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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction.

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426- character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX  - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Bank account or service

On the XX/XX/2016 XXXX XXXX weekend. My Chase debit cards were stolen. And my information was hacked. Someone applied fraud claims against my Chase accounts and also applied for credit cards and loans. I called Chase about this as my usual direct deposit was frozen in my account and taken by Chase. Chase forced me to pay {$200.00} to clear this claim to keep my accounts. I informed Chase there is a {$2000.00} claim on my account that I did not do additionally to the first claim I paid {$200.00} for. Again I am located in XXXX not XXXX where these withdrawals were made from my account after the claims were made. After I settled this {$200.00} claim all of my Chase accounts were closed. I informed Chase several times that my information was stolen and I would need new cards and to possibly change my accounts. I never received any new cards from Chase. Chase came back to me stating I owe the amount of {$2000.00} that I informed them that I did not file this claim and the {$2000.00} they are levying against me is null and void because I did not have my Chase card. XXXX I did not file the claim and XXXX I did not withdraw money from the account as I explained to Chase I live in XXXX not XXXX where this took place. Because Chase is a huge company that continually attempt to bully customers and I will not take that. They should be called to mat for this.
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 Account XXXX : XXXX has violated my rights. Or list of inquiries 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: Vehicle loan or lease

On XX/XX/XXXX, I took out a loan of {$30.00}, XXXX with Nissan Motor Corporation at the XXXX XXXX Nissan dealership. 

* I feel that I am the victim of predatory lending, for at the time of my purchase, I was desperate, an Elder and low income, with a desperate need for a car. 

*My Monthly income at the time was only, {$2500.00} gross. My car note is {$830.00} which is XXXX XXXX of my income. 

*I feel that I underwent aggressive marketing and sales deception and manipulation to convince me as the borrower, whereas I felt pressured to make a decision quickly on a loan with unfair terms. 

* I feel that this a serious form of undue influence, for the Sales- person and his Manager, knew that I could not afford to pay the loan and at the time. 

* I felt pressured to agree to make the unaffordable payments, for I was advised that if I paid for a year on time, I could come back and could get whatever I wanted with better terms. 

* When I returned after a year, I was told that they would not re-finance me and to go to elsewhere. How can I, when I am now upside down and have {$17000.00}, of negative equity. 

* One month ago, I explained to a Customer Service Rep, that I am not working the same amount of hours, that I was working when I obtained the loan last year. She then asked me if I had {$500.00}. I told her, No. She then extended me an extension and asked me if I could pay afterwards, I told her that I did not know. 

* In order to make the year of payments on time, I had to work extended hours very often, which affected by overall health. I am a XXXX survivor and the additional hours stressed me tremendously. 

* On XX/XX/XXXX I wrote Nissan Motor Finance Company a letter of my concerns and they, wrote me back on XX/XX/XXXX, advising me that my complaint solely concerns the dealer in regard to the alleged conduct in the sale of the vehicle. 

* I sincerely feel that Nissan Motor Corporation is also liable, for they accepted the terms that were outlined to them by the Dearlership, in which includes my debt to income ratio in regard to affordability. 
the debt to income ratio regarding affordability.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of 30-Day Late Payment from Credit Report, Account ending XXXX I am writing to you today to request your assistance in rectifying a recent discrepancy on my credit report. 

This card had a fraudulent charge on it from XX/XX/XXXX for a single transaction of {$2000.00} to XXXX XXXX. I was unaware there was a balance on the account until it reported past due. At which time I contacted Citi through the online chat to dispute the charge. I was told the dispute was submitted but the charge never came off my card and the late charge never removed. I reached out again through online chat and they said they never saw the original dispute and it was now too late to dispute the amount. I made a request to view the transcripts on the chat with the previous representative, but they were unable to provide that. 

The dispute has concluded in my favor and a new account has been issued. The 30-Day Late Payment from XX/XX/XXXX has been removed from my XXXX and XXXX Report but is still reporting on my XXXX Report.
Product: Checking or savings account

Someone who always responded to the cfpb through the United States Department of Treasury had never mentioned  XXXX  on the response letter which always showed some signs of forged power of attorney. Someone always claimed to be a senior corresponden t specialist. What a specialist? As a reminder, the answer to the complaint portal questionaire " Should we send status updates to anyone else about this complaint? '' is no. But I noticed that a diversion trick is in place which already disparaged the server to " Yes ''. I suspect foul play at the US senate intelligence committee or USDOJ or another intelligence agency which is rigging unidentified interest by evasion. And again., " I do not  think so ''.
Product: Debt collection

I was sued for a debt I did not owe. Went to court and the case was dismissed. Refer to attachment below.
Product: Debt collection

XXXX XXXX XXXX XXXX has attempted to collect a debt that is NOT mine. I have stated this to the company before in XXXX and XXXX. I received a " limited time offer to reduce debt '' from the company in XX/XX/XXXX. I called the number on the letter and let them know that the " Rewards XXXX Visa XXXX XXXX '' in the amount of {$530.00}, was NOT my account and that I have never had a rewards visa. I then received a letter from Commonwealth Financial Systems on behalf of XXXX XXXX XXXX XXXX to collect this same debt that I have never owned, on XX/XX/XXXX. I called this company and let them know that I have never owned this debt or a card from XXXX XXXX. The CSR proceeded to tell me, " Well it's your debt, they used your personal information and social in XXXX to open a card. '' I asked her what address they have of this so-called original debt, and she said " XXXX XXXX XXXX '', which I realized that this is either fake debt or someone else 's debt or that someone used my identity because I didn't live at my current address until XXXX, AND I never owned this account or credit card at all, and I keep all old credit cards, even those credit accounts that I have previously closed just because I am afraid of someone getting my personal identifying information from old accounts, etc.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$44000.00}
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute regarding the information currently appearing on my credit report. I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, and to demand the immediate deletion of all information you are furnishing and retaining without my express written consent, or a permissible purpose as defined within 15 USC 1681a ( d ) ( 1 ) or 15 USC 1681a ( XXXX ). 

I have reviewed my credit report and found that you are furnishing and retaining my personal information without any record of my authorization. I have never provided you with written consent to collect, furnish, or retain my personal information. Furthermore, there is no permissible purpose, as defined by 15 USC 1681a ( d ) ( 1 ) or 15 USC 1681a ( DM ), that would allow you to furnish or retain this information.

Specifically, I dispute all information related to : All Accounts Information.

15 U.S.C. 1681a defines " consumer report '' and outlines the permissible purposes for which a consumer reporting agency may furnish such reports. I assert that you are in violation of this section by furnishing and retaining my information without my explicit written consent or a permissible purpose under 15 USC 1681a ( d ) ( 1 ) or 15 USC 1681a ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding my XXXX XXXX XXXX XXXX XXXX Credit card ending in XXXX. I am a XXXX XXXX XXXX XXXX and have been a XXXX XXXX XXXX military banking customer for almost 20 years. I pay all of my bills of time and never had a late payment in 25 years of my credit history. I was unaware that I owed a charge of {$18.00} on this card. XXXX XXXX XXXX made no attempts to contact me. I previously tried to download the XXXX on my iphone numerous times but there was a continual error with the app. I was made aware that I owed this {$18.00} through a seperate credit monitoring service through XXXX. As soon as I learned that I owed this money, I called BOA and paid the {$18.00} and an additional {$1.00}. 

XXXX XXXX XXXX reported this late payment to the credit agencies and, as a result, my credit score dropped over 100 points from XXXX down to XXXX. I made numerous attempts to contact XXXX XXXX XXXX and was told they would not help me and would not offer a goodwill adjustment. I've worked hard to build my credit score pride myself in paying all bills on time. I believe that it was excessive to drop my credit score by over 100 points for a single late payment that I did not realize that I owed. I am also concerned that this negative report will hurt my career because I have a security clearance that must be renewed.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to 3 Credit bureau the date of the last letter was on XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means 3 credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED  XXXX* DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX  XXXX, XXXX XXXX, ( Original Creditor : XXXX XXXX ) XXXX and ( Original Creditor : XXXX XXXX XXXX XXXX.
Product: Debt collection

I recently checked my credit report and found that this company is attempting to collect over {$4000.00} from me. I do not recognize this company and have never signed any promissory note with them. I reached out to them and asked a series of questions I am permitted to ask under the authority of The Fair Debt Collections Practices Act. I received a response that did not answer any of the questions I had asked and in my opinion they could not properly verify the owed " debt. '' I asked for a copy of the original promissory note I signed with them, general ledger statement, etc. I did not receive these. 

I believe they have unlawfully purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 

I believe they are also in violation of the so-called forum selection clause. 

They are also trying to collect a non-transferable contract. 

Lastly, they could not verify that they are authorized to act on behalf of the states creditor. 

These were all questions that were asked in my original correspondence with the company and they responded without answering any of the questions from my original correspondence. I sent a second correspondence reiterating what I was asking for and have not received any response.
Product: Mortgage

I obtained a loan from HSBC in XXXX. I asked XXXX because of concerns about fraud prevalent at the time ) and HSBC rep told me that the loan is a government back loan and pointed to " XXXX XXXX '' in the Note he had me sign. Years later when I tried to modify my loan using the XXXX program I was told that the loan was not government back. That was a major setback for me with significant financial damage. I then tried loan modification with HSBC. After a year of run around, constantly asking for updated documents, misplacing documents, making arithmetic mistakes, underwriter mistake, etc., I was offered a slightly modified loan. I have had some questions about the new loan but HSBC has steadfastly refused to answer my questions, and instead send irrelevant letters, form letters, and conflicting notices. I filed a complaint to CFPB hoping that HSBC would act more responsibly and address my questions. It has not. The Letter it sent CFPB is devoid of any relevant information ; it answered none of my questions, and instead issued an ultimatum. I am writing to ask CFPB once again to induce HSBC to provide answers to the legitimate questions I have, and open an investigation of this and similar cases noting that HSBC has had a history of activities and consumer abuse for which it has been heavily fined by the regulators.
Product: Debt collection

IC systems Inc is trying to collect a debt for XXXX. This debt is not owed. Account was paid in full when closed. XXXX continued charging account after closure. Contacted XXXX, who agreed the account was overcharged. Bill was sent showing XXXX balance. Soon after XXXX  ( collection agency ) attempted to collect the XXXX debt. Disputed debt and it was removed from credit report by both XXXX and XXXX. Account was sent to a different agency and attempt was made to collect fictitious debt. Disputed again and both credit agencies again removed debt and put in place measures to keep XXXX from further attempts. Now IC systems ( collection agency ) is attempting once again to collect fictitious debt. XXXX investigated and apparently they think the debt is valid. Not sure how they came to this conclusion without contacting me. I have seen several reports of XXXX using this tactic to collect money from former customers, I suppose in hopes that people will give up and pay to avoid the repeated harassment by collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I filed a dispute on account number XXXX, XXXX XXXX XXXX XXXX for a collection of {$750.00} that opened up XX/XX/year> due to me not having any knowledge of this account and it not belonging to me. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting that this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.
Product: Student loan

I applied for a loan on Nelnet and was declined around XXXX XXXX I checked my credit report about a year later and I had two student loans from Nelnet. One was about {$4000.00} and the other was about {$2000.00}. I never received this money. I called Nelnet, they said they couldnt do anything. I tried talking to XXXX XXXX XXXX, there wasnt much they could do either. I tried logging into Nelnet to see if I had an account at the time. There was no record that I even got the money. I never received any emails, letters, nothing. It just appeared on my credit report. Please help me, it is ruining my credit.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ( Original Creditor : ) XXXX Balance : {$1500.00} ( Original Creditor : ) XXXX Balance : {$1500.00}