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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX  XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days already included in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXXXXXX XXXX Inquired on XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX BANK XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I sent a certified letter asking for forward XXXX agreement and proof that I signed a contract with Jefferson capital. I did not its not mine debt
Product: Credit reporting or other personal consumer reports

I SENT OFF A CERTIFIED LETTERS ON XXXX XXXX TO XXXX,, XXXX AND EXPERIAN ASKING THEM TO PROVIDE ME WITH A METHOD OF VERIFICATION ON HOW THEY VERIFIED THE DISPUTED ITEMS AND I NEVER RECEIVED ANY PROOF OF HOW THEY VERIFIED THE DISPUTED ITEMS BELOW FROM ANYONE OF THE XXXX CREDIT AGENCIES : 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 IS REPORTING XXXX LATE PAYMENTS ON MY CREDIT REPORTS! 
XXXX, XXXX & XXXX PURSUANT TO 15 U.S.C 1681i ( a ) ( 7 ) IF CAN NOT VERIFY THE INACCURATE DISPUTED ITEMS ABOVE, THEY MUST BE DELETED OFF MY CREDIT FILE IMMEDIATELY PER THE FCRA. 

I HAVE UPLOADED THE LETTERS I SENT OFF CERTIFIED TO ALL XXXX OF THE CREDIT AGENCIES ALONG WITH MY SSN AND DRIVERS LICENSE
Product: Mortgage

This is a follow up complaint to a previous complaint ( # XXXX ). I was contacted today by Wells Fargo representative XXXX XXXX, who reported that they are unable to remove the projected shortfall on my escrow account that will be created if my property taxes are paid in XX/XX/XXXX. She claimed that their taxation department had contacted the county tax department and had been informed that taxes are due from mortgage companies on XX/XX/XXXX. I expressed surprise, as the county website clearly shows a due date of XX/XX/18. When I asked for documentation of the information supposedly given to Wells Fargo, XXXX declined to provide it, stating that any documentation was, " proprietary. '' I attempted to get a tax rep on the phone, but was unable to do so. When I later contacted the XXXX County tax department and spoke with XXXX XXXX, Lead Customer Service Representative, she stated that tax bills aren't even produced until late XX/XX/XXXX, and that all tax payments, whether from individuals or through mortgage companies, are due on XX/XX/18. As such, it appears that Wells Fargo representatives have given me false information, and Wells Fargo is continuing to insist that I owe for this shortfall, even though it will not happen if taxes are paid in XX/XX/XXXX, when they are due.
Product: Student loan

Loan originally serviced by XXXX was transferred to Mohela. Requested refund of voluntary payments made during Covid pause in XX/XX/XXXX. I was informed that this could take up to 90 days because Mohela needed to request payments from XXXX. Received partial refund ~ {$2000.00} directly to my bank account and FULL loan balance was restored in XX/XX/XXXX. Called to follow up with Mohela at this time and was told that the remaining money would be issued as a check from the treasury department. Called to follow up in XX/XX/XXXX and Mohela said they could only tell me that the check was sent but could not do anything further. Called the treasury department and was told that the check was likely lost in the mail and that Mohela would need to request a stop payment and re-issue of the check. Called Mohela to request this and was told it would be completed and that a new check should be received within 30 days. Requested that my loan balance be adjusted until my refund had been re-issued as this is an inaccurate depiction of money owed and was assured that I would receive my refund shortly. Called again in early XX/XX/XXXX and was told that the check payment was stopped but that the re-issue of the refund was not completed and the request was possibly done incorrectly. I again requested that my loan balance be changed to reflect the lack of refund and was again reassured that I should receive my refund shortly now that the correct request was submitted. Called again mid XXXX and was told the process can take up to 30 days due to treasury department processing. Called again XX/XX/XXXX and was told by that the request for refund was only re-submitted on XX/XX/XXXX and that it may take up to 90 days from that date to receive a refund. Mohela could not provide me with a check number to follow up. 
I have spent an inordinate amount of time on the phone with various representatives, often getting misinformation, being transferred, and being asked to follow up with other departments on my own. I have been continuously given false timelines about when I can expect my refund under a law designed to prevent financial hardship during a pandemic. I have suffered a great deal of undue stress during this process as well as an undeserved drop in my credit score due to an inaccurate reflection of my loan balance and debt to income ratio. I have also lost potential capital gains and the ability to do what I intended to with my money.
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 USC 1681. 

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 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 am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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 a

m writing to formally notify y ou that I am a victim of identity theft as a result of a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I reque st that you block and delete the following fraudulent accounts and unauthorized inquiries from my credit report. These accounts and inquiries were opened or made without my knowledge or consent. Fraudulent Accounts :
MIDLANDCRE - Account Number : 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 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 XXXXXX/XX/XXXX
Product: Credit card

Bought a bike online, was never delivered. Contacted credit card company, said it was delivered, when I asked for a tracking number they provided a fake tracking number. They want me to pay the {$900.00} bill
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXXXXXX XXXX XXXX XXXX and FLAGSTAR BANK XXXX XXXX
Product: Student loan

A payment XX/XX/17 of {$480.00} is still not applied to my account which is causing late/interest fees to my account which would be paid in full by now. 
I have worked with XXXX which mailed the check on XX/XX/17 -it cleared on XX/XX/XXXX being cashed by Dept of Education . 
XX/XX/17 XXXX  received ck # XXXX for {$480.00} cashed it on XX/XX/17 and sent the money back to Department of Education on XX/XX/17 in which no fees have been applied to my loan. 
With the transfer of accounts from Department of Education to Navient some fees were lost in the transfer -- XXXX & XXXX are checks shown as an example of this happening -- I have been working on fixing and paying off this account since XX/XX/2017 and have not been able to get a resolution. This affects my credit report, parent plus loans and fafsa applications.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

Around XX/XX/2018 loan was delinquent since then this company has been reporting late payments every month which is illegal after XXXX account should be closed payment history has multiple innacuracies i disputed the innacuracies with credit bureaus and the came to the conclusion that it was " verified '' how can I go from 120 days late to 30 days late that is innacurate reporting On a account that is in collections i contacted the company on fixing the issue and they refuse to take responsibility and update this account I am asking that this account be removed from my credit report as it is being reported illegally and failing to verify the accuracy and is negatively affecting my credit and my life I am trying this last resort before seeking legal action. 

Below I have attached copies of how it is being reported to the credit bureaus thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my wife and I submitted a joint application for credit from Chrysler Capital through a link on website provided by Capitol Chrysler in XXXX XXXX MO. We received a letter of preapproval that we took to another dealer, XXXX XXXX XXXX XXXX XXXX in XXXX, KS because we got a better deal on the vehicle we wanted. All went smoothly we left that day with our vehicle and have been making payments ever since. On XX/XX/XXXX we were sent a letter from Chrysler Capital notifying us of an adverse credit determination. How can that be? We were approved and took possession on XXXX XXXX and have made timely payment since then. Why would they submit incorrect, erroneous information to our credit file? That should be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I filed bankruptcy. OneMain Financial was sent the bankruptcy paperwork from my lawyer. OneMain still has this loan account for the amount of  XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. OneMain has exceeded the time limit to fix this on my credit report.
Product: Money transfer, virtual currency, or money service

Sent multiple amounts of money through zelle prior to initial warning about who to send and receive money to and from that was lost in transaction or never received
Product: Bank account or service

When you think of danger and consumer XXXX - the CHAIRMAN OF USSA BANK AND ALL AND I MEAN ALL OF ITS PRODUCTS are not the top of the list, but the very top of the list. Federal Trade commission is still a little blind to this, I do not know if there is something going on under the table with this company cause I know thousands and thousands of people who have had similar issues like me. CEO XXXX my life, destroyed it, he lied and LAUIGHED VERY HARD over the phone telling me he enjoyed keeping and taking my money. All my bills paid on time, all insurance issues, I did reports and police reports and all. USAA BANK illegally closed bank account and kept money and they have not complied with the law and I can prove it this is XXXX of over 75 legal issues I have I want justice and regulators get on the ball with this company and fire CHAIRMAN, ceo XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX needs be put in jail for fraud.
Product: Credit card

Found out via email synchrony had closed my Lowes credit card account because of changes to my credit score. The account was active, never missed a payment and in good standing. Synchrony offered no help in this matter multiple times I called stating I could apply again, meanwhile my credit score is about to tank because they closed a 10 year old credit card with a significant amount of credit on it
Product: Vehicle loan or lease

On XX/XX/XXXX, American Honda Finance Corporation had failed to comply with the SCRA by having a non-affiliated third party, which is nowhere listed in Retail Installment Sale Contract, stole my car in front of my house. The next day I had called them to explain to them their mistake, but I had to lease a car for a whole month since I did not know how long it would take before the matter would get fixed and had to go back to the military base where I reside. That same week I had military training which require my military gears, but I was out of regulations, due to the repo company deniying my wife from retrieving my military belongings from the car. 17 days later, they returned the car to me with scratches, so I contacted them requesting remedies according to the SCRA, which made them move forward with retaining a law firm named XXXX, XXXX XXXX XXXX. 
XX/XX/year>, their lawyer emailed and called me the next day, introducing himself and requesting information, which I provided on XX/XX/year>. He later emailed me on XX/XX/year>, requesting for someone that can prove that I was on Military Active-Duty Orders when the car was repossessed, two hours later, I provided three Point of Contacts, which he negligently took 20 days before doing so, and only did because I mailed him a Notice of Dishonest that he received on XX/XX/year>. I also sent a Notice to Cure, dated XX/XX/year>, but sin then, he has been ignoring both my call and emails. 
On XX/XX/year>, I also emailed him some law violated by his client, stated my claim, and requested the remedy owed to me.
Product: Credit reporting or other personal consumer reports

My TransUnion score. on XXXX XXXX, 2023 was XXXX on XXXX XXXX drop XXXX XX/XX/XXXX drop XXXX XXXX XXXX drops XXXX XXXX XXXX drop XXXX XXXX XXXX drop. XXXX XXXX XXXX drop XXXX, From my understanding. The more you pay off your debt the higher your score goes. TransUnion is stopping. me from buying a house with the dropping of my score even though I`m paying off debt. I can seen you copy of my score.
Product: Credit card or prepaid card

I bought a wedding ring XX/XX/2016 with a Promotional Cero interest for 24 months. I chose the automatic payment option of {$530.00} a month since I knew it was going to be fixed until the account is pay off. Two months back, I realized I was being charge interest rate since the loan started. Its more than {$1000.00}. I have make several attempts for the past 2 months by calling and talking to different representatives with no results. In fact, they told me that in XX/XX/XXXX they were going to reimbursed me the interest charges. Its XX/XX/XXXX and I am still in the same position I was 2 months ago. I called 2 days ago and I feel they are giving me the run around. I need your help please.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.
Product: Credit reporting or other personal consumer reports

I submitted a complaint about the communication to XXXX XXXX about reporting transaction history in violation of 16 CFR 313. They are also stating that I can not opt out of a unilateral contract that was only signed by one party which is me, which is also a violation of 16 CFR 313. I also understand they have my securities which was the application I submitted and that they are committing securities fraud according to the SEC Act 1934 which will be taken up in federal court if this isn't all rectified. I have also sent written instructions to their indenture trustee which is THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX. 

I also understand that the debt has already been discharged using either a 1099a or 1099c filed with the IRS. So either way there is fraud being committed.