23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have been one to always stay on top of my debts. I have an auto loan with Nissan that I have never been late on. I paid my account via phone during the month of XXXX, when I called I was advised that I had fallen 30 days late. I stated to Nissan that I was aware that my payment was made on the XXXX day. However, I was told that since the payment would n't post until the next business day I was in fact 30 days late. I explained to the rep, I even spoke to two supervisors who advised me that there was nothing that I can do. I explained that I was a XXXX Vet and that I was juggling two households because I take care of my father under XXXX. I even wrote them a letter pleading my case. That I did n't intend to fall behind, I just let the date get beyond me. This is affecting my credit and my employment because I need a security clearance to perform my job. I am in jeopardy of loosing my job if I do n't get this late pay removed from my credit.
Product: Credit reporting or other personal consumer reports

Dear DEPT OF EDXXXX, I am writing to request the deletion of certain student loans from my credit report as provided for under Federal law specifically 15 USC 1681b ( a ) ( c ). I believe that the inclusion of these student loans on my credit report is in violation of the law, and I kindly request your assistance in rectifying this matter.

As you are aware, 15 USC 1681b ( a ) ( c ) mandates, that consumer reporting agencies, such as yours, Must insure the accuracy and fairness of the information they include in credit reports. According to my understanding of the law, certain student loan should be exempt from reporting after a certain period of time, provided they meet the necessary criteria outline in the statute. 
After conducting a thorough review of my credit report, I have identified the following student loans that I believe should no longer be included : Loan type : Education loan Creditor name : DEPT OF ED/XXXX  Date : XX/XX/XXXX Loan type : Education loan Creditor name : DEPT OF ED/XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : DEPT OF ED/XXXX Date : XX/XX/XXXX Loan type : Education loan Creditor name : DEPT OF ED/XXXX  Date : XX/XX/XXXX Loan type : Education loan Creditor name : DEPT OF ED/XXXX  Date : XX/XX/XXXX Loan type : Education loan Creditor name : DEPT OF ED/XXXX Date : XX/XX/XXXX I kindly request that you investigate the inclusion of these loans on my credit report and take appropriate action to remove them if they indeed meet the criteria for deletion under 15 USC 1681b ( a ) ( c ). I understand that the law allows for the removal of obsolete and outdated information, and I believe that these loans fall within those parameters. 
I have attached relevant, supporting documentation that demonstrates the eligibility of these loans for removal if there is any additional information or documentation required from my end, Please let me know, and I will promptly provide it. 
I kindly request that you respond to this matter within the timeframe for by the federal law to ensure the timely resolution of this issue. Please communicate with me in writing, regarding any action taken, or any further steps required on my part. 
Thank you for your attention to this matter I look forward to your prompt response in the successful resolution of this request. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The Northeast Recovery company has been calling for the last year for someone with a similar name but is not me. They called XX/XX/XXXX twice and left a message was left from a XXXX XXXX and he said that they were from XXXX XXXX and that someone called and field a complaint against me, they also said the banking info they have is incorrect I don't even know what this company is. They called again yesterday XX/XX/XXXX and left a threatening message and I called the phone company and was told to reach out to wind-stream to FCC and then the FCC told me to contact the federal trade commission who then told me to reach out to you and file a complaint. The phone company told me that they have received several complaints for this same company and that it is a scam.
Product: Bank account or service

I closed on the home equity line of credit with Branch Manger XXXX of Citizen Bank branch # XXXX NY XXXX early this year. She knew I have funds available in the account. She asked to borrow money in amount of {$100000.00} with interest paid upfront in amount of {$3300.00} for time sensitive need, required in 72hrs while the other lander is charging her {$10000.00} up front fee in addition to interest. She assured at the most it will take 30 days but on the safe side I will give you 90 days promissory note.I reluctantly agreed. She transferred the funds from my account right then on XX/XX/2016 and pass me the copy of interest calculation which was done on XXXX (? ), I had the sinking feeling then that it may just be the planned withdrawal of funds!! 
30 days pass by, nothing happened. Promissory note given to me after repeated request but it had the different wording -- -no later than XX/XX/XXXX or upon the closing of the mortgage. That 's not what was mentioned to me at the time of transfer. 
XX/XX/XXXX passed by -- -- no funds came back to my account. i reported to regional manager, XXXX XXXX, he asked to see the point person, XXXX, the investigator, She promised to contact me as soon as possible but no contact came! Citizen Bank let go manager XXXX + XXXX ( person notarized the document and processed the transaction. Both knowing violated the bank-client relationship. No help from Citizen Bank to get funds back into my equity account, was bank money loaned to me, now I am responsible for the payment for next 15-30 years while the Manager, XXXX has the money with no certain date to return!!!
Product: Mortgage

