23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom It May Concern, I am writing you in regards to CFPB complaint # XXXX. According to United States Code 15 USC 1601. Be advised, Congress is aware that economic stability would be enhanced and the competition for consumer credit transactions would increase throughout financial institutions, which means my credit is needed. The goal of Congress is to ensure that all consumers, such as myself are aware of the proper use of credit and to know how to avoid the uninformed use of credit and to protect consumers against inaccurate and unfair credit billing and credit card practices. XXXX XXXX, I made an uninformed decision to enter into a consumer credit transaction with XXXX XXXX XXXX I made an uninformed decision to enter into an agreement without knowing the meaningful disclosure of the credit terms. Pursuant to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is, a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was given a generic computerized agreement that is given to all consumers who enter a consumer credit transaction, without clear and conspicuous terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision, this debt becomes null and void. I, the consumer and natural person did not receive a printed adequate notice. Pursuant 15 USC 1602k. The adequate notice is to give me the pertinent facts clearly and conspicuously so that I had noticed and understood its meaning. XXXX XXXX XXXX had the choice of printing the notice, giving it to me on each periodic statement, or by other means to assure I was in receipt of the notice and I did not receive either. As a result of deception of this one-sided agreement, your institution shall remove any derogatory remarks. XXXX XXXX XXXX  has already updated the account to a {$0.00} balance after making them aware of initial violation of reporting on my consumer report as a charge off which you all are still in violation of. XXXX 's ( canceled debt ) is defined as XXXX. XXXX does not go on a consumer report. You also stated that you mailed me something but did not verify my accurate mailing address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX there is no other verification needed for my mailing address as I just provided it to you in this complaint. I have also sent this complaint to the attorney general. I expect to hear a response from you all within 15 days. Best Regards, XXXX : XXXX ' XXXX Prejudice. All Natural Inalienable Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The accounts below Violated my rights Federal Protected consumer rights 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. It's also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. information. Other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 [ A7 { 1 ) A person Shall not furnish Any information relating to A consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called for my mother. She doesn't speak XXXX very much, so I called for her. 

During the call, the person wanted her to pay off a debt from 2004 from GE Bank. The woman " XXXX XXXX '' of " XXXX and XXXX '' stated that she represented a " group of lawyers and investors '' ... and then kept asking what would we like to do about it and if we didn't do anything, she would take my mom to court. 

I told her that I would like to settle a resolution, but I wanted to do my due diligence on the company before handing over any of our financial information. So, I started asking questions like who she was, what's her direct phone number, what company does she work for, what is her employee identification number or company identification, what state are they licensed in, what is the attorney 's name ( since she was representing a lawyer ), and what is the website that I can review. 

Besides her " name '' and website, she could not provide me with any information. The website ( XXXX ) was fake and it was created by XXXX ( the social logo was still XXXX ). 

After I kept asking about the information, she became irate and starting yelling telling her that " I'm trying to do you a favor '' while still refusing to answer my questions. 

This company is a fraud from all that I an tell.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX XXXX XXXX XXXX XXXX XXXX ) mortgage company put my account on certified funds when it should not have been. When an account is on certified funds automatic billing is supposed to be removed and stopped. XXXX continued to automatically draft payment in XXXX off 2022, when their policy stated they would no longer automatically draft payments for accounts in certified funds. 
This led to me being put back on certified funds in which i made payments on time via XXXX XXXX XXXX Mail which is next day arrival. 
The late payment for XXXX proof was given that I mailed the check in on time and the post office did not deliver the mail that i paid to have delivered the next day causing this XXXX up. 
XXXX XXXX and Equifax were notified of all of these errors out of my control but still have not adjusted my credit file. These late payments should be removed from that account.
Product: Credit reporting or other personal consumer reports

I filled several disputes with Transunion on removing Fraudulent identity theft inquires from my report. There are 6 l=remaining that I did not authorize. I have included my FTC report that reflects these inquiries as Identity theft XXXX. XXXX XXXX. Guaranteed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Venmo in which I was receiving unemployment benefits ; without notice and explanation froze my account with {$5900.00} in unemployment benefits frozen since XX/XX/2020. I am requesting an investigation and asking the my consumer right are protected and my much needed FEDERAL UNEMPLOYMENT IS RELEASED IMMEDIATELY. THANK YOU XXXX XXXX.
Product: Debt collection

Hello, I have disputed my credit acceptance account multiple times, XXXX has not completed my request at all. This vehicle is not my vehicle and is not on XXXX & XXXX just XXXX. I need this account removed. It's an truck and need it removed.
Product: Money transfer, virtual currency, or money service

