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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX5 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 or other personal consumer reports

15 U.S.C 1681 ( a ) you are in violation of my rights to privacy and information I want to be private that's posted on my consumer reports is a violation of my privacy, Infringed upon my right of privacy. Please investigate that this account because it is not reporting 100 % accurate information there are so many errors within this account and this is a violation of FCRA. This account is unverifiable and inaccurate information, please investigate that this account is reporting 100 accurate due to the fact that this account with the XXXX XXXX XXXX account number XXXX has been listed as a duplicate several times on my report. As a consumer by law these accounts on this claim must be deleted immediately.
Product: Credit reporting or other personal consumer reports

The collection agency ( Genesis Crdt ) bought my contract from the rental agency XXXX XXXX XXXX where I lived in back in from XXXX until XXXX reported incorrect information about my move out dates which was XX/XX/XXXX, they are reporting that I moved out XX/XX/XXXX. Which makes it incorrect and needs to be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/2019 I ordered some clothing from XXXX XXXX incorrect items was sent. I returned the items. I wanted my money back and the company agreed. I never got my money back. XXXX XXXX sent documents that I made the order. Yes I originally made the order, but the things I received were not what I ordered. The company said I would get a refund and I am still dealing with this six months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and saw a collections account from XXXX XXXX XXXX XXXX for {$380.00} ) I notice my right were violated 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXXXXXX XXXX '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 

Use of Trade Name Material Name : Under Protest and duress {$25000.00} ANY DOCUMENT PRODUCED BY ME ; {$10000.00} TRESSPASS/FAILURE TO ACT 1.FAILURE TO HONOR GOD GIVEN RIGHTS {$20000.00} 2.SILENCE/DISHONOR/DEFAULT {$5000.00} 3.FAILURE HONOR/NO BOND {$5000.00} 4.USE OF STREET ADDRESS {$5000.00} 5.FAILURE TO FOLLOW FEDERAL AND / OR STATE STATUES, CODES, RULES OR 6.REGULATIONS {$50000.00} 7.FAILURE TO PRESENT A INJURED PARTY {$100000.00} 8.FRAUD PER OCCURRENCE AND INCLUDES ANY 3RD PARTY {>= $1,000,000} 9.DISHONOR IN COMMERCE PER OCCURRENCE AND INCLUDES 3RD PARTY DEFENDANT {>= $1,000,000} 10.ATTEMPED EXTORTION OF FUNDS FROM BIRTH CERTIFICATES ACCOUNTS, SSN ACCOUNTS OR OTHER ASSOCIATED ACCOUNTS BY FRAUD DECEPTION, FORGERY BY ANY AGENT ENTITY OR CORPORATION PER COUNT OR CHARGE. {>= $1,000,000} SHARING CREDIT HISTORY WITHOUT WRITTEN CONSENT : UNLAWFUL SEARCH WITHOUT A 4TH AMENDMENT WARRANT. VIOLATION OF THE 5TH AMENDMENT RIGHT TO PRIVACY ; ESPECIALLY OF PAPERS!!!!!!!!!!
Product: Mortgage

I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME AND WAS RECENTLY DENIED AND THE REASON THAT WAS STATED WAS BECAUSE MY INVESTOR HAS A RIGHT OF APPROVAL. I WAS NOT DENIED DUE TO INCOME OR AFFORDABILITY, JUST BECAUSE MY INVESTOR SAID SO WHICH IS   XXXX   XXXX  . I HAVE AN INTEREST RATE OF 9.65 % AND IT IS APPARENT THAT THEY ARE ONLY INTERESTED IN KEEPING ME IN A ABSURDLY HIGH INTEREST RATE INSTEAD OF REVIEWING ME FOR ASSISTANCE MY WIFE AND I DESPERATELY NEED IT. WE HAD TO CARE FOR OUR PARENTS , ONE  WHICH HAD  XXXX   XXXX  AND THE OTHER THAT HAD  XXXX    XXXX   XXXX   WITHIN 2 DAYS AND NOW   XXXX   XXXX    XXXX . THESE RESPONSIBILITIES HAVE FALLEN ON  US AS WE BOTH ARE   XXXX   XXXX   OF OUR PARENTS AND MEDICAL BILLS ARE  RACKING UP. NOT PAYING MY MORTGAGE IS NOT SOMETHING WE WANT TO DO, WE JUST NEED TO BE CURRENT SO WE CAN CONTINUE TO MAKING OUR PAYMENTS. WE CANT AFFORD THE DELINQUENT AMOUNT, WE ARE ONLY ASKING TO BE CURRENT SO WE CAN SAVE OUR HOME.
Product: Checking or savings account

Santander has not paid the bonus that it promised me. I opened a Santander checking account on XX/XX/2019. The terms were as follows : Complete minimum opening deposit ; Have direct deposits of {$1000.00} or more post to the account in the first 90 days ; Keep the account open and in good-standing for 90 days ; receive {$220.00} bonus. 

I completed the minimum opening deposit on XX/XX/XXXX and received a direct deposit of {$2800.00} on XX/XX/XXXX. My account has been open and in good standing for the past six months. I still have not received the promised bonus. I emailed Santader 's customer service to inquire about the bonus approximately two weeks ago. I received a response stating that they could not answer the question.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

I have contacted Capital One Bank several times because they have a hold on a {$440.00} payroll check that was deposited via remote deposit XX/XX/XXXX. 2021. I was told by Capital One that we ( meaning both me and Capital One on the phone together ) to verify that the check is good. So each time they have called and they can not get in contact with the office manager at my old place of employment. They also offered to contact the issuing bank to verify the check as well. When they called to verify the funds with the bank, Capital One said the wait time was too long and I would have to call back. This has been going on for over two months over a {$400.00} check. The check has cleared XXXX XXXX, which is the bank that my previous employer uses and they confirmed with me that the check was good. I went into XXXX and tried to call Capital One and tried to verify the check that way and they refused to speak with XXXX.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX  - XXXX - {$6300.00} XXXX XXXX XXXX XXXX XXXX - {$680.00} XXXX XXXX  XXXX XXXX - {$6300.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Name : XXXX XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

The business is attempting to collect a debt by filing suit against me a insolvent consumer as per 15 USC 1601. I have reason to believe and do so believe that I am the consumer in fact as in relation to 15 USC 1692a ( 3 ) and that I allege I have been furnished deceptive forms of communication in relation to an alleged debt obligation ; Notice, it is a fact that, I have reason to believe and do so believe, I the consumer / origin of credit owe no debt. Notice, I allege that in the matter of account XXXX this new condition for matter of presentment is in dispute for the validity of a debt or to discover if no debt exists. They are damaging me for trying to collect a debt as per 15 USC 1692 ( k ) and furnishing furnishing false and deceptive rules of communication pursuant of 15 USC 1692 ( k ) by claiming I owe a debt. Since no lawful money exist and as per public law 73-10 my ability to pay was taken away and I can not legally ( pay ) a debt with a debt note.
Product: Mortgage

We are in disagreement with Bank of America Home Loans on the denial letter for a loan modification received on XXXX XXXX, 2015. We believe that Bank of America is not acting in good faith on making this decision in our loan. Based on our current financial situation, we qualify for a modification under the Hamp Program Tier 1. We believe that we meet all qualification requirements for this program. In addition, The Net Present Value Data Input and Values Chart used Bank of America to disqualified our loan modification application is based on high predatory lending rate of 7.5 % when the current mortgage loan interest rate available on the open market is less than 4.5 %. Moreover, Bank of America stated that we have poor credit score, which is not the case because cur based on Bank of America NPV report our credit score is XXXX. In today 's credit score requirement any person can qualify for a XXXX XXXX, or FHA loan with less than XXXX score. We are here appealing Bank of America 's denial decision in our loan based on the above grounds, and we ask the Bank of America comply with all Federal, State and Local laws, and provide us with this information. We will submit copy of this complaint to Bank of America.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding multiple inquiries from your company that have appeared on my credit report.
Product: Debt collection

I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Product: Student loan

I am the consigned on my daughter 's XXXX notes serviced by Navient. XXXX loan had a principal amount of $ XXXX and the second note of {$4000.00}. The notes now state the principal amounts are ~ $ XXXX and ~ $ XXXX. My daughter has been paying interest only on these notes for 11 years. She was constantly encourage to defer her loans. An income based repayment plan was never offered. My daughter and her husband are on their XXXX child. In XX/XX/XXXX, Navient increased their payment by twice the amount. My daughter 's attempts to refinance this note have been ignored and at one point a rep told her they would just get the money from me - my credit cards had plenty of room as she could see it right there in my credit report. My daughter just gave birth to her XXXX child who has a XXXX which requires XXXX. Her other XXXX children are XXXX and under. Her husband is the sole support for the family. After numerous calls with Navient and letters I called them as I had a letter that a settlement was possible- first the rep denied that was what the letter said. I offered a much lesser amount stating the funds were coming out of a small retirement account. The rep finally said she was authorized to settle for $ XXXX. When I replied this was beyond my means and could she do better after a long argument, she transferred me to a supervisor. The supervisor said she knew nothing of my call before I was transferred and proceeddd to bully me about my daughter 's note. I continued to state I wanted to find a way to settle the note that my daughter could not repay it and I could not afford to pay another bill. The tactics used are nothing short of bullying, then they roll to empathy and back to bullying. This representative told me Navient would never settle and that I could pay {$5000.00} to get my name off the loan. Forty five minutes later and exhausted I just excused myself to get back to work. The rep left me with a threatening remark about forwarding me to collections. Navient is now calling my work number at least once a week. They call my cell phone daily and they send letters in envelopes with no return address. My daughter suffers the same harassment and they are now even calling her mother-in-law. My complaint is that my daughter was n't informed on the impact of deferring her loan. They 've refused to work with her on an income based plan. While I accept responsibility for signing the loans I would expect after 12 years and all the interest already collected, Navient would make an effort to refinance this note instead of using scare tactics.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint and Dispute Regarding Civil Liability Due to Negligence and Non-Compliance Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against AMERICAN COLLECTION SERVICE for negligence and non-compliance with federal laws, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). This company has failed to fulfill its legal obligations, resulting in unjust liability, financial harm, and consumer rights violations. 

Nature of the Dispute : Company Name : AMERICAN COLLECTION SERV Account or Reference Number : XXXX Summary of the Issue : False credit reporting/incorrect Steps Taken : I have formally disputed this issue with the company, but they have failed to properly investigate, correct errors, or provide verification within the legally required timeframe. 

Legal Violations : 1. 15 U.S.C. 1681s-2 ( FCRA - Responsibilities of Furnishers ) The company has reported inaccurate, misleading, or unverifiable information in violation of this law. 
2. 15 U.S.C. 1681i ( FCRA - Right to Dispute Inaccurate Information ) I exercised my right to dispute the information, but the company failed to investigate and correct the issue.

3. 15 U.S.C. 1681n & 1681o ( FCRA - Civil Liability for Willful or Negligent Non-Compliance ) Due to their failure to act, I have suffered financial damages, credit harm, and undue stress, making them liable for legal penalties and compensation.

Requested Resolution : I request the CFPB to investigate this matter and enforce compliance by requiring : Immediate correction and removal of inaccurate information Written confirmation of actions taken Possible compensation for damages caused
Product: Vehicle loan or lease

On XX/XX/XXXX I sent another letter to Huntington National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by way of USPS Certified Mail Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is my second attempt to retrieve information from Huntington National Bank regarding the repossession. I initially sent a letter to Huntington National Bank on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington received this letter XXXX XXXX XXXX XXXX XXXX XXXX and they still have not responded with the documentation that I requested in that letter. 

In the letter I sent to Huntington National Bank on XX/XX/XXXX XXXX XXXX XXXX XXXX I requested more information regarding the account. I asked a series of 22 questions. I will attach the document that I sent.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It is crucial to acknowledge that I did not provide authorization for these accounts, and their presence is causing me considerable distress.
Product: Credit card

Please review the attached documents. I urge the bureau to begin an investigation into these accounts that are incorrectly reflecting late payments on my part.
Product: Debt collection

After I have been trying to settle this debt for over 1 year and the company never responded to my many attempts, I contacted CFPB and all of a sudden Winn Law Group was able to respond, but still did not provide a written settlement. I had to file another complaint first. 
With all this time past and Winn Law Group falsely filing a lawsuit against me, I had many unexpected costs caused by Winn Law Group and their lawyer Mr. XXXX : I had to send over 10 priority mail letters, I had to drive to XXXX Court 3 times, wasting money for gas etc. 
The original amount I had offered Winn as a pay-off quote {$850.00}, is not available anymore. 
I have been without work since XXXX. No work, no money. 
I am a single parent with a minor home schooling child and with this pandemic hardship and all the costs caused by Mr. XXXX, I am only able to pay a one time settlement of {$200.00}. 
Furthermore the settlement agreement that Winn Law Group sent me for the {$850.00} was not signed - IT NEEDS TO BE SIGNED BY THEM. 
PLEASE HAVE THEM SIGN THE NEXT SETTLEMENT OFFER THEY MAIL TO ME, otherwise it would not be valid, the one I received is not legitimate. 
Also, Mr. XXXX and his firm have caused me immense distress by suing me, when I had been trying to pay the debt. The distress has caused me illness, XXXX for months. 
They should offer a compensation for mistreating people, harassing others and making them sick. 
I should receive money for compensation from them. 
Furthermore, I received a phone call again today from the company " XXXX XXXX '' claiming that THEY own this XXXX Card CC Debt ... They claimed they had sent me a settlement offer a while ago and I should pay THEM .... 
Please explain and investigate! 
They called from phone number : ( XXXX ) XXXX
Product: Debt collection

Debt was written off by years ago company received credit for debt and sold it to another company.
Product: Checking or savings account

Wells Fargo/Wachovia opened a case last year but did not resolve the issue. I am entitled to seven payable on death accounts that my mother left POD to me that were wrongly closed by predatory ( former ) guardian/convicted Felon ( as of XX/XX/XXXX ) XXXX XXXX and her cohorts. This was a violation of federal banking laws and the bank remains responsible. Wells Fargo gave me a case number and contacted me by phone claiming there would be a settlement. But the bank failed to do as promised. I am still awaiting a monetary settlement, which I was promised. The bank participated in an illegal OR negligent activity by giving my inheritance money ( the seven CDs/money markets ) to the wrong person ( XXXXXXXX XXXX XXXX  ) using an illegal court order. XXXX XXXX ( XXXX ) also now makes it clear that a bank can not destroy a Totten Trust . The bank either intentionally collaborated with convicted felon XXXX XXXX or erroneously paid out the seven CDs to XXXX XXXX 's Geriatric Care Management company. In either case, the Errors and Omissions of Wells Fargo/Wachovia insurance should be able to reimburse me the nearly half a million dollars that rightfully belongs to me. In a letter sent to me the end of last year, Wells Fargo claimed they could not provide information on the wrongfully closed/money taken accounts. This is a misstatement, since the money/accounts belong to me. The money is mine and has been mine ( POD ) since XX/XX/XXXX ( the day of my mother 's death ). It's time for Wells Fargo/Wachovia to give back the money that was wrongfully taken and not given to the rightful heir ( XXXX XXXX XXXX XXXX The bank has a contract with my mother, XXXX XXXX, to honor her wishes, and no predatory guardian or illegal court order can destroy a Totten Trust. I am now reaching out to the CFPB through XXXX XXXX 's office for assistance with this matter. I have extensive documentation to prove my claim and there is no statute of limitations where there has been fraud, and also for the sake of justice. For years, no one listened, but now with XXXX XXXX arrest and conviction and new legislation specifically stating that Totten Trusts can not be destroyed ( XXXX XXXX, XXXX ), the bank needs to honor my claim. Sincerely, XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. XXXX XXXX. XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I need this acct removed from my credit report. This account is not mine. I was apart of the data breach.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> of the first charge off since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.