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

XXXX XXXX XXXX XXXX 3 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary 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 - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I have already filed a complaint with other bureaus but EQUIFAX continues to report this false debt to my name. I have attached documentation to show that I paid this balance that was owed to the original place of business - XXXX XXXX XXXX. I do not owe this collection agency anything, nor did I ever! 

THIS IS UNTRUE. I have called XXXX and Equifax several occasions and nothing is being done.
Product: Credit card or prepaid card

After not getting anywhere and becoming very stressed out with my business dealings through a company by the name of XXXX XXXX because the venture I had invested in was not going the way they promised. 

So, after many persistent calls I decided to listen to XXXX XXXX at XXXX, she demonstrated to me what their website creation could do for my business, What they showed me was not only more sophisticated and user friendly but nicer looking than mine. They said all the right things to get me to pay them to build me a better website and promised they were on the up and up and I would make money in 2-4 weeks and help put me in the right track to recover what I had lost with the other companies. 

Now 3 months later, I still have no working website and of course no money. I have seriously been taken advantage of and lied to by yet again by another internet online fraud. 

I would like your assistance in getting my money refunded. 

Thank you.
Product: Checking or savings account

I am so XXXX off by Chase bank. I went to the ATM to make a deposit on XXXX XXXX XXXX, XXXX NJ XXXX The ATM ate my deposit. I went inside to tell XXXX of the tellers and they told me I would have to call customer service. Upon calling customer service I was told that Id have to file a claim and wait 10 days for MY FUNDS that I tried to deposit to pay my car note. Now my car note is past due and thats about to affect my credit thanks to Chase. Another rep told me that Id most likely receive a credit to my account within 4 days and I still havent seen anything. Im on day 3. I filed the claim right after the incident on XX/XX/2023.
Product: Checking or savings account

I opened an asterisk-free checking online and electronically deposited funds into the account. On XX/XX/XXXX I removed all funds in the account leaving a XXXX  balance. I called on XX/XX/XXXX to close the account. I was told the withdrawal of the funds had not fully cycled and that I would have to call back to close the account. I contacted the company on XX/XX/XXXX to close the account. The associate told me that it is " bank policy '' that based on my location that I had to come into the office to close the account. I informed the associate that given my circumstances it is less than convenient to do so and that I didn't understand how a fully virtual account opening, electronic deposit, and then electronic withdrawal would then require a physical presence to close a {$0.00} balance account after I had been fully authenticated on the call and instructed them to do so. He said simply that it was their policy. It seems unethical to require an inconvenience for customers who choose to stop doing business with them to have to physically show up at branch when all the preceding actions had all been virtual. Is it their policy to cause this inconvenience?
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy, confidentiality, and civil liability for willful noncompliance under 15 USC 1681.

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 15 USC 1681 C-2 15 USC 1692g 15 USC 16811S-2 15 USC 1681i 15 USC 1681b 15 USC 1681 15 USC 1681b - 15 USC 168115-2 15 USC 1692g
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 ; XXXX - XXXX {$2300.00} XXXX XXXX - XXXX {$2300.00} XXXX XXXX - XXXX XXXX {$5800.00} XXXX XXXX - XXXX XXXX - XXXX {$8100.00}
Product: Debt collection

this is inaccurate. I paid my monthly bill and cancelled and they are trying to charge me for more. I do not want this on my credit and Im asking for it to be removed.

I.C. SYSTEM, INC Original cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

FAIR COLLECTION AND OUTSOURCING has a collection account in the amount of {$2100.00} that is reporting on my consumer reports that I do not owe nor am I responsible for. I contacted them on numerous occasions to try to settle this as this is affecting my credit score, I sent them a letter willing to settle this debt to Remove this account from my consumer reports but they are using deceptive language by saying they will close the account and that is not in the agreement of which I sent them. They replied with a letter stating they are willing to settle for XXXX and I sent a final offer letter of settlement of XXXX and then a second letter XXXX since this debt is not mine and I see that they are in violation of FCRA 15 USC 1681 B2 ( permissable purpose use ) so I rescinded my offer and will pursue legal action. It seems this account has resulted from identity theft to which I have provided them a identity theft report to which they have not responded but only responded for me to pay XXXX to settle. My credit reports should not be held hostage in this matter. Even though this debt is not mine they insist I pay an amount that is unreasonable to close the account and not remove it from my consumer report in which I refuse to do. Any errors on a consumer report that is a result of identity theft must be removed from the credit file within 4 days per the FCRA. If this is not done I will be forced to take legal action for the violations FCO has committed.
Product: Mortgage

My lender ( New American Funding ) which I have a Federally backed Mortgage with ( VA LOAN ) have been in violation of the CARES ACT and the Circular 26-20-12 dated XXXX which the VA distributed to all lenders who service VA LOANS about two weeks later I requested a Forbearance for 180 days which was denied which is a violation of the Cares Act which states that the borrower not the servicer is entitled to determine the period of the forbearance subject to statutory limit of up to 360 days so my lender still thinks that they are entitled to determine the period of forbearance they still have not granted the me the full 180 days of forbearance they granted me 60 days XXXX to expire on XXXXXXXX which is 60 days my lender also sent me a letter dated XXXX  to inform me that hazard insurance has expired it is my understanding if the borrower has an escrow account with the lender the lender is responsible to pay hazard insurance while my loan is in forbearance which it was at the time my lender has continue to ignore or refuse to follow the guidelines under the CARES ACT for lenders that services Federally backed mortgage they have continued to violate my rights under the CARES ACT I will upload documents which exactly gives dates and you will see that I have informed them several times that they were in violation
Product: Mortgage

My Husband and I received our XXXX Form from Wells Fargo Bank N.A . 
for our mortgage loan # XXXX and the Outstanding Mortgage Principal is off by {$3800.00} ( the principal payments made in XX/XX/2016 ). 
I checked our amortization sheet and the Wells Fargo Statement for the year end amount, in XX/XX/XXXX, which is {$110000.00}, NOT $ XXXX Thank you for helping us to rectify this error. 
XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX., XXXX, TX XXXX SS # ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name Is XXXX XXXX and this is my formal notice of complaint against LexisNexis for furnishing information to the credit reporting agencies XXXX XXXX XXXX without my permission. This has been an invasion of my right to privacy and is causing me XXXX XXXX, XXXX, and inconvenience. 

I have reached out to LexisNexis on several occasions to resolve this issue and my requests have been ignored. 

According to the Fair Credit Reporting Act, in order to furnish the alleged XXXX XXXX  XXXX LexisNexis would need to be able to both VALIDATE and VERIFY my information with the original creditor. XXXX XXXX XXXX  XXXX has assured me it is not within their policies or obligation to validate any public records via correspondence they provided me with via postal mail, please see the attached exhibits. 
So how was this information validated and verified? 

Pursuant 15 U.S. Code 6821 ( a ) -Prohibition on obtaining customer information by false pretenses. 

by providing any document to a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

Also by providing any document to an agent of a financial institution ( consumer reporting agency ), knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 

LexisNexis claimed to have reviewed my previous requests for validation and verification in which they mailed a resolution letter with an updated copy of my LexisNexis file on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( See attached exhibits ) ... and is somehow still requesting that I authenticate my identity .... 

If LexisNexis is unable to authenticate my identity then HOW in the world were they able to provide me with resolutions to my previous requests? 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice. Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by LexisNexis. I am aware that XXXX, XXXX and Lexis Nexis may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable if they do not delete these items immediately from my credit reports. I am also aware that this may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnish this alleged bankruptcy. 

Please review the attached Exhibits that support my claims.
Product: Student loan

I have a private studet loan with Sallie Mae which I have always made on-time payments. Unfortunately, in XX/XX/2018 I had to leave my job and relocated to Virginia to take care of my elderly mother. I spoke with a Sallie Mae representative in XXXX in regards to me being unable to make my monthly payments at this time as I was unemployed and re-enrolling into school. The Sallie Mae representative told me I could only put my loans in deferment by paying {$150.00}, which I dont have, and that the payment would NOT be applied to the principle or interest of my loans. The representative also told me to go online and mail or email the paperwork stating I was back in school to defer my loan repayment. At the end of XXXX/early XXXX I printed the form off from their website emailed AND mailed it to them. It is now XXXX and they have yet to put my loans into deferment.Sallie Mae calls me mutiple times everyday, from sun up to sun down, requesting payment even after Ive asked them to stop calling. Ive asked that all contact be written either via email or mail, but have not received anything from them. Ive done what I was supposed to do as far as alerting Sallie Mae of my unemployment, school enrollment, and completing their required documentation. I am not sure what else I can do at this point. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a payment arrangement with XXXX XXXX on a delinquent account. 
XXXX XXXX has received 4 payments on time of the 6 payment arrangement. 
The final payment is due XX/XX/2018.I have two payments of XXXX to go in XXXX AND XXXX for completion of the attached agreement. 
in the agreement it says under " what you need to know ... .. '' - '' in accepting this settlement we intend to discontinue collections. '' - '' your payment ( s ) are confirmation of this arrangement '' YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGEOFF WITH NO NOTES OR INDICATION OF THE AGREEMENT! DO THEY THINK THAT ALL CUSTOMERS ARE XXXX! THE REPORTING TO BUREAUS, THE WAY IT IS REPORTED IS A COLLECTION EFFORT AS DEFINED BY THE FCRA! 
I HAVE NO FAITH THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '' SINCE THEY ARE NOT HONORING IT NOW, YET I WILL MAKE THE NEXT 2 PYMTS. AND HONOR MY END AS I HAVE DONE! I HAD TO DISPUTE JU8ST TO GET THE PAYMENTS REPORTED, RECENTLY. 

XXXX XXXX IS CROOKED FROM THE TOP DOWN AND EVERYONE KNOWS IT!
Product: Debt collection

My car was in the flood of Hurricane Harvey on XX/XX/XXXX. 2017 Santander Consumer U.S.A. Want 's me to pay them {$600.00}, But {$600.00} was paid towards the settlement amount of XXXX Now they went me to pay them all of XXXX in full. I sent a letter to the CEO of Santander U.S.A telling him about the flood in XXXX XXXX Texas on XXXX XXXX. But they keep calling me!!
Product: Credit card or prepaid card

Resurgent Acquisitions, LLC is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent XXXX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice. In accordance with the FAIR CREDIT REPORTING act XXXX  Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

You are in noncompliance with the Privacy of the Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information with nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt-out pursuant to 15 USC 6802 .

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUESTS FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Debt collection

To whom it may concern : I have a collection account on my file from a collection agency, IQ DATA INTERNATIONAL, the accounts is as follows ( IQ DATA INTERNATIONAL account # : XXXX ). Please be advised that I am disputing this collection due to, IQ DATA INTERNATIONAL & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, does not currently have a valid license in Louisiana to collect on debts. The information attached is not yielding and results for an active license with for this company according to, Louisiana Secretary of State ( XXXX XXXX XXXX ). I am requesting the the matter be investigated and delete these accounts from my credit file immediately or provide me with physical proof that IQ DATA INTERNATIONAL is licensed to collect debts in Louisiana. Your immediate response will be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 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: Money transfer, virtual currency, or money service

On XXXX XXXX I sent a {$18000.00} bank wire transfer from my account at Wells Fargo to XXXXXXXX XXXX XXXX XXXXXXXX. I was informed after I sent the wire that the funds were not received by the person I sent it to and that there was the possibility of fraud. 
Shortly after learning about the above, I disputed the wire transfer with Wells Fargo Bank. They created a claim # XXXX. After investigating, they denied my claim and said I had to file a police report in XXXX and have a complete investigation in order for my funds to be returned. 
I did as they asked, and a complete and thorough investigation was completed on XX/XX/year> which confirmed the person I sent the funds to never received them as a result of fraud committed by XXXXXXXX XXXX. 
I contacted Wells Fargo upon learning the results of the investigation and demanded the return of my funds, yet they have denied it once again.