23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

None of the boxes exactly match what is going on. Weberolcese garnished everything from my checking and savings accounts on XX/XX/XXXX of 2024. They will not lower the account the amount they took ( {$610.00} ) and have denied my disputes twice with XXXX. I called my bank and verified they were the ones that took it but they ( the bank ) will not give me a print out showing they took it. Emptying my accounts caused me overdrafts, I did not get a letter stating they were taking it before hand. I called them and they said they had no record of the money being received and to call back in a couple weeks, it's now been 5 weeks, all of my XXXX money is gone, I had to borrow to pay the overdrafts ... and my collection account isn't even being credited. I think they whole account should be dismissed at this point personally for the lack of the amount taken even being taken off and for the distress it is causing week after week trying to get it cleared up.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

AMERICAN ACCOUNTS AD XXXX Balance {$880.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint regarding the handling of my credit report by XXXX, XXXX, and Experian. Despite multiple attempts to resolve inaccuracies on my credit report, the reporting agency has failed to address my concerns adequately, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i.

Violation of FCRA 15 U.S.C. 1681i : My letters, which were written using accessible software available to everyone, have been disregarded. If the agency chooses not to process or address these letters, they are violating the law. The assumption that assistance from a third party may be available does not justify delaying the processing of consumer letters. No Power of Attorney is required to address my concerns.

Failure to Dispute Inaccurate Information : According to FCRA Section 611 ( 15 U.S.C. 1681i ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any incorrect information on my credit report. The allegations of delinquency and derogatory information against me are entirely false. These claims fail to comply with basic reporting standards and do not meet federal or state requirements for reporting. 

Request for Permissible Purpose Evidence : I demand proof of a permissible purpose for the inquiry or account within my report. The lack of such proof indicates that the agency has not fulfilled its responsibilities adequately. 

Impact of XXXX XXXX XXXX : My information was impacted by the XXXX data breach, leading to multiple fraudulent items appearing on my credit report. I did not authorize the sharing of my non-public information, and the reporting of this information is not fair and equitable as per 15 U.S.C. 1681 Section 602A.

Specific Violations Include : 15 U.S.C. 1681 Section 602A : Right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse items of information older than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibition of furnishing inaccurate information knowingly or with reasonable cause to believe the information is inaccurate. 

I am granting a 30-day period from the date of delivery of this letter to rectify the situation. I request tangible evidence of the actions taken and an updated copy of my credit report. If the allegations are indeed false, I expect them to be promptly removed from my credit report. 

Please see the attached letter for the details of my dispute. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not apply for a XXXX XXXX loan.Did not give this company permission to pull my credit
Product: Student loan

XXXX is reporting XXXX accounts with XXXX missed payments. Accounts are dated 2006 and should be deleted since they are over 7 years old.
Product: Debt collection

I had maid 3 payments to settle the debt with the company, and the remaining balance they said they would let go is still on my credit report, I have called once and reported it, and they have n't taken it off still.
Product: Debt collection

I am writing to express my dissatisfaction with the inaccurate reporting of the following accounts on my credit report. I expect prompt action to hold the banks accountable for their commitment to remove these accounts after a thorough review. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle transaction that didnt give me a warning on the correct person
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today andaccording to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/blockany items or information not later than 4 business days. Ive already included this in myprevious Complaint & I am including it again., XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/year>2018 Reference # : XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/year>2018 Reference # : XXXX
Product: Debt collection

I received a notification from my employer on XX/XX/XXXX advising of garnishment based on a notification from XXXX XXXX XXXX ( XXXX XXXX XXXX ordered by one of the courts in Virginia. I relocated from the state in XXXX of that year and was unaware of this. This was a civil suit auto loan company where I returned the used vehicle in XXXX after spending more than approximately {$10000.00} in multiple repairs. It was a lemon, and it was not sustainable for my family and me to constantly pay someone to repair the vehicle. I needed something dependable and cost-effective. The garnishment comprised 30 % of my income. I am the sole provider and was also at that time. I was unable to pay my bills with limited income and was at risk of not paying my rent, utilities, etc. Additionally, I tried contacting the company numbers provided in the letter. I was advised by XXXX to contact the law firm. I called and left a couple of messages with the law firm but did not receive any returned phone calls. The garnishment continued until XX/XX/XXXX. 

