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

On XX/XX/22 I sent a certified letter to EQUIFAX disputing the accuracy of account XXXX XXXXXXXX # XXXX due to inaccurate dates and payment information. EQUIFAX stated the account was properly investigated. I am disputing the validity of their " investigation '' because of the inaccurate payment history listed on the account. This is a violation of the FCRA since I never received credit or services from this company ( XXXX XXXX ) and thus a payment was never made. Also, the " Date of Last Activity '' is innacurate ( please see attached pictures of the XXXX credit bureaus showing different dates. These dates should match since the Credit Reporting agencies are supposed to get this information from the same creditor/lender/collection agency XXXX This is grounds for the removal of this inaccurate account from my credit report immediately. 

Furthermore, they have violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ). The law is very clear and states if items are inaccurate or can not be thoroughly verified, the Consumer Reporting agencies shall promptly delete the account from the consumer 's credit file. 

They have also violated my rights under 15 U.S.C Section 611 ( 2 ) ( a ). The law clearly states the Credit Reporting Agencies or Credit Bureaus have XXXX days to notify me they have received my dispute- they did not.
Product: Credit reporting or other personal consumer reports

Sat XX/XX/XXXX XXXX XXXX XXXX 39 day late payment to my credit. 
This credit card account was closed XX/XX/XXXX XXXX. Account balance was paid to zero, last payment of XXXX was paid XX/XX/XXXX, this included balance plus interest and whatever fees. Since XXXX they continued charging me interest on an CLOSED account. I kept receiving emails requesting {$3.00} payments, I've paid the XXXX dollars twice XX/XX/XXXX and XX/XX/XXXX despite knowing the account was closed. I wanted to protect the integrity of my credit. I called them several times to fix the issue, however their call center being in XXXX and not having stateside assistance make it hard to communicate. Anyone can see that this wrong and abusive to consumers. I disputed this accounts accuracy with the credit bureaus and Experian validated and updated the account on a Saturday. How can a dispute be investigated on a sat within an hours time. This account needs to be removed from my credit file so they can stop harassing me for interest payments on a closed account. They reported the account to my credit 39 days late after its been closed for 10 months. This a scam and its outrageous that the credit bureaus allow such abuse of power. My XXXX credit score dropped to XXXX for an illegal {$7.00} late payment mark. I have recorded phone calls to verify. This company is terrible and needs to sued and shutdown. How can a closed account with a XXXX balance accrue interest for almost a year and get away with it?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my report that was put on without my permission Navy FCU, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Navy FCU, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I received a summons from Machols & Johannsen  collection agency, Plaintiffs : XXXX XXXX XXXX, which I never contacted by the bank nor the Machols & Johannsen, I read FDCPA 8:09 Validation of Debt.. that was never followed by the collection agency, the only time I heard from Machols & Johannsen is when I received the summon, ( which I still have to verify with county Clerk, the Summon / complain does not have Court Stamp nor Clerk Signature.
Product: Consumer Loan

We purchase a XXXX Fleetwood motor home from XXXX 's RV last XX/XX/XXXX. 
XXXX RV issued us a loan through Ally Bank. A couple of days after we took possesion of the RV XXXX went out of business. Our rv was a trade in and XXXX never paid it off to XXXX XXXX XXXX. XXXX put a lien on it and for over a year now we have n't been able to register it. Ally bank has done absolutely nothing to help solve the problem. We have been paying Ally Bank every month for something that we ca n't use. They have no title for this Rv. We have vacations coming up in which we put deposits down last year and unless this gets resolved very soon we will not only be out the deposit money but also wo n't be able to use the rv we are paying for.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain accounts and inquiries reported on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I demand verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries. 

Please note that I am submitting this letter on my own behalf and not through a third party. I request that you carefully review this matter, as I did not authorize these actions. These unauthorized entries are a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which requires the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which outlines permissible purposes for consumer reports.

I have already contacted the relevant companies and discovered that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they must be classified as the result of a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that you conduct a thorough investigation into this matter and take appropriate action to resolve these discrepancies as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting INACCURATE late payments to my credit report from an Auto loan that is now closed and paid. I have disputed these inaccurate late payments with them directly along to Experian, XXXX, and XXXX and neither company has been able to validated this information correctly and have failed to provide me with transcripts proving these late payments are accurate! They are reporting 17 late payments and that is inaccurate! See attached copy from my credit report showing how they are being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking : Equifax XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX and XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

Notice of Dispute Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g, that validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( XXXX ) XXXX XXXX XXXX XXXX XXXX Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
* The agreement bearing my signature stating that I have agreed to assume the debt * Valid copies of the debt agreement stating the amount of the debt and interest charges * Proof that the Statute of Limitations in GA has not expired.

* Complete payment history on this account along with an accounting of all additional charges being assessed * Proof that you are licensed to collect in my state ; and * Your license numbers and Registered Agent or Agent of Service.

