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

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am not aware of this debt owed. I just received a notice through XXXX  an account was placed in collection. There isn't an account number listed so XXXX will not allow me to dispute the debt. How could an account just be placed from a 3rd party that does not include an account number, does not include of a full name of the agency and without any notice to me.?
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  XXXXXXXX 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

On XX/XX/2021 I sent a letter regard inaccurate and unauthorized information reporting on my credit report. Since then, XXXX  and XXXX  have removed this items listed in the document attached. You are the only agency reporting this inaccurate item. I feel like I am taken advantaged and disrespected. I also think that my disputes have possibly gotten into the wrong hands of someone do to the inability to correct this noticeable issue. Please remove items immediately or filing for litigation will be the end result due to all of the anxiety this issue has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing these incorrect items on my account for a long time, and the XXXX credit bureaus and the creditor have yet to respond. On XX/XX/2022, I submitted a new dispute with the XXXX agencies regarding various wrong items. Still, I had received no response after a month, and they refused to delete the inaccuracies from my credit report. These faulty items are still trying to collect the following amounts from me : {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inexact manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

How I can fix this?? 
I have several reports I dont now why!! 
My interests is resolve anything but is to much money. 
Is posible fix my credit?
Product: Credit reporting or other personal consumer reports

in XXXX of XXXX  during a difficult time with lost. I went into my account online to make the payment I was very new to online payments at that time. Some sites you have to scroll down to submit payments and others you do not. I did not scroll down to hit the submit button for the payment to go through. And I missed the payment for that month but technical support departments of these companies can go into there sites and see that a person went into their account and XXXX XXXX  did tell me they saw where I had went online in a mannerable time and saw that I just did not scroll down and hit the submit button, but they refuse to excuse the 30 day late. I did not receive a text email nor a phone call. from XXXX XXXX XXXX XXXX regarding the missed payment nor a past due reminder. I was never late before that the company did not look at the pattern of my payments. They put the 30 day late on my credit report and I have requested many times that they remove the 30 day late from my credit report, but, they refused to remove it each time I requested it. 

It been 6 years now. and XXXX XXXX  said they will never take it off
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Trans Union and XXXX and experian About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 

15 USC 1681 ( a ) accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.
Product: Credit reporting or other personal consumer reports

A charge off is considered a certificate of indebtness which means it is income and must be removed. This is also violation of my privacy under the Privacy Act of XX/XX/1974
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED In accordance with the Fair Credit Reporting Act The list of account below has violate me federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HOW WAS THIS INFORMATION VERIFIED AND/OR DISCLOSED, ON WHAT DAY AND BY WHO? 15 USC section 602A states i have a right to privacy. 15 USC section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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. 

I ONLY have one name XXXX XXXX XXXX, XXXX phone number XXXX, and XXXX employer- United States Postal Service XXXX XXXX address XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX fl XXXX
Product: Credit card or prepaid card

My identity was stolen when I was XXXX I put out a police report even sent it to XXXX system no accounts in XXXX  that were closed for someone doing fraud on them should still be saying open. I contacted Bank of America it has berm hard I tried to even get my account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between credit reports that I have from Equifax dated XX/XX/XXXX and XX/XX/XXXX, Equifax added the numeral 2 as a suffix to my name. I have requested that they remove the numeral 2. I can not get into the web site as they only show valid suffixes as roman numerals, i.e. II. In other words no way to input a 2, using roman numeral does not work. 
I have never had any suffix. Both Equifax and XXXX have no suffix for me. I have provided Equifax copies of drivers license and social security card. still they will not correct what they did in error. 
This is their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretense that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of item which is UNKNOWN to me : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a collection reported on my credit report that occurred approx. 14 years ago. It was removed from my credit report many years ago. However, it has now been placed back on my credit report, with a different creditor and a different collection agency. When I contacted the agency they advised that they account had been sold and they were now attempting to collect the debt. I believe in Florida the SOL is 7 years. I can not recall the original creditor, I believe it might have been XXXX XXXX. It is now reported as XXXX XXXX XXXX. Collection Agency : Midland Credit Management Inc., the outstanding amount owed is XXXX They continually call me and send me letters with offers to pay 20 % and 40 % of the outstanding amount due. I would really appreciate any assistance you can provide to have this resolved. Thank you.
Product: Mortgage

Regarding : Rushmore Loan Management Services During Covid-19 I lost my job and called to see what the options were in XX/XX/2020. They told me to fill out the form and that someone would call me back within 10 days to discuss my options. 

After not getting a call back, I called them to ask about what would happen. The disrespectful and worthless person ( still a human but worthless because they did not know anything and could not help me because they did not have any information at the time because blah blah blah excuses ) that picked up the phone could not answer my questions. When I asked to speak with a manager they forwarded me to an answering machine and I left my contact info. After not getting any call backs I called them again and got another worthless person that sent me to the voice mail of another manager that was not available. 

Whom can I talk to about my options that does know what they can do and knows about the legislation enough to solve my issues? Or even more simple, who works at Rushmore that is polite and knowledgeable and able to pick up the phone? Customer service is not their strong suit!

