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

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

XXXX XXXX - Account XXXX My parent has the same name as me. 

XXXX  - Account XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX  - Account XXXX Please supply information on how you have verified this item. 

XXXX  - Account XXXX : XXXX Please Update all payments, all pay was made on time. 

XXXX - Account XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX XXXX XXXX - Account XXXX i don't recall having late-payment on this account
Product: Bank account or service

I overdrafted my account at the ATM in order to pay a bill but immediately deposited cash back into the ATM in order to bring my account back over XXXX dollars in positive balance. SunTrust 's policy is to waive overdraft fees if they are covered in the same day. The next morning I woke up to see that SunTrust had charged me XXXX dollars in overdraft fees in order to bring my account overdrafted again. As I already deposited all my cash into the ATM, I ca n't do anything to bring the account back into the positive. When I called and talked to multiple supervisors and managers, they said they would lower the fee by XXXX dollars as a once-per-year courtesy but they could n't do anything else. They said if I deposited money into the ATM literally " minutes '' earlier I would have been charged nothing. I find this to be extremely predatory and a trap to keep me in debt so that they can keep racking up their exorbitant overdraft fees. As a new customer who recently joined SunTrust and linked my direct deposits with their bank account, I feel I have been treated deceptively and dishonestly.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has infringed upon my right to privacy as a consumer. This is my second attempt to rectify this matter.LexisNexis also defaulted by not responding to my affidavit. I have attached it again. I have attached my social and proof of my address. LexisNexis is in violation of the following sections of 15 usc 1681 : 1. 15 usc 1681 ( a ) ( 4 ) 2. 15 usc 1681b. ( a ) ( 2 ) I am invoking my specified remedy as a consumer. I am demanding that this info be removed from my consumer report, and that LexisNexis remove this from every agency they furnished this to.
Product: Debt collection

You are reporting this information in the credit that is not mine. I ask that this be removed from your records and credit. 
XXXX XXXX ACCOUNT NUMBER : XXXX MIDLAND FUNDING ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX THIS ACCOUNT WAS REPORTED IN ERROR IN MY CREDIT REPORT. Please corroborate and fix instantly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Synchrony Bank ( Amazon Store Card ) department and informed them that I have since settled the account with their third party debt collector XXXX XXXX XXXX XXXX Synchrony refused to take the paid receipt attached to this complaint and has yet to remove/update the account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.
Product: Student loan

I have been employed at a XXXX since XX/XX/XXXX and have made monthly payments that I was told qualified me for PSLF. I transferred my student loans from XXXX to fed loan serving in XX/XX/XXXX and submitted the paperwork to be considered for PSLF. In XX/XX/XXXX I received a letter informing me that I could expect notification regarding the number of qualifying payments. I have received nothing since then. I have called and learned that my information is pending and there is no way to anticipate the timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all outdated addresses from my credit report and to ensure that my current address, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NV XXXX, is the only address listed on my file. Previously, I submitted a request to update my address ; however, I was informed that the proof of identity I provided was not acceptable. I am submitting my request with the necessary documentation to verify my identity and current address. Enclosed, you will find the following documents to assist with verifying my identity : 1. A copy of my government-issued ID ( passport ) displaying my name and current address.

2. A copy of a recent utility bill showing my current address.

Please remove all outdated or incorrect addresses from my credit report as they are not valid. Having inaccurate addresses on my credit report poses a risk of confusion and could potentially impact the accuracy of my credit history.
Product: Mortgage

Guaranteed Rate denied a loan application to finance the purchase of a condo unit. 

The denial letter stated XXXX reasons for denial without giving any more details : A. Inadequate Collateral Unacceptable Property B. Inadequate Collateral Insufficient Data - Property The denial letter did not provide any LOX or options for reconsideration. 

Guaranteed Rate stated in an email that the property appraised at the purchase price. How can the collateral be inadequate when the condo unit has already appraised for the purchase price? 

When probed further, Guaranteed Rate stated they required the insurer of the condo building 's master insurance policy to provide their Replacement Cost Calculator. The insurer pointed out that the loan is for the purchase of one unit in the building. The building does have master insurance policy and it was provided to the lender. 
Can a lender require the association 's insurer to provide Replacement Cost Calculator as a precondition to approve the loan?
Product: Credit reporting or other personal consumer reports

I have contact this company over the past year 7 times to request my credit report and they keep advising me that they are going to send it but I never received it.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 states that a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open en consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Checking or savings account

On XX/XX/2021, I made a deposit of {$560.00} by check, and {$100.00} by cash, almost immediately my account had been terminated with no warning, I now have no access to my bank account, or money, this has put me in a bad place financially to where I can not pay my bills. Suntrust/truist bank has been nothing but issues, but now I am even considering small claims court in order to get compensation for my account balance.
Product: Checking or savings account

I received a call from banker demanding where my deposits are coming from which is really non of his business! I received unemployment long after my job was savatoged. I was making withdrawals from US Bank making deposits and paying bills and credit cards that where also savatoged! Two deposits one for {$300.00} and one for {$800.00} that money was given to me by drug dealer who has my truck also a fictitious loan! I have made police reports etc and nothing has been done just retaliation on me from police, judges etc! I was informed my account had been closed with no notice or legitimate reasons why! I have not reported any fraud nor has any fraud occurred on my account! XXXX XXXX took it upon himself to close my account! I have identity theft occurring also police report and case number and I am now being forced into homelessness from judge XXXX who has let perpetrators steal my belongings, denied protection orders everyone filed and is throwing me out of my home with a non binding contract! My lease does not have my address where Im currently residing matches with identity theft like I did not even live at my address judge said lease does not matter bc I lived there! So did 7 other people that where savaging me and my life! I have recordings, documentation etc. credit cards closing accounts, bank accounts, charging me all fees etc! Lots of fraud going on! I pray for help and justice with this matter! I do receive threats etc! I am not suicidal nor am I on drugs etc! I work and go home! I made XXXX last year and XXXX year before! I was fired from my job XX/XX/year>! Received unemployment of {$230.00} per week off what I made which makes no sense and was made to wait month and half to receive benefits destroying my credit I worked so hard for 2 years to re establish! I get denied for any and all public assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX Jefferson Capital System, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : Jefferson Capital System Account Number : XXXX Debt Collectors Account Number : XXXX Dear XXXXefferson Capital System, I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. 



Sincerely, XXXX XXXX XXXX XXXX Email : XXXX SSN : XXXX DOB : XX/XX/XXXX cc : Consumer Financial Protection Bureau via fax XXXX
Product: Credit reporting or other personal consumer reports

All reference credit reporting agencies are illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have these accounts Investigated. The account numbers are : 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 By law XXXX  XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Student loan

I have tried to get in touch with ACS Education Services who is nolonger open. Prior to them closing my loan was supposed to be consolidated with my other loans- instead it has been bounced to one debt collecting company after another. I constantly get letters from other debt collectors stating that they know have the loan. The original loan amount was XXXX in 2006  and now its XXXX. This was also included in my bankruptcy XXXX was being paid for the last 5 yrs. What can I do to get this remedied?
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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries XXXX XXXX XXXXXXXX XX/XX/XXXX I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without Prejudice,
Product: Credit reporting, credit repair services, or other personal consumer reports

I did purchase a car in XX/XX/2014, as a Creditor/Entitlement Holder/Registered Owner, I did did send them a Conditional Acceptance upon Proofs of Claim to XXXX XXXX XXXX XXXX, giving them 30 days to submit their claim/validating the alleged debt, they never did. I did issue an Affidavit of Notice of Default, right after that, they stop sending statement. Further more I did send them an Optional Form 91 to release the property from escrow, they never reported the account properly, instead they have it listed as a charge off on all 3 credit bureaus. XXXX XXXX XXXX XXXX did also receive a bill of exchange in the amount of {$40000.00} and, they never correct the reporting nor try to repossess the car.
Product: Checking or savings account

Dear Navy Federal Credit Union, I hope this message finds you well. I am writing to request a refund of {$310.00} that was charged to my checking account yesterday. As a dedicated member of your institution, I have always trusted in your commitment to providing exceptional service. 

Unfortunately, I recently experienced some unexpected and difficult circumstances related to my father 's health. As a result, I was not aware that the assistance I received would come at a cost, and I can not afford the additional fee at this time. I am barely able to stay afloat financially, as I am constantly traveling back and forth to the hospital and trying to provide for my XXXX young boys. 

I am deeply saddened by the way I was treated over the phone by supervisor XXXX and XXXX. They were not understanding of my situation and made me feel humiliated for asking for help. I understand that mistakes can happen, and I am hoping that you can find it in your hearts to assist me during this difficult time. 

I appreciate your understanding and look forward to resolving this situation as soon as possible. 

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

I am writing as a requisite to validate the information regarding specific items in my credit report in line with the FCRAs section 609. You are required by federal law to verify any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX SUN XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to confirm that these issuers obtained my information according to the law by requesting that they avail the sources of information to me. 
This set of information should include the identity of the person who made the request, my original contract and agreement and any other supporting documentation. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts That said, if youre unable to verify this information, please delete the items from my credit report since their accuracy can not be validated.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on XXXX Credit Report Dear XXXX XXXX XXXX to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX, L Account Number : XXXX Amount : {$890.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I was provided an explanation of a variety of issues related to my mortgage servicer, Ocwen dated XX/XX/XXXX ( attached as exhibit A ). Page 3 of 4 reads in pertinent part : " ... we ( ocwen ) have updated our records to reflect the correct status for the account from XX/XX/XXXX through current. This correction was submitted to the credit bureaus on XX/XX/XXXX via an Automated Universal Data form ( AUD ), control number XXXX. '' ( emphasis added ). 

However, my current credit report reflects that as a result of Ocwen 's reporting, it has decreased my credit report 60 basis points ( attached as exhibit B ). 

As an aside, I did not make my XX/XX/XXXX and XX/XX/XXXX payments timely. Nonetheless, what has been reported is not correct.