23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

To whom it XXXX concern, My finance company Flagship Credit Acceptance is using an illegal forwarding company that is based out of XXXX and has no business license in the state of california to operate. XXXX XXXX is the company and XXXX is the owner. 

My car was repossessed in XX/XX/XXXX by XXXX XXXX and XXXX XXXX, they both came into my underground parking illegally and lied about where they picked my vehicle up from. To this day XXXX is still operating out of California illegally. I received a settlement from XXXX XXXX and XXXX XXXX, I wanted to make the CFPB aware of this and the practices of Flagship Credit Acceptance and XXXX XXXX along with their partnership. 

XXXX from XXXX XXXX showed up XXXX on XX/XX/XXXX just before covid. He took pictures and i asked " am I going to get visit from Flagship concerning my vehicle, XXXX assured me I would not. This was the 2nd time XXXX XXXX has come to my place and made contact before or after the CFPB time frame. 

I received a phone call on XX/XX/XXXX at XXXX From Flagship and I am in the state of California and this is the 2nd time this has happened with Flagship. The last time Flagship blocked me from making any contact with them please insure they do not do this again when they are investigating.
Product: Mortgage

My mortgage lender sold my mortgage, at the same time the amount was adjusted to cover escrow. Somehow I missed the slight uptick in the amount ( {$47.00} ) so the mortgage company posted the money I did paid at " unapplied. '' I then saw the error, called the company, was given the run around and finally the clerk told me she could not give me the new mortgage amount until I submitted the {$47.00}. I mailed a check that day and still received a threatening letter. Given the sale of the mortgage, the new amount, and my call to the company I would have expected more courtesy. So apparently they get to " hold '' my payment as " unapplied '' - which seems grossly unfair. The company is Dovenmuehle Mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rigths to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX - XXXX. 15 USC 1681 Section 602A, states I have a right to privacy. 15 USC 1681 Section 602A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 ( a ) ( 5 ) Section 2, 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 conviction of crimes which outdates the report by more than seven years. 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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

Last XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

My accounts including XXXX and Zales, both issued by Comenity Capital Bank, show over payment balances. The XXXX account shows a credit balance in amount of {$41.00}, requested a refund via ACH deposit several days ago on XX/XX/28, account shows credit balance as of today, XXXX, no refund processed. The Zales account shows a credit balance in amount of {$920.00}, not including a recently mailed payment in amount of {$20.00}, which may post by time Comenity rep ( s ) research this matter and reply back. I've also requested a refund via ACH to my bank account for this account as well, account still shows overpayment amount of {$920.00} as of today.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on my way to yoga dropped my pocket book rushing, no big deal! I put everything back and wenf to class. 
When It was time fo return to east coast I realized I didnt ha XXXX my social security card that I had in a separate compartment. I received an alert from someone attempting to make purchases with a card I may not have retrieved and now I have miscellaneous accounts reporting on my reports that wasnt there prior to me dropping my bag. Im afraid for my identity as it may have been compromised.
Product: Credit reporting or other personal consumer reports

Account XXXX Dear LVNV Funding LLC, I am writing in response to your recent communication regarding the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide the necessary documentation to validate the debt and establish your authority to collect it. 

Specifically, I am requesting : Proof of Ownership of the Debt : A complete and unbroken chain of assignment showing all transfers of the account from the original creditor to your agency. This should include copies of all assignment agreements, purchase agreements, or other documents evidencing each transfer. 

Account-Level Documentation : A detailed account statement showing the full history of the account, including the original balance, itemized charges, fees, and payments made. 

Documentation from the original creditor confirming the validity of the debt, including the original agreement or contract that created the obligation. 

Verification of Amount Owed : A breakdown of the current balance, including the principal amount, interest, fees, and any other charges. 

Proof of Your Authorization to Collect : Documentation demonstrating that your agency has been authorized to collect this debt and that you are acting within the scope of this authorization. 

Until I receive this information, I respectfully request that you cease all collection activities related to this account. Additionally, if you are unable to provide the requested documentation, please confirm in writing that you will cease collection efforts and notify all credit reporting agencies to which you have reported this account to delete it from my credit file. 

Please be advised that this letter is not an acknowledgment or acceptance of the debt, nor is it a refusal to pay. It is a request for information and validation as allowed by law. I expect your prompt response to this matter and look forward to receiving the requested documentation within 30 days. 

Thank you for your attention to this matter. Please direct all future correspondence regarding this account to the address listed above. 

Sincerely, [ XXXX ] XXXX XXXX XXXX Without Prejudice
Product: Debt collection

This account does not belong to me I have contacted the original creditor and collections agency to verify the validity of this account and have yet to receive proof of ownership of the account or service rendered. XXXX XXXX amount owed {$720.00}
Product: Student loan

Whom It May Concern, I am writing to express my frustration and concern regarding the incomplete processing of my application for the SAVE plan. Despite submitting the application in XX/XX/2024, it has not been completed, and I have been placed in forbearance since then. This has caused several significant issues, which I would like to bring to your immediate attention : Accumulating Interest : Due to being placed in forbearance, my loans have been accruing interest unnecessarily, increasing my financial burden. 
Negative Impact on Credit : The plan under which I have been placed has adversely affected my credit, further complicating my financial situation.

Communication Challenges : I have made multiple attempts to contact your office to resolve this issue. Each time, I have been placed on hold for an egregiously long time without any resolution or meaningful update on the status of my application. 
This situation is both frustrating and unacceptable. I kindly request the following actions be taken immediately : Thank you for your prompt attention to this urgent matter. I look forward to your resolution. 

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

I filled a dispute with EXPERIAN because there are 2 fraudulent accounts on my credit report they are both from the same lender XXXX one was in XXXX, XXXX  the other XXXX, XXXX  EXPERIAN said they an investigation and found that these were my accounts which is not true so I did my own investigation and called XXXX at XXXX and spoke with a representative named XXXX and found out they have a fake email and phone number also the loan was used for XXXX XXXX in someone else name but they got a loan using my ss number strongly urge EXPERIAN to call this company and they will tell I never signed any paperwork they don't even have a copy of my ID
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right of privacy 15U.S.C 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to case # XXXX TransUnion failed to conduct a reasonable reinvestigation to determine the validity of the disputed XXXX XXXX late payment as it still exist on my account. There are XXXX XXXX XXXX accounts on report. I need them provide verification of all information they used to investigate my dispute, to include a standard form outlining the general characteristics of such information. who did you talk to at XXXX XXXX, when did they talk to them, and I also need the name of the point of contact name and address. As per The Gramm-Leach-Bliley Act, 15 USC 6802, obligation with respect to disclosure of personal information. TransUnion must explain their information-sharing practices to their customers, which I received no such notice to safeguard my sensitive data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXXXXXX. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.
Product: Credit reporting or other personal consumer reports

I wish to stress that I have no association with these creditors, and I did not instigate this inquiry on my credit report. I urgently beseech you to take immediate steps to remove it without any additional delay. I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.
Product: Credit card

I was offered a promotional balance with care credit and payed in XXXX separate transactions and both confirmed over the phone that it was processed and there was enough money on the account. Later I was told it was declined although it is processed with my card company and I was also charged a late fee as well in which I was not late I made enough payments on time and it seems like these promotional balances that they are offering may be a way of doing activities such as this to make it look like it was not processed or they reject it to make more charges to make up for promotional difference or more. I suspect fraud from this company.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX CARD XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a complaint regarding the lowering of my credit score by 22 points. Complaint # XXXX. I received a form letter today that does nothing to resolve the issue. I contacted Experian again and was told to ask about Negative reporting factors. I spoke with XXXX from Experian and she told me that what is reported on my report is : Non Activity on a Non Mortgage Loan. I ask her which lender reported this and she told me she could not see the name of the lender and therefore could not give me that information. THIS MAKES NO SENSE!! Experian has to know who the creditor is that reported the negative factor. If they do not know who reported the Non Activity on a Non Mortgage Loan then there should not have been a drop in my score by 22 points. Experian can not lower a  credit score with out a legitimate creditor reporting a change. 
Creditors pay to report to Experian, therefore they do know who the creditor is. 
I have every right to know who reported this on my credit in order for me, the consumer, to dispute this factor. I am requesting this information. 
If Experian can not give me the information I am requesting then Experian needs to rectify the situation and raise my credit score back up from a XXXX to an XXXX. 
I DO NOT NEED ANOTHER CREDIT REPORT SENT TO ME along with another form letter. All information on my report is correct. I have had a freeze on all 3 Bureau 's since XX/XX/2017. No one can get into my credit with out me unlocking it. Nothing has change, I have not opened or closed any new accounts. My credit limits have not resin. Again, NOTHING HAS CHANGED!! I am requesting Experian mail me the creditor information that is linked to the NON ACTIVITY ON A NON MORTGAGE LOAN FACTOR. I was told there is nothing else on my credit but this factor that is lowering my credit score. On a side note, XXXX  and XXXX have not lowered my score at all. I have an XXXX on XXXX and an XXXX on XXXX. I will also repeat what was said in the previous complaint. I think Experian is lowering scores so consumers will use their boost app. When I logged on to my Experian acct it noted that if I put information into the app it would raise my score 16 points. Again, a score that should not have been lowered in the first place. Please have Experian send me the lender information ONLY that is attached to the negative factor on my report.
Product: Credit reporting

A public record still on my account,, I paid off the balance to full fill the judgement
Product: Credit reporting

XXXX has been reporting a foreclosure on my credit reports for seven years. However, this mortgage was never foreclosed. In addition, the correct date of XXXX delinquency was not reported. All XXXX credit bureaus reported different XXXX date of delinquency dates which further indicated XXXX is not reporting correctly. XXXX and XXXX XXXX noticed this discrepency and deleted the account ( XXXX ). Equifax noticed the discrepency but continues to report the account after multiple investigations displayed inaccurate data. I have explained to Equifax that I was denied credit due to the account stating it was a foreclosure. On XXXX XXXX, 2015, the account was changed again to account closed and paid, and no foreclosure. I am submitting documents.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I did not authorize, I would like those inquiries to be removed. According to the FCRA these unverified and unauthorized items must be removed.

Heres a couple inquiries I do not recognize. 

GLOBAL LENDING SERVICES XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

I looked at my XXXX, Equifax XXXX 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 generallf, 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 suppose 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, credit repair services, or other personal consumer reports

Good Morning! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that the same information on my credit report was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 corrected : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX {$13000.00}
Product: Debt collection

I'm not sure what happened, but I noticed collections, debts, and charge-offs on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I.C . System, and XXXX. I strongly believe these issues may be linked to the XXXX and XXXX data breaches.