23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello I requested a refund from my student loan payment I made XX/XX/XXXX. Which was during the pandemic, so I requested a refund with my federal student loan services Aidvantage XX/XX/XXXXXXXX. I called the every 3 weeks since my initial request and no update besides my balance being updated on XX/XX/XXXXXXXX I keep getting the same response from customer service saying its process buts its been 10 weeks. They said after the balance is reinstated theyll mail the check to my address listed on my Aidvantage account. Can you please expedite the check to my address on my Aidvantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint regarding some incorrect information to these companies on XX/XX/2021. I understand that these companies have 45-60 days to respond. It has been nearly 60 days with no response
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification :. XXXX {$720.00} XX/XX/XXXX. 
XXXX XXXX {$470.00} open XX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

During XXXX a security alert was placed on my account. I've been trying to get this security alert removed from my account because it's preventing me from applying for things.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

On Sunday XX/XX/2022 as I was rushing to an XXXX XXXXXXXX XXXX XXXX ID # XXXX of Amerisave Mortgage corp. 
XXXX XXXX charged my credit card with what I afterwards found out to be a nonrefundable application fee. 
I was not made aware that this was nonrefundable and I told XXXX XXXX I didn't have my reading glasses to see the email he sent me at the time, so he was aware of this being most of the transaction happened while I was driving on speakerphone. 
They assigned a XXXX to help me with the particular house I was trying to buy at XXXXXXXX XXXX XXXX XXXX XXXX XXXX When he wasn't able to get access to the house on XXXX afternoon like he told us he would, that's when we saw this house wasn't going to work out being it was much worse than anticipated. So I told them to cancel it all and we will try again after the holidays. Well that's when XXXX XXXX told me it was nonrefundable and I should have read it in the fine print. I told him I he knows I was driving and didn't have my glasses. It didn't matter, he got me I then called the Amerisave and spoke to XXXX XXXX who after explaining all this said she will forward it to XXXX XXXX and his XXXX XXXX XXXX who denied my refund request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items including unauthorized inquiries be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.
Product: Vehicle loan or lease

XX/XX/

18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  Re : Acct # XXXX  To Whom It May Concern : I AM THE VICTIM OF IDENTITY THEFT This letter is regarding a negative inaccurate account or accounts, which you claim I PURCHASED A CAR FROM YOU?? This is a formal notice that your erroneous claim ( s ) is/are now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My Contact Info is as follows : XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Act. The list of accounts below has VIOLATED my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

( 1 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 2 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 3 ) XXXX XXXX XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 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 instruction 15 U.S.C 1681c ( a ) ( 5 ) 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.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

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 or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. 
I want these items deleted from my credit reports effective immediately. 
I am attaching proof that Equifax has admitted that I was in fact a victim of this date breach and Equifax has done nothing. 
Proof documents attached. 
Please help me delete these illegal accounts from my credit report. 

XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX listed the negative item on my credit report under another name ( XXXX XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.
Product: Mortgage

My mortgage started since XX/XX/XXXX and I have always paid for all Property taxes and Insurance Directly ( No Escrow Account ). Now, in XX/XX/XXXX, I paid for the majority of the Property Taxes, but after I paid then the Mortgage Company ( Ditech Financial LLC ) paid again creating Tax Over Payments. Now Ditech Financial wants me to pay them escrow for {$10000.00} and I only owe taxes for {$2000.00}. I have requested the County Tax Offices to reimburse the tax overpayments, but it takes almost 60 days for them to reimburse. Ditech was informed of this time requirement, but Ditech has placed my account as past due, have charged late fees as well as reporting credit non-compliance to credit bureaus. I have continued paying my regular payment ever since the mortgage started on time, but Ditech has placed these funds as " Funds in Suspense '' without considering them as payments.
Product: Credit card or prepaid card

American Express extended a credit limit of {$7000.00}. I used about {$3800.00} dollars of the credit extended. American Express assessed my credit standing and decided to reduce my credit limit due to a lower credit score than expected. However, they retroactively reduced the limit to an amount beyond the current balance. They reduced the limit to {$3400.00} the day after I last used it. Now I have a negative balance on the account and they are reporting that I exceeded the credit limit. When I used the card the credit limit was {$7000.00}. I did not exceed the limit or use credit that was not extended. The $ XXXX credit limit will seriously impact my credit score and credit report and indicate to other credit companies that I negligently went over the credit limit.That will have a detriment impact on me for future credit transactions. I contacted the company and they refused to restore credit up to the current balance unless I pay {$1600.00} to them. This is an unfair credit transaction and an violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments. 

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

The license number that that claim to have in the state of Florida does not exist. I will be filing a complaint with the Florida attorney general as well for making false claims and providing a false license number.
Product: Debt collection

This was a debt that was placed on my credit report by a third party collection agency without my consent. This debt was invalid and this was moneys never owed to the original creditor and not the collection agency. The contract the original creditor had was invalid. This was a debt that was wrongfully place onto my account by both companies and I am requesting removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, zingo cash, XXXX, XXXX XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX I attempted to open a XXXX XXXX account at CIT Bank ( a division of XXXX XXXX ). I navigated to their website XXXX XXXX XXXX and filled out the required information. I am a US citizen in good standing with all of my other financial institutions. 

Upon completing the very basic online form ( where I provided contact information and SSN ) I received the following response : " Unfortunately, we are unable to open an account for you at this time. Thank you for your recent application to CIT Bank. We regret to inform you that after a through review of your application, we have elected not to open a bank account for you at this time. Thank you for considering CIT Bank. '' No explanation for my rejection was given. I called CIT at the number listed on the rejection page, XXXX. After waiting on hold for 15 minutes the system disconnected me. I called back and this time elected to have them return my call when available. 

I received a call back from the automated system at XXXX XXXX and was quickly connected to a representative, XXXX XXXX Our call lasted 6 minutes, 46 seconds. Below is the summary of our conversation : -I described the problem and asked why my application for a new account was denied -He looked up my application and successfully found the record of my application -He informed me that it was an " auto generated '' rejection and that there was no way to know why I had been rejected by the system -I questioned him on that and informed him refusal to give a reason was likely a violation of the Equal Credit Opportunity Act ( ECOA ) -He stated that " CIT was a big bank and would never do anything illegal '' -He also stated that " this issue has come up many times before and whenever he has tried to elevate it, all he got from management was the same response '' -He informed me that the auto-rejection was unable to be appealed and no explanation was available. 
-He reviewed my application information with me to ensure nothing was entered in error-it was not. 
-I asked if I could reapply. He said yes.

-I ended the conversation and informed him of my intent to file a complaint. 
-Later in the day on XX/XX/XXXX I filled out the form again and received another rejection from the system with no explanation.
Product: Mortgage

When the loan was purchased from XXXX to Freedom Mortgage all contact information was incorrect. Thus I was never notified of the sale. In spite of making on time payments a cascade of various late fees and negative credit reports were issued. Once I was aware of the situation it took months to resolve. Now I 'm being hit with another {$110.00} late fee again even though I had made my XXXX payment on time. Their excuse is that they had adjusted my monthly payment amount an additional {$20.00}, and that they 've waived enough payments for me in the past ( even though those waivers were their fault ). I feel harassed by an agency I have no say in and no recourse to take my business else wheres without paying huge refinancing fees.
Product: Credit reporting or other personal consumer reports

I was notified on my phone that I got a hard inquiry on my credit report from OneMain Financial. I did not apply for a personal loan nor authorize anyone else to apply for loan under my name. So I filed a FTC Identity report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke directly with the consumer reporting agencies on XX/XX/XXXX & XX/XX/XXXX after noticing multiple new inquiries on my consumer reports and was instructed to contact the 'creditors '. After doing so, no accounts were found using my credit card number ( social security card ) but no person was willing to remove the inquiries pursuant to 15 U.S. Code 1681c2, 15 USC 6802, or otherwise. I gave mention of a previous FTC report filed # XXXX and the consumer reporting agency claimed they never received it. 

INQUIRIES : XXXX XXXX ( on XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX ( Equifax ) Because the 'creditors ' received no expressed permission or consent, nor extension of credit from me, the original creditor, and refuse to abide by the laws set out in the Fair Credit Reporting Act, they are now criminally liable per 15 U.S. Code 1611. 

Per 15 U.S. Code 1681c2, the consumer reporting agencies must remove said inquiries in the next 4 days and criminally liable per 15 USC 1611 for denying my request for removal and not upholding the laws of the Fair Credit Reporting Act. 

15 U.S.C 1681 states : " 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. 

An elaborate mechanism ( consumer reporting agencies ) has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Consumer reporting agencies have assumed ( assumed, meaning appointed themselves. They are not a government agency ) a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am submitting this complaint to hold these consumer reporting agencies accountable as my rights to privacy and my reputation as an original creditor and consumer is negatively impacted by these fraudulent inquiries. 

Per 15 U.S. Code 1681a, " the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' Inquires are a transaction and/or experience between a consumer and the person ( or organization ) making the report. Having these inquiries on my consumer report is a violation.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in violation! 
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 XXXX XX/XX/2019, I received a phone call from 'CCC ' ( Continental Credit Control ) regarding a debt to collect from a medical bill which is currently being reviewed and processed by the Department of Labor Worker 's Compensation. This medical bill was due to a work-related injury while performing duty as a XXXX XXXX  XXXX  with the XXXX  XXXX XXXX XXXX. 

The medical bill is already being sent for collection in which I should not receive the medical expenses since it is covered by the federal agency. I have never received a notifcation to pay or an inquiry to collect from the original creditor. This is an unfair debt collection by the original creditor and debt collection agency who use unfair communication tactics by threatening the member if the debt is not paid.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}