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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # xxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Reference # XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX bankruptcy Reference # XXXX has violated my rights. 

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

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

Called me at XXXX XXXX did not state company name or to whom I was speaking with, but wanted me to give out my personal information such as my birthday. I informed that at the time they call that it was before XXXX XXXX. Called back spoke with an agent, his excuse is I have a east coast  address, yet I have never dealt with this company before. Also, after talking with the agent he is well aware that my employer is in Idaho. Therefore, it should have been a given that the address they have on file did not correlate with my new address and time zone.
Product: Debt collection

I noticed the collection item noted on my account from a creditor I don'y remember and not be a medical facility in the last 6 months.I tried calling at that number but did not get an response.At this time I feel this is a debt due to identity theft plus I am not not able to understand why i don't get nay response and this has ruined my credit history.
Product: Debt collection

I have reviewed my latest credit report and found several unauthorized accounts that appear to have been added without my consent.
Product: Student loan

Nelnet has several late payments on my accounts. My accounts have been in good standing for many years because I have either done a deferment or forebearance on them over the years. In XX/XX/2018  Nelnet has late payments on all of my accounts with them due to some communication issues. I have attempted two times to rectify the situation with them by disputing with the credit bureaus, but they have not fixed the error. I would like these items updated the information on all of my Nelnet accounts including the recently closed accounts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of identity theft. I checked my credit report and I noticed i have unauthorized credit inquires on my report. Inquiry XXXX XX/XX/2023, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023, and XXXX XXXXXXXX XXXX XX/XX/2023 XXXX I have filed a FTC report, Report number : XXXX. I am writing to I request that Transunion, and XXXX REMOVE the inquires immediately from my credit file upon receipt of this correspondence. In addition, this is hurting my reputation and disabling me from applying for a car, a house, and anything that has to do with using my credit XXXX and credit score.
Product: Mortgage

The amount charged for " escrow '' on my monthly bill is more than what the monthly tax and insurance amounts would be. There is no escrow shortage showing. This was happening with the previous servicer ( XXXX XXXX ) and when Roundpoint took over, they continued with the over charging. I have called about this and nobody can explain why the escrow should be {$260.00} yet my statements show {$290.00}. Nor can anyone explain where the money has been applied. No escrow analysis has been completed to give a breakdown. I have requested escrow be removed, however, I still want to know where the monies taken have gone. In the last 2 years I have overpaid between XXXX  per month
Product: Money transfer, virtual currency, or money service

Used XXXX to pay for on-line purchase of XXXX XXXX XXXX. Once seller received the payment ( {$2500.00} ) they did not send the product nor further respond to my communications. They have blocked my telephone calls and refuse to respond to my emails. 
My payments ( {$2000.00}, {$500.00} ) cleared XX/XX/XXXX & XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX, SC. 
XXXX ( above number & e-mail used for XXXX account ). XXXX bank account. 
Co-conspirator : XXXX XXXX no confirmed address. XXXX. 
Their XXXX account is still active as are the e-mail and their phone numbers. 
My compliant is that I have no recourse to either receive the product or a refund. XXXX has their contact info, I have their Phone numbers and email address and the names they used to scam me. 
Why is there no enforcement agency that can assist me to resolve this. I am XXXX and XXXX and need assistance as there is no way to cancel a transaction or force a refund. 
My bank Navy Federal Credit Union essentially tells me tough luck! 
I received a USPS tracking number but USPS never received any parcel. 
Isnt there an agency that handles wire fraud, mail fraud, scams, elder scams, tax evasion, false ( misleading ) advertising, or any similar crime. 
XXXX did not cancel their account so they just continue scamming the public. Where is the justice for me? Or others who have been robbed? Is this legal, sanctioned theft? 
( I can not guarantee the stated identities of above persons, I only have email documentation. This is in no way an attempt to defame, harass, or implicate any other person with above names, addresses, emails or phone numbers )
Product: Checking or savings account

