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

My XXXX XXXX account is reporting a late payment which is incorrect. I contacted each credit bureau 2 years ago and never received a response. This information is incorrect and there should not be a late payment on credit for my car that I have been making monthly payments on. 


I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1692g also known as the FDCPA, Affirm Inc was presented with a formal electronic notice disputing the validity of the alleged debt they claimed I owed. 
At no time was any validation paperwork.showing I signed any contract was ever produced. Therefore, under state and federal law, since it has been more than 30 days since the dispute was launched, the alleged debt is no.longer collectable and my rights under federal law have been violated by this being reported to the credit bureau. 
Also, I never stated I wanted no contact of any kind so this organization can stop lying before I seek out legal.remedies for their libelous verbiage
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has on account review XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, on my Account reviews and I do not or requested anything from these companies nor do I owe them anything or hold any account with them XXXX XXXX needs deleting or provide documents to the said company XXXX  via XXXX XXXX I did not request as stated by TransUnion needs to be deleted or provide proof or documented proof of me giving permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX claims they received the following inaccurate information from Transunion which has caused me not to secure housing and has rendered me homeless. I have not given Transunion of anyone consent to share any information regarding me or my credit history. 

The following information is what Transunion reported. below :. 
Your TransUnion credit score : SCORE DATE : XX/XX/2022 TransUnion scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROPORTION OF REVOLVING BALANCES TO REVOLVING- This is a billing error since all credit is commercial and open ended. 
CREDIT LIMITS IS TOO HIGH, TIME SINCE DELINQUENCY IS- This is a billing error since all credit is open-ended there is no limit. 
TOO RECENT OR UNKNOWN, INSUFFICIENT LENGTH OF CREDIT HISTORY, SERIOUS DELINQUENCY- This information being reported is completely inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is Reporting on my credit report false and miss leading and fraudulent Inquiry on my credit report I did not authorized all of the Inquiry and all Inquiry are Fraudulent Please delete off my credit report at ones and I send in a FTC report just like Trans Union ask me to do and all Fraudulent INQUIRIES are still on my credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : XXXX. Account Name XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Equifax account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Equifax account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

INQUIRIES : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Credit reporting or other personal consumer reports

I recently became aware that ChexSystems has been falsely reporting information using my name. I contacted ChexSystems to dispute the false reporting and further learned that ChexSystems has eight different derivatives of my name and is currently reporting them all.

I am citing : The Fair Credit Reporting Act U.S. Code Subchapter 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

I am reaching out as a victim of a recent data breach, which has compromised my personal and financial information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the blocking and deletion of specific fraudulent accounts and inquiries from my credit report. 
The compromised information has resulted in the appearance of unauthorized accounts and inquiries on my file, detailed below. 
Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Debt collection

The company keeps calling me at least 5 times a day, when I pick up the phone it goes straight to a dial tone it doesn'tring and noone on the line. I can't even tell them to stop calling, I also block the number and they keep calling from other numbers. I do not owe this company anything and have never communicated with them.
Product: Credit card

XXXX contracted with XXXX XXXX to handle financing but in XX/XX/XXXX they switched over to LendingPoint. I have a current account with XXXX XXXX that was transferred to LendingPoint. Supposedly an email was sent by XXXX and a letter was mailed. We received neither one. I finally received a phone call 89 days after the payment was late. It was previously an autodraft. I requested an email so I could login and make a payment. Their website shows I'm behind {$2900.00} in one screen but my monthly payments are only {$180.00} and only 3 months missed. Another screen has my interest rate wrong, another screen shows the payment as {$180.00} and another screen shows the three payments, {$180.00} for XX/XX/XXXX, {$200.00} for XX/XX/XXXX and {$19000.00} for XX/XX/XXXX. Also, it shows my interest rate of 9.24 % and my interest rate is 4.99 %. I'm now being told their website is down, even though I can login, setup autodraft, and see account information. At one time on the phone, I'm told I can't pay online and then when I refused to give credit card information to a person on the phone, then all of the sudden I could pay online. When I requested paper statement, I'm also being told that they are paperless and can not provide this information. It's very deceptive that I can not get a monthly statement mailed or view a correct one online. Also, getting conflicting information from the same person on the same phone call, is very deceptive.
Product: Debt collection

There is a closed collection on all my credit reports. This has been discharged from my XXXX. Case # XXXX This account is from XXXX It has been on my credit way too long. 
Can this be removed from ALL 3 credit bureaus please. 
Thank you
Product: Debt collection

I received a call from Diversified Adjustment Services , Inc that I owed money concerning an old bill with XXXX. I previously paid {$740.00} to XXXX XXXX for the same account. I was advised by Diversified Adjustment Services that XXXX had added additional fees and charges to account after I made the arrangements to pay off the balance with XXXX XXXX I request documentation that show what the additional balance was for. I received XXXX statements both of which has not provided a itemized statement showing how I owe an addition {$230.00}. Diversified Adjustment Services has threatened to report this information to the credit bureaus ruining my changes of obtaining a home or car loan in the future unless this debt is paid. I have spoken to several representatives who can not explain where this additional balance is coming from. I have also sent documentation confirming the balance paid with the prior collections agency.
Product: Debt collection

Dear Spring Oaks Capital ; XXXX XXXX  ; & Cfpb ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection. 
1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Product: Debt collection

Navient is calling me up to 6 times a day, starting at XXXX am. I am a cosigner for my grandson 's student loans. The debt collectors are very rude, will not let me talk without interrupting me. I have asked them to not call me as frequently as they are but they tell me they can call me up to 8 times a day and it is legal. I am XXXX years old and just had a XXXX XXXX and am XXXX XXXX. I have told them this and it has not made a difference. Thank you for your help with this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  do hereby request that your office provide me with complete documentation to verify and validate the account referenced above.

As I want to resolve this matter as soon as possible, I am initiating this private, administrative remedy to determine such matters, predicated upon your proof of claim. The necessary Proofs of Claim are set out below, to wit : 1. A contract between EARLY WARNING and XXXX XXXX XXXX 2. Who in your company verified these accounts?

3. How did they verify them?

4. Please provide me with the name of the individual, business address of the person or business contacted during your re investigation.

5. Include the documentation that was used to verify the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX CARD XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was incarcerated in XXXX until XX/XX/XXXX. Someone opened accounts in my name fraudulently. I went through XXXX XXXX and Experian to dispute these and these companies told me to report it to you also. The accounts are as follows XXXX XXXX XXXX  opened XX/XX/XXXX in the amount of XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX  accounts dates opened are XX/XX/XXXX, amount XXXX XXXX XX/XX/XXXX unknown amount, XX/XX/XXXX unknown amount ( also XXXX XXXX for these dates ) XXXX XX/XX/XXXX {$550.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX XXXX  XX/XX/XXXX {$460.00}, lvnv XX/XX/XXXX amount {$660.00} ( these are collections from dates XXXX XXXX XXXX XXXX. Also two XXXX Massachusetts addresses Ive never known or lived at. I attached my XXXX background check shows my dates I was XXXX XXXX  and how much time I got. To show XXXX XXXX XXXX XXXX. Along with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the listed items and correct all errors. 

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
Product: Debt collection

XXXX XXXX XXXX  PA in XXXX north carolina sent me a default judgement letter. I looked at it and I tried to call them about this letter but they will not answer my phone calls. ive been making payments to them for the charged off bank of america credit card. i made them stop taking money because they illegally took the money out of my checking account, forcing me to change my account information with my bank. also, they wanted me to sign a confession of judgement. i was going to sign it but i fell ill. i am suffering from major health issues from the XXXX XXXX. so i get hindered a lot from going places and doing things. i guess they took this as a sign that i didnt want to sign it. so they put a default judgement out against me. i called them multiple times, at least 3 days in a row this week but they wont answer me.
Product: Credit card

ive XXXX banking with paypal for awhile now and ive always paid off any bills inhad with or any fees well oneday intried cashing a checkmand the denied me then i had money deposited and they want to hold it for two week so i was going back and forth with them and i let it go a coupkevdays later went to use the pay in 4 payments it denied me then i went to go ask for credit they denied me and they woukd never say why just my credit wasnt good enuogh and that XXXX there is not XXXX XXXX and XXXX 15 1692 code statesvthat wat there doing when denieing me is illegal and a violation of my tila ecoa civil right so tjis happens all the time every time i apply they refuse they deni me but still add hard inqury to my report it all fraud
Product: Debt collection

I have been in communication with the agency fir months. They continue to report erroneous information to the XXXX in my name. They refuse to provide acceptable validation of debt ; but, will send a statement of charges. I have kindly requested correction. I'm seeking immediate removal of the collection account reported.
Product: Debt collection

Upon checking my Credit Report I noticed I had debt from " bby/cbna '' also known as Best buy. I opened my card in 2014 and just finished paying my card off last month and when I called best buy they said they have no charges from now or the past for my Account.
Product: Credit card or prepaid card

Capital one closed 2 of my credit cards today XX/XX/2022. One of the credit cards I just got approved for on XX/XX/2022 and hadnt even received the card in the mail yet. The original account was closed due to returned payments which I tried to explain the funds were available in my account at the time and they should not have been returned. I let them know I can print off a statement to verify. I also made a payment that posted immediately once I noticed the bank returned the previous payments. The last payment did post. The card I was just approved for on XX/XX/2022 that they closed has not even been used yet nor the card received in the mail. I just linked the account 2 days ago when I received the approval email. Capital One customer service and the accounts department was completely unhelpful in trying to find a resolution for at-least the account that was just opened. This makes an impact on my credit report as well as having an extra inquiry on my credit report. The account being closed that has not even been used yet is completely unacceptable and unfair.