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

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX, and 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

I have been a Continental Finance XXXX  Credit Cardholder since XX/XX/XXXX. I applied for this low limit card ( {$500.00} ) because they advertised that using their card I would increase my credit. I used their card responsibly and during that time, I have never paid late or underpaid my card. I overpaid the card XXXX dollars in XX/XX/XXXX, and between XX/XX/XXXX and XX/XX/XXXX, I did not use the credit card. Still, on XX/XX/XXXX, I received an alert from XXXX XXXX that there was a derogatory mark on my credit history. 

I have not received any statements, e-mail, or phone calls from them. After I received the derogatory credit mark on my profile, I checked all statements online. I saw that in XX/XX/XXXX, the account XXXX dollars overpaid. Still, inexplicably without using the card in XXXX, I owed XXXX dollars and XXXX cents ( {$10.00} ), and Continental Finance reported me being 30 days past due for thirty-five dollars ( {$35.00} XXXX. 

Continental Finance had the number of a bank account that I wasn't using, and it was not funded for months, they were attempting to withdraw the funds from that account without sending me statements. I asked them to remove the derogatory mark of my credit and still no response. 

They also claimed that I was enrolled in autopay but the account they were attempting to withdraw the funds was not being used and not funded for several months, they blamed me claiming that I did not remove the account from their profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries are on my credit report with out my knowledge and TransUnion refused to investigate the inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

Payment History Youve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 60-89 Days Late Worst Payment Status 60-89 Days Late Account Details Account status Closed Type Auto Loan Responsibility Joint Remarks ClosedYouve made 98 % of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX I was never late, I skipped payments with KIA/Hyundai approval . They reported XX/XX/XXXX and XX/XX/XXXX after I paid off my car in XX/XX/XXXX KIA FINANCE AMERICA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

original complaint # XXXX I went through the process of filing a complaint against this company through your office and they responded that it had been closed due to verification of receipt of payment at original service date. Now I am getting another notice for the same item
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



Re : Dispute of XXXX Account XXXX XXXXXXXX Dear XXXX, I am writing to dispute the collection account referenced above. I believe that this collection account has been placed on my consumer report in violation of several federal regulations, and I request that you immediately remove it from my credit report. 

Violation of XXXX CFR XXXX ( b ) ( XXXX ) : Your agency has failed to provide the required validation information for this debt. According to XXXX CFR XXXX ( b ) ( XXXX ), you are required to furnish detailed validation information before reporting this debt to any consumer reporting agency. 

Violation of XXXX CFR XXXX ( c ) ( XXXX ) ( i ) : I have not been given an opportunity to dispute this account. Under XXXX CFR XXXX ( c ) ( XXXX ) ( i ), consumers must be given a reasonable period to dispute the validity of a debt before it is reported to consumer reporting agencies. 

False and Misleading Representations : Your agency is in violation of consumer rights by using false, misleading, and deceptive means to collect this debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of XXXX XXXX XXXX ( d ) and 15 USC 1681s-2 ( a ) ( XXXX ) ( A ) : Your agency has no authority to furnish information about this account to any consumer reporting agency without providing all the required disclosures. By failing to do so, you are in clear violation of XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). 

In light of these violations, I demand that you immediately : Remove this collection account from my consumer report. 
Cease all collection activities related to this account. 
Provide me with written confirmation that this account has been removed from my consumer report. 
Please treat this letter as a formal dispute of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Failure to comply with these requests will result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal action. 

I appreciate your prompt attention to this matter and expect a response within 30 days. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

We Paid in full a lease on a car to GM Financial Leasing in XX/XX/XXXX. We constantly keep receiving bills as well as phone calls for taxes due on the vehicle from XX/XX/XXXXto XX/XX/XXXXat which time we no longer have the car. We have given them all documentation as requested and still nothing resolved for months. It is affecting our credit.
Product: Debt collection

the attorney general has this and is submitting it to the nelnet party to try to resolve they suggested you may be interested, the owning company nelnet took XXXX out of my social security check, i knew nothing about it, al lof a sudden i could not pay rent. i get XXXXsocial security iamXXXX years old, XXXX of that is for rent. so after rent is paid i have XXXXleft for the entire month since that took place i dont even have that now.everything has to go to pay rent to make up for the XXXX loss. i want that money returned so i can give it to landlord. this happened on XX/XX/2019 it concerns a student loan fromXX/XX/XXXX, a  company called XXXX  XXXX XXXX  called me a year or so ago and worked it out so loan would be forgiven o rso they told me however nelnet still has that loan on there books about XXXX i went to school at XXXX college in XXXX wa to try and learn XXXX XXXX so i could get a good job, however i could not pass XXXX  so i was not allowed to continue. so i only went 1 semester.i learned later that due to my age and some XXXX factors i would not get hired had i completed the course.i think XXXX college should have refused me in the beginning, as they knew my situation. i still would like to pursue that education as that is a hot topic in the coming years, buti guess i cant. XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 wire transfer Fraud amount of {$37000.00} was canceled by me due to XXXX XXXX scam, but Bank of America was unable to cancel the wire transfer. I contacted the fraud department and spend 2 hours explaining my scam on the phone to Bank of America Scam department. on XX/XX/XXXX XXXX, I received an email from Bank of America fraud department to sign and return the enclosed Scam Victim Acknowledgment to help me recover my fund. Bank of America fraud department created a claim # XXXX. The scammer account was in XXXX XXXX XXXX XXXX, so I traveled to XXXX and I went to XXXX XXXX XXXX XXXX, and met with Branch Manager XXXX XXXX XXXX ph # XXXX ( XXXX ) XXXX XXXX XXXX and mobile # XXXX ( XXXX ) XXXX XXXX XXXX, Email " XXXX, according to the Branch manager , XXXX XXXX XXXX XXXX  sent communication in regard to this scam to Bank of America and I need to check with Bank of America the status of the wire transfer scam. I contacted Bank of America to figure out the status, I was told by Bank of America representative that there is a new case # for my fraud which is " XXXX has been assigned to this case and I should call this PH # XXXX Option 2, 2, 2 and give them the new case # to find the status of the wire transfer fraud. I contacted Bank of America and they were unable to get in touch with Fraud department and kept getting the run around, check with other department. Finally XXXX XXXX Bank of America " Financial Center Manager '' told me that she sent the following message to help resolve the case : Text Message : Client was a victim of scam. requesting return of wire. client traveled to XXXX and met with branch manager of XXXX XXXX XXXX XXXX XXXX . Recipient is not legitimately entitled to these funds. Confirmed fraud with a claim in progress through Bank of America. Claim # XXXX & XXXX. 

So far Bank of America is keep giving me the run around and most of the time they don't answer the phone and they are not able to retrieve the case itself. in conclusion, Bank of America Fraud Department has the worst communication and every department push you to other department and no one try to help old people getting scammed on line. Bank of America refuses to answer their phone numbers provided on the client debit and credit card and pushes clients to use online services and they help scammers abuse online services and ruin people life.
Product: Credit reporting

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had medical bills that were originally disputed to the provider and as a result they turned them over to collection. I was notified by the " collection agencies '' of the accounts and promptly disputed within the FCRA guidelines. I was notified that these accounts, shortly thereafter were reporting on my credit reports at the three ( 3 ) credit bureaus.I explained in my disputes that they were reported due to unauthorized services during a hospital stay and services that were bordering on malpractice i explained that I had discussed this already with the providers directly. .Additionally noted that the " collection agencies '' did not comply within FCRA guidelines and respond to my disputes but merely put the accounts on my credit reports within days of their letters.

XXXX and Experian both removed the accounts from my reports. 
XXXX refuses to do so and after several disputes filed and phone calls they say that I should of contacted them and not the " collection agencies :. This makes absolutely no sense as how can I dispute something that is not on my report, makes NO SENSE. 
They continue to refuse to listen to reason.
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 has violated my rights. Or a 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

The original lender COASTAL ACCEPTANCE CORPORATION is reporting my account with an incorrect charged off balance of {$5900.00} and closed. This information is not 100 % accurate. The lender agreed in writing to a settlement amount of {$2500.00} after the debt was sold to remedy a portion of the balance. Additionally, the lender is reporting the monthly payments as late and the account has been closed and discharged. This does the greatest amount of damage to my credit report and credit rating.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date. 
Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

I paid XXXX XXXX {$1700.00} to settle the debt collection of {$2900.00} on the date of XX/XX/year>. XXXX XXXX XXXX is the parterning company listed in my credit reports for this SpeedyCash debt.
Product: Debt collection

On XX/XX/XXXX, the I received a letter dated XX/XX/XXXX from XXXX XXXX attorney, stating I have an outstanding balance due on a account from XXXX XXXX XXXX. 

I later received a letter from the same attorney stating that a notice had been filed of Substitution of Counsel dated XX/XX/XXXX, and received XX/XX/XXXX. This is the first notification the had received of a court case ever being filed on myself. 

Upon visiting the XXXX XXXX courthouse on XX/XX/XXXX and obtaining copies of the case, an examination of the records filed in court by the Plaintiff reveal that I was never properly served. 

The service addresses used were was at the location of XXXX XXXX XXXX XXXX XXXX XXXX, Indiana ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. I have never resided at that addresses. 

My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX I had no prior knowledge of a court case having been filed against myself. 

I found out that a default judgement was entered against me on XX/XX/XXXX since I didn't show for the court date, ( again since I had received notification of the court date. ) After examining the records at the court house I filed for a motion to Vacate Judgement and the hearing was XX/XX/XXXX. The hearing has been continued until XX/XX/XXXX since there was only an affidavit filed and a generic agreement filed with nothing to identify me as the Defendant. 

I contacted XXXX XXXX to verify this debt with me well over a year ago since they were listed on my credit report. To date I have never received any verification of the debt. I had only learned that XXXX XXXX XXXX was the original lender by means of the letter they sent to me dated XX/XX/XXXX. 

It seems that XXXX XXXX has violated the agreement they signed on XX/XX/XXXX with the Consumer Financial Protection Bureau regarding the use off Affidavits and obtaining default or summary judgments without the required paperwork with regards to verification of the debt. 

I am not sure what to do as my next court date is a couple of months away and I do not know if the judgement will be vacated. 

How should I proceed with this?
Product: Checking or savings account

Hi it's XXXX XXXX XXXX XXXX XXXX owner operator Chase Bank the problem is pretty much what you questioned me about within the intake I am not able to handle or manage the account wuthin the fact that the representative are not following or processing or making correct decisions based on the checking account policy and regulations I'm filing claims on every transaction I make I don't have access to all my accounts I have to call to access or switch to link clean it card from one check account to the next and ACH transactions procedures or agreement is not followed ... my investment account is on hold by one of the representative which happened in the past when I was in XXXX XXXX..ok my primary office is in XXXX California where I do mist of my primary broker work broker # non-disclosed XXXX XXXX XXXX XXXX XXXX