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. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Firstly this law firm send me a threatening letter, telling me that if I will not pay the debt than they will file a lawsuit .They didn't include no information that they are a debt collectors .See attachment. After I ignore them I received a letter than they filed a lawsuit against me. when I was filing the answer, I found another stipulation saying that apparently they have spoke to me and we agreed to payment plan. I didn't speak to nobody and this company is not only in violation of FDCPA but committed Court Fraud. 
I requested validation of debt from them and I have never received any answer .Please find attached certified receipt.
Product: Credit reporting

There were inquires that were removed on my credit report and were re added without written notification frca section XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Below is the account with erroneous information and Id like remedied ASAP. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to DISPUTE the following summaries of derogatoriness that your company supplied to one or more Bureaus .In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, sufficing adhering of Federal and state reporting laws and or suitability in your even extremely compliant adhering to the mandatorily applied credit reporting industrys practices namely the XXXX own CRRG- XXXX XXXX Formatted reporting without deviation ( XXXX ), errors, nor omissions of congruous archives that else better ensure integrity of harangues made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further necessitate, and you are MANDATED BY LAW to comply with, that you present confirmable evidence of any negativitys certifiably docious reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are commensurate to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED. 

Per the XXXX own XXXX XXXX, An Industry standard for reporting consumer accounts WILL ENSURE THE INTEGRITY AND CONSISTENCY of reported data. This MANDATORILY UTILIZED STANDARD includes but is NOT LIMITED to requirements that ALL ACCOUNTS be reported AT LEAST once MONTHLY, the FINAL ACCOUNT STATUS CODE MUST BE REPORTED if and when an account is PAID OR CLOSED with a XXXX balance. CYCLIC REPORTING must occur at cycles close, etc. 
ACCURACY AND INTEGRITY DEFINITIONS ( per XXXX and XXXX FACT ACT ) : Per the XXXX own XXXX XXXX, the XXXX XXXX  XXXX XXXX Furnisher Rules define the term Accuracy to mean that conclusions that a furnisher provides to a consumer reporting agency about an account OR other relationship with the consumer correctly ( 1 ) Reflects the terms of AND liability for the account or other relationship, ( 2 ) Reflects the consumers performance and other conduct with respect to the account o r other relationship, ( 3 ) Identifies the appropriate consumer..

The following data is suspect to be in deviation of requirements for fair and accurate reported and I demand that ANY and all negativity ( ies ) related to be terminated immediately, permanently and completely or else proven admissible in writing : Please Remove These Items From My Credit Report Immediately : 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

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  has violated my rights. Or a 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: Mortgage

I was approved for a trial modification that had payments due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 with Bank of America for my second mortgage. I made all XXXX trial payments on time and they never finalized my loan modification. I have not received any paperwork or letters advising me what is going on. I hired an attorney and my attorney states Bank of America when called simply hangs up on the line once the computer system identifies my loan. Today is now XXXX days since I finished my trial and they took {$3600.00} from me and now are not responding to my request for a final modification.
Product: Student loan

My previous compaint is incomplete it didnt include the attachment I am adding that shows I made payments between XXXX and XXXX and was never late or in default. I paid more than the minimum and don't owe the original balance as claimed by Nelnet.
Product: Bank account or service

Bank of America just charged me {$35.00} overdraft fee for less than 24 hours when my bank account was negative {$1.00}. That 's a lot of interest for an extremely short term loan on a dollar. When I called to try to get them to refund me, they told me they already had refunded me once in XXXX and therefore they could n't do it again.
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 : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/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 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 XXXX 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: Payday loan, title loan, personal loan, or advance loan

I paid a loan off before with Covington credit so I was able to get another loan to pay my car insurance in full. I am now in between jobs and got two months behind. I ask could be on a payment plan and if interest could stop accruing but they said no. I ask for hardship and she said I would still have to be {$190.00} right now and they will push the other amount to the back of the loan. They are refusing to work with me and are threatening to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX  has to remove old lines/closed accounts from my credit report after the time limit has run out. The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX debts has expired almost 12 -20 yrs ago. The CRAs do not automatically delete the closed items from my credit report once they're  scheduled to be deleted, Further, they have not every time I keep disputing give me a thorough investigation besides the e-OSCAR system.
Product: Credit card or prepaid card

COMPANY CLOSED MY ACCOUNT WITH NO EXPLANATION, NOR ALLOWED ME TO EXPLAIN ANY POSSIBLE AND OR HARDSHIP, WHICH CAUSED THEM TO CLOSE THE ACCOUNT. 

