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

In accordance with Fair Credit Reporting Act .The list of accounts below has violated my federally protected consumer rights to privcy and confidentally under 15 USC 1681 XXXX XXXX Card Acct. # XXXX, XXXX Card Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Acct # XXXX 15 U.S.C 1681 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 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 conviction of crimes which antedates the report by more than seven years.

15 U.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.
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. 


Account Name : 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 15 U.S.C 1681 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.

15 U.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.
Product: Payday loan, title loan, personal loan, or advance loan

I was in a bind and took out this loan # XXXX from advance cash. The loan was for {$1200.00}. I have paid 23 payments of {$130.00} for a total of {$3000.00}. I called the company today and asked for a payoff and they told me my payoff was {$1300.00}. I dont understand how this can be? I would not recommend anyone dealing with this company
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have evidence which will identify that I have had the crime of fraud against me as well as other detailed felonies. 

Please refer to the attached documentation that goes into detail about the fraud that I have been a victim of by : XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX, And subsidiaries : Saxon Mortgage Company, Mortgage Electronic Registration Systems, Ocwen Loan Servicing and PHH Mortgage/ PHH Corporation I am a victim of identity theft. My unique signature has been forged in two different forms. One on the Mortgage note and the other form on the Mortgage Documents. 

Given that the Bank has chosen to mail these fraudulent document, it is also mail fraud. 

I have fought this case Under Index # XXXX/XX/XX/XXXX Supreme Court / XXXX County/ New York This case could not move forward and the Bank sold this debt to Ocwen Loan Servicing and they indicated another action under Index # XXXX/XX/XX/XXXX. 

I have attached all of the documents that will back up the identity theft, forgery, mail fraud and misrepresented documents to the Court.

The Bank and Subs willfully mislead the Bank with false and inaccurate documents.

Please review the attached. There has been 3,072 cases of Mortgage Fraud reported against this Bank and or its subsidiaries.
Product: Vehicle loan or lease

Bank Of America XXXX $ interest 4 % XX/XX/2021 My XXXX score according to XXXX is XXXX. However Bank Of America is claiming that they pulled credit from XXXX at XXXX. Approximately XXXX, my interest was XXXX %, which they stated they pulled from XXXX. Which ever the case, Bank of America is reporting conflicting credit bureaus with deflated XXXX scores. They have also committed fraud on my credit card. Unknown balances appear on my Credit Card.
Product: Debt collection

I borrowed funds from CheckSmart. Unfortunately within the time I was scheduled to pay back, I had unforeseen expenses come up that just had to take priority. On XX/XX/2018, between XXXX XXXX ET and XXXX XXXX ET, I received 12 calls total. I was at work unable to answer. When attempting to call the number back, I was unable to get through. On the following day, XX/XX/2018, between XXXX XXXX ET and XXXX XXXX ET, I received 9 more phone calls while I was at work. From a number that I was unable to call back. I find this to be extremely harassing as not only was I not given enough time to call back, I also can not reach the company from the number that I received calls from.
Product: Credit card

Discover Card advertised and has been running a promotion whereby the account holder will receive 10 % bonus points/miles for purchased up to {$10000.00} total made using XXXX. After the promotion began Discover changed the terms to dis-allow gift card purchases to count towards the promotion. They have arbitrarily declined me the bonus multiple times stating they believe I had purchased gift cards. They stated that if I did not purchase gift cards I should email them scans of my receipts. This shows that they are erroneously and without merit denying claims to the bonus with out any actual information or proof. They are also asking me for receipts, which I do not have because I did not keep them due to the fact that the terms of the promo do not mention the need to keep receipts. Discover is being very deceptive luring me and others in to a promotion and the using bait and switch tactics to not have to pay out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, US Dept of Ed/XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 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 n account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Credit card

I contacted my credit card company ( Cap One ) to report fraud. It was n't until I let them know I knew about the CFPB to report a complaint that they finally addressed my concern. However, I received a rebel for the exact reason for which I filed a complaint. I received a message from someone in their dispute resolution team and after XXXX messages/phone calls I have yet to receive any explanation or assistance from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute through XXXX  for Vanderbilt Mortgage. It states paid and closed which makes it look like a positive account in order to remain for 10 years or more. When you look at the account/payment history it clearly states repossession which makes this a negative account, therefore it should have been removed at the 7 year mark. All other credit bureaus have already removed the item, but XXXX  seems to be going by a different set of rules. Most recent dispute was XX/XX/XXXX and I received results on XX/XX/XXXX stating it is accurate and no changes were made. Last payment was made XX/XX/XXXX, item should have been removed XX/XX/XXXX. I was advised by an XXXX  employee that it will stay even longer because I filed a dispute in XXXX.
Product: Credit reporting or other personal consumer reports

During the pandemic I had hardship due to loosing my job. I made accommodations with XXXX, and was assured the account would remain good standing during this time frame. Under the CARES Act, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I requested that these late payments are removed from the accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. I sent in a dispute letter to Experian, I just received notification of the result of my dispute was that the late payments will remail on my account, but i feel a proper investigation wasn't done. I need to know who they spoke with because there's definitely notes in their system of me calling in and being on a payment plan.
Product: Payday loan, title loan, or personal loan

I've attempted to remove late payments in good faith, and company has not complied.
Product: Student loan

I an concerned that I am being double billed for the same student loans. Early in 2022, I received information regarding my student loan servicer, Navient. I was informed that they would be handling my loans moving forward. My loan balance is not correct. I contacted Navient numerous times requesting detailed documentation on my loan. I was initially informed that they did not have any information to provide and I shouldn't be concerned since they are in " In-school deferment '' status. On another call, I was informed that the information would be emailed in 2-4 weeks. I never received the information. I called Navient to request the information again and was informed that no information could be provided until July 2022 due to pending litigation regarding some loan accounts, but, they were unable to confirm if I was included in this matter. In July, I never received anything from Navient. I did receive notification from the XXXX XXXX XXXX XXXX that my loans were being transferred from XXXX XXXX to a new service provider. I contacted again to inquire about my incorrect loan balance and was told that I would receive detailed documentation on my loan, via email, in a " few weeks. '' I have never received anything, except for a summary of the incorrect balance. I contacted XXXX XXXX XXXX, who initially stated that they did not have the records and then referred me back to my service provider, Navient, who told me that their records are correct but have failed continuously to provide that information. Rather than sending me the documentation I requested, they sent me generic templates that I can retrieve on my own.
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. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( aconsumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as requiredunder Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provideme with any verifiable proof. So, my question comes up again, WHO VERIFIED THESEACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, orinaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX .... Late dates XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Late dates XXXX
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an 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.

15 U.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.
Product: Debt collection

My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. Pursuant 15 U.S. Code 1692b ( 2 ) which states that you may not state that a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ). If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ;
Product: Credit reporting or other personal consumer reports

I have never had any dealings with this property and am not responsible for any debts, leases, or other obligations associated with it. This incident has caused significant distress, and I am taking steps to rectify the situation, including disputing the fraudulent account with the relevant parties and credit bureaus.I request that this fraudulent lease be thoroughly investigated and that any records or credit reports related to this incident be corrected immediately. 
( Account number for XXXX is, XXXX XXXX XXXX XXXX ) ( Accout number for Experian XXXX, XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

After reinvestigation of a XXXX account on my consumer file. This item is still reporting negatively on my consumer report and I demand it to be deleted due to the fact that after the investigation the comments still says paid for less than the amounts even though I paid the balance in full and they closed the account when I contact the the reporting agencies it states that I have a derogatory item on my consumer report which is the XXXX account which states paid in less than full due to the inaccuracy after the reinvestigation by consumer law I demand that this item be removed from my consumer report
Product: Credit card

On XXXX, XXXX XXXX notified me of fraud and some items were returned. It is customary for a card to b suspended once fraud is detected.They allowed charges over {$700.00} for the same XXXX date and they told me in writing that since a chip was used it could not be fraud. The truth is crooks can and did capture my card information from a chip using a technique called shimming. I have tried several times to speak with them but they lie is is really a sad situation.
Product: Checking or savings account

Unauthorized Charges by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo returned XX/XX/XXXX {$54.00} Wells Fargo states ther is nothing else they can do. 

I reached out to XXXX XXXX  They tell me there is no history on there end
Product: Vehicle loan or lease

I made 2 payments for Westlake financial services .so the report on my report is wrong they sold my car to auction with my 3 items of mine would like to dispute this out of my account. XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  this account is still open and not close. {$360.00} XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  dispute this account paid then account got closed. {$94.00}
Product: Debt collection

I'm writing to formally dispute a debt claimed under my name on my consumer report. This letter serves to inform you that the debt in question is the result of identity theft, and I do not acknowledge any liability for it.

Under the provisions of 15 U.S.C. 1681 ( b ) ( a ) ( 2 ), entities are permitted to obtain consumer credit information for specific legitimate purposes. In this case, my personal information was used without my consent, constituting a clear case of identity theft.

Please note the following points : Identity Theft Claim : I have been a victim of identity theft. The debt you are attempting to collect is associated with fraudulent activities carried out in my name without my authorization.

Request for Validation : In accordance with the FDCPA, I request that you provide complete validation of the debt. This includes detailed information about the original creditor and any documentation that directly links me to the alleged debt.

Cease and Desist : I insist that all collection activities, including reporting to credit bureaus, be ceased until full validation of the debt is provided. Failure to comply with this request will be considered a violation of the FDCPA.

I expect a prompt response from your agency acknowledging the receipt of this dispute and outlining the steps you will take to rectify this situation. Any further attempts to collect this debt without adequately addressing the issues outlined above will compel me to consider legal action. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Navient refuses to set me up with an affordable or XXXX system. They take half of my monthly income of around XXXX per month. I am getting a reduced interest rate but this hardly solves my financial hardship. XXXX should be eligible to all student borrowers no matter what the loan. I am suffocating in debt and Navient refuses to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to XXXX, Exquifax and XXXX. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT EQUIFAX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alert Type : New Inquiry Processed Date :XX/XX/XXXX Inquirer 's Name : XXXX   Phone : ( XXXX ) XXXX Type of Industry : National Credit Cards/Airlines Address : XXXX XXXX XXXX XXXX XXXX FL XXXX I went to my XXXX Credit reporting portal to discover that there was a hard inquiry on my report that i did not authorize. I called XXXX XXXXXX/XX/XXXX XXXX to inquire why they preformed a credit inquiry, the rude agent advised me that they don't deal with XXXX and that i would have to call XXXX to dispute?? I advised her that the inquire came from XXXX XXXX not XXXX. She repeated over and over I have to call XXXX to dispute the inquiry.
Product: Debt collection

See attached. A debt collection agency has placed a negative trade line on my credit report without providing the validation of debt requested and a reasonable opportunity to investigate the putative debt. This is important because ( XXXX ) I previously owed money to the original creditor that was handled by Focused Recovery that was discharged in a Chapter XXXX bankruptcy and ( XXXX ) I may have been a victim of identity theft. A full legal analysis and memorandum of facts necessary to adjudicate my claim are attached.