23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX WI XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX  Balance : {$240.00} XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX  XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$20.00} XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX - XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX  Balance : {$410.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$310.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX FIN Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX : XXXX XXXX, XXXX.
Product: Debt collection

Reviewed my credit report saw a collection & an account that I never opened. I contacted company to send original contract or agreement with signature and they were unable to verify.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing a copy of my consumer report, it has become evident that your company, as a consumer reporting agency, and the alleged " creditor '' have unlawfully provided my information without my written consent, as required by 15 USC 1681B of the FCRA. It is crucial to emphasize that I do not consent to the unauthorized furnishing of any of my information by any means, pursuant to my rights under the FCRA. 

Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as per the provisions of 15 USC 1692a ( 2 ) of the FDCPA, it is clear that the transmission of information regarding a debt, directly or indirectly, through any medium constitutes a " Communication. '' The term " any medium '' encompasses various forms of communication, including oral, written, electronic, and more. Thus, the furnishing of my consumer report, which contains information regarding the alleged debt, would fall under the definition of " Communication '' under the FDCPA. 
In accordance with my rights under 15 USC 1692c ( c ) of the FDCPA, I am hereby providing you with formal notice to immediately cease any further communication concerning this account. This includes, but is not limited to, telephone calls, emails, social media interactions, or any contact made through a Consumer Reporting Agency. 
Please be advised that any further contact or communication from your agent or company, except for a communication acknowledging receipt of this letter, will be considered a violation of the FDCPA. Please take this notice seriously, as I intend to enforce my rights under the law. 
By disregarding this cease-and-desist notice, you leave me with no choice but to initiate legal action against your company. Any ensuing legal action will seek the appropriate remedies and potential damages available under the FCRA and the FDCPA. 
I kindly request your prompt attention to this matter, and I trust that you will comply with this cease-and-desist notice without the need for further legal intervention. Please acknowledge receipt of this letter in writing to confirm your understanding and commitment to comply with the provided instructions.
Product: Credit reporting or other personal consumer reports

I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.
Product: Student loan

I attended XXXX university and they did not allow me to use my financial aid when I went. I was supposed to get a scholarship and do not think I got that. I also did not have an option for a payment plan. Instead, my bill was sent to collections and I cant get my transcript
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXXXXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony Bank XXXX XXXX XXXX ) changed their policy for sending bills in XXXX 2024. I previously received a paper statement in the mail and always paid the bill in full. I was forced to switch to paperless billing or incur an additional monthly fee for the paper statement. This was and remains the only credit card I have that has such a policy. The first paperless bill got lost in the almost one XXXX emails I receive on a daily basis, many of these are spam emails. When I discovered the unpaid bill, I immediately paid it with the current charges at the time. I spoke with customer service ( XXXX, ID # XXXX on XXXX2024 ) and was credited back both the late fee and interest charges as a courtesy. The current bill now shows additional interest and according to the representative for Synchrony Bank, the policy regarding interest also changed on XXXX XXXX 2024. As someone who never carries a balance and always pays every credit card in full, there would be no need for me to find this change in whatever document was supposedly sent. I just received an email today, XXXX XXXX, 2024 from Synchrony Bank, informing me of changes to the terms of the account and to log in to find out what the changes are. They seem to be changing terms at a rapid rate. According to my last bank statement : If you did not pay your balance in full in the prior billing cycle, interest will be calculated on your balance from the first day of the current billing cycle until we receive your payment in full, even if you pay your balance in full and on time and make no new charges in the current billing cycle. This interest, plus interest on that interest, will be reflected on your next billing statement. ( See attached copy ). Synchronys change in policy and paperless billing caused this error. I dont think it is right or fair to pay additional interest charges when I have paid the full balance and they even waived the fees and interest initially. They refuse to address this issue further and in a fair matter ( XX/XX/scrub>/2024 ). I have never encountered a similar situation with any other financial institution. Thank you for your attention to this matter. The New York State Department of Financial Services requested that I contact CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act US DEPT ED Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account XXXX XXXX, Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX,, has violated my rights. 
15 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.
Product: Vehicle loan or lease

My son and I went to a car dealership in XXXX XXXX  and wanted to purchase a vehicle. They claimed that Wells Fargo financed it, even though it was listed as in house financing, and our loan was denied several times thru Wells Fargo. I was told by the auto dealership that my loan was approved and pmts were to be paid to Wells Fargo. Wells Fargo accepted payments in the amount totaling XXXX and then repossessed when the car was almost paid off and returned it to the dealership. Then the dealership sells the car again and so on and so on. When I requested a contract, several times, to Wells Fargo they ignored my request and then made derogatory reports to credit bureaus. I was told by several others that, after the fact, both Wells Fargo and the jeep dealership in XXXX scam people and write fraudulent contacts, collect on loans that dont exist, and then make fraudulent reports to credit bureaus.
Product: Credit reporting or other personal consumer reports

i recently went over my credit report and i seen there was a account i did not apply for or authorize which violates my consumer rights under 15 USC 1861b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by a consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and want this off my report because it is negatively affecting my score inquires : XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX
Product: Mortgage

My house is in foreclosure with a sale date of XX/XX/XXXX. This is the second time the bank is doing this. The first time after receiving a letter from your office explaining that I was in the middle of Loan Modification, They relented and allowed me to finish my Loan Modification. I was approved as of  XX/XX/XXXX. Since XX/XX/XXXX I have been paying the monthly mortgage amount and receiving statements from them. They are claiming that I did not sign certain documents so they are foreclosing on my house. The following are my issues with them : 1. I received a letter that I was approved for the loan modification in XX/XX/XXXX 2. I have been paying every month since then 3. Although they said the sale at the first foreclosure sale was " rescinded '' my name was never put back on the property, I therefore could not get insurance for the house. 4. I did not sign the documents because I did not understand them. I was n't clear on getting my name back on the property and did n't understand what the " balloon payments '' are. 5. I called many times to get clarification and no one ever returned my calls. 6. I am in bankruptcy.
Product: Credit reporting or other personal consumer reports

Upon checking my personal TRANSUNION account, I realized that I have incorrect information in my credit report. The accounts are : # XXXX, # XXXX, # XXXX and # XXXX. There is a record of late payments and that is not correct. 

According to consumer protection, TRANSUNION is violating the following laws : 1. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

5. It should be noted that the dates on which the alleged late payments are being reported coincide with the date on which the covid-19 pandemic began, violating a very important law which is the ''The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( 2020 ) '' The dates on which the incorrect late payments appear are described in each account as follows : Account # XXXX, dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

Account # XXXX, date : XX/XX/year>. 

Account # XXXX, dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 

Account # XXXX, dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

TRANSUNION must respect consumer protection laws and assume its responsibility to take care of citizens and not take advantage of wanting to benefit from inaccurate information. 

This is not the first time I have tried to contact TRANSUNION and they have not shown any interest in resolving the errors they are making and are affecting my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently Capital One Credit Card services reported to XXXX that I have a XXXX day late payment with them which is completely false. I paid my bill in full with a money order before the due date, I never received mail from them that my payment was late. This is fraud to report to XXXX that my payment is XXXX days late, ask them to produce the money order payment, it never was returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information found on my consumer report that is a result of identity theft. I did not provide my written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer : XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX ). In the event the transactions are not blocked and deleted within 15 days of receiving this notice, I will seek litigation on the 3 credit reporting agencies listed in this report per the fine of {$20000.00} per day detailed in my XXXX Lien Notice regarding damages if the violation of my consumer rights continues. Affidavits have been sent via certified mail to all 3 credit reporting agencies listed in this complaint, and a FTC identity theft report has been filed as well ( Ref. # XXXX ). You are required to do what I am asking and block these transactions from being reported to my consumer report within 15 days from the date of the receipt of this notice. I look forward to your response. Thank you
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 XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX 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: Student loan

On XX/XX/year>, I submitted a formal letter to Nelnet requesting a review and correction of my consolidated student loan amount due to significant discrepancies. The letter outlined that, according to the U.S. Department of Education, National Student Loan Data System ( NSLDS ), my XXXX aggregate loan totals are as follows : Aggregate Subsidized Total : {$22000.00} Aggregate Unsubsidized Total : {$5800.00} Aggregate Combined Total : {$28000.00} However, Nelnet has consolidated my loans into a total amount of {$41000.00}, which exceeds my verified aggregate total by approximately {$13000.00}. This discrepancy suggests that the consolidation process included incorrect calculations of principal, interest, or fees that were not substantiated by my documented loan history. 

In my letter, I provided an itemized breakdown of my subsidized and unsubsidized loans by the university, along with disbursement dates that accurately total {$28000.00}. I also included the NSLDS documentation that reflects these aggregate totals and a corrected summary of the amounts that should have been considered in the consolidation. 

I formally requested : 1. A detailed explanation of how the {$41000.00} consolidation amount was determined, including any accrued interest, fees, or additional amounts applied that were not part of my original loan disbursements. 
2. A correction of the consolidated loan amount to reflect the accurate aggregate totals based on my documented loan disbursements. 
XXXX. A formal written response from Nelnet within XXXX XXXX, outlining their findings and any corrective actions taken. 

Despite these actions, I have not received a satisfactory response addressing the discrepancy or any corrective measures from Nelnet. I am seeking assistance to ensure that the company provides a clear and accurate accounting of my loan consolidation, as mandated by the Higher Education Act and federal regulations, and corrects any errors in the consolidation amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times collection accounts with XXXX XXXX and Equifax that I am longer liable for, these accounts have been bought therefore I am no longer liable. They refuse to remove them from my account.
Product: Debt collection

I visited XXXX XXXX XXXX XXXX ( XXXX 's Urgent Care of XXXX on XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, XXXX, for a XXXX XXXX test ; as part of the visit, a XXXX Face Time via phone took place from my car with the doctor on call. The provider billed XXXX XXXX XXXX {$200.00}, and that was paid by the insurance company, XXXX. A XXXX bill, to the clinic itself, was for an additional {$90.00} and has been " in process '' for the XXXX months since the visit. I have made many calls to both the urgent care and to XXXX, and have no luck getting this resolved. As a result, XXXX XXXX XXXX sent my account to Congress Collections, which now is on my credit reports as a " major derogatory. '' This despite my monthslong attempts to resolve this bogus claim. A XXXX test was not supposed to result in a bill and a credit hit. But I can not get this resolved. My latest call to XXXX was on XXXX XXXX, XXXX. Previously, in XXXX I talked with both XXXX and the XXXX XXXX. I have been unable to get this resolved through either entity.
Product: Credit card or prepaid card

So I have been a victim of identity theft with Oklahoma XXXX XXXX  and edd unemployment insurance I was XXXX XXXX XXXX XXXX during the time of the victimizer using my information to obtain multiple payments I have reached out to Bank of America and Oklahoma XXXX XXXX I have provided all required documents showing my XXXX  and other supporting evidence just to be denied I really need help retrieving all the money that was stolen from me during my XXXX I have been lied to and no resolution for my case has been provided except denials I dont know what else to do