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

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had applied for a home loan and found out there was a default judgement issued against me back in 2010 from XXXX XXXX XXXX.When I called the court I was told where they posted my court notice and I did not even live at that address which I can prove. The company is now out of business so I can not take court action against them for this.
Product: Debt collection

Columbia Debt Recovery XXXX, dba Genesis, initially contacted me via email on XX/XX/2023, asserting a debt owed to XXXX  XXXX in the amount of {$450.00} as of XX/XX/2023. On XX/XX/2023, I formally requested documentation pertaining to the validity and basis of the debt, authorization for interest/fees, and proof of their authority to collect. Their response on XX/XX/2023 was an unclear account statement, missing the requested information. 

Despite my follow-up on XX/XX/2023 reiterating the need for missing information, they did not respond back. On XX/XX/2023, they sent another debt notice resembling their initial XX/XX/2023 email. My subsequent communication on XX/XX/2023 reiterated their failure to provide the essential information. 

In their most recent email dated XX/XX/2023, they claimed my account is considered past due, and has been place in collections on XX/XX/2023. However, they still have not responded to my requests for data, and their inconsistent communication, now with different dates, complicates my ability to address this matter appropriately.
Product: Credit reporting or other personal consumer reports

This communication is in reference to my LexisNexis Consumer Disclosure Report dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The item in dispute is the Inaccurate Business Association Record that LexisNexis is reporting on my LexisNexis Consumer Disclosure Report.

This is my fifth notice to LexisNexis regarding the Inaccurate Business Association Record that is being reported on my LexisNexis Consumer Disclosure Report. This information is inaccurate because I am NOT associated with the Business Association Record that LexisNexis is reporting. Additionally, LexisNexis has previously reinvestigated the inaccurate Business Association Record and determined it to be UNVERIFIABLE. 

Since the inaccurate Business Association Record has been previously investigated by LexisNexis and was determined to be UNVERIFIABLE, there is no need to initiate a reinvestigation. Based upon LexisNexis ' previous reinvestigation, I kindly request that this inaccurate Business Association Record be promptly and permanently removed from my LexisNexis Consumer Disclosure Report.
Product: Debt collection

I owed a car loan debt with XXXX XXXX XXXX and I didnt know they sold the debt to javitch block & rathbone llp, The way I found out was through my bank because I have been trying to pay my rent and everyday necessities and My bank told me that ones that froze my bank was XXXX law firm a court appointed receiver. Javitch block now this people claim I owe them but the debt is not with them I dont owe anything to javitch block and XXXX XXXX. I did not get any paper work saying they are suing me or any type of notification they have violated my rights. I want this matter to be disputable and corrected.I never sued with proper documents or proper service.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item Thank You
Product: Credit reporting or other personal consumer reports

Experian has have many breaches my information has been leaked from site and Information has been changed on my consumer profile Experian refuses to change information. Experian is using my name and wrong information such as birthday and accounts I havent had or opened. I would like to hold them accountable im not able to extend credit for my house and insurance. Experian Has wrong date of birth and furnish accounts on my consumer account with out provided permissible cause or reason to furnish my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

* I understand Experian is not a bureau nor are they backed by any government agency. I am aware that Experian in fact consumer reporting agencies have assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances I am aware of pursuit to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As A Third party agency Experian must comply with my written instructions. I have given them my written consent to remove multiple fraudulent and misinformed XXXX from my consumer report! Experian has continued to update my report with no proof of proper verification. Also the accounts are exactly the same! I will be contacting the attorney general in regards to the matter as well. There is no way a proper investigation was done within a 5 day time period to receive these results!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$22000.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The vehicle had numerous issues from the day I purchased it. I tried working with the dealership to replace the vehicle and they refused to help me. It continued with various noises that none of the mechanics could identify within the transmission. I new transmission was put into the vehicle because I had the extended warranty however, even after doing this the vehicle continued to have problems. The dealership wanted to put another transmission into the vehicle. They were not confident that even doing this, would fix the problem. I called the bank and explained the issues I was running into and told them to come and get the vehicle because I was not going to make another payment on a vehicle that spent more time in the service department continually trying to be fixed. This would end up costing me more than what I was going to spend on the vehicle. ( I have attached documentation and service records of the numerous repairs from XXXX XXXX XXXX and XXXX XXXX XXXX which is the last dealership that was working on the vehicle with the extended warranty. ) This account needs to report a {$0.00} balance. There is no outstanding balance due. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have  contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

In XXXX, I contacted Cash App about XXXX unauthorised transactions made on my account all to a merchant called XXXXXXXX XXXX XXXX  ' - most of these transactions occured within minutes of each other. 

Cash app asked me for all the transaction details for each of the XXXX transactions and I confirmed they were all unauthorised. Cash app initially did not refund any of the transactions. I subsequently lodged a complaint at the end XXXX and they refunded XXXX of the transactions. Since then I have been trying to obtain details from Cash app as to why they refunded only XXXX of the transactions and not all of the transactions. They indicated I approved the transactions for which I asked for evidence of this which they provided a email which simply said I approved them without details of how they came to this conclusion. I recently complained again and they asked for the same details again and then replied to say that they would escalate it and I would get a email response. They still didn't provide the rationale that I was seeking as to why XXXX transactions were refunded but not the others- noting they were all to the same merchant eg XXXX XXXX XXXX and were all unathorised. 

They simply replied with information on the transactions but no explanation. When I questioned this there response was that they have closed the case due to me not responding and they consider the matter finalised. 

I am seeking compensation for the other XXXX transactions. 

It makes no sense as to why the distinguished between the transactions and also given the way this fraud occured on my account I would have expected that Cash App systems would recognise multiple transaction in a short period are likely to be a fraud similar to processes banks have in place
Product: Student loan

Good Afternoon, I need information on how to get my private loan expunged after attending XXXX XXXX in XXXX, AZ, from XXXX. This school did not explain the gravity of a private loan ; nor did it offer any assistance in job placement to graduates, as promised during orientation, in various brochures, and tv commercials. Ive been told time and time again I am unable to qualify for any form of tuition forgiveness because my loan is not federal. I have tried long enough to pay off this exorbitant loan offered by this fraudulent college. It has become extremely difficult to support my family with the high interest rate and monthly payment amount of this private loan. How lengthy or difficult the process will be is irrelevant to me- I just need some direction on how to be rid of this ever growing issue. I appreciate your time in reading this correspondence and any guidance you suggest. 

Best Regards, XXXX XXXX
Product: Student loan

I sent the following email to my loan servicer Navient. I just found out about alleged money old, so I don't have all documentation yet. The problem that I'm having is that I typically did all my correspondence online, payments, etc. I have no hard copy documentation of corresepondence, only what the navient website itself is reporting. The email reads as follows ( date sent XX/XX/XXXX ) : While inquiring on a loan from XXXX XXXX I discovered that there is an alleged unpaid loan serviced through navient that has been sitting there collecting interests for years. The loan is from XXXX. I had originally enrolled in an automatic payment program that drafted my account every month for this loan. I thought that the loan was paid off. I haven't received a bill or letter or any compliance from the Navient company since XXXX. I spoke to a Navient representative on the phone after my recent discovery of this unpaid loan. She stated that the loan was automatically put into deferment. I informed her that I never requested a deferment nor was I informed of any deferment on this loan. I started XXXX XXXX in XXXX and she stated that the loan must've automatically went into deferment. This information was never provided nor sent to me in any type a letter, email, bird, nothing. I used my credentials to log into this account ( after speaking to the service representative 2 weeks ago ). Low and behold, I find false documentation of alleged correspondence that was said to be mailed to my home -- dating back to XX/XX/XXXX. These documents were NEVER mailed nor emailed to me as falsely documented online. I need to speak with a supervisor or manager on this matter. I do not feel I should be held responsible for a loan that was secretly put into deferment for years to collect interest unbeknownst to me. I feel this was a ploy to gain interest and money and the expense of hard working students. The loan is now at a balance that is more than the original amount borrowed. Someone needs to contact me asap!. I can be reached by phone at ( XXXX ) XXXX or email at XXXX. Also, please send paper copy account audit info to my address below. 

XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX
Product: Credit reporting

Both XXXX and Equifax have my current address listed at I place I have not lived at for over a year. I discovered this after being rejected for a credit card because they could not verify my address. I put in an online dispute form with Equifax & it says it will take a month to resolve, despite uploading a pay stub showing what my current address is. 
Also, why is XXXX allow to charge me {$10.00} to temporarily lift a credit freeze???? 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : 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: Debt collection

I didn't authorize this company to have my information nor, did I authorize this account. This account was placed on my credit from a fraudulent account that I didn't authorize and I demand that it's removed.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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.

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 card or prepaid card

I have not been receiving rewards certificates for my best buy ( citibank credit card. ) I received a {$5.00} certificate that was reissued yesterday. I called their customer service number to find out what was going on. I have {$50.00} worth of reward certificates on my account, but their computer system says they were sent out so they can not be re-issued. I have checked every email account and can not find record of any emails with the reward certificates. I did find one for {$20.00} in XX/XX/XXXX.

I spoke with one gentleman before asking to speak to his supervisor ( who did not know what a supervisor was ). I spoke with XXXX ( Case ID XXXX ) today XX/XX/XXXX the entire call was from XXXX to XXXX XXXX ( CST ). I was told it was recorded.

No matter what question I asked, I was given a scripted response.

What is the point of having a rewards program when I can't used rewards points I was earning. I was specifically using my credit card to earn certificates to purchase a computer with Best Buy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Debt collection

Resurgent Capital Services, L.P is reporting XXXX collections on my XXXX report only, i already opened a case with XXXX also. 

here is info XXXX/XXXX XXXX XXXX XXXX i request this company delete these accounts off my credit and fix this mistake.
Product: Debt collection

The Company states i owe credit card balance from a Credit Card I DID NOT apply for. I report this as Identity Theft. The Company was asked to send me proof of my signature of the application and did not send any information to support the accusations.
Product: Credit reporting or other personal consumer reports

ATTN : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX. Re : XXXX XXXX. Account # XXXX Notice to Cease & Desist To Whom It May Concern : Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law. If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission. Thank you for your attention regarding this matter. Sincerely, XXXX XXXX XXXX.