23daVinci/CFPB_Complaints huggingface dataset:
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 Account number XXXX XXXX XXXX  XXXX account number XXXX XXXX account number XXXX XXXX  XXXX XXXX account number XXXX 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 was informed that a fraud alert was placed on my credit file from this credit reporting agency. I did not request a fraud alert be placed on my file nor was I notified of this action
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have repeatedly contacted Mohela for status on my borrower defense discharge. I am part of the XXXXXXXX XXXX XXXXXXXX automatic relief group with a schedule c school. No one can or will give me any information. XXXX keeps saying they are waiting on the Dept of Education, but that is not true. Dept of Education sent them the info a long time ago. There has been a standing order for months to discharge the terminal loans for class members. 

I am not the only one waiting on Mohela to do what is required from the court settlement. There are thousands. The other servicers are making progress. Not a single person with Mohela has seen anything happen with their loans. They have been in constant violation of the courts order since the settlement was agreed on in XXXX XXXXXXXX XXXX has repeatedly instructed them to do what is required of the settlement and they are not. 

The most recent excuse is that they are building a new system. Three years into the settlement. Frankly, this is not my problem or the problem of any other class member. If they want a new system for future use, that is their problem. We should not be forced to wait longer on this manufactured delay. It is another stall tactic.
Product: Debt collection

On XX/XX/2019 alone this glad collection company threatened to sue me, if I didn't pay them. I informed them to no longer call me, and any disputes they have to submit in writing with proof the bill belongs to me. They proceeded to call over six times this day alone. Not to mention countless other times this has happened to me. When calling, and asked who they are, this company doesn't reveal anything other than the callers first name, and will not state the company they represent. When you try to inquire about whom they work for, without disclosing your personal self as whom they are calling for, they say, " ok, ( name of person they are calling for ), since we know it's you, this glad collection about debt xyz. '' Then after telling them my personal information hasn't been revealed to them, they proceed revealing private information. When asked not to call the number, every time, for 2 up to 4 days after I receive 6-10 calls from their local and 1-800 numbers a day
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. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : 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

I would like a discharged bankruptcy removed from my report. It had been over 7 years and it is affecting my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect employment posted showing I am or was an attorney and I have never been an attorney. Incorrect personal information listed.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4500.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX XXXX Account # : XXXX XXXX opened XX/XX/XXXX bal. {$390.00}, XXXX XXXX XXXX Account # : XXXX date ooened XX/XX/XXXX bal. {$190.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received on XX/XX/XXXX a repeat bill for a XXXX account that was opened fraudulently, in XXXX, not by me and they were notified to cease in XXXX ... and i notified the collection company to cease and desist, prior to this letter ... about a year ago, I filed a dispute on my credit file and it was removed by Original creditor XXXX, as well as another Collection company.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( 15 U.S.C. XXXX ), XXXX ( 15 U.S.C. XXXX ), and XXXX ( 15 U.S.C. XXXX ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX Basis for Dispute Section XXXX ( 15 U.S.C. XXXX ) requires a prompt investigation of disputed information. I submitted my dispute over XXXX  days ago and have yet to receive an adequate resolution. 
Section XXXX ( 15 U.S.C. XXXX ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section XXXX ( 15 U.S.C. XXXX ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit card or prepaid card

CHASE IS CHARGING ME {$100.00} FOR AN AMAZON PURCHASE FOR ABOUT {$33.00} THAT THEY CLAIM I MADE A COUPLE OF MONTHS AGO ... ... THIS IS A LIE, I ONLY USE GIFT CARDS ON AMAZON ... ... ... ..HEN I GOT THIS SURPRISE STATEMENT A COUPLE OF EEKS AGO THE CHARGE ABOUT {$60.00} ... ... ... ... ..CALLED THEM, DISPUTED THE CHARGE AND THOUGHT IT SETTLED BUT NO GET {$100.00} IN MAIL TODAY ... ... ... ... ... XXXX.THIS IS OUTRAGEOUS ... ... ... ... .NO LONGER TRUST THEM ON THE PHONE AND CAN NOT CONTACT THEM THRU INTERNET ... ... ... ... ... ... .I AM A XXXX ON SMALL INCOME ... ... ... .NEVER HAD CREDIT CARD DEBT. THEY ARE SCAMMING ME ... ... ... ... ... ... ..THINK THEY SAID ORGINAL {$33.00} PURCHASE AS IN XXXX AT AMAZON, NOT BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act This account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, you provided a response to my complaint XXXX ( attached ) wherein you stated that {$27000.00} was returned to XXXX on XX/XX/XXXX. 

