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

I've Sent 4 Letters, stating there are inaccuracies in my report, 3 to the Credit bureaus, and 1 to the creditor. 

Dates XXXX XX/XX/XXXX XXXX XX/XX/XXXX They have never sent me any of the required information and have broken the law the credit bureau have been facilitating this fraudulent behavior which is breaking the law. here 's what I've asked of them and nothing. they have willingly broken the law. 


- The full account number is not listed on my credit report and as from the FTC statement is also breaking FCRA laws as this is not needed for " privacy '' The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be deleted immediately. 

Metro 2 compliance being broken. 

incorrect account status showing, charge off / collection which can not be stated on this account it's reporting incorrect and inaccurately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information reported on my credit report by XXXX, Equifax XXXX XXXX concerning XXXX BANK Account # : XXXX. The information in question pertains to a charge-off that has been included on my credit report without legal basis. Despite the presence of this charge-off on my credit report, I have not received a 1099-C form for the associated debt after making multiple attempts. The absence of such documentation raises concerns about the legality of the reported charge-off. The inclusion of this inaccurate information on my credit report is damaging to my financial standing and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( e ) ( b ), which mandates that information reported to credit bureaus must be 100 % accurate. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to ensure the accuracy of my credit report. Specifically, I request the immediate removal of the inaccurate charge-off from my credit report and any necessary corrections to prevent future inaccuracies with this account. Please acknowledge receipt of this complaint and provide me with updates on the progress of the investigation. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

To Whom It May Concern, I am submitting this formal request to void the loan contract issued by Superior Auto , Inc. ( Indiana Entity # XXXX ) on the grounds of violations of federal law ( 15 U.S.C. 1605 ( a ) ) and noncompliance with Ohio state licensing requirements.

Violations of 15 U.S.C. 1605 ( a ) ( Truth in Lending Act - Finance Charge Disclosures ) Superior Auto , Inc. has failed to properly disclose finance charges as required under 15 U.S.C. 1605 ( a ), which mandates accurate itemization of the total cost of credit, including interest rates, fees, and additional costs imposed on the borrower. The failure to comply with these federal requirements constitutes a violation of the Truth in Lending Act ( TILA ) and renders the loan contract legally unenforceable. 

Licensing Noncompliance in Ohio Additionally, Superior Auto , Inc., an Indiana-based business ( Entity # XXXX ), has engaged in lending and financial transactions without proper licensing to operate in the state of Ohio, where the contract was executed. Under Ohio Revised Code ( ORC ) Chapter 1321, any entity offering auto loans must hold a valid lenders license in the state. Their failure to maintain the required licensing raises serious compliance issues and further invalidates the contract. 
I am formally requesting the immediate removal of the XXXX placed on the vehicle under the purchase agreement for XXXX XXXX by Superior Auto , Inc., located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. This demand is based on violations of As a bona fide purchaser, XXXX XXXX obtained the vehicle without proper disclosure of XXXX status also violating the principles of UCC Article 9, which governs secured transactions. Due to these violations, the lien is unenforceable and must be immediately removed from the vehicles title. 

Formally disputing the charge-off reported by Superior Auto XXXX Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX regarding contract loan number XXXX for my client, XXXX XXXX. This dispute is made in accordance with 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer credit information. 

Superior Auto , Inc. has reported negative items on my clients credit report, which we believe to be unlawful and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have different names SS numbers, emails addresses, different telephone numbers. Stating to loans companies I apply for says that's what on my credit report. Call Experian to correct these issues 2months ago haven't done so They have my credit report mess up. I would like to file a compensation claim against them. How do I go about doing it
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Certified Bureau of the south on XX/XX/XXXX regarding two accounts showing on my credit report. They were previously disputed and was told both were verified yet XXXX couldnt tell me how they were verified because I was able to provide proof of payment dated XX/XX/XXXX. XXXX has supposedly escalated the issue. 
In my call with XXXX I was told that I didnt owe anything with Certified Bureau of the South and they werent reporting anything. I asked to speak to someone who could look into the issue further and XXXX disconnected the call. I called back several times and no one answered the phone. On XX/XX/XXXX, I had to block my number to get someone to answer my call. I was then told again by XXXX that I didnt owe anything and she had record of my payment from XX/XX/XXXX. When I asked for someone to help with the reporting I was then put on the phone with XXXX who also assured me I didnt owe anything. When I pressured them about my credit report XXXX suddenly found two open accounts that arent linked to my Social security number I explained that the payment was made for them in XX/XX/XXXX. She had record of my payment but wasnt sure why these were still showing up. I again asked to speak to someone who could correct the matter and XXXX then said she would have to have someone call me back. 
I have not been contacted and they no longer answer the phone when I call. I have proof of payment from Chase bank made in XX/XX/XXXX.
Product: Student loan

The Problem is with the Department of Education and the poorly ran Public Loan Forgiveness program. The Waiver states " all payments, partial, late, zero and wrong plan '' now count. However, if the status state XXXX on the student aid site any payments made during that time does not count. 

People can consolidate new loans with old loans and be forgiven. Yet, forbearance periods can not count? 

Forbearance periods needs to be added to the waiver. Borrowers were always steered into Forbearance. Forbearance periods from XXXX needs to count as payment if the borrower certifies 120 months of employment. 

The language on the waiver is confusing and Fed Loan is not applying the language correctly. Every phone call results in different information.
Product: Credit card

I'm using American Express Travel Platinum Credit Card for past 6 months. I was charged annual fee of XXXX XXXX. Amex cards are hardly accepted in XXXX. While applying, i was informed it is accepted everywhere. Few top brands had board in their payment section that Amex cards acceptable but they aren't accepting amex cards because they charge more compared to other credit cards. Some websites either don't accept or charge extra for using amex card. For international payments, charges are 5 to 7 times higher than the other credit cards. No mention was there about charges on international payments at the payment site. Charges were hidden in exchange rate and it was never disclosed with the user. Even after paying huge annual fee, we won't get access to lounges in international terminal of XXXX XXXX. I never recommend amex card to XXXX.
Product: Mortgage

I have my home in 2003 and I 'm still paying for PMI on my mortgage. I thought that this insurance will drop after 10 years I was told. My loan has been sold couple of times. My Also I 'm experiencing problems with my escrow balance. I need assistance with this Mortgage Company. They ca n't explain to me when I ask then where did my money go if I send a check for my shortage on escrow. I paid in advance and they still inform me I 'm short but I paid the balance in full. My concerns are PMI and Escrow.
Product: Credit reporting or other personal consumer reports

These accounts was charged off on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history.a charge off account should include an active payment history. Inaccurate information falsely manipulate the statute of limitations. Credit bureau failed to investigate these accounts properly and there neglect has violated more than one rights listed below. 
15 us code 1601,15usc1681e ( b ), FCRA section 605 ( c ) ,15usc1681i,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX  account : Rise XXXX  XXXX  Account # XXXX Balance Credit Account # XXXX XXXX  card Account # XXXX USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.Due to Hurricane XXXX and my payments are scheduled on an auto pay as well.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX : # XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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: Checking or savings account

I need help to solve this problem that affects me with CHASE BANK itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with CHASE BANK I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. 

XXXX NUMBER : # XXXX ACCOUNT NUMBER : # XXXX ACCOUNT NUMBER : # XXXX
Product: Checking or savings account

In 2018 I opened a business bank account with Wells Fargo as well as set up a merchant account with them. There was {$20000.00} in my account when the merchant provider informed me of a charge back of {$2500.00}. They said they would have to hold my funds for 90 days to ensure there were no more charge backs to pay out and then they would release the funds. I have yet to receive any of my funds back from Wells Fargo. After numerous attempts and not being able to speak with someone, I moved on as a victim of Wells Fargo and their merchant provider.
Product: Debt collection

Client Services INC fax notice on XX/XX/2019 wrong person associated with my phone number requested future contact to only be in writting recievec phone calls on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The company has noted stopped trying to contact me on my cell phone.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX cellular bill to XXXX with the agreement that it would not be sent to collections or reported on my credit report as a collection/chargeoff.
Product: Student loan

In XX/XX/XXXX, I submitted the online form for my IDR repayment. I was told that I would need to submit a paper form this year. On XX/XX/XXXX I submitted all the required paperwork to continue on an IDR plan. On XX/XX/XXXX, I received notice that FedLoan required additional paperwork in the form of a XXXX form. I faxed the XXXX form on XX/XX/XXXX. I did not receive any additional notifications form FedLoan. On XX/XX/XXXX I received notification from FedLoan that my payment for XX/XX/XXXX would be {$900.00}. On the IDR plan, my payments have been {$260.00}. I have been dealing with FedLoan Servicing 's incompetence and illegal behavior for 4 years. Each time I deal with them I am told incorrect information, am lied to, and have money stolen from me. The attached files are only a fraction of the countless letters I have sent in to FedLoan Servicing and make no mention of the hours I have spent trying to correct their wrongs. I also lost hundreds of dollars when I was forced to pay off my XXXX Grant only to have it reinstated many months later and was not paid interest or the full amount that was paid to them.
Product: Student loan

Withholding basic payment disbursement information On XX/XX/2019, I requested an amortization schedule for all remaining payments on my private student loan through Nelnet to confirm the payoff date as well as accumulated interest on the loan at time of completion. I first received a response from XXXX XXXX on XX/XX/XXXX, explaining how my payments are applied to each sub group within my loan. I advised them that I already knew how they are supposed to be applied ; I need an amortization schedule showing how they actually are applied. On XX/XX/XXXX, I received another response from XXXX XXXX that my payments can be viewed on the website. I told them that the amortization schedule is not available and I have asked multiple times now for this schedule, but have been ignored. A lender should not be withholding an amortization schedule from a customer. Yesterday, XX/XX/XXXX, I received this response from XXXX XXXX : " Since your interest accrues at a daily rate based on your principal and interest rate, we are unable to provide you with an amortization schedule. Please refer to your repayment schedule for detailed information regarding your repayment term. '' The above is simply untrue as it pertains to the ability to provide an amortization schedule for payments. All student loans accrue at a daily rate, and XXXX XXXX, my other student loan provider, sent me an amortization schedule based on my current auto pay with them within 24 hours. I am extremely concerned that Nelnet is intentionally withholding information because they are not applying payments correctly, and the responses received over the past three days, in which every time I have demanded the amortization schedule, are incredibly worrisome, as they are unwilling to provide the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from analleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Navy Federal Credit Union did an unauthorized transfer payment from my checking account with them to my installment account that I have with them also in the amount of roughly XXXX. The installment account was not 30 days past due. And I did not authorized any type of transfer to be make from my checking account. The bank processing this unauthorized transfer resulted in me having to pay returned check fees and other fees due to me writing a check expecting those funds to be in the account. But they were not because Navy Federal Credit Union processed that unauthorized payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Date : XX/XX/2022, Amount of {$36000.00}, Creditor : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/2022, Amount of {$19000.00}, Creditor : 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.
Product: Credit card or prepaid card

XXXX Claim number. 

I requested my card be closed. I have not received any information on if the dispute is taken care of. I did receive a letter from Commenity Bank with charges of XXXX late charge and interest charges. Now the total bill is XXXX. They also added all the Credit Bureaus at the bottom. This I take is a threat. Is this really a bank??? I have never delt with any banks like this. I finally read all their reviews and they are the worst company How can I get thru and talk to someone that can handle this? I have talked to them so many times after a wait of 1 hr or more. I ask for a supervisor they put on someone that knows NOTHING!! How can I deal with people like this? Should I get an attorney? Please advise! 








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

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX .... & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MTG XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX