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

In accordance with the Fair Credit Reporting Account, XXXX XXXX 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 account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting beacuse I have found some information on my credit report which is fraudulent beacuse. Never had any attachments with the address listed below Remove personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and requesting that the items be removed Before the CONSUMER LAWS GET INVOLVED WHICH ITS ALREADY OVER 5 BUSINESS DAYS!!!!
Product: Vehicle loan or lease

I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have filed disputes about an account that keeps appearing on my credit report. The original creditor was a cable company. However, i don't owe them. I asked the credit company to show me the " proof '' that validates the collectors claim and I never am given that information. CBE now how the account and they say I owe {$250.00}. I do not owe anything at all.
Product: Credit reporting

I applied for a loan and discovered that my credit scores at all three credit reporting agencies had dropped significantly. Upon further research I discovered that XXXX had listed a XXXX account had the status of charge off/collections. This was incorrect. I had closed my XXXX account and had paid the balance at that time. I received no notices from XXXX that there was a balance due or that the account was not in good standing. 

I called XXXX and they refused to speak with me about it. I filed complaints through each of the credit bureaus. At that point, a XXXX customer service rep did speak with me. She told me she had no information as to why it was listed as collections/charge-off and that the bill had been paid. She had a letter sent to me showing the account ( XXXX ) was paid in full. 

However, my credit score is still low with all three bureaus as XXXX has kept that status as collection/charge-off. I have attached a copy of the information I have from Transunion for the XXXX account, showing that I had previously disputed the information. The " Payment Status '' is listed as " Collection/Charge-off '' and the " Remarks '' section shows " payment after charge-off/collection ''. That is false. The account was paid in full when it was closed. 

The cost of the loan over the 30 year period was increased between {$30000.00} - {$60000.00} due to the inaccurate credit reporting, so I have been harmed. XXXX needs to deleted the trade lines with all three credit bureaus, or I will be forced to file suit to force them to delete the trade lines and recover the monetary damage they have caused me.
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. 
( 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 ) 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, each major credit bureau XXXXXX/XX/XXXX, Equifax, XX/XX/XXXX were sent dispute letters via certified USPS mail regarding specific inaccuracies on my credit reports which are heavily restricting my ability to obtain credit and to increase my credit score overall ( letters attached ). 
On XX/XX/XXXX, each major bureau was informed via certified USPS mail that they have violated federal law by not responding or removing these inaccuracies within the allotted 30-day period. So, by federal law, they must comply and remove these inaccuracies on my credit report. 
Attached to this complaint are my initial letters sent in XX/XX/XXXX and my request to remove letters sent in XX/XX/XXXX. 
Each letter has USPS certified mail info attached as well.
Product: Credit card or prepaid card

I have a XXXX lateness on my account from XXXX to XXXX. The issue I have with capitalone was that I was not notified of my outstanding balance on this account. The only reason I got to it 60 days late was that I decided to log in to capitalone 's online website and saw that there was a balance. I immediately set up payment arrangement for XXXX, XXXX and XXXX and paid off the balance. Normally I get notified through text or email which I had previously set up in the online alerts section of their website but because of an error in their system I did n't receive those alerts. Because of the error I disputed the lateness with capitalone. After going back and forth with them several times through letters I wrote the company they still have not complied with my request. I have had this account open and in good standing for almost 5 years now and have never once missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX i sent a letter regarding inaccurate and unknown things om my credit report to this day over 60 days later i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes, Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into hands of the wrong person
Product: Student loan

I am sure that you have received XXXX these for student loans, private and federal, but I 'm not greedy. I understand that I signed the paperwork and agreed to the loans, but when you 're signing paperwork for a student loan program that was invented by XXXX XXXX to pull itself out of the proverbial boiling pot because it lied to the government and its investors, well then I think personal responsibility can then go out the proverbial window. No one signing you up for a loan is going to tell you that the loan is bogus and that it was created for the sole purpose of covering up XXXX 's accounting fraud. 

I am not asking for my federal loans to be wiped XXXX that would be outstanding, though ) simply because that was a legit loan, not a cover-up scheme of a shell of a loan. I am, however, requesting that you look into the PEAKS loan enterprise in hope that I may receive some relief from them. It is absolutely absurd and inconceivable that this type of fraudulent concoction of deceit can still be allowed to fester and infect students ' lives. It needs to be shutdown and that is why I am writing you ... .yes, relief would be nice to save XXXX dollars, but the thought of PEAKS and XXXX not being able to ruin other lives is so much more fulfilling to me. Please do not brush this under the rug. 

