23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}
Product: Mortgage

Near the end of a new mortgage application with Axia Home Loans in XXXX XXXX Nevada, during the 72 hours after receiving the final declaration notice, I cancelled the application. I then opted to complete the purchase for cash as the first escrow extension was about to expire and place the purchase in jeopardy. Days later, I received a statement of credit denial from the Axia Home Loan company in which they indicated the loan was denied due to credit issues. After a follow up email to the loan producer XXXX XXXX she assured me that my credit was fine and not the reason our business ended. She then asked for a few days to remedy the misinformation. When that time frame expired, I tried to contact her by phone in a final attempt to allow them to change their action and furnish a letter of termination. At this writing, I have received no further contact. Senior loan processer XXXX XXXX was also familiar with the application details and cancellation. She too offered correction to what I believe to be the punitive credit declaration.
Product: Debt collection

On XX/XX/XXXX I pulled a credit report off my XXXX Credit card online portal. The XXXX  report showed that my credit has decrease, so I started to investigate and found a collection notice on my report filed Collection Agency named AARGON COLLECTION at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX had filed a collection notice on my credit report for {$1800.00} that was open XX/XX/XXXX. This is not my charge so I called AARGON and they told me that XXXX XXXX had file a claim against me for {$1800.00} for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX installed in car. This is not my charge so I called AARGON and tried to contact XXXX  and they would not answer their phone. I called AARGON back on XX/XX/XXXX and this time they said the account number XXXX is filed under a person named XXXX XXXX Case and since this not me they could not give me additional information to clear the this off my credit report and I would need to file report with FTC.GOV and send it to them. 
AARGON Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Fax- XXXX Account # XXXX Amount - {$18000.00} -Account Open XX/XX/XXXX, No payments have been made. 
Company Name- XXXX XXXX XXXX Message only XXXX XXXX XXXX XXXX XXXX XXXX installed on a car XXXX  account XXXX Phone # XXXX XXXX XXXX Called AARGON and spoke XXXX- Could not find my info Called AARGON- XXXX on XX/XX/XXXX Said this account was under XXXX XXXX Case An he could not share additional info with me because not correct name. 
Supervisor XXXX XXXX XXXX Need to contact FTC>GOV file claim. 
Left 3 message at XXXX on XXXX phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 This is the second time that I have reached out to Experian in reference to inaccurate information that is being reported on my credit report. I never received any correspondence in the mail and there has not been any updates with incorrect items on my credit being removed. I have also reached out to the companies who are reporting the collection & charge off accounts and requested VALIDATIONS and I have not received the requested information either. If this issue is not resolved. I am prepared to file a civil lawsuit against Experian for reporting incorrect information without proper validations if the debts and damaging my reputation. 
You have ignored my request to provide me with the documents that you have in your files that you used to VALIDATE the disputed accounts which means that you have NOT VALIDATED or you can not VALIDATE any of these accounts and under Section 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be VALIDATED. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be validated or deleted immediately. 
1. XXXX, XXXX ... ... XXXX ... ... ... UNVERIFIED ACCOUNT 2. XXXX XXXX XXXX ... ... XXXX ... .UNVERIFIED ACCOUNT 3. XXXX XXXX XXXX ... ... XXXX ... .UNVERIFIED ACCOUNT 4. XXXX XXXX XXXX ... XXXX ... ... UNVERIFIED ACCOUNT 5. XXXX XXXX XXXX ... XXXX ... ... UNVERIFIED ACCOUNT 6. XXXX XXXX XXXX  ... ... XXXX ... .UNVERIFIED ACCOUNT 7. XXXX XXXX XXXX ... ... .XXXX  ... ..UNVERIFIED ACCOUNT
Product: Vehicle loan or lease

Greetings, Im writing to you regarding a violation committed against me by the Capital One Auto Loan Department. On XX/XX/XXXX, I attempted to appraise and sell my vehicle at XXXX 6 days prior to moving from California to another state. This is a vehicle that I refinanced with Capital One 15 months ago on XX/XX/XXXX. Upon refinancing last year, I had read on the Capital One website that they would handle the updating of my lien holder on the vehicles registration and I would not need to take any further action. 

However, on XX/XX/XXXX, after spending 3 hours going through the appraisal process and initiating the sale, I was informed by XXXX that they could not purchase my car. They explained that this was due to my vehicle registration not having CapitalOne listed as the loan company. My registration still had the previous loan company listed. Despite having refinanced with them over a year ago, CapitalOne neglected to perform a basic action that they claimed was a part of their services on the company website. 

Upon calling Capital One customer service regarding my inability to sell due to their inaction, I was informed that they could not update the lien holder on my registration until I faxed them a Power of Attorney representing the lien holder change. Per Capital One, the process of finalizing the update would take about 2 months. However, I was never notified by Capital One about the need to file a Power of Attorney since I refinanced with them in XXXX. Throughout the entirety of the past year, they had XXXX communication with me regarding any action I needed to take to initiate this process. 

It is urgent that I move promptly to care for my ill family members. The aforementioned hindrances to selling my car have prevented me from moving on the date I planned, XX/XX/XXXX. The earnings from selling the vehicle were to be a part of the necessary funds for my moving expenses. I am now required to decide between delaying my move and taking my car to a new state, which would add significant moving expenses. 

Capital Ones prolonged lack of communication and customer service have disrupted my moving plans and my ability to be there for my family in a time of need. In addition to making the life of myself and my family extremely difficult for the next 2 months, they informed me that I would still need to make full monthly car payments, including interest, to them for these 2 months. As a result of their apathetic approach and failure to keep me informed about the lien change process, I will be required to make 2 or more additional payments on a vehicle I no longer intend to use. Id greatly appreciate your correspondence regarding any disciplinary action that can be taken to address the companys dishonesty and financial exploitation throughout the loan process. 

Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute to Equifax on XX/XX/XXXX. The dispute center said that the dispute should be finished by XX/XX/XXXX. Today is still saying under investigation and it's been 32 days. I called Equifax and they told me that I have to call the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed in my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secton  611 ( 5 ) ( A ) of the FCRA - t hey are required to '' ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this matter as soon as possible.     Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency has the audacity to profit from my personal information. But not correct it after Ive repeatedly sent letters and copies of my ID and proof of mailing address to correct it. 
For the last time, my name is XXXX XXXX XXXX. Not XXXX XXXX XXXX. Please correct my personal information before I I sue you for defamation of character.
Product: Checking or savings account

Good evening, I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found several reporting discrepancies on my credit bureau files regarding this collection account. I have tried to resolve the matter directly with the original creditor but to no avail. On XX/XX/2023 I mailed via certified mail a request for information on this collection account. The following letter was submitted for account investigation and to date this has not been addressed so i am requesting this file to be deleted asap. here is a screenshot of the requested information for validation of the debt. 

National Recovery agency XXXX XXXX XXXX. 
XXXX, Pa XXXX To whom this may concern, Your company said, I allegedly owe you money. I am willing to Pay under the conditions that you are able to provide : 1 : validation of the debt- - that is, the actual accounting.

2 : verification of a signed invoice.

3 : a copy of the contract binding both parties ( you and I ), and a letter by certified mail so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Along with the above requested information, i also discovered several inconsistencies on my credit report that I have outlined and will attach the file with the discrepancies highlighted for review.
Product: Credit reporting or other personal consumer reports

Accordance to 15 USC 1681a ( 2 ) I didnt give written permission to have these accounts reporting on my XXXX TRANSUNION XXXX CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

Discovering that I've been a victim of identity theft has been incredibly stressful. Someone used my personal information, resulting in unauthorized accounts and activities appearing on my credit reportaccounts I had no idea about and never had any involvement with. Realizing how serious this was, I acted right away. I contacted Experian, and they told me to file a report with the Federal Trade Commission ( FTC ), which I did immediately. I forwarded the report, hoping it would help get these false items removed quickly. However, despite all my efforts, the fraudulent entries are still there, and its been frustrating and concerning to think about the lasting impact this could have on my credit and financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX of Missouri XXXX XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I contacted the original creditor which was XXXX XXXX XXXX, I sent Total Card a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to JTM Management, LLC on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to JTM Management on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to JTM Management on XX/XX/XXXX. I sent JTM Management a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is JTM Management LLC. I have enclosed a copy of the certified letter that was sent to JTM Management LLC on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now JTM Management. They received the letter on XX/XX/XXXX ... Well today is XXXX, XXXX XXXX and JTM Management has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... JTM Management needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. JTM had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies XXXX, XXXX, and Equifax have been reporting numerous accounts that solely contain information regarding transactions on my consumer report and details relating to the approval or authorization of credit card extensions, whether direct or indirect by the issuer. 

As a result, all three corporations are in violation of the following federal laws : 15 U.S.C. 1681a ( 2 ), specifically Exclusions, Subpart A, Sub-subpart ( i ) 15 U.S.C. 1681a ( 2 ), particularly Exclusions, Subpart B
Product: Credit reporting or other personal consumer reports

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report the wrong address is listed. On my credit report the following addresses are listed and these addresses are incorrect and I want these addresses removed from my credit report. I want the following addresses removed from my credit report immediately. These addresses are : XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Florida XXXX XXXX ) XXXX XXXX XXXX, XXXX Florida XXXX My correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX. 

I have attached a copy of a utility as proof of my address. My telephone number listed on my credit report is also incorrect. My telephone number is XXXX
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXXaffiliated schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXXXX 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 The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts. We are asking you to take immediate steps to : 1. Approve all
outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX, Students & Graduates XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * 2. Account number is different *see attached document* 3. The amount is different *see attached document* This is damaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report. 

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

In XX/XX/2016, two ( 2 ) items were removed from my credit report, one for XXXX XXXX XXXX XXXX and one for XXXX XXXX XXXX. These items were deleted and were reinserted a couple of months later. I have disputed these items, requested verification as well as validation of these debts. These debts do not belong to me and I have been trying to get them corrected. I contacted XXXX and requested the procedure used to verify the accuracy of these items. According to the FCRA, the credit reporting agency should provided, upon request, the process used for verification. This process includes, but is not limited to, names of persons spoken to to verify debt, dates and times of said conversations, as well as any and all supporting documentation. <P/>When I asked the credit reporting agency, XXXX, for these items, they responded with a form letter stating that they are not required to supply these items. Their method of verification is electronic ( XXXX ) I am requesting an IMMEDIATE and PERMANENT deletion of the above said items, because they have not and can not be proven to belong to me. XXXX and refused and failed to properly investigate these items. This situation has dragged on for far too long with no attempts by XXXX to properly handle my disputes.
Product: Debt collection

CLIENT SERVICES, INC. ( CSI ), is a third-party debt collector who opened an account via Identity theft. CLIENT SERVICES, INC. ( CSI ) did not CONFIRM that there is NO CONTRACT between the " consumer '' and CLIENT SERVICES, INC. ( CSI ).

CLIENT SERVICES, INC. ( CSI ) responded to CFPB on XX/XX/year> : There were no contacts with the " consumer '' while the account was in our office. The " consumer '' account has been recalled by our client, the original and current creditor. 

CLIENT SERVICES, INC. ( CSI ) claim that the account was recalled by their client, yet I received another DEBT COLLECTION LETTER dated XX/XX/year>. 

The alleged creditor XXXX Bank failed to send me XXXX XXXX as per IRS guidelines . So, I e-filed Form XXXX for XXXX BANK, and it was accepted by IRS on XX/XX/year> ( see attached redacted Form XXXX ).
Product: Checking or savings account

Capital one isnt releasing direct deposit to my HYSA.