23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Full address XXXX XXXX XXXX # XXXX XXXX Florida XXXX Full social- XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION XXXX XXXX YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!! 
Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about you

r illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXXXXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXXXXXX XXXX XXXX XXXXXXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to speak to a Human Being at Equifax & I am not able to due to their automated system & with a call back request I still am not able to speak to a human being. In regards to giving them Feedback via their website it is not possible. I need assistance with a Security freeze for my account.
Product: Checking or savings account

I suspect fraudulent activity may have occurred on my account as I do my finances and expect the amount to be in my account and sometimes its the complete opposite or lower than what I expected I want a full investigation to make sure my account was not tampered with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my complaint Experian about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX
Product: Student loan

XXXX from the University of XXXX in XX/XX/XXXX. In XX/XX/XXXX I was diagnosed with a XXXX. Working as a regional airline pilot during time of medical leave we are not paid. During this time I was unable to pay my extremely high student loan payment of {$1000.00} a month. After contacting the lender they offered no assistance with lowering or modifying the payment to become affordable while on medical leave. With this the loan went into a state of past due and has damaged my credit to the point where I can not get approved for other consolidation loans to fix this issue. Wellsfargo also stated that I can not receive a loan modification because my co signer and myself still meet the requirements for a loan with them. However we were recently denied a request for a new consolidation loan with them. Making less than {$20000.00} a year a minimum payment of {$1000.00} should be restricted.
Product: Credit reporting or other personal consumer reports

- These inquiries were not authorized by me, and I did not communicate with this under the specified date
Product: Checking or savings account

Today, I had started a chat after 18 months of attempting to file a complaint against a branch manager at First National Bank, the chat representative began to spam messages over and over stating due to the severity of your issue, please contact XXXX I have contacted this bank for 18 months about a complaint with a very rude and unprofessional branch manager. During this chat, I had asked the rep to please stop spamming messaging over and over, and stated that it was wildly unprofessional of him to do this. His reply back was go ahead and file a complaint against me than, I encourage you to do this and here we are.
Product: Mortgage

My VA home loan has been in a loss mitigation for 2 years. The company, Freedom Mortgage, was still waiting for my previous loan company ( XXXX   XXXX ) to forward the mitigation packet I had begun with them, for 2 months before my suggestion of me resending the packet to them was accepted. After delinquent amounts rose to high levels I could never repay and my VA approved counselor began pushing on her side, a mitigation was approved, my acceptance sent back and loan papers sent out to be returned within 5 days - I received a letter 7 days later saying mitigation denied for lack of papers being returned, maybe I could re-apply!

My VA approved counselor pushed back and found XXXX had left a package on my porch, no signature required and still hve n't found! Another packet sent out, but legal property described therein was for an address in another state! A month and a half later ( with more pushing from my counselor ), a corrected packet was sent but letter received mitigation denied, paperwork never returned - maybe you can apply again!! XXXX had dropped on porch, no signature required and package never found! A new package sent, signed and returned. 
2 months previous, our insurance dropped our home insurance because Freedom told them it was in foreclosure and they couldn't reinsure without approval from Freedom and issued a closeout check. Freedom told me insurance would be figured on new financing and refund was between insurance and me. Insurance said they couldn't take it back because Feedom had closed it! 
So after packet sent in, we received a letter notifying of escrow shortage ( amount of refund sent back! ) and notice of higher expected payments due! As of todays date, still haven't received final loan docs but told that first payment due last week ( a week after final docs sent in! ) was {$170.00} more than our original house payment that we were stuggling to make!!! 
So after 2 years, it appears that my only recourse is to let them have the house - i'm to the point employment-wise that the original payment amount would be do-able, but their efforts did nothing but cement a bad deal.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$550.00XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$270.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ITEM WAS REMOVED FROM MY CREDIT REPORT AND RE-INSERTED BACK ON MY FILE WITHOUT WARNING. PER SECTION 609 AN ITEM IS NOT SUPPOSE TO BE RE-INSERTED WITH WARNING. THIS ACCOUNT THAT THEY ARE REFERRING TO DOES NOT BELONG TO ME.
Product: Credit reporting

XXXX and Equifax refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action.
Product: Debt collection

DEBT AMOUNT : {$1300.00} I want this company ( LVNV FUNDING, LLC ) to provide me the legally required validation of debt listed below : 1.Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX XXXX 2.Proof of my identity 3.Proof that LVNV FUNDING, LLC owns this debt or the Contract giving you power to collect 4.Proof that this debt has not been written off as a tax liability 5.In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did.

I am demanding all of the following resolution in regards to my complaints Deletion from all consumer reports. 
Remove all remarks or comments off my consumer report Cease and rescind use of my intellectual property, my signature
Product: Credit card

Today I filed a complaint against Synchrony bank sams club elite credit card, I have 2 other accounts with them Synchrony for other credit cards and now this evening they have decided to close my Lowes consumer credit card which had never been late and has a XXXX balance. it was also one of my longestg standing accounts, Since synchrony bank holds 3 of my accounts this has damage my credit score severely limiting my credit worthiness after years of excellent payment history, and good credit.
Product: Credit card

In XX/XX/XXXX, I was awarded a new Living Spaces account through Synchrony Bank which was 18 months NO INTEREST. A friend brought my attention to one of his XXXX agreements where they changed ( rather, added ) interest fees to a no-interest promotional purchase at {$2.00} per {$100.00} balance. My agreement had the same note, and said the charges would begin XX/XX/XXXX, and that I could opt out of the new changes but would not be able to make any new purchases on the account. But they've already retroactively charged this fee for the last two months on my account. 
PLUS they have added a {$2.00} paper statement fee to my account when I have opted for electronic communication! This feels like a breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX NJ XXXX DOB XXXX SS XXXX I requested kindly that XXXX   provide legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXXI demand CONTRACT, PROOF OF OWNERSHIP, from this 3rd party collection agency! I have file a police report and FTC Report against this unknown account. I am asking for a contract between myself and XXXX? I hereby request that your company delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt .XXXX  Corporation is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX  company management. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by XXXX  to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Please delete this fraudulent account at once.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I lost my wallet and it had all my information with it in there like my ssn card and my license someone opened a Bank of America account in my name which who I dont bank with just need you guys to put a alert out for me clarifying that Im not opening any accounts thank you
Product: Credit reporting or other personal consumer reports

Experian Fraud Division Special Handling XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XX/XX/XXXX Dear Experian Fraud Department, I am writing to dispute fraudulent accounts and inquiries on my credit report. I have already filed complaints with the FTC and CFPB regarding this matter, and I request the immediate removal of the fraudulent information outlined below. 

Legal Basis for Removal : Under 15 U.S.C. 1681c-2, as a victim of identity theft, I am entitled to have inaccurate and unauthorized information removed from my credit report. 

FTC Complaint # : XXXX  CFPB Complaint # : [ Insert Number ] Fraudulent Collection : Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Account Type : Collection Status : Collection account with {$510.00} past due as of XX/XX/XXXX. 


Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please address these issues promptly. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to CFPB ( XXXX ) and XXXX denied the allegation and were snide in their response as well, I might add. Per XXXX 's letter dated X/XX/2017, 'We respectfully decline to request any changes to the information provided to the credit reporting agencies '. To this I reply, " XXXX, you are not at liberty to decline. It is the law that you delete the information per The Fair Credit Reporting Act and the State Attorney Generals Office of Consumer Affairs, because it is not accurate information as you purport. '' You are not truth telling when you state in your letter that you are reporting in a consistent and accurate manner to the agencies. I have attached, and have hard copies, from the three different credit bureaus to prove that you in fact have been reporting different balances and payment histories to all three agencies, to include wrong/different reporting for the month of XXXX  2017. Ill regardless of my payment arrangement, that I made a payment on today, you must delete the account as I am requesting by law, as you have violated credit reporting laws, and refuse to obey and delete. '' In your letter you mention a {$100.00} difference you credited me in the total remaining balance on my settlement agreement as the reason for the credit agencies having different totals, etc. The difference you are reporting to Transunion and XXXX is a {$2700.00} difference. And the XXXX  difference in comparison to what is being reported to XXXX is $ XXXXYou XXXX , suggest request that I contact the Credit reporting agencies regarding discrepancies. You contradict your earlier statement of, 'XXXX is merely a furnisher of credit information, and not the agency, and has no control of the contents of credit history maintained by the agency. ' You are the original reporter and must request that they delete this inaccurate/inconsistent account from all three agencies. I did not say delete my payment arrangement, I said delete this account off my record as is your responsibility to me the consumer, per fair credit reporting laws.
Product: Debt collection

Following email was sent to XXXX XXXX XXXX on XX/XX/year> : Greetings, I am writing regarding the alleged debt of to the original creditor, XXXX XXXX, in the amount of {$1600.00}. I dispute the validity of this debt and wish to inform you that this debt was previously paid to another collection agency, XXXX XXXX XXXX XXXX. Payment confirmation can be provided once negative reporting from your agency has been removed. 

I do not acknowledge any debt to your agency. Therefore, I am formally requesting : - Cease all collection activities, including phone, email, or any other means of communication, until the debt is validated as unpaid in accordance with my rights under the Fair Debt Collection Practices Act, including verification of the debt, the original creditor 's name and contact information, the original account number, and details outlining how the amount was calculated. 

Additionally, I request, in writing, that you will remove any negative reporting related to this disputed debt from my credit report with all major credit reporting agencies. Once the negative reporting has been removed, I am prepared to provide confirmation of payment made to XXXX XXXX XXXX XXXX. for your records. 
Please respond to this dispute in writing within 30 days from the date of receipt of this letter, XX/XX/year>. If you fail to validate the debt or fail to respond within the given time frame, I will consider the debt invalid and an admission that you can not substantiate the debt. Furthermore, I will consider the matter resolved in my favor. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Money transfer, virtual currency, or money service

PayPal Limited/closed my account for no reason AGAIN! they have already done this 3 times this month and it is severly effecting my business. And will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Product: Mortgage

SPS continues to ignore the real issues of my complaint as described in our attached verified and notarized statement in opposition to their response to our CFPB complaint case XXXX.
Product: Debt collection

I closed my account with XXXX XXXX XXXX internet when I moved out of my apartment. Even though the new tenants were using another XXXX XXXX XXXX account at that address, XXXX XXXX XXXX apparently did not close my account as they said they had and continued to charge me a monthly bill until I noticed and called. The billing immediately stopped at an owed amount of {$300.00}, and I was told I was not responsible for the mistakenly charged amounts. Now, several years later, I received a letter from Diversified Consultants, XXXX stating that they are attempting to collect the fraudulent debt on XXXX XXXX XXXX 's behalf.
Product: Consumer Loan

First I am a retired XXXX XXXX XXXX, I am a XXXX. I have worked XXXX government. Currently I am at XXXX.My wife and I bought a XXXX financed through GM Financial.. In XXXX we requested a release letter to ship our car to XXXX. We have another car that we shipped, financed by XXXX. We shipped this car. GM refused to give us clearance authorization to ship XXXX out of country even though we have afull coverage.insurance through XXXX. GM denied our request. Currently our XXXX is in our garage at our house in XXXX. I have tried many times to get them to authorize shipping car. e are in good standing with payments, we are ahead in payments auto bank draft. Please help