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

Company was notified with notarized documents pertaining to the information that is was incorrect and to be removed under 15 usc 1692b ( 3 ) The term creditor is defined under 15 usc 1692a as any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Defamation is defined under 28 U.S. Code 4101 ( 1 ) : The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person.

15 U.S. Code 1692d ( 1 ) : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

XXXX XXXX received an affidavit and is in default of charges as they have failed to rebut the affidavit line by line as required by law.

The third maxim of Commercial Law states in commerce, truth is sovereign.

The fourth maxim of Commercial Law states truth is expressed in the form of an affidavit The fifth maxim of Commercial Law states that an unrebutted affidavit stands as truth The sixth maxim of Commercial Law states that an unrebutted affidavit becomes judgment in commerce.

The tenth maxim of Commercial Law states that a lien or claim can be satisfied only through ( a ) rebuttal by counteraffidavit point by point ; ( b ) resolution by a jury; or ( c ) payment or performance of the claim.

XXXX  XXXX  has failed to meet the requirements to a legal claim of a debt owed as well as to rebut the affidavit.
Product: Debt collection

I contacted the original creditor in XXXX {$74.00} when a second bill was received and advised the that bill was paid from my HSA account on XX/XX/22 I provided them with the transaction information from my XXXX  and they said that it would be looked into today I received a collection notice XXXX
Product: Credit reporting or other personal consumer reports

I sent letters to Experian and XXXX and asked if they could send me copies of the documents used to verify the accuracy of the accounts on XX/XX/2023. Experian and XXXX sent me an alert which said the account was updated and the company verified my account. I asked for proof of any files to verify this account and if there aren't any, please delete this account. Experian or XXXX doesn't have any files to verify this account, nor will they delete it.
Product: Credit reporting or other personal consumer reports

XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX unethically used my personal information to apply for a loan with Citizens Bank. I did not authorize the credit inquiry and upon recognizing it, I immediately canceled my relationship with XXXX. 

There is no documentation that exists that would prove me wrong! 

Upon contacting Citizens Bank, they acknowledged the loan application that I supposedly authorized, and supporting documentation, but they blatantly refused to provide me with the said documentation. XXXX also refused to furnish the said signed documentation. 

Please help me clear the credit inquiry from my profile, and please mitigate the risk involved in both XXXX and Citizens Bank Credit processes!
Product: Credit reporting, credit repair services, or other personal consumer reports

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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 was recently released from from XXXX and I discovered I was a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt of {$470.00} owed for a credit card with a beginning balance of {$400.00}. The card was opened on XX/XX/XXXX. The Account was closed on XX/XX/XXXX. This debt is not valid and should no longer be appearing in my credit file. In accordance with the FCRA this file should have been removed from reporting as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting an account from XXXX XXXX XXXX on my credit report as in collection on XX/XX/2017which never happened as i always paid the account on time & upon my repeat disputes, experian has refused? failed to further investigate the dispute as perviously disputed. This information is completely inaccurate & is hurting my credit due to mistake made by experian & must be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

We have a VA Guaranteed Mortgage loan with USAA since XXXX XXXX. 
let me number the problems we had and still have with them : # We told USAA is the lender and servicer for loan. But every time we have to call USAA, they made us deal with 3th.parties ( their servicer ) # XXXX We got a call from USAA in order to refinance our mortgage for lover interest rate. We told it will reduce monthly payment. And no out of pocket expenses from us. We agreed so. At the end of process, we have to wrote a check for {$80.00}. 
# We told " Mortgage insurance will finance with new loan ''. So we call them to make sure before we spend the refund mortgage insurance from old loan at XXXX time. Representative from USAA told us " Mortgage Insurance already build in to new loan ''. We spended the refund at XXXX time. Month later USAA turn around and ask us to make {$1500.00} Mortgage insurance payment. When we contacted them, USAA told us " There was a mistake or misunderstanding, We are sorry but You have to make the payment. 
My question was " since when we start paying for banks mistakes? '' # last and current one is ; We got online and schedule first payment of new loan for the date We receive my pension. Which is XXXX of each month last 6 years for old loan and this loan. We schedule as it is for XXXX of every month. Servicer of USAA try to take funds before the first ( as it schedule ) and payment decline. They are asking me to pay $ XXXX-Bad Check Fee-. We made all our payments on XXXX of each month and there is no reason for available fun before then to make payment. Why we would try to make such thing as they claim. 
Mistake of Usaa {$80.00} and {$20.00}, we would like it to refund and it is not fair to pay for {$1500.00} baking mistake and We have to pay for it. USAA did not build it in the loan, we told. And Usaa should pay for their own mistake, not us.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit rating was at XXXX for years. 
On XXXX I traveled from XXXX  to XXXX  to look fpr a new home. Suddenly, my credit rating dropped to XXXX. I was ineligible to buy many co-ops and condos due to my credit rating being under XXXX. 
I looked at my credit report and XXXX charges from years ago appeared on there. In addition. XXXX claimed I paid only XXXX of my accounts on time. 
I have been devastated by this inaccurate reporting.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXX XXXX XXXX - DATE XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX. - XXXX XXXX. XXXXXXXX XXXX XXXX  - XXXX
Product: Debt or credit management

National Debt Relief promised to help me settle debts with creditors. However they did not live up to their promise and just continuously took money monthly from my account to which the creditors only got {$200.00}. Ive attached the statements I received and now I face severe financial crisis. I want my money returned
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2015 with a balance of {$5900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have a problem with one of my XXXX XXXX credit cards reporting 30 days late on my report. In XX/XX/XXXX I lost my credit card, I did not notice card was missing and never opened statment be cause I paid off ballance in XXXX. I found out when I applied for a loan that card was reporting 30 days late. I called XXXX XXXX and explained what had hapened. I filled a police report, I wrote a leter to XXXX XXXX explaining what happened. After a month or so they rufunded charges, but they never removed 30 day late from my credit report. I have tried to resolve this through phone calls and letters but have been unsucsseful, please help.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  XX/XX/year>2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX  XXXX XX/XX/year>2024 XXXX XXXX XXXX  XXXX XX/XX/year>2024, XXXX XXXX  XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX  XXXX  XX/XX/year>2024 , XXXX XXXX XXXX  XX/XX/year>2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024 , XXXX XXXX XX/XX/scrub>/2024 , XXXX XXXX XXXX  XX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX  XXXX XXXX XXXXXXXX  XX/XX/scrub>/2024, XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/year>2024 , XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XXXX XX/XX/year>2024, XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024 & XXXX XXXX XXXX XX/XX/scrub>/2024.
Product: Payday loan, title loan, personal loan, or advance loan

So I recently applied for a line of credit from the Company Tomoboost which has an unconventional way of supplying credit to consumers. In which you can pay an amount for them to report a Iine of credit to your report according to different tiers of products. I initially applied for a basic plan of {$9.00} and towards the the close of the month they were advertising a discount for a higher tier. I upgraded to a higher for a discounted price was charged immediately. Now I never received any benefits from this company in the case of reporting to my credit file and they have been trying to charge a higher monthly fee a week after I agreed to upgrade. I told them that I have not received any benefits and would from their service which would equate to a theft of service and false advertisements. I have sent multiple communications to the company telling them to close the account and refund my money in full if they can't upgrade my account and waive the fees because I am not satisfied nor did I receive service. I have been given the run around about this for over 3 weeks now, they have stopped responding to emails and have not taken any action to correct this. They attempt to charge my card everyday even after I have told them I don't want this service. This is a direct violation of my consumer rights and also negligence on behalf of this company.
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, 15 USC 6802, 15 USC 1681b, 18USC 1028A. ACCT NAME : CARMAX AUTO FINANCE ACCT # XXXX. This account 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 card or prepaid card

This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, AMEX - ACCT # XXXX have violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Product: Mortgage

I have a VA LOAN with XXXX Loan Servicing XXXX sub servicing by Loancare XXXX XXXX XXXX. In XX/XX/2020 I accepted an offer from a buyer to sell my house. On XX/XX/2020 my title company XXXX XXXX contacted Loancare for a payoff statement. They provided a payoff statement of {$140000.00} an amount they stated was good till XX/XX/2020. The house was sold and the closing date was XX/XX/2020. The title company wired over the payoff of {$140000.00} to Loancare. On XX/XX/XXXX Loancare contacted XXXX XXXX stating the payoff was short. I called Loancare and I was told it was short due to hazard insurance disbursement they made after the payoff statement, I was informed that my escrow was short {$550.00}. I proceeded to pay Loancare immediately {$550.00} from my checking account to zero out the escrow based on what they told me.Over the last two weeks I've been calling Loancare to ensure the loan is paid off and my account closed. Yesterday they sent back the wire transfer to the title company stating the payoff was short, this is after my {$550.00} direct payment and the payoff from the title company.Now they are claiming the payoff is {$140000.00} due to late fees. I believe Loancare is practicing deceptive, unfair and abusive acts. They are coming up with miscellaneous charges and expenses are trying to have consumers pay more than they owe. They are trying to have consumers float the bill for their lack of due diligence and are passing on unfair costs to consumers. Please I need your help resolving this issue. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus are reporting inaccurate items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original student loan servicer was Nelnet. In XX/XX/XXXX, my loans were transferred to XXXX because I am taking part in the PSLF program. The problem is that my credit reports under all three credit bureaus are still showing my loans and loan account under Nelnet as active. Because my loans and loan account with XXXX are now also showing up as active on my credit reports, this makes it look like I have twice as many student loans as I actually do. I disputed the Nelnet loan account with XXXX, and the result was that the servicer, Nelnet, reported the account status as correct. I called to dispute with the other two credit bureaus, and was told that the outcome would be the same as my dispute with XXXX. I also contacted Nelnet when I first noticed this a few months ago, and they advised me to wait a month. I contacted them again a few months later, and was told the same thing. I contacted them for the 3rd time regarding this issue at the beginning of XX/XX/XXXX, and they changed their tune : they said that Federal Student Aid needs to contact the credit bureaus to report that Nelnet no longer services my loans. I then contacted the Federal Student Aid Ombudsman mid XX/XX/XXXX, and opened a case. Last week, the results of the case came back : I was told to contact Nelnet and open up disputes with the credit bureaus, which I already did ( I even explicitly mentioned this when I first spoke with the Ombudsman office ). I called the Ombudsman office again on XX/XX/XXXX, and was told that the result of the case was correct, and theres nothing that Federal Student Aid can do. I then called Nelnet again on the same day, and was once again told to contact Federal Student Aid, even though I told them that I already did. Please help me resolve this so that my Nelnet account can be marked as closed with all three credit bureaus. I dont know what else to do.
Product: Debt collection

XXXX XXXX XXXX sent debt to XXXX XXXX XXXX. Will not provide original bill showing additional fees. All medical debts were/have been paid in full through XXXX XXXX XXXX No medical debts should be on my credit reports. I've already contacted doctors and hospitals that show all billing paid in full including the anesthesiologist. I do not owe {$230.00} for any services. I demand removal of this account from my Experian collections/credit report. This follows a complaint to the BBB as well. XXXX and XXXX have validated and removed accordingly.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I have a personal line of credit with Regions Bank. I had a late fee put on my account that was also reported to my credit. I never received a statement in the mail. They say they sent it, but I did not get it ( the US Postal service is not a 100 % guaranteed delivery service ). Also, I do all of my banking online. They are the only bank I have that still requires mailing service ( they wo n't even let me pay my bill online from another bank ). They also do not allow me to view my statement for this account online. Also, when I logged into my online account, my account showed a {$0.00} balance. The only way I was to know I had a bill due was to get the statement which I did not get. This bank is XXXX of the largest in the XXXX. There is no reason I should n't have access to statements online, for them to correct their system so when I have a balance due, it actually shows a balance due on my account. I called and emailed them and they pretty much said " not our proble. We mailed you a statement. '' It is their problem in the Internet age I can not have full access to my account. I have problems with the postal service because they confuse my address with another person and sometimes I do not get my mail which is why I do all of my banking online! They reported my late payment on a fee I was unaware of. They need to update their system and remove the XXXX late payment I have ever had posted on my credit report!