23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federal protected consumer rights. XXXX XXXX XXXX Account number XXXX I looked at my XXXX report a few days ago, and noticed some things are incomplete and not accurate. 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 information concerning the individual 15 USC 1681 ( e ) ( b ). 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g validation is requested from XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Not giving me the information to identify the creditor collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS - 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 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 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 Account Number : XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX for company National Credit System, They received the dispute on XX/XX/2022 and XX/XX/2022. How is it possible to complete an investigation of verified debt without showing proof of how the debt was verified, proof of the original contract agreement, description of the procedures used to determine the accuracy and completeness of the disputed information. I have requested this information from XXXX but they have failed to provide proof of verification of this debt and proof of a debt validation letter.
Product: Checking or savings account

My father passed away in XX/XX/XXXX. He had 3 CD 's with Capitol One. I do not have the amounts as the accounts are to be split 4 ways. I emailed the requested Letter of Instruction along with a copy of my driver 's license on XX/XX/XXXX. As I had not received any funds as of XX/XX/XXXX and my siblings had, I attempted to call them to obtain a status and was told the Bank Estate Operations department did not have phones. I was instructed to email them which I did on XX/XX/XXXX. I emailed them again on XX/XX/XXXX and resent the requested documentation in the event they had not received it the first time. The only response I have received is an automated email stating they received the email. I have not received any other communication nor have I received any of the funds.
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 Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX XXXX5 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 reporting or other personal consumer reports

I recently noticed that an institution named XXXX made a hard inquiry on my credit history on XX/XX/2024. As you may know, hard inquiries remain on credit reports for up to two years and can negatively impact my credit score and future financial opportunities.

I am requesting that this hard inquiry be reviewed and, if possible, removed from my credit report to avoid any potential issues.

Thank you for your assistance, and I look forward to resolving this matter promptly.
Product: Student loan

I have been given conflicting information each time I contact FedLoan. I am a school teacher that has worked in a Title I school for over five consecutive years. I have payed over eight years on my loans and was due to have the rest forgiven within the next two. As a reward for my service, I was granted {$5000.00} in forgiveness ; however, I wasn't told that in doing so I would have to pay another ten years on the loan? That doesn't even mathematically make any sense. Once I discovered this and attempted to rectify, I requested that they add the {$5000.00} back on and allow me to pay off the remaining two years that I agreed to. They offered no resolution. There is no single person assigned to each case and there is no office to go into and speak with someone. Every time I call I get different and conflicting information and no one will assist me in clarification or a resolution. 

The last time I wrote to them and called, they said that I signed a contract ; however, the legal jargon they use is incredibly confusing. I didnt understand the contract ; the people on the phone refuse to explain anything and when they do, its usually wrong. It doesnt even make sense that that option even exists. How are my payments for the last 5 years negated?? It seems now that its simply a way to trap people that dont have law degrees. 

I'm a public servant that is supposed to have the support of the government and instead, I'm being financially abused. I'm in charge of educating our youth and am being punished for furthering myself to be the best teacher I can be. It's not right.
Product: Debt collection

XXXX  XXXX XXXX Account # : XXXX Balance reported {$23000.00} I sent this creditor a certified, debt validation letter on XX/XX/2021 written thoroughly specially asking for proof of documentation of what I owed. I received a letter back from them dated XXXX stating that they were unable to substantiate the allegations of my dispute and provided me with zero documentation. The original lender is Nissan Motor Acceptance and when I contacted them via phone to ask why I had a collection charge off if my Gap insurance had paid this collection off they said, " I can see it in our systems that a payment was made but because the collection is now with XXXX, we can't provide you with any proof because your account no longer exists with Nissan and so you must contact XXXX directly. " Prior to mailing XXXX a letter on XX/XX/2021, I called XXXX directly and asked for documentation supporting the balance they were attempting to collect on and was told by their representative and Manager that they didn't have any documentation and that I would need to contact Nissan directly. I have since sent out a dispute letter to all 3 credit bureaus explaining that not only did this account need to be deleted for not being valid but also needed to be deleted because there were MUTLIPLE inaccurate information being reported from all 3 credit bureaus which are grounds to delete account from my credit report regardless of validity due to inaccurate reporting. I have already started a separate dispute dated XXXX with Nissan  and all 3 credit bureaus to also delete the charged off original lender Nissan account # XXXX off my credit report for inaccurate reporting and XXXX has since been the only credit bureau to delete this account. I am mailing a 2nd dispute on XXXX to attempt to have it deleted from XXXX and XXXX too. 

If the original creditor is beginning to delete the original debt that was wrongfully added to my credit, how can XXXX be allowed to report or attempt to collect on such a large and inaccurate amount? It's hurting my credit and needs to be deleted immediately!
Product: Bank account or service

In 2013 when i was XXXX and a XXXX I opened a bank account with Bank of America under my social security number ***********. My father gave me a check that did not clear. That balance was covered. Later I had another negative balance which my mom covered ( under {$250.00} XXXX. However Bank of America has reported me too XXXX credit bureaus ( XXXX XXXX with a specific notation of fraud. Because of this I have been unable to open another bank account and I am only XXXX. There was no fraud and Bank of America knows this.
Product: Credit card or prepaid card

I disputed the charges listed below, as I did not make them. I believe I was the target of a identity thief. I went through a similar situation with a different account of mine around the time of the purchases listed below. I had not used the account since XX/XX/XXXX and did not notice it was in use until I checked my Credit report on XX/XX/XXXX ( the date I submitted the first time I filed for these charges ) and saw the Balance. When I logged on to the account I saw that my account information had been changed and I updated it immediately. I ve attached images of the Information that was on the account, you will be able to tell that am not associated with any of the Information on those images. 

