23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On  XXXX   XXXX  i went to buy a new toyota   XXXX   and i was ripped. I have asked why they sold me a truck that was  XXXX   XXXX  and gave it to me for  XXXX  they told me it was so help with my credit but i have perfect credit
Product: Debt collection

XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Jefferson Capital System ( XXXX ) Account number : XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to presentation ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX  ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions
Product: Student loan

XXXX Navient has not participated in fair practices for repaying my student loans. I graduated in XXXX and have been paying for several years now with virtually no change in the amount owed on the loan. The original principal on the loan was {$20000.00} and was disbursed in XX/XX/XXXX. The payoff was set to end in XXXX but now has been pushed back to XXXX and the remaining amount on the loan is {$20000.00}. The worrying and upsetting issue is that very little of the payments have been applied to the principle. For example, on XX/XX/XXXX, a payment of XXXX was made on the loan, but {$110.00} went to the principal and {$280.00} went to interest. Another payment example was on XX/XX/XXXX where a {$420.00} payment was made on the loan, but only {$58.00} was applied to the principal and {$360.00} went to interest. More examples can be provided without hesitation as this has happened on every payment that was made since the first payment on the loan was made. It does not make any sense whatsoever that after paying on the loan since XXXX that there is no change in the amount owed. At this rate, I will be paying on this loan for the rest of my lifetime and is a prime example of predatory lending. I contacted Navient about this issue and received no resolution nor any answer to why more was applied to the interest and not to the principal. They offered no option of resolving this issue and left it as a " we're sorry but that's the way it is '' kind of feeling. Even on a so called " variable interest rate '' this should not be happening. This is beyond criminal behavior and for a family that needed help sending their daughter to post secondary education, we have been taken advantage of for over a decade from Navient. If nothing is resolved, legal action will be pursued and we will not be afraid to bring this to attention. Navient should do the correct thing by forgiving this entire loan due to unfair payment practices and taking advantage of yet another family.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  XXXX Account name : XXXX  XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX
Product: Checking or savings account

On XX/XX/2024 approximately XXXXXXXX XXXX I received an email/text message stating to contact my bank to solve an issue and that my accounts will be closed. I then called out to them just to be told that the bank reached an decision to close my account without resolving any issue stated in the message/email. I have to wait 10 business days to receive my money I had in my account for my rent that I had to pay the remainder of today with understanding from my landlord. I have no clue whats going on and now theyre causing me late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point, I am exhausted and begging to please help me find counsel to represent against XXXX XXXX, XXXX, XXXX, Experian, and any other credit bureau reporting this on my credit. I have been traumatized and at XXXX, can lose my life due to the severe stress this has caused because of it reporting on the credit bureaus. It is not reporting on XXXX but is reporting on Experian and XXXX as of today. I have been fighting this for years but have Officially reported through your institution since XX/XX/2023. The final letter from XXXX XXXX and from XXXX stated that they requested the information from four bureaus since XXXX of 2023 but it is still reporting and I can not move into a retirement home because of the one collection on my account that I SWEAR does not belong to me. Anything that says I did not pay for it, it is not mine. I do not leave bills behind and NOT pay. I have before paid bills that did not belong to me but this one is so big that I could not afford to do so. XXXX XXXX also sent me a letter stating that the investigation has confirmed that it was a result of Fraud but it is still reporting on XX/XX/2023. Please help me file suit or whatever your service will help me because this has cost me a home, high interest rate where I pay a huge interest on my car payment, I have had to pay higher insurance rate, and was turned down for credit to assist me. I was told it would be removed by both the originating company, XXXX XXXX, and the Collection agency. This has cost me tremendously at the End of my life where I can't even assist my Children and my grand children when they need it. I don't mean to be nasty about it but I'm exhausted.
Product: Credit reporting or other personal consumer reports

I had negatively impacted on my credit - Nelnet student loan servicer failed to have any contact with me via e-mail, phone, mail - Today reported XXXX XXXX late payments on my account. I also wasn't even able to login into there website to verify account. I called Nelnet and made a payment to bring my account in good conditions. 

I was in assumption that student loans were still on freeze. Nelnet has failed to contact me to inform me or resolve this issue. I have zero communication with this company. I was surprised with negative marking on credit report without any attempt of the communications. Website unable to verify account or login into account to even verify the debt. 

I have XXXX credit score with all bureau and now it is destroyed. I have lots of articles where Nelnet has done same with thousands of accounts. It is almost impossible to even get hold of anyone at this company. 

I kindly ask you investigate this and remove any negative marking from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Product: Debt collection

Date Account opened ; XX/XX/2022 Amount Owed ; {$10000.00}. I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with RMP Services LlC.They did not provide me with the original contract as I requested.
Product: Checking or savings account

I had a horrible year dealing with Bank of America 's negligent behavior. Regardless of my income level, I am still a client of theirs and their treatment of me was horrendous. When I tried opening a business account, the representative in charge of this at the bank incorrectly entered my EIN number and I'm lucky to have caught it. This representative asked me what the difference between an LLC and XXXX is and she asked me what an LLC was. She also gave me incorrect information about adding a person to the account, stating they do not have to be present with me in person but can go to a BoA account in their state. This information was incorrect. 

Last year, their debit cards stopped working nationwide and they never addressed it to their customers nor did they ever apologize for it. I wasn't able to access my account via my card for a whole day and when I arrived at a physical location, I heard tellers accuse their customers that they were lying about the debit cards not working. 

I had a representative on the phone yell at me and tell me that " I clearly don't know how banking works '' and insinuate that I was stupid. 

Their fees are awful. If my personal account would overdraft by a dollar, I wouldn't be aware of it until the next day when I would wake up to overdraft fees. The e-mail notifications would hit my inbox at XXXX XXXX  and I was asleep and wasn't aware. 

They do not communicate properly with me. 

I am a small business owner and use XXXX. XXXX takes approximately two days to deposit funds into my account. They weren't forgiving at all and wouldn't help me override overdraft fees. By the time I had funds deposit into my account, on that same very day, it would go overdraft again because of their overdraft fees. I could never win with them. 

The worst part about it is that they are currently closing my account without having sent an e-mail or a notification. That account is the one linked to the IRS and it would have been where I would receive the stimulus check. I tried to ask them to stop the process but they wouldn't. I wish they would have informed me when they would start to close the account because I would have deposited money to keep it open. I already filed my 2019 taxes so the IRS may mail me a check but it's just awful because it will take longer than just having it direct deposited into my account. The online teller was surprised that I didn't receive a notification. 

This bank is by far one of the worst banks I've ever had an account with. I will never do business with them again. I was warned by friends not to open an account with them years ago and I should have listened to them.
Product: Credit reporting or other personal consumer reports

I reached out to the companies and they replied stating that it has been verified but failed to show proof of verification. I do not recognize this creditor nor authorized them to pull my credit,
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit cards is not reporting to my credit report 2 XXXX cards XXXX credit card XXXX credit card XXXX  credit card Also I am an authorized user on a XXXX credit card Also I am authorized user of a XXXX 's credit card Also authorized user on a XXXX XXXXXXXX card
Product: Credit card

The Synchrony Bank, which is the issuer of several of my credit cards ( listed below ), closed all my accounts abruptly and without warning. All of my accounts with them and other credit issuers are in good standing. I have always made my payments in full and before due date, never was late or delinquent or made even partial payments. I requested the reinstatement of all my accounts with the current/last approved credit limits. 

These are the cards I have with them and they closed : - XXXX XXXX - XXXX credit - XXXX  store card - Synchrony Premier XXXX ( XXXX  % Cashback ) - XXXX XXXX XXXX credit card - XXXX XXXX - XXXX store card
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Product: Credit reporting or other personal consumer reports

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

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

I AM A VICTIM OF IDENTITY THEFT AND I STILL HAVE ACCOUNTS THAT IS NOT MY OWN BEING DISPLAYED ON MY CREDIT PROFILE. THIS INFORMATION IS ERRONEOUS AND MUST BE PERMANENTLY REMOVED ASAP. THESE ARE NOT MY ACCOUNTS. I NEED TO HAVE THESE ACCOUNTS REMOVED IMMEDIATELY PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been in the market to purchase a home and reviewed my credit only to find that my credit files have been compromised and fraudulently used by others. The accounts opened have been used several times and have had a negative affect on my credit rating. There is an account with 1.XXXX dating back to XX/XX/2017 2. XXXX 3. XXXX XXXX and a medical company which was not opened by me or authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 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.
Product: Debt collection

At first, I've got the bill charge from XXXX XXXX. I told them them it wasn't mine, they said they will dispute the bill and close the account. 

Today, I realize my credit score went down and it was from JEFFERSON CAPITAL SYSTEM, It was a corrector company, I called they said it was from XXXX XXXX  that claim the charge. The charge was {$5900.00} they told me to call XXXX to dispute. 

I called XXXX again, they said they can't do anything since the account was already closed and the representative advised to claim the dispute here.
Product: Credit card

XX/XX/XXXX /XX/XX/2016 I purchased credit with Conn 's and obtained XXXX laptop. About XXXX months later I noticed keyboard key sticking. No food or liquids were ever spilled or near the said laptop. So I used a dust buster in early XX/XX/XXXX to possibly remove the problem. Did not help at all. They keyboard eventually went out and I had given prior notice to Conn 's and they gave me instructions on when to take my defective laptop into their XXXX @ XXXX location, where it had been purchased. So, about XX/XX/2016, I took in the laptop for repair. As time passed and no update, I started phoning Conn 's and was eventually informed that the part to repair was the delay. When I asked how long it would take no one knew. Another week passed and no one knew arrival of part. Third week, I demanded to speak to repair XXXX but he would never answer his phones. Again, I contacted Conn 's and requested to speak to corporate office. Only then did I get the answer that it would be XX/XX/2016 before the part would be in. I have already been out of money in having to travel across town XXXX XXXX, Texas XXXX and use another laptop and then having to produce our weekly newsletter, providing ink and such. 
No expediting. XXXX hours before corporate will review my request. I need my data ( documents, videos and pictures ) and a new XXXX laptop immediately. 
XXXX the computer repairman called me this morning, XX/XX/2016 around XXXX a.m. Said part is taking too long and that a new laptop is being requested ; that I should pick up the defective laptop and take it to an XXXX repair shop and have my data transferred and then return defective laptop to him. No. I had requested a full credit. Then Conn 's presented a new laptop. However, it takes time -- too much time.
Product: Credit reporting or other personal consumer reports

Violation of 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states Any consent to XXXX, 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 explained 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. " 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 and XXXX are not maintaining reasonable procedures. None of these accounts belong to me period.
Product: Bank account or service

I sold a phone on eBay. The seller paid via PayPal. PayPal waited until I shipped the phone to the customer then froze my account because of a debt they claim I owed in 2004. I was never sent a letter about this account and they will not show me valid proof that this is my account. They are holding my funds in the account and will not release them.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This was a fraudulent account that was open and i disputed everything with XXXX, XXXX  and XXXX  and it was removed from my credit report. I guess this diversified collections didnt like the result and keeps calling and harassing me. I told them several times to stop calling but they keep on going. Its more a nuisance at this point cause they just wont stop and i feel i need to change my number
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$3300.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$810.00} XXXX  XXXX XXXX : {$5400.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and saw some unauthorized and unvalidated inquiries on my report