23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am disputing the following student loan accounts according to the section 623 under the FCRA for reporting incorrectly. 

Account : XXXX ( Group A/B/C/D/E/F ) XXXX XXXX XXXX XXXX XXXX XXXX I do not agree with the student loan debt reporting on my credit report. I have exercised my rights and requested debt validation from Nelnet. Please provide me with the original instrument of indebtness in its original form. I am asking for the original contract with my INK signature. I sent letters via certified mail to the credit bureaus in XXXX & XXXX. Despite my requests, Nelnet has not responded to me and ignored my requests. 

This is a formal complaint for Nelnet to provide me with the following : 1 ) Exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists. 
3 ) Copies of the Application and 2 sided Promissory Note documents. 
2 ) Copies of original documents that meet the Uniform Commercial Code ( UCC ) requirements for legally binding promissory note debt instruments. 
4 ) Exact copies of all of the original Notice of Loan Guarantee and Disclosure Statements that apply to the loans that I allegedly received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( b ) ( 2 ) -Permissible purposes of consumer reports ; In accordance with the written instructions of the consumer to whom it relates. I have repeatedly demanded that Transunion stop furnishing erroneous, inaccurate, identifiable location information on my consumer report. However, they have failed to comply. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) under the Fair Credit Reporting Act, it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. These people have not been responsible, fair, nor impartial, and they have not been respectful of my right to privacy, and I am tired of this XXXX! They have caused me grief and great stress in my life and my rights have been violated due to everything they are falsely saying about me ; In addition, I have been denied credit 4 times due to what you are saying about me. The alleged information you are allowing these furnishers to report to you about me has not been fully investigated and was not brought to my attention. What makes this worse is that Congress states that you are not even government, and you have assumed this role, which is considered fraudulent, scamming, and Identity Theft.
Product: Debt collection

I have requested proof of the damages owed from the insurance company through communicating with the company National Commercial Services. NCS has failed to provide proof of the debt that was owed from the repairs to the house that was damaged. I also have proof of the costs of the repairs from XXXX XXXX, which was paid in full.
Product: Debt collection

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing in response to collection, Act. # XXXX, XXXX XXXX, in the amount of {$300.00}. 

I am victim of identity theft and would like Med Data Sys to provide proper validation, above verification, of any relationship established with Med Data Sys or XXXX XXXX. I am exhausting all efforts to quiet this claim and request Med Data Sys System, prove that this debt is valid. 

If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. XXXX. 


XXXX XXXX
Product: Debt or credit management

In XXXX I filed for XXXX XXXX, XX/XX/XXXX, Due to XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX Bankruptcy in XXXXDuring the XXXX process, all my credit debt had to be listed. My partner and myself had leased a XXXX XXXX XXXX using Ally Financial Bank. We had 6 months til end of lease. The amount we owed was {$2000.00}. the payment schedule for my XXXX didn't begin until XXXX because of an oversight by my attorney. My Partner didn't want to have his credit harmed by my XXXX so he paid all payments due and we returned the XXXX  to the dealership XXXX XXXX, XXXX and paid a closing fee of {$410.00}. In XXXX he received another statement from Ally stating he owed another $ XXXX paid Ally and thought that was the termination of what was due. However, when I accessed my XXXX on the XXXX website ( XXXX ) I found that Ally Bank was one of the creditors receiving monies from my payment schedule. I notified my Attorney that my partner had paid all funds required by Ally, but he did not reply or give any advice. 
A similar process occurred with XXXX XXXX XXXX XXXX XXXX. XXXX has a cross collateral contract that states that a car loan from XXXX must be attached to the credit card amount we owed. Again, since the XXXX payment was later than the XXXX  payment date, my partner to pay what ever interest accrued each month before the payment date of my XXXX. XXXX payment stayed the same.However, when the car amount ( though it was triple of what we owed ) was completely, paid XXXX would not give my partner the title for the car. This caused monetary stress and XXXX for myself and partner.
Product: Debt collection

First Recovery ( XXXX ) has been harassing me and my family, friends and calling me at work for a payday loan from 2012 ( file # XXXX ). 
This debt never happened that I recall.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan that i did not receive statements since XX/XX/2020. I tried calling the bank but was on hold with long wait times. As it turns out, i was not getting the statements because they failed to update my address after we relocated on XXXX XXXX military orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and XXXX and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA XXXX XXXX XXXX XXXX XXXX  has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX Account Name # 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 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 record 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, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Final Warning : Failure to Investigate My Dispute Immediate Legal Action Pending To Whom It May Concern, This is a final demand regarding your unacceptable handling of my dispute filed on XX/XX/year>, concerning the XXXX account. Your decision to open and close this dispute on the same day without any form of investigation is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Your failure to conduct a proper investigation constitutes gross negligence of your legal obligations. The FCRA clearly requires credit reporting agencies to perform a reasonable and thorough investigation of disputed information. The fact that you closed my dispute within hours makes it clear you did not even attempt to meet this standard. This blatant disregard of your duty is both illegal and unacceptable. 

I am demanding that Experian immediately reopen my dispute and carry out a full investigation in compliance with federal law. If this matter is not resolved to my satisfaction within 10 days of this letter, I will be left with no choice but to take the following actions : 1. File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Pursue a lawsuit against Experian for violation of the FCRA.

3. Report your practices to my state Attorney Generals office.

4. Explore additional legal options for damages caused by your negligence. 

I will not tolerate any further delays or half-measures. If this dispute is not reinvestigated and resolved immediately, Experian will face severe legal consequences for its failure to comply with the law. This is your final opportunity to resolve this matter without facing litigation and regulatory penalties. 

I expect a written response confirming that my dispute has been reopened and that a thorough investigation is underway. Do not attempt to dismiss or delay this issue, as I am fully prepared to take all necessary actions to hold you accountable. 

Attached is supporting documentation This is your last chance to resolve this before the matter escalates further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about EQuifax I contacted them in XXXX about an account on my file from XXXX XXXX XXXX the contract for this account has been cancelled now they sent me paperwork on XX/XX/2018 stating that it was not reporting thats not an answer and it needs to be removed this is my fifth time disputing this and nothing is being done the contract has been cancelled
Product: Checking or savings account

I was a customer of XXXX Bank which was acquired by Bank of America. After the acquisition, BOA changed the minimum balance requirement in my checking account without any notification. Then Bank of America started charging the minimum balance fee on my account from XX/XX/XXXX until XX/XX/XXXX without my knowledge, and despite they didn't notify me. For a total of 8 months, the bank charged {$14.00} every month for a total of {$110.00}. I was on a long term illness in XXXX and couldn't go to the bank to inquire the account status, yet BOA didn't notify me of the late of charges during the XXXX months period. 

I had called BOA several times in the past 4 years and even visited the bank in person to dispute the charges, but each time the XXXX informed that those charges by the bank can not be disputed. Once again, I just called BOA today on XX/XX/XXXX and spoke with the XXXX XXXX, ID XXXX. and she informed that she could not find those charges in the system any longer as they were too old.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from Oportun on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful XXXX credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!
Product: Debt collection

XXXX XXXX allowed someone to fraudelently open an electric account in my name. The person didn't pay the account and the balance is up {$310.00}. It was the charged to Mercantile Adjustment Bureau. I want this removed from my credit.
Product: Credit reporting or other personal consumer reports

Transunion file # XXXX XXXX. Transunion has received proper evidence via certified AFFIDAVIT XXXX, received XX/XX/XXXX, and certified Affidavit XXXX, received XX/XX/XXXX, showing this account to be inaccurate and does not belong to this consumer or on the credit report. 

