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

Please verify and validate debt : XXXX XXXX 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 trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement.Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXXXXXX2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges.3.Clear documentation establishing XXXX XXXX XXXX to collect this debt.4.Copy of The DEBT Purchase AgreementI am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. XXXX, XXXX, Transunion, XXXX, etc. Please cease all collection efforts until this allegeddebt is validated as accurate and complete.Thank you for your cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing ftc vioalations proven 
filed ftc also 
XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXXDisputeXXXX XXXXDispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I disputed the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 requested that XXXX and Equifax to removing the following accounts from my consumer report as they have violated 15 USC 1681 ( b ) by reporting the following accounts without permissible purpose. I am also requested XXXX and Equifax remove the following information from my consumer report within 15 days! Equifax has yet to respond to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, EXPERIAN AND XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Payday loan, title loan, or personal loan

I got a loan through XXXX XXXX XXXX on XXXX XXXX, 2017 to pay off my personal loan at Navy FLU. The payment was electronic. I take to NFCU on XX/XX/XXXX and they have n't received the payment. They said if it was sent by XX/XX/XXXX, then they should have received it. I verified my account information which was correct at XXXX XXXX XXXX. I talked to XXXX XXXX XXXX and they said wait until XX/XX/XXXX for payoff. On XX/XX/XXXX, I checked online and the loan had not been paid off. I call NFCU and verified my account which was correct information at XXXX XXXX XXXX. No payment received peer NFCU. I called XXXX XXXX XXXX  and they said NFCU rejected the payment. NFCU did n't tell they rejected the payment or why. All the account information was correct. This action by NFCU is going to cause me to make another payment. I have wait for a check from XXXX XXXX XXXX. Due to the amount, I believe NFCU will hold onto the check for at least 10 days before posting it. Again, the will increase the amount of interest. My loan should have been paid off two weeks ago. NFCU did n't tell me they rejected it. I was led on causing me to pay additional interest and out of pocket expenses.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Experian for Inaccurate Bankruptcy Reporting Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian for their continued failure to remove inaccurately reported bankruptcies from my credit report. Despite my prior complaint submitted to the CFPB regarding this issue, Experian has persisted in reporting erroneous bankruptcy information that I have repeatedly disputed.

Experian continues to claim that the reported bankruptcies has been verified, yet they fail to provide any substantive proof of verification, such as court records or documentation linking me to the alleged bankruptcy. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information. By failing to provide verification details or remove the inaccurate information, Experian is in direct violation of : 15 U.S.C. 1681e ( b ) Failing to maintain accurate consumer reports.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failing to correct or delete inaccurate or unverifiable information after a dispute.

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with FCRA, which entitles me to damages. 

As a result of this inaccurate reporting, I have been unfairly denied credit, which has caused financial and emotional distress. This ongoing failure to correct my report is unacceptable and severely impacts my ability to access financial opportunities. 

I am formally demanding that Experian immediately remove the inaccurately reported bankruptcies from my credit report and provide a detailed explanation of their verification process. Should this matter not be resolved promptly, I am prepared to escalate this issue further, including seeking legal remedies. 

I appreciate the CFPBs assistance in ensuring Experian adheres to its legal obligations under the FCRA. Please keep me informed of any developments regarding my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have tried to contact by mail/phone to CREDIT agents several times to delete inaccurate information on my consumer report. Equifax and XXXX are reporting income on my consumer report. I have sent out several letters of reinvestigation m. charge off need to be deleted immediately. I have call both CREDIT agents and send letters. Account XXXX XXXX XXXX ( XXXX ) need to be delete it according to IRS this is gross or ordinary income. I did not receive a 1099c from creditor. XXXX and Equifax reported inaccurate information on my consumer report. b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to FCRA section 623 is a violation that both credit agencies have been reported on my consumer report every month as a charger off. This Need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting, credit repair services, or other personal consumer reports

My compaint is against XXXX, TransUnion, and XXXX. They are all still reporting a derogatory tradeline under my consumer reports after the creditor agreed to delete the tradeline from my social security number. 

In addition to this, XXXX, TransUnion, and XXXX are reporting conflicting info on the alleged loan balance. 

XXXX and TransUnion are reporting an open negative tradeline from XXXX XXXX Bank with a {$18000.00} balance. XXXX is reporting an open negative tradeline from XXXX with a balance of {$19000.00}. 

The payment status is also inconsistent between these three credit bureaus. What is going on here???? I am again asking them to delete the tradeline they are reporting for this company. They should no longer be reporting something that even the creditor has requested them to delete. 

If XXXX, TransUnion, and XXXX fails to delete the tradeline, I will be seeking {$1000.00} per violation and they will have to show up to a venue local to me to defend themselves for violating the FCRA.
Product: Checking or savings account

Capital One Online Savings On XX/XX/19 a funds transfer in the amount of {$10000.00} was requested from Capital One to another bank account. On XX/XX/19, Capital One security department called me and left a message. I called back immediately and spoke with XXXX. She questioned if the external account was in our name. I confirmed it was and told her that I had already processed a prior transfer in the amount of {$20.00}. She said that the transaction would be cleared and processed that day. The money was not transferred as promised, my external account did not receive the money however my Capital One balance showed the money had left the account on XX/XX/19. Furthermore on XX/XX/19, my Capital One balance showed that the money had been returned to Capital One. I called XX/XX/19, and spoke with the security department at Capital One again. I questioned why I had not received my money and they could not provide a valid reason, only that they see that a reverse ACH was processed XX/XX/19. They would process it again which would delay the fund even further. I told them that I needed the money long ago and that it is unlawful to hold my funds without a valid reason. I requested to be transferred to a manager and was connected with XXXX ( Employee # XXXX ), Account Manager in the Customer National Direct Banking Department. She was not very contrite regarding the issue and also could not provide a valid explanation. I told her bottom line I would like my funds IMMEDIATELY. She said she could process a wire transfer for the balance and closed the account. I confirmed. However I was charged for the transfer and should not have been due to the mistake they had made with my initial transfer. I am reporting this because it needs to be on the record that Capital Ones banking business practices were at a minimum unethical in my experience. They withheld my funds without reason and I did not have access to my own funds due to their dishonesty. I refuse to do business with them in the future.
Product: Debt collection

BBVA Compass called my cell phone XXXX. They called me from XXXX. The man who called me threatened me saying he would " severely damage my credit '' and said I am " legally obligated '' ( used that exact phrase ) and that it would be illegal for me to not pay my debt. This is a deceptive and illegal debt collection practice. 

Keep in mind I am already in forbearance on this account because I have told them I have been affected by a natural disaster Covid-19 and they continued to try to collect the debt even after informing them I am still affected on this very phone call and then they proceeded with their legal threats.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
TransUnion has XXXX separate files for me under XXXX separate names. Each file has its own file number. I have tried numerous times to update my personal information. TransUnion has not updated my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my consumer credit report that do not belong to me. I have sent the required document per federal law to have them removed including the FTC report, ID, proof of residency, and a letter including the accounts that must be removed. Equifax has already received all of these documents. It has been more than 4 days. They still have not removed these accounts from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX XXXX {$5100.00} ; XXXX - XXXX   ; XXXX XXXX {$720.00} ;
Product: Credit reporting or other personal consumer reports

I noticed accounts reporting that I do not recognize when I recently examined my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my bankruptcy with an incorrect filing and discharge date. I have hired a service to remedy this and after three attempts and submission of court filings, Equifax still refuses to take action to correct the error, that they made. This is causing actual and qualitative damages. I am a small business owner, and this erroneous report is hindering my ability to secure lines of credit, among other issues. 

Actual filled : XX/XX/XXXX ( I have attached court filings to prove this date ). 

Equifax is reporting I filed on XX/XX/XXXX ( I have attached my credit report to show their error ). 

