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

In XXXX, I completed disputes with Equifax and XXXX to resolve incorrect reporting of my Dept of EducationXXXX accounts that were opened on XX/XX/XXXX with balances in the amount of {$33000.00} and {$27000.00} respectively. These loans were originated as a federal student loan consolidation with an origination date of XX/XX/XXXX and final payoff and closing date of XX/XX/XXXX as documented with the Department of Education. A copy of the loan documentation sourced from the Department of Education is attached herein. 

Currently, both the Equifax and XXXX reporting of these accounts are inaccurate. Both CRAs continue to falsely report that these accounts were opened on XX/XX/XXXX and closed on XX/XX/XXXX, triggering a false reporting that the accounts were only open for a total of 7 months. Further, additional information fields continue to report incomplete or inaccurate information. A copy of the account reporting issued by Equifax and XXXX is attached herein with all incorrect fields requiring updating highlighted in yellow. 

After completing a series of disputes to correct this information, the dispute results issued by both CRAs falsely confirmed that the information was verified with the furnisher as correct. A copy of Equifax 's dispute results as of XX/XX/XXXX is attached to this complaint. XXXX also received a dispute for this account however results were not made available to me as the site continues to block, restrict, and prevent access to my disputes. Attached is a copy of the error messages and screen messages I received when attempting to access my dispute results for these loans. 

This complaint is being filed to request prompt correct of the inaccuracies currently being reported, including updating the payment history, loan close date to XX/XX/XXXX as documented by the Department of Education, and the other accuracies as indicated in the attached
Product: Vehicle loan or lease

XX/XX/XXXX made payment they said would be returned when loan payoff was backdated to date of loss on insurance. XX/XX/XXXX was informed it was met refunded. Also wasn't refunded XXXX from canceled extended warranty they said is shown on their computer. They are holding onto this money to take advantage of high interest rates.
Product: Credit reporting or other personal consumer reports

Recently I have looked at a copy of my credit report and noticed several inaccuracies on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item i am asking you to verify as accurate : 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this to formally dispute the inaccurate reporting of late payments on my XXXX account, XXXX. I believe this to be an error, as my account status has not changed and I have continued to make timely payments. 
The discrepancy between the XXXX reports has caused significant concern and may negatively impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I settled an account with the company XXXX, paid through the debt collector XXXX XXXX. I've been supplied a written letter stating that the debt was settled. The credit bureau Experian won't remove the debt even though I've provided the letter from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX XXXX, account number XXXX is showing up on my credit report. The last payment was reported XX/XX/XXXX. The account is too old to still be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with XXXX XXXX for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to XXXX, XXXX  and Equifax ; with no resolution. 
I am attaching a copy of my auto lease that I signed with XXXX XXXX along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letters, which were submitted on XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX, you are required to investigate and respond to disputes regarding inaccurate information in my credit report within XXXX  days. 

As of today, I have not received a response to my disputes. I kindly request that you address these inaccuracies immediately and provide me with the results of your investigation. If the disputed information can not be verified, please ensure that it is promptly removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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: Credit card

XXXX. I opened my Comenity Bank Bread Rewards American Express credit card account on XX/XX/year>. 
XXXX. On XX/XX/year> Comenity Band emailed me telling me to activate my card. In that email there was a banner that said, " Don't miss out! Earn XXXX bonus points redeemable for a {$200.00} statement credit when you spend {$1000.00} on your Bread Rewards American Express credit card in the first 90 days! '' ( see entire email in my first attachment ) XXXX. I met the {$1000.00} spending requirement in well under the required 90 days, but never received the promised XXXX bonus points. I messaged Comentity Bank providing proof that they had promised the XXXX bonus points for $ XXXX spending within the first 90 days and asked them to post the XXXX bonus points. On XX/XX/year> Comenity send me a denial letter that said " We found your account doesn't qualify for rewards ... .The promotion 's, earn XXXX bonus points after spending {$1000.00} within 90 days of an account being opened, effective start date was XX/XX/year>. Your account was opened on XX/XX/year>. '' This XX/XX/XXXX start date is FALSE, as Comenity sent me info on this on XX/XX/XXXX, and there was no mention of a XX/XX/XXXX start date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this credit reporting bureau XXXX has violated my rights.15 USC 1681 Sec.602 states that I have a right to privacy. 15 USC 1681 Sec. 604 ( a ) Sec.2 it also states that a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Will I have to make multiple reports or will you also see to it that the other credit reporting bureaus are also in compliance and are not equally guilty of violating my rights by doing so as well?
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorney 's General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of 30 and 60 days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment.

Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The law firm of Pressler and Pressler LLP in XXXX NJ has been filing suite against me in the local county courts and I have been requesting the required information on the debt since they had XXXX contacted me and they have not yet done so, I have repeatedly advise them it is not my debt. Through my own research with what little information they have given me it appears they and their partners have purchased some kind of written of credit card which has nothing to do with me. The courts set a trial day for XXXX XXXX however upon arrival I had been informed it had somehow be decided on XXXX XXXX, additionally each time I receive any notifications concerning the debt they have provide a different name for the entity claiming to own the debt further confusing the issue and from the articles I have found is a tactic they often use, I have been informed the firm is currently under federal investigation for using similar actions in violation of the Federal Fair Debt Collection Practices Act.
Product: Credit reporting

MY ACCOUNTS ARE ALL LOCKED DOWN AND SAYING THAT I HAVE BEEN MARRIED AND ALSO HAVE A NEW HOUSE I AM RENTING OUT
Product: Debt collection

I received a letter from Trident Asset Management stating that they sold the account that I previous filed a complaint on with the CFPB. In the letter that was sent to me it says that the account was sold to XXXX XXXX XXXX XXXX XXXX. It fails to inform me that I have the right to dispute, It fails to inform me of the date that XXXX purchased the debt, It failed to inform me that I have the right to request validation for the assumed debt. The letter sent to me only informs me of the original creditor, the original creditors account number, current credit who owns the account now, balance due, and Trident Acc number. The information that is required by law is left out. 
The letter was written on XX/XX/2021 so I can only assume that the account was sold to XXXX on or before XX/XX/2021. Trident/Orion had to have a letter mailed out to me within ( 5 ) days after XXXX purchased the account with the necessary information included in the letter that is required by federal law. I previously filed a complaint with the CFPB about this account requesting that the account was not being validated by Trident, I never received a validation, instead they sold the account to their sister company named XXXX XXXX XXXX XXXX XXXX. 
It is now past the ( 5 ) day window allowed by federal law and the Fair Credit Reporting Act and other government entities that set forth and enforce these laws and regulations that has to be followed. 
I have requested for debt validation numerous times and Trident has refused to validate the assumed debt.
Product: Checking or savings account

My car was broken into and my phone and personal belongings were all stolen. Somebody made a bunch of charges from my XXXX XXXX  that is linked to my personal and business debit account. I called them to inform them that my car was broken into and they told me some charges that werent authorized then I called to report my phone stolen I submitted all documents from the insurance company showing the phone was stolen They are denying to credit my account back and feel that I shouldnt responsible under the fair credit billing act since I did not authorize any of these transactions
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 sec

tion 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: Checking or savings account

I opened a CD at bank for my mother, XXXX XXXX XXXX, in which I was POA. I was told at the time by bank that I could not have a POD with a POA. In essence all this is the banks fault for not telling me what would happen with no POD listed on the CD originally.

My mother, passed away on XX/XX/XXXX, and I have been taking care of her estate since she nominated me as her executor/and only survivor in her Trust and a Will that is part of her Trust.

I notified bank and reported her death and mailed what I considered to be the banks requested documents : her death certificate ( original ) ; notarized paper stating that I am ( from XX/XX/XXXX ) making myself successor executor of her Trust due to declining health matters that she was experiencing ; and my ID.

XXXX XXXX letter dated XX/XX/XXXX, states that they had received documents and that there was one last step to closing account and that was an Estate Distribution form that was signed by me and notarized and returned to bank.

I received another letter from Bank dated XX/XX/XXXX asking for the original documents that they acknowledged to having already received. I telephoned bank and their phone rep was no help in this matter. He stated that bank now wants a Letter of Testamentary.

I then mailed a cover letter with parts of her Trust relating to successor Trustees and her complete Will stating that I am the Executor and only survivor and noted beneficiary within. I have never heard from bank at anytime during these months of trying to close out account, other than the 3 letters wanted documentation or asking for a notarized signature to disburse funds.

I e-mailed the CEO of XXXX XXXX  located I believe in Utah. In turn, I get a phone call from a problem solver with bank which was just another telephone rep reiterating the need for a Letter of Testamentary which is a court document. I have explained over and over to bank that this Trust and Will is not going to probate but they just dont get it.

I am a senior citizen myself and reside in South Carolina. My mother resided in Nebraska and passed away there also. If bank wanted this document originally they sure didnt ask for it. This coming back again and again asking for things dragging out a customer request is not fair business practice.
Product: Debt collection

I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
Product: Mortgage

For months I been asking for Qualified Written Request from time back in XXXX. I still have not receive anything from Wells Fargo. I receive no letters from them to what I had ask for. Now they have been way pass the 60 days mark from providing me eveything I ask for in the QWR. I needed updated information on my account. Wells fargo is refusing to complay with my request and saying they send me the information on this awile back. Which was years ago. Which is not current information. Nevertheless, they did not provide everything back then on what I requested from in the letter. What was sent to me years ago and not current information.
Product: Debt collection

I previously filed a complaint with Acima leasing because they charged me twice. They responded to that complaint and said that one of the charges has been refunded. It is now XX/XX/scrub>XXXX  at XXXX XXXX and my money has not been refunded nor is it pending as a refund to my account. I have also filed a dispute with my bank to try to get my money.
Product: Credit reporting or other personal consumer reports

I am writing to demand that you immediately remove inaccurate information from my credit report. It has come to my attention that my credit report contains fraudulent information that I have no relationship to. This is unacceptable and I demand that you take immediate action to rectify this issue. The following addresses are incorrect and should be removed from my credit report immediately : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

On XX/XX/scrub>XXXX I filed a complaint with CFPB. Ever since then, Ive been retaliated against ever since. On XX/XX/year> I had XXXX in my checking account. I XXXX XXXXXXXX. Which left me with XXXX. I left XXXX in my checking. I put the rest in my other account. On XXXX I received a return check fee because my item was XXXX. I then called and the representative said its because I had no money in my account. I asked to speak to a supervisor and was left on hold for 25 minutes.now Im being charged an {$35.00} overdraft fee for {$1.00} that was in another account. ( my teen checking )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had any dealings with  XXXX   XXXX . I have not had a reason to utilize any of their services. Without any prior contact, they are reporting false information on my credit report. They have not responded to my previous request for information regarding this inappropriate reporting of information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX i was never late on my account XXXX XXXX XXXX  ( XXXX ) on ( XX/XX/XXXX )
Product: Vehicle loan or lease

I have no contract with Navy Federal Credit Union regarding this alleged car loan debt acc #  XXXX that is on my credit report that I never took out with them. I never signed a promissiory note that bears my written signature or gave Navy Federal written consent to the alledge auto loan that is showing up on my credit report to all three bureaus. Navy Federal can not hold me responsible for a debt I never took out with them nor sign a promissiory note. So, I want to know why is it on my credit report when it was my spouse loan to begin with when I never signed any agreement with Navy Federal regarding the loan on my credit report that is showing charged off and closed. If Navy Federal can provide me documentation according to pursant to 15 USC 1692g Sec. 809b of the FDCPA. I am respectfully request that your offices provide me with competent evidence and that I have legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of three major credit bureaus this action might constitutes fraud under both Federal and state laws. Due to this fact if any negative Mark is found or continues to report on any of my credit reports by your company or company you represent I will not hesitate I bringing legal action against you and your client for the following violation of the fair debt collection practice act and defamation of character. Please remove this alleged debt from my credit reports.