Unfortunately, I received another court document by mail in late XXXX for XX/XX/XXXX, followed by an email the next week. The garnishment letter noted an effective date of XX/XX/XXXX with 25 % garnishment of my income for the same auto loan company for approximately an additional $ XXXX. The total amount to be awarded is nearly {$40000.00}, which is significantly greater than was owed in XXXX. This second garnishment puts me at risk of not being able to pay for housing, utilities, prescriptions, etc. I never received any communication from the auto loan before all of this. I have been living in another state for XXXX year. I need help and have attached documents per instructions.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance XXXX : {$0.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to each credit bureau XXXX, XXXX and a Transunion regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX Bank was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXX Bank back in 2021 they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXX Bank had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXX Bank to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXX Bank should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXX Bank, XXXX, Transunion and XXXX liable for punitive charges. Also, I would like for XXXX XXXX Bank to provide me with the agreement stating I have them permission to share my personal information with Transunion, XXXX and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2022 I received a noticed from my bank that there was a pull from my checking account from PayPal for {$0.00}. On investigation, there was a charge from PayPal from a reoccurring basis from XXXX for 4 separate requests. I deleted all 4 on the PayPal website, but I did not authorize any of these activities as I have ( other than email ) no existing relationship with XXXX. I reported this to PayPal, and requested to immediately close the account and was told that they couldn't do that as they were researching the charge in question and was still waiting to receive payment from my bank account for the charge. I received a reply that they did the research and it was NOT an unauthorized charge and was consistent with my recent activity, but that is impossible as I have never had any activity with that company, and nothing anywhere near that dollar amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SO DAM TIRED OF THIS BACK AND FORTH BETWEEN EXPERIAN AND THEM PERFORMING BUSINESS MISCONDUCT AGAINST THE UNITED STATES CONGRESS AND ITS LAWS UNDER THE FCRA. CONGRESS DEMANDS THE ELABORATE MECHANISM WHO IS EXPERIAN TO EXCLUDE! TRANSACTIONAL ACCOUNTS UNDER 15 USC 1681a ( 1 ) ( 2 ) AND EXPERIAN WILLFULLY PERFORMS AGAINST CONGRESS AND HAS NOT REMOVED THE ACCOUNTS REQUESTED AS DEMANDED BY CONGRESS. EXPERIAN IS IN CONTRACTUAL BREACH OF THE METRO 2 COMPLIANCE AGREEMNET 2-1 page 18 WHICH CLEARLY STATES " Automated Data Accepted by all consumer reporting agencies, the Metro 2 Format enables the reporting of accurate, complete and timely credit information. Meets all requirements of the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. '' THIS REQUIREMENT UNDER METRO 2 COMPLIANCE INCLUDES 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS!!!!!! EXPERIAN IS IN FEDERAL VIOLATION ND METRO 2 COMPLIANCE VIOLATION FOR WILLFULL NEGLECTION OF GRAVE DUTIES
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I have purchased a Mercedes vehicle and the finance company was Mercedes Financial Services. As of my last payment which was in XXXX of XXXX I never had any single late payments on my account. In XXXX of XXXX I decided to pay off my vehicle loan. Suddenly I have noticed that my credit score has dropped because Mercedes Financial has reported a repossession to the credit bureaus. I have contacted the bureaus and also Mercedes Financial but they could not fixed that error. Now Mercedes Financial Services informed me that it is an error but they can not fix it because the account is already closed. My credit scores came down for XXXX XXXX. My credit scores are suffering because of their error reporting and I am in a middle of purchasing a property. I have attached copy of my identification document and copy of the letter from Mercedes Financial Services about my last payment.
Product: Credit reporting or other personal consumer reports

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have noticed unauthorized transactions listed on my consumer report. I would like to have these inquires removed because they are inaccurate reporting and are affecting me and my personal reputation. Here are a list of companies and dates of unauthorized hard inquiries that are on my consumer report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We asked for a payoff letter from the company. This is not our first complaint as it took multiple times. Then when we did receive it only had one address and the loan is for two properties. When we asked for the Payoff Letter to include both properties we went round and round. Finally, they said they'd split the amount and send two loan payoffs instead of sending just the same one for both properties. When we received the separate loan payoffs they added XXXX XXXX added the principal amount of {$17000.00} to one house and {$18000.00} to the other house. Now, mind you the total amount of the loan owed was {$160000.00} +/-. So you can see how criminal this matter is. I just want to close out this loan and be done with this company 's XXXX and attempt at XXXX. There is no prepayment penalty left as this loan had a XXXX XXXX pre-payment and we are in year XXXX going on year XXXX
Product: Credit reporting or other personal consumer reports

I have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB CARD has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card

Subject : Request for Removal of Closed Accounts from My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of certain closed accounts on my credit report that I believe should be removed under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b. Below are the details of the accounts that I am requesting be removed : 1. SELF FINANCIAL/XXXX  - Opened : XX/XX/XXXX, Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Opened : XX/XX/XXXX, Closed XXXX. XXXX  - Opened : XX/XX/XXXX, Closed : XX/XX/XXXX XXXX. SELF/XXXX XXXX XXXX Opened : XX/XX/XXXX, Closed : XX/XX/XXXX I request that these accounts be removed because : - They are no longer active and fully paid off. 
- Keeping them on my credit report does not provide current or relevant credit information. 
- They may be negatively affecting my creditworthiness, despite being closed in good standing. 
Under 15 U.S.C. 1681b, credit reporting agencies must ensure that only accurate, relevant, and necessary information is included in consumer reports. Since these accounts are no longer active and are not providing any beneficial reporting, I kindly request that they be deleted from my creditreport.

Please complete this investigation within 30 days, as required by the FCRA. If these accounts are not removed, I request a written explanation detailing the reason for their continued inclusion. 
I have attached a copy of my identification and proof of address for verification purposes. Please confirm receipt of this request and notify me once these accounts have been deleted. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo froze my account for security reasons amd won't unfreeze it
Product: Student loan

Dear XXXX/Mohela, I am writing to formally request the discharge of my private student loans associated with my attendance at The XXXX XXXX XXXX XXXX XXXX XXXX to XXXX. During this time, I was compelled to take out private loans based on misleading information provided by the school, which promised career prospects and financial outcomes that were never realized. As you may be aware, The XXXX XXXX engaged in widespread deceptive practices, which have been acknowledged by the U.S. Department of Education. In XX/XX/XXXX, the department approved over {$6.00} XXXX in student loan forgiveness for students who attended the institution between XXXX and XXXX due to proven misconduct. My federal student loans have already been XXXX under the XXXX XXXX program. However, despite this recognition, my application for the discharge of private student loans was denied by XXXX, citing ineligibility. I would like to highlight the following key developments that support my request : XXXX. Congressional Inquiry : In XX/XX/XXXX, XXXX XXXX XXXX, alongside other lawmakers, sent a letter to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) urging them to investigate XXXX 's practices. The letter detailed concerns that XXXX 's process for handling school misconduct discharge applications is flawed and improperly denies relief to borrowers affected by predatory institutions, including The XXXX XXXX. XXXX. CFPB XXXX XXXX XXXX : In XX/XX/XXXX, the CFPB announced a proposed order permanently banning XXXX from federal student loan servicing due to years of failures and misconduct, requiring the company to pay {$120.00} XXXX, including {$100.00} XXXX in redress for harmed borrowers. XXXX. XXXX XXXX 's Findings : A XX/XX/XXXX press release revealed that XXXX 's process for determining eligibility for school misconduct discharges unnecessarily burdens borrowers and results in an 80 % denial rate. Lawmakers have called for immediate reforms. Given the closure of The XXXX XXXX XXXX XXXX, I do not have access to financial statements or records. However, my federal loan discharge and detailed statement should provide sufficient evidence of the harm caused by the institutions misconduct. I respectfully urge XXXX to reconsider my application and align with the federal stance on recognizing and remedying the harm caused by The XXXX XXXX ' misconduct. I request the immediate discharge of my private student loans associated with this predatory institution. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned a leased GM vehicle XX/XX/2019 and received a bill dated XX/XX/2019 onXX/XX/2019 stating amount due for disposition fee and damages {$1100.00} due by XX/XX/2019. I called in and disputed some of the damages since the vehicle was not picked up until XX/XX/2019 and had been moved to a different location where possibly some damages may have occurred during the move. I asked what my options for payments were and was informed {$180.00} per month until balance paid. I received notice on my credit card statement I had a delinquent report from GM financial XX/XX/2019 in the full amount of {$1100.00}. I called XX/XX/2019 and questioned customer service why they reported me late and she said they would correct it and I set up payments and paid {$180.00}. I checked my credit report and she had corrected the XXXX XXXX but not the experian report. After numerous calls to GM financial I was in formed that they could do nothing and I would have to contact experian directly to correct it. I called experian and was told they could submit a dispute to GM financial but could not remove the delinquency and suggested contacting CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies.
Product: Credit card or prepaid card

There is a new account opened under my name and i have not applied for this account, i have never heard of this account. This is affecting my credit score
Product: Vehicle loan or lease

In XXXXXXXX XXXX XXXX  I totaled a car that was in both my wife and is name. After insurance paid there was roughly XXXX dollars left to pay due to not having gap on the vehicle. 
At that time we were not notified that they expected it in XXXXXXXX XXXX some and immediately. As well as at that time we did not make the kind of money to be able to afford that large of a lump some at XXXX time. 
Nonetheless we paid what we could when we could, you can still log in to the portal and see where payments were made every week to XXXX weeks, whether it was {$30.00} or {$200.00}, an effort was made to pay towards the remaining balance. It took roughly XXXX months for us to pay the balance. The company reported payment XX/XX/XXXX days late on both our credits, as if they hadnt received any type of payment. 
I dont see how this is fair, as we werent told that it had to be paid all at once, and that there was clearly an effort made to pay as much and as quickly as possible, it is not like they just went XXXX months without any sign of payment. 
This has had a huge impact on nearly everything weve tried to do since.