of any debt to a third party. I request verification of this collection account under 15 U.S.C. 1681i ( Section 611 of the Fair Credit Reporting Act ), which requires credit reporting agencies to ensure the accuracy and validity of disputed accounts.

2. Validation of Debt Required As per 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ), I am entitled to validation of this debt. Please provide : A copy of a signed agreement or contract with XXXX XXXX. 
A detailed itemization of the debt explaining how the {$570.00} balance was calculated. 
Documentation showing I was notified about the transfer or assignment of this account to collections. 
3. Inaccurate and Incomplete Reporting This account appears incomplete and unverifiable. Reporting a balance without providing supporting details, such as payment history, terms, or assignment records, violates 15 U.S.C. 1681s-2 ( Section 623 of the FCRA ), which requires data furnishers to report accurate and complete information.

Connection to CFPB Lawsuit : I have become aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian, which highlights systemic issues in the companys credit reporting practices, including failing to investigate disputes thoroughly and continuing to report inaccurate information. My experience mirrors these allegations. I have not received any information or verification regarding this matter, and Experian continues to report this account without verifying its accuracy or validity. 

This lack of due diligence violates your obligations under the Fair Credit Reporting Act and further underscores the concerns raised by the CFPB. Experians failure to resolve this dispute in compliance with federal laws has caused unnecessary harm to my financial standing.

Actions Requested : 1. Investigate and verify the accuracy of this account.

2. Provide all documentation substantiating the validity of this collection account, including a signed agreement, detailed account records, and proof of assignment or authorization.

3. Remove this collection account from my credit report if it can not be verified in compliance with the FCRA. 

I respectfully request that all correspondence regarding this matter be sent to me in writing through mail only at the address listed above. Please do not contact me by phone or email. 
I request that Experian complete this investigation and provide a response within the 30-day timeframe outlined in the FCRA. 

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given Experian written instruction/permission to report the adverse account status of XXXX, XXXX XXXX, Charged off as bad debt Profit and loss-write-off. Also, remove all late payment, and charge off information from payment history. In accordance with U.S.C Title 15 1681b. ( a ) ( 2 ) I very respectfully place Experian on notice that your agency may not furnish any adverse status information pertaining to XXXX XXXX ( ACCT # XXXX ) pursuant to U.S.C Title 15 1681c. 

I very respectfully Experian on notice that status information of Derogatory, Collection/Charge Off, Charged off as bad debt Profit and loss-write-off, pertaining to XXXX XXXX ( ACCT # XXXX ), is in fact adverse pursuant to U.S.C Title XXXX XXXX ( G ) ( i ).
Product: Vehicle loan or lease

( 1 ) Navy Federal Credit union has failed to comply with THE TRUTH IN LENDING ACT and has created a deceptive form to undermine the laws put in place to protect consumers. NAVY FEDERAL CREDIT UNION ( NFCU ) failed to disclose to me, XXXX XXXX, a federally protected consumer my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. 
( 2 ) NFCU failed to disclose to me, XXXX XXXX, a federally protected consumer a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. 
( 3 ) NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given to me by NFCU and not extended.

( 4 ) NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning.

( 5 ) NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit.
Product: Debt collection

This was an amount placed on my report due to a health club not allowing it's customers to cancel their memberships. 

I cancelled this account on XX/XX/2016 in person at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX When I told them i was cancelling my membership they said I can not do this in person, and I needed this in writing. I was not happy that they allow you to sign up in person but refuse to allow you to cancel your membership in person. 

I told them this was not above board and may be illegal. I went home and brought back a signed and dated document that stated I was enjoy my membership of lifetime. Since this was a month to month agreement I told them to not charge me beyond 30 days of this date. The front desk employee told me that her owners stated that there had to be a verification system through a third party vendor to cancel my subscription. I asked for this information. They said you can not call them, you can only email this information. 

I said let me get this striaght, I can not cancel this in person or in writing and the only way to cancel this is to email this third party service? 

I emailed the third party service many times and they never returned my emails. I spoke to others who had the same problem with the same company. 

The owners kept trying to bill me and then sold this debt to PROCOLLECT at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Texas XXXX I presented this to the original creditor and they agreed with me. They said they changed their protocol and cancellation policy due to the overwhelming number of complaints. But PROCOLLECT continues to robocall me every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE FRAUD ALERT FROM MY PERSONAL CREDIT REPORT.
Product: Vehicle loan or lease

I co-signed for a loan on a used car with the auto loaner Santander. The head of the account became defaulted on the loan against my knowledge. I never received any correspondence from Santander regarding this unpaid car payment. The car was later repossessed and I did not receive any notices regarding reinstating the loan or the sale of the vehicle. No notice of default, no notice of redemption/reinstatement, no notice of sale and to this day, still no notices of post-sale deficiency. Had I known anything about this going on with the account I could 've tried to avoid the repossession all together. Now this deficiency is on my credit report. I still have not received any written correspondence from Santander. Pulling my credit report is the only proof I have of the deficiency. Because of Santander 's failure to contact me, I am now being held liable for the deficiency at no fault of mine because I was not aware of the defaulted loan, the repossession or the sale of the vehicle. I am pretty sure Santander will try to come up with something to fight my complaint. I would like for them to please provide a signed copy of the initial contract, copies of the legal notices sent out regarding this account and proof of the resale of the subject vehicle.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX