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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. 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 whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 the 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 1681s-2 they are suppose to 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: Checking or savings account

>XX/XX/2019 opened CD online with {$12000.00} for 9 mo term ( 2.1 APY ). I was not given a chance to print or to download disclosure but I received it by mail later AFTER I had asked for it. 
>XX/XX/2019 Saturday closed it US Bank charged 6 mo interest penalty plus {$25.00} for early withdrawal penalty fee {$120.00} + {$25.00} = {$140.00} It gave me credit for the accrued interest {$18.00}.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( XXXX  Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX AND ALSO THE FOLLOWING INQUIRIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  now your system did not want to accept my address its wrong becuase I have a utility bill and proof in XXXX thatr my address is correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX so I i used the XXXX XXXX in XXXX to register please fix your glitch as well
Product: Debt collection

I contact the collection agency Lvnv funding LLC yesterday XX/XX/2020 stating that I dont owe or have any knowledge of anything on the account that was open with XXXX XXXX XXXX ( amount {$760.00} ) I need this account to be deleted Im not the owner of this fraudulent account.
Product: Student loan

On XX/XX/2023 I made a payment of {$10000.00} that I indicated would apply to the highest-interest loan on my account ( 6.540 %, unsubsidized, XXXX XXXX in their system ). I specifically indicated that I wanted to pay by group, and picked group AI. They did not provide a receipt for my payment at all. 

They instead allocated the payment between several loans, including some of my subsidized, lower-interest loans that I don't want to pay off yet. I attempted to call them on XX/XX/2023 to rectify this issue, but it's not possible to reach them due to their increasing call wait times. Meanwhile, interest will continue to accrue every day this is not resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX are both charge-offs the irs clearly states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. 
And 15 USC Code 1681e B states ( b ) Accuracy of report Whenever a consumer reporting agency pre- pares a consumer report it shall follow reason- able procedures to assure maximum possible ac- curacy of the information concerning the indi- vidual about whom the report relates.
Product: Vehicle loan or lease

After multiple discussions with BMW Bank of North America I asked a representative from XXXX ( personal bank used for bill pay ) to confirm payment was made twice for the period they accused me of being delinquent. BMW agreed payment was made and updated my account but reported it against my credit with a massive impact to my score ( 60 point drop ). This is a concern not only because they reported incorrectly that I was late ( proved this via XXXX rep ) but also because they accepted the payment and told me I was late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a membership wit Experian credit bureau in order to keep an eye on my report, I have a credit card with XXXX XXXX XXXX bank with a balance of {$180.00} according to the statement, we are in a new billing cycle, and the billing cycle hasn't ended yet, and I have new balance reported to Experian .according to the term and disclosure of the card, the credit card will have to report to the credit bureau at the end of the each billing cycle .the new billing cycle hasn't ended yet .and my report change with a decrease of my XXXX  score, when I spoke to the bank, they were not able to gave me an answer.i called the credit bureau and I was informed that it is the bank .I brought this up to the cfpb for a resolution, I believe is Experian because, this is always happened to my car loan account, which is not up to date to. 
in a circumstance like this one what are the recommendations of the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried reaching out to XXXX XXXX  XXXX XXXX Credit Card Services due to status not updated on my credit reports for TransUnion, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance back in XX/XX/XXXX and have not used the card since then. I reached out to the company on XX/XX/XXXX to request the account to be closed, but the company never updated the Closed status. I've requested a number of XXXX XXXX cards to close, and this card is one of the two out of nine credit cards I've requested to close that did not. Its the end of XXXX and the status is still not correct.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX {$540.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Two weeks ago they said my application for modification was declined. Now they said I just have to update all documents to be considered again for mortgage assistant program. 
They said its complete and no more documents are needed. 
I told XXXX that XXXX XXXX XXXXXXXX XXXX have two programs to help homeowners. 
one is to be default for at least 2 months prior XX/XX/XXXX. I know it's risky that I did not make a payment this XXXX which will lead to pay the XXXX. I did not make the payment for me to qualify. For the XXXX  XXXX XXXX. The PHH told me that they will not accept single payment and this time they will require the 4 months payment which is around. {$11000.00} for XXXX months. The XXXX  XXXX XXXX  have the second program that I need to be current ( PHH can defer my payment for 4 months and put it at the back of the loan and XXXX  XXXX XXXX  will pay off all the deferment made in my account which is when my family was impacted by the XXXX that cause the death of my brother and brother-in-law. I was also a victim of this XXXX twice. XXXX in XXXX and also on XXXX. My house was vandalized when I was XXXX  too. 
These program from the California was ignored by PHH and these will solve my problem if PHH will just deferred all the the default/deferment made in the account. and the XXXX XXXX XXXX  have enough money to help. Every homeowner will be given {$80000.00} to the maximum when approved. PHH is insisting to wait forr mortgage assisment program but how can I trust when they already declined it. Repayment plan will be more unaffordable they will divivde the {$11000.00} into 6 months which is reidiculus
Product: Vehicle loan or lease

On Thursday, XX/XX/2023, American Credit Acceptance had XXXX XXXX come repossess my car bc I was behind 3 months. I sent a letter priority mail to the company explaining that they were doing was against the law with the following codes : XXXX XXXX, ucc XXXX XXXX tender of payment ), ucc XXXX ( negotiable instrument ), and XXXX XXXX ( without predjustice ) and explained each one to them. I explained to them that the coupon was a form of payment. On that day about two hours after I got home they came to take my car and I had to pay almost {$1900.00} to be able to get out of XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 the 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in dispute letters to all 3 bureaus for 5 months now and no changes and no replies. There are inquires that are on my credit and I have no knowledge of them. i have asked for proof and got nothing
Product: Credit card or prepaid card

We were issued a Citi credit card ( XXXX XXXX ), which we had for almost a year. Then in XXXX of XXXX, we tried to use the credit and couldn't. So we contacted Citi and was informed that they had closed our account and that they could not give the reasons over the phone. Citi informed us that we need to request the reason for the account closure via a written letter and then send it to the address that was given to us ; which we did. After a week or so, we receive a response letter from Citi which indicated the reason for the account being closed. 

Citi stated in the response letter that our account was closed due my spouse 's prior conviction in XXXX. Since then my spouse has been a model citizen!! My spouse has had steady employment, obtained a mortgage, purchased a home, a vehicle and so forth. 

In the meantime, we owed about {$6500.00} on the card. We continued to make payments and Citi refused to reimburse our rebates that we acquired from our purchases. We then contacted a lawyer and he advised us to file a complaint with Consumer Finance. 

We had the Citi credit for almost a year and has been using it and making regular payments before the closure. Citi even praised us for our outstanding credit history payments and increased our limit. So, to just closed our account with no warnings and no notice, is unwarranted. As a result, we had to jumped through hoops to find out the reason for the closure. Citi should have done their due diligence and all the necessary background checks before issuing us the credit card. This is unethical and unprofessional on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Checking or savings account

My Chime Debit card has been used multiple times over the past few months. 3 times exactly and each time Ive disputed them they have not done the right investigations even though I sent in my proof and documentation on them my claims were denied and its totaling XXXX $ that they have denied so far. The most recent was a {$310.00} charge and I received an email from the support team less than XXXX hours later saying thei did their investigating and denied my claim again.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credi reporting ACT has violented my rights. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602A State : I HAve the rights to Privacy. 
15 U.S.C 1681 section 604A section 2 : Its also state a consumer reporting Agency can not furnish a account without my written Instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/1992 XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX XXXX GA XXXX I have received Lexis Nexis rebuttual to my dispute letter. Lexis Nexis failed to do a proper investigation under XXXX XXXX XXXX XXXX XXXX definitionof a consumer investigation which I have attached this dispute. This law states investigative consumer report ( XXXX ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. This law states that Lexis Nexis can not use XXXX as an consumer investigation to verify this bankruptcy reporting on my credit profile which makes this bankruptcy unverifiable. Under 15 USC Code Section 1618i ( 5 ) ( a ) ( i ) Procedures in case of disputed accuracy states treatment of inaccurateor unverifiableinformation if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information to be inaccurateor incomplete or can not be verifiedthe consumer reportingagency shall promptly delete that item of the information from the file of consumer. Also I have reached out to the bankruptcy court of Georgia and they stated they do not provide information to credit reporting agencies including Lexis Nexis. This inaccurate bankruptcy is ruining my credit worthiness to purchase a home. I am XXXX percent XXXX military veteran and it I am currently homeless because I cant get a home or apartment due to this inaccurate bankruptcy. 
I requesting that Lexis Nexis delete this unverifiable bankruptcy from my credit report Under 15 USC Code Section 1618i ( 5 ) ( a ) ( i ) Procedures in case of disputed accuracy Once the bankruptcy is removed from my credit report. Can Lexis Nexis please send me an updated Lexis Nexis report via mail. 



Thank you XXXX XXXX
Product: Credit reporting

Experian started charging me for some sort of service which I never authorized : Pending Transactions Note : Debit card transaction amounts may change ( Learn More ) XX/XX/XXXX PURCHASE Experian XXXX XXXX CA XXXX $ XXXXPosted TransactionsXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XXXX Experian XXXX XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX XXXX XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX EXPERIAN SCORECARD XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXRECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXXX/XX/XXXXPURCHASE AUTHORIZED ON XX/XX/XXXX Experian *Credi XXXX CA XXXX CARD XXXX $ XXXXTotals {$0.00} $ XXXXUse the menu above to view account history since XX/XX/XXXX for th
Product: Credit card or prepaid card

My employer loaded my direct deposit to my American Express Bluebird card on Sunday, XX/XX/2018. As of today, Tuesday, XX/XX/2018, my direct deposit has not been released to my account.
Product: Student loan

Ny loan was moved from XXXX to MOHELA. I received messages online stating I did not renew my IDR. The messages were dated XX/XX/2022 but received XX/XX/2022. My application for IDR was sent to XXXX XX/XX/2022. I uploaded the IDR form the same day, XX/XX/2022. I received another message on XX/XX/2022 that was dated XX/XX/2022 and stated they needed 10 more business days to process my IDR. As of XX/XX/2022 my IDR is still pending with full payment over {$500.00} due by XX/XX/2022. It has been over thr 10 business day and no response in regards.
Product: Checking or savings account

XX/XX/year> There was 3 charges on the morning from a vender by the name of XXXX amounts {$1300.00}, XXXX all of which I did not authorize. I got notified from credit karma about the large transactions that morning and ask if I made these and responded no then locked my account there was also a attempt for a XXXX XXXX credit card being opened in my name same day that was not me that was rejected same morning. Also my account showed an incorrect email address email of XXXX that I have never seen before and had also change my phone number. They refused to accept my dispute of the charges and have now left me short a little over {$4200.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of my account, number XXXX with XXXX XXXX XXXX This was a secured loan opened on XX/XX/XXXX, and paid off in full on XX/XX/XXXX, as shown in the attached screenshot from my mobile app. Despite the account being fully settled with a {$500.00} payment, my credit report incorrectly reflects that the account was charged off with {$270.00} written off and {$270.00} past due as of XX/XX/XXXX. Furthermore, it erroneously shows late payments starting in XX/XX/XXXX, even though the account was already paid off months earlier.
Product: Debt collection

on XX/XX/XXXX I received notice from Jefferson capital regarding a debt with sprint. I replied on XX/XX/XXXX with a letter by certified mail requesting validation and a contract showing my original signature of me doing any business with Jefferson capital systems. They ( Jefferson capital systems ) replied by mail that their records indicated they would no longer attempt to collect on this debt. now in XX/XX/XXXX I received another mailing from Jefferson capital systems regarding the same supposed debt with sprint. I then replied by certified mail on XX/XX/XXXX with another validation and cease and desist letter. I have not received any further communications from Jefferson Capital systems to date however they are still attempting to collect on an invalid debt. I have never done business with Jefferson capital systems. I will be filing a complaint with the XXXX  as well as the FTC if this does not stop. I am requesting they stop any and all collections and reporting to the credit bureaus damaging my credit reports under the FCRA.
Product: Credit reporting or other personal consumer reports

all three credit bureaus is reporting incorrect information regarding XXXX XXXX XXXX XXXX for a total of {$600.00}. This account is paid in full and it needs to be correct XXXX XXXX XXXX XXXX for a total of {$600.00}.