23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a Collection on my account from a car loan company XXXX XXXX ( Previously XXXX ). They are not reporting their Information accurately. It is inconsistent On all XXXX of my reports which I have disputed all XXXX reports and each report is never Updated correctly Nor deleted since it is not 100 percent accurate per FCRA. I am now requesting since the Credit Reporting company wont delete the record, And the Credit Furnisher Wont report it accurately I am Requesting Help From the Bureau Of Consumer Financial Protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have notice fraudulent Account Name XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Deletion of XXXX XXXX XXXX XXXX Charge-Off and Request for Removal from All Credit Reports Dear Sir/Madam, I am writing to inform you of the recent deletion of a charge-off from my XXXX credit report related to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX The account, identified as " XXXX XXXX XXXX XXXX XXXX, '' had a reported balance of {$1000.00} and was listed as a charge-off. 

As of XX/XX/year>, after submitting a formal dispute, XXXX completed their investigation and deleted the account from my XXXX report. Please find the relevant details of the account : Account Name : XXXX XXXX XXXX XXXX Account Type : Charge-Off Amount : {$1000.00} Dispute Resolution Date : XX/XX/year> Outcome : Account Deleted According to the Fair Credit Reporting Act ( FCRA ), a consumer is entitled to accurate and verifiable information being reported on their credit report. Since XXXX has completed their investigation and determined that the information is unverifiable, they have deleted this account from my XXXX credit file. 

In light of the deletion from XXXX, I kindly request that all other credit reporting agencies, including but not limited to XXXX, XXXX, and TransUnion, conduct a thorough review of this account. If these agencies can not verify this debt, I am requesting that they remove the account from my credit reports as well. The FCRA mandates that credit reporting agencies must ensure that any information they report is accurate, and if they can not verify the information, it must be deleted. 

Legal Basis for Removal : Fair Credit Reporting Act ( FCRA ) Section 1681i : This section states that if any information is found to be inaccurate or unverifiable during a dispute process, it must be removed or corrected. Given that XXXX  has deleted the account, the other CRAs are obligated to ensure their reports reflect accurate and verified information.

Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ) : Requires that credit reporting agencies maintain procedures to ensure the accuracy of the information reported. 

Please take notice that I am requesting the removal of this unverifiable account within 30 days or less. If the account is not removed in the specified timeframe, I reserve the right to pursue legal action, including suing for violation of my rights under the FCRA. I understand that under FCRA Section 1681n, I may be entitled to seek damages if my rights have been violated, including statutory damages and attorney fees. 

I look forward to your prompt resolution of this matter and expect that the unverifiable account will be removed within the legally required timeframe.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 U.S. Code 1681o Civil Liability for Negligence To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, your organization may be held civilly liable for negligent noncompliance with the law, which has caused harm to my financial standing.

Upon reviewing my credit report, I identified the following inaccurate and/or unverifiable information : XXXX XXXX XXXX Account with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 
XXXXXXXX XXXX XXXX  Open Account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
Collection account from XXXX XXXX XXXX with account # XXXX  and a balance of {$4800.00}. 
The original creditor is XXXX 2 DAY. 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 
This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$7400.00}. The original creditor is XXXX XXXX XXXX XXXX XXXXXXXX. 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete I have attached supporting documentation to verify my claim. Under the FCRA, you are required to conduct a reasonable investigation and correct or delete any information that can not be verified. Failure to do so within the legally mandated timeframe ( 30 days ) constitutes negligence and XXXX result in legal action. 

To resolve this matter, I demand the following actions be taken immediately : XXXX. XXXX a proper investigation of the disputed information. 
XXXX. Delete or correct any information that can not be substantiated. 
XXXX. Provide me with a written confirmation of the resolution. 

Failure to comply with these obligations under the FCRA will leave me no choice but to pursue legal action for civil damages, including any actual damages sustained due to your negligence. 

Please respond in writing within 30 days of receiving this letter. I expect full compliance with federal law and appreciate your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I opened a loan that I was not able to pay. 

This loan was then sold to XXXX, XXXX XXXX XXXX, XXXX who have threatened to sue me on multiple occasions with letters ( I no longer have ) unless I pay the debt. 

The only way to pay the debt is by leaving my payment information but they will not show the total I owe. I have tried on many occasions to email and call them as well as arrange callbacks. This law firm has refused to answer any of my communications of me attempting to settle the debt. 

