23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX I recently noticed you are attempting to collect the listed alleged debt. 
Please be advised that I hear by dispute the validity of this alleged dept listed below in its entirety. 
I further, I request verification of the alleged debt, specifically, a copy of the ORGINAL PURCHASE AGREEMENT. Said agreement must with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. 
Amount {$7700.00} I am requesting immediate deletion of all prior reporting made to any reporting agencies. 
You must Cease Collections efforts until the alleged debt is validated. You must show proof that you legally own this alleged debt and it accurate and complete. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to send me responses in the mail after Ive disputed items with them. I have called them in XXXX spoke to a manager and requested mailed responses only yet I continue to get an email notification because I use to have an electronic account with them. I sent letters certified in XXXX and still never got anything in the mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Chime those places have accounts in my name and nothing has been done about it my credit score has went down a whole bunch behind this.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.
Product: Credit reporting or other personal consumer reports

CFPB : PLEASE SEND THIS COMPLAINT TO THE US DEPARTMENT OF EDUCATION. THE COMPANY INVOLVED, NELNET, A LOAN SERVICER FOR THE DEPARTMENT, IS THE PROBLEM. THEY HAVE THUS FAR REFUSED TO RECOGNIZE THEIR ERRORS AND I SEE NO HOPE IN CORRECTION. I WOULD LIKE THE DEPT OF EDUCATION ITSELF AND ITS LOAN REVIEWERS TO MAKE A DECISION ON RESOLUTION.

Problem : Nelnet is reporting my account as 90-120 days delinquent to the credit bureaus even as I pay as required under the terms of a recent loan recasting that it had itself calculated. 

XX/XX/XXXX Nelnet recasts my loan, including outstanding principal of XXXX, interest due of {$690.00}, fees due of {$47.00} at an interest rate of 4.25 % over a term of 228 months with a graduated payment schedule. The new payment, effective XX/XX/XXXX, is {$290.00}. See Attachment 1 for Loan Recasting terms and calculations. 

XX/XX/XXXX Payment made {$400.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Auto debit fails/payment is not made XX/XX/XXXX Loan is 24 days delinquent XX/XX/XXXX Nelnet reports loan as 90 days delinquent with delinquent interest to XXXX, XXXX, and XXXX XX/XX/XXXX Payment made {$290.00} - this is the XX/XX/XXXX payment XX/XX/XXXX Payment made {$1100.00} - this is the XX/XX/XXXX payment with extra for principal reduction XX/XX/XXXX Nelnet continues to report loan as 90-120 days delinquent with delinquent interest to XXXX, XXXX, and XXXX XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Nelnet continues to report loan as 90-120 days delinquent with delinquent interest to XXXX, XXXX, and XXXX See Attachment 2 for payment history . 

Throughout XXXX - XX/XX/XXXX, I have emailed, called, contacted Nelnet repeatedly. They have repeatedly refused to review and correct their erroneous and destructive credit reporting. My credit score has gone down by XXXX points because of all this, existing credit lines have been restricted if not closed altogether, and higher interest rates applied to existing credit card accounts.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number XXXX in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the late payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date : XX/XX/2023 XXXX  Date : XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section..
Product: Debt collection

I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the XXXX XXXX XXXX. 

REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. 

Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. 

From XXXX to XXXX I received no notices that I had a debt. 

In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. 

Debt collectors pay only a fraction of the charged off debt. 
Debt collectors to the best of my knowledge can not continue to charge interest on a debt. 
This debt is over 11 years old. 

When I contacted them they THREATENED : they will put a lien on my social security number. 
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. 

The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW 110234. Which is only applicable in the following categories. 

anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. 

However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XXXX XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. 

This debt by their own admission is no longer with XXXX but is a third party debt collector. See attached screenshot.
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 XXXXXXXX XXXX XXXX XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And According to the fair credit reporting act 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 who the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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 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 modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they suppose to not furnish any information relating to a consumer to any consumer reporting agency if the personknows or has reasonable cause to believe that the accounts inaccurate.
Product: Credit reporting or other personal consumer reports

Last month, on XX/XX/XXXX, I purchased a XXXX vehicle. They ran my credit twice on the same day, appearing twice on my credit report : XXXX from XXXX XXXX, the local dealership, and the second from American Honda Finance. I tried contacting XXXX, but they could not help me, so they instructed me to contact XXXX. 

A similar thing happened last XXXX when I was looking into purchasing a home, and my credit was run twice by different Mortgage companies. This situation has significantly affected my XXXX XXXX since it now appears that I have had XXXX hard inquiries in the last XXXX years instead of the XXXX times that really happened. 

I have copies of my credit report as of today, XX/XX/XXXX, if needed. 

I appreciate your help.
Product: Credit card or prepaid card

On XX/XX/2020, four fraudulent charges were made against my Apple Card by Goldman Sachs : {$540.00}, {$420.00}, {$620.00}, and {$1700.00}. I immediately disputed the charges in my XXXX  XXXX. On XX/XX/2020, Apple/Goldman issued four provisional balance adjustments in the disputed amounts. On XX/XX/2020, one of the vendors issues a refund in the amount of {$1700.00}. 

On XX/XX/2020, I noticed that all provisional balance adjustments had been reversed. 

Here is a description of the events in question : XX/XX/2020 XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XX/XX/2020 Dispute Resolved in my favor XX/XX/2020 XXXX  XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XX/XX/2020 Dispute Resolved in my favor XX/XX/2020 XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2020 Provisional Credit Applied XX/XX/2020 Provisional Credit Reversed XXXX Dispute Resolved in my favor Based on what I witnessed I contacted Apple/Goldman on the following dates/times : XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone XXXX 52 Minutes Spoke to XXXX and XXXX XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Phone XXXX 14 Minutes XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Phone XXXX 15 Minutes XX/XX/2020 XXXX XXXX. Text XX/XX/2020 XXXX XXXX Phone XXXX 42 Minutes Spoke to XXXX, Fraud Specialist XX/XX/2020 XXXX XXXX Text XX/XX/2020 XXXX XXXX  Phone Call from XXXX 15 Minutes, Spoke to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX XX/XX/2020 XXXX XXXX  Talked to XXXX then Transferred to XXXX XX/XX/2020 XXXX XXXX Talked to XXXX, XXXX, XXXX As of now, they have admitted multiple times that a mistake was made and cant explain why my account has not been duly credited. What is really shocking is that Apple and Goldman are not able to connect me to a manager with the authority to fix my problem and it is clear that their " escalations '' go nowhere.
Product: Mortgage

Re : Complaint against Bank of America/XXXX XXXX XXXX over their administration of our home mortgageOur mortgage loan is held by Bank of America and is serviced by XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, CO. These financial institutions have repeatedly violated consumer and banking statutes in dealing with us for the following reasons : I. Back in XXXX, XXXX, a non-profit organization, did broker our loan modification with Bank of America ( BoA ) when BoA was also our loan 's servicer. We did strictly honor the modification agreement, but in XXXX XXXX dishonored it for no reason without advanced notice and compelled us to pay {$24000.00} in a lump sum or else we would face foreclosure. In the summer of XXXX, my husband withdrew funds from his IRA to pay the {$24000.00} alleged arrears in order to stop the threatened foreclosure and improve our credit so that we could seek a loan modification or refinance with another lender. We incurred a huge tax bill partly due to the early withdrawal from the retirement account. 
XXXX. Separately, we believe BoA acted in bad faith when it started processing our loan modification request back in XXXX when it was still our loan servicer. But midway through the review process, it transferred our loan to XXXX and XXXX suddenly stopped the modification process without citing any reason at all. 
XXXX. On almost all occasions we mail our loan payments by certified mail to the attention of XXXX XXXX, the CEO of XXXX in XXXX XXXX, CO, however, XXXX fails to timely docket our payments until the grace period lapses and we are charged interest, which again adversely affects my credit score. Once we even sought to fix this situation by sending the payment directly the XXXX XXXX in XXXX, GA and that payment was never posted and the check was never returned to us. We sent a XXXX payment by certified mail which was received, but it was late and we were again subjected to a {$72.00} late charge in XXXX. 
XXXX. On numerous occasions we have requested the history of all our loan payments from the inception of the loan, but BoA/XXXX have never sent it to us and that is a violation of the Truth-In-Lending Act because we are entitled to such statements by right as consumers/borrowers. 
Despite all this, our account is up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where does it state that late payments should be legally reported on consumers Credit report in the Consumer laws.

Do you have proof in the law that late payments are legal and lawful on consumers credit report If its an open ended credit, Finance Charge is the sum of all charges Was the orinal contract fair, Clear, Conspiciouse, Proveded full disclosures of the Finance Charge, Holder in Due Course 6000 rule.

Wet Signiture Notarized Legal in the first place
Product: Checking or savings account

In XXXX Capital One held my money because they suspected I was doing fraud depositing a 3rd party check. The truth is that all these checks were deposited with the consent of the other persons, Capital One verified the identity of these people and checked that everything was fine. The Fraud department representative told me that my money would go back to my company but it never was deposited. On XX/XX/XXXX, Capital One made an electronic withdrawal from my checking and savings account for a total of {$10000.00}. That money includes all my deposits and XXXX  transactions. I called several times asking about my money and nobody could tell me where my money went.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance : -, XXXX XXXX XXXX : {$3600.00}, XXXX XXXX XXXX : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except Bank of America. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several errors that could negatively impact my credit profile. The report lists several incorrect addresses such as XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correct address should be XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, my employer is not listed, but it should be XXXX XXXX XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit report information be accurate and up-to-date. I request that these incorrect details be removed and replaced with my correct information immediately to avoid further damage to my credit. Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

In XX/XX/XXXX I sent Ally Financial Irs tax forms that i had submitted to the Internal Revenue Service. Per IRS rules I had to sent the copies to Ally Financials ' tax department. After sending the Tax forms, Ally Financial sent me a letter stating that those tax forms can not be used to pay-off the remainder of the loan. I never sent the forms as a form payment, the forms were sent as to be in compliance with the Irs rules, copies were sent to Ally Financial, and copies were sent to the Irs department in the state where Ally headquarters are located in XXXX Michigan. Ally Financial sent me a letter stating that they have placed a restriction on the account and will not accept payments unless they are made in certified funds with a cashier 's check, money order, or payment through XXXX XXXX or XXXX XXXX After you have made XXXX consecutive payments in certified funds, you can call us at the toll-free number XXXX ( XXXX ) to have the restriction removed. I have tried unlocking this account since XX/XX/XXXX, and Ally XXXX Department refuses to unlock the account in order to pay via XXXX portal or via telephone. It has caused hardship for my wife and I, trying to make sure we go to a store that has money gram or XXXX XXXX, this was not part of the original contract nor was this disclosed to me, i have called multiple times to have them unlock the account or take my payment over the phone and they refuse every time, they put me on hold for long periods and give me the run around stating supervisors are unavailable and that those restrictions on account can not be lifted even by supervisors. When i ask to be transferred to anyone that has access to help me, they tell me that unfortunately they don't have a license to help people in california, then i get put on hold and retransferred to another operator and the same situation keeps happening, enough is enough i need an answer from someone within the company that should be held accountable for violating my consumer rights to not be in fear of car repossession.