I hope this finds you well, whomever is handling this, and that you have a great day.
Product: Checking or savings account

I have been trying to link my checking account to the investment site XXXX   and have been unable to do so. It is very frustrating because I am trying to start investing my money. I can not do so if I can not access my account through this app.
Product: Debt collection

XX/XX/XXXX, XXXX, a company that I 'd been with for 8 years, and whom I only quit because a salesperson who sold me a new phone committed fraud during the sale, claimed a debt of {$31.00} to my account after it was closed. XX/XX/XXXX, the debt came to my attention through personal monitoring of my credit on both XXXX and XXXX from an XXXX Credit Report. The information from XXXX stated that a company called XXXX posted the debt. After contacting XXXX, and submitting a complaint, XXXX then reported the anomaly. XXXX later claimed validity of the anomaly from information provided by " XXXX ''. I contacted XXXX regarding the debt and requested any and all associated information. They informed me that they no longer have any record or information regarding said debt. I also contacted agents at XXXX who could neither verify information, or confirm the debt and by XX/XX/XXXX, I believe, I visually confirmed that it was removed from my credit reports at both XXXX and XXXX. In about XX/XX/XXXX or XX/XX/XXXX it re-appeared from a different debt collection agency named, '' DIVERSIFIED CONSULTANTS INC ''. I contacted XXXX at that time and confirmed with them that it was the same debt which had clearly been sold to the new collections company and that I would need to again contest it. I did and never heard anything more from XXXX. It has not re-appeared on XXXX at all. I 'm XXXX. Further, now XXXX is making me jump through hoops this year to get a copy of my credit report. I 'm not at all happy. I 've been trying to teach others about managing their personal credit, but where 's the incentive to manage personal credit if there 's nothing the consumer can do to correct false reports?
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report via ( FCRA ) was dispute around the time of XX/XX/2023 But Still Showing on my credit report * 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 USC 1692 / 15 USC 1681b / 15 USC 1681i
Product: Debt collection

I have disputed this information on my three credit reports several times no actions were taken. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me.
Product: Vehicle loan or lease

Back in XXXX i took out a loan with regional acceptance for a XXXX XXXX XXXX. I was making monthly payments of XXXX my last payment was XX/XX/XXXX. I got married and unfortunately, my wife came down with covid long hauler and wasnt able to work. We lost our apartment and the car was repossessed due to non payment. The last form of communication i received from regional acceptance was saying the car had been sold in auction. We lost many personal items in the car on top of everything. The last thing i was notified the car was sold in auction I never heard anything after that from regional acceptance via email, paper letter, text or phone. Years go by and we never heard a single thing from regional acceptance or any type of collections. End of XXXX i went in to see if i could get approved for a loan, come to find out i owed XXXX $ to regional acceptance on a car loan i thought was paid off through the auction. To be clear i found out from the bank that i owed them anything XXXX never saw anything on credit karma. Since then, My wife has called, emailed, left messages, support requests, contact requests non stop for weeks! She left all our contact info and account number exc. They also have my address and email on the account so its not like they wouldn't be able to reach me. So we've gone down a rabbit hole of contacting the XXXX and creating a case hoping they could help get regional acceptance to contact us. Still nothing from regional acceptance. My wife found out that regional acceptance is associated with truist bank and called them hoping to get more information, on the XXXX of XXXX spoke with a XXXX. He stated that regional acceptance had been permanently closed but found it odd there website was still active. Confused my wife calls regional acceptance the next day, she spoke with a man named XXXX, who then transferred her to a voicemail. she had already left a voicemail with there charge off recovery team. She left another message once again giving all the info needed to pull up the account and contact us. As weve done research, weve been able to login to the online account i only owed XXXX left for the XXXX XXXX. If i had been told prior id easily been able to pay it off when my wife and i were both working. From what i see on the account it looks like i paid off XXXX the car from what i remember was XXXX but they want over XXXX. Yet I can't contact them, they wont contact me, the XXXX has gotten involved its not getting anywhere. Something just seems really off. I don't understand how debt collectors weren't contacted ... my wife has started keeping track of dates she attempts to contact regional acceptance
Product: Mortgage

Back on XX/XX/2010 I found a house in XXXX Ohio XXXX with a for rent sign in the window. I called the number XXXX and a guy answered by the name of XXXX XXXX and advised me he was with XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  and that I could obtain the property if I could fix the home to live in and pay XXXX down and XXXX a month until I reach XXXX for the deed to be transfer in my name or I could opt to rent the home. Well it sound like a great idea at the time due to my living situation. So he forward me an application I completed it and he sent a notary to me to sign a contract then I sent him XXXX and I paid XXXX for a few months then I went to call the number to ask some questions it was disconnected. Then I started receiving letters from different loan servicing companies. So I started to do some research online and found out it was a scam the taxes were not being paid and the contract was never filed with the state of OHIO as a land contract or anything. I started to read online reviews and it said to just follow the lender so as I am getting letters from different loan servicing companies which was about five I believe telling me to pay. I just started to pay seeing as if I just spent XXXX to fix up the home. Then the amount change when it went to clear spring loan servicing aka sortis financial so I stop making payments and been trying to fight my way out of the home with my good name in tack. Out of all the loan servicing companies who were collecting for whoever this lender is only one has reported to my credit bureau which is clear spring loan aka sortis financial they had reported this is a conventional loan mortgage, and it is close due to transfer with a XXXX balance. I am in the market to try to obtain a rightful loan with a bank and I can not get any assistant from the OHIO HOUSING FINANCE AGENCY. Because its reported on my bureau I have a mortgage. Theres no deed with my name on it from the state of Ohio, I have no rights to obtain anything on this property. This is fraudulent I have contacted an attorney who told me to move and walk away. But its reported to my credit report as if I had a mortgage. I been in contact with SORTIS FINANCIAL AKA CLEARSPRING LOAN and they will not remove this from my CREDIT REPORT they just keep giving a explanation its close as transfer to another lender who has not reported to my credit report. I keep disputing this with the credit bureau and only XXXX has removed the remark. XXXX and XXXX will not remove this remark. Please advised me
Product: Checking or savings account

My name is XXXX XXXX, i opened an account with Citi Bank on XX/XX/2022. i made sure to transfer money on the account to make sure it stays active. I received my card a few days later but only used the checking account. On the evening of my birthday XX/XX/2022, i then decided to close my savings account and then proceeded to open another checking account and i also requested for a bank card to be sent to me. Then on Wednesday XX/XX/2022 on my birthday i walked into a Citi branch XXXX XXXX XXXX XXXX, XXXX FL XXXX and proceeded to have them give me a temporary card for the second checking account. The teller that helped me at the branch his name is XXXX XXXX which was very helpful with his manager also, but what ended up happening since both account were linked they had to unlink them which was fine because i still had a temporary card. The branch manager then came and completely messed up everything by ordering me another card for the first account which both acct were going to be separated. I left the branch very upset because it meant that i had no money to use whatsoever until i received the card. I received the new card on XX/XX/2022 which i then activated, i also deposited my check which was given to me by my employer, check date was for XX/XX/2022 which i thought would be clear by the following day. ON XX/XX/2022 my account was then blocked for suspicious/fraud activities, i then told both the representative and account specialist this was a check i received with my name and address on it and my employers name ( XXXXXXXX XXXX  XXXX and gave them the employers phone number to verify. She told me to call back because it would be handled by the following day since the check is dated for XX/XX/2022, i called that morning just to find out that my account is still locked and closed and a check will then be mailed to me and that there is nothing that can be done because the account is flagged. Here i am with no money, i can't even buy food, pay bills or pay for my suitcases to fly to go see my family. They have no consideration and no one cares to help, i am overwhelmed, tired and crying because of this ordeal. I will never bank with Citi because they have no sense of doing business, i hear so many stories similar to mind and quite frankly i find it very disgusting that this is how you treat a customer who has done nothing wrong, and has given you countless of proofs. Thank you
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 FIRST CLASS MAIL Capital One Attn : Mr. XXXX XXXX, Chairman & CEO XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX RE : Capital One Credit Card Account for XXXX XXXX XXXX XXXX Account Ending XXXX Dear Mr. XXXX, I am writing to you to express my dissatisfaction with my Capital One Credit Card account. I have submitted 2 letters to your company in XXXX and my inquiries have went unanswered. Furthermore, a {$77.00} refund credit has been withheld from your company, because I decided to pay the account balance in full on XX/XX/2021 from my XXXX XXXX XXXX XXXX Checking account, in the amount of {$1100.00}, so your Capital One Customer Service Agent on XX/XX/2021, stated the payment was a large amount, and the payments from some customers are much smaller, therefore we suspected fraudulent activity., despite the fact the payment was posted 29 days ago. Therefore, my account has been placed in a restrictive status. Capital One is seeking access to my personal banking account, so the refund is being withheld. 

In the past my previous Capital One Credit Card account was covered under the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C Section 3901-4043 with no issues. The restrictive status limits my lending opportunities with Capital One Credit Card and has a negative impact on my credit report pursuant to the Federal Credit Reporting Act ( FCRA ). 

Please refund any credits by check on my account to my attention and ensure my account has not been placed in an unfavorable status. If you have any questions, please do not hesitate to contact me directly pertaining to this matter. A copy of this letter will be emailed to your attention at XXXX to further assist me with my inquiry. Thank you for your assistance concerning this matter. 

Sincerely, //SIGNED// XXXX XXXX XXXX XXXX cc : Consumer Financial Protection Bureau , XXXX . XXXX XXXX XXXX, Iowa XXXX.