That is a lie. After more than three weeks, the funds have not appeared in my XXXX account. I called Capital One customer service, and fraud protection several times and even obtained trace number : XXXX for the transaction. 

Today, Capital One fraud protection informed me that the {$27000.00} transfer never actually happened. She said I should call back in 3-5 business days and perhaps more info would be available then!!!!!! 

You've been lying to me for almost 3 months, and now you lied to the Government. 

Whoever accessed my XXXX account and transferred the {$27000.00} into the Capital One account ( the thief ), had control of that money for about XXXX minutes on XX/XX/XXXX, and then walked away empty handed. 

On XX/XX/XXXX, Capital One knew exactly who the stolen {$27000.00} belonged to, and where it was stolen from, yet here we are almost three months later. You still haven't returned the stolen money, lying to everyone, including the Government, even providing phony trace numbers to substantiate your lies. 

Who's the real thief?!!!
Product: Credit reporting

Social security admidastration/ I have called there XXXX number 3 times, emailed them once, called my local office, Social security has reported to Equifax and XXXX a collection of {$4700.00} They tok my tax refund of {$1500.00} which after calling them they reported it to the credit berues, but they are garnishing my wages and are not reporting this to the credit berues at this point I only owe them {$1200.00}, as I said they are not reporting this and are damagimg my credit,
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.
Product: Checking or savings account

I have a navy federal checking account. Navy federal offers customers the option to deposit cash funds into a coop network ATM being that I do not live close to any navy federal branch. The nearest navy federal branch is at least XXXX hour and XXXX minutes away from my home. I searched the coop network ATM website for the location most convenient to me. Before I deposited funds of {$100.00} into thXXXX XXXX XXXX I called their customer service today, XX/XX/XXXX at XXXX XXXX and the rep confirmed that my cash deposit would be available immediately in my navy federal account. After depositing the cash funds into the ATM, after about 5 minutes I did not see the funds in my navy federal account. I then called navy federal today, XX/XX/XXXX at XXXX XXXX to speak to a rep and a supervisor to inform them that I did not see the deposit and I was then informed that they saw the cash deposit but there was a 5 day business hold placed on the cash funds. I explained that I was informed by the schoolfirst fcu rep that the cash funds were to be available immediately and also that I deposited the funds to have cash available to deal with an emergency situation. I was not made aware that by using a coop network ATM that there was a potential of cash deposited would be placed on hold. This process has been completely misleading, absolutely inconvenient and traumatizing! The reason for ATM cash deposits is so that funds will be available immediately. Not to be placed on hold like a check deposit! Now to be left with absolutely no money in an emergency situation is unacceptable and outrageous! I was not able to retrieve my funds from schoolfirst fcu. There was no resolve and I am left was an emergency situation that leaves me completely distressed! All of these banks are allowed to treat customers any type of way without any consequence.
Product: Credit reporting or other personal consumer reports

This account was paid on XX/XX/year> and it continues to report me as a charge off in the transunion and experian account statement, and the account does not have a number to identify it, which is inaccurate information. This inaccurate information misleadingly manipulates the statute of limitations. This account was not properly investigated and that negligence has violated my rights under 15 US Code 1681i - Procedure in Case of Questioned Accuracy. I demand the deletion of the following account : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I Have established a relationship with Santander bank with a checking account around 2013. I had my belongings which included my wallet stolen from me. All of my personal documents and Cards, Social, and ID was in my wallet. I filed a police report in addition to a dispute with Santander. I recently submitted a request to reopen the investigation with additional proof that I was a victim of identity theft. ( Police report, Affidavits were submitted ) I received a response from Santander stating that they would not honor my request. I am unable to open a bank account or move forward with any banking relationships. I am being victimized and do not feel as if the Banks are taking into consideration my situation and my rights.

I would like for this matter to be addressed. This is my final attempt to resolve this matter before i bring forth any legal action. I
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous and misleading. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX XXXX  Balance : {$8.00}, XXXX XXXX Balance : {$5900.00}, XXXXXXXX XXXX XXXX  Balance : {$23000.00}, XXXX XXXX XXXX  Balance : {$1400.00}, XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  Balance : {$0.00}, XXXX XXXX  Balance : {$0.00},
Product: Consumer Loan

I have recieved 5 calls from XXXX until now, which is XXXX. This is absolutely unacceptable and excessive. Any reasonable person would find this level of calling to be offensive, and illegal. It is impossible to have a job, and answer the continuous level of calls I receive. I am called a minimum of 5 times everyday. This is unacceptable, illegal and these type of tactics should be stopped immediately.
Product: Mortgage

XXXX was my loan servicer and it is now Mr. Cooper. The official Notice of Servicing Transfer letter is dated XX/XX/2017. It indicates the servicing of our mortgage loan ( no dollar amount was listed on the Notice of Servicing Transfer ) was being transferred effective XX/XX/2017. I have a copy of this letter. 

