23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Ok Remove off my credit cause I have fraud alert on my credit and no is to put anything on my credit reports without verify it's me first Restore my credit points lost Remove from credit Make sure what company is accurate amounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Capital One Auto Finance {$9100.00} XX/XX/2016
Product: Student loan

I have been a XXXX XXXX XXXX XXXX student at XXXX University in Virginia since Fall  2018. I received federal student loans to pay all of the tuition and related school expenses. I finished the first semester, but we began hearing rumors that XXXX had defrauded the students and misappropriated all of our funds, including amounts held as as students account credits early into the Spring semester. On XX/XX/XXXX, we received written notification from XXXX that the school was closing immediately. On XX/XX/XXXX, I received notification from the Department of Education that my loans for the Spring term were cancelled. As a result I filed the discharge paperwork through my servicer, Nelnet. Arrangements have been made for most of XXXX students, including me, to transfer to XXXX XXXX XXXX in DC as of XX/XX/XXXX. On XX/XX/XXXX, I was informed by Nelnet that the loans were not cancelled and I was now in repayment status ( grace ) because they have decided that the school is not really closed despite XXXX actually ceasing operation and having a trustee appointed. They will not allow me to speak to their claims department, but they can not explain their decision. This is either a case of complete ineptitude on their part or their compensation model is based on collection activity, thus they are motivated by blatant self interest.
Product: Debt collection

This company XXXX XXXX was sold to XXXX XXXX ( a debt collection company ) and both companies are trying to collect on the debt hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Hi, Captial one, is charging interest even after the card is paid in full, two months after the card was paid. I pay my cards full every month. Capital, one charged annual fee and was told the card is free from annual fees. Then they charge interest rate for the annual fee. I paid the account in full, but they keep on charging interest on the card. According to them you will pay interest for 2 months even if the card paid in full. Their practice is theft and scamming consumers. 

I was on the phone with them for an hour. They refuse to refund or address the issue. I closed my account. They refused to refund me the annual fee. 
I need your help ; I can't imagine that they are not doing this other consumer.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

The first dispute Was from a purchase on XX/XX/year> with XXXX XXXX XXXX. I disputed because I was not being treated fairly with the contract he told me he would actually coach me again when he received the funds back and when he did get the funds back he denied me anymore coaching so I lost {$9800.00}. I Made a purchase with XXXX XXXX XXXX for XXXX on XX/XX/year>. I have still not received any services from them and I am trying to get them to refund me they keep pushing me off and telling me they are going to contact me every day and I haven't got a resolution and synchrony bank did not help me.
Product: Checking or savings account

Ive received a tax refund in a new Wells Fargo account and since the deposit was big and I usually dont use this account they suspected it as fraud which its not because its irs approved. And froze all my money in the account and the account is not closed yet. Its been over a month and no progress or nothing is happening which is very disappointing to just have my money sitting in there with nothing I can do.
Product: Debt collection

I am in need of help because I am being harassed by a debt collector who repeatedly is calling me after I told them that it was inconvenient time to call me, but they didnt stop there. I have a recording of them telling me that I was a bad time to call and I also have screenshots of them calling at the same time making me feel uncomfortable then they called my job and my employer and that was the last straw. I looked up this law 15 USC 1692, which is in the FDCPA and section 69 to see a one. It says any unusual time or place known What should be known to be a convenient to the consumer is the absence of knowledge circumstances on the contrary, a debt collector, so assume that a convenient time for communicating with the consumer is after XXXX XXXX, and before XXXX XXXX post to XXXX local time at the consumers location which means that if I told him its not a good time they should not call me back those are convenient. Plus they shouldnt call my employer, which also violated under FDCPA. 
I am writing to express my deep concern and dissatisfaction regarding the conduct of a collection agency that has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and has negatively impacted my credit history. 
15 U.S. Code 1692c - Communication in connection with debt collection I dispute the illegal actions taken by LVNV FUNDING and the inaccuracies they have reported on my credit report. The specific concerns I have are as follows : Violation of FDCPA : LVNV FUNDING has engaged in actions that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692c ( a ) ( 1 ). They have contacted my employer regarding my debt without my consent, a direct violation of this federal law. This violation is supported by relevant case law. For instance, the case of XXXX XXXX XXXX, XXXX, Defendant.

Case No. : XXXX ] highlighted the importance of adhering to the FDCPA and respecting consumer rights. In this case, it was ruled that debt collectors must not contact a consumer 's employer without consent. This serves as an example of the legal precedence set in cases where credit reporting inaccuracies led to negative consequences for the consumer. This case reinforces the importance of accurate reporting by debt collectors and credit bureaus. 
I have taken appropriate steps by disputing this with the collection agency directly. 
However, I am writing to you, as a credit reporting agency, to request your assistance in investigating this matter and ensuring the accuracy and fairness of my credit report. 
I kindly request that you : Conduct an independent investigation into the accuracy of the information provided by XXXX XXXX I demand the following accounts be verified or removed immediately. 

XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX in connection with debt collection
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Notice of Negligent Noncompliance Under 15 U.S. Code 1681o Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe has been negligently reported and/or, verified in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681o you are liable for civil damages when you fail to comply with the FCRA through negligence. 


I have identified the following inaccurate information on my credit report : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) List the disputed items, including creditor names, account numbers ( partial for security ), and the specific errors ] I previously disputed this information on [ date of previous dispute, if applicable ], but you have failed to correct or properly investigate the issue. As required by the FCRA, consumer reporting agencies and furnishers must ensure the accuracy of the data they report. Your failure to take reasonable steps to verify and correct this information has caused harm, including but not limited to : Denial of credit, loans, or employment opportunities Increased interest rates or unfavorable financial terms Emotional distress and reputational harm To remedy this situation, I demand : 1. The immediate deletion or correction of the inaccurate information.

2. Written confirmation of the changes made to my credit report.

3. Compensation for damages caused by your negligent If you fail to comply within the time required by law, I may pursue legal action, including seeking damages and attorney fees as permitted under 15 U.S. Code 1681o. Please investigate and resolve this matter promptly. I expect a response within 30 days, as required by the FCRA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Final Dispute Notice Demand for Immediate Deletion of Inaccurate and Unverified Items To Whom It May Concern, This letter serves as my third and final attempt to resolve the numerous inaccuracies and violations of consumer protection laws found in my credit report, as provided by XXXX. I have repeatedly requested that these errors be corrected or deleted, yet XXXX has failed to comply, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX reporting standards. 

The continued presence of these false and unverified accounts and inquiries has severely impacted my financial well-being, including denial of credit and other essential services. As XXXX is already under legal scrutiny due to recent lawsuits, I will not tolerate further neglect or failure to act in accordance with federal law. 

Disputed Items ( Demand for Deletion ) The following items must be immediately deleted, as they have been improperly reported and remain unverified : 1. Collection Accounts & Charged-Off Accounts Several collection and charge-off accounts listed in my report have failed to meet legal verification standards. Under the FCRA, unverified accounts must be removed.

2. Incorrect Personal Information My personal information, including name variations and addresses, contains multiple errors. These inaccuracies contribute to further misreporting.

3. Hard Inquiries Unauthorized and outdated hard inquiries remain on my report, negatively affecting my creditworthiness. These inquiries must be deleted immediately as they were not initiated with my full and verifiable consent. 

Violations & Legal Consequences By continuing to report inaccurate and unverifiable information, XXXX has engaged in : Defamation By publishing false and damaging information that has led to financial harm. 
Negligence By failing to follow reasonable procedures to ensure maximum possible accuracy. 
Willful Noncompliance with FCRA & Metro 2 Standards Resulting in my inability to obtain credit, impacting my livelihood. 

If XXXX fails to comply within 15 days of receiving this letter, I will have no choice but to proceed with legal action, including filing a lawsuit for defamation, willful negligence, and financial damages related to lost opportunities and emotional distress. I will also seek statutory damages, punitive damages, and attorney fees, as allowed under the FCRA. 

This is your final opportunity to correct these violations outside of court. I expect written confirmation that these items have been deleted ( not updated or corrected ) and that my report has been fully rectified. 

Failure to respond appropriately will result in immediate legal escalation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Chase bank closed my XXXX card account after I had been a cardholder with them since XX/XX/XXXX-XX/XX/XXXX. I had informed a customer service representative that I would pay XXXX of my XXXX balance on XX/XX/XXXX. The card was closed on XX/XX/XXXX. 

I ran into a financial difficulty in moving from XXXX to XXXX and this caused a delay in getting my monthly bill made. Prior to that I had been a customer in good standing with Chase and loved using my XXXX Card for points for stays at XXXX all over the world. 

I spoke with a representative and then received an email from a rep stating that once a card has been closed, it can not be reestablished. This is a poor reflection on my credit.
Product: Debt collection

Nationwide Credit , INC has sent out several confusing letters attempting to collect a dent for XXXX XXXX in the amount of {$9600.00} but I never gave written consent or authorization to this company to have my personal and private information. Nationwide Credit , Inc is a debt collector but XXXX XXXX is still actively contacting me regarding the same debt. Due to this situation my credit reputation has been damaged and I have been denied a new home and business funding which takes away my ability to pay my bills, run my business, feed and cloth my family. This situation is causing stress to myself and my family. My federally protected rights as a consumer have been violated by both companies. I did not sign any contract with Nationwide Credit , Inc and give them permission to have my information.
Product: Vehicle loan or lease

I am currently requesting Arivo to take back my van. I lost my job and the van is broken down. I've communicated this since XXXX XXXX '. We do not get calls at our residence and I have requested text and email communication which they refuse. Their collection practices are illegal, multiple calls by multiple people, they make me repeat myself over and over and over and don't listen. In addition state their own personal opinions on me and my situation. Condescending and harassing text and voice-mail. I need them to get the van. I have medical issues, and they are causing them to get worse by their practices. I have keys ready and van. I had to block the text today because they are overwhelming. I've said what I can do, and they won't stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that needs to be removed due to incorrect information being reported I have previously removed these accounts from the other bureau experian and transunion wont delete off the report I am referring to XXXX XXXX XXXX  opened XX/XX/XXXX balance {$4300.00} also XXXX XXXX XXXX opened XXXX balance {$4400.00} ameri collect dates opened XX/XX/XXXX, XX/XX/XXXX balance {$1500.00} and {$1500.00} that is supposed to be deleted which is already deleted from my report due to previous dispute XXXX wont delete anything nor will update my report when i reported someone was using my name. 

XXXX XXXX  XXXX opened XX/XX/XXXX balance XXXX monthly payment {$490.00} i have paid my bill and i need it updated i dont have a XXXX late payment self credit card opened XX/XX/XXXX balance {$500.00} i already paid my bill i need it updated that i paid i dont have a late payment and the utilization isnt reporting right self loan XX/XX/XXXX i have paid my bill already i dont have a late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I received email from XXXX that my credit score went down to XXXX points. due New Credit Inquiries from XXXX XXXX XXXX. I have contacted them but no resolution. I have never filled for credit card or loan for the past 4 years. So please assist in removing this from my Credit score. Thank you.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, MA XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

From the beginning the vehicle sold to me was not only a Lemon Sale, I was completely bamboozled from left, to right. I definitely notified the proper parties to see how we can resolve the issues but no one would talk to me directly and the last representative stated " they could have no further contact with me because I threatened to take them to court for selling a lemon vehcle that they knew was broken and really couldnt be salvaged. I made my first initial complaint the end of XX/XX/year>, less than 90 days after purchasing the car. I noticed on my application my credit was ran over 3 different times leaving over 29 Hard inquiries on my credit, they made my monthly payments so high and my actual payoff amount by the end of 72 months i would have paid XXXX dollars on a less than XXXX dollar valued car. When approached about said debt that was on my credit I started getting unwarranted calls and complete different times of the day and night. the debt collectors just kept flagging my credit. they havent sent me any documentation about the now charge off account, they didnt even give me any opportunities to correct anything or tried to fix the issues with me. I have now been getting more calls about this debt that doesnt belong to me. I have suffered beyond hardship, I have been without a vehicle for almost a year due to these false collections on my credit. I have spent way too much money on the vehicle to having no way of compensation.