23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Family Educational Rights and Privacy Act of 1974 Privacy Act of 1974 ( Schools or educational institutions promised not to give any personal information to any third party which includes credit reporting agencies. 
The social security number belongs to the social security administration and anything purchased with the identifier number is an obligation of the UNITED STATES. 18 U.S.C 8 Any attempt to collect a debt from me is guilty of the False Claims Act ( FCA ) 31 U.S.C 3729
Product: Credit reporting or other personal consumer reports

I disagree with XXXX investigation results. I demand a detailed explanation of the update done on my report on XX/XX/year>. 

As far as i can see on my report nothing has been updated. Also nothing has changed from the errors i see on my report. 

I have a right to demand a detailed description of how they came to the updated conclusion within 15 days of receiving dispute results. 
Please reinvestigate or delete item from my report. 

XXXX XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 12 letters of formal complaints via certified mail to Experian and XXXX regarding the reporting of inquiries on my credit report that are not of factual record. I have discovered that the only permissible purposes for pulling someones credit are : 1 ) A firm offer of personal credit 2 ) Insurance 3 ) Employment 4 ) Court Order
Product: Debt collection

I have been receiving repeated calls from this company called Credence Resource Management regarding a personal matter which they will not disclose. They only wanted me to confirm my personal information to them, which I believe will and can be used for fraud or identity theft.  Since Credence Resource Management called me on a local telephone number, I was under the impression that it was an important call and had to pick up. While picking up several of the calls made by Credence Resource Management on my phone, it had put me at risk of getting into a car accident. Their tactics of using a local number is deceiving and their communication to me is very likely to be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 card

On XX/XX/year>, XX/XX/year> a clients that paid and split their rent for an existing lease frauduelently disputed his payment in the amount of {$730.00} each for rent due in XX/XX/year>. I have an active lease with them. And conversations of proof that the rent was paid legitmately. This has left my paypal balance in the negative {$2100.00} and this is money that is actual charges that this customer owes.
Product: Credit reporting or other personal consumer reports

I am writing this complaint today because on XX/XX/XXXX, I sent XXXX XXXX XXXXXXXX XXXX  a letter formally revoking any, past or present, implied written, verbal, non-written, non-verbal, or assumed right to freely report transactions and experiences on this account to my consumer report. Per the protection of my privacy via The Privacy Act of XXXX.There has been no response and a continuation of reported information for the month of XX/XX/XXXX. 

Event Summary : I received a copy of my official consumer report in the month of XXXX & XXXX. After reviewing all information on the consumer report, this account showed multiple inaccuracies. I then reached out directly to the company to get some clarification on the status of my account and the information given from the furnished was not correctly conveyed across all CRAs reports. The Credit Reporting Agencies are showing inconsistencies with each other and as well as showing Account Status inconsistencies with the furnisher, XXXX XXXX XXXX XXXX XXXX XXXX clearly violating my rights protected under the FCRA XXXX Which, as we know is to ensure the maximum possible accuracy of my consumer report and is the ASSUMED responsibility of the CRAs. Given the sheer number of inaccuracies reported and the impact that continuing to entrust this responsibility of reporting this account, XXXX have a negative impact on my ability to obtain credit in the future. As it is ultimately MY responsibility to ensure that my NPPI, consumer report, and reputation is properly protected and maintained. I wrote a letter on XX/XX/XXXX addressed to XXXX XXXX, giving notice of my right to opt out and instruction on reporting certain nonpublic personal information on my consumer report covered under the privacy act of XXXX. 

My intention is to maintain a working relationship with XXXX XXXX, and All CRAs. However this CAN NOT continue to be tolerated. Under no circumstances should there be this many violations on a public record. All exhibits and evidence are outlined in the attachments of this compliant. 

Thank you very much for prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX on CFPB I asked that accounts on my report be investigated /verified and if the information was incorrect I wanted the accounts removed. 
THE INFORMATION BELOW IS THE QESTIONED INFO : Date of Birth XX/XX/XXXX Name XXXX XXXX XXXX XXXX Investigate the completeness and accuracy of every piece of information if it is not accurate. Please remove it from my credit report. XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if it is not accurate. Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX Investigate the completeness and accuracy of every piece of information if it is not accurate. 
I HAVE ATTACHED MY ID BELOW TO SHOW THE NAME ATTACHED TO THESE ACCOUNTS ARE NOT ME.IVE ATTACHED THE ERRORS IN VERIFIED REPORT BELOW XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I received a credit report from Experian and XXXX I seen an account from XXXX XXXX XXXX. I tried to reach the company per the address being reported on my credit reports via certified mail.. I noticed the address being different on both reports. Two days later I received both letters back being undeliverable Per the fcra they are reporting false information
Product: Money transfer, virtual currency, or money service

On XX/X/17, I noticed that my PayPal account had an access limitation. I could not Withdraw money from PayPal, Send money or payments, andPay using PayPal. I could however Receive money or payments and Refund money to customers. I am a freelance consultant and I had received a payment for about $ 14k for my work. I have also sent payments of $ XXXX to vendors through this account before. It took me over 40mins wait on the phone for someone to help me. I uploaded documents they asked for and they emailed me requesting more information instructing me to go to their website to upload more documents and there 's no option to do that on the website. I had to call in again, waiting another 45mins plus. They finally sent me to the appropriate site to upload these documents. I am a freelance business consultant. I 've had my PayPal account for a while and have only recently started using it because it 's become more popular for clients to pay me remotely. My client paid approximately {$400.00} for this transaction that is in question. They block my account, withheld funds for review but does not answer the phone and take measures to resolve in timely manner. In the meantime, I do n't have access to my funds, they continue to collect revenue coming in and withholding it without paying me interest. Is this legal to withhold a customer 's money during resolution without paying interest for that money. If that is the case, 3rd party payment services like this can make a profitable business out of this activity all day, causing " reviews '' to hold customer 's large deposits without paying interest. I request an investigation on PayPal 's activities with these account holds. What happens to the interest they collect on the funds that belong to customers whose account they have blocked for " review ''?
Product: Credit card or prepaid card

Hello, I recently changed my last name due to marriage. I've tried 3 times to update my name with American Express. I've sent AMEX my new Driver 's License 3 times via www.americanexpress.com/documentcenter. The picture is JPG and is crystal clear. Each time I get a letter from AMEX stating that they can't read it. I'm not sure where the disconnect is, but that is why I have now resorted to the CFPB portal.
Product: Debt collection

Received a call from XXXX with Pheonix Financial Services. He provided me with my last four of social and child 's name. Stated I owe {$460.00} to XXXX XXXX for a ER visit on XX/XX/2015. I informed the man that my child was never seen by XXXX ER on that date and that I have recently spoke with XXXX ER who confirmed I did not owe that amount and was never seen on that date. He responded, " I am not here to argue with you ''. I let him know that I understood but, he is attempting to collect a false debt. He became very rude and told me I just need to pay. I told him I would look into this and if I felt I owe I would call him back he said that is fine you can ask for XXXX at XXXX. A few days after receiving that call I received a letter from them stating I owe {$460.00} with no information included.
Product: Credit card

I applied for a XXXX XXXX XXXX on or about XX/XX/year> under application # XXXX. I currently have a fraud alert on my credit and never received a call from the bank to verify the application prior to denial. 

I have previously filed a complaint with the CFPB on this, wherein the company responded that it needed authorization from me to respond. I contacted Citi and was on the phone with them for 2 hours attempting to get the right person on the phone to provide this authorization to. SHAME on Citi for making me jump through hoops to contact them for an authorization, I already provided it! 

I am hereby authorizing the company to respond, and they can reach me at the phone number listed on my fraud alert if necessary to obtain further authorization. 

