23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/2022 I filed a complaint via the CFPB portable against Nissan Motor, I included my name and address along with the issue I was facing. On XX/XX/2022 I got a response which I will attach stating the inability to respond to my request due to the information provided. I am unsure how they could not find my account. I had requested a copy of my original contract and along with the complete payment history for the duration of the loan. 
Here is my Social Security # XXXX so they have no excuse in not finding my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Student loan

All payments were applied to interest only. While in forbearance, deferment, and income based repayment plans, I was charged exorbitant amounts of interest. I have been disputing and speaking with this company for years. I always get one answer ... we have reviewed your account and find it valid. We have the ability to legally enforce this loan. 


The amount of interest I have paid along with interest capitalization exceeds the amount of the loan. I have been unemployed and underemployed for the past 10 years. I am XXXX years old and do not see my way out of this. 


I do not know where to turn at this point. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall be considered a follow-up to my filing of complaints dated XX/XX/XXXX, to dispute these erroneous items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX PA ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. XXXX Accounts # XXXX ( XXXX XXXX {$850.00}, XXXX XXXX XXXX$800.00}, XXXX XXXXXXXX {$700.00}, XXXX {$0.00} ) 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 the information is inaccurate. They are following the laws and I want these fraudulent accounts removed, I did not give these companies the right to furnish my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX inaccurately reported me late 30 days in XX/XX/XXXX on an account I asked to be closed XXXX and was paid off XXXX in XX/XX/XXXX. They continued to charge me monthly fees totaling {$44.00} and I was notified of these charges in XX/XX/XXXX ( I never received statements by mail or email regarding these charges XXXX. 

I contacted XX/XX/XXXX and they agreed to remove the 30 day late on my credit report and credit my account in full and close my account. I have asked all three credit reporting agencies - XX/XX/XXXX Trans Union and XX/XX/XXXX - to correct my credit report and after 30+ days this still has not happened. Ive provided documentation from the creditor stating they are removing the balance and 30-day mark, and contacted the creditor twice to make sure this is the information being passed on in my dispute. Completely frustrated at the mark on my credit which dropped my score in the middle of trying to purchase a home.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a of a rental/ leasing creditor account opened at The Phoenix Recovery Group XXXX XX/XX/XXXX, under the account number ( XXXX ), and an installment opened at XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The fraudulent inquiries are XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX under XXXX. Ive attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$85.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Subject : Request for Investigation and Removal of Collection Account due to Potential Identity Theft ( Equifax Security Breach ) Dear Equifax I am writing to formally dispute the collection account listed on my credit report under the account Diversified Adjustment, and XXXX. I believe this account may be fraudulent or the result of unauthorized activity linked to the Equifax security breach, which compromised my personal information. 

The breach, as widely reported in [ year of the XXXX ], exposed sensitive data, including Social Security numbers, dates of birth, and addresses. Due to this breach, I suspect that the collection account appearing on my credit report is either fraudulent or not authorized by me. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request the following : 1. A complete validation of the alleged debt, including documentation that proves the debt is mine and was authorized by me.

2. A prompt investigation into the accuracy of this account on my credit report.

3. The removal of the collection account from my credit report if it can not be verified or is found to be the result of identity theft. 

To assist with your investigation, I am enclosing the following : A copy of my government-issued ID. 
Proof of my current address ( e.g., utility bill or bank statement ). 
A copy of my credit report with the disputed account highlighted. 
Any additional documentation related to the Equifax breach, if available. 

Please respond to my request in writing within 30 days, as required by the FCRA. If the account can not be verified or is found to be fraudulent, I expect it to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please contact me if further information is required. 

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

I have names on my Experian credit report that are inaccurate. My name is XXXX XXXX XXXX and that is whart i wish for my credit report to show. Please delete all other names. My address is XXXX XXXX XXXX. This is the address I wish to have on my consumer credit report. The address XXXX XXXX XXXX XXXX XXXX XXXX is a NON-MAILABLE ADDRESS and I do not live there nor can I receive mail there. Please delete XXXX XXXX XXXX XXXX XXXXXXXX off of my consumer credit report. I do not wish for a phone number to be displayed on my report. I only wish for the last four numbers of my social security number to be shown, I wish for only XXXX to be shown as my date of birth on my consumer credit report. No employer should be showing on my report.
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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX BANK ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX A ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX has violated my rights . On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Debt collection

Foursight Capital is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft.

15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.

Foursight Capital has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Foursight Capital has furnished information associated my my social secutiy number which is a credit card pursuant to 15 U.S. Code 1602 ( l ). Foursight Capital has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan.
15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit as I always do because Im in the middle of purchasing a home I am a first time home buyer. When I check my credit I found out that my credit score have been lowered by XXXX points on all of the credit companies. I then reached out to the lender that I was working with and she explain to me how to handle it. I called the federal student loan company to tell what had happened he informed me that the federal student loan has a right to close my account and transfer it to someone else. I told him I understood that however the Fed student loan company did note it in my credit report. Neither did they note that when they closed my account that my account was in good standings and it was of no fault of me as the consumer that my federal student loan account was closed. Nor did I have anything to do with it, as a matter of fact I did not even know until I went to pay my monthly payment and it was rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # 's XXXX ; XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX CO ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXXXXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$82.00} ; XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$81.00} ; XXXX XXXX Balance : {$62.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report and there is a mixed file. They merged my credit report with my dad credit report. I wanted to separate it out.
Product: Credit card

American Express National Bank FDIC Cert # XXXX Main Office Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I found a previous CFPB complaint ( ID : XXXX ) from the database, which was received by the CFPB on XX/XX/XXXX. This complaint mirrors my current situation almost exactly. I used it as a reference to create my own complaint, and I have attached the documents that I have already sent to American Express. 
American Express ( regarding account # XXXX ) refused my remittance coupon that was properly endorsed in accordance with 31 CFR 328.5 & 328.6. As of today, I am allegedly still accumulating late fees and interest. I contacted their customer service and also had a conversation with a chat agent, during which I discussed at length my understanding of certain financial matters that have been hidden from the general public. Specifically, this pertains to the concept of unlimited credit and the fact that banks are not permitted to loan their own assets ( 12 USC 1431, 12 U.S. Code 83, 12 U.S. Code 412 ), while the U.S. Treasury is obligated to make payments on public debt ( 31 USC 3123, 18 U.S. Code 8 ). 
Our debts have already been paid through our Cestui Que Vie trusts, Ens Legis, and/or Estate, and the banks have already received payment for those obligations. Yet, they continue to demand that we pay from our cash accounts, which amounts to " double-dipping. '' They label this as a " gift, '' but in reality, it keeps people financially burdened, living paycheck to paycheck, while enriching the banks. Large corporate banks are well aware of this system, although many of their employees are not. There is no longer a gold-backed dollar ; HJR 192 of 1933 eliminated the ability to fully pay debts, allowing only for their discharge. 
Because this act of accepting payment twice for the same bill was never disclosed, I believe that their contract is null and void under 15 USC 1692c ( c ). People are becoming increasingly aware of this fraudulent system. It is even documented on the IRS website under 21.1.7.9.17 Unacceptable Payments and 21.1.7.9.22 Bill of Exchange. The remittance transfer coupons are supposed to be sent to the following address : Department of the Treasury Office of Executive Secretary XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for one and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.
Product: Debt collection

I requested the law firm identify if they are a credit agency or a law firm. The law firm has threated to sue me in court and garnish my wages which is a direct violation of the Fair credit reporting act.
Product: Vehicle loan or lease

Earlier this year, I purchased the following vehicle from XXXX XXXX XXXX in XXXX, Pennsylvania : XXXX XXXX XXXX I was financed through TD Auto Finance ( Account # XXXX ) which included the extended warranty fee. 

I traded this particular car at the end of XX/XX/2023. I canceled the extended warranty and the warranty company sent the check to TD Auto, which resulted in an overpayment. 

I contacted TD Auto Finance several times and requested that they refund my money. I have been given several dates that the check was supposed to be released and I still haven't received my money. 

I am seeking my refund in the amount of {$2500.00} ASAP.
Product: Credit card or prepaid card

I never opened this card, it was fraud, along with another XXXX. This is the only card I have contacted numerous times I called them and they have had excuses but it has never been deleted as promised. In XXXX I believe I spoke to XXXX, he took the initial report and said it'd be fixed right away. Nothing was fixed, so I filed with XXXX, twice and they still didn't fix it. I called back again in XXXX and spoke to a XXXX again in the fraud department, who stated that it had been marked wrong and that he would fix it and it would be deleted, I also spoke with a supervisor named XXXX who also promised it was corrected. Today I got a call from them first time since XXXX, to tell me I was behind in payments, I told her the story again and they switched me over again to the fraud department, who NEVER answers when you call them, I was on hold for over XXXX minutes and no answer. I have been fighting them to delete this for well over 9 months now and they haven't fixed it still!! It is still on my credit report and I never opened this card. 

Comenity Bank Ulta XXXX XXXX
Product: Checking or savings account

I have a pending complaint against Fifth Third Bank, complaint XXXX. On Friday evening, XX/XX/2019, I attempted a transaction on my debit card. The card was denied. I tried again, the card was denied. I had nearly {$7000.00} in the bank. I called the bank, I was transferred three times and spent over two hours on the call. After two hours and seven minutes, I was connected to the dispute department at which time I learned via the representative that my bank account had been frozen due to the claim I filed for reimbursement of fraudulent activity. The bank refused an explanation as to why our account was frozen and would not explain to me why they had placed over a negative $ 16K fee/balance on my account. The fraud department supervisor ( XXXX ) would only transfer me to the fraud investigator 's voice mail ( XXXX ) something the bank previously stated was against bank policy. I filed a police report on the fraud and an officer has made an attempt to provide images of the thief ( s ) that corresponds to transaction receipts on my account. However, Fifth Third declined the images. Fraud has been proven. 

I received no notification that my account was being frozen. My account was frozen during late afternoon/early evening on a Friday afternoon, ensuring we would not have access to our funds during the weekend. We have no ability to access our funds in order to purchase fuel for our car or groceries for our family. This is an effort to intimidate and cause financial hardship on our family. The bank is engaging in predatory and retaliatory business practices and attempting to make us absorb the fraudulent activity we experienced through their bank.