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

The validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago, I requested an investigation as I believed that certain items were not being reported However, I received a letter a couple of days ago stating that your investigation was complete and that the items listed above were verified. I am requesting that you explain to me how you conducted your investigation and provide me with your method of verification. 
In your response, please include the following details : XXXX. Please explain what your representatives uncovered to lead them to believe that the item ( XXXX ) were being reported legally. 
XXXX. What certified documents were reviewed to conclude your investigation? 
XXXX. Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. 
XXXX. What was the cost incurred by your company to obtain the documents needed to complete your investigation? 
XXXX. Please provide proof of your timely procurement of certified documents. 
XXXX. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. 
XXXX. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. 
XXXX. Provide the date of the commencement of delinquency. 
XXXX. Please provide the specific date on which the items will cease to be reported. 

I respectfully request a notarized affidavit confirming that the information provided is true and correct, as per my civil rights granted under several federal laws. Please note that a form letter response will not be acceptable, and if you can not supply all of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or the requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. I have recently studied constitutional consumer protection laws along with civil/federal court procedures, and I will represent myself pro-se and will formally request a jury trial. 
Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$9000.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 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

My XXXX XXXX bankruptcy order dismissing the case was filed by the bankruptcy judge XX/XX/XXXX. On XX/XX/XXXX it was approved that the chapter XXXX case be statistically closed. I filed Chapter XXXX bankruptcy on XX/XX/XXXX and it was discharged on XX/XX/XXXX. I was approved for an auto loan in XX/XX/XXXX by a dealership lender & I traded-in and bought another vehicle in XXXX XXXX & financed this auto loan with my personal XXXX XXXX XXXX  In XXXX XXXX, I was denied for a credit card by my credit union for an active chapter XXXX bankruptcy even though they pulled credit 2 months earlier & no saw no active bankruptcy. They said they were using a new credit reporting company and they needed proof of it being discharged. The same day I emailed copies of the judge 's orders and was approved right after. This was a first this had been brought up and assumed they had just made a mistake, so I didn't think much about it until now. XX/XX/XXXX I applied for a store credit card and received an email the next day notifying me that I was denied for active XXXX Now, I have to physically mail a dispute letter, my proof, and then wait weeks for this to " hopefully '' get corrected. What shocks me even more is that I currently already have two other open credit accounts with this same bank and my pervious XXXX XXXX loan. I pulled all three credit reports and I seen it was reported to one credit reporting agency as " Filed '' and immediately filed a dispute with that credit agency. Within my report it states they receive their bankruptcy information from a furnisher, LexisNexis. I have called the bankruptcy automated info line and confirmed it states both cases are dismissed/discharged. How after 4 years since a dismissal can this all the sudden be reported as active on my credit report?
Product: Student loan

Problem : On XX/XX/2023 I reviewed my loan balances on the MOHELA website. The website stated I had {$6300.00} in interest on my account that accrued during the COVID-19 0 % interest payment pause. 

Action taken : On XX/XX/2023 I called the main customer service number and communicated the problem to a service representative. He spoke with his mentor and his mentor stated the interest amount was correct, that this was interest that I owed that had accrued on my loans. I stated that 3 of the loans had been paid in full during the pandemic. The payments I made were reimbursed to me ( per my request ) and only totaled the principal balance of those 3 loans. Since this all occurred during a 0 % interest period, there would be no mechanism for the balance to have accrued interest. I asked for my call to be escalated. The service representative escalated my call to the Resolutions Department.

I told the representative of the Resolutions Department that I had loans that accrued interest during the 0 % interest payment pause. The Resolutions Department representative stated my loans should not have accrued interest during this period and said the error would be corrected. The representative did not ask for any additional details. I asked if MOHELA would review my entire account to assess for incorrectly applied interest. The representative said yes. She said it would take 5-7 business days. 

As of XX/XX/2023 the {$6300.00} in interest accrued during the COVID-19 0 % interest payment pause remains on my account. 


These are my loans and the amount of interest added during the 0 % interest period : Loan 1 Dispersed : XXXX Principal Balance : {$6400.00} Interest : {$100.00} Loan 2 Dispersed : XXXX Principal Balance : {$13000.00} Interest : {$210.00} Loan 3 Dispersed : XXXX Principal Balance : {$20000.00} Interest : {$0.00} Loan 4 Dispersed : XXXX Principal Balance : {$15000.00} Interest : {$0.00} Loan 5 Dispersed : XXXX Principal Balance : {$5100.00} Interest : {$0.00} Loan 6 Dispersed : XXXX Principal Balance : {$3100.00} Interest : {$0.00} Loan 7 Dispersed : XXXX Principal Balance : {$6800.00} Interest : {$1200.00} Loan 8 Dispersed : XXXX Principal Balance : {$19000.00} Interest : {$3600.00} Loan 9 Dispersed : XXXX Principal Balance : {$6800.00} Interest : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX XXXX, I sent a dispute via CFPB to delete all the accounts the were inaccurate on my credit report that was not 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 account # XXXX, has violated my rights because the account payment history shows that the account has gone into collection every month to present. Th account only can go into collection once, thus making this account inaccurate. Please delete now. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate and date opened is inaccurate. Please remove now. 
XXXX account # XXXX, has violated my rights because the account payment history shows that the account has gone into collection every month to present. Th account only can go into collection once, thus making this account inaccurate. Please delete now. 
XXXX XXXX account # XXXX, has violated my rights because the account payment history shows that the account has gone into collection every month to present. Th account only can go into collection once, thus making this account inaccurate. Please delete now. 
XXXX XXXX account # XXXX, has violated my rights because the account payment history shows that the account has gone into collection every month to present. Th account only can go into collection once, thus making this account inaccurate. Please delete now. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate and was reset because the account went in collections in XX/XX/XXXX and went collections again in XX/XX/XXXX. This is illegal and makes this account in accurate. Please remove now. 
XXXXXXXX XXXX XXXX  account # XXXX, has violated my rights because the date of last active is inaccurate, and the date opened is inaccurate. 

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.

I have disputed these accounts on my credit report before and these accounts are still there. This is a violation under the Fair Credit Reporting Act Delete these accounts.
Product: Debt collection

I am receiving several calls a day from  Midland Credit. I have not received any correspondence via mail regarding any uncollected debt. I do n ot have any uncollected debt. They are not leaving me any voicemails. I can not reach a person to speak to. Most recently, on  XXXX / XXXX / 17 , they called my father. I am a  XXXX   year old h omeowner who makes a  XXXX  figure salary. I now see that this so-called debit is affecting my credit.
Product: Mortgage

We have done everything that Us Bank has asked us to do and they still will not work with us. We have hired an Attorney and a Meditation Consultant.
Product: Vehicle loan or lease

Good Day, I did pay off my Car loan with TD Auto finance institute. I paid off everything on XXXX XXXX everything is settled at their end too. after a week of payment i called for the Title, they said it will be release in some time call them week after. i did the same, this time they said, there is issue with your file address hence PA can not release title electronically, and that has to first come to TD and TD will send this title to you. They asked me to wait for a week again. I did that, when i call them on third week, they said they hv received the title ( XXXX XXXX ) and it is with TD now. they are in process to send it to me. I will be receiving title in 5 to 7 days. I hv waited for give time and since then i am calling them every week to know where we are, but they have no clue and keep telling me 5 to 7 days. they do not have ETA when can i get my title. Please help me with this. 

Thank you!!!
Product: Debt collection

I cancelled an account with the XXXX XXXX and later received a letter from ARM Solutions about a debt collection for {$10.00}. I was never informed of any outstanding balance from the XXXX XXXX at the time I stopped the service and paid the amount owed to ARM Solutions but I wanted to make someone aware of the situation before it happens to someone else.
Product: Debt collection

On XX/XX/XXXX I returned a phone call because Id received a strange message from a number indicated as XXXX where an XXXX claiming to be from XXXX XXXX was calling to inform me that theres a docket number XXXX however not regarding where, what for, why just Id only be given two attempts to resolve so of course I wanted to know what was going on. I became sick from my nerves because of this message seeing as theyd called after hours and left this voicemail Id figured it was something I was missing I called that number back where no one not one would fully confirm to what establishment I was calling to. 
They transferred me to a male where he basically was trying to get me to agree to pay a debt thats way past Statued of limitations/time barred saying its for Bank of America .

I dispute this claim seeing as hes mentioning under Florida law theres no Statued of limitations on this debt where I question him since Ive only returned to Florida after 20 years and only been back to the state not even 2 years and I havent had any affiliation with Bank of America perhaps over a decade. He was telling me they were going to garnish my wages despite the fact that I disclosed Im XXXX, on XXXX, not working and theres definitely a Statued of limitations here and he claims the case was opened in XXXX where again Ive not had ANY active account with them for a very long time so Hes talking over me, threats, trying to scare me and tries to say I knowingly wrote a bad check and I stopped him saying who writes checks anymore and again hes wrong this isnt a mediator this is a lying debt collector because all this is invalid. Hes reading me my social security number trying to get me to confirm my address here and old address trying to get me to pay or their coming for me and all of this is false. 
I know XXXX XXXX XXXX have been harassing me as well as Ive put in credit disputes indicating the same on Statued of limitations but its not been any Bank of America on my reports so thats false information and scamming beside the fact these companies continue to XXXX me when Im not working, theres a Statued of limitations on them it has to be from XXXX any debts XXXX XXXX wouldve purchased and with each dispute their marking it as new debt in my reports when it is NOT and I dont have ANY Bank of America account in years years beside which Im XXXX contingent, XXXX, XXXX and their ruining my credit further Im trying to fix where not to Bank of America or ANY old original debtor have I ever meaning NEVER have I given permission to sell my information to any third parties and all my secure information as in social security etc I want it to stop
Product: Credit card

I signed up for a no annual fee credit card through Bank of America with a 0.00 % introductory APR for 12 months. However, I am being charged a {$1.00} " Minimum Interest Charge '' on my statement every month. I called customer service the first time I noticed it, and they promised to remove the charge, but this has continued to happen every month since. " Minimum Interest Charge '' is described in their credit card agreement as, " If the total of the interest charges for all balances is less than {$1.00}, then a Minimum Interest Charge of {$1.00} will be assessed on the account. This fee is in lieu of any interest charge. '' I have accrued {$0.00} interest thus far due to my promotional APR rate of 0.00 %, and {$0.00} interest should not fall under this definition of Minimum Interest Charge.
Product: Checking or savings account

I opened a capital one 360 savings account and never received the promised interest rate of about 4 % ever. I was also promised about {$300.00} for opening a checking and depositing XXXX direct deposits of {$500.00} or more and i never received the additional {$300.00} as well. i believe this company is using tactics to get customers to open savings and checking accounts but not fulfilling the promises in hopes that the consumer will just forget and move on.
Product: Credit reporting or other personal consumer reports

The late payments shown on my report are mistakes. Please fix and update the account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Civil Liability for Negligence under 1681o Non-Compliance I am writing to formally dispute the claim regarding my credit report that was reported to your agency. The account in question is [ account number, if applicable ] and I believe that this account is inaccurate due to a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which pertains to civil liability for negligence.

The account in question has been reported in a manner that is inconsistent with my understanding of the situation and the facts. I believe that your reporting practices, as they pertain to my information, were negligent and did not comply with the standards outlined in the FCRA, which has caused damage to my credit profile.

As per Section 1681o, I am requesting that you correct the error and provide evidence of your compliance with the necessary procedures in verifying the accuracy of this account. Failure to do so would be a direct violation of the FCRA, which entitles me to both an amendment of the record and potential civil damages.

Please investigate the matter and provide me with the following information : Verification that the information reported is accurate and that it complies with the standards of FCRA.

Evidence of compliance with reasonable procedures to ensure the accuracy of the information.

Any documentation or records pertaining to the reporting of this account.

Please respond within 30 days of the receipt of this letter, as stipulated by the FCRA. If the information is not corrected within this time frame, I will be forced to take further action, including seeking remedies under civil liability for negligence as outlined in Section 1681o of the FCRA.

I look forward to your prompt attention to this matter. Thank you for your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX XXXX {$2600.00} ACCT XXXX XXXX {$6300.00} ACCT XXXX XXXX XXXX {$4200.00} ACCT XXXX XXXX  XXXX {$21000.00} ACCT XXXX XXXX XXXX  {$1300.00} ACCT XXXX XXXX XXXX  {$2800.00} ACCT XXXXXXXX XXXX XXXX {$13000.00} ACCT XXXXXXXX XXXX  {$3100.00} ACCT XXXX XXXX  {$410.00} ACCT XXXX XXXX  {$680.00} ACCT XXXX XXXX  {$170.00} ACCT XXXX XXXX  {$350.00} ACCT XXXX XXXX  {$26.00} ACCT XXXX XXXX  {$38.00} ACCT XXXX XXXX  {$330.00} ACCT XXXX
Product: Credit card or prepaid card

Discover has insufficiently addressed my dispute XXXX. The order in question clearly indicates that the item was returned successfully and refund should be fully issued ( XXXX ). In this order, I was charged successfully for two monthly payments- one payment of XXXX XXXX XXXX and one payments of {$63.00} on XX/XX/XXXX. However, I have only received a refund of {$95.00} from the merchant. Upon careful examination of my transaction history with Discover, it is unmistakable that there is an outstanding credit amount of {$63.00} yet to be processed ( XXXX XXXX ). 

It is essential to emphasize that the {$180.00} displayed on the merchant 's order page solely represents the remaining payment balance and not the amount I have already paid ( Remaining Balance ). 

Moreover, my interaction with XXXX customer service on XX/XX/XXXX corroborated that a pending refund of {$63.00} remains unprocessed in the merchant 's account ( XXXX XXXX ), but somehow merchant indicated they have resolved it with my card issuer, which is Discover Bank XXXX XXXX Response ). 
It is disconcerting that your team has managed to exacerbate the situation for your customer. This demonstrates a concerning lack of competence and empathy when addressing customer issues.
Product: Credit reporting or other personal consumer reports

I went to apply for loan and the creditor was unable to pull my equifax report. I called equifax and they instructed me to log into equifax and I was met with an error message and a phone number to call. I called on XX/XX/year> and they told me they would work on it and to call back if the problem persists and gave me a case number XXXX. I called back on XX/XX/year> and told them I am still getting the error that my credit report is unavailable due to technical issues. They told me I needed to send my ID and social security card with a cover letter stating that I wanted them to update my credit information in file and that would fix it so I did that. They said to give it about 7 business days. I called back XX/XX/XXXX and asked the status and they said they have to escalate the issue and someone will get back to me within a week and gave me a new case number XXXX. I called again on XX/XX/XXXX because my report is still unavailable and no one has gotten back to me. This time I was told they are escalating the issue again and I am tired of this because I cant apply for financing or work on my credit.
Product: Vehicle loan or lease

Someone open auto loan in my name without my permission to do so.I am a victim of identity theft, and did not make the charge [ s ].
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Transunion, XXXX, and XXXX all on XX/XX/2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed immediately!!