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 Account # 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 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: Student loan

TO : Department of Education RE : 2nd Round Dispute XXXX Grants XXXX XXXX Date : XX/XX/XXXX After raising XXXX kids, working in the XXXX  and XXXX XXXX, I decided to work on my goal of getting a college degree. I pursued a degree in XXXX and currently work as a XXXX in a XXXX XXXX in Idaho. I financed my education through XXXX grants and student loans. In XX/XX/XXXX, I received {$3500.00} in XXXX grants. In XX/XX/XXXX, I received {$2000.00} in XXXX grants. In XX/XX/XXXX, I received {$2000.00} in XXXX grants. In total I received {$7500.00} in XXXX grants. I graduated   from XXXX XXXXXXXX University on XX/XX/XXXX. 
To receive the grants, I participated in the XXXX XXXX XXXX. I read and signed the service obligation agreement. Part 2 of the service obligation states that, I must confirm to my XXXX grant servicer in writing within 120 days after I have completed or otherwise ceased to be enrolled in a program for which I received a XXXX grant that 1. I am employed as a full time XXXX in accordance with the terms and conditions. 
2. I am not yet employed as a full time XXXX, but I intend to meet the terms and conditions of my service obligation as described above in item 1 of this section.

Also, every year requires an annual certification form signed by the school administrator. 
My official graduation date was XX/XX/XXXX. The date to certify should have been XX/XX/XXXX ( 120 days after graduation ). However, somehow the certification date was changed to XX/XX/XXXX. Also, the annual certification date should have been XX/XX/XXXX. On XXXX XXXX XXXX, my XXXX  grants were converted to loans. I questioned this conversion, the timing of it, and wrote a 1st round dispute requesting the newly converted loans be returned to XXXX grants. This request was denied. 
I am requesting a second time that the {$7500.00} in XXXX grants plus interest that was converted to loans be returned to the XXXX  grant status.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date opened XX/XX/2020 Balance : {$2100.00}
Product: Checking or savings account

I am writing a complaint in regards to Capital One failing to deposit my direct deposit from my employer and any other upcoming deposits. Capital One delayed sending any notices to customers until late in the evening with a very vague email stating they are having technical issues. This is absolutely unacceptable and this raises concerns about customer protection laws, I am requesting your assistance in investigating this matter to insure my rights are upheld. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). 

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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: Checking or savings account

I made a recent complain and never received a response. I received a check which I Will Not Cash!! The inappropriate way to try resolve this and they took more than this from me and are trying to tarnish my record. The account is closed but that isnt a reason to not try to resolve this with a {$60.00} check.
Product: Mortgage

The homeowner has been trying to get a loan modification since  XXXX / XXXX / XXXX . Recently I was served a Notice of  Default  on  XXXX   XXXX ,  XXXX . The servicer  XXXX   XXXX  served the  XXXX  Notice. A trustee of Sale is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , Nevada,  XXXX .     I have a change of circumstances and am formally filing an appeal via the CFP B Consumer Finance Protection Bureau. I  am requesting a basis of denial report, as appears that errors in the income and property value were used to base the denial for request for a loan modification. I was denied a loan modification : without an explanation for the denial.     On  XXXX / XXXX / XXXX  A notice  of Default was file d. There is no date of sale set at this time.     Recently on  XXXX   XXXX ,  XXXX  I discovered that the previous lenders,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   : signed consent agreements for mortgage fraud violations, including no just standing. The homeowner has ordered a  XXXX   XXXX   XXXX  on this property and reserves all rights under discovery and possible violations exist in the following :   1. Broken chain of title.
2  . No just standing  3 . Gross fragmentation of the note to  XXXX   XXXX .   The home owners  XXXX  audit produced in  XXXX   XXXX ,  XXXX  : could also show strong evidence of known robo signer participation in  XXXX  documents and more.   The Homeowner alleges the following investor, Master Trustee and servicers ; most likely knew of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include :  Aspen G LLC ,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and of course   XXXX   XXXX   XXXX  .     This CFPB complaint includes :  1 . LACK OF STANDING TO FORECLOSE ;  2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10 . RESCISSION.
Product: Debt collection

