23daVinci/CFPB_Complaints huggingface dataset:
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 consumers right to privacy. '' Equifax and 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. '' XXXX is XXXX 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. '' XXXX the financial institution and the XXXX reporting agencies Equifax 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 Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. 

Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Payday loan, title loan, personal loan, or advance loan

I need to write a formal complaint about a loan company called Check N Go. I took out a loan to help me get into my first apartment on XXXX XXXX and received a email saying that I was approved for {$1100.00} so I went in store to receive the money to start my moving process for my apartment, I was to pay it all back within 18 months or so so I wouldnt pay too much interest but around XXXX or XX/XX/2023 I lost my job and I called and notified the check n go company that I wouldnt be able to make a payment and they told me they could add it on to the next payment or take a partial payment which ever one would help so I did a partial payment, eventually I did find another job and notified them that the paydays would be different and asked if I could change the day I pay that way it would align with the day I receive my checks so I wouldnt be late I dont remember if they allowed me to do so but I made payments when i could until I couldnt because I got kicked out of my apartment and went to stay with my ex until the situation got too bad for me and I moved to XXXX , I missed payments but made phone calls to the check n go to notify them that I had moved and I wasnt bailing in paying them and around the time I moved late XXXX early XXXX I found a job and received my check which at that point in time I called check n go to make a payment over the phone for {$1000.00} to make up for the missed payments but XXXX who had given me her name kept hanging up on me when I told her I was trying to make said payments and I called multiple times off of my personal cell and my mothers phone and even left a review I only got a response once I left a review which didnt help at all and they had defaulted my account and had sent it to multiple different debt collection agencies who have now been harassing me and threatening me saying that I never tried to make a payment.
Product: Mortgage

Hello, I paid off my home mortgage with US Bank on my home at XXXX XXXX XXXX, VA XXXX in the early fall of 2017. 
I called US Bank Home Mortgage last month and asked them where my final release papers were and they said they were sent to XXXX XXXX NC. I had my neighbor look in the mailbox there but they was not found. I requested they resend them toXXXX XXXX XXXX XXXX. They havent arrived. I request US Bank Home Mortgage to send the original note, mortgage, release documents and statement that my mortgage is paid in full to XXXX XXXX XXXX XXXX, VA XXXX. 
Thank you
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the IRS, when a debt is charged off by a creditor, it means the creditor has given up on attempting to collect the debt and has declared it as a loss for tax purposes. 
When a creditor charges off a debt, they're required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may owe taxes on the charged-off amount, even though I didn't receive any money from the creditor.

Let me be clear, the charge off on my consumer report is/are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of these late payment ( s ) without any further delay!

I would like to remind you that the consumer law ( s ) cited below are not suggestions, but are in fact, legally binding regulations that you are required to follow.

15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states " Any report containing information solely as to transactions and experiences between the consumer and the person making the report.

15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third pares. Financial institutions are required to clearly and conspicuously disclose to the consumer, in wring or in electronic form, that their personal information may be disclosed to third pares. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.

It is clear that the charge off on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress.
Product: Credit reporting or other personal consumer reports

Hard Inquiries : 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  : The following companies I did not go into any contractual agreement with the collection agencies, and has asked for the original contract and neither company provided one. 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 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: Debt collection

I no knowledge of this account, let alone opening account and attending a school, that I clearly didn't attend. I don't no idea, how this institution got ahold of my personal information. I sent the Original Creditor a letter from FTC stating that this account is fraudulent. I called about two weeks ago, regarding this account and if they received the fraud letter, from the FTC. I was told by XXXX XXXX that I would need to send another one in. I even disputed this account with all three bureaus. A week later, I received a notification saying the account was verified by the creditor. I then asked all three bureaus, to provide me with any documents and/or contacts proving that I am responsible for this debt. I haven't received anything yet. XXXX will not allow me to dispute item again, XXXX is reporting this account twice. One as a open account and another in collections. You're my last hope.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$260.00} XXXX - XXXX - {$0.00} INSURANCE XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX/ equifax/ XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX XXXX/ XXXX/ XXXX XXXX on XX/XX/2018 requesting to remove the inaccurate accounts of my credit report. amounts are XXXX XXXX and XXXX.
Product: Vehicle loan or lease

We was going threw this divorce and had no jobs no help my husband left me with it all on me I had XXXX kids no money I had nothing he let it go back he was the one that had job for the car and still hasnt payed one dime in child support so I can pay this off he should be the one with all this on him I get stuck
Product: Checking or savings account

I started a savings account on XX/XX/XXXX at KeyBank located at XXXX XXXX XXXX in XXXX, Maine XXXX. I deposited a {$15000.00} check drawn off another KeyBank account as the starting deposit on XX/XX/XXXX. I asked the clerk to verify funds were available from the deposited check and was assured the funds were available. When the new account was set up I was told only {$100.00} would be available for the 1st day and the remainder would be available the next business day. Today is 6 days later XX/XX/XXXX. I just left KeyBank only to be told my money is not available. The bank told me funds are on hold for 5 business days now. I only need {$2000.00} today and if I do not have funds to make my payment I am charged a {$99.00} late fee from my mortgage company and my payment is considered late. KeyBank made no consideration for this and continued to refuse to allow me access to my funds. I am very upset about this and would like some answers about this. This is a large bank holding my dollars and lets face it they make their money off loaning funds and charging interest. I feel they are holding my funds in a attempt to profit while I suffer the late fees due to them taking my funds hostage. I am requesting the Federal Reserve and FDIC as well as the CFPB audit KeyBank and their suspicious activities. After XXXX XXXX and others we need to police our banks to insure citizens can have trust in the banking system. I have reviewed other complaints on this bank and feel they may be in violation of overstating their deposits thus allowing this bank to extract more funds from the Federal Reserve by means of Fraud.
Product: Mortgage

To Whom It May Concern ; Im writing this complaint in frustration. In XXXX I purchased my home with a 1st and 2nd Mortgage. In XXXX I decided to do a refinance on both loans, but upon the process of doing the refinance, I noticed that the bank wasnt working with me to complete the process. I then took matters in my hand and hired an attorney ( XXXX XXXXXXXX XXXX XXXX ) to see what was going on with the loans. It was a process and nightmare with the 1st Mortgage, but somehow I got it resolved in court in XXXX and Im still current making my payments. The second loan did not get resolved by the attorney, so what they did was they took out a mortgage on the loan and I was paying them {$400.00} a month from XXXX, in confidence believing that everything was ok at the time with the 2nd Mortgage, but basically they took advantage and collected money from the loan. A few years later in XXXX, this Servicer called FCI, claiming that they now own the loan. I then again hired another attorney to look into the problem and currently its not going the right way as it should be, because they are now putting my home up for sale on XX/XX/XXXX without trying to give me an option to do a Modification on the loan. The loan is a lost document and they dont have the original documents. Now they are trying to force action to take my house away from me, if I dont agree to pay the actual amount that is owed for {$65000.00}, plus adding interest for the amount of {$170000.00}. I need to know how this can be right in the hands of the law. I never been into any foreclosure issues before and this is not my fault that the documents were incomplete or lost throughout the years. This is a Zombie loan and after 14yrs, no one ever claims the loan until now. I need to know what to do, because I cant afford for them to take my home, knowing that they committed a fraudulent act on the documents. Im willing to work with them to do the right thing, but they are not willing to do so moving forward knowing what they did is unbearable. They denied doing a Modification. This is pure greed and cruelty to man kind. I need someone's assistance in this matter. How can someone sleep at night knowing what they are doing is wrong. Its all about helping people and not to take advantage of them. Thank you for listening to my complaint.
Product: Debt collection

I am receiving repeated calls from the debt collection company " Indebted ''. I have instructed them NOT to contact, nor attempt to contact me by phone regarding any alleged debt. I instructed them to contact me by US Mail. 

I notified them : - Once via their website message contact page. 

- A second time ( XX/XX/2022 ) by email to their contact email address, after calls continued - A third time ( XX/XX/2022 ) to their email address insisting on cease and desist phone contact, notifying them I would contact the CFPB if contact continued. 

Today, XX/XX/2022, I received yet another attempted phone contact from Indebted with a spoofed Caller ID label, " XXXX XXXX ''. The phone number is a corporate number for XXXX. This company continues to violate the Fair Debt Collection Practices Act despite notifications to cease phone contact.
Product: Bank account or service

I opened up an checking account with Citi in XX/XX/XXXX over the phone to sign up for the {$400.00} promotional offer with code XXXX. The offer requires that I open an account before XX/XX/XXXX then deposit {$15000.00} within 30 days of account opening then wait 90 days before the {$400.00} is deposited. During the phone process, I gave the banker the account information from another bank for them to take the {$15000.00} once Citi is ready. When I finally receive the paperwork including the XXXX verification in the mail, I noticed that my name is mispelled XXXX XXXX instead of XXXX XXXX. I crossed that out and corrected it and also call it in. The person over the phone claimed that Citi will have to resend another XXXX in the mail for me to sign and will send me the revised version to my email. However, I did not know that also got my email incorrect ( XXXXXXXXXXXX instead of XXXXXXXXXXXX ). As a result, I did n't receive my XXXX until 2 weeks later. That in addition to the original 2 weeks to receive the paperwork mean 4 weeks has already passed. As soon as I receive the 2nd XXXX, I called in to ask for a fax number for me to fax in the correct form and also send it in via mail as well. Citi claimed after multi days that they did n't receive my fax so I had to fax it in again. After multiple attempts and multiple calls, Citi finally said that they have my XXXX and confirmed that my account was opened. It took another week or two before the {$15000.00} deposit was made using the original instruction from XX/XX/XXXX. I had to call in multiple times but each time the bankers said that the system should process it when it recognize the account has been confirmed. During these calls, I had asked about my promo status as I know the deposit would not make it in time. The bankers mentioned that it should not be a problem and that they put notations on the account that it was n't my fault and it was due to an incorrect name in the beginning. Since XX/XX/XXXX after it passes 90 days waiting period and with the bonus still not in my account, I have opened up multiple cases with Citi to get the {$400.00} bonus. Each case was rejected by the back office with the standard argument that I did not deposit the money within the 30 days period. The bankers that pick up the phone agreed with me after looking at my notes but all said that they ca n't communicate directly with the back office ( dispute department ) that handles these cases. The bankers thus kept on putting in new cases for me hoping the back office would read the notes and understand that I had no control over the deposit and that it was delayed due to an error by a Citi banker that opened the account for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with an stats of closed I tried to have it removed from my credit report under the fact tht the report is closed but was denied and told it the report was accurate. the report was also opened on XXXX XXXX XXXX this was supposed to be removed after 7years of being on my account this company even went as far to update the collection in XX/XX/ regardless of the fact that it's clearly been past seven years and this account has to be removed from my account.
Product: Credit reporting

I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( Equifax XXXX ). I submitted a police report, FTC report and letter 3 times and they refuse to remove these in violation of section XXXX. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

Here is a list of the Companies and dates of the inquiries : XXXX XX/XX/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 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/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/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 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 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 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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX