23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have several private student loans with Navient/XXXX. I and my mother have taken steps to arrange payment arrangements several times, but we are constantly being told that our payments were not applied and that the accounts are always past due or nearing default. Speaking with representatives proves to be fruitless and little action is taken to remedy the situation. Information from XXXX phone call is given and then a new representative will follow-up with incomplete information or information that does not match which was previously discussed.
Product: Debt collection

Spoke to customer service on a account that is not mine, explained to them that I had identify theft in the past, and this account does not belong to me, continues to ask me questions and talk around the problem. I told them they purchase debt without verifying anything, account does not belong to me, please remove it from all my credit reports, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please have these accounts deleted from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **RE : CFPB DISPUTE FOR MULTIPLE VIOLATIONS OF NOTICE OF OBLIGATION REASSIGNMENT, OPT-OUT NOTICES, AND CEASE AND DESIST REQUESTS** Dear XXXX XXXX, I am writing to dispute the accuracy and legality of information on my credit report related to the reporting activities of XXXX XXXX. I have issued XXXX XXXX more than three notices of obligation reassignment, more than three notices of an opt-out under 15 U.S. Code 6802, and multiple cease and desist requests as allowed by the Fair Credit Reporting Act ( FCRA ). 

**Account Information : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Violations : ** 1. **Notice of Obligation Reassignment : ** I have issued XXXX XXXX more than three notices of obligation reassignment in accordance with the card agreement, signaling a transfer of responsibility. Failure to acknowledge and comply with this notice constitutes a violation of my rights under the FCRA. 

2. **Opt-Out Notices : ** I have provided XXXX XXXX with more than three notices of opt-out under 15 U.S. Code 6802, covering both written and unwritten, verbal and non-verbal authorizations. The repeated issuance of these notices should have resulted in a cessation of reporting my nonpublic personal information. Continued reporting in violation of these notices is a clear infringement of my rights. 

3. **Cease and Desist Notices : ** I have issued XXXX XXXX multiple notices to cease and desist, indicating my explicit directive to stop any activities that violate my rights under the FCRA XXXX Failure to comply with these cease and desist notices is a willful noncompliance and subject to civil liability under 15 U.S. Code 1681n. 

**Legal Basis : ** These disputes are grounded in the FCRA XXXX specifically under 15 U.S. Code 6801 and 15 U.S. Code 1681n. XXXX XXXX has willfully failed to comply with my repeated notices and has not respected its obligation to protect the security and confidentiality of my nonpublic personal information. 

**Requested Actions : ** I am formally requesting the immediate removal of the reported accounts from XXXX XXXX on my credit report due to the sustained and unreasonable damages resulting from their continued reporting activities in violation of my rights. 

**Remedies Requested : ** I request the following remedies : 1. Complete removal of the reported accounts from XXXX XXXX on my credit report. 
2. Compensation for damages sustained, as authorized by 15 U.S. Code 1681n, including actual damages, punitive damages, and reasonable attorneys fees. 

Your prompt attention to this matter is crucial. Please conduct a thorough investigation into these disputes and provide a written response within the legally mandated timeframe. 
Sincerely, XXXX XXXX
Product: Debt collection

through my own investigation I found the Original Debt is from XXXX claiming I had a balance due of {$1300.00} not covered by my medical insurance from my child 's hospitalization on XX/XX/XXXX. I am Still disputing billing practices by the hospital and medical coverage. 

The debt collector RMB INC not only has failed to respond to certified DEBT VERIFICATION requests. They have changed the activity date to " re-age '' the account. The latest date list the account active as of XX/XX/XXXX. I have only communicated with RMB INC once when I sent a debt verification request. I have not had any other communication with the original creditor or debt collector since XXXX. 

in reference to the debt verification RMB INC has not provided me with a response for the following requested information : 1. What the money they say I owe is for ; 2. Explain and show me how they calculated what they say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what they say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Prove that they are in the same State and County where this allege debt was incurred ; 8. Show me that they are licensed to collect in my state ; 9. Provide me their license numbers and Registered Agent. 
These questions should be answered also : 10. Who is the current owner of this alleged debt? 
11. Who is the original creditor for this alleged debt? 
12. If RMB INC is the current owner : a. When was it purchased? 
b. Who was it purchased from? 
13. Have you assigned the alleged debt to another entity for collection? If so, who? 
14. If B INC has sold or otherwise transferred this alleged debt, to whom was it sold and when? 
15. Proof of last day of activity
Product: Debt collection

On XX/XX/year>, I requested validation of a debt from LVNV Funding LLC/Resurgent Capital Services regarding an alleged debt. I asked for specific documentation, including proof of the debt, the Statute of Limitations, their legal right to collect, and confirmation that the debt had not been forgiven by the original creditor. 

On XX/XX/year>, I received a partial response that only included limited information ( debt verification and the original creditors name ) but did not include the necessary documentation to fully validate the debt. I followed up on this request multiple times : XX/XX/year>, XX/XX/year>, and XX/XX/year>, but I have not received further communication or documentation from the company. 

Despite the incomplete validation and failure to follow up, LVNV Funding LLC has continued to report the unverified debt to the credit bureaus, causing significant damage to my credit profile. I have made multiple attempts to resolve the issue, but they have not provided the documentation requested nor stopped their collection efforts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. **Account Name : XXXX XXXX XXXX*Date : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My EQUIFAX Credit Report Upon reviewing my EQUIFAX credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX XXXX ALSO KNOWN AS XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX XXXX Fecha : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Employer : XXXX XXXX  Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX Current Employer XXXX XXXX XXXX XXXX  I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to delete the following information, the item ( s ) that needs to be deleted are listed on the report. I am a victim of identity theft and I did not make the charge, I ask that the item ( s ) are deleted in order to correct my credit report.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for  collection activity.
Product: Vehicle loan or lease

I am writing to address several inaccuracies on my credit report regarding a voluntary repossession due to mechanical failure and catalytic issues with a vehicle that falls within the lemon category. Firstly, the account status listed does not accurately reflect my current financial standing ; it should be marked as closed. Additionally, the number of months reported for this account is incorrect ; it should be XXXX  months. The date of last activity is also inaccurate ; the actual date is XX/XX/2024. Furthermore, the number of months reviewed in each credit report does not align. Regarding payment status, payments were consistently made prior to the surrender in XXXX, contrary to what is reported. Lastly, the reported monthly payment amount is incorrect ; the accurate figure is {$300.00}. I kindly request that these errors be rectified promptly to ensure the accuracy of my credit report. Thank you for your attention to this matter.
Product: Checking or savings account

I called chime customer service because my chip wasnt working on my bank card. When I called a man answered which I thought was a ( worker ) well it turned out to be a scammer and after I got off the phone call all of my money was out of my account and i had almost {$4000.00} worth of XXXX purchase on my account which I didnt make. I then immediately. Called the fraud department. And did a dispute as of yesterday I received a email saying there was no error and basically my dispute was denied. I reopen the case and do another dispute, and I also made a police report. Because I never made theses purchase I just got into a car accident and this was the money I got for total out of a car now i have nothing to buy a new car
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 the property at XXXX XXXX XXXX was forclosed on by ocwen and auctioned off, ocwen bought it back from themselves at the auction for the total amount owed, I have the lawyers papers from the auction. It's only wrong on XXXX and they or ocwen will not fix it. It's hurting my score an ability to buy. Thank you
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. There are several misspellings of my name and addresses that DO NOT belong to me. Transunion, XXXX, and XXXX assumed a vital role in the banking system and have to follow the law in furnishing consumer reports. 

I have stated several times and provided proof of my identity and correct address and each company is still inaccurately reporting my personal information. 

My name is XXXX XXXX. There should be no other names listed on my report. My address is XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX IL XXXX remove any other address they do not belong to me. 

If you have reason to believe the information you are being furnished and paid to report provide me with an accounting ledger so I may inspect the records. Please take not I am not asking for my consumer report but the account history for the financial gain made from my consumer report. 
( a ) Accuracy and fairness of credit reporting The Congress  makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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.

The letters are stated with items and issues.

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: Checking or savings account

What are the odds of you being a XXXX couple that owns XXXX XXXX owned businesses and your bank freezes your funds because of fraud or cant a verify funds from local banks? 

My wife received a small grant from the city of XXXX for her XXXX XXXX  for XXXX and she is told by citizens bank that the signature is fraudulent and they will hold this check 19 days to ensure its good. And then that same couple sells their house for XXXX, deposit the proceeds into their account and are told the exact same thing from the back representatives. I go to the bank and discloses the odds of flagging every big check deposited by these minorities without them being targeted. My wife and I, XXXX XXXX, have been harassed by Citizens bank repeatedly because we have large legitimate deposits. This last causes a problem in that we sold our house and we need the money to make a tiny homes purchase. At this time we do not have our home nor do we have our money that we have verified via attorney at a LOCAL bank. 

Why is my wife and I being targeted by citizens bank whom also declined every grant we have applied for our business. XXXX XXXX and XXXX XXXX XXXX XXXX. 
We are left with no choice but to pursue relief from being targeted based in our ethnicity. We will be contacting the Consumer Financial Protection Bureau ( CFPB ) as well as our civil rights office that our companies are consistently targeted by your bank end dept and are told we are somehow fraud, forged signature or cant be verified, or money isnt there lies.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XX/XX/year> Account Name : XXXX XX/XX/year> Account Name : XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX account XXXX XXXXXXXX, is reporting to XXXX that date of ast payment was on XX/XX/year> and a last date active on XX/XX/year> and Equifax is reporting the same XXXX XXXXXXXX account # XXXX, with a date of last active on XX/XX/year>, and a date of last payment on XXXX and XXXX XXXX does not report it nor have it as hurting my chances of getting a first time home buyer loan please remove all the confusions and misinfomation about me
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$3500.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX