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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX 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 my reports there is a closed account with huge amount of missed payments. JPMCB CARD XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB CARD has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 In accordance with the Fair Credit Reporting act and convergent accounts number account # : XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX account # XXXX account # XXXX XX/XX/XXXX account # XXXX XX/XX/XXXX have all violated my rights XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX bank of XXXX XXXX of XXXX XXXX bank/XXXX  XXXX bank XXXX
Product: Credit reporting or other personal consumer reports

please delete all the negative accounts now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account balance : {$0.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$2400.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account balance : {$0.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$620.00} Date of account open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account balance : {$15000.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account balance : {$2400.00} Date of account open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 written to ARS, via certified mailed. I informed ARS that I received letters from XXXX XXXX XXXX XXXX Bankruptcy Court and the Court stated that do no not verify bankruptcy information nor do they report to any credit bureaus.

ARS did not and does not have written consent from me to release my private information to their credit reporting agency, neither did the Court request them to list my personal information. This is a violation of my privacy.

There is no written nor verbal consent from me to report my private information to any bureau, ARS, XXXX nor XXXX, nor XXXX, yet they all are reporting without my consent
Product: Credit reporting

In a recent review of my credit reports I noticed XXXX XXXX XXXX had placed several 30-60 late payments marks on my credit reports resulting in negative tradelines and significantly lowering my credit score by XXXX points. Perplexed as to how XXXX was furnishing this information to the credit bureaus as I knew it to be incorrect, I contacted XXXX with my concerns re : the late payments. After speaking with several reps re : this matter, I was informed that XXXX had been applying miscellaneous fees and charges to my account offsetting my monthly payment and only applying partial payments to my account as if I was not making my monthly payments in full every month. I was also informed there had been missing payments in the past on my account resulting in more derogatory information being supplied to the credit bureaus. Infuriated by this new information, I explained to the reps that I had never been late nor had I missed any payments, and all my payments had been paid in full based on what was due in my monthly statement. I also explained that I had a trail of receipts in the form of emails, screenshots from my smart phone, and my bank statements showing these payments were made in full on time. I then inquired as to why this had never been brought to my attention in the numerous conversations I have had with XXXX reps in the past and no rep could explain to me what the problem was. This was XXXX of the many issues I have had with XXXX reps. Every time I have spoken with a rep it has been nothing but inconsistent, incorrect information. After speaking to the last XXXX reps XXXX ( XXXX ) in XXXX, XXXX, and XXXX ( XXXX ) in XXXX, XXXX and inquiring about the discrepancies with my account, I asked if there was a higher division or department where I could speak to someone directly since no one at the basic phone reps level could assist me further, I was told no, there was no one to speak to directly regarding my dispute on my account and issues regarding this matter and it would have to be escalated to customer care via mail only. I inquired once more to see if I could get a phone number or even a fax number and again there was nothing to be provided and I just have to mail in my concerns. I was beyond angry with this information. How could a company this big not have any direct contact information for matters of this nature. Credit is extremely important in this day and age and to not have any one or any department to directly assist with credit disputes is completely unacceptable. To date XXXX has placed XXXX late payments on my credit reports which has severely damaged my credit. At this time I am requesting XXXX to thoroughly go over my account, find where the mistakes were made, correct the mistakes, and update my credit reports with correct information.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


DEPT OF EDUCATIONXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXX/XX/XXXXXX/XX/XXXX account # 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 witout my written instructions.
Product: Checking or savings account

Fraud through XXXX were I sent a deposit for a puppy. I didnt know it was a scam I reached out through my bank because I paid it with XXXX XXXX They told me that it wasnt anything that they couldnt do about it. To try and reach back out to the person with XXXX. I tried that with no avail. I reached back out out to my bank Wells Fargo, the lady told me it wasnt anything that they could do, that I just lost my deposit that I sent for the puppy.
Product: Credit card

I was charged interest prematurely on my account, the payment is due in XXXX or XXXX weeks and the billing cycle just closed on the XXXX of this month. The customer service persons XXXX and XXXX the supervisor were stating it was coming from the previous statement balance of XXXX which is untrue since I paid it in full, on time. My current statement clearly stated the interest is for XXXX. I havent been given the opportunity to actually pay this so I dont get charged interest because they already included it off the bat.
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ALLEGED ACCOUNTS BE REMOVED IMMEDIATELY. ACCOUNTS : XXXX XXXX  XXXX XXXX XXXX FRAUDULENT INQUIRES : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau RE : Complaint against Equifax for failing to remove inquiries from credit report To whom it may concern, I am writing to file a complaint against Equifax credit reporting agency. 

My name is XXXX XXXX and inaccurate inquiries remain on my Equifax credit report despite providing documentation to prove they are not mine. 

In XX/XX/year>, I discovered multiple inquiries on my Equifax credit report from lenders I did not apply with. Believing this to be identity theft, I immediately filed an identity theft report with the FTC. I also sent Equifax copies of this FTC report, a signed affidavit disputing the inquiries, a copy of my driver 's license for verification of my identity, and express mailed these documents requesting the inquiries be removed. 

It has now been over months and Equifax has failed to remove the inaccurate inquiries from my credit report as required. I have called on multiple occasions and submitted online disputes but no changes have been made. These inquiries are lowering my credit score and impacting my ability to obtain credit. 

I feel Equifax has violated the Fair Credit Reporting Act by not conducting a reasonable investigation and failing to remove the disputed inquiries. I request the CFPB conduct an investigation into this matter and require Equifax to remove the inaccurate inquiries. 

Please advise on next steps. All documentation and correspondence can be provided. I appreciate your assistance in resolving this issue. 

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

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance {$0.00XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXXXXXX Balance {$10000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hi, I feel I was discriminated against by the Manager ( XXXX ) and the underwriter because of the color of my skin. I provide more than enought to provide my income. Then on the last day, the Manager contacts me to ask if i file XXXX or XXXX, I replied probably both, well that was not good enough for her, so she give me about a hour to produce documents to determine how I file. She never tells me which year of documents or nothing. Everytime i showed proof of income, they would come up with w new obstacle. Total Discrimination.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and noticed inquiries I did not authorize. They are as follows : Experian Credit Report XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian to remove XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX. This account is inaccurate and it should be removed from my credit report.
Product: Student loan

I believe I have Genesis loans from XXXX Colleges and would like to know if they are included in the CFPB settlement. I attended XXXX College in XXXX, from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting

Have bankrutcy filed in the US Bankruptcy Court, XXXX, CA on my Experian credit report. I disputed that the account is not reported correctly which is true. Experian keeps telling me that they have validated that the account is reported correctly. They refuse to give any other information and will not give me the means by which they validated or where they validated. I know for a fact that they are not following the Fair Credit Reporting ct and are breaking the law in their business practice, please see the attached : " 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), 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. '' Since they can not validate with the bankruptcy court, they are continuing to report incorrectly and as I see it from the above, must remove the bankruptcy reporting from my credit report. I feel that the credit bureau is allowed to practice any way they feel like and outcome of your dispute depends on who gets your letters. My credit has taken a serious hit from this incorrect reporting and I have been denied credit because of this.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score. I'm not liable for this debt with [ XXXX XXXX ] I don't have a contract with [ XXXX XXXX ]. They did not provide me with the original contract as I requested. In accordance with the fair credit reporting act. The account below has violated my federal protected consumer rights to privacy and confidentiality. [ XXXX XXXX ] ACCOUNT NUMBER [ XXXX ] Has violated my right. I'm in disagreement with the account which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score
Product: Debt collection

Portfolio Recovery has been told XXXX times they have the wrong number. Yet they continue to call EVERY SINGLE DAY including Sundays as early as XXXX and as late as XXXX. XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I was getting money sent to me using Zelle and XXXX XXXX XXXX and did not receive the money when the other person never received it back after calling the bank and using customer service. The money was completely lost and nobody could get it back.
Product: Debt collection

I had received a few calls from an unknown number leaving a cryptic message for me to call them back. My grandmother was in the hospital and finally, they got a hold of my father as well and left the same number to call them back. So on XX/XX/XXXX at approximately XXXX XXXX  I spoke with XXXX XXXX of XXXX XXXX or XXXX XXXX XXXX ; who first off did not mention that it was an attempt to collect a debt. After I mentioned that I did not recognize the first lender name he mentioned ( XXXX  XXXX  ) he said that he would have me put in jail for fraud if they discovered it was not true that the debt was in my name. The company was XXXX XXXX  XXXX  which I did recognize. After some discussion, he stated they would sue me and garnish my wages and take my family 's property - anything that was attached to my social security to repay the debt unless I agreed to the settlement amount he was offering me. He emailed me the originating loan application documents with no password and no disclosure information in the email- in addition, he included no information about his company within the email either. The name of the company he says he works for that he provided on the phone and the name of the company attached to the email address does not exist. Although I can clearly see that he has some form of documentation for a loan I once had that has since aged out and been charged off since XXXX with no payments since XXXX. This is all concerning because the debt is so old and without a lot of the disclosures and required checks I thought were .... required.
Product: Debt collection

This a non existing company that report one month collection to the credit agencies is a fake company never ever had any debt, credit card, loan or any type of business with this company ENHANCED RECOVERY CO L Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I received three texts saying my number has been verified for them to send me debt collection texts. I do not owe national grid nor their XXXX  credit agency money, i checked & have the receipts to prove it. I did not give this company permission to purchase any debt in my name, nor sell it and any of my personal information. I do not want any form of communication with them, they should not be trying to contact me at all anymore ; this should be a complete Cease & Desist. 

I would also like Consumer financial protection bureau to contact XXXX XXXX because I absolutely do bot owe them money. I kept calling to make sure of it. Also i have Financial statements.