23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collections account was reported to the credit bureaus in the amount of {$450.00}. I sent proof to the collection agency that the account was paid in full a year earlier, however, I have still not received confirmation that the derogatory and patently false notation would be removed.
Product: Credit reporting or other personal consumer reports

I have tried on multiple occasions to dispute negative accounts and collection accounts and to validate those accounts with no positive outcome. I dont believe the reporting agency is fully investigating these disputes required by law. 

15 U.S.C 1681b Permissible purposes of consumer reports. 
To report a debt account without written instructions to do so is a violation of my consumer rights. Its compelled extortion via constructive fraud, resulting in the deprivation of rights, slander, defamation of character and economic compulsion.
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account both joint and individual. These funds were sufficient at the time the transactions were authorized. 

This situation mirrors the recent findings in the CFPB regrading Navy Federal practices. I believe these practices were unfair and I am requesting an investigation to be performed regarding my account.
Product: Credit reporting or other personal consumer reports

The following auto Loan account, student loan accounts, credit card accounts and hard inquiries currently listed on my Trans Union, XXXX and XXXX credit report are unauthorized and not my accounts, student loans or hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In early XXXX I submitted a dispute request to XXXX re : a debt showing on my report. The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled onXX/XX/XXXX. This information has been removed from my XXXX  and Equifax file already but not my XXXX file- XXXX has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at XXXX XXXX Fri XX/XX/XXXX XXXX XXXX Dear XXXX, XXXX has received a copy of the complaint that you filed with the XXXX. At XXXX, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, XXXX sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with XXXX after not receiving a payment from you in over 90 days. We never received a payment. XXXX sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX XXXX. Once this is complete XXXX will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX 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, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I received a bill from a hospital in California, I reached out and advised I have not been there and must be mistaken. I asked for anything showing it was my bill, due to the fact I live in Arizona and covered by XXXX, so I'm sure I had no medical bills in California. I also received a physician bill at the same time, when I reached out and explained I live in AZ and not my bill, they removed the balance. I have disputed numerous times on credit reports, but not getting anywhere. I do not feel it is ok for them the just add accounts to peoples credit as it has drastically affected my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX fraudulent accounts appearing on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off my student loans to bring the account into to good standing. When I did that experian also placed a late payment status on my account making seem as if I just was late on a payment. Before I paid it off there were no late payments on the account. I tried to disputing error with experian. They just told me it was verified. I also made them aware that it was impossible for me to have a late payment in XXXX of XX/XX/2020being that the CARES ACT was passed year and half ago. This inaccurate late payment that was placed on my account in error is hindering me from by a home and further more getting funding to go to school. Can you please have experian to remove the late payment.
Product: Vehicle loan or lease

My loan was bought by XXXX XXXX XXXX. I called about my payment showing past due. I sent proof i made payment on XXXX XXXX 2017 and account should be updated. Reps and managers have been rude and have attempted to collect even though my loan is not past due. Also receiving calls via auto dialer even though i have specifically advise then not to call me cell phone in the dialer. I have called several times to have issue rectified.now i am facing possible credit marking about this. I will file a Ag and bbb complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX SXXXX XXXX XXXX XXXX - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX I keep getting stall letters in the mail ; which in fact IT IS ME disputing!
Product: Mortgage

To whom it may concern, To those that follow the markets you might know that XXXX interest rates will rise over the next few years. But if you 're not aware of financial trends, a 1 year adjustable mortgage might sound tempting but it is utterly foolish since such a mortgage will only get more expensive over the next few years. Hence my surprise when XXXX sent me offer to swap my 30 year fixed rate mortgage for a 1 year adjustable mortgage based on the XXXX. Are we going to get into the same mess that brought ruin to both XXXX XXXX and XXXX XXXX XXXX years ago? Why is XXXX offering products that they know are not in the best interests of consumers? Please ask XXXX why they think this is a good offer? Why are they not offering me a 30 year fixed mortgage refinance?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Is showing I owed for XXXX for {$1100.00} and its showing on my credit Also XXXX XXXX XXXX is showing for XXXX XXXX XXXX on my credit for {$1100.00} and I have file police reports and nothing has been done and it remains on my credit report.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment reported for XX/XX/2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, you are in violation of Sec. 604 Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : * * * * * * * ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. 



Upon receipt of my credit report from your agency on XX/XX/XXXX I noticed that my credit report has been accessed by 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
Product: Debt collection

I was checking my credit report, noticed a collection account, an account that I've never heard of. 

Nelson Cruz Associates XXXX XXXX XXXX in the amount of {$640.00} opened on XX/XX/2021 That's impossible! I DID NOT OPEN ANY SUCH ACCOUNT! The company has extremely limited contact information, no address nor phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy.

In accordance with the fair credit reporting act convergent account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy.

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On XXXX Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on Transunion it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on XXXX it is notreporting a closed date or a last activity date. On XXXX and XXXX there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on Transunion, XXXX, and XXXX. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true information.
Product: Credit reporting or other personal consumer reports

I was an authorized user but had no card or access to credit. Primary account holder has passed away and had debt remaining obviously.
Product: Credit card or prepaid card

Your pre-prepared catagorization of complaints doesn't well fit my complaint, which I will express below by ( 1 ) & ( 2 ) expressing absolute facts about consumer credit, then ( 3 ) asking what should be rhetorical question and provide what I think is an reasonable and appropriate answer. 

( 1 ) Canceling a credit card damages a person 's credit rating. This is an absolutely accurate statement, although certanly not an intuitive or obviously logical fact.

( 2 ) A credit card user agreement is imposed as terms by a credit issuing company for the customer to voluntarily accept. This is also an accurate and factual statement.

( 3 ) Do you think it is appropriate, in good faith, or even legal for a user agreement to essentially state that credit extending company reserves the right to tangibly damage a card holder 's credit for any other reason than non-payment? Such a condition likely fails a reasonable consideration of appropriate, good faith, or legal activity. 

Discover 's user agreement doesn't say outright that they reserve the right to damage the customer 's credit rating, but that is the factual and inevitable impact of their agreement stating a card will be canceled if it isn't used often as often as they want. Said a different way, their " agreement '' essentially hides the authority for them to damage their customer by canceling their credit card for reasons other than non-payment. 

My two points are very simple. ( 1 ) Discover 's user agreement literally allows them to damage a customer for reasons other than non-payment, something no customer would likely agree to, so Discover disguises the deliberate intent to harm and the customer 's so-called permission to allow Discover to cause harm through accepting the user agreement. 

( 2 ) It is predatory, not in good faith, and hopefully illegal to intentionally craft a user agreement knowing that hidden implications could be used to tangibly harm the other party, and to not very clearly and up-front expose and express such threats. 

There is a difference between the cost of doing business and harming someone. Choosing to not use an available credit card may represent to the credit card company a temporary small cost of doing business, but NO certain harm to anyone. However, canceling a credit card causes CERTAIN harm to card holder 's credit rating. Further, Discover considers that supposedly sending a routine, non-accountable postal mail letter notification to use or lose my card ( a letter that I never knowingly received ), represents that I intentionally allowed them to cancel my card and hurt my credit rating by not using my card. 

In summary, these are the facts : I was a good customer, paid my balances on time, but my credit card was canceled without my knowledge and my consumer credit was harmed because I chose to use credit priviledges infrequently. Credit regulations and simple contract law should never allow contracts that give one party the ability to damage the other without reasonable due cause, and simply electing to use credit infrequently should never qualify as due cause.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate.

The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes