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

Dear CFPB, I am writing to file a formal complaint against XXXX regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ). I have sent multiple letters to XXXX pertaining to inaccuracies on my credit report, and I believe they have failed to comply with their obligations under the following sections of U.S. Code : 15 USC 1681e ( b ) This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. 
15 USC 1681s-2 This section deals with the responsibilities of furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681i ( 5 ) This section mandates that if a consumer report is provided to a person, the agency must complete its investigation within a reasonable time.

15 USC 1681c ( c ) This section addresses the responsibilities regarding the reporting of certain types of information. 

I have not received a satisfactory response and have learned of the recent lawsuit against XXXX, which highlights their failure to adequately investigate disputes and properly handle errors in consumer reports. This raises serious concerns about their compliance with federal regulations and their impact on consumers ' access to credit, employment, and housing. Closed accounts, hard inquiries, and collections is being a severe detriment in my life I made many disputes since XX/XX/year> and no results I sent letters and everything and no response. 
I request that the CFPB investigate my complaint and take appropriate action against XXXX for their failure to comply with federal law. It is vital that they are held accountable for their actions and that consumers receive the accuracy and fairness they are entitled to under the law. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the status of my complaint.
Product: Student loan

I took out XXXX small student loans from National Collegiate Trust/ American Education Services XXXX I have paid these student loans off. I have letters at my home from NCT that CONFIRM that I have paid these student loans off. I paid them off around 5 years ago. For a few years afterwords, I would receive collection calls from NCT and then from private collection agencies, trying to collect the student loan debt, that I paid off. I would fax the paperwork and I would n't hear from the collection company again. Until probably 3 months later, and it would be a different collection agency trying yet again to collect debt, so they said. Eventually after a few years of this, NCT sent me a letter in the mail saying they were taking ME TO COURT to sue me for the negative balance. I TOLD THEM I HAD LETTERS that said I paid it off. The court drug out for several months, where it kept getting pushed back, eventually at a hearing where I showed the judge that I IN FACT had letters from NCT saying I PAID OFF ALL DEBT OWED, they finally dropped the case against me. TO THIS DAY XXXX It is STILL on my credit report as NEGATIVE debt!!!!! I am trying to purchase a new vehicle, and it does adversely affect my percentage rate I can get on financing, because of the XXXX negative NCT accounts on my credit report. I want these XXXX negative reports to be changed to PAID. AS IT SHOULD BE!!!!!! Because I PAID THEM OFF. They most certainly are not NEGATIVE. And I am really TIRED of dealing with all of this. National Collegiate Trust has been nothing but trouble for me. Thank you.
Product: Debt collection

under the doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i may presume that no proof of the alleged debt. Nor therefore any such debt, in fact exsits.
Product: Debt collection

LINEBARGER GOGGAN BLAIR & SAMSON, LLP is civilly liable to me for willful noncompliance pursuant to 15 USC 1692k and 15 USC 1681n for failure to comply with this sub chapter. I previously made a complaint with this agency along with the affidavit that was sent via USPS certified mail and was responded to with a frivolous response on the CFPB website without an affidavit rebutted point for point under penalty of perjury. I have since then made an additional complaint to the New Jersey Attorney Generals Office and have been referred back to the CFPB for consumer action against LINEBARGER GOGGAN BLAIR & SAMSON, LLP
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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX - XXXX - {$10000.00} XXXXXXXX XXXX XXXX  XXXX - {$4300.00} XXXX XXXX - XXXX - {$9800.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Debt collection

I have received 40 call attempts in a XXXX hour period from XXXX XXXX on XX/XX/XXXX and 32 call attempts on XX/XX/XXXX.
Product: Debt collection

On XX/XX/year>, at approximately XXXX PM, a process server hired by Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX arrived at my home to serve legal documents related to a debt collection lawsuit filed by XXXX XXXX for the amount of {$2900.00}. I was not home at the time, but my wife answered the door. 

During the interaction, the process server : 1. Refused to provide the documents to my wife despite her request, as I was unavailable.

2. Did not explain why he would not hand over the documents.

3. Remained outside the door for a moment, called my wife an " XXXX '' loudly, and then threw the documents toward the front door before leaving. 

This behavior was unprofessional, unnecessary, and disrespectful. The incident was captured on my homes Nest camera, and I have saved the recording. I am providing the video evidence below under the file attachment section. The actions of the process server reflect poorly on Portfolio Recovery Associates , LLC & XXXX XXXX XXXX. It shows their commitment to professional standards. I have reported this incident to the XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX I am requesting corrective action, including an internal investigation into the process servers behavior, assurances that such incidents will not occur in the future, and a formal apology.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors and mistakes that have been reported on my credit report by your agency. I have obtained a copy of my credit report from your agency and after careful review, I have identified the following discrepancies : -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have been in contact with Experian on several occasions about an entry that I noticed that was listed on my credit file that was not mine, which was reported by a company by the name of XXXX, Account number XXXX. I have also contacted XXXX XXXX requesting proof baring my signature and a copy of a contractual agreement that I had with them to proof that this account was mine. I contacted both entities through the USPS certified return receipt, and I have proof that a party representing their agency signed for the letter that I sent to them. To this day, both XXXX XXXX and Experian have yet to provide me valid proof as required and mandated by the FDCRA, and are both in violation of the FDCRA. Both Experian and XXXX XXXX are reporting fraudulent information on my credit file attached to my social security number, which will hinder me from getting credit approvals from various financial sources, in the future, if this fraudulent information is left on my credit file. I am demanding that the fraudulent entry of XXXX be removed immediately from my credit file, seeing that both entities have surpassed it 's 30 day allowable timely response deadline as allowed by the FDCRA, and can not supply any valid proof that this account is mine, because I have never had an account with XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the following creditors for failing to provide a Form 1099-C ( Cancellation of Debt ) within the legally required timeframe after my request. Additionally, because these creditors have failed to comply with IRS regulations, I am formally requesting the removal of these accounts from my credit report due to noncompliance and failure to validate or properly report the debt cancellation. 

1. Capital One ( Account XXXX XXXX - {$3000.00} ) Creditor Name : Capital One Account Number : XXXX Original Balance : {$3000.00} Charge-off Amount : {$3000.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXXXXXX  Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days 2. Capital One ( Account XXXX XXXX  - {$1800.00} ) Creditor Name : Capital One Account Number : XXXX Original Balance : {$1800.00} Charge-off Amount : {$1800.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXXXXXX  Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days Capital one also sent a letter confirming that they sold the debit to XXXX XXXX XXXX, XXXX and continued not doxument it accurately ony credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry listed on my credit report. I did not authorize this inquiry, and I believe it is inaccurate. I have no association with the listed creditor and have not initiated any financial transactions that would warrant such an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection that was on my credit report with Trans Union because the collection should never been on my credit report because the collection was brought into court and case was dismissed by our local court and two it was during the Pandemic. Trans Union was notified of the collection. After their so called investigation, they came back and said, that it was valid debt. They were given the case number and the court information and they still came back saying that its a valid debt. The amount is for {$12000.00} with XXXX XXXX XXXX. How can something be a valid debt that court dismissed or terminated the plaintiff case. Someone did not their job in their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report I am interested in disputing all incorrect information on my credit with transunion. all data is supposed to be 100 % accurate an is hindering my file for approvals. please update all information requested.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX Account # XXXX open XX/XX/scrub>XX/XX/2021 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation due to this negative information reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX added money to a fixed mortgage credit score dropped because of it! paymeants were XXXX was paying XXXX a month couldnt tell me were my money is that I over paid for year and a half to be ahead then in XX/XX/XXXX this year closed my account a 20 yr mortgage with no warning Im in middle of a loan that is on hold cause of virus going and was alerted that my score dropped 40points again because of same people which u cant get a hold of them sent me a statement for next month but nothing on being sold again had to reach to find who took over and now they are missed up to cause they dont have life insurance that I have paid for for 20 yrs also with the last year they have done but cost me money and hurt me financially for there mistakes!! the amount of loan the loan being closed adding money to the loan reunion my credit and takin my money on life insurance
Product: Consumer Loan

On XXXX XXXX, 2015 Volkswagen sold me a XXXX Volkswagen Jetta " Clean Diesel '' for {$24000.00}. This vehicle was sold using fraudulent inducement by Volkswagen - the car contained a emissions testing defeat device and violates Unites States and California laws for vehicle emissions. Volkswagen has admitted to cheating on emissions tests and intentionally installing the defeat device. 
My car purchase was financed by Volkswagen Credit, also known as " VW Credit '', which is a wholly owned subsidiary of Volkswagen Group of America. The vehicle sales contract was based on fraudulent inducement and the sales contract should be rescinded. I have sought formal rescission of the contract through legal means. I have contacted VW credit and requested that loan payments for the vehicle be suspended until resolution regarding the sales contract is obtained. The VW Credit representative I spoke to denied any request for suspension of loan payments and threatened to report me to the credit bureaus for any late or missed payments. VW credit offered no other means of resolution despite holding a car loan contract based on fraudulent actions.
Product: Credit card or prepaid card

My line of credit with Upgrade Inc., comes with a Visa Credit Card. I used my Upgrade Visa credit card to purchase financial services from XXXX XXXX based in Florida. I paid XXXX XXXX a total of nearly $ XXXX to secure a private XXXX loan of $ XXXX. It was agreed that the loan would be issued by the end of XX/XX/2022, certainly not later than the first week of XX/XX/2022. However, the loan was never issued as agreed therefore, I requested a chargeback against XXXX XXXX because they did not perform the service I paid for! 

All of my chargebacks against the fraudulent merchant XXXX XXXX were accepted by my credit issuers, i.e. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. Many of the aforementioned requested supporting documentation for my chargeback which I promptly submitted. However, despite my offering to provide supporting documentation XXXX never requested any supporting documentation and although they initially provided me a provisional credit they are now saying that they have declined my chargeback and I am now required to pay for services I did not receive. 

XXXX made the following statement to me via email ; " Unfortunately, we had to decline the dispute for the following reason ( XXXX ) : We can not override the merchant 's policy and have no further recourse to pursue this matter with the merchant. 


Here is what you need to know : If a provisional credit was issued, it will be reversed and you will be responsible for payment of the transaction ( s ) and related accrued interest according to your standard payment schedule. '' Why is it that only XXXX, which did not request to see my supporting documentation substantiating the fraud on the part of the merchant, claims to be unable to override the merchant 's policy? 

This is a gross injustice!
Product: Credit card or prepaid card

Fraudulent charges were made on my BarclayCard UberCard on XX/XX/XXXX and XX/XX/XXXX totaling {$900.00}. I only use this card for a few things never more than {$20.00} a month, no notification or alert from the card was sent. On XX/XX/XXXX I noticed the high credit card bill and called and reported the fraudulent charges and canceled the card. On XX/XX/XXXX I received notification by mail that the fraud investigation was complete and that I was not responsible for the charges. On XX/XX/XXXX Barclays debited my savings account the full amount including the fraudulent charges on XX/XX/XXXX they issued a credit to my credit card. On XX/XX/XXXX I noticed the {$920.00} removed from my savings account. My online account had been disabled. After 3 hours of waiting on hold they gave 6 different reasons about not being able to verify my identity or my account and transferring me to other people to verify who would then drop the call. The entire system is designed to take my money and provided no mechanism to complain or have it returned. I did not and have would never voluntarily give Barclays open ended interest free {$900.00} loan. I have no interest in exchanging actual money for credit. They refuse to refund the money and have wasted hours and hours of my time with a system designed to do exactly that.
Product: Credit reporting or other personal consumer reports

My student loans are showing up on my credit report incorrectly. 

I took out TWO XXXX unsubsidized student loans. However, my credit report is showing FOUR unsubsidized XXXX student loans. 

The company I used is XXXX. 

This has caused my credit score to drop on Experian from XXXX to XXXX. 

The same thing has also showed up on my FICO report, however, it has not impacted my credit score substantially.

My two XXXX STUDENT LOANS are showing up twice, for a total of FOUR XXXX STUDENT LOANS and the balance I owe to XXXX HAS DOUBLED. 

I have absolutely no clue why this has happened or what I can do to fix the problem. 

Nonetheless, I am extremely disappointed and worried because I worked so hard to achieve an exceptionally high credit score, I never missed any payments and my two loans are currently in forbearance.

Please advise a solution that will repair my credit score and accurately reflect the amount of money that I have borrowed from XXXX. 

Thank you very much and have a wonderful day. 

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

Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company XXXX XXXXXXXX XXXX  would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXX. During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message XXXX days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have two mortgages. One with XXXX XXXXXXXX XXXX and XXXX with XXXX XXXX XXXX XXXX with balances of almost XXXX XXXX dollars. This is completely incorrect. I have one mortgage and because there are two showing up it has destroyed my credit score. My Fico score was at close to XXXX and is now showing on XXXX as XXXX and XXXX is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have one mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those items mentioned above. 
Here it is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have never paid my account late my mortgage payment is on auto pay. on XX/XX/XXXX i received a notice my account was reporting 30 days late on my Experian credit report. I contact XXXXXXXX XXXX and they responded that there was an increase in my mortgage by XXXX dollars due to escrow increasing. there was no reason for the increase and i recently changed my home owner insurance to decrease my escrow. As i understand it correctly they have been charging late payments and placing my account in an escrow account forcing me to pay interest on money they received due to the increase i spoke with the escalation department was informed they would investigate and to call on XX/XX/XXXX to have a resolution. i call the number provided XXXX and spoke with the escalation department. left two messages with XXXX ext XXXX as instructed and have not received a response or a correction on my mortgage statement or credit reporting. i demand this error be corrected immediately and credit me back any interest that was charged on my mortgage. i demand a breakdown on the reason my escrow has increase and my credit report updated to reflect never late. spoke this morning to escalation department and was denied a correction. I was given a email to resolve this issue and feel they are wasting my time. my next step will be legal actions. they are forcing me to pay money that is not due and increasing my obligation on analysts they claim is correct, without any type of breakdown or proof or consideration i paid every month on time