23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple late payments on my XXXX  account and I have no received any notice of a investigation or notice of how this information was verified XXXX has violated my consumer rights repeatedly and has not responded to my multiple investigation attempts 15 U.S. Code 1666 - Correction of billing errors!!!!!! 

a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor I have stated numerous consumer violations XXXX has violated it this matter not resolved will have to take civil action be advised a second party owns my current Debts that are closed so information on my report has not be validated
Product: Credit reporting or other personal consumer reports

Please note that this is my SECOND WRITTEN REQUEST. I SEND THE FIRST LETTER XX/XX/XXXX I DID I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you '' verified '' that these items are being " reported correctly. '' Who verified these accounts?

You have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section511 ( 5 ) ( A ) of the FCRA- you are required to " ..immediately DELETE all information that can not be verified. " The law is very clear as to the civit liability and remedy available to me for " negligent default '' ( Section617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 
I demand that the following accounts be verified or deleted immediately. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian several disputes letter trying to dispute items off my credit report. It seems that they are finding items that should remain on my credit report. I have sent them letter saying that these are not my account. I have had no contract with these companies. All the credit cared that 's on my credit report was done online. Somebody open up credit cards in my name online.  XXXX  and  XXXX  has deleted these items off my report after finding out that it was not mines. Experian is so hard to understand that these items are not mines. I have received letters from the company saying that it is a fraud and i sent them out to Experian and they still have it on my credit.i have others items on my report that is fraudulent.
Product: Payday loan, title loan, or personal loan

XXXX XXXX Fifth Third Bank , National Association XXXX We refinanced with the same lender XXXX  ( operating under Fifth Third Bank ) and they charged us {$35000.00} in pre payment penalty despite their contract stating no pre payment penalty will be assessed. XXXX now XXXX has acknowledged the pre payment penalty but no remediation measures are taken. 
All our dealings are with XXXX including loan documents, they did not let me accept another loan from different lender even when I was getting a better lower interest rate and further forced me to accept higher interest rate with pre payment penalty!
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is a current investigation. Complaint # XXXX. There are several inaccuracies listed on my credit report and my consumer rights are being violated under the Fair Credit Reporting Act ( F.C.R.A. ), F.D.C.P.A., and my character is being defamed.

These accounts were not validated. If your agency/ company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action.

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.

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.

15 U.S.C. 6802 ( a ) a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C. 6802 ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless that financial institution provides the consumer with three disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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: Mortgage

In XX/XX/2011, I lost my job. I worked with Bank of America to place my loan in forbearance, but they would not allow it. After 12 months, and {$27000.00} later, they gave me a partial claim and destroyed my credit. They continued to tell me not to make the payment as it would force FHA to allow the partial claim. As a result, I have horrible credit, I have been denied loans and credit, and what I have been offered are astronomical rates and sub-prime lending. This is not fair!
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

There are 3 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXX XXXX, and the other is EOS/CCA for XXXX. 

XXXX XXXX are reporting two accounts that I know are not mine. 

EOS/CCA is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from EOS and the 3 credit bureaus and also requested a detailed description of what I owe to EOS *I have never heard of a place called EOS & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.
Product: Credit reporting or other personal consumer reports

I have found that these inaccuracies are still reporting on my file and it's disappointing considering how I have reached out to your company twice regarding these accounts. It's so disappointing to consistently ask of you to investigate these because it's causing me so much stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, XXXX XXXX XXXX contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.
Product: Prepaid card

When I prepared my taxes through XXXX XXXX. Once you complete your tax return you have several options for getting your tax return. One of those options was a netSpend Premier Visa Debit Card. Seems easy but read the fine print of the agreement before you opt for this card. There are fees that will deplete your refund and they will continue to charge you fees into a negative balance. The only way you can do business with them is through the Internet. There is no monthly billing, no statement of charges or purchases and no notification of your balance or fees charged when charged. If you call and try to close the account with a negative balance they will tell you that they will charge off the negative balance and off course that will go on your credit bureau. You options are to go to a XXXX or XXXX, load put money on the card to clear the negative balance then call them or go on the Internet and close the card. After raising the roof with them, being that it was a small negative balance they agreed to waive the small negative balance and close the card.
Product: Money transfer, virtual currency, or money service

