23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I bought 2 time for items from Online Store name is XXXX, One time was going to return whole thing because i wasnt happy about the merchandise and they said, i will give me refund and keep the items.. ( I don't even remember what I got ). 

And a couple of monthy later I ordered like small kitchen stuffs, phone charging cables, plastice stuffs to use at home and I didn't revice the packages. 

I tried to call or chat XXXX but never success to talk to customer service, so I disputed with my credit company and submitted dispute letter but it went through charged to my account. I talked to serveral times and faxed and sent dispute letter. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX XXXX. I have never heard of this bank or done business with this bank. This item is a result of fraud.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

" Portfolio Recovery '' calls my home at least 10 time s a day. This has been going on since I moved in  XXXX   2015 . They never leave any message to let me know what this is about. I am a 100 %  XXXX  vet and am tired of getting my   XXXX   XXXX   XXXX    to the phone every time they call. This is harassment. I have no idea what this is regarding as they never leave a message, nor have they mailed anything to me.
Product: Debt collection

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 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 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

On XX/XX/2021 I sent a certified letter ( XXXX ) to XXXX XXXX for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with XXXX where the practiced predatory loan practices in the XXXX of XXXX XXXX agreed to remove all loans from consumer credit reports.
Product: Debt collection

I have Self Finanancial inc that i paif off the account is still in my credit. Try to dispute numerous time, asked for the original creditors, no respond.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX/EQUIFA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 6802 ( C ) - ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX the consumer was not given an explanation of how the consumer can exercise that nondisclosure option to opt out of disclosing information to third party non affiliates which is a violation of this law. Your credit bureau is a non affiliate third party and I am opting out of reporting of the accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

There is a discrepancy in my clients account. He had a trial payment for XX/XX/XXXX, XX/XX/XXXXand XX/XX/2011. Then he was issued final modification with first payment due XX/XX/2011. The bank is showing him sixty days 60 late since the beginning of the modification but is due to the fact that according to the agreement no payment was required in XX/XX/XXXX and XX/XX/2011.
Product: Checking or savings account

In XXXX, XXXX I authorized a monthly XXXX debit to my account with Truist Bank for {$80.00} in favor of XXXX XXXX XXXX XXXX XXXX in XXXX, Kentucky. My monthly statements provided by Truist since that date have all shown an ACH debit for {$80.00} to " XXXX XXXX of XXXX '' The last debit to my account was XX/XX/XXXX. The total amount of these debits is {$1600.00}. ( See attachment XXXX ) Approximately XXXX week ago, XXXX XXXX XXXX XXXX in XXXX, Kentucky indicated that it never received any of these monies. I immediately revoked the authorization using the method dictated by Truist. Knowing that I was making a claim that the withdrawals were unauthorized, they charged me {$35.00} for the stop payment. 

A Truist representative indicated that the funds were transferred to an account at XXXX XXXX Bank, but could not identify the account holder. ( According to the financial XXXX of XXXX XXXX of XXXX in XXXX, Kentucky they have never had an account with Fifth Third Bank. ) I called XXXX XXXX Bank and their representative said the funds were deposited into an account for " XXXX XXXX XXXX, XXXX '' which, per their website, " offers payment, e-check processing, XXXX secure, international payment processing, and fraud protection solutions. '' I can not find contact information for XXXX XXXX XXXX so I am at a dead end for resolving the problem without assistance. 

I contacted Truist by phone and made a claim for unauthorized transfers which they dated XX/XX/XXXX. The following day, they sent me a letter indicating that " after careful review '' they are unable to honor all or a portion of my claim in the amount of {$80.00}. ( See attachment 2 ) Again, my claim is for {$1600.00}, the entire amount. However, I understand that the amounts taken in the last 60 days will be refunded to me automatically. 

There was a language barrier in my conversation with the Truist representative. ( My primary language is XXXX. ) That may explain why the written confirmation I received from Truist reciting the nature of my complaint has no resemblance to the actual fact situation I spelled out above. ( See attachment XXXX ) The form I was asked to sign clearly indicates it is for the resolution of ATM/Check Card/Electronic Check/Error Resolution ; Truist already put a " Yes XXXX on my behalf in the line indicating the ATM/Checkcard or checks are " lost. ''
Product: Debt collection

I previously sent this dealership HGREG XXXX XXXX XXXX a cease and desist as well as an Affidavit of Truth on or about XX/XX/2020. I received NO response from this dealership so I am resubmitting this case to them through certified mail, process server and through this CFPB portal. 
HGREG XXXX XXXX XXXX has committed several violations of Federal Law most importantly violating the 15 USC 1601 Truth In Lending Act [ TILA ] by having practices that are inconsistent with the Truth In Lending Act. 
HGREG XXXX XXXX XXXX has communicated with me through text on my work phone ( without my consent ) in an attempt to threaten me and unlawfully seize my property ( Which I have proof of ) AFTER receiving my cease and desist prior to. ( Which I have proof of ). I Notified the agent ( who would not give their name ) not to text me and about my cease and desist order yet they still attempted to harass and threaten to seize my property. I do NOT owe this company ANY alleged debts, HGREG XXXX XXXX XXXX has unlawfully placed a lien on my property that I have already paid for via my credit card ( social security card ) and my open end consumer credit plan. 
HGREG XXXX XXXX XXXX used material misrepresentation to deceive me as a consumer, and intentionally omitted vital information preventing me from ascertaining the true facts of my purchase with this company. 
HGREG XXXX XXXX XXXX engages in practices that are not consistent with the requirements from the 15 USC 1601, Truth In Lending Act, which prevents me as the consumer involved from conducting consumer credit sales/transactions that are equitable to me. I am making a dedicated and detailed record of all HGREG XXXX XXXX XXXX unlawful practices should I need to take further action against them. In the mean time I am enforcing my rights and demanding that they cease and desist these unlawful attempts to threaten, XXXX XXXX XXXX XXXX including attempting to unlawfully seize my property, which is mine by right as a Federally protected consumer and natural person. 
I have also included the XXXX XXXX that was sent a Cease and Desist order due to XXXX of the employees attempts to impersonate an attorney through text in order to defraud me and unlawfully attempt to seize my property.
Product: Credit reporting or other personal consumer reports

I always pay my bills when they are due. I am certain about this. I am unsure why this company reports me as late for some months. According to USC 1666b, any billing mistakes should be corrected and marked as paid on time.
Product: Student loan

Complaint Against XXXX  for Denial of School Misconduct Discharge Application for Private Student Loans Details of the Complaint : XXXX. Background : I am a former student of the XXXX XXXX, which has been widely recognized as having engaged in systemic misconduct, as validated by federal loan discharges granted to borrowers who attended the school. The Department of Education discharged federal student loans for former XXXX XXXX students under the XXXX XXXX to Repayment program due to misrepresentation by the institution regarding employment prospects, career services, and other critical factors. 

Based on these findings, I submitted a School Misconduct Discharge Application to XXXX  for my private student loans, seeking relief based on the same documented misconduct. 

XXXX. Response from XXXX XXXX XXXX  denied my application, stating that I do not meet the requirements for discharge based on misconduct by [ my ] school. This denial is in direct conflict with the established findings by the Department of Education that led to the discharge of federal loans for thousands of former XXXX XXXX students. 

XXXX. Basis for the Complaint : Misalignment with Federal Findings : XXXX  decision is contradictory to the federal findings that resulted in the discharge of federal student loans for XXXX XXXX attendees. If the misconduct by the XXXX XXXX warrants forgiveness for federal loan holders, then it should logically apply to private loan borrowers as well, who were similarly impacted by the institution 's misrepresentations. 

Unfair Treatment of Private Loan Borrowers : By refusing to discharge loans based on the established misconduct by the XXXX XXXX, XXXX  is effectively discriminating against private loan borrowers. Many former students, including myself, relied on private loans as well as federal aid to fund our education, expecting that the XXXX XXXX claims about employment opportunities and career services were accurate and reliable. 

Federal Trade Commission Holder Rule : The Federal Trade Commissions Holder Rule provides protection for consumers against misconduct by lenders if there is evidence of fraudulent activity by the educational institution. As the Department of Educations findings confirm the XXXX XXXX misrepresentations, XXXX  has a responsibility under this rule to offer relief. 

XXXX. Impact of XXXX  Decision : This denial leaves me, along with many other former XXXX XXXX students, burdened by private loan debt that was taken out under false pretenses and based on misleading information provided by the school. 

XXXX  failure to provide discharge exacerbates the financial strain resulting from an education that did not fulfill the promised outcomes.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is emporium and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete it immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, M & T reported to the Credit Bureau that I was 30 days, When discovered I quickly notified M & T of the error however they insisted that it was accurate. I asked M & T to provide me with proof of when I was ever 30 days late, and I even sent a validation letter through certified mail on XX/XX/XXXX requesting for them to validate the late payment inquiry. M & T received the letter however 30 days passed, and M & T never responded. I disputed it with XXXX, and all I received was emails informing me that the creditor confirmed that the late payment was accurate, however, still, no proof was sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Student loan

Navient was supposed to send me documents reguarding the late marked on my credit.They removed them but still have not sent me documents about the removal.I was granted forbearance and deferment from 2008 from Navient.During this process Navient was not allowed to mark my credit late.
Product: Credit card or prepaid card

Opened an Amazon Prime Store Card in or around XXXX or XXXX and selected to receive " Paper Copies '' of my bills to be sent to me via the US mail. I received a few months worth of paper copies of my bill until it then stopped all of a sudden. I confirmed with my wife that she didn't change the physical paper delivery to our home address that we lived in for many years and also contact Synchrony 's customer service to confirm that my account was still setup to receive paper copies of my bills and guess what I found month after month after month after month after month, somehow it was switched to send " ELECTRONIC '' copies of my bills.As the account holder of this card, I never " SELECTED '' or " CHANGED '' this option within my account or verbally or electronically gave anyone permission to make this change on my behalf. So, here we are on XX/XX/XXXX, XXXX contacting Synchrony Bank YET AGAIN to see why I haven't received a paper bill yet again ... of course the very nice customer support rep stated that my account has " PAPERLESS '' billing select once again. Before signing up for this card I read the reviews about it and many many people commented on this issue happening to them. I just passed it off as someone just forgetting to pay their bills until it happened to me repeatedly over and over and over and over again..until today XX/XX/XXXX which I decided to do something about it for once and for all for not just myself but for everyone else who has used this card previous or for anyone who is looking to apply for this card. This bank account practices needs to be investigated and prosecuted for fraudulent accessing people accounts and changing their " BILLING '' delivery options so people 's account become delinquent so they can collect late fee 's and chargers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : ( XXXX ) XXXX XXXX  # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXXXXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX  # XXXX, has violated my rights. 
And ( XXXX ) XXXX XXXX # XXXX, has violated my rights. 

Please note : In the Fair Credit Reporting Act ; 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 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 ; and 15 U.S.C. 1681s-2 ( A ) ( 1 ) States : 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. Therefore, this issue needs to be resolved immediately. Thank you for your assistance in this matter.
Product: Debt collection

Upon reviewing my recent credit report, I identified several accounts that appear fraudulent and were added without my consent.
Product: Mortgage

In XX/XX/XXXX I refinanced a beach cottage that I have owned for 15+ years with Movement Mortgage. When I did so I was surprised they required me to increase my flood insurance ( even though the insurance had been fine for the prior 15 years, even when the mortgage was larger ). The terms were so good with Movement I increased the insurance as they required. I submitted all documents to the processor - XXXX XXXX - he processed them. Closing went reasonably well and the loan was issued ( # XXXX ). Then the issues started : 1 ) A month later ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX stating that I had inadequate flood insurance. They had the original amount not the new increased amount. I forwarded that to XXXX on XX/XX/XXXX and he apologized for the error, said it would be fixed. 2 ) On Saturday XX/XX/XXXX I got a second letter dated XX/XX/XXXX again stating I had inadequate flood insurance. On Monday XX/XX/XXXX I sent this to XXXX again and he again apologized, assured me all would be corrected. 3 ) On Sunday XX/XX/XXXX I got in from a weekend trip to find a letter dated XX/XX/XXXX stating Movement had force placed flood insurance on my home. On Monday XX/XX/XXXX I again send the letter to XXXX with the expectation by XXXX Wednesday XX/XX/XXXX it would be corrected, I would have documentation it was corrected, and any premiums / interest / etc would would be refunded in full or I would escalate. Again he apologized and provided that requested information by Wednesday XX/XX/XXXX XXXX. 4 ) On Tuesday XX/XX/XXXX I received yet another letter dated XX/XX/XXXX stating my home was underinsured for flood insurance and they may force place it on my home.