XXXX services while sending money once you send funds. Your money is gone. Nothing listed on how to refund it
Product: Bank account or service

my name is XXXX I a citizens bank customer for over XXXX years my cheking acct was over draft las week they charge me 35 dollars wish a unsdentand but 4 days later they charge me 30 dollars more they said because they said my account has no money \for a total or 65 dollars I call the magnager talk them I wasn agree to pay 65 is too much money the said is the bank law, I not agree to pay almost double the amount is not right n. I can use that money for gas or food thanks
Product: Student loan

I have repeatedly sent written contacts to FirstMark to request forbearance. They instructed me to call, but I have difficulty speaking. I have requested an accessible method to apply. I am XXXX and my attorney is in the process of pursuing permanent and total XXXX claim with social security administration. I am in danger of default but can no longer afford the monthly payment. 

Firsrmark applied a forbearance that was less than the allowed 6 month period. I was not given an option to select the timeframe. Subsequently, the loan status entered repayment and FirstMark reported delinquencies to credit bureaus. Although FirstMark is aware of my speech limitations, they do not offer accessible contact options or accessible application support. Instead, I remain in a cycle of writing to request forbearance and application process, only to repeatedly receive email responses that state I must call. 

They have reported derogatory activity on XXXX occasions.
Product: Credit reporting or other personal consumer reports

The following items are on my credit report and is causing me to have issues financially. I would like to have them removed the following are the items. The following address. should be removed from my Equifax report, not my address 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 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 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 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX -Notarize signed letter asking for Method of Verification XXXX A second affidavit was sent and signed asking again for a Method of Verification. My experian report number from XX/XX/XXXX XXXX my report states the XXXX XXXX XXXX balance was XXXX dollars open on XX/XX/XXXX and updates on XX/XX/XXXXXXXX 
That is one of the most recent accounts that are misleading on my credit report and in violation of laws.

Despite two written requests, letters dated and delivered on : XXXX 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 mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? XXXX XXXX  Account was added XX/XX/XXXX and a balance of XXXX  then was CHANGED and went DOWN TO XXXX. HOW was this method verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have my address updated with both TransUnion and XXXX over the course of three years. I've tried to apply for financial assistance with dental and medical but get denied due to the wrong information and reasons will be mailed to me. Once the reason comes in the mail, its due to the wrong address with the credit bureau. Both credit bureaus have told me that the information they have in there system is wrong and will transfer me to a different department who will then verify my information besides my address and state that the issue was fixed but once I check it wasn't and the process begins with me calling again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. It also states that consumer reporting can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report Containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedate the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person should not furnish any information relating to a consumer reporting agency if the person knows or has responsible cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/XXXX I lost access to my XXXX XXXX account. I spent over XXXX hours talking to XXXX different people at Apple and Apple was completely unwilling to help me regain control of that account. During this time, I also spoke with Goldman Sacs to see if the Apple Credit card could be moved to a different Apple account so I could retrieve my statement and pay the card off. The person I spoke with told me that this could not be done and referred me back to Apple to regain control of the XXXXXXXX XXXX account. I asked for the card to be closed and a final statement sent to me at this time along with instructions for mailing in the payment. The rep said he would take care of that.

I have not received a final statement by XXXX and called Goldman Sacs back to confirm the card had been closed and that a statement was being mailed to me. The rep said Goldman did not mail statements and it had to be accessed through the Apple account. He directed me back to Apple. When I inquired that since I can't get the statement and have no way to pay the bill, if Goldman would be waiving the current charges. The rep did not even confirm that the card was closed.

I no longer even have access to get the Card number to provide for this complaint and there is no card number on the Apple Card itself. 

At this point, I don't have a statement, and have no way to access a statement. I also have no way to pay off the card in order to be done with Apple and all things Apple.
Product: Mortgage

