23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

Collection Agency : XXXX XXXX XXXX XXXX Original Balance {$620.00} Original Balance Accounts name : Original Creditor XXXXXXXX XXXX Reference Number XXXX Date Account Opened XX/XX/2018 Original Account Number XXXX Brand Name Indigo XXXX XXXX took by the company for nothing
Product: Credit card or prepaid card

even though I made payments to  citi bank..it w as n't the minimum..but now that I can make the minimum payment on a balance of {$12000.00} witch I am told is {$330.00} I 'm told I need to pay an extra {$290.00} and if I do n't I 'm going to continue to be charged a {$35.00} late fee ... this seems extreem
Product: Credit reporting or other personal consumer reports

I reported that a collection agency, Calvary Portfolio Service was reporting my information that was over 12 years. I dont recognize the values since it was closed nearly 12 years ago but under fair reporting, this should not even be listed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) Experian has violated my rights. The FCRA, Section 602 ( a ) ( 4 ), 15 USC 1681, states I have the right to privacy! FCRA, Section 604 ( a ) ( 2 ), 15 USC 1681b, also states a consumer reporting agency can not furnish an account without my written instructions. I never provided written instructions to Experian to furnish the accounts listed in the attached letter.
Product: Vehicle loan or lease

On XX/XX/XXXX I called Chase to set up auto payments beginning in XXXX. The csr said since the payment was due XX/XX/XXXX it wouldn't be enough time to do an auto payment for XXXX. She said I had to pay her on the phone with a check. So I canceled the one time payment for XXXX, set up auto pay to start in XXXX and paid her with a phone check. That payment was processed for XXXX. On XX/XX/XXXX Chsse took a duplicate payment of XXXX. I called Chase on the XXXX and said give the money back. The csr verified it was a duplicate payment and said the XXXX would be in my account in 3 business days on the XXXX. Chase failed to return it on the XXXX. I called on the XXXX and several supervisors said they see I should have gotten it. Had no answers as to whether they would every process the refund. Had no answers asto why they continue to wrongly hold my money. Everything is " we don't know '' anything about anything. We don't know if you'll ever get it. We just don't know anything other than you are entitled to have it back. Whenever the mood strikes us. They said they will not give me the same money they would charge me if I didn't pay them til I felt like it. They said I will never get an extra dime no matter how long they choose to not refund it while THEY make daily interest on it and I can't pay my bills cuz they simply don't perform. Plus the customer service is nightmarish. They also said they have no idea who I should file a complaint with about them. I had to do my own research and call a Federal Reserve to get this info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$31000.00}. 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Also it shows us {$290000.00} as original charged off that is inacurate info and should be deleted inmediatly Under the law inacurate info should me remove. 
Can you proof that I owe XXXX US Dollars?
Product: Checking or savings account

On XX/XX/XXXX requested an electronic download of transactions that I have requested and been provided for over XXXX  years. This data is no longer available. After spending over 4 1/2 hours on XX/XX/XXXX on the phone today with Navy Federal, and being hung up on. I was told the issue was my browser, my XXXX XXXX, what account I was signing into, etc. I We are unable to get access to our own personal banking electronic information. At the end of 4 1/2 hours I was told by the digital dept that it was a known error. I was told that I might be able to get my data in 3 to 5 business days. Unacceptable. This is negligence by NFCU. I understand, from the member service contact XXXX, who was very helpful, that her lead, and the supervisor refused to provide any information to draft a letter to the CEO of Navy Federal credit Union. I do not have the name of the lead, nor the supervisor, because NFCU refused to provide that information. I requested a response to multiple messages for the CEOs name and address to draft a letter. NFCU continues to refuse the information request. NFCU continues to provide access to my digital data.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 XXXXXX/XX/XXXX 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 of 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

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, 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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My own mother ruined my credit when I was younger she would always make me get on the phone and tell companies I agree and I never knew what it was for until later in life when I tried doing this with credit and was denied and I checked and saw so many debts left unpaid from companies she would frequently purchase from, she denied and then eventually told the truth but in true narcissistic fashion she blamed me saying it was my fault because as a child I asked for things that were expensive so instead of saying no she committed fraud using my name and ruined my credit with no intention of ever paying it back or fixing it, I was finally able to move away and when I did I realized just how bad it actually was I am denied from everything and struggling with my own child because I have this large debt that was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency did NOT follow the guidelines for notifying that a debt is disputed by the consumer. On XX/XX/2021 I disputed an alleged debt with EXPERIAN, ( original creditor XXXX XXXX ). I received a response on XX/XX/2021. 

This complaint is not concerning the determination of said dispute. Instead, this complaint shall address the failure to update a notice on consumers report that said account has been disputed by consumer. 

Below is two violations that EXPERIAN is in fault of. 

FDCPA 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

FCRA 623. 
( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Credit reporting or other personal consumer reports

I initially filed my dispute XX/XX/XXXX with all bureaus I respectfully gave them a identity theft report and police report as well. I explained I was incarcerated when these accounts were open as well as fraudulent transactions they removed XXXX or XXXX that couldn't be verified do to the fraud but left several accounts based on the same Identity theft and police report saying they were verified. XXXX left XXXX accounts XXXX XXXX {$1500.00}. XXXX {$2800.00} XXXX XXXX {$8500.00}. XXXX {$1400.00} XXXX {$520.00}. Transunion did the same thing but only left XXXX accounts XXXX XXXX {$1500.00}. XXXX {$2800.00} and XXXX XXXX {$8500.00}. None of these accounts were verified. I continued to send dispute letters from XX/XX/XXXX and other XXXX XXXX and XX/XX/XXXX of XXXX even online disputed over a month ago and just recently disputed with both bureaus XX/XX/XXXX for the same issue. They continue to tell me to get in contact with the creditor they cant get a contract I explained it's suppose to be in my file sources what ever they used to place the information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

This agency is in clear violation of my consumer rights. Specifically, you have failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), yet you have reported a collection account on my consumer report. Additionally, your actions demonstrate the use of false, misleading, and deceptive practices, which further infringe upon my rights as a consumer. 



I have made previous attempts to address these issues directly with your company, but you continue to disregard my rights. For every violation outlined, I am entitled to {$1000.00} in statutory damages. You must either immediately remove these accounts from my consumer report or compensate me accordingly.
Product: Credit reporting

I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to the credit bureaus with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.
Product: Debt collection

According to the CFPB 's recently-established XXXX XXXX XXXX, if a particular debt collector calls more than seven times in seven days to try and collect on a debt, they are deemed to be in violation of the law and are harassing you. Ally has been calling me repeatedly and not stop and even on weekends. The number s are XXXX, XXXX, and XXXX. In the state of Florida it is only seven calls in seven days and they have violated over the top with repeated calls two and three times a day. The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. 

The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesnt cover business debts, and it also doesnt generally cover collection by the original creditor or business you owed money to.
Product: Student loan

The issue started on XX/XX/19. I received a letter stating that my loan would be going into litigation because of the delinquency. Prior to this letter I had explained to Navient that I could not afford the {$560.00} a month payments. I begged them for lower payment options that I could afford. They only offered me the option of forbearance payments until I could no longer make them on the account. I was so afraid of my wages be garnished I sent in all of the required documentation to have the payments lowered to {$350.00} a month for one loan! I was told by the rep who was helping during the process that submitting all these documents would help get the loan reduced because I would be left with very little cushion for the month ; he lied. I literally have only a {$120.00} left per month after all expenses are paid.I have no money available in case of a financial emergency. I have no money saved because I basically live paycheck to paycheck. I have inquired for so long about lower payment options and I have gotten no assistance in the matter. I can not afford to make these payments for very long. The interest rate is outrageous. I originally borrowed {$18000.00} and I now have to payback {$45000.00}. I need help please. Navient has been of no assistance and I can not continue to make such large payments for that one loan when I have several others that I will have to start repayment for soon.
Product: Consumer Loan

In XXXX XXXX I leased a XXXX Nissan Rouge for a term of 39 months. I returned the vehicle in XXXX XXXX with XXXX miles under the allowed amount of XXXX miles, and the vehicle passed the end of lease inspection without any damage. The vehicle has since been sold by the dealer XXXX Nissan as it was in excellent condition and had very low miles, XXXX, so XXXX Nissan has made a very significant profit on this lease, as well as Nissan Motor Acceptance Corporation, XXXX. XXXX XXXX. XXXX, Texas XXXX. Recently I received an Invoice for a Disposition Fee plus Disposition Fee Tax for a total of {$430.00} because I chose not to lease a new Nissan or utilize the option to buy the car I leased. After examining the Lease Agreement I found no mention whatsoever of a Disposition Fee anywhere in the paperwork. If I had seen such on the lease agreement I would not have leased the vehicle in the first place. For this reason I 'm asking you to contact Nissan Motor Acceptance Corporation and have this unacceptable fee waived due to non disclosure.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$1800.00}
Product: Credit reporting or other personal consumer reports

The INQUIRIESlisted below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I got behind on my payments which are due every two weeks because I started a new job. When I got established in the new job I set up a payment arrangement to pay every Friday ( pay day ) until I was caught up and I was keeping the arrangements. However, the company keeps calling me to collect and I tell them that I have a payment plan in place but the still call EVERY DAY. I have talked nicely with them and they keep saying that will notate the account and the calls will stop but they have not.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/25 Consumer Financial Protection Bureau1700 G Street NW Washington, DC 20552 Subject : Complaint Regarding Negative Credit Report Marks in Light of Recent Data Breach Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate and unfair negative marks on my credit report with the three major credit reporting agencies ( XXXX, Experian, and XXXX ). I believe these marks may be related to or exacerbated by the recent data breach that compromised consumer data, leaving individuals vulnerable to identity theft and fraudulent activity. 

Background Information Recent Breach Impact : The recent breach affecting the credit bureaus exposed sensitive personal and financial information, putting millions of consumers, including myself, at risk of fraudulent activity and identity theft. This breach has likely contributed to the negative items now appearing on my credit report. 

Unwarranted Negative Marks : Upon reviewing my credit reports, I discovered the following negative marks that I strongly believe to be inaccurate or the result of unauthorized activity : Any charge offs, collections and incorrect information such as addresses or phone numbers. 

Harm to Creditworthiness : These negative marks have adversely impacted my credit score and have caused significant financial harm, including [ e.g., " denial of credit, '' " higher interest rates, '' " denial of housing opportunities '' ]. 

Actions Taken I have taken the following steps in an attempt to address this matter : Filed Disputes with Credit Bureaus : I contacted XXXX, Experian, and XXXX to dispute these inaccurate entries and requested that they provide validation of the debts or negative marks. 

Requested Supporting Documentation : I requested documentation from the creditors to validate the reported debts, but the information provided was either incomplete or absent. 

Despite my efforts, these negative marks remain on my credit reports, and the credit bureaus have not adequately addressed my concerns. 

Desired Resolution In light of the above, I am requesting the following : That the CFPB investigate the credit bureaus ' handling of my disputes and their compliance with the Fair Credit Reporting Act ( FCRA ). 

That all negative marks related to unauthorized or fraudulent activity be removed from my credit reports immediately. 

That the credit bureaus provide a detailed explanation of their investigation process and furnish complete documentation validating the disputed entries. 

That additional protections be put in place for consumers affected by the breach to prevent further harm and ensure fair treatment in the resolution of credit disputes. 


I trust that the CFPB will investigate this matter thoroughly and take the necessary steps to ensure that my rights under the Fair Credit Reporting Act are protected. Please do not hesitate to contact me if additional information is required. 

Thank you for your time and attention to this urgent matter. I look forward to your response. 

Sincerely, XXXX XXXX