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

this account was paid in full and closed buy the consumer it was never late are Charge-off XXXX   XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History
Product: Debt collection

I moved to an area that my XXXX phone would not work at my home. Which in XXXX contract is reason to void contract and for me to be able to get service with another provider. After I broight this to their attention they said it was no problem to end my contract. I did and then they sent the remaining balance to a collection office and would not even talk to me about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to dispute an error in my credit report. According to my credit report, I have a late payment on one of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act. 
DEPT OF EDXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$3700.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4500.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4600.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$9700.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4100.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX XXXX, XXXX Balance {$2300.00}. I would like to request an immediate correction of this error and for my credit report to reflect my accurate payment history. I also request that you notify me in writing of the correction made to my credit report and provide me with a copy of my updated report.
Product: Debt collection

This debt is from 2011, a loan from a check cashing company. I became XXXX in 2011 and was laid off not too long after that, When I went into the check & go store, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXXXXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

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

On my XXXX Credit Report it shows an account with Capital One Auto Finance in XXXX TX. Because this was not actually my debt, it was my oldest daughter, who hoodwinked me into being primary on her account when I thought I was just co-signer. I was not paying the loan. The entire payment history on this account is bad and eventually they repossessed the car from her. Regardless off all of that as I was reading today I understand it is better to have an account status of PAID-CHARGED OFF than to just say CHARGED OFF. In this particular accounts Comments it says : Account paid for less than full balance Paid charge off Contact CAPITAL ONE AUTO FINANCE XXXX, XXXX XXXX But the account STATUS is just listed as CHARGED OFF at the top of the account summary. Should n't it say PAID-CHARGED OFF, since she did settle with the car company and not a collection agency?
Product: Credit reporting, credit repair services, or other personal consumer reports

In viewing my credit report information on XXXX I had an alert from a new collection by a company called XXXX XXXX. The account said the original lender was XXXX XXXX XXXX which I have never had any dealings with or knowledge of. There was no date shown as to when the account was opened or transferred for collection. The account number given was XXXX for a balance of {$1600.00}. Either this is a fraudulent account or this company is pulling a scam. I have never received any correspondence from this company. I tried calling their toll free number but there was no answer.
Product: Checking or savings account

This bank provided my nonpublic private information to non affiliated third parties even though their terms and conditions agreed to not do so. This is in violation of the privacy act of XXXX. It is now charged off. A charge off according to the IRS publications is a certificate of indentures which is now considered income & cant be reported.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I requested by letter that the 3 credit bureaus remove the the unknown companies with the collection accounts on my credit report. I have not opened any accounts with these companies. Only one bureau was updated, and one month later XX/XX/2023 my credit score goes down by XXXX points without any reason given. 

Company names : XXXXXXXX XXXX XXXXXXXX {$120.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$1600.00}
Product: Checking or savings account

Chase Bank sent me a new closed debit card with no valid explanation. I contacted Chase Customer Service regarding this issue on XX/XX/2021. As per Chase Customer Service Representative, they were not able to provide me with a definitive response concerning the new debit card mailed to me within a 2 day period being closed. Why would Chase Bank expedite me a new debit card that was already closed. I didnt have access to get funds from any ATM machines of Chase nor was I able to check my statement from my checking account. Chase Bank put me in a tight situation with no funds to purchase the necessities for my family. Furthermore, Chase has been charging me a {$5.00} fee, to expedite my new debit cards for the third time. Chase hasnt done this charge in a while. I want a refund for the inconvenience, they put me through without having a debit card for the week, to purchase items that were needed.
Product: Credit reporting or other personal consumer reports

To whom it may concern at the CFPB, My name is XXXX XXXX and I'm filing this complaint Against the three credit bureaus XXXX Trans Union and XXXX Who are playing with my credit report. I have submitted documents letting them know that these accounts are not mine and I want them off My report promptly because these accounts did not have the right information In regards to me Information Like the correct spelling of my name and the address I lived and the phone number I have. These companies have used my information fraudulently without my authorization. the first account is XXXX XXXX card and the second company is automotive credit. I have no relationship with these companies and I want these companies to remove their accounts from my credit report immediately. thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Antisemitic character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the fraudulent debt, nor therefore any such debt, in fact therefore exists. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XXXX date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct. Number XXXX I'm disputing this due to the following credit laws : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows late payments to XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is inaccurately reporting this COLLECTION account # XXXX as well as this COLLECTION account # XXXX on my credit report as an OPEN ACCOUNT and also reporting PAST DUE BALANCES. XXXX XXXX XXXX is reporting falsely and inaccurately. this is a clear FTC Violation and must be DELETED immediately. As well as in violation of 15 U.S.C CODE 1681S-2! Also a clear violation of 5 U.S.C 552 a ( i ) ( 3 ) and The Fair Debt Collection Practices Act As Well As 15 U.S.C 1692d. Not only are they reporting with an account status of OPEN but they are also reporting this ACCOUNT # XXXX ( {$210.00} ) as well as this ACCOUNT # XXXX ( {$500.00} ) with an inaccurate past due balance and putting derogatory marks on my credit as LATE PAYMENTS. Which is also a violation of the FCRA which states that I have the right to an accurate and fair credit report. This also violates XXXX XXXX XXXX XXXX XXXX Standards! Delete both of these accounts immediately from all XXXX credit bureaus that are reporting this false, inaccurate, and incomplete information on my credit report. I, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I Request that you provide to me verification of this debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first hand knowledge and must be notarized. Since this debt is disputed pursuant to the fair debt collection practices act you are required to cease all collection of this alleged debt which includes reporting to my consumer report EXPERIAN, XXXX, And XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. FURTHERMORE I did not consent to you having my personal or private Information. This constitutes aggravated identity theft. I also did not consent to you reporting information in my name to the consumer reporting agencies. Please delete all accounts!
Product: Vehicle loan or lease

Penfed advertises a XXXX auto loan rate for 60 months for new cars. The steps are you must use there auto buying service and buy a new car plus have good credit. I followed the steps they ran my credit and they offered me a XXXX rate at 72 months when I asked for 60 months. That rate is higher then advertised and higher what I was able to get at another bank of XXXX for 60 months. My credit score is XXXX with no late payments yet Penfed couldnt disclose why I dont qualify for XXXX rate. I believe they are bait and switching by offering a rate they dont actually have or plan to give.
Product: Debt collection

XXXX XXXX XXXX XXXX bought a loan account from XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 
It is stated on XXXX XXXX 's website, that they will default a loan 90 days after last payment. 

The partial promissory note that they attached to the filing against me is dated XX/XX/XXXX meaning the debt is over 7-8 years old. In Georgia promissory notes expire after 4 years, in rare occasions 6 years. In my case they only provided a promissory note and other documents that have been heavily redacted, specifically dates in the documents. I have made Credit Corp Solutions Lawyers aware that the Statute of limitation has passed due to it being over 8 years. Instead, they have filed two separate lawsuits using to different law firms within 5 months of each other. I have asked for the original, unredacted documents in both of my responses but they will not comply. After filing both lawsuits for the same exact thing, they continuously called my phone and sent mail to my parents ' house, after being told to stop. I have asked them to validate the loan multiple times. Each time I would not hear anything back. They have altered paperwork, because both filings are for the same thing, but different paperwork was presented, with altered names. After reading through the clause, they have to go through arbitration before any action. The last notice I got from a lawyer representing Credit Corp Soultion Inc stated that she would make all information available before the start of the trial. I am so tired of being harassed with " XXXX XXXX XXXX' tactics in an attempt to wear me down. Filing the same thing twice in court is an abuse of power. The way they call, mail, file multiple times with the court and have the sheriff come by to serve me every couple of months is enough to make a XXXX XXXX XXXX They are well aware that this account they purchased in XXXX has default date 90 days after the last payment which is over the time allowed by Georgia or Florida to file. This is just harassment at this point.
Product: Credit card

I did not authorize or I do not recognize credit inquiry on my credit report : Aspire- XX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Request to Re-add XXXX XXXX XXXX XXXX XXXX XXXX XXXX to Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Equifax, I am writing to bring to your attention an issue regarding my credit report. Recently, I noticed that a positive account, specifically my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, has been deleted from my credit profile. This deletion has adversely affected my credit standing, and I kindly request that you re-add this account to my credit report as soon as possible. 

Account Details : Creditor : XXXX XXXX XXXX XXXX Account Type : XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Status : Positive/Active Payment History : [ Specify if it was always paid on time ] Having this account reflected on my credit report is crucial for accurately representing my creditworthiness and financial responsibility. I have always maintained a positive payment history with this account, and its presence on my credit report is vital for maintaining a healthy credit score. 

I kindly request that you investigate this matter promptly and re-add the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account to my credit report. Additionally, please provide confirmation once this account has been successfully reinstated on my report. 

If you require any further information or documentation to process this request, please do not hesitate to contact me at XXXX or XXXX Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I went to a bank of American atm to deposit my money. I put inside of the atm {$3700.00} ( XXXX XXXX bill ) and the atm stop working at the time that was counting the money. I called at the bank they ask 10 business days to put the money o. My account but I cant wait since i have to pay my bills. They can easily give me credit until they fix it.
Product: Mortgage

I filed a complaint a couple of weeks ago. Seterus, Inc responded. Not all the info provided by the Seterus associate was correct. Obviously all the recordings were not listened to. At a fault of my on, I said the month of XXXX ... maybe all this began in XXXX. But that's ok. My main concern about their response was the associate responded about the removal of my 1st Sale date was because of the amount of homes in foreclosure. There were simply too many foreclosures so they changed my date to a later one. When in fact, if he would listen to the recordings the young lady told me Seterus, Inc. removed the date ( with no future sale date ) to help me out. She said she wanted me to send in additional information and to be more persistent with my involvement. She said I wasn't calling in enough to check on my status and to make sure all paperwork had been received and that they didn't need anything else. I had explained to her I always scared to call b/c I am scared of being told no. She said to call anyway. It will show that I am determined. So I did. I called frequently. Obviously, by the sound of this Seterus, Inc. was going to work with me. If Seterus says this conversation did not happen they are lying. This phone call happened after they removed the 1st sale date. 
Also, one of the modifications was a principal change. 
Look at the reasons for the modifications. They are very legit and there was no way around them. Natural disasters are a terrible thing. 
Also, I would like to request to hear the recording of the lady telling me the date was moved by Seterus, Inc. to assist me.
Product: Payday loan, title loan, or personal loan

We are showing 13 missed/ late payments. They were reporting to XXXX XXXX 100 % on time and another late with 9 reports. After calling and having them do an investigation onto why when all payments have been made and put on their hardship they went to the credit that was reporting 100 % and put 13 missed payments on that one. We have 25 payments made to this company even double payment and I have emails from their representatives showing that our account has been active doesnt show any late or delinquent and also being on their hardship or reduce our payment amount and never be reported to credit, also during that time their website did tell us we were delinquent and I have an email saying to ignore that because we were on a hardship and they do not report delinquent. I have many emails proving what they told me wrong with the credit reporting and they do not want to fix it when I have a complete proof that they are in the wrong.