I have been awarded assistance from the Homeowners Assistance Fund ( HAF ) and have been trying to get my payment applied to my account. 
They fail to respond as agreed and to upload documents I send on repeat occasion via email, internal message and fax. 
HAF claims payment has been sent XX/XX/22 however Shellpoint Mortgage Servicing keeps giving me the run around saying they haven't received anything all while the foreclosure proceeding continue and fees keep piling up.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/year> regarding my complaint of XXXX XXXX  of debt bondage. all XXXX credit bureaus have neglected my dispute and I am demanding it be reinvestigated. I am a victim and this is unjust as a consumer that I am being treated as such. this is discriminatory and prejudiced. while being on XXXX XXXX XXXX  I have become a victim and this situation is XXXX XXXX  to me and I hate that I have to keep reliving this tragedy with you and disputing this so many times. please remove all negative accounts form my credit report as they are a response of the XXXX. I have attached appropriate documentation ( XXXX XXXX victim determination documentation/Self attestation form ) as well as the documentation I received via mail that claims my request is not valid. The below accounts I am asking you to revisit and remove from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$10000.00} thank you and again, please consider the fact that I am on XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and you are completely ignoring and violating my RIGHTS as a human being. thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C. 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy '' XXXX Experian, and XXXX are consumer reporting agency and I, XXXX XXXX, I am the consumer. I have the Right to make sure my private information isn't shared which is backed by 15 U.S.C. 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer 's non-public personal information. XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX are all financial institutions by definition under this Title. 15 U.S.C. 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and No other : in accordance with the Written instructions of the consumer to whom it relates. '' I can tell you that I never gave XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX any my consent to furnish Any information and the consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely don't have any written consent. Any and All consent to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX whether it be verbal, nonverbal, written, implied, or otherwise is Revoked. 15 U.S.C. 6802 ( b ) ( c ) states the " A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option. '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX never informed me of Any Right to exercise my non-disclosure option. Not only that U.S.C. 1681 ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other that records convictions of crimes which antedates the report by more than seven years. These accounts are not items that are not proper things to be reported, and against the law to be reporting. 15 U.S. Code- 1681s- 2 ( A ) ( 1 ) A states " 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. 15 U.S.C. section 1681 e states, Every consumer agency shall maintain reasonable procedures designated to avoid violations of section 1681 c of this Title and to limit the furnishing of consumer reports to the purpose listed under section 1681 b of this title. XXXX and Experian as well as XXXX are not maintaining reasonable procedures. Also 12 CFR section 1016.7 State that " A consumer may exercise the right to Opt out at any time. I am opting out of there reporting services because they have indeed been furnishing information that is against the law to report.
Product: Credit card or prepaid card

Hello, I have tried on numerous occasions to unlock my online account by calling TD Card Services only to be put on hold for over 10 minutes each time with no CSR answering the call. I am trying to resolve the following : 1. Unlock my account access 2. Redeem my rewards points for cash by sending a check to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by my identify theft alert program, MyIDCare at XXXX, that a XXXX XXXX XXXX XXXX ( " XXXX '' ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in Oklahoma associated with the account. I have never done any business with XXXX I never authorized anyone to take out a loan in my name, and I have never been to Oklahoma. I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX ID Fraud Reference Number of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or two later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that XXXX reported this account as delinquent and it negatively affected my credit score by 104 points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft which has now caused me to have to mail in my taxes with a identity protection pin and there have been multiple accounts that has been opened in my name and i have not given any authorization to open any accounts on my behalf my information was also exposed on the experian and XXXX data breach. The accounts that need to be deleted is XXXX XXXX XXXX XXXX. the total amout they were asking me to pay was {$2300.00} There are 2 accounts that i have not opened and this is causing me a lot of stress i need this information to be deleted from MY CREDIT PROFILE.
Product: Credit reporting or other personal consumer reports

Experion, XXXX, and XXXX credit reporting agencys ' has violated my rights of privacy through a recent data breach ; allowing exposure of my information to computer hackers.
Product: Credit reporting or other personal consumer reports

Within my disputed records the credit agency provided me remains multiple errors and they refuse to correct and or validate them. These errors is preventing me from moving forward. According to th FTC my rights are being trampled on by a private company
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2019 I sent Experian a letter requesting them to provide me with an originally signed consumer contract for 3 inaccurate accounts which do not belong to me from ( 1 ) XXXX, ( 2 ) XXXX   XXXX  XXXX and ( 3 ) XXXX XXXX XXXX.  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Experian is required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts Experian posts on a credit report. On XX/XX/2019 Experian signed the return receipt. Which means Experian is in violation of the Fair Credit Reporting Act because today is XX/XX/2019. On XX/XX/2019 I looked up Experian report # XXXX with dispute results which clearly shows they are continuing to report ( 1 ) unverified account ( XXXX   ) which is against federal law. They have failed to provide me with a signed consumer contract. I have attached a copy of the letter Experian received dated XX/XX/2019, the certified mail receipt dated XX/XX/2019 and the updated Experian credit report # XXXX dated XX/XX/2019 and the USPS tracking showing the letter was delivered on XX/XX/2019.