I would like to file complaint against PNC MORTGAGE located at XXXX XXXX XXXX XXXX Ohio XXXX for mishandling my payments and overcharging my account. 
Loan # XXXX My loan used to be with XXXX XXXX and everything was going fine in XXXX XXXX the loan got sold to PNC MORTGAGE and for some reason the property insurance documents were not transferred with loan docs. PNC purchased a placed lender policy and of course our monthly due went up almost XXXX dollars after it used to be XXXX it became XXXX. We used to make an automatic payment of XXXX dollars for the difference to apply to principal. 
I submitted the proof of insurance from XX/XX/XXXX several times until they admitted they received. I called them so many times over the last 2-3 months to refund our money and to stop their collection calls but nobody want to cooperate. Last call was on Friday XX/XX/XXXX I asked to talk to a supervisor they said he or she is not available and will call me back and of course no one did. 
All what I asked for is 1-to refund the XXXX dollars for the Lender placed policy 2-refund all overcharges to our account and replenish our escrow account accordingly including overcharges plus any interest or late fees assessed. 
3-not to charge our account for the insurance policy that we already paid for directly to our insurance agent 4-apply the difference between our correct due amount and the XXXX dollars toward our principal 5-stop their collection calls
Product: Debt collection

XX/XX/XXXX had XXXX XXXXXXXX and XXXX XXXX XXXX in XXXX, never submitted the claim to my health insurance for payment. In XXXX Capio Partners calls and sends me texts to resolve my balance that they claim I owe. 

I advised them that it's been past the 2 years statute of limitations, they can legal collect and since XXXX didn't file with the insurance company and under the insurance company and XXXX XXXXs contract that XXXX can't collect of the debt. 

XXXX sold the debt to Capio Partners and Capio wants to make money on me, and I have asked for Capio to verification of debt or copy of the judgment entered against me, I want the know the validity of this debt or any portion of it. I have been unable to get that information from them, but continue to receive text massages and calls from them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX I contacted who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your help and assistance. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for my purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX  XXXX  XX/XX/2018XXXX  XX/XX/2018XXXX XXXX XXXX XXXX XX/XX/2018
Product: Credit card or prepaid card

I applied for Bank of America business credit card on XX/XX/XXXX. I have not received any information from the bank about the status of my application. Application Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Experian - I have sent over 4 dispute letters to Experian 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/XXXX - XX/XX/2020 Actions Taken By Me : Sent 4 dispute letters to both bureaus ( Experian and XXXX ) by Certified Mail Return Receipt to remove inaccurate accounts.
Product: Debt collection

Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debt that your agency claims I owe. I received a collection notice from your organization asserting that I owe this debt related to this account. 

1. Verification of the Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information.

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor.

3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 
4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement, if applicable, that demonstrates my obligation to pay this debt.

5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by the relevant state and federal laws.

Please consider this letter as a formal dispute of the debt, and I Kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

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

Dispute on XX/XX/XXXX Response Dated XX/XX/XXXX Received in Mail XX/XX/XXXX Report Number : XXXX Transunion XXXXXX/XX/XXXX XXXX XXXX, PA XXXX The company that reported the information has Verified As Accurate. 

I am including an attachments that the courts do not to report credit report bureaus. 
US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number ( XXXX ) XXXX Chapter XXXX bankruptcy discharged Case # XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts and Inquiries under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. As I am a victim of a data breach, these fraudulent items must be removed under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

Below are the details of the accounts and inquiries to be removed : Accounts : XXXX. XXXX Account XXXX : XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$20000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$960.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$720.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$510.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX. XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$350.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$530.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$50.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Amount : {$190.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5400.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$20000.00} Inquiry : XXXX. XXXX XXXX SER Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Account # # XXXX I have attempted to dispute this account various times and each time the dispute returned as verified, reported accurately. I have even mailed in a method of verification for this account and have recieved nothing but an updated credit report each time. No response as to how, why or what they used to verify this account is accurately reporting, let alone that this account able to be reported to my credit file per FCRA. I have mailed this company multiple times asking for validation and each time the they have either failed to respond or have not produce anything showing such. 