I have read in The XXXX XXXX online that : " ... [ Y ] our old and new servicers must notify you about the transfer of your servicing rights no less than 15 days before the effective date of transfer. If you never received the servicing transfer notice, you can also file a complaint with the CFPB online. '' In our case we did receive notice, but a week or so AFTER it occurred. In my opinion this does not conform to federal regulatory requirements governing the transfer of mortgage loan services from one business to another as I have read and understood them.
Product: Credit card or prepaid card

Gold Delta SkyMiles Credit Card made the following advertisement offer to me : " For a limited time, earn XXXX bonus miles after you spend {$3000.00} or more in purchases with your new Card within the first 4 months of Card Membership. '' I applied for Gold Delta SkyMiles Credit Card in XX/XX/XXXX and American Express approved my application. However I have not received the credit card for which I applied for until XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX I repeatedly called American Express and informed them that I have not received the credit card from them. During each phone call they verified my name and address and promised to sent me a new card, but no cards arrived in my mailbox. Finally, I wrote American Express a letter and informed them that I never received a card from them and several months after I mailed them a letter I finally received their card in XX/XX/XXXX. 

However, the Gold Delta SkyMiles Credit Card was delivered to me more than four months after I was approved for the card and I was not able to make any purchases on the card until I received it. 

Now American Express claims that I am not eligible to receive the XXXX bonus miles since I have not made the required purchases within the first 4 months of card membership. I explained to them that due to their inability to deliver the card to me on time I was not able to make any purchases on my account until XX/XX/XXXX and asked them to extend the period in which I can make the purchases to receive the miles advertised under their offer. American Express representatives I spoke to have not made any attempts to resolve the issue nor were they able to find a person who is able to resolve the issue and call me back. 

I understand that technical issues sometime prevent American Express from fulfilling the promises they make in their advertisements, however the fact that they are not able and/or not willing to correct their errors suggests that it is American Express ' intended practice to delay the issuance of credit cards in order to avoid fulfilling their advertised promises.
Product: Consumer Loan

In XX/XX/XXXX, I received a letter from WELLS FARGO AUTO FINANCE stating they had created a new account number for my auto loan. The vehicle was repossessed in XXXX and subsequently the loan was charged off. I lost my income in XXXX XXXX due to XXXX and no longer able to work at XXXX XXXX. 

They then began reporting BOTH accounts to the credit bureaus showing a balance of {$10000.00}. In XXXX, I disputed with the XXXX and the original account balance was changed to {$0.00}. However, the duplicate account continues to report falsely. This loan was charged-off after the vehicle was repossessed in XXXX.They are reporting inaccurate, false data solely to harm my credit. 

In XXXX, I received a XXXX ( Cancellation of Debt ) and had to file same, as income, with my XXXX taxes. Even the XXXX appears to have errors on it, showing XXXX instead of XXXX ... .and the acct number is different from that appearing on their XXXX letter advising me of a " new '' account number ; for a second account I never authorized or opened. 

Now that have increased the BALANCE reporting to bureaus to {$11000.00} despite showing it as CHARGED-OFF. They also report it as OPEN. I do not, and never did have XXXX auto loans with Wells Fargo. This is 100 % FRAUDULENT reporting! All three major CBRs have documented DISPUTE, but continue to enjoin Wells Fargo in perpetuating this violation of the FDCPA, FCRA, TILA, and Section 166 of U.S. Treasury code 26 CFR 166 ( et al ). 

I am not, nor have I been receiving any statements, as required by law, when interest is being accrued to a loan. This is a violation of Truth in Lending Act. 

WELLS FARGO has wantonly and willfully violated my civil rights, caused me great harm financially, and caused me extensive pain and mental anguish because of their violations and because of their defiance to correct the problems when I disputed them through proper channels.
Product: Vehicle loan or lease

Good evening, I was recently informed of the Servicemember Civil Relief Act as it pertains to Louisiana residents and my current auto loan falls under the jurisdiction of this Act. I have the proper documentation and it has already been emailed to you. Thank you for all of your assistance.