Seems that they want to put me on forbearance and ding my credit report with a forbearance note that will hurt my credit In case I need to get a business loan in the future. Also they dont know if my payments will be required to be paid in full on the fourth month or if they will make me refinance or simply tack the payments on to the end. For that I would have to wait until the end of the three months and see if they decide one way or the other. Unfortunately, I need an answer now to plan correctly.

Additionally, the letter that was sent out to me says that my payments are past due, even though my payments are current. The person on
the phone said its just a generic form that was filled out ... and yet, if I sign and agree to it, they can say but you signed it and I would be the one on the hook. Not right!
Product: Money transfer, virtual currency, or money service

I received a message that cash app was closing my account. I sent them a message to investigate this claim and they emailed me stating I violated their rules by committing fraud, loitering etc when my transactions are XXXX, church, business or friends. Its linked through my bank account and legitimate. 

I told them that but they refused to reinstate my account
Product: Debt collection

Navient, who apparently is a debt collector, has called my home for the past 3+ months, 2 times every single day about debt for a person that is not in my family. They leave messages about this person who apparently has debt and request that i call them back, 2 times a day around XXXX and around XXXX, every day. Me, nor my wife, nor my XXXX XXXX  daughter have have ever had any school debt, and both of us are college grads and I'm a XXXX. I have a common last name apparently. They are violating FDCPA law by leaving messages about someone else 's debt on my phone and asking me to return their phone call more than once, which they do every single message, 2x a day. I have emailed them asking them to forward my email to their legal dept to remove my phone number from their system and today I receive a message, case closed, with no action. I'm tired of deleting 14 messages every week and more tired of listening to them call at XXXX every nite when I'm with my family.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the account be deleted from my file.

Additionally this is a business credit card which means it was opened using an EIN number rather than a consumer 's SSN, placing it on a file a willful disregard for the law rather than simply negligence. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1681e ( b ) to name just ONE of the violations.

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX XXXX XXXX Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this problem back in XXXX over 60 days to Transunion and XXXX  and still have not received a response back yet. The problem I am having is on my Transunion and XXXX  credit report there are late payments listed on my XXXX XXXX account from XX/XX/2019. On my XXXX  report for my XXXX XXXX account for XX/XX/2019 the payment status is marked current. The information does not match on my 3 credit reports which they must match to maintain accuracy, XXXX is the correct account that shows accurate information. I would like to update Transunion and XXXX  to match my XXXX  payment history from XX/XX/2019 on my XXXX XXXX account. I attached a copy of my credit report with the incorrect information highlighted as well as the correct information highlighted. According to section 609 of the Fair Credit Reporting Act it is a federal law that credit reporting agencies report accurate information that matches with each bureau. It is also that law to respond back within 30 days. Both of these laws were broken so I demand that you fix the payment information from XX/XX/2019 on my XXXX XXXX account to current to match XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to address serious concerns regarding the inaccurate reporting of my financial transactions and experiences to consumer reporting agencies, as well as the violations of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2.

Upon reviewing my XXXX, XXXX, and TransUnion consumer reports, I discovered that XXXX has reported a some late payments. However, this reporting is in clear violation of the FCRA. According to 15 U.S. Code 1681a 2 ( A ) ( i ), consumer reports do not include information solely pertaining to transactions or experiences between the consumer ( myself ) and the entity making the report ( XXXX XXXX ). 

The law explicitly states that transactions or experiences between the consumer and the reporting entity are not to be included in consumer reports. Therefore, the reporting of a late payment directly contradicts this provision of the FCRA. As such, you have violated the FCRA 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2 by inaccurately reporting this transaction on my consumer report.

Furthermore, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. It is prohibited to furnish information if the person knows or has reasonable cause to believe that the information is inaccurate. By reporting a late payment when no such transaction occurred, you have knowingly provided inaccurate information to consumer reporting agencies.

I am formally putting XXXX XXXX on notice that the continued reporting of this inaccurate information constitutes a direct violation of the FCRA and your responsibilities as a furnisher of information. You have caused significant harm to me and my family through your negligent and inaccurate reporting.

Therefore, I demand that you immediately delete the erroneous late payment from my consumer reports within after receiving this notice. Failure to comply with this demand will result in legal action being taken against your company. I will seek actual damages for the harm caused by your failure to comply with the law, including but not limited to defamation of character, negligent non-compliance, civil liability, mental anguish, and violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) .Furthermore, if the late payment is not deleted within the stipulated timeframe, I will pursue arbitration to resolve this dispute. I reserve the right to pursue all available legal remedies to address this matter.

Do not send me any correspondences regarding this matter unless it is to confirm that you have complied with the applicable law and deleted the inaccurate late payment from my consumer reports.

I expect prompt and satisfactory resolution to this matter.
Product: Debt collection

I am filing a complaint against Capital One regarding inaccurate reporting on my credit report. The discrepancies involve the reporting of an account as charged off while also showing a monthly payment amount, which is misleading and inconsistent. 

Basis of the Complaint : XXXX. Inconsistent Reporting : The Capital One account is reported as charged off, yet a monthly payment amount is indicated. This dual reporting is not only confusing but also violates the Fair Credit Reporting Act ( FCRA ). 
XXXX. Legal Violation : I believe Capital Ones reporting violates the FCRA, which mandates accurate and fair reporting of consumer credit information. The conflicting information negatively impacts my credit report and financial standing.