You will see in my letters dated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX that I have repeatedly made these offers. XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XXXX XX/XX/XXXX however as a courtesy I gave them another 17 days to respond which they did not. This settled the matter, once and for all, on XXXX XX/XX/XXXX. 

It seems to me that there is no original instrument of indebtedness in existence, which again settles the matter legally and financially. As of the date of this letter XX/XX/XXXX, I still have not received an instrument of indebtedness. I hereby request that you would remove Acct # XXXX. 


Also attached are a copy of the letters i sent, as well a certified mail receipts and return receipts showing that these letters were sent and received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are continuing to report incorrect information on my credit report regarding a bill that has already been paid.
Product: Credit reporting or other personal consumer reports

After running a free credit report on myself and seeing a one line " lexisnexis '' under a supplemental heading, I requested a full report from LexisNexis to include all information they have on file for me. After receiving a 58 page report that included shockingly personal information ( my collision insurance deductible amount and full amounts of my insurance coverage ; addresses I've never lived at or been associated with ; my mom 's social security number. These are just a few of the things I was shocked to find in this report ). Most concerning was them reporting a XXXX XXXX XXXX for which I had my XXXX XXXX, and was told that after the XXXX XXXX XXXX it wouldn't be available even to law enforcement agencies, yet here it was on this lexisnexis report which had been given to a number of companies ( many of which I don't recognize nor authorized to obtain any information about me ). In spite of my having to provide Lexisnexis proof of my identity to receive this report, when I tried to dispute and complain about this matter, they would not accept it without providing a litany of private documents to supposedly prove my identity ( e.g. rental agreement with landlord ). I am considering contacting an attorney to file a lawsuit against these people for a clear violation of my civil rights and right to privacy.
Product: Credit reporting or other personal consumer reports

Dear CFPB Complaints Team, I hope this message finds you well. I'm writing to bring attention to a concerning issue related to inaccurate information on my credit report, particularly concerning accounts linked to Volvo Car Financial Services ( also known as Polestar Financial Services ) and XXXX XXXX XXXX. 

I've made numerous attempts to rectify these issues through different channels, yet unfortunately, I haven't received satisfactory responses or seen compliance with my requests. 

According to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting and validation of debts. Therefore, I am formally requesting specific documents and information to address these concerns Volvo Car Financial Services ( also known as Polestar Financial Services ) Copies of any contracts signed by me that validate my liability for the alleged debt. 
Documentation proving the authority to make claims. 
Any detailed evidence, including signed contracts, that establish my liability for the alleged debt. 
Certified copies of initial balance sheets for the account in question. 
The entire promissory note related to the debt. 
A comprehensive disclosure of the alleged agreement and all contracts contributing to the claimed owed amount. 
A contract specifically authorizing the pursuit of the alleged debt against me. 
For XXXX XXXX XXXX : Documents substantiating the contractual obligation linking me to the alleged debt. 
Evidence confirming authority to pursue the debt on behalf of the creditor. 
Complete disclosure of agreements and contracts forming the basis of the claimed debt. 
Regarding the credit reporting agencies ( XXXX, XXXX, XXXX, XXXX ) : Detailed records of communications with Volvo Car Financial Services XXXX Polestar Financial Services ) that include names, authorities, contact information, and documented evidence. 
Similar records for communications with XXXX XXXX XXXX, including contact details and documentary evidence. 
Signed disclosures authorizing the disclosure, verification, and validation of my consumer accounts. 
Documentation outlining the methodology used to modify my consumer report, including sources of information and validations considered. 
These demands aim to secure comprehensive information and documentation necessary for validating the debts in question and the processes used by credit reporting agencies. I am deeply concerned about the inaccuracies and the lack of response from involved parties, which seem to violate consumer protection laws. 

I kindly request your prompt attention and assistance in resolving this matter. Thank you for your time and consideration.