23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted Team Recovery Inc on a matter that pertains to my credit. I have been a victim of fraud. I sent Team Recovery Inc a certified letter via usps to validate the two accounts asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked Team Recovery Inc to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing the accounts from all three credit bureaus ( XXXX, XXXX XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX XXXX and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe XXXX XXXX XXXX You can not because this is not my debt nor do I owe Team XXXX XXXX XXXX. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM XXXX XXXX XXXX NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 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 XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' GOLDMAN SACHS BANK USA is a financial institution by definition under that title. 15 USC 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. '' GOLDMAN SACHS BANK USA the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, GOLDMAN SACHS BANK USA whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( 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 than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 4 FTC reports with an Account and inquiries I did not authorize, Please delete from my Experian credit report
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking to you to verify as accurate : JPMCB CARD XXXX
Product: Credit card or prepaid card

Since XX/XX/XXXX, I have attempted to resolve this issue with interest charges of XXXX months that are not due. This company has continued to give me the run around and keeps pushing the date further and further down the calendar. Now I know why - because they think they can push this issue off on another company- namely XXXX XXXX. Because of their incompetence, they have been fired by XXXX XXXXXXXX, and replaced with XXXX XXXX. I received a letter from XXXX Capital One stating that they are transferring my account on XX/XX/XXXX. Now I understand why Comenity Bank has been stalling for well over XXXX months to get the XXXX months of interest totaling XXXX in a check to me- this was reported to them on XX/XX/XXXX- they have gone way past the XXXX days they are allowed to look into and resolve this problem. They think that by stalling until that date, they can just transfer this problem to another company - a problem that they created and they need to resolve NOW - no more time should pass since they have already had over XXXX months to resolve the problem- but all they do is compound it! I have filed previous complaints with your CFPB and they just keep saying they are working on it. This is working on it - working to get it off their books, and burdening another bank with the problem they created. They sent me a XXXX  check and told me in XXXX that until I cashed that check, they could not send me the XXXX months of interest they incorrectly charged me- I cashed the check XX/XX/XXXX and it is now over a month, but they now tell me that they are still working to resolve the problem, which is a lie, because I have correspondence from them that they already resolved it - they credited my closed account and still refuse to send me the negative balance- which is the XXXX months of interest they owe me.
Product: Credit reporting or other personal consumer reports

I called Equifax Mtg, XXXX, XXXX, Equifax Mortgage Servi , XXXX and left messages for them to return my calls. I have no Idea who they are? I did not give my permission for my credit to be ran and I would like them to be deleted immediately off of my credit report please
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I have attached an Equifax report where Equifax has 2 Hard Inquiries from XXXX XXXX XXXX  showing negatively on my credit history. I have been issued a Credit Card by XXXX XXXX XXXX by my Hard Inquiry [ Item no. 1 ] in XX/XX/XXXX, while other two records of XX/XX/XXXX & XX/XX/XXXX are  showing wrongfully and were Not done by me at all. 

XXXX XXXX XXXX has cleared those two information from their record upon making a phone call to them. Equifax resented to clear them off of my credit record despite my request and also calling several times. Equifax employees were been rude and didn't help to escalate this to proper authority to review this. This is an usual practice by Equifax. They have call centers offshored to other countries and always act arbitrarily without checking with proper protocol or decline even to help settle wrong information containing in credit history for remediation. 

1. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks 2.XXXX  XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks 3.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX At this point I observed Equifax is practicing extreme unfair and also retaining some records that are inaccurate and past the statutory of time record retention guidelines for credit reporting or for proper reflection of some one 's credit report. 

They are always holding wrong address, outdated and information that shouldn't have been in the credit record. Their dispute department do not cooperate to take requests as well. 

I have observed news in Social Media and News of their data breach and other wrongful practice on credit record retention policy from FCRA and other regulatory agencies. 

Please review and reply your course of action toward Equifax malpracticing of credit record publishing to inquiries. 

Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my report has caused undue financial harm to me and my family. 
Please verify and validate all data for this account every notation dates and balances whether reported or not and also I request you give me the name of the person in your company who verified the accuracy of these accounts this is XXXX XXXX! The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with XXXX XXXX. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 
Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking unspecified damages for the harm and delays. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I contacted Chase about a merchant that no longer was authorized to access my account after several back and forth with Chase they provided a provisional credit. 

Ive banked with Chase for several years. Without an issue Chase authorized and paid the merchant several times after several requests that they stop. Weeks later Chase decides to restrict my account with zero explanation causing my direct deposit and other funds i was expecting to be received in a cashiers check in 10 business days they claim. 

Its XXXX week and my children will have no food and no gifts because Chase is exercising an unethical practice and holding my money hostage without information. 

Ive seen that this is a practice Im seeing more and more frequently while doing my research Chase has no right to restrict and close my account without warning and without explanation. I have a family to feed and bills to pay. Now Im left with nothing. Ill be pursuing legal action in the cpfb can not resolve this but Ill stop at nothing to get it resolved. Chase owes me years of banking fees at this rate this is not how you treat loyal customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

So many inquiries I dont know about.
Product: Student loan

I took out loans with sallie mae, now navient starting in XXXX. Since taking out the loans Ive repaid the entire amount in full, but now am being charged thousands of dollars by navient for added on fees that have nothing to do with my loan amount. The company has refused to offer me any kind of payment lower than {$500.00}, which I can not afford to pay at this time due to financial struggle and hardship. My credit is being affected poorly which is causing me issues in every area of my life. These loans have been following me for most of my life and I am struggling to get by. Navient is a predatory lender and i should not be required to pay the amount theyve added on to my account. In XXXX I attempted to get forbearance on my loans, and in XXXX my father paid off the entirety of what was owed.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines CAPITAL ONE ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Mortgage

Previously I was utilizing a lawyer to prevent a foreclosure on my house. As of XXXX XXXX, 2015 I am no longer using legal services. Prior to XXXX XXXX I had requested multiple times to get a lost mitigation package. The person handling my account would not respond. I called and left messages, emailed and faxed many times but I was ignored each time. Several times my husband called and was ignored too. Our circumstance has changed and now we have a little more finances to work with but the mortgage company wont take the time to hear our pleas.
Product: Debt collection

I disputed this account with Systematic Nation Co in XX/XX/2018 when I noticed it on my credit report. I requested the company and the credit bureau to validate the debt to make sure it was legally mine. I have not received any validation of this debt since XX/XX/ 2018 yet they continue to report on my Credit Report.
Product: Mortgage

My mortgage servicing was just transferred to Specialized Loan Services. For my first mortgage payment, XXXX withdrew the payment from my bank account THREE separate times, rather than one. When contacted, they stated that they couldn't return the overpayment ( ~ {$6800.00} ) for fifteen business days despite this causing me severe financial hardship. 

Background - On XX/XX/2022, I set up auto-payment, and I received a notification that automatic payments would start XX/XX/XXXX. Therefore, I set up a manual payment for the date my first payment was due, XX/XX/XXXX. 

On XX/XX/XXXX, XXXX withdrew two payments for a total of {$3400.00}. 
On XX/XX/XXXX, XXXX withdrew a payment of {$3400.00}. 
Also on XX/XX/XXXX, XXXX withdrew a payment of {$3400.00}. 

On XX/XX/2022, I contacted XXXX. They informed me that the auto-draft had " gone into effect earlier than planned ''. In addition, they said that when I set up auto-pay, the system created an additional payment for XXXX since the auto-draft wasn't supposed to be effective until XXXX. This was done without my notification or consent. 

XXXX offered to refund the two incorrectly withdrawn payments, but they said it would take upwards of 15 business days and that it would be mailed as a paper check. This is unacceptable because it means I may be missing {$6800.00} for up to a month.
Product: Credit reporting or other personal consumer reports

Prior rental payment is still being reported on my credit even after I've fully paid the balance. This information is still reporting on my XXXX Credit report and is preventing my daughter and I to approve for housing.
Product: Debt collection

The company TEK-COLLECT INC is trying to collect a debt on behalf of the original creditor XXXX XXXX XXXX unfortunately the company listed above ( XXXX XXXX XXXX ) DOES NOT exist and has went bankrupt in XX/XX/year>. The collection agency TEK-COLLECT INC can not collect a debt on behalf of a company that no longer exists ; the account is nonexistent with XXXX XXXX XXXXXXXX and the debt does not exist.
Product: Debt collection

For the second time this week I have received a Visa Debit card that was fraudulently opened in my name. The first was from XXXX, I managed to get that account closed. The second one is a Cash APP on XX/XX/2021 this card from is Square Inc and also is fraudulent but there is no way to contact them to shut this it down.
Product: Debt collection

I get called every single day from this debt collector. XXXX XXXX XXXX calls my phone from different numbers every single day. I have told them to stop calling. This debt is from my ex-husband 's that he is responsible for since our divorce in XX/XX/2016. I have sent them my divorce decree multiple times but nothing prevails. This is harassment and I am not even responsible for the debt which was purchased from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Accounts name : ( XXXX ) XXXX/XXXX, ( XXXX ) XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX, ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX, ( XXXX XXXX DEP OF ED/XXXX, ( XXXX ) XXXX XXXX XXXX. Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 ITEAMS OF INFORMATION ANY OTHER ADVERSE ITEAM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION 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 CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN THIS COMPLAINT YOU WILL FIND DISPUTES THAT WAS MAIL TO AND RECEIVED BY TRANSUNION ON XXXX. INSTEAD OF TU INITIATING AN INVESTIGATION THEY REPLIED TO ME VIA MAIL WITH THE LETTER ATTACHED STATING THEY THAT THEY DID NOT INITIATE INVESTIGATION. ACCORDING TO THEIR LETTER THEIR REASON WAS THEY DID NOT BELIEVE IT WAS ME. THIS IS AFTER MY DISPUTES CLEARLY IDENTIFIED WHO I WAS ALONG WITH MY VERIFICATION DOCUMENTS. SO THERE IS A CLEAR WILLFUL NON COMPLIANCE IN REGARDS TO 15 USC 1681i. I CALLED AFTER SEEING THEIR RESPONSE LETTER IMMEDIATELY AND WAS TOLD VERBALLY OVER THE PHONE THE DISPUTES WERE NOT STARTED BECAUSE THEY DID NOT KNOW IF I PERSONALLY INITIATED IT. I INFORMED THEM I HANDLE MY OWN DISPUTES AND THAT THEY WERE VIOLATING MY RIGHTS AS A CONSUMER. I INFORMED THEM THAT I WILL BE SENDING IN THE SAME PREVIOUSLY DIS REGARDED DISPUTES AND THERE IS AND SHOULD BE NO QUESTION ON WHO'S SENDING THEM IN GOING FORWARD. TO BE SURE THEY COMPLY I INITIATING THIS DISPUTE COMPLAINT WITH CFPB AS I MOVE FORWARD WITH MY LEGAL PROCESS TO HOLD TRANSUNION ACCOUNTABLE. 
NOW I AM RESUBMITTING MY DISPUTES THROUGH MY PERSONAL CFPB PORTAL SO THERE WILL BE NO QUESTION ON AND ABOUT MY IDENTITY, EVEN THOUGH I CLEARLY VERIFIED MYSELF WITH MY DOCS WHE I MAILED IN DISPUTES THE FIRST TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  XXXX  Account # XXXX and XXXX  XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 purposes.

I demand that the above accounts are to be updated as Never Late.