We opened a checking and saving account with citi bank in XX/XX/XXXX. They had a promotion that would deposit {$700.00} to our checking account after three months under certain conditions. We satisfied these conditions. However, after three months, in XXXX they closed our checking account without even notifying us. In XX/XX/XXXX, we contacted them asking about the {$700.00} promotion credit, they said that they tried to deposit it but our account was closed ( they closed it without our knowledge ). They asked us to open another account so that they can deposit {$700.00} again. However, more than 5 weeks passed and nothing happened. When we contacted them, their response was it is going to take a while. At this point, we havent received the credit yet. 
We believe that the citi bank is mistreating the customers by promising a promotional credit, then closing the customers account so that the promotional credit can not be deposited. During this whole process, we were not notified at all by the bank. Please investigate this behavior. Thank you.
Product: Mortgage

I have filed a previous complaint regarding Bank of America not offering a viable alternative to catch up on payments on forbearance after pandemic. You guys reached out to them with previous complaint filed one month ago and they did call and work with me pretending to work with me on offering a loan motification that I was told multi times I did not qualify for Bank of America special department called me too pacifist the complaint with the cfpd had me apply and I stated I dont qualify you told me I do not but you are supposed to via the cares act federal law supposed to offer a doable payment plan to catch up after pandemic forbearance they stated no other options and said they are now more open for a loan modification which sounded like a lie to me. Sure enough they answered the complaint to you guys had me apply for a modification that like I said told me for months that I did not qualify for due to no tax returns from stay at home order re pandemic as soon as case was closed last fri I received a call XX/XX/22 at XXXX pm no modification in system applied for and representative asking me how am I going to pay past due Please note frustration I was in forbearance for 18 months and I am only 4 payments behind I feel bad for people that are XXXX XXXX XXXX payments behind that they are doing this too
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I the dispute process with the Transunion credit bureau, XXXX  and XXXX   regarding a unverified bankruptcy that is currently on my credit report. I sent a certified letter on XX/XX/2019 requesting that they remove the unverified information on my credit file. All three bureaus responded back that the information had been previously verified. The next set of letters that I sent, dated XX/XX/2019 requesting the method of verification ; complete list of all documents and correspondence with the furnisher of the information, with the list of contact and names of the employees that they spoke to as part of this investigation. I have not received a response from XXXX  nor XXXX but I had received a letter from Transunion, stating that they an investigation has already been done that the information had already been verified. They all have failed to fulfill their obligation under the FCRA sec 611 ( 6 ) ( b ) ( iii ) and 7. I contacted the Bankruptcy court that was listed on my credit file, to inquired about the credit bureaus findings and the courts response was that they do not share information with credit bureaus nor any third party vendors. They have not completed a reasonable investigation. How then can these bureaus conclude that the information that they are reporting is verified. I want this unverified information deleted from my credit file. I have attached to this complaint the correspondence from the bankruptcy court listed on my credit file and proof and receipts of the letters I sent to Transunion.
Product: Credit card

I have a CHASE checking account and a CHASE credit card. I was due to receive an annual anniversary points bonus of over XXXX points in XX/XX/2023. I made an enquiry and was told it would take up to 90 days. I waited 90 days and now I am told that my account was not in goodstanding- which it was. CHASE has not offered to send me the anniversary points I earned.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am missing a credit card from XXXX XXXX on my XXXX  report which is my longest standing card and is negatively affecting my credit score. It shows on my XXXX. 
I also have a issue with EXPERIAN not reporting for me AT ALL. I have no score which is affecting me trying to buy a house.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid {$4300.00} to ULTA/Mastercard ( Comenity Bank ) phone payment. 
I closed my account and I was told there could still be a balance for interest and fees. I stated I understood. 

I never received a notice of a balance. 
On XX/XX/XXXX. I called to inquire about a balance I was told they updated their system they can not see or tell me anything about my account and that I should try back at a later date. 

I called back in XXXX XXXX was told I had a balance of {$43.00} dollars I requested a statement. She said a statement is being mailed out. 

Fast forward. I received an alert on XX/XX/XXXX from XXXX that comenity bank reported that I owed a balance of {$170.00} dollars. 

I had tried to talk to dispute this with Comenity they hung up on me if I do not pay but they continued to call me nonstop. 

Finally, I sent a certified letter XX/XX/XXXX explaining that I would no longer speak to them and that if they wanted to talk had to do it through email because they are not trustworthy. I informed them that I was filing a complaint against them. 
After I sent they received my certified letter they sent a bill for those trumped-up charges and reported again to the credit bureaus that I now owe " {$290.00} on a loan I did not pay back '' Which is a lie. 

I am disputing these charges because a balance of {$43.00} turning into a {$290.00} dollar is madness. 
I can provide proof that I have always paid my balances off since having my credit card. I have my bank statement from XX/XX/XXXX showing I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XX/XX/2022
Product: Debt collection

XXXX and XXXX XXXX XXXX says I owe XXXX dollars for lapsed insurance to XXXX. I got a letter from the DMV headquarters here in north Carolina and they told me the policy did not lapse because after my policy with XXXX  ran out, I picked up auto insurance with XXXX XXXX XXXX. I also have XXXX XXXX XXXX XXXX due to XXXX from XXXX XXXX XXXX XXXXXXXX and I would know if I owe this debt or not. if it's not cancelled, I will have to get my state congressman XXXX XXXX XXXX involved in the matter.
Product: Checking or savings account

Hi, so I believed there is a lawsuit against bank of America and all there overdraft fees from a period of time.. I know from maybe what waz XXXX all the way thru XXXX bank of America had change me fees for overdrafts like almost every week or so.. I no have access to my accounts since the bank had closed down all my accounts here recently..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian regarding two Bankruptcies on my consumer report. They have constantly sent notification that they have been verified. I have asked for methods of their verification and they stated that they received verification from the actual court. Please tell me how can they received verification from the court and the courts do not verify or validate information. I have sent them notification regarding the bankruptcy courts and they said that they verified it through Clarity Consumer Reporting who are affiliated with Experian. Upon pulling my Clarity Consumer Report there is no bankruptcy listed on the entire credit file. They are in violation of 15 USC 1681b ( 2 ) I have never given them written permission to furnish any information within my credit file. They are also in violation of 15 U.S. Code 1681 ( b ) regarding the accuracy of the report. I will also be filing a report with the FTC.
Product: Credit reporting or other personal consumer reports

My credit report shows inquiries I dont recognize nor have applied to, and I never gave permission to these companies to access it. I take my rights as a consumer seriously, and protecting my credit is one of the few things that matters to me. My life is already stressful enough without having to deal with this.
Product: Vehicle loan or lease

Subject : Formal Complaint Regarding Lack of Response to Request for Contract/Promissory Note Company : Community Choice Financial Family of Brands dba Instaloan Dear, Consumer Financial Protection Bureau I am writing to formally file a complaint against INSTALOAN located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding their failure to respond to my written request for important documentation related to a transaction I conducted with them On XX/XX/year>, I sent a letter addressed to the General ManageXXXX XXXX XXXX XXXX XXXX XXXX of INSTALOAN requesting a complete and accurate copy of the contract or promissory note for a transaction that occurred on XX/XX/year>. This request was sent certified mail, and I have confirmed that the letter was correspondence or response from INSTALOAN addressing my request. Under Truth in Act 9 15 U.S.C & 1601 consumers have transparency and equitable treatment in financial transactions. 

This lack of communication is unacceptable and has raised further concerns about the transparency and integrity of their operations. The reason for my initial request was due to suspicions of potential discrepancies or fraudulent activity related to the transaction. Obtaining a copy of the original contract or promissory note is crucial for verifying the accuracy of the terms and conditions associated with this transaction. 

I kindly ask for your assistance in resolving this matter. I believe it is essential for businesses to operate transparently and responsibly, especially when handling financial agreements. 
INSTALOAN 's failure to address my concerns in a timely manner is a serious issue that warrants immediate attention. 
Please let me know if any additional information is needed to support my complaint. I look forward to your guidance on the next steps to ensure this matter is resolved promptly. 

Thank you for your time and attention to this matter. 

Sincerely,
Product: Debt collection

I signed up a 6 months commitment with XXXX XXXX. During one of the training sessions, I hurt my knee. Informed the Instructor immediately and seek medical attention. I was ordered by my doctor to cease physical activity and I did. 

The commitment period ended, I paid for all 6 months and called to canceled. They asked me why I was canceling and explained the situation. I was asked for medical documents by I did not feel comfortable sharing my medical information with a stranger. 

XXXX XXXX not only did not cancel my membership, but they auto renewed. I called my bank to cancel the credit card and XXXX XXXX charged my new credit card, without my consent and without me providing the new credit card information. 

the letter they sent states I had to dispute the charge before XX/XX/XXXX nd. I submitted a certified letter dated XX/XX/2022 disputing this debt, requested proof of debt and they First Credit Services failed to present evidence that I owe the debt. 

I am requesting this dispute to be investigated and corrected by removing the derogatory remark from my credit report and reversing this charge that I am not responsible for.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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: Debt collection

I filed a previous complaint against Portfolio Recovery- see case number XXXX. They have now resumed calling me from different numbers again, but this time to a number associated with my primary number. 

Primary number is : ( XXXX ) XXXX and it is associated with the case number provided above.

I have now received at least 3 calls to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX from ( XXXX ) XXXXXXXX XXXX Portfolio Recovery XXXX XXXX XXXX from ( XXXX ) XXXX - Portfolio Recovery XXXX XXXX XXXX from ( XXXX ) XXXX - Portfolio Recovery I have subsequently blocked all of the numbers above. 

I DO NOT have an account with Portfolio Recovery, and they have not mailed or e-mailed anything to me detailing this non-existent debt.
Product: Credit reporting or other personal consumer reports

Please read and don't skip anything in this complaint - On CFPB Case XXXX the following accounts came back VERIFIED AND UPDATED. XXXX Account XXXX, XXXX  Account XXXX, XXXX XXXX XXXXccount XXXX, XXXX Account XXXX, XXXX Account XXXX. The other credit bureau ( XXXX ) WERE NOT able to properly verify these accounts and was required to remove the accounts from my Credit Report. I have the right to a COMPLETE & 100 % ACCURACY credit report per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. How were you able to verify these accounts and you all have access to the same information??? Also, I have attached a invoice of all the laws you fail to comply with ( 15 U.S. Code 1692d : Harassment and abuse, 15 U.S. Code 1692e : False or misleading representations, 15 U.S. Code 1692f : Unfair practices, 15 U.S. Code 1692g : Validation of debts, and XXXX XXXX Code XXXX : Furnishing certain deceptive forms ). You can mail the check to my address that's mention in the invoice. I have uploaded my supporting documents as my proof of these accounts getting deleted off my XXXX Credit Report XXXX XXXX. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

I have had a line of credit dating back to XXXX and I was born on XX/XX/XXXX Ive tried boosting my credit score and even called you guys twice a year to check on the Id theft file I created and all I got back was its under investigation each time.
Product: Credit reporting or other personal consumer reports

Dear Student Aid/FSA I am writing to formally dispute the validity and continued enforcement of the student loan referenced below due to multiple violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of XXXX. Based on these breaches, I request immediate cancellation and discharge of the loan. Violation of FERPA Under FERPA ( 20 U.S.C. 1232g ), my educational records, including any financial aid or student loans information, are protected from unauthorized disclosure. I have reason to believe that my rights under FERPA have been violated in the following manner ( s ) : Unauthorized release of my student loan information without my written consent.

Failure to properly safeguard my educational records, exposing me to unauthorized third parties. 
Misuse of my educational data in processing or reporting of my loan. 
Violation of the Privacy Act of XXXX Additionally, under the Privacy Act of XXXX  ( 5 U.S.C. 552a ), federal agencies and their contracted servicers must protect my personal information and prevent its unauthorized disclosure or use. I have identified the following violations of the Privacy Act : Failure to obtain my express written authorization before sharing or processing my personal information. 
Improper handling and disclosure of my Social Security number and other personally identifiable information ( PII ). 
Inadequate security measures, leading to potential unauthorized access to my loan data. 
Given the gravity of these violations, the improper handling of my private and educational records has directly impacted on the legitimacy and enforceability of this loan. Therefore, I am asserting my right to have this student loan immediately canceled and discharged.

Please provide a written response confirming the cancellation and discharge of this loan within 30 days of receipt of this letter. Failure to comply with this request may result in further legal action, including filing formal complaints with the XXXXXXXX XXXX XXXX XXXX  and the Federal Trade Commission ( FTC ).