Date Description Reference # Location Amount : XXXX XX/XX/XXXX Charge XXXX XXXX {$4700.00} XXXX XX/XX/XXXX Charge XXXX XXXX {$1500.00} XXXX XX/XX/XXXX Charge XXXX XXXX {$350.00} The last transaction I made on this account was to pay it off on : Date Description Location Amount : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Payment - {$810.00} -I was held liable on XX/XX/XXXX & XX/XX/XXXX. The representative I spoke with told me the reason I was held liable was because the items were ordered online and picked up on base. She repeatedly cited the company 's policy of checking IDs before Items can be released as the reason I was liable. I asked if there was a way to show that it was my ID that was logged or recorded, she would not give me an answer but kept citing company policy. 

-Through my own inquiries made with the loss prevention department at the XXXX XXXX ( the location the items were released ) I found out a female that is not associated with me calling from a number that is not associated with my account or me, called 7 times about the purchases in the time between the items where ordered online and picked up from the store. I was never alerted or informed about this by XXXX. Also I was informed that no request for security footage was made during the time of the investigation. Also I was told that the exchange in question had fired employees around that time for fraudulent activities and theft. 

-I was able to find out that my account was not showing the exact date and time in which the items were picked up, which is an abnormality. 

-I made repeated attempts to escalate my claim but the I found the same person handled my case both times I submitted. 

-After I was held accountable I made repeated requests to be sent all the Information regarding my claim and decision but the information was never sent me nor were my emails responded too. 

-I also inquired about further escalation after I was given a " final closure letter '' and was told there was nothing I could do
Product: Debt or credit management

I got an email from Company that a loan was applied under my credit card and a telephone bill that was applied to it also on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX back in XX/XX/2009, in the County of XXXX California. I recently noticed after all this time that XXXX  has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX-discharged XX/XX/2009 {$0.00} XXXX US BKPT CT CA  XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy Court XXXX District of California XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

I applied for a refinance mortgage on my single family home in which I reside. 
I have provided information parsimoniously requested of me for the past 4 months. 
I have been strung along on this process being required to increase my home insurance coverage to accomodate Sebonic Financial requirements. I have provided XXXX appraisals demostrating I have well over 40 % equity in my home. When I began engaging with Sebonic Mortgage and Cardinal Financial process my credit rating was very good, I received this email in XXXX from the Mortgage Representative XXXX XXXX, " Finally! Thanks XXXX. I just requested update from lockdesk. I know they are slammed. Will provide update as soon as I hear from them. May not be until tomorrow though. Thanks XXXX. " On Wed, XXXX XXXX, 2015 at XXXX XXXX, XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; wrote : '' Yes, we finally received the verification information. We had to get XXXX to update their records with the third party verification company. ''
Product: Credit reporting or other personal consumer reports

This alleged debt was purchased by another company. I am requesting the original wet ink contract signed by principal XXXX XXXX with this company making her responsible for the said debt. According to 15 USC 1681G it is the company 's obligation to determine the proper identification of the consumer. Please fully identity XXXX XXXX and all provide proof including signatures in contract with your company. If this can not be proven, this account shall be deleted and all communication will cease and desist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Charge-Off XXXX XXXX  Account To whom it concern, I am writing to formally dispute the charge-off notation on my credit report regarding my XXXX XXXX  account, which was opened on XX/XX/XXXX. The account reflects a charge-off of {$5800.00}, with a written-off amount of {$5800.00}, and a past-due status as of XX/XX/XXXX. I believe this reporting is inaccurate and request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. 

Upon reviewing my records, I have reason to believe that this debt has been sold or transferred to a third party. If XXXX XXXX XXXX XXXX XXXXo longer owns the debt, they may no longer have the legal right to report the charge-off balance. As such, I request verification of the ownership and legal XXXX XXXX XXXX XXXX to report this account in its current status. 

Under the FCRA, any information reported to credit bureaus must be accurate, complete, and verifiable. If XXXX XXXX XXXX XXXX is not the current owner of the debt, I formally request the following : Verification of Debt Ownership Provide written documentation that XXXX XXXX XXXX XXXX retains ownership of the debt and has the legal right to report the charge-off status. 
Proof of Account Status If the account has been transferred or sold, provide verification of the entity that currently owns the debt. 
Immediate Removal if Unverifiable If XXXX XXXX can not provide verifiable proof that they are legally authorized to report this charge-off, I demand that this account be deleted from my credit report immediately in accordance with FCRA guidelines XXXX 
I have enclosed copies of my identification, proof of address, and a copy of my credit report highlighting the disputed account for reference.

As required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I expect a response within 30 days of receipt of this letter. If the disputed information can not be substantiated, please ensure its removal from my credit file and provide me with a written confirmation of the deletion. 

Please confirm receipt of this dispute and provide me with the results of your investigation in writing. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with MCMC. This was an illegal repossession followed by illegally reporting on my credit report. Another thing, this was paid repossession ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE THESE REPOSSESSION ACCOUNTS FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX  Balance : {$480.00} XXXXXXXX XXXX XXXX  Balance : {$480.00}
Product: Payday loan, title loan, personal loan, or advance loan

My interest rates is extremely high My was XXXX my pay off interest is XXXX dollars