This is someone trying to collect a debt that is not going to be paid on nor will I aloud any kind of fraud to happen. This debt collector is collecting a debt that was removed from the credit bureaus due to fraud. They are attempting to now collect on that account that was removed for fraud. I want no contact about this account again. It will not be posted to my credit or I will sue. I already sued another creditor so if you contact me in regards to this I will let my FDCPA attorney know and we will sue you.II want no more harassing phone calls or letters from you. If you try to put this in my credit you will be sued for violating the law. I want nothing to do with you or this fraud account so no more contact at all. 
It started with the XXXX XXXX card I had them removed from my credit reports due to fraud and abuse. This company I just got a letter from and I got tired of dealing with the first premier card. For my loan, we did a three-way with XXXX  and they claimed to not know XXXX. I was approved for a loan. XXXX  asked them for information on the account nothing matched up with them or my records. First, they said I owed them XXXX then XXXX then XXXX then XXXX then XXXX Which XXXX  was on a three-way line with me and my loan company at that time. They are trying to commit fraud to the point XXXX  and XXXX  removed them right away. Lied about a balance owed lied about my information. The credit bureau removed them and put a fraud alert on them due to it.Now this company is claiming a totally different thing XXXX when they claimed only XXXX was owed and refused to correct any of their bogus claims. So please stop the harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing due to non-compliance with Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, XXXX encountered a customer service outage, leaving cardholders unable to manage their accounts or make payments. My account was affected and I was unable to make my payment on XXXX XXXX and thereafter. XXXX Bank later stated on XX/XX/XXXX, that their system update was taking longer than expected, causing disruptions. Despite this, they failed to inform customers beforehand. On XX/XX/XXXX, I received an email regarding a billing statement update, acknowledging the website 's temporary downtime. The email provided alternative payment options. Despite attempts to contact customer service on XX/XX/XXXX and XX/XX/XXXX, no assistance was available, leading to late payments and credit score impact. Although XXXX claimed access restoration on XX/XX/XXXX, ongoing system outages persisted, affecting account access and payment capabilities. On XX/XX/XXXX, XXXX admitted to continued disruptions, contradicting their earlier statement. 

On XX/XX/XXXX, XXXX acknowledged on XXXX that intermittent outages were still affecting its services, without extending late fee waivers or providing further accommodations for affected customers. Despite instructions to use XXXX and telephone channels, I couldn't pay my bill during the outage, resulting in late fees. 
Despite assurances from XXXX Bank that the outage would be brief, I couldn't access my account for weeks, missing the credit card payment deadline. XXXX attempted to ease concerns by waiving late fees for payments due between XX/XX/XXXX and XX/XX/XXXX, and assured that late payments wouldn't impact credit scores, urging the use of XXXX online. 

It wasn't until XX/XX/XXXX, that I regained account access, allowing me to make an immediate payment. However, on XX/XX/XXXX, XXXX XXXX notified me of past due status reported to all three credit bureaus. Despite disputing this, XXXX insisted on the accuracy of their reporting. 

On XX/XX/XXXX, I sought a goodwill adjustment from XXXX, but they failed to acknowledge their error. Instead, on XX/XX/XXXX, they reiterated their obligation to report accurate information under the FCRA. 

Comenity 's actions violate the Fair Debt Collection Practices Act and the Federal Trade Commission Act by providing misleading information and causing substantial harm to my credit report. Their failure to ensure operational payment sites and customer service lines led to significant damage to my credit history. I request an investigation and the correction of payment histories across all three credit bureaus for XX/XX/XXXX, supported by attached evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an answer to Equifax 's request for specifics : To repeat my original complaint with attachments : Through this portal I have filed complaints against Equifax, XXXX, & XXXX. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the " Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/XXXX ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. Specifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ... See items below & attachments with id info mailed with original mailing. 

Equifax XXXX ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX   XXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX not mine
Product: Debt collection

The credit accepted company reported on my credit a XXXX lease from XX/XX/year> That does not belong to me I ask for the company to validate the debt and delete upon findings of a similar name and or fraud
Product: Checking or savings account

Our bank was capital one bank. I usually get my direct deposit early so every Thursday. However, there is a system issue that they are having that is causing their customers not to receive their deposits. I was not notified until Thursday night that this was an issue and apparently it started on Wednesday, XX/XX/year> I have called to try to get some sort of a resolution asking if I could receive even a provisional credit until they get the system figured out due to the fact that I always get direct deposit every two weeks. According to the representative that I spoke with in customer service, they do not have that in place and thats not set up at this time theyre still working on it, and it should be fixed or may be fixed by the end of the of the day if I occur any fees with other merchants, thats trying to debit my account let them know and they will compensate for those fees. The fact that they dont have anything set up for a situation like this is outrageous. Im not sure why a provisional credit can not be provided until a direct deposit is in the account which they will be receiving because thats where my check goes every two weeks and they have a history of it for the past 4 to 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with the Fair Credit Reporting Act. Equifax, XXXX XXXX, XXXX, has violating 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 consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains personal information about a consumer, unless the consumer consents to the furnishing of the report.
Product: Debt collection

AFTER REVIEWING MY CREDIT I HAVE NOTICE A COLLECTION ACCOUNT POP ON MY CREDIT. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU DO NOT CEASE COMMUNICATION A LAWSUIT WILL BE COMMENCED AGAINST YOU. THE COLLECTION- ( FAIR COLLECTION & OUT ) XXXX DELETE FROM XXXX, XXXX AND EQUIFAX
Product: Payday loan, title loan, or personal loan

I was contacted by an contractor representing XXXX XXXX XXXX 2yrs that the loan was not paid I made arrangement to make the payment and I did. And then 2yrs later someone else contacted me about not paying the same debt so i paid again and every 2yr someone keep trying to collect on the same debt. After the second time however I kept my payoff documentation I tried contacting the company about it but they said they don't have it on file.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have become a victim of identity theft and have reported the incident. It is crucial to address this matter promptly, as it has negatively affected my financial well-being and personal reputation. I kindly request your assistance in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent issue is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a Victim of Identity Theft and on XX/XX/XXXX, I became aware of multiple accounts opened in my name without my knowledge and/or authorization, after multiple disputes with the Consumer Agencies, on XXXX, XXXX, I went to file an Identity Theft Police Report and after several disputes, I was able to remove most of them, unfortunately, TransUnion still remains the following account XXXX XXXX XXXXXXXX on my Consumer Report and this is a formal notification that TransUnion is in violation of multiple provisions under the FCRA, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 

I have experienced significant emotional distress due to this matter, and it has severely impacted my mental well-being. Therefore, I feel compelled to escalate this issue and request a fair and equitable resolution.
Product: Debt collection

After carefully reviewing my credit report, I noticed a closed Capital One account that was not mine. I contacted all three credit bureaus requesting for them to remove the account. I expressed that my credit report must be accurate, verifiable, and reporting timely. They responded that Capital One sent proof that the debt was mine. I asked the credit bureaus what the document stated they responded that they could not tell me. I then sent a letter to Capital One requesting debt validation. I asked them to provide legal proof that I have done business with them such, as a signed contract. Capital One did not respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

MY IDENTITY HAS BEEN COMNPRIMSED AND STOLEN. PLEASE REMOVE ALL NEGATIVE AND UNAUTHORIZED ACCOUNTS AND BALANCES FROM MY CONSUMER PROFILE PLEASE
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX