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

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number As you know it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

The following inquiries are not related to one of the allowable purposes, as I have reiterated from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these inquiries from my credit report immediately. 
Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

This loan was taken out in 2010 and I was a co-signer with my mother who 's XXXX old now. The Loan was for {$5000.00} and was paid leaving a balance of {$1800.00}. OneMain Financial is calling an amount of {$3900.00} that owed. This is false and needs to be corrected. This account is showing on my credit is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, Wells Fargo Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA, XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : Complaint Against National Credit System for FDCPA Violations Dear CFPB Representative, I am writing to formally file a complaint against National Credit System ( XXXX ), a third-party debt collection agency. The account details are as follows : Original Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$1000.00} ( allegedly past due as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX I have reason to believe that XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1. Failure to Provide Validation of the Debt ( Section 809 of the FDCPA ) I previously disputed this debt and requested verification. However, XXXX failed to provide adequate documentation proving that I owe this debt or that the amount being claimed is accurate. 
2. Continued Reporting of Inaccurate Information ( Section 807 of the FDCPA ) XXXX continues to report this account as a " collection account '' with a past-due balance, despite my clear indication that this debt is either invalid or already resolved. This reporting constitutes false and deceptive representation of the debt status. 
XXXX. Harassment or Abuse Provisions ( Section 806 of the FDCPA ) The ongoing reporting of inaccurate information and failure to resolve this dispute appears to be a tactic to coerce payment on an account that may not even be valid.
Product: Payday loan, title loan, or personal loan

In XX/XX/2022, I applied and was approved for a loan of {$1300.00} with SeedFi. {$650.00} came to me via XXXX and {$650.00} was supposed to set aside in a savings account. On XX/XX/XXXX at approximately XXXX am, I received an email from SeedFi stating my account would no longer be serviced by Seed Fi and that XXXX XXXX XXXX XXXX XXXX XXXX or XXXX would be taking over. After making my payments of {$60.00} every XXXX weeks for almost a year, I had a small balance left of {$140.00}. I paid that off on XX/XX/XXXX ( including the XXXX fee for the online ACH payment ). It is now time for me to collect or gain access to my savings totaling {$650.00} and XXXX is holding up the process. I have received several different responses to my inquires from XXXX, including my funds would be wired to the bank account in which my last payment, that I would be mailed a check within 10 days, now I'm being told it can take up to 30 days to get money owed to me. I don't know what to believe when dealing with this company and with SeedFi. I just want my money so I can give my kids a good XXXX and XX/XX/XXXX is not acceptable. I just want what's mine and what I'm contractually entitled to. Between Seed Fi and XXXX, they need to figure out a better way to get customers what's owed to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Transunion I hope this letter finds you well. I just happened to go through my latest credit report and noticed a couple of pieces of info that didn't quite make sense. I sure could use your assistance in sorting this out. 

You see, there are certain accounts on the report that I don't seem to recognize. Accordingly, I'm asking for a thorough investigation into these accounts in line with the Fair Credit Reporting Act ( FCRA ). 

But before I continue, here 's my essential info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now , regarding the contested XXXX : XXXX. XXXX XXXX XXXX Reason for Dispute : inaccurate / Instruction : Remove XXXX. XXXX Reason for Dispute : inaccurate / Instruction : Remove XXXX XXXX XXXX XXXX XXXX XXXX for Dispute : inaccurate / Instruction : Remove I'm hoping that you could undertake a detailed investigation into this query for me, and let me know of the conclusions. If these accounts are indeed errors, I kindly request they be removed from my credit report as per FCRA, FDCPA, FCBA, and the Gramm-Leach Bliley Act guidelines. 

Let 's make sure everything is tip-top, shall we? 

Thank you for your prompt attention to this matter. Your cooperation is appreciated! 

Kindest regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act, fifteen u s c sixteen eighty one section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and Confidentiality Of those customers ' non public personal information. '' XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general, subject to subsection, ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " In accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the consumer reporting agency 's XXXX and XXXX do not have any of my consent to furnish this information and they surely do not have my written consent. Any and all consent XXXX, XXXX, or XXXX XXXX  whether it is verbal, non verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) and ( c ) states that, '' a financial institution may not disclose non public personal information to a non affiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX Bank never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which It against the law. 15 USC code 1681S - 2 ( A ) ( 1 ) State 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. 15 USC 1681c states. " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

Earlier this month I checked my annual credit report and noticed a credit card account with Barclays Bank Delaware was charged-off. I filed a dispute with XXXX and the investigation came back as accurate and stated that the account belongs to me. I wrote on the dispute that back in XX/XX/2016 I was on XXXX XXXX and was stationed XXXX during the time that the account was opened.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with CREDIT ACCEPTANCE CORPORATION on XXXX XXXX. A consumer credit transaction in which a finance charge was involved.15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction, The finance charge does not include cash, but Credit Acceptance took cash. The finance charge is also supposed to include insurance but Credit acceptance made me purchase insurance separately. Credit Acceptance also went ahead and used a third party that had nothing to do with this transaction or witness the transaction repossessed my car that i have surety interest in which is another violation. I have lost much sleep over this issue i cant believe i have been abused this much.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report. I have reached out to the creditors about these inquiries but they have failed to remove them from my report. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes regarding this account being on my credit report which is hurting my credibility and hurting my ability to obtain credit, XXXX has not only failed to respond but blatantly ignored my complaint which has also disregarded the laws to my consumer rights. 

I asked them to validate the validity of this account being 30 days late XX/XX/2019, also sent them a method of verification once there E-oscar system has kicked back and auto response of update to my complaint which I didn't ask for and update. They are housing misleading persona identifiers on my report as well merging my file with others and compromising my profile. 

This account is bein reported late with XXXX and Transunion but on time with XXXX the creditor has sent proof that I am up to date and not late screen shot of error below XXXX  XXXX Account # : XXXX XXXX
Product: Student loan

Great Lakes received my certified letter XXXX/XXXX/2016 requesting the following information according to the FDCPA 807 [ 15 USC 1962e ] a contractual evidence bearing my signature AND marking my account dispute with the credit bureau. As of XXXX/XXXX/2016 Great Lake has not provided any proof or markings on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX violates section 611 Collection is reporting inconsistent with all three other bureaus, reporting with activities after account has closed.
Product: Mortgage

I applied for a loan modification and was declined for the reason " we're unable to verify your qualifying income ''. I appealed this and escalated this because my only income is VA military XXXX and XXXX social security. How hard is it to verify? I sent updated award letters and two months bank statements showing the deposits and that is it. This seems like it is discrimination against XXXX income " the bank discriminated against modification applicants on the basis of XXXX and receipt of public assistance in violation of the Fair Housing Act ( FHA ) and the Equal Credit Opportunity Act ( ECOA ). '' I spoke to a customer relation manager who claimed they have flagged my account as ineligible for review and the only way I could find anything out was to email " XXXX ''. I have a foreclosure sale date of XX/XX/18 and just found out about it a week ago. The attorney did not send notification as required by law. I have been through this process over and over and always received proper notification. So on XX/XX/18 I emailed a complaint and dispute and request for a reason why my loan is flagged " unable to verify qualifying income '' when my only income is military XXXX and social security? I have yet to receive a reply. I feel Bank of America is not being forthright in its servicing and discriminating against XXXX veterans.
Product: Student loan

XXXX XXXX is making me payback my loans of {$85000.00} at {$1200.00} a month. This is roughtly 41 % of my gross pay every month. After taxes my yearly income is about $ 36-37,000. I am unable to pay 41 % of my paycheck each month for just student loans. This is literally killing me especially with other expenses to worry about.I called the company and they said they couldnt do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX in Oregon to finance a vehicle on XX/XX/XXXX and only gave them authorization to run my credit one time to see what I qualified for. But instead they ran my credit 10 times with multiple banks. This reflects on my XXXX, XXXX and XXXX reports and would like this corrected. This was not approved and now I can not get this removed from my credit file. 

I also financed an XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and this dealership did the exact same thing leaving me with 5 inquiries which i can't removed from my report. This is also reflected on my XXXX, XXXX and XXXX reports. 

Also on XX/XX/XXXX I went into a dealership which was XXXX of XXXX and they turned around and did the exact same thing again. But they stopped after I yelled at them and told them Id report them for fraud. This dealership hit me with 4 inquiries. Below will be a list of all the hard inquiries for 3 separate dealerships on 4 different occasions. 

the fourth time where my credit was shot guned without my approval was one XX/XX/XXXX once again by another dealership. This time it was sent out 8 times. 

This is a total of 27 inquiries when i only own 2 vehicles. 

XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL ( DUPLICATE ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( THIS IS THE DEALERSHIP I USED ) XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANICIAL XX/XX/XXXX XXXX XXXX ( DUPLICATE XXXX XX/XX/XXXX ALLY FINANCIAL ( DUPLICATE ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX
Product: Vehicle loan or lease

GLOBAL LENDING SERVICES committed fraud when they created an account on my behalf ; Pursuant to 15 U.S. Code 1693 ( a ) Account means savings account or deposit account. I the consumer have never done so nor will I ever. The language used on the bill was that youve given me XXXX but you say that I owe you. When a debt is owed it is shown with ( - ) before said amount, so this means that Ive been credited. As a consumer with open ended credit, I want my account credited. I am REFUSING TO PAY BECAUSE I AM THE MASTER CREDITOR AND ISSUER OF CREDIT. I will not be paying this alleged debt nor any future alleged debts. Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you XXXX XXXX are in violation as I never gave you my information directly ; Please also define loan or borrower under the FDCPA. Also according to XXXX  XXXX banks have been bankrupt and can't lend or extend credit so please explain to me who the original creditor is?
Product: Student loan

I have contacted Navient several times, they still have not resolved my PAST dues even thou8gh I have PAID well over the amount due and now they are charging me a fee, and they refuse to RESOLVE.
Product: Debt collection

IC System has infringe upon my right to privacy as a consumer. In they are in violation of the following sections of the Fair debt collection privacy act. 

1. 1692b ( 2 ) 2. 1692b ( 5 ) 3. 1692d ( 2 ) 4.1692c ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX XXXX  of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information has violated my rights. 15 U.S.C 1681 section 602 A. XXXX 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX XXXX of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. XXXX 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 an account without my written instructions. This is in clear violation of my rights. This has caused severe XXXX, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s 1681 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15U.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.