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

I am exercising my " consumer '' rights under FCRA, FDCPA, TILA and the OCC in regards to information being reported by EXPERIAN. 

I instruct EXPERIAN to remove this non-mailable address : XXXX XXXX XXXX XXXX XXXX XXXX. Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. 
I am " DEMANDING '' removal of any and all CHARGE-OFFS from my " consumer '' reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. The IRS has confirmed that a XXXX ( discharge of debt ) has been issued for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to the law it is XXXX to report transaction history. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. 

I have continuously disputed these items with EXPERIAN and they have not provided me with the information requested to VERIFY these accounts including ( XXXX ) whom the accounts where verified with, ( XXXX ) the original contract including my wet signature, ( XXXX ) the verification of all " transactions '', and the verification that I in fact a " natural person '' the " consumer '' gave them authorization to report and/or publish this information. 

In addition according to 15 U.S. Code 1666b - A " creditor '' may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. There are a number of late payments included on my " consumer '' report that have been falsly reported and I am " XXXX '' immediate removal of this inaccurate information. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been concluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I became unemployed. I called Capital One on XX/XX/XXXX to notify them of this and to see if there was some type of hardship program they offered their customers facing financial difficulties. Minimum payments were at $ XXXX monthly for this account and being recently unemployed that was something I just could not afford to make due to other more important financial obligations. The agent I spoke with said there was a " special '' program I could be enrolled in and asked how much I thought I could afford to pay, I said I could afford to pay {$25.00} per month. The agent stated that during the time I was on this " special '' program there would be no late or over the limit fees and when I became employed again and could pay more to call and let them know. My payment is due on the XXXX of every month. I've made 3 payments of {$25.00} each, for the months of XXXX, XXXX and XXXX. Capital One has reported to the credit bureaus that the payments are missed and/or late which is incorrect. On XX/XX/XXXX I called Capital One about the inaccuracies being reported to the credit bureaus and was told by the agent I spoke to that being on a " special '' program doesn't help at all and I was given incorrect information by the agent who enrolled me in the " special '' program. Capital One is the only creditor that has refused to work with me regarding my financial situation. I've disputed the inaccuracies with the credit bureaus because it is in fact incorrect, I have not missed a payment nor am I past due and this information needs to be updated on all 3 credit reports to reflect this.
Product: Debt collection

Portfolio they made an agreement to settle my account yet they are still holding a balance on my credit report I've deputed the charge yet they report late charge off charges I've sent the credit bureaus copy of money order and proof of settlement payment yet it's still reported on my credit report
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 Number XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number XXXX Account Name : XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX  : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX  : Account Number XXXX Account Name : XXXX  : Account Number XXXX Account Name : XXXX : Account Number XXXX Account Name : XXXX 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: Debt collection

After getting a recent report of my credit report, there is a collection I am unaware of. I became aware of this because I am trying to apply for a home loan. The original creditor is Capital One, but now has been sold to XXXX XXXX XXXX, XXXX. 
They are claiming that I owe Capital One {$140.00}. I never applied for a card in 2015, I never received a card In 2015. 
When I asked for proof of this, or any documentation showing my authorization of such card, they provided me with a letter. This letter just says the day they sold the account to this third party, with my name issued on it. They are claiming this is the proof to validate this account. 
This does not prove anything, and does not give me correct documentation, proving I am the owner of this account. 
When I initially disputed this as fraudulent, Capital One opened an investigation, and recently as of the XX/XX/XXXX, has closed the investigation because they prove this account is factual- because of these 2 pieces of info : your address matches, and your phone number matches. Regardless if they have a phone number and address, anyone can have this information, and open a card. That is not proof to me of the validity of this account. And capital one is saying that is all they need to prove that its mine. They are also saying there is nothing I can do, because they closed the investigation, and it is final. What am I supposed to do now, knowing that an account is not mine, and they keep coming back saying it is, and there is nothing I can do about it?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to my XXXX  report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.
Product: Mortgage

I took loan from Nation Star Mortgage company XX/XX/XXXX. There was PMI at that time which has a Disclosure. This disclosure reads that we can request the PMI cancellation when LTV reaches 80 % or less which reached on XX/XX/XXXX. we have been requesting the nation star to remove PMI from XX/XX/XXXX but the company is not reading the disclosure and just telling us different stories like they need new appraisal where. as in the disclosure it is very clear that all will based on the Original value at the time loan was consummated, This disclosure part of mortgageSee attached disclosure
Product: Payday loan, title loan, or personal loan

On or around XX/XX/2020, I contacted the loan company and settled with company for less than the account was owed. The company had already charged the account off as a bad account so I settled for less the amount. The loan was up to {$1100.00} and I settled for {$900.00}. Since then the account still shows derogatory on all 3 credit bureaus. This is indeed hurting my credit scores and I am trying to purchase a house.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Credit card

Over the phone purchase was made XX/XX/2016 frrom saks XXXX..Did not receive purchase From.Saks. XXXX claims they have signature of mind ITS not possible .File claim with XXXX they said shipper must file all claims.because of the agreement with saks..Saks never file claim I would like your help to dispute this claim. Thank you..
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$1200.00} Balance updated XXXX XXXX, XXXX Credit limit {$1000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Line of Credit Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 PAYMENT HISTORY LEGEND Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$1200.00} Highest balance {$1000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at consumer 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number XXXX XXXX XXXX XXXX  CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, Due to separation and divorce we were unable to keep or sale our home which resulted in a foreclosure with our home being sold at a Trustees sale in XXXX. As common with any foreclosure, the awarded sum did not fully cover the loan amounts. Because Arizona is an anti-deficiency state ( A.R.S. 33/814 ( G ), the amount not covered was charge off/discharged. In XXXX of this year, XXXX, I discovered via my credit monitoring site that Real Time Resolutions was coming after us for the deficient amount of the 2nd mortgage balance. This was very suprising and concerning as I had put this unfortunate event behind me as it had been nearly 5 years after the fact. In my panic, worry, and collection ignorance, I reached out to Real Time Resolutions and paid the sum they agreed to for settlement of the account. I am filing this complaint as I am currently trying to purchase a new home and due to how this updated on my credit and impacted my credit standing the the credit bureaus. Real Time Resolutions is a licensed collection company, not a mortgage loan provider. They used the exact account number as my 2nd mortgage servicer from XXXX for their collection tradeline which updated the mortgage to a current time negative status, which has voided my foreclosure seasoning to purchase. This is clearly a violation of the FTC 's FDCRA. Due to erroneous/deceptive collection tactics and practices, this tradeline needs to be removed from my credit profile with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

-The investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY XXXX Equifax XXXX consumer solutions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Dispute of Unverified Addresses and Incorrect Information - Demand for Immediate Removal. 



I am writing to you because of the previous disputed information in my credit report history and I have identified the following issues and reason why these are completely inaccurate and the following accounts that have been illegally added to my credit report without proper verification : Unverified Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect Information : property address information was called XXXX XXXXXXXX XXXX and their business is INACTIVE due to admin dissolution for Annual report. 



1.Unverified Addresses : XXXX XXXX XXXX XXXX XXXX NY XXXX 2.Incorrect Information : Property Information is called XXXX XXXX XXXXXXXX XXXX. never had a lease or any important documents sent to this location. I have no business or anything tied to this property. 













1. Unverified Addresses : XXXX XXXX XXXX XXXX PA XXXX 2.Incorrect Information : property information is a house but I never had lease or rental agreement documents. I never signed or put my personal signature on anything pertaining to this location.

1. Unverified Account Information : XXXXXXXX XXXX  XXXX 2. Incorrect Information : This account is closed and the creditor considers it a loss. In fact, I noticed the old address XXXX XXXX XXXX XXXX, XXXX FL XXXX is/was the original but recently updated and changed to current. But the address is not only inaccurate but not on listed my credit history. 





1. Section 605 ( a ) which prohibits reporting of outdated information.

2. Section 611 ( a ) which requires you to conduct a reasonable investigation to determine the accuracy of disputed information.

3. Section 623 ( b ) which requires furnishers to verify the accuracy of information provided to credit reporting agencies.

