23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Over the summer of 2023, I was notified my loan was switched from Great Lakes to Nelnet. 

Upon logging in to the system in mid-XXXX to set up auto pay, the processing form reported 'error, your request can not be processed '. I double checked all the information entered ( which was correct ), tried again, and received the same error. I changed browsers - same error. I chalked it up to a systems issue and tried again at varying times over the following two weeks. I also tried using the regular one time payment method, and received the same error message as well. 

Yesterday, I sat on hold for XXXX minutes trying to contact Nelnet and understand what I should do with payments due on XX/XX/XXXX, and no feasible way to ensure payment is processed. Meanwhile, my loan continues to accrue interest that I can not pay off. After XXXX minutes, I had to end the call and return to work. I also submitted an email request yesterday outlining the issue, experience, and process I used. I underscored the need for a quick reply/solve due to the approaching XX/XX/XXXX deadline. I have not even received a response confirming receipt of message. 

I can not believe it is legal for a company to continue accruing interest on accounts that can not be paid on
Product: Debt collection

This Debt keeps appearing on my Credit Report and i do not have any dealings at all with XXXX. Its now showing that i open XXXX XXXX accounts in 2014, I have no XXXX accounts, On my XXXX credit file it was removed but now it appears on my XXXX credit file. I have NEVER received and collection letters from Debt Recovery Solution so i dont see how they are reporting debt on my credit report. Let me be Clear, i have no XXXX accounts at all, no home phone, cell phone, internet etc, Please address my compliant. I would like to receive a written validation notice showing the date and time, where and when, i open these accounts, As i stated before, I have XXXX business with XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I found out that I was a victim of Identity theft. The police were contacted and a report filed, as well as the FTC and the Credit Bureaus. To date Equifax has not removed any of the accounts that have been reported as a result of the Identity theft. I have sent three letters providing them with all of the information request in regards to the Identity theft and they still have not removed the fraudulent information. I am in the price of seeking legal action against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was involved in the XXXX  data breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.
Product: Vehicle loan or lease

XXXX conducted a 3rd party lease end inspection to my car on X/XX/2017 at my place of work. The detailed report online 2 days later indicated {$0.00} in damage. When I returned the car to BMW they noticed modified suspension and charged me over {$2000.00}. How did XXXX not pick this up 45 days earlier? I was not the original owner of this lease, I assumed it from the original owner ( who failed to disclose the changes ). XXXX must be working with BMW because I Was charged for the inflated dealer labor and parts. When I tried to contact BMWFS they kicked me back to the dealer. When I called the dealer they told me to go to BMWFS. XXXX must be held accountable for some of this mess. If they do an inspection they must adhere to that and not go behind the customers back and change the inspection 45 days later. Why do the inspection in the first place? Or why would BMWFS sublet this out to such a terrible company and then not use the original inspection report???
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off account as listen above, please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my report please. The FCRA allows 30 days for this matter to be rectified. 

XXXX XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

To whom It May Concern, I am writing to formally dispute an error on my credit report regarding an inaccurately reported late payment. I recently reviewed my credit report and found that XXXX, Transunion, XXXX has reported a late payment on my XXXX XXXX account, which is incorrect. 

I closed this account in XX/XX/year> with a zero balance, and I have never had a late payment or any outstanding debt on this account. The reported late payment is a mistake, and I request that it be removed from my credit report immediately. 

To support my claim, I have attached the following documents : A copy of my credit report highlighting the error A confirmation letter or statement showing my account closure with a zero balance Any additional supporting documentation I request that this inaccurate information be corrected as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with written confirmation once the correction has been made. 

Thank you.
Product: Credit card

them. I also want to have this so called lawyers office stop contacting me for good and to back office and I will let centennial finance know what I want and that is I want to have about two months to get the full amount of what is owed and that I will pay the amount in one payment but I want them to take me office of all XXXX credit reports and to put me in good standing and to give me a new card with a new deal because I did not receive a lot of statements at all.This is what I want and feel is a gooway for both sides to be happy.
Product: Credit card or prepaid card

I have been barred from the control to to pay this company for years unless I went to an military installation to pay them. Due to my line of work which keeps me on the road my payment dates have been late XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Constantly going on a military post to make payments is never convenient. I called, mailed and ask them to fix this. This also had made my score go down with my payment history and has caused me to be in a position where I am not able to get a position or the loan I need because of they way it looks with this company payment history. All because they will not allow me to pay by electronic method buy forcing me to go out my way to the military installation to pay my bill when I can do it by online payment.
Product: Payday loan, title loan, or personal loan

Sofi is not following truth in lending guidelines unfair lending practices I applied to Sofi for a loan and they denied me my own credit with a adverse action letter in which I know I am the original creditor and you cant be denied your own money this is my own money I am receiving from Sofi also Sofi has discriminating against consumer XXXX XXXX
Product: Student loan

I have been having problems with na vient for a few years now and have made complaints before with you guys then sent an email that it will get a follow-up in so many days and nothing and these type of non communications have been going okn for a year until it affected my credit and then there are increase that the complaint line could not answer by phone or email all of which i have. Please help me
Product: Credit card or prepaid card

My card was charged on XX/XX/20. The order was cancelled on XX/XX/20. Seller printed a label on XX/XX/20. The seller ignored complaints to the XXXX and the FTC. They only responded After a complaint was filed with the FBI.After to many emails to count, USPS did not receive the items until XX/XX/20. A second shipment was made on XX/XX/20. The seller informed the XXXX  that I would not be charged for either shipment, as per FTC regulations. Chase Bank refuses to credit my Visa card.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

Your agency is in violation!

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: Payday loan, title loan, or personal loan

XXXX XXXX incorrectly charged me late fees for all my bill payments made on time. My XXXX XXXX account number is XXXX. 
I purchased furniture from XXXX XXXX at their XXXX, CA location in XX/XX/XXXX. They suggested I finance for a 0 % interest for 12 months loan through XXXX XXXX. The promotion required that I pay a minimum monthly fee to be received by XXXX XXXX before XXXX on XX/XX/XXXX of every month. I setup a recurring epay from my bank, XXXX XXXX XXXX XXXX ( XXXX ) on the XX/XX/XXXXof every month. To my dismay, I received a billing statement that my payments were late and that I was charge penalty. 
I contacted my bank, XXXX who told me that all my payments to XXXX XXXX were made before XXXX on the XX/XX/XXXX of every month. I have documents which indicate that all payments were made by DCU on time. However, XXXX XXXX continued to charge me for the late payments and the interest from the late payments. 
I have proof from XXXX that all payments to XXXX XXXX were made before the due date and time. However, XXXX XXXX may have processed these payments late and charged me the late payments.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account and Request for Additional Information To the XXXX Executive Office of Customer Care : This letter is a formal dispute and response to your letter dated XX/XX/year>, regarding the alleged loan obligation and related legal action on my XXXX  account. I appreciate your detailed response and the information provided, but I respectfully request additional clarity regarding the following matters and assert my rights under federal and state laws. 

Dispute of Debt under the Fair Debt Collection Practices Act ( FDCPA ) I understand from your letter that XXXX maintains that the FDCPA does not apply to this account as XXXX is the original creditor. While the FDCPA ( 15 U.S.C. 1692 et seq. ) generally applies to debt collectors rather than original creditors, I respectfully request that XXXX verify and provide clear documentation to ensure compliance with federal standards, especially as my account has been assigned to a third-party law firm for collection. 

Fair Credit Reporting Act ( FCRA ) Compliance Under the FCRA ( 15 U.S.C. 1681 et seq. ), I am entitled to the right to dispute the accuracy of information reported to credit bureaus. If there is an alleged judgment or charge-off reported on my credit history, I formally dispute its accuracy and request that XXXX conduct an investigation in accordance with FCRA requirements. In addition, I ask that you provide me with any specific details and documentation that confirm the accuracy of the information reported to credit bureaus. 

Request for Comprehensive Documentation and Validation of Debt While you included the original loan agreement, judgment, and payment history, I request the following additional documentation to validate the debt in question : XXXX. An itemized statement showing the total amount financed, interest accrual, payments received, and remaining balance. 
XXXX. All communications sent to me regarding any missed payments or charge-offs prior to the lawsuit. 
XXXX. Confirmation of the law firms authority to collect on behalf of XXXX. 
XXXX. Details of any insurance premiums or fees added to the loan principal and their impact on the loan balance.
Product: Vehicle loan or lease

