23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXXXXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$410.00}
Product: Checking or savings account

I received a message on XX/XX/23 at XXXX stating someone tried to charge my card at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX at XXXX XXXX for XXXX I was at work at the time of this happening in a completely different state. I work for XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and I have my work schedule with a proven timestamp along with my work phone that has remote access granted via IT as well as XXXX. 
I called my bank once I got off work to further dispute the charges and I seen that my money was moved from my savings account over to my checking and it was spent. XXXX charges are made at a XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX for the amount of XXXX  XXXX different times. The first at XXXX, then XXXX, and finally XXXX. I called my bank once they denied the dispute and they never told me why it was denied, they only said they would send me a link to send in the supporting documents to re-open the case that was already denied with the same supporting documents.
Product: Student loan

Navient has been forcing me to make payments on my federal loan during the entirety of the Federal Loan pause.
Product: Credit reporting or other personal consumer reports

I informed transuion of all the accounts that I didn't charge on and for them to remove them I submitted documentation stating I didn't make those charges
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Reports Closed and Negative account that is not related to me. That account is XXXX XXXX. I have never been responsible party for this account and have no knowledge why it only appears on my Transunion report. I am also attaching my XXXX and XXXX   reports which are more accurate than transunion to show that it is a mistake by Transunion which needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the 2 credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the 2 accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XX/XX/XXXX to XX/XX/XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the credit bureaus.
Product: Debt collection

My name is XXXX XXXX and I am writing this letter to complain of the constant harassment I receive from XXXXXXXX XXXX XXXX XXXX 

First, XXXX XXXX XXXX, XXXX recently sued me for this same account and the action was dismissed ( attached ). This case was dismissed by the same creditor and attorney on XX/XX/XXXX. I explained this remained unpaid due to my wife loss of employment and I had to make a decision at that time to pay for rent, food and take care of my children or pay Discover ( please see attached of my wife previous job letting her go ). 

In addition, a garnishment was recently filed in court and signed by XXXX XXXX, XXXX XXXX on XX/XX/XXXX and I was never notified by court ( attached ). However, the documentation was mailed out to me by XXXX XXXX XXXX  and the XXXX XXXXXXXX XXXX on XX/XX/XXXX and didnt actually arrive to me until XX/XX/XXXX which allowed more than two weeks to go by and not providing me with enough time to respond within a proper time frame ( attached are envelopes with postage date of mail out from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX & date letter actually arrived to me ) this failure to proper notify me within a decent time frame providing me with less time to file an appropriate objection to the wage garnishment. 

As mentioned previously, I also never received notice from the court that a wage garnishment was filed in my name. I am entitled to allow sufficient time to file an answer without any malicious intent involved. 

The creditor nor the XXXX, XXXX XXXX followed proper procedure by failing to give me timely notice of the garnishment and therefore I am objecting to this garnishment. 

Moreover, I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX XXXX for failing to follow proper protocol and also for providing paperwork with the wrong index number to intentionally keep me from filing my answer on time. I ask help from CFPB regarding the ongoing harassment I keep receiving from XXXX XXXX XXXX, XXXX over the years and to now for them to file a lawsuit and not properly notify me is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  bankruptcy XXXX XXXX  reference 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 with my written instructions
Product: Debt collection

I'm writing regarding a collection entry from your agency on my credit file. This entry is concerning because : 1. I was not previously informed about this collection.

2. I have serious doubts about the accuracy of the claimed debt.

As per the Fair Debt Collection Practices Act, I formally request : 1. Full validation of the debt in question.

2. Appropriate actions to address this issue.
Product: Credit reporting or other personal consumer reports

I was notified that are info was released accidently by a firm we did business with in the past. I then put a freeze immediately at XXXX and XXXX. Now my last one Equifax says that their system is down try later. I tried fir several days and nothing. Then I starting getting fake robo calls that a code I requested was coming in followed by a code. I hung up on this several times 10 to be exact. To me it seems suspicious that equifaxs system is always down and then I got these calls. I believe that they are scaring consumers so that they will sign up for credit protection services, rather than allowing consumers to freeze their accounts.
Product: Consumer Loan