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account if any exist must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 

All future communications with me MUST be done in writing via the CFPB. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX EASTERN ACCOUNT SYSTEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX, CT XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> there was a credit line purchase of XXXX $ That I have no knowledge of. Jefferson Capital System XXXX XXXX allowed this fraudulent transaction to take place at there company with out my knowledge this purchase has impacted my score very bad. I will like the the company to take full accountability for allowing this for happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit and I noticed my reports for TransUnion,   XXXX   and  XXXX  contained inquiries from companies to which I did not grant permissible purpose to pull my report for any reason. I have no idea how they could have gained access to my information without my consent but it is damaging to my credit and I want them removed. They are as follows :  Trans   Union  :     XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  :   XXXX   XXXX   XXXX  - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   :   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  I  also thin k that it is strange that the multiple pulls from  XXXX  and   XXXX   XXXX   were p laced on several different dates.
Product: Credit reporting or other personal consumer reports

Dear CFPB and Experian Dispute Department, I am following up on my previously filed complaint regarding inaccurate and unverified accounts reported by Experian. To date, I have not received any validation of these accounts from the creditor or Experian, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611. 
Despite my formal request for proper verification, Experian has failed to provide : A signed contract or agreement proving my obligation to the debt.

A detailed breakdown of how the verification process was conducted.

Any original creditor documentation supporting the validity of the accounts.

Since Experian has not fulfilled its legal obligation to validate these a
ccounts, they must be immediately deleted from my credit report per FCRA 611 ( a ) ( 5 ). Failure to comply with federal law may result in further legal action for willful noncompliance under FCRA 616 and 617.

I request an immediate response and resolution to this matter within 15 days. If Experian continues to report these unverifiable accounts, I will escalate this complaint further.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 4 months I have contacted this bureau to remove these unauthorized hard inquiries on my consumer report. I did not authorize any of them. This bureau has not got back with me within the 30 days or even after. They are not cooperating with me and giving me results of whats going.
Product: Mortgage

My mortgage was recently transferred to Shellpoint from XXXX. My loan was paid off in full on XX/XX/19 by wire from escrow as I had sold the house. XXXX did not apply the payoff amount the day they received it. They instead held the money and then on XX/XX/19 took another payment from my checking account. Then on XX/XX/19 they transferred servicing to Shellpoint WITHOUT applying the monies they had received that were sufficient to payoff the loan as of XX/XX/19. Shellpoint then applied the funds on XX/XX/19 and my extra payment is now some how missing as they say I am only getting {$35.00} back after applying all of the funds. First of all the loan should not have been transferred. Second this transaction vioaltes RESPA by not applying the payoff on the date it was received XX/XX/19. Third XXXX illegally kept monies for a payoff they did not process. Fourth Shellpoint can not apply funds received on XX/XX/19 and XX/XX/19 on XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I missed it, the Remarks on Report game, hey XXXX  Experian and XXXX  remember I told you XXXX  I was the Boss, Im in XXXX XXXX baby, you know, where XXXX XXXX Powerful Smart and Awesome XXXX men & women are involved in ALL types of Businesses, remember me XXXX telling you Dummie this, now Ive paid my monies to XXXX players in the Credit Corrections GAME, listen up XXXX  criminals, they will be pulling my XXXX Credit Report on this week, now every XXXX thing that Ive Asked you XXXX XXXX to correct, Im the Boss now, see after talking with a sharp XXXX XXXX person that knows the Credit Game, XXXX  I missed, Remarks on your XXXX Report can XXXX with your XXXX XXXX, hey XXXX  Experian and XXXX  I see what youve been doing Now, now you XXXX  can send me {>= $1,000,000} a piece and we can treat this as Settling out court or in Federal court I expose you XXXX  XXXX  XXXX XXXX XXXX, I could Not believe what my Credit expert showed, Im in the Game Now I got, Knowledge is Power, Im in charge Now XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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
Product: Credit reporting, credit repair services, 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. 
1. ) XXXX XXXX XXXX XXXX : # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX 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: Credit card

Capital One charged off my report however theyre still reporting negatively on my credit report as well as sharing my information without my consent with a third party. Per the FCRA as a federally protected consumer any charge-offs are considered a certificate of indebtness and should be removed
Product: Debt collection

XXXX XXXX XXXX is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. XXXX XXXX XXXX is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX XXXX XXXX. I want these people stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my credit report : XXXX XXXX XXXX XXXX   XXXX  Equifax Account # : XXXX XXXX XXXX High Balance : {$31000.00} {$31000.00} {$31000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Closed Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Auto Financing Auto Financing Account Status : Closed Closed Closed Payment Status : Late 30 Days Late 30 Days Late 30 Days Creditor Remarks : Closed -- Closed or paid account/zero balance Auto Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : 72 Month ( s ) 72  Month ( s ) 72 Month ( s ) Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan Auto Loan Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- unkown unkown Two-Year payment history unkown XXXXunkown OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax unknown unknown unknown unknown unknown unknown 30 days late unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown 30 days late 30 days late unknown unknown unknown 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late - 7 Year History XXXX   XXXX  Equifax 30 : 4 60 : 0 90 : 0 30 : 4 60 : 0 90 : 0 30 : 4 60 : 0 90 : 0 I am not sure how this happened, I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Student loan

XXXX told me to recertify every year for Public Service Loan Forgiveness. This year I mailed the required documents to XXXX as well as XXXX XXXX as required. However, XXXX claims to have not received the documents and ultimately turned my account over to Default Resolutions. I have since refinanced those loans with XXXX XXXX. But, by refinancing, at the mistakes of XXXX, my loan forgiveness started over. I have lost 3 years toward my loan forgiveness due to XXXX 's negligence.
Product: Credit card or prepaid card

XXXX Case : XXXX XXXX have provided sufficient evidence about this dispute for " item not as described '' I have provided chat support screenshots showing how XXXX  was not accurate about the hotel search feature. The hotel I booked with XXXX  also agreed with this statement. 

However, Paypal has denied my dispute. Again, I have provided sufficient evidence to show the item was not as described.