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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hi I have new information regarding XXXX Nissan Motor Acceptance Company , LLC. Please see attachments.
Product: Credit reporting or other personal consumer reports

I appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX and unfortunately I was brought into a conspiracy by the U.S. Government. I was wrongfully XXXX for 7 years in XXXX. Before I turned myself in eight months later I was receiving SSI for my XXXX of a XXXX XXXX/XXXX XXXX  was in paired. I suffered a overwhelming hardship and need money to fight my case. LEGALLY SSI IS CONSIDERED EXEMPT MONEY AND CAN NOT BE GARNISHED FROM MY ACCOUNT. i WAS NOT ABLE TO GET THE MONEY BECAUSE THE CHILD SUPPORT AND WELLS FARGO SEIZED OVER {$20.00} FROM MY BANK ACCOUNT. INAPPROPRIATE GARNISHMENTS RESULTED IN A FINANCIAL HARDSHIP FOR ME AND MY FAMILY ARE CONTRARY TO LAW. SUPPLEMENTAL SECURITY INCOME BENEFITS UNAUTHORIZED UNDER TITLE XVI OF THE ACT ARE EXEMPT FROM CHILD SUPPORT GARNISHMENT AND INCOME WITHHOLDING. WELLS FARGO DID NOT PROTECT MY ACCOUNT OR MY MONEY. ALL OF THE MONEY GARNISHED BY CHILD SUPPORT SHOULD BE REIMBURSED BACK INTO MY BANK ACCOUNT WITH INTEREST. WELLS FARGO SHOULD BE HELD ACCOUNTABLE AND TRANSPARENT. FINANCIAL HARDSHIP! MENTAL HARDSHIP! EMOTIONAL  HARDSHIP. I NEED HELP! 
On XX/XX/XXXX2011, the department of the treasury, in conjunction with other federal agencies, issued an interim final rule, regarding the garnishment of accounts containing federal benefit payments. In light of this rule, the federal office of child support ( XXXX ) is emphasizing our policy related to garnishing federal benefits, especially those related to ( SSI ) income benefits. We urge state and Tribe child support agencies to implement automated and manual safeguards to ensure that SSI benefits are not garnished. 
The social security act ( the act ) permits garnishment of child support directly from the federal payor of " monies payable to an individual which are considered to be based upon remuneration for employment ''. See section 459 ( h ) ( 1 ) of the act. In nearly all states, if the state is unaware that a noncustodial is receiving SSI and the funds in the bank account are frozen, the state has procedures in  place to quickly release the funds back to noncustodial parent, the rule goes on to
Product: Debt collection

I was treated unfairly by multiple organizations in the state of Virginia that I now fear my life and personal safety of the wrong doings that occurred. I initially moved to the State of take a job with XXXX XXXX XXXX. They lied to me and wrongfully laid me off so I was basically forced to become homeless. I moved there and took on a year long lease with The XXXX XXXX XXXX apartment complex in XXXX, VA. I was expecting the job to last a year or more. They took over a month to pay me and I barely had any money in my account. Then I lost my job after only 22 days of employement in the state. I tried contacting the Virginia Department of Labor to see if I could get help. They did not want to help me. I tried applying to jobs, I could not get a job quick enough. Therefore I gave as much notice as I could. I also felt very unsafe in the complex. There was drug activity going on and I was being harassed by the residents there with notes on my door step. The complex did nothing to help me except send me to a debt collector named XXXX XXXX who has been calling me from possibly a fraudulent XXXX area code : XXXX. She calls me multiple times a day and leaves no messages. I complained to the XXXX XXXX XXXX to get help with their bad tactics and they said I do not owe money to them. I am concerned for my life and safety from these people. I did nothing wrong and I continue to have problems with these people in Virginia. I do not know what to do anymore. I can not afford this debt because of the job loss. I don't make nearly as much money after losing this job in which I initially qualified for, for this housing. Please help. National Credit Systems Inc is the inappropriate collection agency this company is using. I have tried mutiple times to get help or forgiveness from the property management company, but they want to ruin my life it appears. They want to ruin my credit and steal my money. They are claiming I owe this money because I broke my lease early, but I had no choice.
Product: Credit reporting

I called Transunion in ref to invalid inquries on my account that I did not authorized that were removed and then the reappeared on my account without notice. I referenced the glitch that they had and was not able to get any assistance because she stated hey were valid. I asked her to provide me proof of the information proving it was valid and she declined to provide.
Product: Debt collection

On XX/XX/18, I received a telephone call from XXXX, in which the caller wanted to verify my name ; since this is not the first call I received I advised that " I am not willing to confirm my identity to you, please stop calling and provide validation to the address you believe is on file and if it is indeed me I will call back and make arrangements '' ; instead the caller just terminated the call and disregarded everything I said. I called back with the same statement, same hangup. This happened three additional times. I am not sure why this company can not acknowledge a cease calls request, I shouldn't have to jump through hoops to make sure they do indeed remove my phone number.
Product: Credit reporting

I paid {$1.00} for a credit report from EXPERIAN and have been billed {$14.00} for the last 8 months without my clear understanding that this was what I was agreeing to on the day I paid for the {$1.00} credit check. This was not clear on the web site that offered a {$1.00} credit check, all they were really doing was phishing for my CC number to scam {$14.00} from me as long as they could before I caught it. This is deceptive and predatory aimed at the elderly and young and needs to be stopped and they should be criminally charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NOTICE TO CEASE AND DESIST XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Re : Account Number XXXX To Whom It May Concern : This letter serves as a formal demand to cease and desist all communication with me regarding the above-referenced account, which you are attempting to collect. This demand is made pursuant to my rights under the **Fair Debt Collection Practices Act ( FDCPA ) **, specifically **15 U.S. Code 1692c ( c ) **, which prohibits debt collectors from contacting consumers who have notified them in writing to stop communication.

Additionally, I am disputing the validity of this debt pursuant to **15 U.S. Code 1692g**. I request that you provide verification of the debt, including but not limited to : 1. Proof that I owe this debt. 
2. Documentation showing the original creditor and the chain of ownership of the debt.

3. A detailed breakdown of the amount claimed, including interest, fees, and any other charges.

Until you provide such verification, I demand that you cease all collection activities, including reporting this account to any credit reporting agencies.

Furthermore, I am aware of my rights under **15 U.S. Code 1681e ( b ) **, which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. If this account is being reported inaccurately or without proper verification, I reserve the right to take legal action to enforce my rights under the **Fair Credit Reporting Act ( FCRA ) **.

This letter serves as formal notice of the following : 1. You are to cease and desist all communication with me, except as required by law ( e.g., to confirm cessation of communication or to notify me of specific actions, such as filing a lawsuit ). 
2. You are to provide verification of the debt as outlined above.

3. You are to immediately stop reporting this account to any credit reporting agencies until the debt is verified. 

Failure to comply with this demand will result in legal action against your company for violations of the FDCPA, FCRA, and any other applicable laws. 

Sincerely, XXXX XXXX
Product: Student loan

So towards the end of XXXX, I received notice that I needed to recertify my income for the XXXX plan and I did so through the Aidvantage website. I received notice that my income was too high on XX/XX/XXXX. I received notice again on XX/XX/XXXX, that my payment would be changing to {$390.00}, but when I ran the student loan simulator, it says that my payment under the XXXX standard repayment plan is {$310.00}. When i contacted the live chat people at Aidvantage, XXXX # XXXX was unaware that XXXX had a payment cap limiting your payment amount to the amount under the standard XXXX plan and told me i taught her something. Then she told me that, while I am still on XXXX, it is " inactive '' since my income is too high and I owe {$390.00} per month. I chatted with a different agent, agent # XXXX, who told me that I was no longer on XXXX since I made too much, but that's not true and also conflicts with what agent # XXXX told me. XXXX # XXXX told me that the cap doesn't apply since i make too much. But 34 CFR 685.209 ( f ) seems to state that the cap under XXXX applies even if I make too much. I contacted studentaid.gov, but they directed me back to my loan servicer but it seems like Aidvantage does not know about the XXXX plan correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity theft and fraud there are three collection items on my credit report that are having a detrimental effect on my financial and personal well being. To rectify this I have submitted multiple requests to have this data removed and have reason to believe that Equifax did not conduct its obligatory due diligence in investigating these matters ( despite taking more then 30 days on several occasions ) and closed them without reaching a factual based resolution. 
Have been refused credit, opportunities on multiple occasions despite identity theft and fraud being listed on my disputed. Specifically, items resulting from identify theft continue to be reported as collections by Equifax. Clearly Equifax has ignored resolution guidelines set forth in the fcra causing significant personal and financial distress.
Product: Checking or savings account

I initiated a transfer of {$350.00} from XXXX  XXXX XXXX on XX/XX/30. Chimes notifications reflected that the $ $ would post on XXXX. The morning of XXXX the date magically changed to XXXX. I logged on today and it still has not posted. This bank is so dishonest and manipulative. Im delayed making my car payment now I called and the shady person attempted to blame XXXX  XXXX XXXX LOL the ach has posted 3 days ago. These people are corrupt Im going to take them to small claims for misrepresentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and I have reached out to XXXX, XXXX and XXXX and the companies have yet removed the inaccurate information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand a Line By Line ReInvestigation of the accounts listed below because with the obvious errors on these accounts, a Proper Investigation could not have been conducted In Accordance With ( IAW ) the Fair Credit Reporting Act. Now is not the time for Updates or Verifications because you've already done that, and my accounts are Still Inaccurate. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Incorrect Address : XXXX XXXX XXXX XXXX, MI XXXX. Incorrect Inquiries : XXXX XXXX ( 2 ), XXXX XXXX  XXXX. Incorrect Accounts : XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX. My rights have been violated in several ways, and yet there has been no resolution. 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 an account without my written instructions. I never gave written instructions. 15 U.S.C. Code 1692b States that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to so by such person ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol or any envelope or in the contents of any communications effected by the mails or telegram that You should not be reporting Inaccurate information on my credit reports because it is a violation of my federally protected rights. U.S.C. 1681a-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. This information is Not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Auto Finance reported 6 late payments in 2020 in the middle of the Covid 19 Pandemic. It should not have been reported.
Product: Vehicle loan or lease

HJR 192 XXXX THERE IS NO MONEY Company repossessed car despite giving promissory note and tax paperwork on XXXX, spoke to GMAC rep on XXXX who agreed to await for USPS certified mail yet repossessed that same night. I want my car back, loan only 41 days old. My signature paid for loan.
Product: Debt collection

I left XXXX in 2019 because somebody tried to buy something in Texas with my Credit and it's been XXXX years and haven't heard anything because I had put in a fraud alert with them and now Jefferson capital is trying to collect on it and I know that it's a XXXX  statue of limitations on Debt on a cell phone
Product: Debt collection

The disputed company debt represents medical expenses. The specific debt was discharged in bankruptcy so it is considered SETTLED, thus according to the legal statute below, should be deleted from the credit file as it relates to being medical debt. Please delete from the credit file. 

With further respect to the Medical Debt Relief Act of XXXX, please recheck the application of health insurance is properly applied to the account and institute a 180-day waiting period before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of XXXX, it was enacted to increase the waiting period to 1-year before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the XXXX amendment noted above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to voice my worries about a few problems I've had with the credit bureau. These problems include false account listings, multiple unauthorized inquiries, faulty credit reporting, billing irregularities, and accounts that are not mine. 

I need help to get these problems resolved so that I can be financially secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay as I go to look at my fico score for XXXX, Equifax, and XXXX I get the score unavailable indicator.. 

For reason being whats wrong with my fico score and why it says unavailable it has enlisted for one of the indicators on all three of my reports that Ive been labeled as deceased.. this is unlawful use of ny credentials and is in violation of fair credit reporting act and I would like to be compensated for this
Product: Credit card or prepaid card

Called Capital One on or about XX/XX/2023 to advise that I may be late on my payment because I am getting a fix rate loan to pay off CapOne cc balance ( {$9800.00} ). The representative said thank you for calling and letting us know. Do you know when the payment may arrive? I stated the payment may arrive between now and XX/XX/2023. The payment ( {$9800.00} ) posted to my account on XX/XX/2023. On XX/XX/2023 I called Capital One to request the {$29.00} late fee be waived based on my length of time as a customer and payment history, which I have never been late. I spoke with three representatives ( two inbound call representatives and a Senior Account Supervisor, XXXX ). When I first called and spoke to rep, he stated he could not waive the fee because their system will not allow the waiver. I explained the reason for the late payment and my payment history. He said he could not waive it. I requested a supervisor. He transferred me to XXXX, an account supervisor. XXXX 's line had a lot of static and could not hear him. I disconnected then called back... spoke to representative, XXXX. I explained my reason for the call... she reiterated what the first representative stated. She then passed me on to XXXX, a Senior Account Representative. He stated he could not waive the {$29.00} fee because their system will not allow the waiver. He offered to set up my account on auto pay. I explained I don't want auto pay ... I would like the fee removed so I can pay off the balance ( {$210.00} including the {$29.00} ). XXXX said he could not remove the fee. I said ok and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a check from XXXX XXXX I deposited the check and was told funds would be available in 24 hours. Now Im being told there is a hold until XX/XX/year>. I have all necessary paperwork to prove where these funds are from and that they are legit. So far all Ive received is the runaround with the bank. If they hold those funds until next week I am going to receive an eviction and me and my kids will be homeless and not able to rent in this XXXXXXXX XXXX economy. This is stressing me out and all I need is for them to release my funds even if its just half! If I had known they would pull this I would have cashed my check at a check cashing place, Im so sick of big business and their rules that only affect people of lower stature. I am strugggling and trying my best to do things the right way, but Im getting tired.
Product: Debt collection

I had an old dept. and a collection company bought the dept., I challenged them with a letter in accordance to fair credit Act which they had 30 days to respond under federal law and they had to remove it from my credit reports. They have not removed it and they have not responded. I tried contacting them but they are very rude and no resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Account Number # # # # # # XXXX XXXX  XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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