Equifax is not complying with consumer protection laws and I want this error reported and corrected.
Product: Vehicle loan or lease

I have a loan with PEOPLES FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and PEOPLES FIN with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2018, XX/XX/2018, XX/XX/2018 )
Product: Credit reporting or other personal consumer reports

There is showing that I was 30 days late on a payment but the account was paid off and closed in the same month
Product: Vehicle loan or lease

A late payment was reported on my credit report over a year ago around XXXXXXXX XXXX XXXX. I recently spoke with XXXX at Ally Financial who stated they agreed to remove the late payment but never provided me with an estimated date. I'm trying to start the process of buying my first home so I need this removed in order for me to be able to apply for a mortgage and get the best rates.
Product: Debt collection

I, XXXX XXXX, entered a consumer credit transaction with XXXX on XX/XX/XXXX. XXXX has failed to disclose the right of rescission which is a violation pursuant to 15 usc 1635. Because they willfully and knowingly withheld this information XXXX is criminally and civilly liable and owe me twice the finance charge pursuant to 15 usc 1611 and 15 usc 1611. Pursuant to 15 usc 1605 is finance charge which is the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance they made me purchase my own. XXXX has threatened to reposes my vehicle which is a violation of 15 usc 1692e ( 4 ) due to non payment and they have never validated the debt pursuant to 15 usc 1692g. I did send a debt validation letter to them on XX/XX/XXXX. Also on this day I mailed a cease and desist letter 15 usc 1692c, also I mailed and had notarized an affidavit of truth which was unrebutted. I still have been receiving calls and emails stating this is an attempt to collect a debt which is a violation pursuant to 15 usc 1692b ( 2 ) and 15 usc 1692c. Other ways XXXX has violated me are by harming my reputation by reporting negatively to the credit bureaus pursuant to 15 usc 1692d ( 1 ), by providing me with false and misleading information by showing balances in a positive amount 15 usc 1692e, by using symbols on envelopes mailed to me 15 usc 1692f ( 8 ), and in the contents of the envelope 15 usc 1692b ( 5 ), threatened and used obscene language 15 usc 1692d ( 2 ), and threatened to action that they can not legally take 15 usc 1692e ( 5 ). Pursuant to 15 usc 1692k I mailed an invoice for every violation on XX/XX/XXXX. I allowed XXXX days to respond and pay and they did not. On XX/XX/XXXX I mailed out a default and opportunity to cure, a new invoice with new charges and gave them XXXX  days to either settle or send me payment amount listed on the invoice or I will seek litigation for non payment of violations. XXXX stated they are not a debt collector. Pursuant to 15 usc 1692a ( 6 ) the term debt collector means any person who uses the mails in any business for the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
Product: Credit reporting

I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INQUIRY SHOWED ON MY CREDIT REPORT AND I DID NOT AUTHORIZE ANYONE TO PULL MY REPORT. MY REPORT HAVE A CREDIT FREEZE LOCK. SO I AMAZES ME HOW THEY COULD HAVE MAY AND INQUIRY OR GIVING ACCESS TO MY REPORT. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Bank account or service

I have been banking with US Bank since I XXXX from US Military in XXXX. I live overseas and informed them of this when I opened the Account there they said there was no problem with this. on XXXX XXXX XXXX I received a letter from them saying they were closing my account in 10 days from the date of XXXX XXXX XXXX this gave me 3 days to find a new bank and get my direct deposit tranfered almost impossible due to me living over seas no reason of why was given. I contacted them the person I talked to said there was nothing listed for my account to be closed. I have repeatedly requested information on why my account is being closed. I have never bounced a check or had overdrafts on my account. they will not give me an explanation on why except keep saying I live overseas. Since I opened the account with them knowing I was going to be living overseas I asked them for a copy of there policy stating that I can not live over seas and bank with them. they have not provided this policy to me as of this time. I am wondering if this is Legal for them to close my account on this sole reason and why they wo n't give me time to find a new bank and get everything transferred before they close my account.
Product: Checking or savings account

I previously had an account with Citibank. I had also previously filed a report with the CFPB and Citibank had responded and answered my question indirectly I asked them if Im eligible for a new account and I told them that I had identity theft in the past And they sent me a letter with feedback talking about. They will look into the identity theft claim because they think that my current account that was open was fraudulently open and that was not the case Im wanting a new account with Citibank.
Product: Student loan

I am making extra payments to my loans each month and the overpayment is being applied to interest instead of principle balance.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.