This law firm leaves reviews for themselves on XXXX from personal employees saying how great they are while also include their extension numbers in which you will never get ahold of. This is extremely predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I did not authorize the following inquiries : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/21 I took my daughter out looking cars at various dealership. The dealership XXXX XXXX XXXXXXXX ran my credit without my permission XXXX. All of inquiries where hard credit pulls. Stated to her once that my daughter had no down payment money and she was in college and we were just looking at our options. I have over 10 hard inquiries on my credit now and my score has dropped. I feel lied to and mistreated. These actions were unfair and improper business handling. I left ther under the impression that my credit wasn't pulled and that we would come back when we made a decision.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute Regarding Incomplete Documentation from Spring Oak Capital LLC Dear CFPB, I am writing to formally dispute the validity of documents provided to me by Spring Oak Capital LLC concerning the debt associated with account number XXXX. I had previously requested a bill of sale and a chain of assignment that clearly identify my name and account number ; however, the documents submitted lack this essential information. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, consumers have the right to request validation of a debt, which includes accurate documentation that links the consumer to the debt being collected. The absence of both my name and account number on the provided documents suggests that they are insufficient for verifying the legitimacy of the claim against me. 

Additionally, I have been informed that this account was charged off by the original creditor, XXXX XXXX XXXX. This charge-off indicates that the debt is no longer collectible, as recognized under internal revenue service guidelines, particularly regarding the issuance of Form 1099-C. Under the Internal Revenue Code, when a debt is charged off, the creditor typically reports this to the IRS, and consumers are entitled to receive Form 1099-C for tax purposes. In light of these circumstances, I request that Spring Oak Capital LLC provide the following documentation : 1. A complete bill of sale and chain of assignment that includes my name and account number for validation.

2. A copy of Form 1099-C reflecting the charge-off of this debt. Furthermore, the failure of Spring Oak Capital LLC to provide adequate validation of this debt and the absence of my name and account number on their documents may constitute a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which obligates furnishers of information to investigate consumer disputes and verify the accuracy of information reported. I appreciate your prompt attention to this matter and the investigation into the practices of Spring Oak Capital LLC regarding this debt. 

Thank you for your assistance. Sincerely, XXXX XXXX
Product: Student loan

Since the Navient settlement has been announced I have called to get information because I should qualify. I have a predatory Tuition Answer Loan that I have struggled for years to pay. I asked them if I would be apart of the cancellation settlement and they said they dont know. I asked so I still need to make payments since I am currently sick with XXXX and they said yes Ive used my XXXX  time. This is exactly how they have treated me and others over the years and Im sick of them. I need them to ensure my loans are a part of this cancellation Ive not been able to buy a home or get married because of these loans holding me back & now Im sick and cant pay and they dont want to help and they dont care. They just want to steal your money even knowing these loans were predatory. Please help.
Product: Bank account or service

On XXXX/XXXX/2016 I sent a payment of {$85.00} using CapitalOne 's Peer2Peer payment system to XXXXXXXXXXXX. This system uses XXXX, a third party. The intended recipient reported that they never received the funds nor any notification. Upon opening a case with my bank they reported that the funds were deposited into a XXXX XXXX XXXX account however they have refused to provide me with the name of the person nor with the account number for me to know who received the money. My bank has also failed to refund me my money basically telling me that it is lost and unrecoverable in any way. Now myself and my intended recipient are out the original {$85.00} and I have to send another {$85.00}
Product: Checking or savings account

On Saturday XX/XX/XXXX my Wells Fargo debit card was hacked. I called phone banker. He wouldn't close it, assuring me their system would decline any suspicious charges made with it. Sunday XX/XX/XXXX, XXXX XXXX CDLS time I got email from WF that a charge on my debit card was denied. I immediately called phone banker. We both opened my account. XXXX fraudulent charges went through bringing my account down from {$5400.00} to {$80.00}. I filed fraud claim # XXXX & personnel claim against banker who wouldn't close my debit card, claim # XXXX. The fraud claims specialists paid my account back {$350.00} on XX/XX/XXXX closed the case & then reversed those those credits by about {$150.00}. Claim was reopened. # XXXX. The findings for the banker claim said basically " sorry for the inconvenience, but we are doing nothing about it '' & closed that claim. The resolution on the 2nd fraud claims case will be made Friday XX/XX/XXXX. I highly doubt I will get much if anymore money back. All along I've been told '' don't worry, you'll get your money back, but they've done almost nothing so far. Please make them restore my fraudulent losses.
Product: Credit card or prepaid card

This company  XXXX /Comenity keep charging me late fee on account  XXXX . I feel it has been pay off already. My purchase was amount of {$110.00} and up to date since  XX/XX/XXXX  I pay {$160.00}. The amount {$150.00} on this account is all late fee charges. Late fee that my daughter has contact them threw  XXXX  in  XX/XX/XXXX ,  XX/XX/XXXX  and now XX/XX/XXXX and threw the phone to take this balance off since I was diagnose  XXXX . I have been hospitalize since  XX/XX/XXXX  several times. I 've been living with my daughter so I really did n't even know about this bill till my daughter found everything. They told my daughter online to contact them on phone to fix this issue but when she call they deny to speak to her because her name is n't on the account. I spoke to them today  XX/XX/XXXX  to allow me to speak to them. They told me that  XXXX  is n't a valid to dispute the balance due. So we told them to close the account and they ask me if I wanted the account close and I said yes close my account today. But I also see even closing the account the continue charging my late fee.
Product: Credit card or prepaid card

I have XXXX chase cards that have numerous fraudulent charges Due to these charges my accounts were closed and late fees have piled ontop of fraudulent charges after my wallet was stolen Chase has refused to take proper action and this is hurting my credit I have attached proof of my ID being stolen
Product: Debt collection

The original amount of the debt was {$400.00}, the loan was from cash in a flash, now it was turned over to Financial recoveries Inc. and the debt amount has now increased to {$6700.00} and keeps getting higher by the week. It was turned into collections on XX/XX/2018. The inflated amount is totally insane.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX, Transunion for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and I seek resolution.
Product: Debt collection

I PAID THIS DEBT IN FULL WHEN I SWITCHED CARRIERS! Every few months XXXX sends it to collections over an error on their part. I do not owe this amount, nor am I going to pay it. Furthermore, this new collection agency they sent after me is illegally harassing me. They have called multiple times between the hours of XXXX - XXXX, they have refused to identify themselves without me giving them personal info which I will not do. Because they refuse to identify themselves, they have also not sent a written validation notice.
Product: Credit reporting or other personal consumer reports

BRCYLSBANKDE ( Bank ) XX/XX/year> is a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenged some information on my credit report, which the creditor is listing as a charge off. I have documents that prove I paid off the account in full, and when I filed a dispute, the creditor not only kept the erroneous information on my record, but that information resulted in a drop in my credit score. I had a credit score of XXXX ; it is now XXXX after the dispute was filed, so I am also alleging retaliation for the dispute by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX BANK 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 XXXX 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: Debt collection

I disputed the account as unknown. It was charged off and closed. In 2019 it was sold and disputed again. Now it is in collections and reporting against my credit.
Product: Debt or credit management

I hired Lexington law to repair my credit but they did nothing and charged me a monthly fee for over 6 months.
Product: Credit reporting or other personal consumer reports

I have a a lot of credit hard inquiries from XXXX  and its within short period of times. Looking to remove all off XXXX  hard inquiries on my report. They have not and will not accept me. Its effecting my credit score significantly
Product: Credit reporting or other personal consumer reports

ACCOUNTS XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX INQUIRIES XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> I have identified several inaccuracies on my credit report related to collection accounts, which I believe are the result of identity theft. Despite numerous efforts to resolve these issues with the credit bureaus, the errors remain uncorrected. This erroneous information is adversely affecting my credit rating and financial stability. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information stemming from identity theft removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in direct violation of FCRA Section 6802 ( a ). A financial institution may not, directly or through any affiliate disclose to a non affiliated third party any non personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative information without notification and consent of the consumer. XXXX XXXX failed to inform Principal that it would be reporting Principals nonpublic personal information to a third party and failed to get Principals Permissable Purpose - 15 U.S.C.1681 ( a ) ( 2 ). Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. 
XXXX is illegally reporting this tradeline regarding transactions and experiences vioting principals rights under the FCRA and could be held for Fair Debt Collection Practices Act as well. I demand thus account be removed immediately.
Product: Student loan

I attended XXXX XXXX, I didnt had high school and for years I been telling them that the school did fraud and they havent help me how to get my loans removed I received my high school diploma XXXX and I also send them in the mail copy and they always stated they never received no application and for years I been trying as the only thing is been happening they been adding more interest to the loan and is been years that they been harassing me to pay and adding more to the loan.
Product: Debt collection

Received a noticed that I had a collection on my account on the XXXX of XX/XX/year>. I have been receiving calls with no one speaking to robocalls from various numbers for past couple of months, I attempted to call XXXX the XXXX XXXX, multiple times just to be hung up on or call transferred after asking to speak to someone. I had no idea or contact regarding this bill. no communication or contact prior to being listed as a collection. I have requested proof of debt and have not received to home address or email I provided upon contacting someone the XXXX of XX/XX/year> named XXXX. I have tried since up till the XXXX of XXXX to receive proof. numbers I have received calls from XXXX or UNKNOWN CALLER. since XX/XX/year>. XXXX call from a XXXX XXXX robocall. Reported to FCC as I asked to no longer be contacted by phone, and done though mail. random times thoughout day. would pickup and they hung up. numbers I called : XXXX ( XXXX ) XXXX, and XXXX listed on website. horrible communication, and still no proof via mail sent. I want this removed ASAP. TRANSWORLD SYSTEMS
Product: Checking or savings account

Citi bank on date XXXX XXXX XXXX Closed my checking and savings account and in my checking account was {$800.00}. I went in person to the branch to try to withdraw my remaining funds and they have denied access So now I am left with no choice to file a complaint they will not let me withdraw my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity theft issues for the last several years. A while back I was notified that important information was exposed in the XXXX data breach. I didnt notice anything strange until a few years later when I received another notification about a huge data breach with XXXX. After these events I noticed random inquiries that I supposedly applied for credit with, but this was not me. So I started looking into it and I ordered my credit report. Once I got my report I was able to detect fraudulent information reporting on my credit file. This was definitely fraud.