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

Dear Mr or Mrs , My name is XXXX XXXX address is XXXX XXXX XXXX XXXX CA XXXX   SSN # is XXXX I started working to fix my credit on XX/XX/2018 with XX/XX/XXXX, XXXX  and Experian until now XX/XX/2018 still not done yet!! I have become a victim of identity thief as the perpetrator used my name and social security to create bank accounts without my knowledge.

I already done with XXXX.

XXXX still working on it.

But Experian seem like they don't really care about my case. I don't remember how many call i had, who i spoke with and a lot of paper work send to my house. I was stress out.

I ask Experian for my credit report and received a report # XXXX for XX/XX/18 ( this is my second one i requested ) and i pretty sure i went to their website and dispute that account online and called dispute center to told them they need to start an investigate that account because it's not belong to me and they said it ' going to take around 30 days, ok i wait and keep checking my credit report online and today XX/XX/2018 at XXXX XXXX i called dispute center of Experian to ask what happen to the investigation and they said it's going to start today and i need to wait 30 days more. WHAT??? that's mean they did not not do anything to help me resolve my problem at all after i got my second report on XX/XX/2018.

My credit limit was lowered by 80 % and I can not do anything until this case is resolved. I was on the brink of buying a house for my family but due to this, I am forced to withhold the joy for my family. I am holding you responsible for this matter when it could have been dealt with at the beginning.

I willing to work with them to fix it but just let me wait for nothing.

I don't know how is this credit systems work but if Experian does not take that seriously please let me out of their systems because the way they work is hurting me so badly i don't see any benefit at this point.

Who going to help me out with this mess. After wait for 30 days for investigation and another 30 days is coming who going to guaranty with me this is a last 30 days.

Sincerely,
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Money transfer, virtual currency, or money service

I received a card in my name asking me to activate it. The direct deposit set up form was pre populated with my name and banking information that does not belong to me. I called but they wanted personal information to answer my questions. They did close the account. 

Knowing that my health insurance was breached, I have as much protection set up as I can, including a credit freeze. So how was someone able to use my information to set this account up?
Product: Student loan

XX/XX/XXXX - called Aidvantage to request refund of payments made during forebearance. XXXX approval for about {$9500.00}. Told I would receive check in XXXX weeks XX/XX/XXXX - called Aidvantage for update. Refund was processed on XX/XX/XXXX and would take XXXX weeks to receive refund. 
XX/XX/XXXX - called Aidvantage for update. They've done " all they can '' on their end, and now need to wait for government/treasury to cut check. Will not know how long it takes until my balance is updated in their system. From there, will take XXXX weeks to receive a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

( b ) Opt out ( 1 ) In XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I WAS NEVER GIVEN THESE OPTIONS, NOW I WOULD KINDLY REQUEST THAT YOU REMOVE ANY LATE PAYMENTS REPORTED ON MY ACCOUNTS LISTED BELOW : BANK OF AMERICA, N.A.- XXXX ....
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Mortgage

My mortgage company, Flagstar Mortgage, has not paid my hurricane insurance. My insurance was cancelled XX/XX/2020. They withheld the insurance each month and they were supposed to pay it thru the escrow account. They cut the check on XXXX XXXX but it did not arrive according to my insurance company. I was following up with my insurance company since XX/XX/2020 because this has happened in the past with Flagstar. My insurance is still not paid and I have not had hurricane insurance since XX/XX/2020. I have talked to numerous people at Flagstar and they said the check must have been lost and they had to wait to ensure the check did not get cashed before they reissued. Then they said that the check was returned to them and they would have to reissue. Not true! They finally reissued on XX/XX/XXXX but the check has still not reached my insurance company. I had applied approximately two years ago to be able to pay my own insurance as they have messed up the payments before but Flagstar denied my request. So they take my money and don't pay my insurance and my insurance is cancelled. I have spoken to numerous individuals at Flagstar and they are rude and have even hung up on me and they have lied to me. One individual was trying to help me. Her name is XXXX. She was in on several calls that I made to various supervisors and can witness that they were rude and not helpful at all. I am concerned that they have a pattern of taking advantage of veterans and using the escrow funds for other bills and then don't pay the insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit sold their credit holder account to a new company in XXXX of 2020. When this change was made the company erased all my stored reoccurring payment information. The company never sent me any information to notify my payment information was erased or that my payment was unable to be processed. This caused a serious ding on my excellent credit score. I have never been late or delinquent on any payment. 
I have paid the account off in full to avoid any problems with this company and will NOT be using the card again.
Product: Checking or savings account

Dear Sir/Madam, I am reaching out to you to kindly request your assistance on freeing my funds on a SoFi checking account ( ending in XXXX ) that has been holding since XX/XX/year>. 

