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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXXXXXX XXXX XXXX XXXX {$8500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$8500.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX  - XXXX {$570.00} XXXX XXXX - XXXX {$570.00} ACCT XXXX XXXX - XXXX {$800.00} XXXXXXXX XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX - XXXX {$560.00} XXXX XXXX XXXX XXXXXXXX {$370.00} XXXX XXXX XXXX XXXXXXXX {$240.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw inaccurate accounts appear on my credit report today, and I have no idea whats going on. I check my report often, but suddenly there were mistakes that made no sense. I refreshed the page, thinking maybe it was a glitch, but the wrong information was still there. Because of this, Im asking that the documents Ive provided are carefully reviewed, so I wont have to deal with this ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a phone call from First investors stating I was 60 days past due on my car loan, however this was not true. I made a payment of {$2500.00} in XXXX, however first investor charged the {$2500.00} twice, so my financial institution removed {$2500.00}, which left {$2500.00} posted to the account. I explained to the representative from First Investors and they determined it was an error on their end. On XX/XX/XXXX, I found 3 " 60 days late payments '' posted with XXXX, XXXX and XXXX. I called on XX/XX/XXXX and was told they don't see where it was reported late and told me to email them, which I did on XXXX XXXXFirst Investors have failed to respond causing significant damage to my credit rating.
Product: Consumer Loan

I had a XXXX XXXX XXXX on lease with GM Financial ( GMF ). I traded in the car on XXXX XXXX, XXXX. The new car dealer bought out the lease from GMF. However, between the time we negotiated the deal ( XXXX ) and the date the deal was completed ( XXXX ), I made another lease payment ( XXXX ) of {$250.00} which was automatically deducted from my checking account. The dealer told me that the leasing company would refund the over-payment. The lease was fully resolved by GMF on XXXX, as the dealer paid off the remaining balance. It is now XXXX, and after XXXX phone calls and XXXX e-mails, my over-payment is still unresolved.
Product: Debt collection

my husband it was cosign of credit card and they be on to him they took money from our account and that money was belong to my rent they do n't care the also been aggressive and unprofessional harassment me call me a job also call my house at XXXX and Sunday early morning
Product: Debt collection

I set up a payment plan, to begin paying this debt down, in late XXXX so that payments could start on XX/XX/2023. I set up the payment plan giving my debit card information for the funds to be deducted from my checking account. In speaking with XXXX on XX/XX/2023, he confirmed that payments were set up to come out of my checking account. On XX/XX/2023, Bull City Financial Solutions attempted to withdraw {$50.00} from my savings account. This transaction was denied. Bull City Financial Solutions then charged me a {$20.00} NSF fee because the transaction on XX/XX/2023 did not go through. On XX/XX/2023, I spoke to a Bull City Financial Solutions agent by the name of XXXX. I explained to XXXX the NSF fee and he informed me to email, Bill City Financial Solutions Help Desk for Client Services, a screen shot of my bank statement that shows the {$20.00} NSF fee being deducted from my banking account if I wanted to be reimbursed. I sent an email to Client Services on the same day with a screenshot of my XXXX bank statement that shoes the {$20.00} NSF fee. I never received a call from Bill City Financial Solutions to address the matter at hand. I didn't find out that the reimbursement request for the NSF fee was denied until XX/XX/2023.
Product: Credit card

I have a dispute with XXXX XXXX over a a cancellation fee they are charging me. The merchant has provided capital one dispute team, with inaccurate false information and Captial one 's dispute account managers are not doing their due diligence in investigating the situation. I have been told misinformation since XXXX XXXX, 2016 and my last encounter with the rudest account manager i have experienced there is what has drawn me to file this complaint. He proved to me that they are not reading the submitted materials. They are interpreting hard facts in the favor the merchant. THe last account manager, Said he was the HIGHEST person I would be able to talk even if the information he provided was inaccurate. I asked him for his name and ID and his name is XXXX. His attitude and knowledge exemplifies the on going problems that Cap One has with proving customers with accurate, timely information.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Dispute of Innacurate Late Payment Reporting Account reference XXXX. XXXX XXXX XXXX. Acct. XXXX XXXX. XXXX XXXX XXXX. Acct. XXXX Subject : Request for inaccurate late payments based on FCRA specifically 15 U.S. Code 1681 I am writing to file a formal complaint regarding a critical issue with the inaccurate reporting of late payments on my credit report, specifically concerning the accounts referenced with XXXX  XXXX XXXX. Acct. XXXX /XXXX  XXXX XXXX XXXX Acct. XXXX upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). As outlined in 15 U.S. Code 1681. The reported late payments on the aforementioned accounts are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid these accounts on time, in accordance with the agreed upon terms. 
Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late ( Paanl ) based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations. 
I hereby request that you provide documented proof supporting the claim of late payments on these accounts, in accordance with 15 U.S. Code 1681i of the FCRA, this proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflects its accurate status as Paid as Agreed Never Late. According to 15 U.S. Code 1681s ( 2 ) ( A ) ( 1 ) of the FCRA Creditors and Credit Reporting Agencies are required to report information accurately and completely. Additionally, I remind you that you must conduct a timely investigation and provide a written response within response 30 days from the receipt of this dispute letter, as required by 15 U.S. Code 1681i ( A ) ( 1 ). Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I requested proof of Debt Validation Request on XX/XX/2023 I haven't received nothing back from the company, but the original price was balance was {$1900.00} but as of today the updated balance is {$2000.00} I am writing to formally request the validation of a debt that your agency claims I owe. I received a communication from your agency regarding an alleged debt, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this debt. 

I request that you provide the following information to establish the validity of the debt : 1. The full amount of the alleged debt, including any additional charges, fees, or interest that have been added.

2. Detailed information about the original creditor, including their name, address, and contact information.

3. Proof of your agency 's authorization to collect this debt, including documentation demonstrating that you are licensed to collect debts in my state.

4. Verification of the date this alleged debt was incurred, along with any supporting documentation that proves I am responsible for the debt.

5. A complete payment history showing all transactions related to this debt, including any payments made, charges, and any adjustments or credits applied.

6. Copies of any contracts or agreements I supposedly signed with the original creditor, specifically proving my liability for the alleged debt.

Please note that according to the FDCPA, you are required to provide this validation information within 30 days from the date of this letter. During this time, you should cease all collection activities related to this debt until you have provided the requested validation.

If you are unable to validate the debt, or if any of the requested information is unavailable, please immediately cease all collection efforts and remove any negative information regarding this debt from my credit reports. Failure to provide the requested validation will result in the assumption that this debt is invalid, and I will pursue all available legal remedies to protect my rights.

Please ensure that all further communications regarding this alleged debt are conducted in writing. Any phone calls or other forms of communication should be documented and kept for my records.

I expect your prompt attention to this matter and a timely response. I look forward to receiving the requested information within 30 days from the date of this letter. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors : -Avant/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX have violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

Keep Getting calls from a " Premier Portfolio Group ''? Saying they have a bad check? I have not had a checking account in 5 years and Never had a returned check when iI did have one! Sometimes it is an XXXX no sometimes a XXXX XXXX Area code, sometimes XXXX Or XXXX! This is obviously a scam and I want it stopped!!
Product: Student loan

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
TRANSUNION and the account name is XXXX XXXX balance {$0.00} account # XXXX
Product: Debt collection

IC Systems has filed a collection notice with the credit XXXX, XXXX and XXXX for a debt of {$2300.00}. I have no knowledge of this debt to XXXX XXXX XXXX XXXX. I have never had any account with XXXX XXXX XXXX XXXX. IC System has not provided any documentation to validate this supposed debt. I have worked for a satellite provider for the last XXXX years and receive free programming so would not use another programming provider. IC System has only communicated by email which is automatically going to junk mail.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying
that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately.
Product: Debt collection

Repeated calls, old debt over XXXX XXXX XXXX
Product: Credit card

Bank of America charged interest on my credit card account AFTER I had paid it off in full. On XX/XX/2024 the credit card was paid in full. Three days later Bank of America adds on what they call an interest charge of {$21.00}. How can you add interest on a zero balance? On XXXX I called Bank of America to try to get a reasonable explanation all I got was that the charge can not and will not be removed. Therefore, I closed the credit card and filed this complaint.
Product: Checking or savings account

I was charged twice a WEEK ago - one went through and the other is still pending!!! I was told by Truist basically tough, XXXX cant even close my account because this extra pending charge has it me negative. I want this reversed so I can close my account. I have NEVER in thirty years ever had an issue like this with my credit union and want out from Truist. They expect me to do their job and definitely arent watching out for customers.
Product: Debt collection

I had settled for a XXXX dallor pay off on a motorcycle from XXXX through HSBS bank and have n't heard nothing back in a month or so and still showing I owe for it!
Product: Credit reporting or other personal consumer reports

BACK IN XXXX OF XXXX I WAS INDUCED INTO A XXXX XXXX, I HAD MAJOR HEALTH PROBLEMS, I WAS BATTLING SEVERE HEALTH PROBLEMS, BASICALLY IS WAS XXXX XXXX XXXX XXXX LUCKLY FOR ME DOCTORS DID EVERYTHING AND I RECOVERED, I AM FEELING BETTER NOW. WITH ALL THIS HAPPENING IN XXXX OF XXXX  MY BANK ACCOUNT WAS JEOPARDIZED BUT BECAUSE I WAS STILL IN M RECOVERY PERIOD, BY THE TIME I REALIZED IT WAS TOO LATE AND MY ACCOUNT WAS REPORTED 30 DAY LATE. I TAKE MY FINANCES SERIOUSLY, I HAVE TRIED TO REACH OUT TO BANK OF AMERICA BUT NO RESULT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax Corporate Office representatives have been using my personal financial information to fraudulently report an account/public record that they have not been able to provide accurate reporting information. I have requested they provide me with the XXXX party vendors or additional information that support their reporting and they have refused. Therefore, they are stealing my personal information and knowingly reporting unverified information. On Tuesday, XX/XX/XXXX I had a phone call with XXXX Identity Theft Resolution Professional with XXXX. We completed one phone call to VERIFY an INACCURATE collection account that was reporting on my report. The phone call concluded that the company did not have information for me, and was not reporting. After all attempts of disputing this account, and they constantly reported that it was reporting and correctly, and then now with me urging them to call because I called and it was verified they received the correct information. We then made calls to VERIFY the information being reported for Bankruptcy and it was UNVERIFIABLE. This shows that none of the credit bureaus have attempted to accurately VERIFY accounts that are reporting when consumers initial dispute XXXX times.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$430.00}, {$4600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant tothe Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Product: Student loan

I applied for Loan Forgiveness because of my XXXX inhibiting my ability to continue with repayment of the student loans I opened for my daughter 's education. I was told that I was approved for the Loan Forgiveness, only to find out that all they did was remove me from the loan and keep my husband 's name on the loan. Essentially, all they did was take my name off the loan. I was still in the position that I had to repay the loan, which isn't what I was trying to do at all. I needed Complete Loan Forgiveness! To this day, I am still having to pay for the loans that I was told were being Forgiven. 

I did have documents related to this whole process, I may have destroyed them because I was so upset with the final outcome and my inability to get anyone at Navient to return my calls regarding this matter. I will have to see if I kept them and then I would be able to supply them.
Product: Student loan

XXXX XXXX closed down for false practices, misleading their students, and making false promises with helping find a job in the industry after you graduate. XXXX XXXX was a for profit college. Six months after graduating, XXXX XXXX began calling me and asking for {$800.00} and to begin repaying my student loans. There was no way I could afford that and make my rent payments. I began to struggle with these payments and began looking for alternative options. I ended up consolidating my student loans, so that I can afford to make my monthly payments. After that, I began to get calls from XXXX XXXX and the agents would refuse to lower my monthly payment and advised me to get a " Better '' job, so that I can meet these payments. I believe this conversation along with all conversations are recorded. XXXX XXXX called my parents, due to them being Co-signers of my student loans and harassed them. They would continuously call my parents at all hours of the day to harass them for payments. One agent even told my parents, if they did n't make a payment, they could take away their house. Obviously, my parents got scared and my mother called me crying that day. 
When it became XXXX, I then setup an auto pay with them. They had agreed to a semi reasonable monthly payment - around $ XXXX ( do n't really recall ). Then one month they took more money from my account ( around {$800.00} ) leaving me to scatter around to make my rent payment. Since then, I could no longer trust them and cancelled my auto-payment. 
My student loans have crippled my credit and I was even denied when applying for an Apartment. I do n't qualify to purchase a house because of my crippled credit, therefore living in an apartment is my only option. However, it makes it difficult to even do that due to my student loans ruining my credit. I have proven documentation of being denied because of my student loans, they show as a " Debt '' not as a student loan. At this time, they are garnishing my wages and I am currently in a rehabilitation program in which consists of giving them an extra {$270.00}. My students loans were with XXXX XXXX, which later became XXXX. I 'm am not sure of the exact details, however XXXX sold my student loans to National Recoveries Inc. 
Overall I am giving them around {$500.00} per month, in which I can not afford, however I am making it work and cutting my budget to make ends meet. With all these late/accrued interests, I will forever be paying these loans. It does n't seem fair at all.
Product: Credit reporting or other personal consumer reports

I sent certified mail request with proof of ID & requested they remove the false inquiry on my report. They never assisted & it has stayed on my report. The company is ONEMAIN & I wrote to XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX