23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

HSBC has a derogatory account listed on my credit report. The account remarks state " paid after charge off to third party collections. '' I called HSBC to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I summitted a complaint with the CFPB complaint id XXXX, in response to my complaint Equifax stated that these accounts were verified and that it has completed its investigation, including contacting the furnisher of the information where applicable but how is that possible if a proper investigation did not take place. According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Equifax DID NOT fact interview with my neighbors, friends, family, or associates who may have such knowledge concerning any such information. Equifax stated that they verified the information directly from the creditors, but the laws say such information SHALL NOT include specific factual information on a consumer credit report obtained directly from the creditor. 

The Congress makes the following findings, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 U.S.C section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written instruction. This is a violation of my privacy according to section 602 A of this title.

These accounts should not be furnished on my consumer report as they are a violation under 15 U.S.C 1681b, I never gave any reporting any consumer reporting agency WRIITEN COSENT to report anything on my consumer report which violates my right as a federal protected consumer.

15 U.S.C 1681s-2 ( A ) ( 1 ) A personal SHALL NOT furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Due to the improper investigation that took place serval times, as a consumer I am demanding you block and delete these accounts from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally dispute a late payment entry that appears on my credit report for my XXXX XXXX XXXX account issued by XXXX XXXX,. After reviewing my report, I believe this entry to be inaccurate and am requesting a correction in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.

According to FCRA guidelines, consumers have the right to accurate information on their credit reports. Based on 15 U.S.C. 1666 ( Fair Credit Billing Act ), there appears to have been a billing error leading to this late payment mark. Under FCRA Section 605B, it is unlawful for a credit bureau to include information that results from identity theft or unauthorized activity on a consumers credit report once the consumer has identified the issue and requested a block of such information. I am formally requesting that this late payment entry be blocked from my report, as it may have resulted from inaccurate reporting or unauthorized account activity. I am prepared to provide any necessary documentation to assist in the investigation of this entry. Additionally, under 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), I am requesting confirmation that my personal information has been handled appropriately in the process.

Please see the details below : * XXXX XXXX : XXXX XXXX XXXX issued by XXXX XXXX * Date of Late Payment Entry : XX/XX/XXXX - XX/XX/XXXX & XX/XX/XXXX * Disputed Amount/Details : Incorrect late payment reported on my credit report I request that you investigate this matter and remove any inaccuracies from my credit report. Please notify me in writing of your findings and actions taken within 30 days as required by law. If additional information is needed to facilitate this investigation, feel free to contact me at the above phone number or email.

Thank you for your attention to this matter. I look forward to a resolution that results in an accurate representation of my credit history.

Sincerely, [ XXXX XXXX ]
Product: Vehicle loan or lease

THIS IS NOT A DUPLICATE. RESUBMITTING COMPLAINT SINCE DOCUMENTS WOULD NOT LOAD IN LAST ONE. Santander Consumer USA has repeatedly violated my Consumer rights, and right to operate in commerce. I purchased a vehicle as a consumer transaction back in XXXX using my social security number. My social security card/number belongs to the Social Secuirty Administration and anything purchased with your social is the obligation of the United States in accordance to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The FDCPA 15 USC 1692 never uses the term Borrower. I can not borrow my own money. Santander Consumer USA has referred to me as a Borrower in contract which is a violation. The only one who can extend credit is the one creating the debt, which is done with the use of my social security card/number. Banks can not loan money, it is illegal for a bank to loan money or extend credit. I have expressed these violations through mail which Santander Consumer USA has stated on record they received. I submitted an affidavit of truth, cease and desist granting my title lien free, an invoice of {$3000.00} for violating my federal protected consumer rights, and a debt validation letter. Santander Consumer USA has yet to provide me with a sworn affidavit of truth or a proper debt validation letter which again is in violation of 15 USC 1692. I have the right to request any and all debt validation. Santander Consumer USA has a clear and blatant disregard for federal law and continued to send me statements requesting to pay an alleged debt on a consumer transaction XXXX another violation of 15 USC 1692 ) and are now threatening to repossess my vehicle which will be theft. I have also expressed my Consumer right to demand all reporting to consumer and credit retorting agencys must cease and desist, and that demand has not been met. Santander Consumer USA is actively damaging my reputation and in violation of the FCRA 15 USC 1681.
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 Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

I saw inaccurate information on my credit report. XXXX XXXX XXXX  is showing a late payment remark. I was never late on this account. I always pay my obligations on time.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to the transunion XXXX and XXXX on XX/XX/XXXX to verify my credit completely they all stated they did and everything was correct but I still see incorrect information on my report thats incorrect
Product: Debt collection

In XXXX i contacted Santander about my auto loan account. I have the 1099C form that shows the account was discharged in XXXX. They continued reporting on this account since that time. In XXXX it was showing up on my credit report so i contacted them again and they stated i needed to pay {$750.00} to take care of the account. I now have a 1099C form with the same account number and everything for this as well. I reached out them recently about this as they are double collecting on the same account and they are refusing to refund the {$750.00} that i paid them in XXXX.
Product: Credit card

I have had a XXXX credit card with Chase since 2008. I use it regularly and always pay the full monthly balance. They charged me my annual fee of {$60.00} in XXXX. 
I have already paid my XXXX balance in full. 
Today my credit card was rejected. When I returned home and checked online, it said my account was closed. I called Chase and was told they can not give me a reason or tell me who or why it was closed. They said it is their prerogative. That the only way I can request information is writing and sending a written request to a Chase address they gave me in XXXX. 
I am leaving town Wednesday and will need the credit card for travel expenses as well as have regular incoming bills that are automatically charged to Chase and a charge I have already given to my XXXX to be charged to Chase. 
It is frustrating and inconvenient to be treated with little regard by the banking industry. 
Besides an explanation, I want my full {$60.00} fee returned and do not want this to affect my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Debt collection

I am following up on a collection notice I received stating that I owed unpaid rent for XX/XX/XXXX in the amount {$1100.00} due to me moving or lease termination. I am still living at the address in question uninterrupted since XX/XX/XXXX and have not missed any payments. 

I previously addressed this issue in court in XXXX and the case was dismissed since I did not owe the funds. I was unaware the collection remained until completing an application to rent another property and I was contacted by mail from a collection agency trying to collect on the same debt.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX ( Original Creditor : XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) # XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

My loans are with Mohela and I am eligible for PSLF. The qualifying payment count is much lower than it should be because they are not counting several timeframes for which I have certified eligible employment, even though my employment certification forms were approved by Mohela. Mohela refuses to update the qualifying payment counts, and I can't reach anyone in their organization who can help with this. 

I also have XXXX separate loan sequences, and the qualifying payment count is different for each of them even though they should all be the same. The reason for the discrepancy is that for a given timeframe, employment certification is recorded for some of the loan sequences but not others. Some of these timeframes that are not showing up as " qualifying '' fall during XXXX forbearance - these timeframes should be automatically counted as qualifying payments due to the special waiver, especially as I have also certified eligible employment during those timeframes.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a  host of others.
Product: Debt collection

Debt validation not provided. Copy of statements don't furnish as proof of original certificate of indebtedness. I did not provide any consent for my personal information to be shared with this party AMEX is in violation of privacy act of 1974 also 15USC1681b. This law firm has no NMLS ID to collect in the territory of CO. They are not a debt collector they are a private firm intimidating consumers to pay a debt that hasnt been proven. Wet signature and distribution of funds have not been proceed as well as internal records showing ownership of such debt. Securities fraud has been done by AMEX and FTC report has been filed
Product: Debt collection

XXXX XXXX XXXX XXXX  is stating that I owe {$1800.00} through AB RCY SVS. When I stayed in the property ( XXXX XXXX XXXX XXXX XXXX XXXX ) the apartment had a leak that resulted in an extensive amount of mold that caused XXXX issues, trouble XXXX  and other XXXX symptoms in me and my spouse. I informed the office numerous times about the issue however their was no sense of urgency. Due to me becoming ill and the properties lack of concern I moved. I was informed that I wouldn't have a balance due to the extent of the apartment and the consistent inconvenience I experienced when I inquired about cancelling the lease. I don't think it's fair that I have to pay rent when I was living in an inhabitable living conditions when they failed to address the growing mold problem.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reinsertion of previously deleted information on my credit report, specifically pertaining to an account with XXXX XXXXXXXX XXXX. This reinsertion is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

Background : Last four of my social is XXXX Account in Question : XXXX XXXX XXXXXXXX XXXX Account Number : [ Account Number ] Date of Original Deletion : XX/XX/year> Date of Reinsertion : XX/XX/year> Credit Report Reference : Transunion Violation of FCRA : According to Section 611 ( a ) ( 5 ) ( B ) of the FCRA , if a credit reporting agency ( CRA ) reinserts previously deleted information, it must adhere to the following requirements : Certification from Furnisher : The CRA must receive certification from the furnisher of the information that the item is complete and accurate.

Notification to Consumer : The CRA must notify the consumer within five business days of reinsertion.

To date, I have not received any notification from your agency regarding the reinsertion of this account information. Furthermore, I question whether proper certification from XXXX XXXXXXXX XXXX was obtained prior to this reinsertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information. It has recently become known that Equifax 's database was breached, putting myself and millions of others at risk. Furthermore, in spite of knowing about it for some time, Equifax made little attempt to notify me. This has now has cost me several hours, and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from any company, especially one I have never chosen to do business with. 

Please take prompt and decisive action to ensure that something like this does not occur again.
Product: Debt collection

Starting XXXX  XX/XX/2022 and then XXXX  XX/XX/2022 this company called and told me to call back at this number : XXXX and they had the words " I repeat '' in the message. They would not say why they are calling and when I called them to ask them if they were legit, they paused but then when I was transferred to another person, they would not say their name. They only said an extension. The person 's last name was XXXX and when I researched the name of the company, that phone number did not pop up a totally different number did. The company name was First Source Advantage, LLC. I have no t gotten any notice of one of my credit card accounts being charged off to a collection agency. This needs to be stopped. I did have an XXXX account that does need to be paid off but I have not gotten any further notice regarding further collections on that account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a dispute for XXXX on my Experian report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. Experian refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX XXXX   XXXX  XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a charge off on a lease that was returned over a year ago. 
the unscrupulous dealer ( XXXX XXXX  NJ ) advised at the lease end that any fees would be adjusted based upon the fat that I had 3 leases with XXXX all in good standing. 

XXXX reported it as a charge off this is unfair business practices as their dealer stated no charges were due at lease termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. Let it be clear, I DID NOT APPLY for an American Express card! Nor did I receive any letter from American Express. XXXX XXXX illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the XXXX  TIME I am addressing American Express XXXX NEGLIGENCE!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Illinois XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Credit Bureau After carefully reviewing my credit report, I notice that the following accounts listed below are inaccurate. The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section 1681e ( b ). You are supposed to assure maximum possible accuracy. Can you investigate the accounts listed below? 


XXXX  XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section1681i of the fair credit reporting act. After your reinvestigation if you found this account tone inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair credit reporting act.