XXXX. Consumer declares that XXXX XXXX XXXX XXXX XXXX merged out of existence, and was dissolved on XX/XX/XXXX as South Carolina entity # XXXX, and that none of its officers were operating lawfully in North Carolina at the time of alleged consumer contract, therfore it is impossible that agents for TransUnion could verify or investigate and are falsifying their report that it was already verified. Transunion has received evidence via certified XXXX that account was disputed with XXXX and deleted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX  Account Number XXXX
Product: Credit reporting or other personal consumer reports

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

In accordance with the Fair credit Reporting act XXXX  account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right ton 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX  ( XXXX  ) ( Equifax ) on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was COMPLETELY SHOCKED after viewing from credit report. This particular agent was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and praying that i'd get that same helpful agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution. With people living outside the USA handling my personal info, im not surprised at all at the level of fraudulent activity on my credit report. Im hoping for a resolution immediately.
Product: Credit reporting

I fell for TransUnion Interactive 's Credit Report and Monitoring offer of a {$1.00} trial, only to discover that there was no usable information included ( like my credit report ). For that, I had to sign up for another $ XXXX, which I did, naturally with the understanding that I would have full access to all three bureaus ' reports for 30 days. Not only were these SIGNIFICANTLY limited versions of my credit reports ( compared to the free reports from all three agencies I obtained a month ago ), making comparison all but impossible, I learned today that you ca n't actually access them for 30 days if you do n't pay an additional {$17.00} within 7 days to continue the initial " membership. '' And of course, there is no refund for this bait and switch ... all I could do was cancel both the membership and the credit report access before I got automatically charged for renewal, and as a result I immediately lost all access to even this limited information. This is a SCAM.
Product: Credit reporting or other personal consumer reports

XXXX continues to furnish inaccurate XXXX loans past 7 years of XXXX day of delinquency. CFR 605 ( c ) 1. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and not authorized to be furnished on my Consumer Files. 

These accounts are being reported resulting in Fraudulent Identity Theft.
Product: Vehicle loan or lease

While running information to purchase a new home, our credit was run and the current debts were listed. While listening to the debts, we became aware that one of the debts was not one we had acquired. Upon further investigation, we found that a XXXX XXXXXXXX XXXX XXXX was purchased from XXXX XXXX XXXX, XXXX. in XXXX NC. This purchase was made using my name and social security number. I reported the PII theft to the XXXX Police Department, XXXX, NC ; Officer XXXX, Police Report # XXXX. Officer XXXX suggested I report to my local police department, the XXXX XXXX Police Department, XXXX XXXX, GA, Police Report # XXXX, Officer XXXX. 

I attempted to report this to Capital One, and sat on hold for more than 5 hours on the telephone. I am supposed to close on my home on XXXX XXXX, and now the lending company will not underwrite the loan due to this new XXXX debt on my account.
Product: Debt collection

I have tried everything to show this bill was fraud never my bill I sent information formatted in a letter and this bill was originally XXXX. It was removed from one of the credit bureaus at least four times however once it's sold to another collection agency it seems to come back on y credit report. I have never lived at this address or signed up for XXXX. I stated this and showed I've been in XXXX XXXX, CT during the activation of this company resources. I had XXXX in XXXX XXXX, CT during this time living in XXXX XXXX CT, XXXX. This bill has never been mines nor has any proof been shown this. Please look into to this and remove it permanently so I don't keep having this issue of disputing this company. It only keeps appearing on XXXX from a collections company named Radius Global Soultions in which I've contacted them as well about this. Please help assist me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received Experian email notification on XX/XX/XXXX stating this- Hi XXXX XXXX your dispute results are ready. Dispute results Your dispute report number XXXX results are ready for review. 
Problem - Experian is continuing to violate my consumer rights accordingly with FCRA rule 15 U.S. Code 1681a ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
15 U.S. Code 1681a ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

15 USC 1681a ( D ) the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; Hard Inquiry - This is fraud. I didn't consent to this inquiry. 
On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Good morning Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit tis my understanding that you wilivestigate these items for me to ensure accuracy. Here is the item am asking you to verify as accurate : TransUnion : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 the Merchant XXXX XXXX charged my debit card twice for {$18.00} & {$21.00}. This transaction is fraudulent and I have filed a police report. I disputed it and current said I lost my claim. If current does not fix this issue I will filing a lawsuit in small claims court
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Tried numerous attempts but PNC bank will not let XXXX connect to my account to give the payday loan on XX/XX/20 at XXXX