At the moment my account is restricted, and I am not allowed to transfer my funds or even close the account. SoFi claims that they have decided to close my account for breach of terms of use, and that they will close my account once some " pending actions '' are completed. SoFi refuses to let me know what conditions I breached and what actions are pending ( actions they have to take themselves ). 

The " pending actions '', have been pending for well over 90 days, and still SoFi refuses to tell me what is missing, who is taking charge, or when should this " pending actions '' be completed. SoFi refuses to send me written communication. When I leave a message to the security team they never reach back. 

Attached you can find a complete timeline of the events and a list of evidence that includes, screenshots of my account, emails exchanged, and phone call register with dates and duration of calls. 

At this point is clear that SoFi is engaging in bad faith. Hence, I kindly request your help in recovering my money. I do not mind if they close my account or they leave it open. I just want to have access to my funds to withdraw all the money as soon as possible, as I need it to pay for expenses, and I dont trust SoFi. 

Thank you very much for your time and assistance, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

I sent several certified dispute letters. XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1500.00} this was removed under another name and came back under XXXX XXXX XXXX  I also received emails saying I was part of a Data Breach for Equifax and XXXX I been going back and forth I believe since XX/XX/year> all the way up til XX/XX/year> and still nothing how could you remove something and then bring it under another collection agency or should I say sell. Sent me no validation. I sent out certified letters the first and second letter in regards to the Fair Credit Reporting Act.
Product: Student loan

Navient is my loan servicer. I tried to renew my IBR plan and had to go through several different websites to do so, and then submit paperwork on top of it. They dragged out the process so the loan went into a high dollar repayment even though they had my submissions two weeks before the due date. Now they are saying I am late. Because I am not working, this means going from XXXX to over {$900.00} payment which I can not afford!
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap One Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX have 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

I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report, which I believe violates the Fair Credit Reporting Act 's provisions regarding permissible purposes for furnishing credit reports, specifically as outlined in 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 

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  These inquiries were made without my knowledge or consent, and I do not recall authorizing these to access my credit report. Under the FCRA, consumer reporting agencies are not permitted to furnish personal credit information without a valid permissible purpose. I believe this inquiry was made without a permissible purpose and therefore request its removal from my credit report. 

Please investigate this matter within the statutory period of 30 days as required by the FCRA and confirm in writing to me that this inquiry has been removed.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item 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 this item is being reported correctly? Who verified this item? 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 item 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 THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Bankruptcy XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX I signed up for a Torrid Credit Card to receive a 40 % discount on my purchase. I never received the discount. I never received the card. I have never received an account number. I reached out to Comenity Bank at the beginning of XXXX to find out what was going on. Their system pulled an address I havent lived at in 2 years. At that time I offered to pay the full balance off but needed an account number for my records. They were unable to provide me an account number to an account in my name but still expected me to provide my personal bank account number to an outsourced employee. I requested them to cancel the card I never received and to please provide me the card and a statement to the proper address. I have never received a card for this account. I have not received the account number for this account. The first statement finally comes in XXXX but doesnt have an account number on it. 

I reached out to the bank multiple times between XXXX and XXXX. I have asked multiple times for the organization to fix their errors and reverse fees on top of interest and more fees. I made a good faith payment of my original purchase amount with out ever receiving an account number for my records. I have asked multiple times for them to reverse the interest and fees charged due to their organizations in ability to provide me an account number or card. I have also requested to have this account closed through multiple employees. My last phone call on XXXX XXXX I was told my account was never processed correctly. The representative explained the previous two representatives handled my account incorrectly resulting in the errors. He explained the system will not remove fees for an entire billing cycle. At this time all fees and interest being charged on the account are a result of employee error and system error. The organization is refusing to close the account taking an entire billing cycle that will continue to accrue interest to supposedly fix their errors issue. I only signed up for this account to receive a discount I never received. The organization acted in bad faith and closed my XXXX XXXX account held with the same institution. They still have not closed the Torrid account.
Product: Debt collection

The phone number contacted, the person contacted, was not asked to identify themselves, the person who answered said " I don't believe this. '' and hung up. 
Within 40 seconds, the phone rang again from the same number, so I answered the phone, I began asking questions and when I mentioned the direct violations of both State and Federal violations : Calling more than once per day after having made contact Failure to identify with whom you are speaking with, ie ; " You are XXXX XXXX XXXX? '' " What is your SSN '', when I refused to give that information, I asked " What information can you give to me? " ... as a debt collector, I can refer to an address, the last 4 of a social, date of birth, etc. and then say that I either have the correct person on the phone or vacate the call with an apology. 

Disclosure to an un-known party on the telephone ... who the client is. 

These are all direct violations of all the State and local laws that each and every Americans holds dear and have the right to enforce. 

This company appears to have no training, doesn't follow Federal law and allows their employee 's to break Federal/State law at will, as I was told repeatedly that no laws had been broken without the definite confirmation that " XXXX XXXX '' was speaking to the correct person. There was no Mini-miranda given and he refused to acknowledge any information other than my name, no confirming address, last 4 of the social, date of birth ... .nothing. 

We ended the call with I said it was XXXX in the long form and I was told that I need to rectify my response to him over a bad word. 
I still maintain XXXX because my legal rights, as an American consumer have been violated in the facts that you see above.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is trying to charge me {$25.00} for a fee that is not clear nor valid. It is for {$25.00} and I did not go to XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. This charge is saying that I owe as of XX/XX/year>. I was never XXXX XXXX XXXX 's in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to all 3 companies about eastern account systems collection on my credit report for XXXX. I had requested validation of this account being they claim it is verified. To adhere to my rights as a consumer, I have the right to see how they validated this account with a contract between me and eastern account systems showing I owe them. Still to this day despite three requests of this, each company failed to respond with this proof. 

I had a account with XXXX starting in XX/XX/2013 when I moved to XXXX XXXX. I was not working and had {$500.00} in pa benefits, {$400.00} which went to rent leaving {$100.00} for bills and other needs. My NYSeG bill was in arrears starting XX/XX/2013. This never became current while I had this account. I did not have the funds and relied on heap to help prevent shut offs. Due to this, the law states debt is to not be reported after seven years of first delinquency, this is clearly a 9 year old debt. 

Approximately a year and a half ago I had applied for XXXX in XXXX for this bill owed and was APPROVED for full amount. XXXX was paid by XXXX. 

Which makes this debt invalid due to law of 7 years and it being paid. I do not owe.
Product: Debt collection

On the XXXX XXXX, XXXX, I received another mail from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, representing a debt collection agency, LVNV Funding LLC, in reference to an old, XXXX XXXXXXXX account, from almost two decades ago. The letter did not state or specify an actual amount owed, but threatened to garnish my wages, if I do not respond within 10 days. Not exactly sure if these scoundrels who pose as debt collectors really think that Im some type of ignoramus or a pushover, that will easily cower to their chicanery. Let me make it clear, for the umpteenth time, that I do not owe this debt, and wont fall for their perfidy. Keep digging up old, unsubstantiated accounts, and I will continue to report you to the CFPB, until you become moribund and out of business! Might I also add that I conducted a search, using the docket number XXXX, XXXX XXXXXXXX XXXX XXXX, associated with the account, and turns to be non-existent. A complete sham! The courts website : portal.courts.gov, does not have anything remotely close to this dubious judgement. This is a time-barred account that totally lacks merit, and in all pithiness, null and void. Finally, this is a cease and desist letter adjuring LVNV Funding LLC, its associates and subsidiaries to stop, henceforth, any communication or correspondence, regarding this meritless account or debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states they have free service and then try to charge {$4.00} and create an account. I created an account and paid {$4.00}. Then I am not able to log in and have to call a number. Then I am told I have to pay {$19.00}. I called back and was hung up on. I keep talking to someone overseas and they will not assist unless I pay {$19.00}. The last time the lady disconnected when I told them it was fraudulent. 
Now they have all my information and I am not able to log into myequifax.
Product: Vehicle loan or lease

For 3 years drivetime left the truck in my name and I had to pay taxes on vehicle they repoed