THEY STATED THAT THEY ARE ABLE TO EVALUATE CREDIT REPORT EVER SO OFTEN AND JUST CLOSE THE ACCOUNT, BUT NEVER CALLED AND OR GAVE ME NOTICE THAT THEY WILL BE CAUSING OTHER ACCOUNTS TO GO INTO DEFAULT BECUASEE CARD WAS TIED TO OTHER BILLS AND AS PAYMENT METHODS
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I had a business account with bank of america, I never used the service, disputed the account, complained about my salesperson XXXX, after going round and round with this bank, they finally closed the account, with a XXXX balance, so I thought, while all this was going on, I filled a chapter XXXX bankruptcy, this account was included, the bank was notified, we gave them the attorney information, they were also notified by the bankruptcy courts, in fact I spoke to the bank directly, want to say about a month ago, which brings me to today, bank of america turned over a charged off business account to a collection agency, which is demanding payment, for an account that was already included in chapter XXXX bankruptcy, our bankruptcy is active/current, there are a few issues with their major mess up, first, they have already been notified of a chapter XXXX bankruptcy, months ago, the account they sent to collections was included, secondly, under an active chapter XXXX bankruptcy, at NO TIME are they allowed to collect a debt, while I am in the plan, which is for XXXX years, furthermore, they sent my account to a third party collection agency, without doing their due diligence, if they would have done their homework correctly, they would have properly documented my account and placed it in the collection que, which they did not, this bank and the collection agency XXXX XXXX XXXX CA XXXX phone number XXXX my file number XXXX, have violated my right under the FDCPA and Bankruptcy protection chapter XXXX ... ... ... ... 

On Thursday XX/XX/2017 I called the collection agency, spoke to XXXX of their XXXX, she was rude, kept talking over me, would not give me an opportunity to fully explain what is going on with this account, told her they bought bad paper, she wanted to argue with me, told me no they did not, she then told me " This is not going to be a XXXX way call '' then without giving me an opportunity to give my attorney information or explain whats going on she hung up on me ... ... ... .. 

This is clearly another violation under the FDCPA for harassment, if the collection agent, would have shut up and allowed me an opportunity to fully explain what was going on, this matter could have been resolved, without me filling a complaint against BOA and the collection agency, I want them prosecuted to the fullest extent of the law ... ... ... ...
Product: Payday loan, title loan, or personal loan

I have an installment loan with the company BBVA, I made a payment on XX/XX/2021 and was told prior to the payment that I qualify for a loan modification to receive a lesser interest rate. The original interest rate for the loan was around 18 %. I agree to the modification and was told that I need to make three months of payments based on the new modification amount, In which idea. I was told that the three modification payments covered XXXX, XXXX, and XXXX. Once the modification was complete it in XX/XX/2021 I received my documents from BBVA stating that my first modification payment was due XX/XX/2021. I spoke to a representative and ask for a payment history on my account, I noticed that nine of the payments that were made prior to the modification all went towards interest none of the payments that I made and Full was applied to my principal balance. In addition BBVA told me even though I was modifying the loan and had made the three payments they had given me until the modification had been completed They would still report late payments to all creditors to ruin my credit history.
Product: Student loan

Fedloan has been a nightmare to work with for several reasons : First, their website does n't give all information pertinent to the loan in question. I recently obtained a student loan for XXXX XXXX. The website stated that all prior loans were in forbearance and showed no interest owed on the subsidized loans. My classes ended in XX/XX/XXXX. Suddenly, in XX/XX/XXXX, interest showed up on the website dating back to XX/XX/XXXX when the program completed for each of the loans giving no chance to pay the interest as the loan progressed. This is fraudulent, in my opinion. If loan interest is being capitalized, it should be reflected on the website. <P/>The website automatically cancels direct debits while the loan is in a forbearance or deferment and does n't allow for payments to be made automatically during this time. Thus, the borrower must manually go online to make payments during those times. Meanwhile, no notification is made to the borrower that the payments have been ceased, so unless the person is actively monitoring the website, it 's impossible to know that the payments are n't continuing. <P/>Most recently, I submitted a request to change the account I 'm direct debiting my payments from as well as my wife 's account. I processed this request more than a week before my payment was due. A week AFTER my payment was due, I got a notification that I was late. The website currently shows that my wife 's next scheduled direct debit is XX/XX/XXXX for double the amount I requested. It also says there 's a manual payment being made in the amount of {$170.00} that is in process. <P/>Additionally, Fedloan will take sometimes up to a week and a half to complete a payment from an account. Meanwhile, the account is earning more and more interest. I believe this is also fraudulent. <P/>Also, as a note on the income driven repayment plan, my wife an I used it exclusively since XX/XX/XXXX when I graduated college. During that time, sometimes it showed that we owed payments of {$0.00} and gave us long periods of forbearance. To have the minimum payments automatically set to far below the interest capitalization is setting students up for failure. A couple of our accounts had accrued hundreds on hundreds of dollars in back interest during that time. It was n't until I began working in the XXXX XXXX that I began to understand exactly what was happening and started to take measures to correct it. This practice is unethical at best and should be illegal. I applied for the same repayment plan with XXXX ( XXXX XXXX ) and XXXX XXXX and neither of those providers gave a payment that was less than the interest owed each month. Even currently, my total owed payment on {$14000.00} with Fedloan is only $ XXXXmonth. That 's insanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX CO, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX F XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. This account was disputed and completed in less than 5 hours. This is an inadequate investigation.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to XACTUS about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/1971. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.