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

XXXX XXXXXXXX must acknowledge that the debt being reported on my consumer report is not only inaccurate but also fundamentally flawed in its premise. The alleged obligation reflects a misunderstanding of the underlying relationship and the nature of the account ending in XXXX. As the agent acting on behalf of the principal, I hold a legitimate interest in the application, which serves as the original collateral securing the account. This account was established based on my authenticated application, making it clear that I can not owe a debt on an account created through my own credit investment. Instead, I am owed consideration for the principal 's interest, which exists within the account. 
It is essential to recognize that I, XXXX XXXX XXXX as agent for the principalam entitled to subrogation rights for choosing to allocate my credit to XXXX XXXX  over its competitors. Rather than breaching trust, obscuring the true intent of the agreement, and issuing deceptive billing statements for the sake of unjust enrichment, XXXX XXXX should act with transparency and honesty. This transparency is critical to allowing consumers to make informed decisions about their financial engagements. 
In essence, XXXX XXXXXXXX has been profiting twicefirst from the consumer 's credit and then from their ignorance of the true nature of the transaction. This practice is not only a breach of trust but also a clear case of unjust enrichment. Congress enacted the " Holder in Due Course Rule '' ( 12 CFR 433.2 ) to protect consumers from precisely this kind of exploitation, ensuring that financial institutions can not separate their profit motives from their obligation to act in good faith. XXXX XXXX has a duty to repair all damages caused by their willfully and knowingly intent to take what truly did NOT lawfully belong to them. To take something from a customer that he or she had no knowledge of owning is still theft. The agreement is in fine print and very lengthy for this purpose. Obligations of the United States are being settled as agreed, the shame is most of the American people are not aware of it. Use the Principal 's interest to settle the alleged debt and return the payments made by the agent back to the agent as outlined in 15 USC 1615. Remove all the derogatory information from the Principal 's ( XXXX XXXX XXXX ) consumer report. XXXX XXXX 's use of my credit as collateral effectively grants them a usufruct, allowing them to benefit from my assets while I, as the rightful owner, should retain the underlying rights and interests associated with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestiagation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following items needs to be removed immediately : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Consumer Loan

We have an auto loan through Santander financing for our car. On XXXX XXXX our car was totaled out by hail. Our insurance company payout for the car did n't cover the entire amount of the loan. So they would not pay the loan off. Our insurance company offered us the option to buy our car back for 15 % of the value of our car before being totaled. Santander told the insurance company they could NOT let us buy the salvaged car and that Santander will be buying the car back from the insurance company. So my complaint is this.. How can a company not allow us to buy a salvaged car from the insurance company but is still saying we have to pay the loan off. I know full well they are going to take the car and sell it and NONE of that money will go to the loan.. How can a company basically steal a car like that from people?? Also if we have to pay the loan any way what does it matter if we buy the car or anyone else does? We still have to pay the loan. another thing Santander bought the salvage so that took {$670.00} away from the amount of insurance money that would go to the loan. So they not only left us without our car they took {$670.00} of the insurance money that should have gone to the car. I am at a loss as to how they can tell our insurance company who they can offer a buy back to. This company has screwed over a LOT of people and i have no idea how they are still in business. How can no one step in and put them out of business??? Can they really do this to us? If they are going to do this should n't they have XXXX insurance on EVERY loan? We were NEVER offered it when we bought the car. Never even heard of it till we bought our pickup.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report and saw that there was fraudulent accounts. Please remove these accounts as they are hurting me to obtain credit. 

I dont feel as if I should have to pay for something I never opened Ive submitted multiple complaints in regards to this fraudulent account including inaccuracies and you guys have still failed to remove such item from my credit report and it is still hurting my ability to obtain credit every credit bureau except transunion has removed this from my report This account was charged off on XX/XX/XXXX ( updated by maintenance ) since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX This account was charged off on the following date XX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transaction was authorized. I was charged fees due to lag posting of charges and credits. This issue aligns with the recent CFPB we are going to move that findings against Navy Federal for similar practices where transactions settled with insignificant balances despite initially available funds. I believe these practices are on unfair and request an investigation into my account transactions.
Product: Debt collection

Collection showing on my credit report owned by Credit Protection. This company is n't licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection activity.
Product: Credit reporting or other personal consumer reports

I had recieved a letter from the Department of Education that all my student loans were forgiven due to my current and XXXX XXXXXXXX. XX/XX/2024, as the statement states that all my accumulated student loans were forgiven. I still see my account being active and I still see on the Student loan and XXXX  website my loans are still active. It also shows up on all of the XXXX major credit agencies.
Product: Credit card or prepaid card

Barclays of Delaware mailed me a credit card rejection letter. I hadn't applied for any credit card products. There is no phone number listed on the letter received. I searched for an XXXX number to inquire about the denial and the representative gave me a XXXX number to call. Unfortunately I don't have international options with my current phone plan. 

I asked if there was a fraud department I could speak with, the representative was not helpful at all. This company does not take fraud seriously and doesn't verify applicant information prior to running an application.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXXXXXX, account number XXXX, for violating my rights under the Fair Credit Reporting Act ( FCRA ). This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed. 

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has violated these rights by failing to remove the inaccurate information from my report. 

I request that you investigate this matter and ensure that XXXX XXXX  corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter
Product: Credit card or prepaid card

Credit cards and Auto loans and Checking accounts were open using my personal information i have reported this to all credit bureaus and disputing these open accounts I have a complaint with Trade commission and also going to do a police report I have also made a court request to change my name to avoid anyone having my new information.
Product: Debt collection

called saying he is a court processor and has papers to serve me. 
If i do n't response or accept I will be prosecuted. 

Numerous calls to family members. 
Have my civil lawyer call and send a cease and desist letter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX  XXXX Credit Card with account # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX {$2200.00} XXXX XXXX ), ( XXXX  with a balance of {$1100.00} ), ( XXXX XXXX ), ( XXXX with a balance of {$3000.00} 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 con
sumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters to the credit companies ( Transunion, XXXX, and XXXX ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining the method of verification from all three credit agencies, in which they all said XXXX XXXX. I then contacted XXXX XXXX and they removed the bankruptcy from my credit report, I then forwarded theletter from the court house and XXXX XXXX, to all three credit agencies to remove the bankruptcy from my credit report as I never filed the bankruptcy and they refuse to remove it from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX and XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry. i even called them and there is no proper person to speak with and i end up getting ignored and agitated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, OK XXXX Resident type Single family XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, WA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX Resident type Single family XXXXXXXX XXXX XXXX  XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 


13. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


15. 15 U.S. CODE 1692G - VALIDATION OF DE BTS XXXX Account Number : XXXX Please remove it from my credit report.. 



1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely,
Product: Mortgage

Numerous attempts have been made to get this error corrected. I entered mortgage forbearance XX/XX/XXXX and was approved and continued through XX/XX/XXXX. In XX/XX/XXXX I called to discuss options upon the completion of my forbearance XXXX XXXX. While discussing options with the rep, I decided to go with the deferment of all payments, including escrow, through XX/XX/XXXX to begin repayment on XX/XX/XXXX. I then received notice that my repayment would begin XX/XX/XXXX - an error had been created on the mortgage company side - this was confirmed when another rep listened to the previous phone call. Due to their error, they are denying XXXX XXXX  to be included as originally agreed. I never agreed to begin payment in XXXX XXXX Again, this was confirmed with a check of the phone call from XXXX. I have attached the approval for the forbearance through XX/XX/XXXX and the denial to include it after requesting the error be corrected. I have also included the statement where the payment was to begin XX/XX/XXXX. I have continually requested an override of their error to no avail. I have been promised return phone calls and they have not been received. I need their error to be corrected so that I can make my XX/XX/XXXX payment. If I make my payment now, it will be applied to XXXX XXXX XXXX They have also charged me late charges and continue to call me for the XX/XX/XXXX payment - violating the Cares Act and my approved forbearance. I agreed to make payments beginning XXXX XXXX XXXX  and not before. I demand they correct their error and correct my account to begin payments XX/XX/XXXX as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently singed up to XXXX XXXX to review my credit report and notice a fraudulent account on my report being with XXXX. I mailed in my ftc.gov report to the credit bureau to fix this issue on my account and the account is still being shown
Product: Checking or savings account

I am a XXXX XXXX who received EIDL loan from SBA for approximately $ XXXX in XXXX of XXXX. At the time, I spoke with a representative from the SBA regarding this loan to assure everything was above board and they assured me there were no issues with independent contractors and XXXX XXXX who choose to file taxes under their social security number, which I often use in place of an EIN. I chose to have the funds deposited into my Capital One 360 checking account, aware of no issues with such a transaction. 

Fast forward to XX/XX/XXXX, when my checking account was frozen with no explanation given. After several days of trying to reach a specialist, on XX/XX/XXXX I was informed that Capital One has investigated my business and found me to be suspect of fraud and is choosing to terminate the relationship with me, seizing my account and planning to return the remaining balance to the SBA. 

I could not get an answer as to who initiated this investigation or why, but was not given the chance to provide proof of the legitimacy of my business. In fact, I was insulted and ( mis ) informed that I work " for '' companies who actually contract me to conduct business on my own accord.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nissan Motor Acceptance Corporation is saying that I owe {$4800.00} when I already settled the debt with them for {$1600.00} back in XXXX. My credit score is starting to fall and debt has increased on all three of my credit bureaus. This is false information. The company they used to collect the debt was XXXX NMC. The charge shows on my bank account on XX/XX/XXXX through XXXX XXXX. Somehow this debt has returned. Please help. 

Here is the company in question : XXXX XXXX XXXX Here is the company they used to collect the debt : XXXX XXXX XXXX
Product: Debt collection

Merchant acceptance is calling my employer, demanding my bank account number, and making threats to have my wages garnished over a debt that is not mine. I have talked to the company several times and they are making no effort in trying to help the situation or come up with a resolution. They call me on average 3-5 time daily. .. I've asked that they not phone me, and to contact me only by mail. That has not stopped the harassing phone calls.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting XXXX % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, and the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be updated as agreed in this payment history. Else, DELETE this account immediately!