Furthermore, as per the FCRA Section 611 ( a ) ( 5 ) ( B ), if an item of information has been previously deleted, it may not be reinserted in a consumer 's file unless the person who furnishes the information certifies that the information is complete and accurate. I demand that these illegally added and unverified accounts be immediately removed from my credit report. Failure to do so is a violation of federal law and may result in further legal action. Please provide a written confirmation of the removal of these accounts within 30 days, as required by the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I agreed and she said she would give me {$500.00} a week in exchange for having an honest person to talk to everyday. The same day we started talking she said she would give me my first {$500.00} and gave her financial cashier my phone number to give me the check. A couple hours later the same day she asked me if I could do her a big favor. She told me that her Zelle, XXXX XXXX, and other forms of mobile payment wasnt working, and that she found out that her granny has XXXX. She basically said that she was going to send me some money ( XXXX ) to Zelle to her granny along with my {$500.00}. I agreed and was talking with her financial cashier through a phone number but found out it was actually her I was talking to ( XXXX ). Her financial cashier apparently then started talking to me through another contact ( XXXX ). At that point I had a suspicion that I had been talking to the same person all along and that there is no financial cashier but Im not sure. They both sent me images on how I would deposit the checks that they sent me. They told me to take pictures of the checks from a computer or XXXX which I did. I was sent 2 checks and each was for XXXX. I did it, and just {$500.00} came through within a few minutes and they both kept desperately urging me to send that to the granny right away so I did it. The Zelle info they sent me was to XXXX XXXX XXXX, ( XXXX ). They kept calling me at XXXX asking me to check if anymore money came in. Another {$500.00} was available the next morning so I sent that out as well. They said it had gone through and to keep waiting for one more {$500.00} to go through to send out to granny. The following morning my account was at- {$760.00}. I informed them both and all the financial cashier said is that it was negative because I deposited the first check wrong. However XXXX never replied and when I went to go message her again on XXXX I saw that her account had been deleted. We went to go talk to a banker at XXXX and she had told us that they couldnt do anything because I had used Zelle. A couple days later all the checks had been returned fake/altered. My account is now at a - {$990.00} and is now currently blocked by XXXX, if I do not pay back the negative balance they will close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to being behind on payments, I had my vehicle repossessed by the loan issuer, Freeway Funding Inc in XX/XX/2022 for my account XXXX. The amount total amount due at that time in XX/XX/2022, when the car was repossessed, if I wanted to get the vehicle back including the fees for storage, tow, and loan due balance was {$5900.00}. I wasn't able to get the vehicle back. The issue is that Freeway Funding Inc is unjustly updating and reporting delinquent payments to the credit bureaus on a car loan account they reported as closed, as repossessed, and has been repossessed for nearly one year. Each month they are erroneously updating the balance on this closed and repossessed account. I have written to Freeway Funding Inc several times to resolve the issue to no avail. They ( Freeway Funding Inc ) continue to report due balance updates on nearly one year old closed and repossessed account for a car I have not had for nearly a year since they ( Freeway Funding Inc ) repossessed it. At the same time they held an auctioned for the vehicle with XXXX XXXX XXXX in XX/XX/2022. I am not required to pay a balance on a nearly one year old closed and repossessed car loan for a car that I don't have.
Product: Student loan

XXXX Print complaint Closed Submitted Status Submitted to the CFPB on XX/XX/year> Product Student loan Issue Struggling to repay your loan We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 


YOUR COMPLAINT They still have not told me why I have waited 10 months to get my XXXX XXXX loans squared away. It was approved in XXXX. She did not offer an explanation for why it is taking so long. I just want this to be over with. They are dragging their feet and dancing around the issue Herr. Thanks, XXXX I have been approved for a discharge for the college at XXXX XXXX in XXXX. Nothing has happened since. Also, another college I went to, XXXX XXXX had closed. They keep saying I withdrew and was not on a leave of absence. They are lying. I kept them up to date on everything after having XXXX  on both of my bicep tendons. I have sent them proof from the surgeon saying I could not lift. I was in the veterinary technician program and could not deal with animals. I need help with this. I have sent them many other documents. The fact is that they withdrew without my knowledge. I would have never agreed to that. They are being very untruthful. Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discrimination of lending products offered initially but XXXX Bank. Credit profile shows credit worthiness. Underwriting decided to use unwarranted business income verification to then disqualify me as a consumer to continue the process. I believe this to be biased in regards to the worthiness of credit to obtain information for a loan. Led to believe the application was being granted. Sent in sensitive tax records as well as banking documents to support only to be misled.
Product: Credit card

To Male Worker Only : I filed extra-charging complaints against all Chase Bank that I required to obtain a credit card which they declined because of my Social Security limited and complaint credit card request for employee/employer only, no acceptance for Social Security felt discrimination, let Speaker XXXX XXXX & U.S. Senators knowledge about these problems with credit card and included interest rates. I was not happy with interest rates affects to credit card, it may steal my money to lose them. Chase, XXXX XXXX, XXXX XXXX XXXX, and other banks does not let me having me credit card discrimination and included credit reporting record, many other issues. I complain with rewards with Chase did not issue me, did not give me bonus rewards. 
I do not allow female workers involved in this informants about between me and banks! 
Sincerely, XXXX XXXX XXXX - Report to Speaker XXXX XXXX and U.S. Senators Requirement:
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED XXXX, XXXX, AND XXXX - CREDITOR NAME IS FIRST INV SERVICING CORP, SENT ID THEFT REPORT, POLICE REPORT, PROOF OF IDENTITY AS YOU CAN SEE ATTACHED THIS WAS REMOVED/DELETED FROM MY XXXX AND OTHER REPORTS XX/XX/2022, NOW IN XX/XX/2022 THIS ITEM IS BACK ON MY CREDIT REPORT THIS IS FRAUD AND IDENTITY THEFT, PURSUANT TO SECTION 605B OF THE FIR CREDIT REPORTING ACT HOW CAN THIS HAPPEN IVE ALREADY SENT ALL DOCUMENTATION PROVING IM A VICTIM OF IDENTITY THEFT, HOW RE YOU REINVESTIGATING SOMETHING ALREADY BLOCKED AND REMOVED DUE TO IDENTITY THEFT?