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

In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

XXXX 2014 LenderLive purchased Loan from Prime Lending, at that time I made XX/XX/XXXX Payment to XXXX. After few months I went to re fianc and found out that Lender Live was saying that I was Late, after doing our investigation we realized that XXXX never forward payment to LenderLive. They agreed and told me they would fix it, it has been 6 months and nothing except phone calls that I am always 1 month late, I am going to attach my payments and XXXX payment. I went to re fi and found out that my credit score of XXXX is now XXXX because of Lender Live, this is unfair and I ca n't event get new loan cause of them. I have never missed a payment and I am being harassed by them.
Product: Credit card

I have been trying to deal with synchrony bank care credit Synchrony bank ca

re credit calls Amultiple times a day everyday. Early in the morning, mid morning, early afternoon, late afternoon, early evening and late evening. They also email me every day morning, afternoon and evening every day. That is too much and needs to stop. Including text messages This company is aware they was notify that I am currently out of work for right now due to health. I will be returning to work in another month or 2. This company is not working with me. 

There is a lost income right now. So I am struggling. Facing financial hardship while I am out of work.

What I am asking for.

To freeze my payment for now or allow me to pay what I can. Until I am back working.

Credit back any late fees or any other fees charge.

Remove anything negative reported to Credit reporting agencies.

Lowest the interest rate Limited the calls. 







Sent from my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax - I have sent over 4 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved.

XXXX - I have sent over 4 dispute letters to XXXX all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 90 days now and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2020 - XX/XX/2020 Actions Taken by Me : Sent 4 dispute letters to All bureaus ( XX/XX/XXXX, Equifax and XX/XX/XXXX ) by Certified Mail Return Receipt to remove inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My apologies, I do not have all the dates but I have contacted Equifax on several occasions during the last two years as they do to make available my score to financial companies that require from Equifax, XXXX  and XXXX a report. I do have the latest from my bank, XXXX XXXX XXXX XXXX, XXXX. which does have a date of XX/XX/2018. When spoken by phone in the past, they keep saying on the phone they do have my score, still it does not get reported even after I filled out forms and sent direct. They have indicated in the past that I do not have long history. But my question is why the other reporting agencies have more than 20 years of " excellent history ''. Can you help correcting this? 

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

Id theft victim. just checked my credit and found this these accounts are not mine XXXX XXXX XXXX  XXXX XXXX $ and XXXX $ XXXX XXXX XXXX {$22000.00} U S DEPT OF EDXXXX {$1700.00} U S DEPT OF EDXXXX {$3900.00} XXXX {$440.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according

to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as
appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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. 

REMEDY : Delete All Included Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From my credit report, because of multiple violations of the fair credit reporting act.
Product: Debt collection

On XX/XX/XXXX, I received a letter stating to pay a collection from XXXX XXXXXXXX to collect on a dept. Which XXXX XXXX has sold my information to another company name Radius Global Solutions this is company number two? That they will not speak to me just keep selling my information first company was diversified something? How can they keep doing this I need them to stop selling my information and send me all documents that I sign from XXXX XXXXXXXX within 30 days. 

Also according to 15 usc 1692c / 15 usc 1692 et seq Something needs to happen about them selling my information
Product: Checking or savings account

Capital One is having an outage and is passing it off as a technical issue from a vendor. The vendor has restored everything and has told the press. Capital One is withholding my direct deposit and it has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off I mailed all information showing I did not live at XXXX XXXX XXXX wv. I sent everything Equifax requested for a debt that was not miNE The address is still listed. Next I sent in complaint about accounts being re added to repors. Everything in my consumer complaint i mentioned. Equifax added it as a person quote thing on my credit report for potential creditors to see, I did not ask that it be added. Equifax has completed your dispute for Confirmation Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not receiving my billing and because of this I have just recently saw that I was late. I called the company and they said we apologize you were in paper billing. I now own business and i never put myself in paper billing, so this is a mistake on their end and I need then to remove that late payments immediately. If you look on the notes they did admit that I was in paper billing and that they had fixed the problem. Remove late payments immediately. I also didnt give them permission to report on my behalf. They are also reporting innaccurate info and none of the carrington reporting is the same accross the report. I need this removed asap.
Product: Debt collection

checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently looked at my credit report and noticed that there is information still wrong on my credit report and information still isnt being repoerted the same.. as to my understaning the dola date doesnt match and once account is chsrged off it shouldnt report co co every month i also disputed with the company and th4 credit bureas and information still not repoeted the same and the DOLA date is missing and being reported different
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, BANK OF AMERICA, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the following accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6400.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Debt collection

I have a garnishment being taken out of my check that I never was served for. It is for a over {$16000.00} that I never borrowed or had and they have already taken over {$3500.00}. Galaxy international purchasing LLC is the company that is taking this money.
Product: Credit reporting or other personal consumer reports

For the past 11 months I have been reaching out the bureau to remove inaccuracies through out my credit report and all lead to no progress. Its been months now and I dont believe have been treated fairly. Under 15 U.S. code 1681e ( b ) I have the right for all my information to be correct to it maximum correctness and should not be tormented with incorrect information. Furthermore these are the accounts that I have been constantly disputing month after month with every chance that I get : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. code 1681i Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. code s-2 ( A ) Reporting information with actual knowledge of errors 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. 

I am not under standing why these laws are not being abide by or actions or not being taken to change these measures.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/year> Subject : Dispute Regarding Charged-Off Account and Missing 1099-C Forms Dear CFPB, I am writing to file a formal dispute regarding a charged-off account that appears on my credit report. The creditor for this account did not provide me with a Form 1099-C, Cancellation of Debt, as required by the IRS when a debt is canceled, forgiven, or discharged in excess of {$600.00}. 
According to IRS guidelines, creditors must issue a 1099-C form when a debt is charged off and considered income for tax purposes. Failure to receive this form not only hinders my ability to accurately report my taxes but also raises concerns about the validity and handling of these accounts.

I kindly request the CFPB to investigate this matter and ensure that the creditor comply with federal regulations by providing the appropriate 1099-C forms or rectifying the status of these accounts on my credit report.

I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
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 XXXX XXXX Account NumberXXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I did not inquire about a car loan nor do I live in XXXX Georgia
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 e ( b ) and 15 USC 1681i ( 5 ), it is mandated that all information on my credit report must be 100 % accurate across all three credit Reporting agencies. The information in question is related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Upon reviewing my credit report, I have identified several inaccuracies in the accounts listed above including Statue of Limitations. Due to these inaccuracies, I am formally requesting that the information be thoroughly Investigated and verified with all documents used to verify copies sent to me. If they can not be verified as accurate, I request that they be removed from my credit report entirely. The inaccuracies of these accounts are affecting my credit score and financial standing unjustly. As per my rights under the FCRA, I demand that the issues be resolved within the legally specific timeframe of 30-45 days from receipt of this letter. Failure to address and correct these inaccuracies will leave me no choice but to seek Legal action. Under the FCRA, I am entitled to collect {$1000.00} in damages for each inaccuracy present on my credit report.
Product: Credit reporting or other personal consumer reports

] Subject : Notice of Data Breach and Intent to Pursue Litigation Dear Credit Bureau 's I am writing to formally notify you of a significant data breach that has affected me and potentially compromised my personal and financial information. As a result of this breach, I have suffered damages and incurred expenses that I believe are attributable to your organization 's failure to adequately protect my data. 

My SSN, Personal Information was Compromise data Beach should be removed in 24 hours.

Despite your legal obligations to safeguard sensitive consumer data under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, it is evident that your organization failed to implement adequate security measures to prevent unauthorized access to my personal information. This failure has caused me significant harm, including [ list any damages or expenses you have incurred as a result of the breach ]. 

Given the seriousness of this matter and the extent of the damages I have suffered, I am hereby notifying you of my intent to pursue litigation against your organization to seek redress for the harm caused by the data breach. I believe that your negligence in protecting my personal information constitutes a violation of my rights under the FCRA and other relevant statutes, and I am prepared to take legal action to hold your organization accountable for its actions. 

Please be advised that I expect your full cooperation in resolving this matter promptly and amicably. However, if a satisfactory resolution can not be reached through negotiation, I will have no choice but to pursue litigation to protect my legal rights and seek appropriate compensation for the damages I have incurred. 

I urge you to take this matter seriously and to provide a prompt response to this letter. If you require any additional information or documentation from me regarding the data breach or the damages I have suffered, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX