23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I purchased an RV through XXXX  XXXX XXXX in XXXX XXXX. The loan they secured for me was with Alliant Credit Union. My first loan payment was due on XX/XX/2021 which was paid on time. I then made my second payment on XX/XX/2021. I noticed that NONE of my payment was going to principle. NONE. I realize how loans work and that most of the payments in the beginning will go towards interest and a small portion goes towards principle. I even confirmed this with the finance manager at XXXX  XXXX XXXX. I reached out to Alliant Credit Union multiple times the last being XX/XX/XXXX when they said they will escalate to a supervisor. Still no call from them and still not fixed. Interest only loans are illegal in CA where I live. I need help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts.
Product: Credit card

I have been disputing a credit card account with Chase Bank and I sent them a Letter asking for the credit card agreement bearing my signature, the date it was opened, and the date of the first delinquency and they sent me a letter back stating that they could not provide me with any of that information because they sold the account. But when I dispute with XXXX, and XXXX it comes back as verified. Chase Bank is not able to verify this account so they are NOT GIVING ME MY DUE PROCESS of the FRCA and are reporting false unverifiable information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Name : XXXX Account Name : XXXXXXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : DEPTEDXXXX  Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I contacted transunion numerous times trying to get this fixed. They are reporting 2 late payments on my credit report from XXXX XXXX XXXX/ XXXX XXXX Account # XXXX. This account was closed voluntarily by me on XXXX of XXXX due to the fact that there website kept having issues and not accepting payments and posting payments at later dates. I have never been late with a payment and got tired of having to always fixing this issues. I contacted XXXX to close out my account because they violated my consumer rights. They told me the account was closed over the phone and continued to report on my consumer report for 2 additional months afterwards. They reported me late XX/XX/XXXX and XX/XX/XXXX and shows the account closed in XX/XX/XXXX when the account was suppose to be closed in XXXX. This has been a burden and is now stopping me from buying a home by making my interest rate so high i can not afford it for my family. I am currently in litigation with XXXX XXXX in regards to the matter. Transunion is still posting this incorrect information that is apart of a litigation. Furthermore aside from this instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. Transunion It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these late payments being late, please update my payment history to PAANL status ( PAID AS AGREED, NEVER LATE ) according to consumer protection laws.
Product: Debt collection

company is attempting to collect a debt that is not owe, I closed my account with XXXX XXXX of XXXX I paid out my last bill of XXXX $ with no balanced in order to port my phone number to a new company. the bill had to be paid in full of a balance. now debt collects have been attempting to collect and reporting false information to credit bureaus. i have reached out to XXXX and they are unable to help I have attempted to try and resolve this problem with debt collect but unable. attached below are copy 's that show my last bill and that account was closed and dated XXXX of XXXX also attached is a collection notice with false information to collect. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Product: Debt collection

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service . 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Product: Consumer Loan

Wells Fargo has been erroneously reporting derogatory information regarding account ending XXXX to the credit bureaus since XX/XX/2013 in XXXX separate areas, one as collections and the other as a charge off. This duplication is causing excessive inaccurate credit reporting and reducing my credit score. I am requesting Wells Fargo to delete the tradeline.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries :
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 I disputed the completeness and accuracy of a trade line reporting on my consumer report and Equifax said they updated the account only for the account to be reporting the same way. This is my final attempt at resolving this before I file a federal lawsuit.
Product: Checking or savings account

Wells Fargo fraudulently opened an account in my name. I have never set foot within a branch, talked to a wells fargo representative and no loans past or present have ever been handled through wells fargo. No loans have ever been transfered to wells fargo through a company purchase or such. Yet i have recieved a notice from them they overcharged me and wrote me a check. This is one of 2 things. Either they are fraudulently opening accounts again. Or this is a ploy from them and as people cash it or contact them, it is assumed authorization and proceed with creating the account for the recipient. I will not talk to them or cash check for this reason.
Product: Checking or savings account

From XXXX up until now Navy Federal credit Union charges a {$29.00} insufficient fee when a consumer attempts to debits funds out the account, even if the amount is {$0.00}. If that {$0.00} is not in thr account they will still charge {$29.00}. I think that is unfair to charge a fee knowing there isnt any funds in the account to begin with. They refuse to waive fees & their only option is to pay {$20.00} to place a stop payment but its not guaranteed that it will stop the consumer from attempting to debited from the account. In XX/XX/XXXX I canceled my membership with XXXX XXXX and they still attempted to debit from my account Navy Federal charged me 4 {$29.00} insufficient fund fees and my account was overdrawn {$110.00}.
Product: Credit reporting

hi my name is XXXX XXXX i tryed many times to have XXXX ohio federal court files removed from my transunion and all other credit reporting bureaus to have this info removed and they will not do anything about it i have contacted and disputed with all party, s in this matter so i would like to file a complaint on transunion and the other bureaus reporting this info on my reports here is a copy of my transunion report and the XXXX ohio federal court files that i X next to then needs to be removed from my reports as a us citizen i should have the right to have this info removed from my report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, TransUnion and XXXX. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to XXXX XXXX XXXX XXXX XXXX requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from XXXX XXXX XXXX has been removed from my credit report. The representative stated that XXXX XXXX XXXX contacted them to remove the collection from my credit report. I would like for XXXX and TransUnion to remove the collection {$4700.00} from my credit report.
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 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

I have mailed letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Experian asking them to remove ALL dispute comments from my credit report. Experian sent me the attached credit report as a result of the investigation. The letter lists several items under investigation that I did not even request. They DID NOT remove dispute comments from any of my accounts. 

I would like ALL dispute comments/dispute statuses removed from my credit report ( ALL accounts ) immediately. I am prepared to contact an attorney to file suit against Experian, as I have had several issues with this company in the past. I have circled the dispute comments in the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine Ive been incarcerated since 2011 I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : XXXX XXXX  acct XXXX, XXXX XXXX, XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX acct XXXX,. inquiry XXXX XXXX,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed according to the court FCRA Status please remove all above listed accounts and inquiries thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

THE US Department of Education and XXXX XXXX violated " Privacy Act of 1974 '', and " Family Educational Rights and Privacy Act '' rights according laws and statutes in regards to the PRIVACY of my student education records. 


Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

20 U.S.C. 1232g As a consumer I was never given noticed or authorized the transmission of personal identifiable information -- -- - In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation.

That means an original contract or similar proof, not just a printout of the payments that were made. Provide all DOCUMENTARY EVIDENCE from the public and private side according to GAAP that this is a valid and verifiable debt you are reporting and claiming the accused debtor, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received an updated copy of my credit report today and Im just disappointed to see the same unfamiliar accounts entered on my file. It seems that someone has been using my identity without my knowledge and I believe that I have raised this concern from your department before and until now I haven't received any correspondence from your end.

Please be advised that I never authorized anyone to make any changes or furnish inaccurate details on my credit report. I dont want to tolerate any fraudulent actions or activities like this as it may harm my reputation as a consumer. I want you to immediately remove these unidentified accounts from the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate receiving another updated copy of my credit report without these unfamiliar accounts from my files.
Product: Credit card or prepaid card

Was offered points for charging {$2000.00} on the card in 3 months Started using the card as soon as I received in the mail which was XX/XX/XXXX annual charge for use of card was charged XX/XX/XXXX assumed had until XX/XX/XXXX to charge because this was not clear But while using the card out of town I attempted to use the card and got a not authorized notice so assumed I had reached my balance of {$2000.00} and met the requirements Unfortunately when I returned from my trip I had a XXXX  in the family then XXXXXXXX XXXX  I then just contacted them looking for my points and were told above When contacted them were told no it started XX/XX/XXXX? and sorry It would be extremely difficult to charge on a card when I dont have it in my possession
Product: Debt collection

I have received numerous phone calls and letters alleging that I owe a balance of {$1300.00} to a XXXX XXXX  for an account that was supposed to have been opened on XXXX XXXX This is the information reflected on my credit report. It is being collected by Midland Credit Management. I have stated many times to this company that I do not know who XXXX XXXX. I have lived at my current address since XXXX XXXX XXXX and have not opened any knew accounts anywhere other than my car loan and XXXX XXXX XXXX accounts, which are all in good standing, since moving here. They still have not been able to tell me any details of what type of account this is or provided any type of validating information to my. 

Additionally, I have searched the XXXX  website and found that while this company holds numerous licenses in many states, it does not appear to hold a debt collectors license for the state of California. It does have a branch located in XXXX XXXX, Ca but the license it holds for that branch is a XXXX XXXX XXXX XXXX XXXX XXXX. I may have missed something but from what I have read that does not give them authority to attempt to collect any debts in this state. I feel that is an issue that should be properly investigated.

Never the less, as I have stated, I have not opened any type of accounts other than those i have disclosed and because this company has refuses to provide me with any validating information and only provided multiple threatening statements and continued to harass me, I feel that that should remove this entry from my credit report based on these facts alone. The additional information that I have provided should also be taken into account when determining whether or not they have authority to report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2023 {$120.00} Open balance XXXXXXXX XXXX XXXX Original creditor TXXXX XXXX XXXX Last reported XX/XX/2023 {$130.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Last reported XX/XX/2023 {$1100.00} Open balance XXXX XXXX  XXXX Original creditor
Product: Credit reporting

I noticed on my credit report that there is an address that I have never heard of or lived at ever before in my life.I do n't know if this is a mistake or if maybe someone is using my information but I would like this address removed from my credit report.
Product: Credit card

Subject : Request for XXXX Form Account Charged Off To Whom It May Concern, I am writing regarding an account that appears on my credit report under your companys name and is marked as a charge off. This indicates that you reported this balance to the IRS as income due to cancellation of debt. Pursuant to this status, I am formally requesting a copy of IRS Form XXXX ( Cancellation of Debt ) for my records. 

On my credit report, it is indicated that this account has been charged off, suggesting that the debt has been canceled and reported as such to the IRS. If this is correct, a Form XXXX should have been filed and provided to both me and the IRS as XXXX by law. Please provide me with a copy of this XXXX form, as this is necessary for my tax records. 

If you do not provide this form or can not substantiate that this account was properly reported to the IRS, I will consider taking legal action for statutory damages and potential fraud. Failure to provide accurate documentation may be a violation of both federal tax law and credit reporting standards.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 15 days.