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

XXXX XXXX XXXX illegally repossessed my XXXX XXXX XXXX that I was current on with payments computer error. The tow company they hired destroyed and totaled out my beloved car which had a new motor replacement for XXXX just before illegal repo and destruction of car. XXXX agreed of this grave mistake and sent me my title and it was agreed upon with XXXX XXXX that my credit would reflect paid off in good standings, which XXXX has been negatively affecting my credit because of the inaccuracy of 90 days late and XXXX balance. XXXX has done this maliciously because, I call weekly to have removed, I disputed multiple times with all three credit bureaus to not have any form of resolution. I am intending to use my consumer protection laws and seek restitution from credit bureaus and also XXXX in lieu of XXXX per each infraction. 15 USC 1681n is the code. I anticipate quick resolution and if any other information is required please feel free to contact. Thank you, XXXX XXXX this has went past 60 days for official response from XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

Columbia debt recovery LLC dba Genesis at XXXX XXXX XXXX, XXXX WA XXXX unlawfully reported to all credit bureaus agencies alleged debt as they claim for apartment complex in XXXX CO my previous residential place of living. Company listed above never notified me properly of what kind of debt were they trying to collect, suddenly after nearly 6 years for the first time I was notified from multiple federal agencies of collections placed on my credit as derogatory debt and that Columbia debt recovery LLC Genesis sold my information to third parties including dark web sites where my personal information are stored including social security number etc. I received one email from above listed company after they illegally already reported alleged debt to credit bureaus, I immediately replied and explained of what took place and that alleged debt is fraud. There was no response, in heated phone conversation service representative was injecting false claims without any legal factual evidence. He claimed debt was for unpaid rent which is not true because the XXXX XXXX XXXX in XXXX CO managed by XXXX breached the contract by sending 30 days move out notices and demand of move out notices meaning nobody cant continue residency there, owners and its managers broke the lease contracts not me, XXXX XXXX property manager sent move out notice to my door in XXXX, management by XXXX were engaging in deceptive practices and breaching Colorado warrant of Habitability Act. Apartment building was unfit for livable conditions and it was shut down by Federal Court order and its still shut down to this day. Owners knew even before that property was not fit for livable use, there was multiple lawsuits filed against them including criminal negligence for violating several federal and state laws. My unit was set up for automatic payments and the grand complex management unlawfully and fraudulently charged my bank account by withdrawing money without my knowledge or consent especially for the months I didnt reside on that property, therefore I had to escalate the case with local authorities and bank investigators investigated the case and concluded that management stole my money and they committed fraud. The grand apartments and its owners including management breached the legal contract not me they requested to move out and sent legal documents and demands to move out within 30 days and unlawfully continued to charge people for rent where we didnt live anymore, thats why they were sued. Columbia debt recovery Genesis violated FDCPA 15 U.S. C. 1692 ( j ) ( d ), therefore if immediately such fraudulent account is not removed from all credit bureaus I will immediately proceed with legal action against Columbia debt recovery LLC Genesis at XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

My school recently closed due to misconduct, and basically false advertising, Unfortunately I completed my degree in 2010 but with no help from career services and a bunch of empty promises I am still unable to find a career in my field that pays more than XXXX an hour. I believe I was a victim in their practices especially when they started a XXXX degree program ( that was not up to par ). I was one of the first to be in the program, instructors were not prepared or not given the right tools to teach. We were promised crime scene investigations etc. what we got was reading a textbook and researching case law on google. It is an experience I wish I never had and now that they are closed what should I do?
Product: Credit reporting or other personal consumer reports

I disputed this account with Transunion on XX/XX/XXXX stating that the last payment date is inaccurate. I provided proof by sending a copy of my credit report from all three bureaus. Transunion is reporting last payment date XX/XX/XXXX, XXXX is reporting last payment date XX/XX/XXXX and XXXX is reporting last payment date XX/XX/XXXX, it should be the same throughout the bureaus. Transunion stated it's accurate, and they will not remove this account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account NumberXXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

The Yorkshire Acquisition Group ( XXXX ) called my in laws looking for me and told them I was in big trouble and would be going to court, the same person called me anonymously and left me a voicemail threatening legal action. When I called, they told me I owed XXXX XXXX {$9800.00} and if I did n't pay today, they 'd be issuing a summons to appear. I 've never had an account with XXXX XXXX, none of my debt has ever been with XXXX XXXX, and I currently am paying on all accounts that I owe. This kind of shameful practice is disruptive & unfair. People should work for what they want, not scam hard working people.
Product: Credit card

XX/XX/2024 amount XXXX, XXXX. XXXX returned then used again to transfer money to account not mine for XXXX, XXXX and then XXXX. Still no return money or replacement card. XXXX American express serve. I have called XXXX several times and I get the run around from people with XXXX accents who do not understand me and sometimes I do not understand them. Emailed several times got answer back once now no answers to emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason for my dispute due to bad information furnished to my account that here are some of the account I never had any business or contracts for business with the following companies. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX under I expect this collection account to be removed from my credit report. the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) requires by federal law to be verified. So far I never received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with Equifax. Disputed it and got a response back that I needed to have the company call Equifax and remove it. Called XXXX and XXXX and they still can not find anything to use to show Equifax to remove. I am being told they need proof for Equifax and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XXXX/XXXX/XXXX. I started this on XXXX/XXXX/XXXX to have it removed today is XXXX/XXXX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at Equifax and will be sending my complaint to corporate.
Product: Credit reporting or other personal consumer reports

I am writing to file ANOTHER formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. I have made multiple attempts dating back to XXXX of 2023 by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.
Product: Credit reporting or other personal consumer reports

I provided the reasons for disputing the information. I have enclosed it again Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. the account that is fraud needs to be removed and blocked XXXX
Product: Checking or savings account

I am writing to express my deep dissatisfaction and frustration regarding a recent issue with my account. Specifically, I am concerned about how the Truist Bank corporate system has delayed addressing a transaction that exceeded the negative buffer protection, a feature designed to safeguard my account from overdrafts and financial stress. 

On XX/XX/2024. I initiated a transaction on my account which, unbeknownst to me at the time, exceeded the predetermined negative buffer limit put in place by the banking system. While I understand that occasional discrepancies can occur, the gravity of this situation is compounded by the systems failure to promptly address the issue, leaving me in a precarious financial position. 

Despite relying on the supposed safety net provided by the negative buffer protection, I am dismayed by the lack of timely intervention from Truist Banks corporate system. This delay has not only caused undue stress and inconvenience but has also eroded my confidence in the reliability and effectiveness of your banking services. 

As a loyal customer, I expect Truist Bank to uphold its commitment to providing secure and efficient financial solutions. However, the failure to promptly address this issue has undermined that expectation and has left me questioning the integrity of your systems and protocols. 

I urge you to thoroughly investigate this matter and take immediate steps to rectify the situation. Additionally, I request transparency regarding the cause of the delay and assurance that measures will be implemented to prevent similar occurrences in the future. I appreciate your prompt attention to this urgent issue and look forward to a swift resolution. 

Thank you for your understanding and cooperation. 

Sincerely,
Product: Debt or credit management

I signed up with the company on XXXX occasions in XXXX or XXXX and again around XXXX or XXXX I still never received any type of results but I was yet charged. Every time I spoke with some one they would keep advising it takes time and time never came on their end
Product: Student loan

I have XXXX separate student loans with Sallie Mae. Each time I reach out to Sallie Mae, the agents tell me a different option than the previous agent told me when we made arrangements before. 

Throughout my XXXX years of college, I paid interest on XXXXXXXX XXXX the loans. I graduated with a degree in XX/XX/2020 at the height of the pandemic. Unable to find work, I called Sallie Mae to make arrangements for a lesser payment when the loan payments were to commence XXXX months after graduation. 

In XX/XX/2020, I was granted and forbearance and told that when it ended I could request another. When that ended, I was forced to pay nearly {$800.00} a month, but was told that after that, I would have other options available to lower my payments over a longer period of time. That GRP plan recently ended and no I'm told that I must pay {$1000.00} a month, even though I can not afford it, because I only make a fluctuating approx. {$1700.00} a month with expenses. 

Sally Mae is offering ZERO options for young people building a career with limited income to afford student loans and survive, even though I have shown ability to pay a lesser amount. Each time I call they raise the amount of payment and are charging nearly 13 % interest rate. 

It is criminal to not have any options for the customers who genuinely try to pay. Other student loan companies offer a variety of repayment programs, even extending the repayment timeframe. Sallie Mae offers ZERO options which is wholly unfair to consumers dealing with a pandemic, inflation, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( Equifax, XXXX, XXXX, XXXX ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( Myself/XXXX XXXX ) had concluded, the changes were being done from the four credit bureaus that I previously listed. For instance, attached is a screenshot from our XXXX  XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the XXXX account is only showing the current payments. These are also radical differences between the other bureaus as well. And for the XXXX, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to Equifax, but has gone up 1 point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not changed. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.
Product: Debt collection

Their sales rep falsely sold me a phone claiming they built a new tower in my area that had service. When I received my phone, not only was it the wrong phone but it didn't get service. A new rep of theirs verified there was no tower and that it was a lie. They proceeded to send me the correct phone to try and see if it worked better and told me to activate the one they sent to use until the new one arrived.

I couldn't use it at my residence and had to drive out of the house to make or receive a call. The new phone arrived late and didn't have service either so I sent both back and was told I wouldn't be charged for the phone or the service since it didn't work properly. 

Couple months later I get a bill and try to resolve with their management who claimed the debt was valid and pressed me for the payment. It went as far as the XXXX  and their corporate office disputing it with me. This is a major company XXXX XXXX XXXX putting me through all this over {$100.00} for a phone I returned after they lied to me and caused me to give up XXXX which I quickly went back to. 

Not to mention, I gave them my trade in which was being offered {$800.00} for off any phone with all the major carriers at that time due to the chip shortage which they kept and didn't return. 

I fought this and won on every credit bureau but they keep selling the debt to another agency and it keeps coming back on my credit report which is hurting me while I'm trying to buy a car and a house.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Experian [ XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Closed Accounts Request for Removal Dear Experian, Dispute Department, I am writing to formally dispute the presence of three closed accounts on my credit report that are inaccurately affecting my credit profile. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been closed, yet they remain on my credit report in a manner that is misleading and causing unnecessary harm to my creditworthiness. Under 15 U.S. Code 1681o, I have the right to seek damages for negligent non-compliance with the Fair Credit Reporting Act ( FCRA ), and I believe your reporting of these accounts is in violation of my rights. 

I formally request that you investigate and remove these closed accounts from my credit report immediately. Failure to properly investigate and correct this issue may result in further legal action, including claims for actual damages, attorneys fees, and any other remedies available under federal law.

Please provide written confirmation within 30 days of this letter detailing the actions taken to resolve this dispute. I have attached a copy of my credit report highlighting the disputed accounts for reference. 

I appreciate your prompt attention to this matter and look forward to your timely response. 

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

On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating The United States Bankruptcy Court does not report any information to the credit bureaus. So if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.