23daVinci/CFPB_Complaints huggingface dataset:
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 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 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 an 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: Checking or savings account

I am a citizen and resident of XXXX, but between XX/XX/XXXXand XXXX I was employed by XXXX XXXX XXXX and lived in California. Through my employer, I had a XXXX managed through XXXX. When in XXXX I was about to move to XXXX, I wanted to consolidate my accounts in one institution, and I chose Bank of America ( BofA ), which is where my checking and credit-card accounts were. ( If I remember correctly, I spoke about this to XXXX XXXX ( XXXX ) XXXX at BofA, at the BofA branch on XXXX XXXX XXXX in XXXX XXXX, CA ). I was very clear about my residency and citizenship status. Nonetheless, it was suggested that I rollover the XXXX to an IRA with Bank of America, and so I did, sometime in the spring or summer of XXXX. 

At some point later, BofA had XXXX XXXX manage the account. I was informed of this, but I had no say in the matter. 

Then last week, I received a letter from XXXX XXXX stating that they will no longer be the custodian of the account, and that it will be liquidated 30 days after XX/XX/XXXX. On the phone, they explained that this is since I am not a US resident, a fact that was known to them when BofA had me open the account 11 years earlier, and throughout those 11 years. Making some more calls, it turns out that no financial institution is willing to be the custodian of the account, since apparently they I am not a US resident. Thus it seems that BofA behaved either with negligence or fraudulently when they had me open an account in a way that may not have been legal. 

Thus, my retirement account will be closed without my consent, and I will be forced to be responsible for the tax, early withdrawl penalty, and any other costs. 

( I should say that I kept two addresses with BofA : my address in XXXX, and the address of a friend in California who was helping to collect my mail. You can see both addresses in the attached screenshot from the BofA web page. Over the years BofA sent me many account reports to the address in XXXX, so they knew all along that that was where I was living. )
Product: Student loan

I began my college career back in XXXX, being a young mother without a college degree trying to make ends meet I relied on student aide as well as student loans to make my way through college. I graduate with my XXXX in XXXX back in XXXX, since then I have never been able to afford my monthly student loan payment. I have tried for years to get my monthly payments reduced to something more affordable, but Ive never been able to, so Ive been forced to request forbarence after forbarence, thus only added up my interest and payments.
Product: Vehicle loan or lease

VALIDATION AND CEASE AND DESIST Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooper
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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

LEGAL NOTICE NOTICE OF CEASE AND DESIST OF REPORTING TO CONSUMER REPORTING AGENCIES AND REQUESTING INFORMATION AND INTENT TO SUE XX/XX/XXXX AFFIANT : XXXX : XXXX. XXXX DEFENDANT : Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX D-XXXX number XXXX XXXX CO-DEFENDANTS : XXXX XXXX XXXXXXXX XXXX number : XXXX XXXX XXXX, XXXX SUITCASE GO AFTER NAVY FEDERAL CREDIT UNION SURETY BONDS TO SUE UNAUTHORIZED BONDS , SECRET CONTRACTS, DOUBLE RECOVERY, INSURANCE FRAUD, SECURITIES FRAUD, FIDUCIARY DUTIES, ACCOUNT FORWARD FLOW AGREEMENTS CHAIN OF ASSIGNMENT USC 1666B BILLING ERROR ACCOUNT # XXXX DEAR DEFENDANT : NAVY FEDERAL CREDIT IVE RECENTLY REVIEWED MY XXXX XXXX XXXX XXXX CONSUMER REPORTS IVE NOTICE THAT YOU HAVE AND [ GAAP ] FINANCING TRUST/BOND ACCOUNT/REMARK AS A CHARGE OFF WRITTEN OFF or PROFIT LOSS FOR ACCOUNT # XXXX AFTER FURTHER CONVERSATION WITH MY IRS AGENT / AGENCY IN WASHINGTON DC FEDERAL FINANCE DIVISION/US TREASURY. I WAS ADVISE THAT I REQUEST A COPY OF THE 1099-C & BILLING ERROR OF BEING LATE FROM NAVY FEDERAL CREDIT UNION . SO, I AM REQUESTING A COPY OF 1099-C THAT YOU SENT TO MY PERSON ACCT : XXXX XXXX XXXX. MATCHING THE SAME DATE THAT YOU GAVE MY PRIVATE PERSONAL INFORMATION WITHOUT MY WRITTEN CONSENT Also please send CERTIFIED RETURN RECEIPT WITH MY Human Wet Signature THAT IVE RECEIVED IT. [ IRS FORM XXXX WHISTLE BLOWER AWARD ]. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY. IF YOU CANT FURNISHED THE ABOVE REQUESTED INFORMATION DELETE THIS ACCOUNT IMMEDIATELY. SINCERELY, AFFIANT : .XXXX  : XXXX. Living woman, Im far from being dead XXXX XXXX XXXX ACT 1666 Beneficiary OF ACCT XXXX XXXX XXXX not the TRUSTEE UCC1-308 ALL RIGHTS RESERVE WITHOUT PREJUDICE WITHOUT RECOURSE ALL DEBTS ARE OF THE UNITED STATES INC PER HJR -192 1933 USC 6802 RICO SUIT SECURITIES CLAIM If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more. USC 1681a FRAUD SUIT 18 USC 1028A
Product: Checking or savings account

I'm filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which my violate the Electronic Funds Transfer act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request you assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Experians failure to properly verify a debt reported by XXXX XXXX XXXX ( XXXX ) on behalf of XXXX XXXX XXXX. In a previous dispute filed through the CFPB, Experian verified the debt as {$3400.00}. However, I have written proof from XXXX confirming that the actual debt amount is {$3400.00}, revealing a discrepancy in the verification process. 

This inaccurate verification is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported on a consumers credit report be accurate and fully verified. Due to this improper verification, I have suffered significant financial harm, including : Denial of multiple credit card applications Denial of an auto loan for {$100000.00} Denial of a home loan for {$400000.00} I have attached an invoice for damages. 
Experians failure to verify the debt accurately has severely impacted my creditworthiness and caused substantial financial damages. 
I expect swift action on this matter and will pursue further legal action if necessary to protect my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally file a complaint against TransUnion for failing to comply with several provisions under the Fair Credit Reporting Act ( FCRA ). Specifically, I am concerned with the following sections of the FCRA : 15 USC 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of the information in my credit report.

15 USC 1681s-2 Failure of a data furnisher to report accurate information.

15 USC 1681i ( 5 ) Failure to conduct a reasonable investigation of my dispute, resulting in the continued reporting of inaccurate information.

15 USC 1681c ( c ) Failure to properly handle or remove obsolete information from my credit report. 

Details of My Issue : I have sent TransUnion, a series of formal dispute letters regarding inaccurate or incomplete information on my credit report. 
Despite my efforts, TransUnion has failed to acknowledge my dispute or take appropriate action as mandated by the Fair Credit Reporting Act. 
I have provided clear evidence that certain information on my credit report is incorrect, yet TransUnion has either ignored or failed to resolve these discrepancies. 
Attempts to Resolve the Issue : In XX/XX/year>, I sent dispute letters to TransUnion addressing these inaccuracies, referencing the specific entries that need to be corrected. 
I have kept a record of all communication with TransUnion, including certified mail receipts and copies of all dispute letters. 
Despite my attempts, TransUnion has not responded within the required time frame or taken the necessary steps to correct the reported errors. 
This has had a negative effect on my credit score, preventing me from obtaining new credit or qualifying for better rates, which has affected my ability to make essential purchases or manage debt effectively. These unresolved issues have caused significant emotional and financial distress. Damaged my creditworthiness, causing me to feel frustrated and helpless in trying to regain control of my financial future. Resulted in higher interest rates on loans and credit products, leading to unnecessary financial strain. 
I have made several attempts to resolve these issues directly with TransUnion by submitting disputes requesting the removal of inaccuracies on my credit report. Despite these efforts, I have not received a satisfactory response or resolution. 

Requested Resolution : I request that TransUnion immediately review and remove the inaccurate information reported on my credit report in compliance with the Fair Credit Reporting Act. 
I request that TransUnion take the necessary steps to ensure that my credit report is updated with accurate information. 
I seek a formal acknowledgment from TransUnion regarding my dispute and the actions they are taking to resolve the issue in accordance with federal law. 

I trust that the CFPB will ensure that Transunion remove and correct said inaccuracies from my credit report in accordance with federal law. Thank you for your attention into this matter. 
Sincerely, XXXX XXXX ( maiden name : XXXX XXXX )
Product: Debt collection

XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Debt Validation-XXXX  Dear XXXX XXXX, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor. 
2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector. 
4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations. 
5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented. 
6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within XXXX  days, as required by law. 
Thank you for your prompt attention to this matter. 

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

Experian is a horrible horrible horrible company. 4 years ago the attached application was incomplete but Experian furnished my personal information anyway that then led to a fraudulent auto loan. I have repeatedly tried to call Experian which is an exercise in pure stress. XXXX  XXXX XXXX XXXX is on my credit report because credit was pulled based upon an incomplete application and information stolen by Experian. I have asked Experian why the application was processed and why my personal information was supplied by Experian but have yet to receive an answer. 4 years later and still no answer from Experian.
Product: Debt collection

XXXX XXXX agrees there should be no balance on my account. I have contacted them three times as of today to have this removed with Credit Control Corporation ( XXXX XXXX VA ) collections agency. They " elevated '' this matter with a XXXX request #. I had earlier disputed this matter with Credit Control Corporation who is reporting this as seriously delinquent and said it is correct collections account on their response to the credit agencies. I called and spoke with XXXX at Credit Control Corporation today who refused to take my information -- thus, they will still reporting my account as " seriously '' delinquent - when in reality according to XXXX at XXXX this should have been removed some time ago.
Product: Debt collection

I have received XXXX phone calls from XXXX XXXX at Wakefield & Associates this month on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not answer any of these calls as I have previously signed up for the National Do Not Call Registry and these calls only ring once before going to voicemail, which is what all spam calls do. I have not received any written or email communication about debt and do not owe any medical or other type of debt that I have not paid or that would be sold to collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a loan in XX/XX/XXXX, and you report a payment in XX/XX/XXXX, but not XXXX, XXXX, and XX/XX/XXXX. You are reporting the loan at 20 % paid when it is in fact 60 % paid. I KNOW this to NOT be the fault of the Bank, My Bank is a Small Bank, Family Owned for 4 generations, and not affiliated with any other XXXX XXXX XXXX  Anywhere, We are a small close Family and I have ask the President about their Reporting Habits, His answer is, They report Monthly, So I want to know Why XXXX XXXX is Always 3 months behind on getting it on my Report,,,, You are Falsely Keeping My Credit Rating Below what it should be, and I would like it FIXED within 30 Days, A carbon Copy of this Letter will be sent to the Consumer Advocate!
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents. I didn't initiate this inquiry at all. I want them to remove this as soon as possible.
Product: Student loan

I have been paying my student loan  6-7  days ahead of time and {$20.00} more than the minimum payment amount for over 5 years. I recently moved from the  XXXX   XXXX  to the  XXXX   XXXX . My bank on the  XXXX   XXXX  is not on the  XXXX   XXXX . I opened a new bank account here. I made changes online to my Navient account on    XXXX   XXXX   XXXX     . I filled out information for my new bank online and signed up for auto debit. I received an error message online following my submission. I called to follow up with  Navient  who said everything had been processed, my next payment would be taken from my new account, and my old account had been deleted.     Two months pass and I receive notice from my previous bank on the  XXXX   XXXX  that my account is negative {$300.00} due to multiple attempts by Navient to collect my payments from this old account. I spent  4  hours on the phone with Navient as well as my old bank to resolve this issue. Navient claims they did not remove the payment. My bank claims they did not send the payment. Both parties are blaming the other. I was responsible and did what I should to make sure my payments remained current, and ended up spending  4+  hours on the phone and paying {$120.00} just to settle the situation although it was no fault of my own.     It is completely absurd that people who are paid and titled " customer service representatives '' expect you to figure out who made the mistake and send them supporting documentation to fix the error when the error was clearly either my bank or Navient. I believe it was Navient because I have several other accounts that I had no problem transitioning to a new bank for payment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.