On XXXX I went into my Bank of america at XXXX XXXX XXXX XXXX XXXX CA, XXXX at XXXX I waited to deposit and get a cashiers check in the amount of {$5800.00} dollars like I do so every beginning of the month. I always count my money before going to the bank, this time The teller/Associate # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX took the money from me and started to talking to another teller before she put the money through the bill sorting machine. Once she put it trough the sorting machine she told me there was only {$4900.00} accounted for. Which I know can't be true. I had {$5800.00} when I entered the bank. I was in distraught not knowing what to do. I gave her {$20.00} to complete the {$5000.00} ( for time being ) and left. I need a through investigation to be done because I am a hardworking XXXX  citizen and need my money associate took from me. Thank you in advance for helping me with this investigation. Spoke to XXXX XXXX, manager?? and was very condescending and rude, said he is not allowed to see the other angles of camera 's. XXXX XXXX head of security is the only person allowed to view other angles.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these things on my report was falsely used and without my consent there's also inquiries that I have no knowledge of I want that that stuff removed bills inquiries everything
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made two payments 1. @ pymt. Amt. XXXX 2. @ XXXX for principal payment & called them on XX/XX/XXXX to make sure this is done correctly. I rec 'd my stmt. for XX/XX/XXXX & they put it as payments to XX/XX/XXXX. I called again for them to correct it, but they ended up showing me late for XXXX, payment on my credit report, which I did make on XX/XX/XXXX. As of today, they have one payment that never went to principal.
Product: Debt collection

I moved out of my apartment, The XXXX managed by XXXX on XX/XX/XXXX. I overpaid them by {$620.00} because the office staff would not tell me the total amount owed before rent was due on the 1st and I did not want to make a late payment. After the final walk through where NO damages were found, they told me I would receive a refund within 3 to 4 weeks after moving out. When I did not receive a refund I called the XXXX apartment office multiple times and no one answered. I left multiple voicemails. I then contacted my bank, XXXX XXXX, and sent them the documents showing the amount I owed the XXXX apartment for XXXX rent and my bank agreed I was owed a refund. My bank tried contacting them multiple times over a period of 90 days. At the end of the 90 days, my bank refunded me the {$620.00} that I overpaid. XX/XX/XXXX at XXXX a debt collections company called me from XXXX and said that I owed the apartment the {$620.00} that my bank refunded me. I explained to them the situation and that I did not owe the money and that they could contact the bank who legally refunded me since the apartment did not. They claimed that it was " my opinion '' and demanded to know what documents I had to support that proof. I told them I had documents from the XXXX apartment stating how much I owed and they completely ignored me and kept stating it was " my opinion and not fact. '' The same debt collections company contacted me again on XX/XX/XXXX at XXXX and then again on XX/XX/XXXX at XXXX harassing me, demanding to know why I hadn't paid it yet. I explained to them multiple times that I did not owe the apartments any money and that the apartments are committing fraud by claiming the money as debt. I also told them to stop harassing me. Today I found out that they reported it to the credit bureaus and it went against my credit history. After disputing this with you I will be filing a complaint with the attorney general 's office for the fraud they are committing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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.
Product: Debt collection

XXXX, XXXX, XXXX XXXX lawfirm is attempting to collect a debt that I do not owe them, and they have not provided sufficient response to my request for debt verification that they allege that I owe XXXX XXXX XXXX. 

On or about XX/XX/XXXX I contacted XXXX XXXX XXXX to  discuss an account listed on my credit report. XXXX XXXX  indicated to me on that day and on 2-3 additional calls that the debt has been transferred/sold to XXXX and that I should contact them at ( XXXX or XXXX ). In contacting them XXXX on or about XX/XX/XXXX, I was referred to XXXX, XXXX, XXXX XXXX law firm ( XXXX XXXX XXXX, XXXX ... fax XXXX ). In assuming that I would get the run around, I called and mailed XXXX XXXX XXXX requesting debt verification on or about XX/XX/XXXX using a letter that I drafted from CFPB resources. My letter asked for specific details regarding : Why they think that I owe the debt and to whom I owe it ; The amount and age of the debt ; Details about their authority to collect the debt ; and whether they were prepared to accept a balance less than what they were claiming. To date, the only response that I 've been provided in writing is a Balance Due on the Account ( {$1900.00}, plus {$260.00} in interest and court costs ) and the name of the Original Creditor ( XXXX XXXX XXXX ). 

Today ( XX/XX/XXXX ), the collection representative named XXXX XXXX told me that I owed interest on the account but he never confirmed whether XXXX XXXX XXXX purchased the account. XXXX XXXX forwarded me to the voice mail of another collections representative saying that his name was XXXX XXXX and that he was out of the office and could n't take my call. I then contacted XXXX XXXX XXXX and XXXX XXXX Legal Department ( XXXX & XXXX ) again to inquire about whether the account was in fact sold to the collections agency or if it still belonged to XXXX XXXX. They confirmed that they do not own the account and encouraged me to call back before XXXX in order to speak with someone in their legal department that was not available. I called XXXX XXXX XXXX again to speak with someone that could help provide more clarity about why they were collecting for a debt that I do not owe to them, and why they have court costs associated with XXXX XXXX who is denying ownership of the debt. They only looped me back into XXXX XXXX 's voicemail. Also on today ( XX/XX/XXXX ), I attempted to contact XXXX XXXX XXXX again  and they would only confirm that they no longer owned the debt and provided me the number to XXXX to further clarify this matter. In calling XXXX their phone system and representative hung up on me three times. 

Again, I am contacting CFPB because I believe that XXXX/XXXX, XXXX, XXXX XXXX law firm are illegally attempting to collect a debt that I do not owe to them, AND they have been giving me the run around through their communication methods. 

Attached is my request to XXXX XXXX XXXX. Here is their contact information : XXXX XXXX XXXX Phone XXXX Fax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX
Product: Student loan

I applied for a student loan with Sallie Mae on XXXX, was approved that same day, and I accepted the loan on XXXX. This loan ( loan 1 ) has an interest rate of 9.250 % and a loan amount of {$7900.00}, During the application process I was approved/offered up to additional {$5000.00} on my loan. 

A few days later, on XXXX I contacted Sallie Mae because I needed additional funds disbursed to the university in which I attend. I contacted Sallie Mae with the express intention of taking advantage of the additional funds offered to me on loan 1, because I only needed {$2100.00}. During this phone call, the Sallie Mae representative insisted that I was not able to increase the funds of my student loan, and coerced me into taking a second separate loan in the amount of {$2100.00}. The interest rate for loan 2 is 9.750 %. 

On XX/XX/2021 I received two email communications from Sallie Mae. These emails stated that I was approved for an additional {$5000.00} funding when I originally applied for the loan and that action was required in order to receive additional funding. 

On XXXX I contacted Sallie Mae by their online customer support chat on their website. During that conversation the Sallie Mae representative continued insisting that they call me and refused to resolve any issues in writing by email, online chat, or other methods. I advised the Sallie Mae representative that they could call me to resolve the issue, but I would insist that the call be recorded and/or any resolution would be put in writing. The Sallie Mae representative advised me that another representative would call me within 48 hours. As of writing, XXXX, I have not been contacted by any representative of Sallie Mae by any form of communication. It is clear to me by Sallie Mae 's refusal to any communication in writing about this issue, their failure to address my concerns during any contact over the past month, and their failure to contact me about my concerns dispute their insistence they do so that Sallie Mae does not want to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account that is not my account from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not properly monitoring my credit report and score. They are unwilling to work with the consumer to make adjustments to reports that could increase scores. Items that are indicating would raise my score I am unable to attain because my score is so low. I can not acquire a mortgage or loan while it is suggested that I do so to increase my score. I need my score to read GOOD standing in order for me to be in good standing. There is zero opportunity to increase my score with Equifax. They would like the consumer to be patient with them however in this pandemic no one is being helpful. 

In fact Equifax could not give me a respectable answer as to why my score was low. They did tell me that because I dispute something on my report that brought my score lower. WHy would disputing something that they are already reporting that is affecting my credit score bring it down lower? Is that retribution for challenging them? How is that fair to the consumer. The consumer should have the right to challenge their report and score with ZERO PENALTY!
Product: Credit card or prepaid card

I had fraudulent charges made on my Bank of America XXXX card ... BOA.. said they found the charges were mine and I filed a fraudulent dispute.. which got my unemployment cut off.. I missed 8 payments of XXXX on my unemployment.. plus the fraudulent charges they charges me for.. around 300.00..
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to dispute items on my credit report and for over a year now the dispute portal hasn't been available or working for consumers to dispute items they will not mail out dispute forms talked to an representative to apply the dispute for me but my credit file has no credit report number therefore there telling me they can not retrieve my information this is unacceptable.