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  XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. Or 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 card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/ 2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the accordance with the fair Credit Reporting Act. the XXXX of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

DEPT OF EDXXXX XXXX XXXX OF XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX  DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX  DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX  DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 8784 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 States : it also states that 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 the 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 reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
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. Collection Service Center 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 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 An 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: Student loan

I paid on my student loans consistently from XXXX. I had to stop due to a family crisis and business failure that eventually led me to file bankruptcy in XXXX, XXXX. The case closed in XXXX of XXXX and the majority of my debt discharged. I immediately had my attorney contact the third party student loan collector on XXXX XXXX, XXXX. Rather than communicate with my legal counsel, they sent a form for my attorney to fill out authorizing them to talk to him. This is despite the fact, he had an authorization attached to the original letter. He sent the " Authorization to Disclose '' provided by ECMC. The authorization was lost. ECMC would not even communicate with my attorney for over a year. They denied getting the " Authorization '' and another was sent on XXXX XXXX, XXXX. Once the authorization was finally acknowledged, my attorney requested a hearing, but the hearing request was ignored. My attorney asked for an accounting and for all the documentation held by ECMC. On XXXX XXXX, XXXX, we received a letter explaining that they did not have any information on my prior payment history and the only information they were able to provide was a copy of the original promissory note from XXXX. I still have not received any accounting for all of the payments I made and the net result is I have student loans that exceed the original amount, even though I paid on them for seven years. In addition, I am being penalized for hiring legal counsel, since much of the recent delay has been by ECMC 's lack of communication with my legal counsel and the denial of his request for a hearing. My tax refund for XXXX was seized by ECMC. Their sole objective seemed to be to add the collection costs of 24.34 % on to my student loans. I have no problem paying my obligations, but I 've unnecessarily been placed in default and collections, when simply working with my attorney after my bankruptcy an appropriate repayment plan could have been reached. Now the defaulted loan is impacting my security clearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed multiple bankruptcies on my report. Ive disputed these alleged bankruptcies multiple times and I am getting the same response from the bureaus. I asked each one to send tangible verification and neither provided it. Each bureau also obtain my information in a unverified manner. Again these bankruptcies are not mine and I ask for them to be removed ASAP!
Product: Debt collection

I would like the collection calls to stop. Ive been making payments towards the balance. 

I lost my job and became homeless. Thats why I fell behind on my payments. As soon as I got a job, I began to take care of the balance owed. However, Ive been furloughed due to COVID so I am unable to continue making anymore payments. I would like to settle for {$1500.00}. I have saved this amount and would like to pay it to take care of the account for less than the balance owed.
Product: Credit card or prepaid card

Dear Capital One /Executive Office of President ; I was shocked when I reviewed my XXXX , XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : XX/XX/2018 for 30 days? 

I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I |thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that were added to my account. I do not believe it is accurate. 

I would rather not have to spend more time than necessary for both of us to resolve this situation so I was hoping that instead of escalating anything, that you could help me with this and report me as being 100 % on time. 

I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past. 

Thank you! 

XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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
Product: Credit reporting or other personal consumer reports

these are the accounts that I have marked accounts inacurate. 
XXXX XXXX XX/XX/XXXX. {$700.00} XXXX XXXX  XX/XX/XXXX {$9300.00} XXXX XXXX  XXXX XXXX {$5.00} XXXX XXXX XXXXXX/XX/XXXX. {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. {$4300.00} 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
Product: Debt collection

The firm Pressler and Pressler violated the Fair Debt Collection Practices Act when it caused my joint bank accounts to be levied. 
The debtor owns none of the money in the account - or only has funds in it that can not be levied at all, like social security or XXXX payments. My wife incurred credit card debts prior to marrying myself. Only my wife was a debtor obligated, obligated to respond to, Pressler and Pressler.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX made two hard pulls in 9 days for same product. one of these hard inquiries needs to be removed.
Product: Debt collection

XXXX XXXX XXXX has started calling again every since the stimulus checks are coming out. I have told them I will not pay for a vehicle that was totaled in XXXX and the original creditor got the insurance money. Now they brought the loan form XXXX XXXX XXXX of Indiana and XXXX and trying to collect the remaining amount. I'm on social security and not paying for it. They both the XXXX original creditor and XXXX XXXX have charge it off as a bad debit. XXXX XXXX XXXX is trying to silver line it's pockets. This started back in XXXX and then it was quiet now starting again since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Mortgage

My mortgage payment along with the escrow account are automatically deducted on the first of every month from my bank account. Thus, my payments have never been late. I received a notice of a lien for my 2022 taxes in XXXX of 2023. My property taxes have not been paid for last year even though I have contributed to the escrow account every single month in good faith that the taxes would be paid. I feel as if the bank has committed fraud and caused me undo stress and time trying to resolve the matter. I was told that someone called the tax office to obtain the appropriate information and would pay the taxes yesterday, they were just waiting to hear from the tax office. I spoke with the tax office, and they never received a request for any information yesterday. I am under extreme duress about this situation. I have made multiple calls to the bank and I feel as if no one is offering a timely solution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation 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.

and according to 15 USC 1681s-2 they are supposed to 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Reporting as Debt # XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the reporting of a charge-off ' associated with the above- referenced debt on my consumer report. Upon reviewing the account history and publicly available records, I believe there to be lack of full disclosure via fraudulent concealment which may have aided in an unjust enrichment.

This transfer of ownership to the trust and selling of the securities raises several concerns regarding the accuracy and legitimacy of the reported charge-off '.

Additionally, I have identified multiple data points associated with this debt that are being reported inaccurately across various credit bureaus. These inaccuracies further undermine the legitimacy of the charge-off and contribute to finance hinderance in my life Specifically, I am disputing the following : 1. Accuracy of Charge-Off Reporting : If my promissory note was securitized this means off - balance - sheet book keeping occurred which may have derecognized XXXX XXXX XXXX XXXX liabilities , removed them from their books and transferred them to XXXX XXXX XXXX XXXX who then sold them for profit. So, writing it off as a bad debt/lost and reporting it as a charge off is false reporting, fraud, and embezzlement.Validation of Debt : I request detailed, debt-level documentation proving XXXX XXXX XXXX XXXX retained the authority to report the charge-off after securitization. This should include a solid chain of authority demonstrating the assignment or reassignment of the debt back to XXXX XXXX XXXX XXXX evidence of the debts transfer, the balance at the time of transfer, and any agreements validating XXXX XXXX XXXX XXXX continued reporting authority for this debt.

Potential Double Recovery/Unjust enrichment : If the debt was securitized and sold, XXXX XXXX XXXX XXXXXXXX may have already been compensated for this debt through the securitization process. In such a case, reporting the debt as a charge-off is false and mislead. I request that you investigate this matter thoroughly and provide a written response within 14 Days from receipt of this notice. If you can not validate the legitimacy of this charge-off reporting, I demand that you remove this entry from my credit reports with all major credit reporting agencies ( XXXX, XXXX, and XXXX. Failure to address this dispute accurately and promptly will result in additional action in pursuing remedy.

Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, my Bank of America ( BOA ) credit card information was used to make 5 purchases on the internet. I was not notified of this until XX/XX/XXXX and was only notified of 3 charges. I said I didnt make the charges and they were immediately taken off and a new card was issued. I was not notified of the other 2 charges until I received a letter dated XX/XX/XXXX. 
I spoke with BOA Fraud Department several times and received conflicting information each time. I was told to file a police report which I did and faxed to BOA on XX/XX/XXXX. A police XXXX called me and told me I have to have the location of the incident and it has to be in XXXX before they will investigate. I have been unable to obtain this information from BOA despite calls and a personal visit. I was told that all they could tell me was that the merchants billing address was in California. 
On a personal visit to the XXXX XXXX, Florida BOA branch, the manager looked up the company on the internet, called them, and told us that we had purchased a septic tank pump. Later, I looked up the company myself and discovered that when I entered XXXX, it redirects you to XXXX XXXX XXXX XXXX which is a legitimate company that sells septic tank pumps through XXXX. 
When I first tried the phone numbers provided by BOA for the merchants, they were both not working numbers. Later, I tried again and the XXXX number worked. I asked the person who answered for her name and the name of the company, which she refused to provide. She said they answer phones for many companies. She asked my name and when I told her she immediately knew what I was calling about. She informed me that I had purchased a raffle ticket from one of the merchants and entered a sweepstake with the other one. Then she stated that I would not be receiving one penny of my money back. 
Of course, I didnt make these purchases but BOA insists I did. BOA Fraud Department says they have investigated but yet they havent provided any information about the merchant or proof that I made the purchases. BOA is continuing to charge me fees and interest on the disputed amount but I will not pay it because I didnt make the charges. I havent used my BOA card in over 2 years because I use it mainly for travel expenses so I dont know how someone got my bank information. I havent experienced any problems with any of my other accounts being used.
Product: Credit card or prepaid card

I have attempted to use my card since XXXX that the Bank of America issued on behalf of the State of CA for XXXX. The bank states that they needed information from CA in regards to fraud. CA stated that they have not issued any blocks on my card. I have been back and forth so many times and have spent over 6 hrs on the phone one evening. No one is taking responsibility. Finally, the other night an XXXX employee told me the only solution was to file a complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I reviewed my customer reports and noticed that I have one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year>. I ask that you please review and investigate this matter and provide documentation with proof of statement showing that these payments were late. If proof cant be provided I demand these payments to be updated to paid as agreed on time as they should reflect due to the fact I was never late. Thank you in advance, please see supporting details attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX accounts : ( XXXXXXXX XXXX ), ( XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX   ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 602 A : states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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