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

Charged off accounts # XXXX and # XXXX from Navient should be removed from my credit report. The accounts are over 10 years old. I honestly had no idea what I was signing for when I was told by the college to sign up for financial aide. I did not know they were private student loans. There was not full disclosure. Please help me have them removed.
Product: Payday loan, title loan, or personal loan

They keep sending me marketing letters, on XX/XX/2022 I requested them to stop. They said they would, and they have NOT. I get like 4 to 5 letters a week from them, and I am not even qualified.
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. 

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 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: Debt collection

On XX/XX/XXXX, at XXXX XXXX, I received a collections call from Comenity Bank. This is absolutely unacceptable, and is very much an attempt to skirt the law surrounding collections calls before XXXX XXXX  and after XXXX XXXX. In addition to this experience, back in XXXX ( I unfortunately do not recall the exact date ), I had to call and complain regarding a similar problem of excessive calls at inappropriate times. In addition to this problem, Comenity was also not honoring my auto-payment agreement that I had created with them. This happened not once, but THREE DIFFERENT TIMES. Each time I asked what happened, they flat-out lied because each time it was never fixed. I made sure most recently that it was set-up, and they admitted on the recorded line that it was set-up correctly but assured me that this wouldnt happen again and it would be paid automatically on XX/XX/XXXX. This did not happen, and I have now been charged another late fee that seems to have increased from last time. More over I have reason to believe that one of their employees gained access to my information for this card ( it is a Kay credit card ) and used it to purchase mens diamond-gold earrings. I came to this conclusion as the card has not left my home since I received it, and Kay themselves confirmed for me that one of their employees could not have gone in and used my card to place the order, especially since the fraudster sent it to my address as they did not have the ability to change the delivery address. This would only occur if the fraudster only had the limited access that logging in with only the card information provides.
Product: Money transfer, virtual currency, or money service

I am XXXX in the XXXX which is low ranking solider and I was contacted by a " XXXX '' asking me about mypay and that my pay was wrong. He asked me that in order to correct it I needed to send the money to him and that he will fix. I told I felt funny about it and he said that this is the XXXX way and thats how we run things. He claimed that we were going to meet in his office on monday and everything was going to be resolved. Well I followed his instructions and he said he will call me back to follow up and he never called.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior Complain : XXXX 15 US Code 1681i- Procedure of disputed accuracy CRA took 60 days to investigate the disputed items submitted. CRA has 30 days. May be up to additional if I would have submitted new information or documentation which would allow them additional 15 days. That did not happen. Violation by taking 2x the allotted time to investigate. 

The information I disputed and the notice I submitted was not documented that they submitted a notice of dispute within 5 days. That is required. The CRA did not do that. 

Please provide reasonable methods used to verify. Provide the evidence of the reasonable procedures that you used to come to such a conclusion that it was the disputed information was verified. 

Who did you talk to? What is the telephone number of the person you spoke to? What address did you contact? Your procedures for investigation are impartial and fair to preserve the rights of me, the consumer. You have failed a description of the procedure used to determine accuracy and completeness. Any furnisher/lender/creditor must have my signed disclosures that I gave them permission to report. *VIOLATION *Violation of the Gramm-Leach-Bliley Act* 15 US Code 1681i- Procedure of disputed accuracy ( C ) Contents of Notice ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

The CRA failed to outline just that. How was the information I submitted used to verify the disputed items on my credit report? What information did you use to modify my credit report? The information that I sent to you? BC I have the right to privacy and if you obtained any verifiable proof, my permission ( verbal or written ) to report these items in the first place. So how can you verify or modify something that isn't supposed to be listed in the first place? 15 USC 6802 Violation. 

Where is the evidence that I gave permission and consent? Provide evidence that the company has permission to report the disputed items on my credit report. 

If you are in a business transaction with various reporting services, how does this make your investigation fair and impartial? These companies are paying you to report. This is identity theft. I am not part of that business transaction. This is hurting and harming me and my financial powers.
Product: Checking or savings account

XX/XX/XXXX I decided to cancel services with XXXX  ( {$70.00} ). I did receive an email stating that I wont be charged. 

XXXX  months later I realized they were billing me and Chase was paying them. I then file my first complaint with Chase about this. They promise to stop authorizing my payment and reimburse me. XXXX months later. I noticed the same charges, and I contacted chase again to request reimbursement and to stop this transaction. They promise to put a stop on the {$70.00} charge from XXXX. It dont happen. 

Today, XX/XX/XXXX a new charge from XXXX for the amount of {$70.00} is pending. 


I have been affected and was unemployed for about XXXX  months. I am living on few dollars and this charge is making me miss my rent. 

I need help so this does not happen any more to me. I have given them way too many chances. 

I have email record for this claim
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMER CR ACPT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. DPT ED XXXX XXXX {$4500.00} DPTE DXXXX   XXXX {$2100.00} DPTEDXXXX XXXX {$1600.00} DPT ED XXXX {$2100.00}
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., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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 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 or prepaid card

Since XX/XX/2020 my credit card with Citigroup has been a victim of internal fraud, which has cause immense equitable harm and injury. On XXXX, While on a recorded phone call with Citigroup Credit Line Management ; I spoke with a Citigroup agent named : XXXX, with Agent ID # XXXX, this agent confirmed that several payments one for {$250.00}, 2nd for {$510.00} and 3rd for {$490.00}, were made to the account and " Would Not Be Credited '', because Citigroup had the right to not credit the account and remove all funds from the account without authorization for the account owner. I was then instructed that Citigroup was closing the account without warning or reason and not return any of the funds that they have received. Since XX/XX/2020, until this day XX/XX/2020, Citigroup has altered the ledger bookkeeping of the account multiple times and has applied a " Certificate of Deposit for - {$500.00} '' to the account, and still refuse to allow the account owner access to these funds.
Product: Credit reporting

I went to Experian in search of a free credit report, which I have since learned is not available directly through the reporting agency. I registered for a {$1.00} Experian Credit Report on XXXX XXXX, 2016 and was pleased with the result. After receiving XXXX separate marketing emails over the next two weeks, I went to unsubscribe and found that I had an active, recurrent membership at a cost of approximately {$22.00} per month. I immediately cancelled my membership and called customer support to waive the fee, as I did not know I was enrolled in a monthly reporting package. 
Customer support informed me that the {$1.00} report I signed up for included an automatic enrollment in the monthly service ( again, at XXXX the initial cost ) and that I had missed the seven day window to cancel service. When I did go to cancel service, it was both difficult to find and required multiple logins ( in contrast to the registration ). I found that Experian did, in fact, state that I would be enrolled in the Terms & Conditions, but had not highlighted the charges in the initial service I signed up for nor in any of the XXXX subsequent emails. I am fortunate to be in a position to write off a {$22.00} fee as a learning experience, but feel intentionally misled by the {$1.00} upfront cost for what was marketed as a one-time report. While I believe the credit information issued was accurate, it was not clear to me that the report was only an estimate provided by Experian, and not an official report. Based on my experience, I believe Experian 's business practices merit a second look, and that they have engaged in similar predatory behaviors as XXXX and XXXX.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX / XXXX XXXX : Loan # XXXX Property address same as above To Whom It May Concern : This is regarding a bank load ( mortgage ) that when into foreclosure on our residence listed above. We were offered verbally ( and also by letter ) a chance to modify this loan under an agreement of a trial period of three months. I, XXXX, verbally accepted this program immediately ( XXXX XXXX, XXXX ). The three month trial period consisted of paying the amount requested by Capital Bank on time or before the XXXX of the month beginning XX/XX/XXXX through XXXX XXXX, XXXX in the amount of {$730.00}. My husband and I agreed to this and complied with their request. Thus far, we have wired 2 payments on time with the third being due XXXX XXXX, XXXX. In the meantime Capital Bank sent a letter to us stating that there were XXXX liens against the property from The XXXX XXXX XXXX XXXX. The XXXX lien being in XX/XX/XXXX in the amount of {$50.00} and the XXXX lien being in XX/XX/XXXX in the amount of {$2900.00} again from The XXXX XXXX XXXX XXXX XXXX. 
First of all my husband and I were not born as of XX/XX/XXXX and in XX/XX/XXXX we were XXXX year old. 
Capital Bank refers to our residence which did n't exist back in the above dates rather was built in XX/XX/XXXX. 
The property ( XXXX XXXX XXXX, XXXX, New Jersey XXXX ) was left to us via inheritence in XX/XX/XXXX. At that time there were no liens on this property. Furthermore, in XX/XX/XXXX we borrowed {$200000.00} from ING Bank and the liens did not appear at that time either. 
We have been informed that ING Bank was bought by Capital One Bank. 
Capital One has put my husband and I back into foreclosure and is preparing to take our residence away due to these liens. It was not the mortgage we were behind on rather the property tax. The taxes were to be included with our mortgage modification and that is what we are now paying on the mortgage including taxes. 
We have had several hardships in the past three years. First of all, we owned a XXXX family dwelling next door to our property which we collected approximately {$60000.00} in rent a year. Unfortunately, XXXX of the tenants in XX/XX/XXXX started a fire with a faulty electric heater and burned the XXXX-family down to the ground. Since then we have lost our income in rents, and the building. Secondly, I, XXXX XXXX XXXX had a serious fall XX/XX/XXXX and was in XXXX and hospitals to XX/XX/XXXX as I XXXX. XXXX. This put my XXXX on hold for 2 months in which I lost almost 3 months of work recovering. Obviously this made us fall behind financially. My XXXX is a XXXX person office and was closed this length of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The California XXXX XXXX XXXX placed a lien on my bank account on XXXX XXXX, XXXX claiming we owed the state XXXX taxes. This was incorrect, as were were living in Virginia in XXXX. I faxed y XXXX Virginia tax filings to the XXXX XXXX XXXX, they agreed, lifted the lien, and sent me a notice saying the lien had been recorded in error. 

However, my credit report with TransUnion ( and possibly other agencies ) still shows the lien. I called TransUnions " Consumer Relations Department '' at XXXX, but it is only a recording offering to send me a copy of my report, but no option to correct errors.
Product: Debt collection

Midland Credit Management Inc ... has sent fake packages and certified letters to disguise as gifts and then sends threatening letters inside of the packages. They also called my workplace, family members, and my cellphone after I repeatedly told them not to and this will be worked out via letters from the mail or attorneys. They then took it a step further and now have another person calling impersonating the police and law enforcement. This happens on the days the package or mail arrives ( they use tracking numbers ). It is harassing and I have a XXXX XXXX and XXXX documented and causing me XXXX. It has made me XXXX XXXX and now I am in XXXX XXXX XXXX XXXX! I told them I can only afford small payments a month and they said no.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Name XXXX XXXX XXXX Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen with my ID, ss-card, bank card, cash, and more person information. The wallet was sent back to me from XXXX Florida with only the ID and bank cards. I went to the bank and cancel the cards and got replacement. I started receiving calls about collecting a debt ; I thought it was a scam call so I never took it into consideration that it was real. Then I seen on my credit that another XXXX  XXXX card was open and using my address and information. I contact the Credit bureaus and file a dispute and contact XXXX  XXXX and told them my identity was stolen back in XX/XX/XXXX and that I never open the account and they didnt cancel the account they told me to send them the documents I have when I filed the police report and I sent it and they still havent did anything about it. My credit have been effect bad because of the account they have on my account. I even sent them proof that I was working at the time and that I travel for work and I been working since XX/XX/XXXX to XX/XX/XXXX. Can someone please help immediately because Im trying to start a business and I cant with bad credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( A HIPAA-covered entity ) sold my medical information or otherwise violated my health information privacy rights by providing XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX my medical information. 
XXXX XXXX XXXX XXXX deceptively attempted to claim they were in compliance to provide the collection agencies ( CA ) with protected medical information for payment purposes. However, 45 CFR 164.506 ( c ) ( 3 ) a covered entity can pursue payment as long as it is conducted with or within a covered entity. The CA 's provided me list of services provided by XXXX XXXX XXXX XXXX, this is my private personal medical information. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
Product: Credit card or prepaid card

They advertise that I would get 6 months with no interest on any charges over {$250.00} that I make with the XXXX purchase and I have called several times to get this fixed as it is going on for over 45 days and they have not resolved the issue.
Product: Mortgage

Every month since this new company bought our loan from a different company they have been reporting as 30 or more days late. We have called Carrington several times to find out way they are reporting this and they state that we are not late and up to date. They still report as late. They took over at the end of last year. So we call every month and they state we are in good standing. Worst company ever.
Product: Credit reporting or other personal consumer reports

Hello, I noticed some late payments were charged in my account from XXXXXXXX XXXX. I attempted to pay every time on time and I would receive a message telling me it was accepted. A few days later, the payments did not go through, but instead of letting me know immediately, I was sent a notice the next month saying it was late and I had incurred interest. After attempting to pay twice with incurred interest each time, I called the third month I received a message and paid everything using the same bank account and it went through this last time. Now, I see the reports have been sent the credit bureau despite the late payments not being my fault and me receiving no communication that payments were blocked/stopped/or in any way unable to go through after I attempted to complete them and receiving a confirmation message from the store every time. In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.