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

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Dispute of Inaccurate Accounts and Hard Inquiries Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate and outdated information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts have violated my federally protected consumer rights under 15 U.S.C. 1681, and I am requesting their removal : Accounts in Dispute : XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  : 15 U.S.C. 1681 Section 602 A : I have the right to privacy. 
15 U.S.C. 1681 Section 604 A ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include information that is over 7 years old. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) : Information furnished to consumer reporting agencies must be accurate. 
Additional Concerns : The following hard inquiries on my credit report are also disputed under the FCRA : XXXX XXXX XXXX XXXX  : Unknown. 
XXXX XXXX XXXXXXXX OF XXXX Hard inquiry # 1. 
XXXX XXXX XXXX : Hard inquiry # 2. 
According to 15 U.S.C. 1681i and 15 U.S.C. 1681b, these inquiries are past the two-year limit and are not accurate or authorized by me. 

I request that you investigate these accounts and hard inquiries. They should be removed from my credit report as they are either outdated or inaccurately reported. Please provide written confirmation once these items have been removed or inform me if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I made an uninformed decision on XX/XX/2017, when I entered this consumer transaction with JP Morgan Chase. 15 U.S Code 1601 ( a ), I was uninformed of the basic facts with two consenting parties and with a clear understanding of what was in the agreement. There is no evidence of indebtedness, the only evidence of indebtedness was the agreement that is null avoid due to the information not being clear and conspicuous. In order to have adequate notice, there must be pertinent facts clearly and conspicuously so that I could have reasonably noticed it and understood its meaning 15 U.S. Code 1602 ( k ). A computer generating pages of terms of agreements can not be adequate notices that everyone can understand.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute a collection account that has been reported on my credit file, as I believe it is a fraudulent charge and should be removed. 
The account in question is as follows : XXXX XXXX : XXXX XXXX XXXX XXXX 
Agency Name : XXXX Date Assigned : XX/XX/year> Original Balance : {$3400.00} I did not authorize this debt, nor do I have any records or knowledge of the transaction leading to this account being placed in collections. Given that this is a fraud issue, I request that this account be investigated, and the fraudulent transaction be removed from my credit report entirely. 
To assist with the investigation, I have attached a copy of my identity theft report and any other relevant documentation that may support my case. Please treat this as an urgent matter, as this fraudulent activity is negatively impacting my credit score. I respectfully request that you complete your investigation and remove the collection
account from my credit report within the 30-day period required by law. I would appreciate a prompt response confirming that this matter has been resolved. 
Thank you for your attention to this issue. I look forward to your swift action in correcting my credit file.
Product: Mortgage

Around XX/XX/XXXX my HELOC with USAA disappeared from my online banking account. I called USAA and they stated that they were working on rectifying this issue because bankruptcy laws have changed. I informed them that my Ch XXXX was discharged 10 years prior and I was never late on my HELOC. In fact, I had paid down approximately XXXX $ regardless of the fact that it was an interest-only loan. I did not receive any paperwork or any phone calls. I called the bankruptcy department many times and they could not give me any information. In fact, their answers to my question were quite cryptic. I did request a lien release and they put the work order in but said I would have to call back in 2-3 weeks to find out the results. This back and forth has been going on since my first phone call to them. 

I have been attempting to refinance my property to a fixed rate and now I am held up by USAA because they refuse to release the lien. Again, when I called the bankruptcy department XX/XX/XXXX they could not give me any information except that the results of the last inquiry resulted in a refusal to release the lien. The person on the phone said she could not give me any further information because it has to be formally requested by another department. She could not even provide me with the account number. And, again, I have received no information about what is going on. 

My credit report shows that the account is closed with a XXXX  balance and no derogatory history. Yet USAA will not release the lien or give me any explanation for anything. This is 11 years after my CH XXXX. I was holding up my end of the bargain and was NEVER behind on my first or second mortgage. USAA never attempted to negotiate my term and closed my account without explanation. Again, it is not derogatory on my credit report. In fact, it shows a XXXX balance but they will not remove the lien and say I owe them money but no one can tell me anything further. 

I have no documentation besides my credit report and the proof that they were on my schedule D for CH in XXXX. As previously stated, USAA has removed all evidence of the HELOC and has not provided us with any paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX
Product: Credit card

To Whom It May Concern, This Is my LAST written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a call from someone who identify as a officer of Social Security Adm. It was a scam, but at that moment I didn't realized it. The person made me send all my money from a savings account ( {$15000.00} ) to a XXXX XXXX  by wire transfer and all my Credit Card from the same account {$11000.00} transfer to a gift card and send it to them at the same time by picture in a text. I loosed all that money and made claimed report to the bank and credit card department.. but as it was authorized from me, they did not accept the claim. I told them, that I understood, but if there was any chance that they could help me with the interest of the credit card.. My credit score was very good and because of what happened now is poor and truly it's frustrating because of ill-intentioned people. I filled a complaint with the police # XXXX, aldo with the FBI and with the Federal Credit Comision. If there's anything you can do or help me with, I will appreciated. This has damaged any plan I may have for the future and has damaged my credit scores that's even worse. I will appreciate your help and will be attentive to your answer.
Product: Debt collection

XXXX XXXX XXXX XXXX is attempting to collect a debt from me that is not owed. They have not submitted any validation or proof of me having a writing contract with XXXX XXXX XXXX, XXXX and myself.
Product: Mortgage

CFPB XXXX  XXXX This is in response to my first complaint and response from the company. I received a refund of {$1500.00} from the overpaid taxes. I went back to the Triad website to make a mortgage payment and they still show me owing taxes of {$300.00} and have not adjusted my account to reflect my mortgage payment. I called XXXX XXXX XXXX XXXX XXXX that was on their reply and I have called her to correct this tax rate error. I have called her several times and she has yet to return my calls. Her number is XXXX ext XXXX. I went up to the XXXX XXXX XXXXXXXX XXXX XXXXXXXX and they walked me down to the county auditors office and he looked at my title of my mobile home and figured the taxes for 2023 from the amount I am paying on this mobile home and his figure is : with homestead {$670.00} a year, without homestead {$1300.00} a year. That means my monthly pymt for taxes would be {$56.00} a month and Triad is charging me {$300.00} a month. My mobile home has not been assessed yet, so I don't know where they are getting this tax rate from, but I don't live in California. I have a single wide mobile home. I am not going to pay these taxes and they are not going to adjust anything until they get something from XXXX XXXX.
Product: Mortgage

I have applied for loan modification and have given Bayview Mortgage all my info and income and been denied laon modification, I am  XXXX   XXXX   XXXX  and have asked for assistance but yet been denied. I am very able to start making mortgage payments and get back on track, just need a loan modification for the past due amount. I am asking for assistance and yet can not get any help. Please help me.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, two years ago we bought a television at Best Buy, purchased as a promotion with no interest for two years on a XXXX XXXX Without much thought, we used the same card with its available credit for other purchases. When the promo period ended, XXXX XXXX, the deferred interest charge of {$720.00} had been applied to the amount due. Upon further research, at no time after other purchases had been made, were monthly payments or a portion of payment applied to the original purchase, only the subsequent purchases. If this interest is not paid in-full this month, it deems our account over the limit and will incur a fee of {$37.00}
Product: Student loan

My consolidated student loans included my ex-husband 's loans which, in the divorce settlement, I was responsible for paying off. I've paid for years on my loans beginning in the XXXX. When suspensions on student loans began due to Covid I diligently saved money in order to put down large amounts toward my consolidated loans. On XX/XX/XXXX I contacted fedloan servicing to ask for guidance on paying {$25000.00} toward my consolidated loan with the specific request that my ex-husband 's loans be paid off first, and the rest put toward paying off my loans. Then I learned about the PSLF forgiveness program which I applied for having worked in government and non-profit my entire life. I was notified in XX/XX/XXXX that I was eligible for loan forgiveness based on my work history and the number of payments I made on my loans. With this forgiveness I learned that the {$25000.00} that I paid on the consolidated loan was not used to pay off my ex-husband 's loans but only used toward my loans so, after the loan forgiveness I am left with {$14000.00} to pay off. I again applied for PSLF loan forgiveness but have not received it as of yet. I have written and called and receive no assistance or a re-distribution on my {$25000.00} payment. It's very frustrating especially because I an now retired with a very small income. Is there anything your organization can do to help with this situation? My student account number is XXXX. My name is XXXX XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these accounts from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. Also, I have sent my FTC report but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

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: Credit reporting or other personal consumer reports

On XX/XX/XXXX after finishing work I was on my way home, two people stopped me crossing the road and captured my car. 

Tomorrow I will update the dealership on this flight. 

After two days I went to the dealership to collect my car, he refused to give me the car and then sent me my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me Please remove the following : 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 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

I have provided this credit reporting agency ample and adequate information for them to remove requested items on my consumer report. Two of them so far to be exact. These attempts have been through affidavits that have gone unrebutted. In Law an unrebutted affidavit stands as truth. This is not the only truth. It is a fact this credit reporting agency is in violation of the Fair Credit Reporting Act. Congress wrote the FCRA to promote the accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. Congress found that an " elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. With that being said pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. " The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant 15 USC 1681a ( 2 ) ( B ). I am demanding that you these transactions from my report immediately as they are violation of mu rights as a federal protected consumer under title 15 chapter 41 XXXX XXXX XXXXXXXX ; Account # XXXXXXXX XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX XXXX XXXX XXXX ; Account # XXXX
Product: Debt collection

XXXX XXXX XXXX  This debt has been paid in full. Im fact, its one of the initial statements that is made when I call in for information regarding this matter. My companys payroll requires them to send in written confirmation either by mail, fax, or both in order for the garnishment to be ceased. This company states that they have done both, however each time a representative from my company contacts me they inform me that they have received nothing. I have requested & left messages numerous time for a member of management from the collecting company to contact me. There is is always an excuse or either a dead line on the end when they do call. This has been ongoing for almost a month now & this company continues to garnish wages that are no longer owed. They also have no record of a check that was sent to them in the exact amount of XXXX. This check was tracked & it has been ruled that a member of XXXX XXXX in fact received this payment on XX/XX/2020. No one has given me any legitimate reason why this payment was not posted to my account. This account is paid in full. There is money owed back to me that this company refuses to account for. I am only given the runaround time after time & paychecks are continued to be garnished.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of a fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX, NJ 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 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 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  -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX as seen on my credit report XXXX XXXX is the company that has violated my rights, they have transferred my DEBT to a third party XXXX. 


20 U.S. Code 1232g - Family educational and privacy rights clearly states : ( A ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. If any material or document in the education record of a student includes information on more than one student, the parents of one of such students shall have the right to inspect and review only such part of such material or document as relates to such student or to be informed of the specific information contained in such part of such material. Each educational agency or institution shall establish appropriate procedures for the granting of a request by parents for access to the education records of their children within a reasonable period of time, but in no case more than forty-five days after the request has been made. 

XXXX XXXX, as a servicer of student loans, is required to comply with the privacy protections outlined in FERPA, they have failed to maintain my privacy and educational records.