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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY AZ XXXX CHILD SUPPORT Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Checking or savings account

Bank is illegally withholding my funds and will not release them and also won't let me close my account.
Product: Student loan

Navient emailed me in XXXX asking if I needed a forebearance. I replied yes. They are now calling me, my wife, my parents asking for money. 

I replied to an email from Navient in XXXX asking them to send me any information I needed to make my account current. They never responded. 

They have destroyed my credit report, and is unwilling to fix it. They keep calling my relatives for information.
Product: Credit reporting

I was unaware of the tax lien as I lost my job and switched apartments to save money. I found out about the lien AFTER I started working in XXXX XXXX XXXX XXXX at which time they lien/garnished me in a coercive approach that gave me no options in XX/XX/XXXX. I saw that it was removed in my XXXX account, then I saw it re-appear with XX/XX/XXXX at a date instead of XX/XX/XXXX. Should n't this be off my record by now? Not only did the government get its money back but it contributed to my becoming unemployed. Please help. 
I thought these items were removed if not close to their expiration date on my credit report and now they seem to be re-animated " zombie '' debt. 
Please help me fight this or explain what I am doing wrong. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

These two accounts do not belong to me and I have been sending letters to remove these from my credit report. I did it multiple times, but I did not receive any response or result regarding their investigation or if they have investigated the matter. 

Please remove these ACCOUNTS AND INQUIRIES. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX.
Product: Vehicle loan or lease

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX XXXX CFPB File # XXXX NMAC Account XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing in response to the letter provided by Nissan Motor Acceptance Company LLC ( NMAC ) dated XX/XX/XXXX, regarding my consumer complaint. NMACs response is wholly inadequate and fails to address the fundamental issue : why they are pursuing a deficiency balance of {$5700.00} when I fulfilled all terms of my lease agreement. 

NMAC claims that my lease, which began on XX/XX/XXXX, for 36 payments of {$170.00}, was fully executed per contract terms. If that is true, then why are they unlawfully reporting a charge-off balance when I paid in full? They provide no legitimate explanation for this balance, no breakdown of how they arrived at this amount, and no justification for why they continue to pursue it. Instead, they hide behind generic statements about credit reporting obligations under the Fair Credit Reporting Act ( FCRA ) while failing to explain the basis for their inaccurate reporting. 

Furthermore, NMAC 's attempt to deflect responsibility onto credit bureaus is both misleading and unacceptable. NMAC is the entity furnishing inaccurate information to credit agencies, and they are responsible for correcting any errors. This is not a matter for XXXX, XXXX, or XXXX to resolvethis is NMACs obligation under federal law. 

Their statement that they can not assume the risk of customers experiencing personal setbacks is irrelevant to my case. There was no default, no unpaid balance, and no deficiency. This balance appears to be fabricated, and their refusal to correct it constitutes unfair, deceptive, and abusive practices ( UDAAP ), as well as a potential violation of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA. 

I demand that the CFPB require NMAC to : Provide a detailed, itemized accounting of how they arrived at the alleged {$5700.00} balance. 
Explain why they are still attempting to collect on a fully paid lease. 
Immediately cease all negative reporting regarding this alleged charge-off and correct my credit file. 
Provide legal justification for their actions, including any statutes or contractual clauses that support their claim. 
If NMAC fails to comply, I request that the CFPB escalate this matter and take appropriate enforcement actions against them for their clear abuse of the credit reporting system and potential violations of federal law. 

I expect a prompt and detailed response outlining how CFPB intends to address this unlawful conduct. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Back on XX/XX/2015 someone deposited bogus checks into bank of America account and then attempted to withdraw the funds. I have on multiple occasions spoken to bank of America and have gotten nowhere. If I committed fraud I want them to prove that I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has had a leak of personal information and I 've been included in the peak. Their irresponsibility will cause me to use my own time and money to protect myself and fix any problems with my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX This account does not belong to me.
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of an account listed under the name XXXX XXXX on my credit report. I have never entered into any contract, agreement, or financial obligation with XXXX XXXX, and therefore, this account is being reported in error. 

Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), I am requesting verification of this account, including a signed contract or agreement that proves my obligation to XXXXXXXX XXXX. If no such documentation can be provided, the account must be deleted immediately under CRA 611 ( a ), which mandates that credit bureaus remove unverifiable or inaccurate information.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting debt validation from XXXX XXXX. If they can not prove I owe them a debt, they are in violation of the law, and this account should be removed from my credit report. 

I have enclosed a copy of my credit report which does not list XXXX XXXX as a party to my debt. This further proves that XXXX XXXX has no legitimate claim to my financial obligation. 

Please delete this account from my credit report as it has been well over 60 days and is required by law. If this error is not corrected, I am prepared to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.
Product: Credit card or prepaid card

I was charged an annual fee of {$59.00} on XXXX XXXX, 2022 for the Capital One XXXX credit card. 

On XX/XX/2022, XXXX days after the annual fee posted. I called a representative to request cancellation my card and refund of the annual fee. Per the terms of the card, the annual fee can be refunded if the card is cancelled fewer than XXXX days after it posts on the account. The representative proceeded to close the account and assured that the fee would be refunded. 

On XXXX XXXX, 2022, I noticed that my account was still open and the annual fee was still being charged. I called a representative to inquire about this, and they said that they will no longer be able to refund the fee as it has been more than 40 days after the fee posted. The credit card account had also not been closed. 

There is evidence on my account that I called on XXXX XXXX, 2022 as a {$0.00} XXXX XXXX points redemption posted on my account. This is a redemption that I can not make on my own as there is a minimum point redemption amount that is greater than {$0.00}. The agent made this redemption at the time. The screenshot is attached. 

There is also evidence on my phone of an outgoing call to ( XXXX ) XXXX, the Capital One customer service number, on XX/XX/XXXX during which I first attempted to close the account and obtain a refund of the annual fee. The screenshot is attached.
Product: Credit card or prepaid card

I am experiencing significant stress and XXXX  due to this issue, and it is interfering with my ability to sleep properly. I implore you to rectify my account as soon as possible.
Product: Vehicle loan or lease

GRANDVIEW FINANCIAL SE Account Type Installment Loan Terms 48 Months Payment Status Details Charge-off Status Updated XX/XX/2014 Balance {$8600.00} Past Due Amount {$8600.00} Contact Phone ( XXXX ) XXXX-XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, CA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$12000.00} i returned the card to them and they told me i won't have any balance left on my credit report after i gave the car to GRANDVIEW FINANCIAL SE i saw that there was a cargeoff account on my credit report i contact them they told me there is damages on the car but they didn't tell us anything when we returned the car. so please ask them to remove this negative information from my credit report.
Product: Debt collection

On approximately XXXX, I received an alert from XXXX that a change happened on my credit report. Its from Debt Solutions Recovery on behalf of XXXX XXXX. Funds were dispersed on XXXX for {$1800.00} I received a letter from DSR a few days later that says I owe in excess of {$3600.00} An email was received from DBS and I insisted bit wasn't me, but they said their client needs a police report. 
I filed a police report on XXXX, report # XXXX. 
I supplied the Detective the contract irroneiously done. Contract # XXXX. 
The Detectives investigation found the IP address was from Missouri, not Utah where I reside. 
The Detective suggested I contact the FBI because this is identity theft was a Federal offense since it's across State lines.
Product: Checking or savings account

TO WHOM IT MAY CONCERN : On XX/XX/2018 XXXX charged my Chase Bank debit/credit card via an auto renewal. I never set up auto renewal and they only had my card because of other services I had purchased. I contacted XXXX to follow-up on the unauthorized charge. I informed the the XXXX representative, the day I originally set up my domain with XXXX, that I spoke with a XXXX rep on the phone when setting up my website, that I did not want auto renewal because I often don't have sufficient funds in my account and I also like to keep the decision to renew. I was told to dispute the auto charge with Chase Bank per XXXX, as they noted that they could not refund the charge. 

On or about XX/XX/2018 I contacted my bank to dispute the charge, as I was instructed to do that by the XXXX representative. Chase bank issued a reversal and credited my account for {$200.00}. 

On or about XX/XX/2018 Chase reversed my {$200.00} credit and debited my account. I called Chase Bank and the representative instructed me to follow-up with XXXX as they were the ones that had my funds. 

I followed up with XXXX and the said the funds had been refunded on XX/XX/2018. My XXXX billing history reflects that amount being credited to my account and yet there was no corresponding credit made to my Chase Bank account. 

I followed up with my Bank in XX/XX/XXXX. The reason for the late follow-up was that I was hospitalized for four days due to a XXXX. I spoke with a Chase Bank representative and they put me in contact with a customer representative via phone. They told me the funds were not with Chase Bank and I should talk to XXXX. So they just keep saying the other has the funds and I should contact the other. Chase bank shows the money as being paid to XXXX and the XXXX billing shows the money as being credited to my Chase Bank card. One or both of them are lying and have my money.
Product: Mortgage

My Original mortgage was taken out ( interest was 6.4 % ) in XX/XX/XXXX for 30 years fixed term. In XX/XX/XXXX while I was on XXXX, the bank modified the mortgage. The term was extended to 40 years with interest rate of 3.4 %. The lender included a new mortgage clause ... ( adjustable interest rate after 5 years. ) I protested against this clause. The lender assured me verbally that as interest rate will be lower after 5 years, it is in my interest to accept adjustable rate. As they have undue advantage and my health was bad, I have to accept whatever they verbally said. After 5 years, they increased my rate to 6.4 % again, and then sold my mortgage to a new Corporation. I tried to deal with the new company, but they refused to modify my mortgage on the basis that my income is too low. Although, my income is slightly more than what was in XX/XX/XXXX. They did modify with same income i XX/XX/XXXX but refuse to do it again in XX/XX/XXXX. After that my mortgage was sold back to original lender. I again approach to the original lender but they refuse to modify my mortgage as my income was too low. ( But they did modify inXX/XX/XXXX with the same income. ) The process they adopted in XX/XX/XXXX, should be followed up after XX/XX/XXXX.b but they refused it saying my income is too low. My Federal income is just under {$1200.00} per month, out of this amount approx. 2/3 goes in mortgage payment. The mortgage payments contains almost all INTEREST earned by the Bank. It is very unfair. Government help is taken away from me by charging me sky high interest by the Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a letter to the credit bureaus, asking for a credit investigation. They were supposed to respond within 30 days, but I have not received anything from Equifax or XXXX.
Product: Credit reporting or other personal consumer reports

I discovered inaccuracies on my credit report related to 15 USC 16c-2. The inquiries shown were not approved by me, and this is negatively affecting my credit. I kindly request that all unauthorized hard inquiries be removed.
Product: Credit reporting or other personal consumer reports

I did not give these lenders to rub my information in their data base I am wanting these hard inquiries to be deleted because I did not authorize these companies to run my credit at all this is FRAUDULENT
Product: Credit card

From XXXX XXXX till XXXX XXXX I had an account with a limit of {$2500.00}, soon raised to {$2700.00} dollars.The highest I ever had the account was just over {$500.00}. I was never late with a payment and in good faith made twice the payments needed, most well over the minimum asked for. Of those XXXX payments XXXX bank drew from the wrong account, the one I had closed. The moment I was made aware I corrected it and resent a payment from the correct bank, XXXX XXXX. Never ever, even with XXXX screwups, was I late on a payment. Yet because of XXXX screwups my account was abruptly closed, and with XXXX reputation I 'm sure you 'll try and XXXX with my credit rating for your own amusement.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, KY has billed me just over XXXX dollars ( the amount changes based on whom you speak to ) for an ultra sound they conducted on me at my Doctors request on XXXX XXXX, 2015. At the time of service I paid my required co-pay. The Insurance company paid them approx. XXXX dollars less than the hospital wanted. It seems the hospital is trying to bill me the difference and has sent it to a collection agency called GLA collection ( XXXX XXXX XXXX XXXX, KY XXXX ). I have made payment arrangements with the collection company, but after investigating this I have learned that they are billing me for the difference. No one at the hospital told me that my insurance would not cover all the procedure. They took my copay and they took the insurance companies money for payment. Payment was given to them, and they do not have the right to collect more money, after agreeing to take the money given by insurance and me.
Product: Debt collection

The original amount was {$2500.00} and now its {$3400.00}. The amount increased due to the debt collector buying it out in XXXX of 2022. I am filing a complaint against XXXXdelity Creditor Services for inaccurate credit reporting and failure to remove collections from my credit report. Despite multiple dispute letters sent to both Fidelity Creditor Services and the credit bureaus, the inaccurate collection account remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, Capital One, and Kohls Capital One. The Account Opened is XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is Kohls Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Checking or savings account

I bought a CD on XX/XX/XXXX for {$100000.00}. In XX/XX/XXXX, I had a personal crisis and told the company ( US Bank ) that I wanted to cash it in. They sent me {$98000.00}. 

I had the money deposited for three years and they sent me {$2000.00} less than I deposited? 

I do not think this is fair and wrote them explaining why. 

They told me I would not receive any more money! 

I think this is horrible and probably fraudulent. 

Please help me get more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet there are accounts still passed on that should be taken out. Per FCRA segment 605 you are expected to delete any records. I've proactively remembered this report for a past letter and I am including it once more. I will take legal actions regarding my aims. The following accounts needs to be removed : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$980.00} ; XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00}.
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 XXXXXXXX has violated my rights. 
Dept Of Education/XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
USDOE/ XXXX XXXX has violated my rights US DEP ED XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by N.vy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern, Your company is in clear violation of Federal Law. According to 15 U.S.C 1681a ( d ) ( 2 ) ( i ) A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. My consumer report containing credit Utilization and a credit balance are transactions and experiences. Delete the credit Utilization and a credit balance from the follow accounts immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX Failure to do so within 10 days will result in me seeking relief to be granted in my favor against your company and damages sustained by me in the amount of {$10000.00}.