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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15 USC 1681 section 602 A. states i have the right to privacy.

*15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

*15 USC 1681c ( a ) ( 5 ) section states : No consumer report 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 ( 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 card

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. 

Please remove immediately the following accounts : Capital One XXXX  XXXX I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Sincerely XXXX XXXX
Product: Mortgage

This complaint describes the determining the origination of identity theft, talking with Chase and not receiving a resolution. 
In XXXX 2016 I a responded to a direct mail refinance offer from Chase. I called XXXX and spoke to XXXX XXXX XXXX XXXX # XXXX. I gave XXXX XXXX all of my personal information over the phone, incl., SS number. Following, I was requested a credit card number to place a {$500.00} good faith deposit. I used a XXXX XXXX, which was an updated card issued the previous month, with a new XXXX digit back code. 
By XXXX XXXX, all of my personal information and the credit card number were stolen with an attempt to hijack this XXXX account with a name/address of XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, email : XXXXXXXXXXXX, phone : XXXX. None of my other current credit card accounts has had a hijack attempt, only this XXXX which was used at Chase with all of my personal information. 
Soon after, XXXX conducted an investigation and determined the fraud did not originate internally but was called in and had the recording of the conversation of the hijack. 
Using my personal information, the thieves have attempted to open additional XXXX accounts at XXXX and at Chase. I have had to purchase XXXX protection to alert me of these on-going threats. 
On XXXX XXXX I spoke to XXXX XXXX from Chase fraud dept. XXXX x XXXX. I explained the entire matter and was told an investigation would be done. I never received a follow-up. 
It is my opinion and conclusion that identity theft originated at Chase Home Finance, whether it was a hack, or some other breach, possibly by someone in their IT department, as none of my personal information along with my new XXXX card ever appeared in one place together. In the 40 years of possessing credit, I have never had any breach of any kind, nor any credit card theft ever. The fact that this identity theft occurred in less than two weeks after providing my personal information to Chase strongly indicates the source of the theft.
Product: Checking or savings account

I tried to change my password and they said they can't do it then my email is no longer on the account and got removed and without my permission they also refuse to let me change my password until I know the exact approval of a transaction and exact amount and they keep saying they can't let me in my account just to change a password
Product: Debt collection

I am filing this complaint because my rights as a consumer have been violated under the FCRA because I have not heard anything from this company in 90 days regarding my disputes and I have sent two dispute letters requesting a debt validation to CREDIT BUREAU SYSTEMS COL PADUCAH
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instruction.
Product: Debt collection

An auto debt ( repossession ) was recently deleted in XX/XX/2021 from the credit bureaus with XXXX  and XXXX. It is still showing on Experian which is adversely affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

NelNet appears on my credit report 8 times. XXXX ( XX/XX/2021 ), XXXX ( XX/XX/2021 ), XXXX ( No date ) all have different closed dates. The accounts were sold to a different student loan servicer and the account is no longer with NelNet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts, inquiring creditors, and consumer reporting agencies/bureaus below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
Consumer Agencies : Experian.com Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 c. ( 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 antidotes the report by more than XXXX 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: Checking or savings account

I was asked to deposit check by an individual and then transfer the funds via XXXX to pay for services. The checks turned out to be fraudulent. I contacted my bank and I was told u would need to take it up with XXXX. I did so and after a long discussion and sharing of documents XXXX stated they have a sincere desire to return all of the funds from the 5 transactions. I was told to instruct my financial institution to do a charge back. When I contacted my financial institution and the individual I had spoke to they told me that they can not do this, even after reading the instruction sent to me by XXXX they still refused to assist in returning these funds
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number XXXX Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$1300.00} This debt continues to remain on my credit reports after working with the credit bureaus to get it resolved. There is no phone number or proper information letting me know anything about this collection. I am not even familiar with this debt, it needs to be removed. This is negatively affecting my credit score. It should no longer show on my Equifax and XXXX credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting inaccurate information on my credit report. Despite several attempts to dispute these inaccuracies they still remain on my credit report Inaccurate addresses are also displayed on my credit report. 

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

I issued XXXX Letters to the agencies and they did not send proof of validation or investigate the accounts or inquires not authorized by me. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Immediate Cease and Desist and Debt Validation Request for Account [ Account Number ] Dear NCB XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, This letter serves as formal notice regarding your inaccurate and unlawful reporting of a debt under my name, allegedly associated with the account number [ Account Number ], which you are reporting to credit agencies. After reviewing my credit report, I discovered that you are inaccurately listing yourselves as the original creditors. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate credit reporting, and the Fair Debt Collection Practices Act ( FDCPA ), which requires debt XXXX to provide proper validation upon request. 

I dispute the validity of this debt in its entirety. Therefore, I demand that you immediately cease and desist all collection efforts and provide full and complete debt validation as required by law, including : 1. The name and address of the original creditor, along with clear documentation that proves the original debt.

2. A copy of the original agreement bearing my signature, proving that I am legally obligated to pay this debt.

3. A complete breakdown of the balance, including the principal, interest, fees, and any additional charges applied to this debt.

4. Proof that you are legally entitled to collect this debt in my state and documentation of how you acquired this debt. 

If you can not provide this information within the statutory XXXX period, I demand that you take the following actions : Immediately remove this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 
Cease all communication with me regarding this matter, except to confirm that you have complied with my request. 

Failure to comply with this request will result in legal action. If you do not provide proper validation or remove this account from my credit report, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General regarding your violation of federal consumer protection laws. 
Seek legal counsel to file a lawsuit against your company for damages caused by your false reporting, misrepresentation, and harassment, as allowed by the FCRA and FDCPA. 

As per the FCRA, if you can not validate this debt or correct the inaccuracies, you are required to immediately delete the derogatory information from my credit report. If you continue to report this information without validation, I will hold your company liable for willful non-compliance with federal law. 

This letter also serves as notice that under the FDCPA, I am requesting that any and all future communication regarding this matter be conducted in writing only. Any further contact by telephone will be considered harassment, and appropriate action will be taken. 

I trust that you will handle this matter promptly to avoid further escalation. I look forward to your response within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Product: Payday loan

I received a loan from this company with a large interest rate on the loan. I am unable to pay the ballooned interest rate and wrote them a letter stating I wanted to cancel the loan and pay the interest rate. They excepted my payments of {$150.00} ( XXXX ) in which the loan was {$1000.00}. which my account balance should be {$700.00}, they tried to take {$1200.00} from my account. They are being not being reasonable and they continue to call family members harassing them stating I am a dead beat and not paying none of my bills.
Product: Checking or savings account

I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful. I do have a PNC BANK XXXX XXXX XXXX  but PNC BANK refuses to allow me to open a regular checking and savings account. I demand PNC BANK stop discriminating against me and allow me to open a regular checking and savings account! I also demand all unlawful, fraudulent accounts be removed from my credit reports and any and all consumer reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX  and the XXXX XXXX with XXXX XXXX XXXX. I 've reported to transunion and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.
Product: Student loan

My XXXX student loan was in forbearance which has ended with my next payment due on XX/XX/2017 at {$820.00} I called to explain I can not afford this payment several times and was told I have to wait until after I miss payments to call Loan Science who handles the billing. I called Loan Science on XX/XX/2017 to question the payment amount and I was told that this includes late fees, I have not been late the loan was in forbearance but because this company does n't immediately put a loan into forbearance it accrues late fees. I find this absurd and question how this can be legal? The also informed me that they do not have any repayment plans available and I need to pay the {$820.00} on due date or I will be charged a late fee and next month my payment will be {$650.00} which is also an absurd amount to think someone can pay. I want to file a complaint against loan science for purposely and knowingly keeping me in debt by refusing to work with me based on what I can afford and also by tagging on late fees when a loan is under heir control for forbearance.
Product: Student loan

First off I was in the process of re-finance my home. I was taking equity to pay multiple loans off including Navient ( my student loan ). In order to close my title company needed a written pay off amount from NAVIENT. It became very difficult to obtain one. It pushed my closing date back just because of this. I had tried multiple times and so did my mortgage company. Was very frustrating and it seemed as if no one has ever paid a loan from NAVIENT in full. On top of that my balance went from XXXX to XXXX in less than 2 weeks.
Product: Credit reporting or other personal consumer reports

I opened a Kickoff Lending Account in hopes of building my credit, like many other people who opened accounts with kickoff lending it did the complete opposite. It has been a total nightmare. I was promised credit building services along with a credit line in exchange for a monthly subscription, that upon full completion would be returned to me. 

Currently i have an account with kickoff lending for {$750.00} which is not really an account. They opened XXXX and reported it to my credit bureau saying i took out a {$750.00} loan which i did not. I never received this money ever. 
They have been reporting XXXX, XXXX, XXXX, XXXX late payments on my file and show it in collections. 

After calling them and stating If I Paid my {$85.00} balance would they agree to a full deletion. They said no and that they do not have the ability to do so. 

Also stating that if I paid the {$85.00} it would not update on my credit files as the total balance being refelcted. 

Also stating that if i paid less than {$85.00} thats fine but would not show settled on my credit report until i paid the {$85.00}. 

Kickoff lending is refusing to work with me, lying about their ability to report or fix the reporting. 

Upon further research there are several thousands of americans who are expereincing the same issue. 

Im willing to make this right with the company but I do think its unfair how they are handling this situation, also that its shady the only way I can pay them is sending a money order or cashiers check via mail to a XXXX XXXX XXXX
Product: Credit card or prepaid card

Unresolved Access Issues with Citibusiness Credit Card Account I am writing to express my deep concern and disappointment regarding the prolonged denial of access to my Citibusiness credit card online account. Regrettably, this issue persisted for over 30 days, rendering me unable to make timely online payments. 

Upon realizing the situation, I promptly contacted the customer service helpline in an attempt to rectify the problem. However, the representative I spoke with declined to process my payment and advised me to call back the following day. Subsequently, I followed their suggestion only to be instructed to call again on Monday. The frustrating cycle continued until I was eventually granted permission to make a payment on Monday. 

Additionally, I was informed that Citibusiness was undergoing a transition to another credit card, resulting in my inability to view my charges, access my account online, or make any payments. I must express my profound disappointment with this predicament, as I have yet to gain access to my account despite the considerable time that has passed. Such actions on the part of Citibusiness do not align with the standards I would expect from a valued business partner. 

It is essential for me to have access to accurate and up-to-date information regarding my account for financial planning and record-keeping purposes. 

Citibusiness did not take care of me, or my account. 

XXXX
Product: Credit card

I began a teeth alignment program with XXXX around XX/XX/XXXX, with a total cost of {$2300.00}, to be paid in {$88.00} monthly installments. 

The alignment program was 8 months, concluding at the end of XX/XX/XXXX. There was a progress evaluation check-in about halfway through, where I uploaded the required documentation to show my teeth alignment progress. A ( human ) XXXX  XXXX was supposed to evaluate my progress, and if I was not progressing as planned, I was to be notified or given feedback. I received no feedback, which indicated that I was progressing as planned and on track. 

However, at the end of the alignment program, my teeth had not come close to aligning as advertised or planned. The problem was amplified by the fact that XXXX went bankrupt and stopped operations approximately XXXX months beforehand, leaving me with no recourse or ability to resolve the issue with them. 

Despite the company 's bankruptcy and inability to complete the service, payments continued to be processed through Healthcare Finance Direct ( HFD ), the third-party payment processor. I continued to pay until XX/XX/XXXX, bringing my total payments to {$1200.00}, when my attempts to resolve the issue with HFD were not progressing. Initially, I reached out to HFD to request a hold on future payments and clarification of their policies, but they have not provided a satisfactory resolution. I have only received boilerplate responses and I am unsure a human actually reviewed my messages. 

I am disputing a portion of the payments that have already been made due to the incomplete service, and I am requesting that all future payments be halted.
Product: Credit reporting or other personal consumer reports

While I was XXXX I had no access to the account overseas and tried to contact XXXX card services but they would not reply, they marked my account as 120 days late, once I got in touch with them gladly paid my balance and I myself requested to close the account yet on my credit report they claimed that they were the ones that closed the account. I did not cause them any misfortune and explained my situation yet they seemed to think I was causing this on purpose. They are my only bad remark on my credit report and I would like it removed as they provided a false report Twice.
Product: Mortgage

I have applied for an HELOC from Santander Bank, headquartered at XXXX XXXX XXXX, XXXX, MA. The Consumer Credit Processing office is located in XXXX, Rhode Island. 

I have made numerous requests to receive specimen copies of all documents ( " CONTRACTUAL DOCUMENTS '' as defined by CFPB ) that I will be asked to sign at the closing so that I have ample time to review them myself and to then have them reviewed by my legal advisor. 

1. THE BANK REFUSES TO PROVIDE THESE DOCUMENTS.

2. THE PROCESSING CENTER STAFF REFUSES TO PROVIDE THE NAME AND TELEPHONE NUMBER FOR A PERSON IN THE GENERAL COUNSEL 'S OFFICE. 

3. THE BANK APPEARS TO HAVE DELIBERATELY CONCEALED TELEPHONE NUMBERS FOR ITS EXECUTIVE OFFICE AND OFFICERS TO PREVENT A CUSTOMER FROM ESCALATING REQUESTS SUCH AS THIS ONE. 

XXXX. THE BANK IS ENGAGED IN AN UNFAIR AND DECEPTIVE BUSINESS PRACTICE BY INTERFERING IN ITS CUSTOMERS ' RIGHT TO INSPECT LEGAL DOCUMENTS AND TO HAVE THEM REVIEWED PRIOR TO CLOSING ON THE LOAN.