Shall Citi wish to not respond to this, I will seek legal action.
Product: Credit card

Credit card PayPal XXXX Mastercard by Synchrony bank one day started to decline my transactions coming from PayPal account. Numerous calls with customer center and on average 3-4 transfers during the call lead to months of issue being unresolved and now the blocked my card in XXXX ( which had no issue before ) and I have to wait for few weeks to get it reactivated. Card itself when swiped also worked no problem. Representatives I spoke too some were not professional and rude and didnt try to help me at all. What happened is someone flagged my card for fraud while I never requested it nor reported any transaction as suspicious or unauthorized. So they flagged my card on a whim and I am stuck with suspended card for no real reason.
Product: Mortgage

I had a Modification on my loan with Chase bank that had something called a balloon. I was told that I would be able to renegotiate this at the end of the term. I tried to refinance and they said I didn't qualify. I tried to modify and they denied that. I am XXXX  and XXXX  XXXX and have difficulty with XXXX XXXX XXXX XXXX. This XXXX is documented. I was told that I would be able to keep making my payment but the bank won't let me so now I have a late payment and they said they would foreclose.
Product: Checking or savings account

Booked XXXX prepaid trips with XXXX XXXX XXXX for XXXX and XXXX, In XX/XX/XXXX they sent out notifications that they were closing and no refunds were available, this affected over XXXX people. Auditors found that XXXX XXXX XXXXXXXX used the funds to purchase XXXX, which was fruadulent. Filed with Bank of America as fraud, denied, refiled. 

Claim # XXXX XX/XX/XXXX Claim # XXXX XX/XX/XXXX XXXX XX/XX/XXXX Claim filed and denied, called to re-open claim XXXX XXXX XXXX
Product: Bank account or service

I called Bank of America customer service on XXXX XXXX, 2016 and was told my wait time would be XXXX to 8 minutes. I was on hold for 25 minutes before I finally gave up and I hung up the phone. The next day ( XXXX XXXX ) I called the same customer service number and again they said it would be XXXX to 8 minutes and I was on hold for over 15 minutes before someone answered the phone. This lack of access and disrespect of customers should be addressed.
Product: Credit reporting or other personal consumer reports

According to the FCRA section 609B and 607B. Inaccurate information is being reported on credit report. Charge off and collections. 1099c was not provided as well.

According to FCRA section 605b items are being reported by a different name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and TransUnion and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and TransUnion reporting me 30, 60 and 120 days late from XXXX to XXXX. There was an error on their part. I was never 30, 60 or 120 days late.
Product: Checking or savings account

This is a general complaint against all banks that offer checking - Checks that are postdated should NOT be accepted prior to the date written on the check. If a check is considered a legal document when it bounces ( check fraud ), then, like all other legal documents, it should not be valid until the date written on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX d/b/a XXXX in XXXX, Texas. I was told by XXXX XXXX the account representative that I should be careful about mileage because " this is a lease and anything over 20,000 miles per year would cost me {$15.00} per mile ''. It even said so in the paper work so I acknowledged that I understood. She mentioned to me that if I wanted to get out of the lease early, all I would have to do is pay {$490.00} early termination fee and turn in the car. OK. I saw that in the contract. No problem.

Fast forward to today. I do a LOT of driving and I was getting close to the 20,000 mile per year limit. So now its time to BUY a car which I can drive freely instead of LEASING a car and having to worry about mileage. 

I went to another car dealer to see about purchasing a car and the dealer called XXXX XXXX of XXXX XXXX XXXX d/b/a XXXX to confirm it would cost me {$490.00} to end the lease. She told them no, it would cost me a whopping {$1900.00} to get out of the lease, even though the lease agreement clearly stated {$490.00} to end the lease and return the car. 

XXXX XXXX XXXX d/b/a XXXX told me something entirely different when I chose to exercise my contractual right to END THE LEASE. XXXX XXXX told me that she is charging me XXXX cents per mile for the miles I have driven on the car since I leased it. 

THAT IS NOWHERE IN THE CONTRACT. There is no mention of a XXXX cent per mile charge. She said she is " being nice '' by charging me these extra fees of {$1900.00} instead of the {$490.00} stated in the contract. 

XXXX XXXX XXXX d/b/a XXXX is in violation of the Fair Debt Collection Practices Act. Their written contract states {$490.00} to end the auto lease and the company representative creates a new story and thousands of dollars in additional fees when I decided to exercise my contractual right to end the lease.
Product: Checking or savings account

I had someone commit check fraud using my informations dummy bank card. I filed several claims either their fraud department, tried to contact them several times about my account, which they closed. They determined that I or someone I knew was using the card, as if I was the one that did that to my own account! Tried to get them to reopen the case, but was also denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian XX/XX/XXXXXXXX  to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries : XXXX XXXX XX/XX/XXXX