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

The purpose of this complaint is , I request that XXXX XXXX XXXX,XXXX XXXX formally substantiate account dataXXXX XXXX XXXX,XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX, withrespect to the unverified  accounts. Since errors may becontained within in that data, I hereby request that your company collect andforward the formal validation within a month of receipt of this request. In additionplease supplement with materials which verify that the account was not utilized as aprofit-loss tax deduction after my time as a student. I need more than a summaryone-sheet. Instead, I have demanded a substantive validation. Should you be unableto comply with my request during this reasonable period, any data disseminated fromyou to the major consumer reporting agencies must be considered counterfactualand may bespeak XXXX XXXX XXXX,XXXX XXXX desire to ignore consumer protection law. If thisis the circumstance, kindly annul such bureau reports upon your next transmittal.Thanks sincerely for your assisting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$720.00}
Product: Credit reporting or other personal consumer reports

Hello, I wrote two letters for these companies XXXX Experian XXXX XXXX ) On two different dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for " XXXX ''. I requested to remove the error on my credit report. There were several addresses and phone numbers on my account have nothing to do with me. I requested this be investigated and that these numbers or addresses could be caused by fraud or someone opening bad accounts in my name or something I don't know but have been asking for this and have no results only " XXXX '' complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my CREDIT FILE from this company and it has not been sent to me.
Product: Checking or savings account

I recieved 2 envlopes in the mail on XX/XX/2021. XXXX was a new debit card for a Wells Fargo account that I did not open and the other one was a closure of deposit accounts notice. I called the number provided and was on hold for over an hour and told that the fraud department was closed and would give me a call back the next day XX/XX/2021. I did not recieve a call back and have been on hold with them for over 2 hours now waiting for someone to answer my call
Product: Student loan

I am seeking access to my account to my loan service provider, NelNet, I have tried to log into my NelNet account because my email received an invoice for loan repayment and request that they defer my loans because of my in-school status. When I tried to make an account it stated I could not do so because there was already an account set up, which I did not create. I tried to recover a username or password to log into the created account, however, when I try to recover any password or username it simply says it can't carry that request out because they do not have my contact information and that to activate my account I would have to call their general customer service hotline, XXXX. This is not true, as I have already mentioned, they have serviced an invoice to my email but are stating they don't have contact information of mine. Regardless, I can't access my account or recover my account at all. I tried to call the phone number twice within the same day, XX/XX/2023. The first call started at XXXX XXXX. and I had to end up hanging up after an hour and XXXX minutes on the phone waiting because I had classes beginning soon. I decide to call again at XXXX XXXX and this time I waited for 2 hours and 15 minutes without reaching a customer service representative. Each time I called the automated voice system stated that I would be on call for an estimated " minutes '' and it would take about or over " half an hour ''. I had to hang up because I, like many others do not have many excess hours in the day to spend waiting for a response from customer service, the egregious part is the only way I can get into my account is through their phone line and I simply can't afford to await endless hours of automated messages in the hopes of a possibility that I reach a customer service representative by the end of the business day.
Product: Debt collection

Repeated calls and threats from  XXXX , calling themselves  Integrated Service s. But this is only the latest of MANY collection agencies who have harassed me for  XXXX  years over a debt owed by someone named  XXXX   XXXX . Of course,  if ANY  of them did their due diligence, they 'd know that  XXXX  is NOT  XXXX  's number. I 'm tired of telling them this, only to have the calls and threats continue. This has been MY number for  XXXX  years, there 's no  XXXX   XXXX  here, I do n't know any  XXXX   XXXX , and this harassment needs to stop.
Product: Credit reporting or other personal consumer reports

I have had reductions in my credit score in back to back bi-weekly reports. I have reached out and inquired what is new on my account ( missed payment, new activity, etc. ). The technician said the latest update to my file was from over 75+ days. No new activity therefore she could not indicate why my credit score was being hit so substantially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX EXPERIAN XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ) XXXX XX/XX/XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX C XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I missed 3 Payments due to a situation during the COVID 19 Crisis. I have sent a goodwill letter to the CEO of and to Capitol One to have these late payments removed as I am current with the account, always pay on time, and haven't missed a payment since. I recieved a call saying " We have to accurately report information to the bearau, so we are unable to remove .... '' etc. From what I recall under the CARES act I could have these payments removed but am not XXXX percent sure. Therefore I'm inquiring on a report with the CFPB to see if I can have this issue resolved and come to a solution that is both fair to me and Capitol One.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original

creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors. I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
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 XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : 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.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX and in XXXX, Prism Financial XXXX, LLC, XXXX XXXX XXXX, XXXX, OH XXXX, financed a used car for me. In XXXX, I started getting behind in car payments because my daughter became ill and was hospitalized or either in rehab most of the year. Because of her illness, I wasnt able to work that much because I was taking her to doctor appointments, calling the ambulance and going to the hospital. I asked Prizm to redo the loan or lower the payments, but they refused. I tried to trade the car in several times, but no one would do that because the cost of the payoff. Prism was harassing me over the phone and stressing me out. I was already stressed because of my daughters medical condition. I was afraid they would repossess the car when I was miles from home. I told them to come and get the car because I was beyond stressed. 
I received an email from my employer stating that my wages was being garnished for {$15000.00} starting XX/XX/XXXX. I dont have use of the car and would be paying for something I dont have. They could have lowered the payments rather than selling the car for pennies on the dollar. I am being put in the position of quitting my job, which means I could be homeless or filing for bankruptcy. There should be a law that prevents companies from doing that.
Product: Mortgage

Was charged late Fee of {$100.00} Unfairly, Under COVID 19, where the government advice that we may hold the mortgage. also i was refinancing the loan with the Bank. 
with all the issues going on Penny Mac insisted to charge late Fee they Got paid twice but 3 days late and they holding my money for 20 days as per the bank rule. customer service is not willing to help giving COVID19 hardship where some tenants couldn't make full payments.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.
Product: Student loan

Account # XXXX I was trying multiple times to ask Mohela why it took so long ( more than 3 months ) to approve the request for changing payment plan to XXXX  plan ; so far no response. The agents told me that there was a technical issue that prevent the reviewer to realize I submitted the plan back in XXXX so they had to renew that request. As a result, my accrued interest YTD is {$3200.00}. 

Please expedite the process of approving my request as it is too late now and also waive that minus {$700.00} because had I been approved the plan timely and made the payments above those remaining interest had been waived. This is the fault of Mohela and they should rectify to protect my rights. 

Thank you!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$2500.00}
Product: Credit reporting 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 correct : XXXX XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$590.00}
Product: Credit reporting or other personal consumer reports

I was a victims of identity theft from the T-Mobile data breach and my social security number and other personal information was leaked. I do no recognize this inquiry on my report and am requesting that it be removed from all three reporting agencies. My credit was in the XXXX at that time and would not have been applying for a mortgage.
Product: Credit card or prepaid card

Hello, On XX/XX/2019 while checking out at a XXXX XXXX  store located in XXXX, CT, I was asked if I would be interested in the store rewards card. Assuming this was just a card that accumulated points for purchases in store, I agreed. 

However, when the cashier began to ask me for my social security number, drivers license, etc. I asked why she needed that information. She replied it was necessary for the store rewards card. As I believed this to only be a store card I provided the requested information. 

At no point in this process did the cashier indicate in any way that this was a credit card application. If she had I would have immediately declined as I had no desire for another credit card. When she informed me that I had been approved I was flabbergasted and asked why she had not told me this was a credit card. Her response was that she had told me it was a store rewards card. 

As this was a Saturday ; I contacted the creditor, Synchrony Bank, on Monday, XX/XX/2019 to have them cancel this card and asked them to remove this inquiry from my credit report. The representative was helpful and cancelled the card and told me he would forward my request to have the inquiry removed. I emphatically told him that I was intentionally misled and not informed that this was a credit card application. He indicated he would provide that information. 

On XX/XX/2019 I received a response from Synchrony Bank, copy attached, in which they informed me that as I had provided the necessary information for their paperless credit card application they were not able to remove this credit inquiry. They went on to inform me that compliance is very important to them and they follow all applicable laws as outlined in the Fair Credit Reporting Act ( FCRA ). If that is so, then their employees should disclose to customers that they are applying for a CREDIT CARD and not a STORE REWARDS CARD. 

Additionally, they state in their letter to me that it was fully disclosed to me on the application that Synchrony Bank would access my credit file when processing my application. However, as this was a paperless application as they stated, how would I have known that? They clearly have contradicted themselves in this instance. 

As I was misled ; whether intentional or not ; this practice clearly is in violation of the FCRA in which a consumer needs to be fully informed of what they are applying for. Im sure I am not the only consumer that may have been impacted by this practice ; not only at this store. This may be their store practice to encourage their employees with incentives on accounts opened. 

I respectfully ask that this inquiry be removed from my credit report immediately.
Product: Checking or savings account

Regions bank of Alabama has charge my account several false overdraft fees and will not reverse them. I have explained them how it is inaccurate and I have receipts to prove the fees are false, the agent did not care to listen. Some of the charges are noticeably false. Please help. After review I have found that this same bank was fined for similar reasons in the past.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Address ] XXXX AZ Re : Dispute Case ID : XXXX Bank Name : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXccount # : XXXX Dear XXXX XXXX I am writing to formally dispute your recent findings regarding Dispute Case ID : XXXX. While I appreciate your prompt response, I must express my serious concerns regarding the assertion that the information in your file is accurate and complete. 

It has come to my attention that XXXX XXXX has provided information about me to XXXX XXXX XXXX XXXX without my explicit consent. This action constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. Additionally, the reporting of multiple accounts without my knowledge is unacceptable. 

Due to these privacy violations and the inaccurate nature of the information being reported, I hereby request the immediate removal of all accounts associated with my name from your records. The reporting of this information is damaging to my creditworthiness and is not in compliance with the FCRA. 

In light of these concerns, I also request a detailed explanation of the methods used to verify the accuracy of the reported information and the rationale behind your reporting practices.

As indicated in your correspondence, I am entitled to submit a rebuttal statement. Therefore, I ask that you include this letter as part of my rebuttal in your records. Additionally, I request a copy of any updated report to be sent to any parties that received my file within the past two years for employment purposes or within the past six months for other purposes. 

Lastly, I would like a copy of your reinvestigation procedures, including the contact information for any furnishers of information relevant to my dispute. 

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

Sincerely, XXXX XXXX
Product: Mortgage

RE : Bank of America HELOC account number XXXX Bank of America has de-listed my HELOC account from my login into their website to make payments. They also quit sending me statements. I have spoke to them and they requested assistance and complied with sending them the information pertaining to paystubs, bank statements, etc. which I have provided to them. I have proff from USPS tracking they received them. However, they will not contact me to let me konw the status since I am unable to view the account online or see any statements via USPS mail since they discontinued that. I would like to know the status of my HELOC and what I can do to get it restored, however they are not compliying. Due to my long work hours XXXX - XXXX Monday through Friday, I am unable to receive or make phone calls during those hours. Therefore I 've requested they send me updates via USPS mail or email and they have not. They request that I call them, which is impossible due to my work.