The installment loan with Ditech Financial was managed for status and paid monthly, via telephone. The representatives communicated the account was in good standing, with no issues ( late payments, or other problems ). The loan was paid in full in compliance to the Ditech process and confirmed approved with letter documenting account paid in full and closed. However, in checking my credit bureau reports, I discovered Ditech reported to XXXX a 60 day late payment status. I submitted an online dispute for investigation and correction. XXXX provided case dispute investigation results, received from Ditech, reporting the account was paid in full, never late, and closed. I contacted Ditech to confirm and was informed the credit bureau reports would be updated for correction. As a follow-up, only XXXX was updated with correct reporting, and XXXX and XXXX XXXX were not updated, and credit score dropped XXXX points. I contacted Ditech, and was informed their reporting would reflect 60 days late. Ditech does not remember responding to the dispute case, so I faxed the case dispute investigation report for their review and comment. Currently, my credit reports are still not updated for paid as agreed, not late. This situation is confusing and I am dissatisfied with Ditech 's denial of the investigation and refusal to correct my credit reports. This is very unfair to me as a consumer, who followed Ditech 's policy in managing my account, monthly, and paid account in full for closure.
Product: Credit reporting or other personal consumer reports

My personal information has been unlawfully used with the following account : XXXX XXXX XXXX As of today XX/XX/year>, only Transunion and XXXX have closed this account after acknowledgement of dispute. XXXX has failed to close or remove this collection after my request. I am requesting this to be removed from all three credit bureaus. I did not grant permission for any bureau to add this collection to my credit report. It must be removed immediately as my rights have been violated. 

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is a request for VALIDATION made pursuant to the above-named Title and Section.

The following laws have been broken : Code 681b- Permissible purposes of consumer reports ,18 U.S. Code 1028A- Aggravated Identity Theft 15 U.S.,15 U.S. Code 6802- Obligations with respect to disclosures of personal information 15 U.S. Code 6801- Protection of non-public personal information 15 U.S. Code 681c-2 Block of information resulting from identity theft 15 U.S. Code 1692g- Validation of debts 15 U.S. Code 1692c- Communication in connection with debt collection If this continues, I will not hesitate in bringing legal action against your company and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
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 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 XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis was hired bt XXXX XXXX to conduct a background check on our company, named below in XXXX. We completed the forms, submitted a lease agreement for a virtual office that makes rooms/offices available for a fee for private meetings that are held with doors closed for privacy. This setup is used by many professionals in the 21st century. Gone are the filing cabinets with rims of files. Cloud-based storage is the norm. 
As the letter/email shows, we were not given the approval nor given the reason why except to state that " a certain aspect of our business '' did not meet their unpublished requirements. 
Further, not knowing what the problem is, we can not correct it. There is an email given, we contacted the company through that and did not hear back. 
Tired of waiting, I called the company where I was told that they can not tell me why we were not approved, and the only thing to do is to re-apply and correct what " I think '' the problem is! 
The direct consequence of this denial : loss of revenue for our company because we can not market XXXX XXXX XXXX   products despite the fact the company itself has appointed me and my insurance Agents. 
We want to know what the reason for the denial is, and how to address it. 
THIS IS THE EMAIL WE RECEIVED ON XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX Thank you for your interest in LexisNexis. Based on our review of your application, we are unable to activate an account for your company. 
Our policy is to provide our business products and services in strict compliance with all applicable laws, rules and regulations, and only to organizations which can provide us with adequate information and assurances concerning their business and their intended use of our products and services. Unfortunately, there is an aspect of your business, and/or our understanding about your intended use of our services, that does not meet our requirements. 
We understand that you may have questions. However, due to internal security policies designed to protect the integrity of our credentialing procedures, we are unable to provide any additional details about the process. 
If you believe we have made an error, please send an email to : XXXX. 
Thank you, LexisNexis Credentialing Center
Product: Student loan

Payments not processing/site not working. I paid on Friday, said my payment would process by the XXXX and it has not. I can't even log into the site to check things and the wait time for a call is XXXX minutes.
Product: Credit card

Citigroup , Inc. ( " Citi '', the " Company '' ) continues to send unrequested and unwelcome advertising and propaganda by mail and email, even though I have informed the Company of my information being registered on XXXX, a site owned by XXXX XXXX XXXX XXXX in compliance with the Fair Credit Reporting Act ( " FCRA '' ). The Company violated in numerable times dispositions that protect consumers of having their information used and shared with affiliates for the purpose of offering propaganda, even after informing the Company NOT to do so, and informing the Company of the opt-out registration, actions contrary to what's stated and protected under FCRA. 

I am humbly requesting this agency to assume jurisdiction on these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4100.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

On XX/XX/2022, I sent your company ( Experian ) a dispute letter ( Tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). The letter I sent you, outlined how you ( Experian ), and the data furnishers involved have violated my rights as a consumer under 15 USC 1681. 

I've requested a complete report of the investigation you've conducted, to which you've reply that I should contact the creditors myself. This CFPB complaint is my second request for the investigation procedure that you ( experian ) used to verify these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below must come off of my credit reports immediately! They do not belong to me. I complained to each bureau, filed an FTC Complaint and I will be filing a lawsuit if these accounts are not removed from my credit profile! By law if the credit bureaus do not have copies of the original signed documents bearing my wet signature then they must remove the accounts from their rosters and cease reporting it because they are either knowingly or unknowingly supporting fraud. 

1 ) XXXX {$6800.00} XX/XX/XXXX 2 ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX 3 ) XXXX   XXXX XXXX {$5300.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$130.00} XX/XX/XXXX 5 )  XXXX XXXX XXXX XXXX {$9700.00} XX/XX/XXXX 6 ) XXXX {$210.00} XXXX 7 ) XXXX/XXXX {$540.00} 8 ) XXXX XXXX {$620.00} XX/XX/XXXX 8 ) XXXX   XXXX XXXX {$1100.00} XX/XX/XXXX
Product: Credit card or prepaid card

Chase offered a {$100.00} cash back bonus for referring a friend to apply and get approved for a credit card. It has been two months since the referral was completed, but I haven't received the reward, despite receiving an automated email congratulating me for the successful referral and noting a bonus is on the way. 

On XXXX XXXX, XXXX, I referred my friend to apply for the Chase Freedom Flex credit card. I shared the link provided by Chase, which offered a {$100.00} cash back bonus. Within an hour, my friend was approved for the Chase Freedom Flex credit card, which he applied for using my referral link. 

On XXXX XXXX, XXXX, I received an automated email from Chase congratulating me for making a successful referral. The email with the subject " Your bonus is on the way, earn up to {$500.00} cash back '' said I earned {$100.00} cash back. 

On XXXX XXXX, XXXX, I contacted Chase to ask about the status of my {$100.00} cash back reward, as I hadn't received it yet. It had been more than one monthly statement ( the noted time in the email ) and about two months since I sent the referral. 

On XXXX XXXX, XXXX, I received a reply from a Chase customer service representative that I was not eligible to receive a referral bonus because my friend did not apply for the same credit card as I had. This is untrue : I also have a Chase Freedom Flex credit card and used Chase 's link to refer my friend who was approved ( and currently uses ) the same credit card.
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 Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit card or prepaid card

I by accident overpaid my bill and have a {$220.00} ( CR ). I 'd like that money back. They have issued in a check to return to me. They just keep it on the bill as a credit.
Product: Mortgage

Middle aged white man, come onto my property, taking pictures and looking around. 
Observed person on property ; Went to front door and asked " how can I help you? '' Middle aged, white man, in blue jeans and baseball hat asked, " from your mortgage company ''. " Who's your mortgage company? '' Person would not identify himself, and in response to my questioning, put a document on my porch and walked away, disgruntled ; saying he was from my mortgage company, but would not say the name of the mortgage company. Instead he questioned me " do you live here? '' " whats your mortgage company? ". 

I began recording on my cell phone and spoke to him further. I wished him health for working for a corporation trying to undermine homeownership. 

He responded with " XXXX XXXX XXXX ''. Repeatedly calling me " XXXX XXXX XXXX '' as he got in his car and drove away. 

Specialized Loan Servicing sent a representative to my house, who then used hate speech, for no apparent reason when confronted by me. 

Corporately supported racism and hate crime targeting a single, XXXX woman.
Product: Vehicle loan or lease

Yesterday, XX/XX/XXXX, I received an email at XXXX XXXX telling me my car was assigned for repossession. The company, American Credit Acceptance, was closed at the time I received the email. I tried calling multiple times today, asking them to give me until Monday, XX/XX/XXXX, to make a payment. They repeatedly refused to schedule a payment arrangement citing that XXXX wouldnt allow it. I asked for a repossession hold while waiting for assistance, and they also denied that. They repeatedly demanded payment from me today and repeatedly said unless I paid them today my car would be repossessed. Then they told me to ask a third party for money to pay for the loan. Of note, I had just made a regular payment 3 weeks ago.
Product: Credit reporting or other personal consumer reports

My personal information was compromised during the Equifax data breach and the XXXX XXXX data security breach. These accounts were listed on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. This a violation of the FCRA privacy rule in 15 U.S.C. 1681 and FCRA subsection 605b. It is illegal to report information on my credit report without my permission. Please remove from my credit report.
Product: Checking or savings account

My wife and I attempted to close our bank account on XX/XX/XXXX. Due to an error, my direct deposit still posted to this bank on XX/XX/XXXX. Instead of rejecting this deposit, the deposit was accepted anyways. After accepting the deposit, the bank paid many different charges instead of showing the account as closed and rejecting the charges ( we were working with these vendors to update payment methods ), resulting in a large loss of funds immediately available funds to us.