I bought a car from Auto Credit of VA in XXXX, I could no longer afford the car, so it was repossessed in XXXX. For years now Auto Credit have been harassing send documents to my home, places of employment, and my family homes currently and its now XXXX. They threatened me back in XXXX stating that they will always find me and that they would ensure they garnish all of my wages. The representative at the time said we will never leave you alone and this was word from word. Since then, they have done just that. They have taken me to court over XXXX times since the car has been repossessed. I've tried to work out payment plans but they never answer my voicemails when I leave them. But they always send judgments and garnishment papers to me with my SS number on the documents. I've asked them to stop sending papers to my home leaving them on my door with my full security number out, this is highly unacceptable. I am in the middle of bankruptcy as we speak and this is my 3rd paper sent to my home and old place of employment. At this time, I feel very uneasy, and I feel very harassed. I am a single mom with XXXX kids with no help and them steady harassing me to take my wages. Please reach out or respond ASAP as the company has been unprofessional and threating since XXXX.
Product: Debt collection

Getting phone calls repeatedly from a company calling itself " Improved Data Services, LLC '' about a debt. They told me on the phone they were not allowed or willing to send me a written verification of the alleged debt but wanted my bank account number immediately. Have called me as many as ten times per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter on XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.
Product: Bank account or service

I have a Chase Premier Plus Military checking account that has occurred unwarranted overdraft fees. I maintain that I am not responsible for these fees because ; 1. I had opted out of Chase 's overdraft protection service prior to the overdraft occurrences, and, 2. Chase had suspended my ability to log on to my online account and/or complete an account balance inquiry over the telephone. I have contacted Chase Bank several times to request that the fees be credited back to my account. Each of my requests has been denied, therefore I turn to the CFPB for assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I'm aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law. 
Recently, the consumer financial protection bureau found a lawsuit against all credit Bureaus for his failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices as outlined by the CFPB include. 

Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously Disputes and inaccurate information without explanation, failing to notify consumers about investigation results effectively. 

These allegations highlight systematic issues that directly undermine consumer protection and perpetuates the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mis handled in similar manner. Please. 
Review the inaccurate information being reported under the FCRA, you are required to conduct proper investigations. Accounts must be accurate on all credit reports reporting ACCURATELY. When reviewing my report there are many inaccuracies reporting
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian are reporting adverse information on my credit report despite me sending debt validation letters to the company and them not responding with information requested. 

on XX/XX/XXXX i requested in my letter sent certified mail I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following from you : 1. Validation of the account ( Actual Accounting ) 2. Verification of your claim against me ( a sworn affidavit or hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes, and the Federal Fair Credit Reporting Act.

3. A copy of the contract signed by both parties therefore binding both parties 4. Please also provide me with a true certified copy ( NOT photocopy ) of the original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this note has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account.

I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud and or mischief. Your said failure to provide the documentation within ten ( 10 ) days, from the date above, to validate the debt, will constitute your agreement to the following terms : That the debt did not exist in the first place ; or It has already been paid in full ; AND That any damages suffered, you will be held culpable ; That any negative remarks made to a credit reference agency will be removed ; You will no longer pursue this matter any further.

You agree to pay all fee schedules.

Please note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, those calls could constitute harassment and I may take action under Section 1 of the Protection from Harassment Act XXXX. 

As such, my account was closed XXXX with no other updates since then.
Product: Mortgage

Started a claim with XXXX XXXX against Santander bank to correct the issue. Came back as updated but nothing changed. Filed a second time with XXXX XXXX and spoke with XXXX XXXX directly on two occasions. Dispute Came back a second time as completed but nothing was changed. The Santander bank confirmed the loan is for a mobile home with no real estate and land is owned by town of XXXX. I want them to show the loan for what it is. They are listing it as second mortgage which is not lawful as it is merely an installment loan on a mobile home. I believe they purchased the loan from XXXX XXXX  originally and the classified it as a mortgage for their own benefit or bookkeeping. The classification of a second mortgage implies Im over leveraged on my home mortgage as no address or information showing it is a mobile home on private land ( not owned by me ). This information is misleading, incorrect, and likely unlawful yet they will not change it as viewed on the credit report. A third dispute has now been filed with XXXX XXXX and they are requesting the information in writing but I have no hope things will change as it has not for last XXXX disputes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone gained access to my personal information without my consent and applied for credit. As a consumer this violates my rights. Hard Inquiries 18 USC 1028A Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. These unauthorized hard inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law.

15 U.S.C. 1681b ( FCRA ) : Limits access to a consumer 's credit report to specific, permissible purposes.

15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.