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 ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''Equifax , XXXX XXXX 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 XXXX XXXX XXXX XXXX AND XXXX XXXX XXXXXXXX are financial institution by definition under that title. 
As of today XX/XX/2024, per the FCRA as a federally protected consumer Im now opting out of all authorization I the consumer may have given you XXXX, XXXX XXXX, Equifax pertaining to reporting non personal information from third parties i.e. : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : written/unwritten, verbal/nonverbal this is effective immediately and indefinitely on reporting all my private information from these companies. I am opting out from reporting services.

15 US Code 6802 ( B ) OPT OUT 1 In General : A financial institution may not disclose nonpublic personal information to a non-affiliated party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Per 15 USC 6802 : ( A ) a financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. I have not been provided any notices and continue to not be provided notices.

( Nonpublic information ) - means personally identifiable financial information, provided by a consumer to a financial institution resulting from any transaction with the consumer of any service performed for the consumer otherwise obtained by the financial institution. There is personal information being furnished on my credit report without my consent.

Also, according to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

*Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : *Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on my report. After review of my credit reports XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have furnished adverse items on my credit report without my consent nor notification.
Product: Student loan

The terms of my student loan repayment were changed when Navient took over my student loans from XXXX XXXX. I was originally told that as a XXXX, I would be able to defer my loans as long as I remained a XXXX XXXX student. I am studying at the University XXXX pursuing my XXXX. At one point, I was charged the full principal of my loan, and was informed there was an error in the reporting of my full time status. Even though my University is a part of the XXXX that reports to Navient, they claimed I had not reported my full time status. I then had to go to the Registrar and get documentation proving my XXXX XXXX student status and wait for the information to be received and updated. This was very difficult trying to plan finances based on only a stipend from my role as XXXX XXXX. Recently I was informed that my XXXX I took out in 2009, was in full repayment. I had been paying the interest only on this loan, as I had been informed by XXXX XXXX it was not available for full deferment. This year ( my XXXX as a XXXX student ) I was informed the amount of months for my deferment was limited to XXXX, thus, I was required to pay the full principal and interest of my loan. This is different from what I was told by XXXX XXXX, and also by a manager at Navient. I had called to get this all explained to me, and I was told by a manager that since I was paying the interest and was not in full deferment, they should not of run concurrently, I was put on hold, and disconnected. When I called back, a different manager told me that my 48 months was up, and there was nothing I could do and was required to make full payments. I explained another manager had told me otherwise, and they did not look into this further. I looked up the promissory note from 2009 XXXX, and a deferment of 48 months is not listed. I was told by Navient, that when they took over the loans, some of the terms were changed in my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent my first dispute letter to Transunion. Altogether I sent 3 rounds. This account is invalid. The last name on this account is incorrect. Below is the dispute letter I've sent. I asked that they verify and validate all data on this account. I have yet to receive proof of validation. Dispute Letter Section 609 Round 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Transunion, as I analyze my credit report, I am shocked to see the numerous errors you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Please verify and validate all data for this account. Every notation, dates and balances, whether reported or not. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address. Attachment : 1. Copy of my Social Security Card 2. Copy of my Driver 's License 3. Copy of my Utility Bill I, hereby, attest that, to the best of my knowledge and belief, the above information is true and correct. _______________________________________________________________ Signature NOTICE Notary Public is not an attorney licensed to practice law and has not given legal advice or accepted fees for legal advice ; provided no assistance in the preparation of the above referenced documents, and has no interest in any issue referenced therein. Notary is not a party to this action and is only acting in an authorized capacity as liaison to communications between the parties. Using a notary on this document does not constitute an adhesion, nor does it alter my status in any manner. The purpose for notary is verification and identification only and not for entrance into any foreign jurisdiction. WITNESS my hand and official seal.
Product: Credit reporting or other personal consumer reports

Late payment disclosed on credit report : XXXX XXXX and XXXX of XXXX also XXXX and XXXX of XXXX. 
The comments on my report says " the account is closed at credit guarantors request '' which has a negative reflection when I am reviewed by creditors. 
Also this account was closed XXXX of XXXX and it's still being reported as a revolving account on my credit which is hindering me from increasing my credit limit. I have a credit balance of {$50.00} which I was never reimbursed from the company. 
Progressive is still reporting my account as if I am able to get additional credit which I am no longer able to do so due to the account being closed this company reporting my credit as open is fraudulent and goes against the Fair Credit Act 15 USC 1681. 
I have disputed with XXXX XXXX and XXXX concerning this account and this company refuses to remove these negative remarks off my credit report. This is a defamation of my character and a hindrance of my livelihood due to I am trying to buy a home and the banks are reviewing me or seeing me as a credit risk as a result of their negative reporting.
Product: Credit reporting or other personal consumer reports

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report
Product: Credit card or prepaid card

Today after reading terms and conditions and description for which criteria is used to determine eligibility for the Citi Simplicity Card I was immediately declined and an inquiry popped up on my XXXX report account when the website clearly says they use XXXX, which is why I thought I had better odds in applying. They also didnt allow me opportunity to share balance transfer requests as advertised. I suggest they reconsider my application using XXXX as they stated in writing on website and/or remove XXXX inquiry from my report. Thank you in advance, respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have XXXX credit card for which i pay monthly payments thru automated pay. I was never late for the payment. For the last payment, my automated payment stopped and i never received any invoice to pay the remaining balance. As i never received any bill, i never paid the balance of {$160.00}. I paid entire balance when they called me. But by this time it was reported to credit bureau. I disputed thru XXXX  but they have not removed the delinquent payment record from my credit reporting. This is negatively impacting my credit score and having difficulty in refinancing my home. 

Bank : COMENITYCAPITAL/XXXX
Product: Debt collection

CKS Prime Investments appeared on credit report. When I contacted them concerning this debt I requested who they were, who they were representation, if they owned the debt and did they have a signature with bills of sale if they did, they ignored me. They contiunue to report on my credit report and I can not get them off.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to inform you that I have been a victim of identity theft. After conducting research on how to remove the fraudulent item from my credit report, I discovered that I need to file a report with the Federal Trade Commission, which can be done at www.ftc.gov. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to remove any item listed in an identity theft report.

Enclosed are the necessary documents to assist in the removal of the erroneous information currently appearing on my report. Below is a list of items that do not belong to me or was opened without my authorization As stipulated in FCRA Section 605B ( a ), credit reporting agencies is required to remove any information identified by the consumer as resulting from identity theft within four business days of receipt of this request. 
XXXX XXXX XXXX : {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get a straight answer from XXXX and equifax is very difficult. For whatever reason XXXX is much easier to deal with. I had one dispute I put on my credit reports against a company that had inaccurately documented a late payment. The company itself updated the info but to get the dispute remarks off of equifax and XXXX I may need a lawyer. I have gotten different answers each and every time I have callled to get the dispute remarks removed. Weeks later eve 24-72 hours to remove dispute remarks is completely false.
Product: Debt collection

First National Collection shows a collection on my account for XXXX XXXX. I already resolved this with XXXX and I have never heard from First National Collection until my mortgage company informed me of the account. Per Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX they have not validated this account. I have not moved and have the same cell phone number for years. They have made no effort to contact me to validate this prior to reporting it. Again ... I already turned in the box to XXXX. They made a mistake.
Product: Prepaid card

I was on unemployment and Bank of America apparently sent my card to the wrong address. I never received the card so I figured it got lost in the mail and it wasnt a big deal that I would have the money when my savings ran out. I continuing to do my weekly certifications as usual but when I called to get my card they had said that it was sent to the wrong adresses, activated, and was drained of most of the funds in my account. I have no idea what adress they sent it to. The address it was sent to was never a address of mine nor did I ever tell the bank I lived there so it makes no sense why Bank of America isnt giving me the money that was stolen from me which I seriously need at this point. Every time I call the bank they tell me to call back later and their system is under maintenance. I have been fighting this for years
Product: Debt collection

Receivable Performance Management LLC was hired to collect on a debt that has already been resolved by the previous collection agency and XXXX. The debt was removed from my credit file well over one year ago because it was determined frivolous. After the resolution, XXXX hired another agency to continue to harass me for a debt that has already been resolved. The debt was forgiven due to poor service. I lost money and had to go to a different carrier because of poor service when I had XXXX 2 years ago. I am not going to pay on something that was already resolved.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XXXX XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

td bank says i own money but i never opened a bank account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

15 US. C 1681 section 602 A states I have the right to privacy 15 US. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I asked them not to call me they told me that all they will do is put a 14 day hold on the account and then continue the calls and that the only way for them to not call me was in writing. They also said that they sent out a letter for a settlement that i had not received due to not living at that address i asked them to honor the settlement but they refused due to not having in their system that i moved. He told me that he would be able to over ride the system to approve the settlement but only if it showed bad address but their system didnt even though i explained to them i moved 3 years ago.
Product: Credit card

On XX/XX/2017 I received conformation of XXXX balance transfers totaling {$7900.00} including transfer fees ( with zero percent interest until XX/XX/2017 ) I made onto my Chase Ink Mastercard. I had never requested a balance transfer before so I had called and talked to a representive for Chase prior to making the transfer. I was told that any new purchases I made on my Chase Mastercard had to be paid off every month or the balance transfer amount would be subject to the current interest rate on my account. During the month of XX/XX/XXXX between XX/XX/XXXX to XX/XX/XXXX I made cash advances totalling {$2800.00} including transaction fees. On XX/XX/XXXX I made a payment of {$4000.00}, figuring that would cover any cash advances and purchases for the month of XX/XX/XXXX, also the minimum payment due plus some extra that could be applied to the balance transfer amount. When I received my statement the next month, no money was applied to the cash advances ( highest interest rate ) I had made, instead they had applied the {$4000.00} to the balance transfer amount ( zero interest rate ). I called on two occasions and both times I was told by the Chase representive that is the way it works, when clearly that is not what I was told prior to applying for the balance transfer. After all it would make no sense for me to pay down a zero % balance when I have a balance that carries a 25+ % interest rate.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me. 

Failure to respond with deletion of the above reference account and sent out a free copy of my report actor. The changes have been made will result in legal actions being taken against your company for which I will also be seeking XXXX per violation for defamation of character negligent enablement of identity fraud section 605B of the fair credit reporting act
Product: Checking or savings account

XXXX credit insurance is through assurance insurance Im being denied for claims. Two individual claims have been denied first time paperwork is correct. XXXX XXXX denied because I didnt have the premium package through XXXX XXXX XXXX : Breach ( XXXX ) driver license, social security number, etc. ) personal information compromise XXXX XXXX XXXX XXXX Breach ( XX/XX/XXXX ) ( drivers license, social security number, etc ) personal information compromised XXXX : Breach ( XX/XX/XXXX ) drivers license, social security number, etc personal information compromised XXXX XXXX XXXX Breach ( XX/XX/XXXX ) notified of breach ( XX/XX/XXXX ) Documention mailed by companies concerning negligence of XXXX member XXXX negligence have been allowed by XXXX i Have started claims and have proved documentation the insurance company assurance have denied twice and on the appeal have denied after all documentation justified funds taken out my account the documents from the back and also I have lost my job and im terrified my XXXX daughters personal information is part of the brenches as well. ( XXXX ) XXXX XXXX XXXX XXXX XXXX allowed breach the insurance assurance claims lost wages and banking denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical insurance through XXXX ( XXXX ) which published contracted rates for the associated medical providers. When I received the medical service, both the provider ( XXXX XXXX XXXX XXXX LA - XXXX ) and XXXX, who listed the provider in its network, committed a fraud by charging me the rate much higher, than listed in the contract. I disputed the charge and agreed to pay only the price listed on the contract. I did pay the amount due to XXXX promptly, as I was waiting on the resolution. XXXX violated many of their own rules, including failing to notify me in advance if my charges will be different than the contracted rates with the provider, billing the lesser amount than the " XXXX XXXX XXXX '' and others. As I was waiting for XXXX 's reply to my complaints, XXXX passed my " outstanding balance '' to the collection agency, the Sequoia Financials - SF. I believe there is a collusion of at least 3 business entities ( XXXX, XXXX and SF ) to avoid paying claims and charge patients extra amounts in violation of the agreed rates. SF reported my " debt '' to XXXX ( XXXX ), the credit reporting agency, that since then has reduced my credit rating directly affecting my previously excellent credit score. This is a direct material loss that I have experienced by XXXX 's action. The total " debt '' amount is about {$500.00}, and I have been paying monthly much higher balanced. This is the matter of fraud committed against me ( and potentially other patients ) by XXXX, XXXX and SF. I have to add XXXX also to this axis of fraudulent actors because they failed to impartially investigate my numerous complaints that " bad debt '' was manufactured by XXXX and sold to SF. Moreover, XXXX gave me the wrong address to forward my complaint to the regulator agency. I can provide all supporting documentation. I ask that the fraud by XXXXXXXX-SF-XXXX be investigated by the appropriate regulatory agencies, administrative actions be taken, and that any and all fraudulent charges be removed from my account and my credit score status be re-instated.
Product: Debt collection

I did not receive a written notice/debt validation letter from the last complaint I filed against this company. The debt agency did not send actual proof of notifying me of the debt validation. Instead they sent a new bill. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. This debt collector did not follow the law.
Product: Debt collection

Monarch Recovery Management leaves robo calls every day on land line regarding a debt that is not mine. I do not recognize any debt. They do not communicate in writing. They harass me every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the validity of a bankruptcy that is on my consumer report. I pull my consumer report from XXXX XXXX XXXXXXXX and I see that the inaccurate public information is no longer listed. I download my report and It shows inaccurate information on the downloaded version but not on their website. This is very deceptive and misleading. They never sent a permissible document for the alleged bankruptcy. I asked them to verify the accuracy of the alleged bankruptcy and they have not.
Product: Debt collection

Capital one auto finan # XXXX is committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports. Ive sent them letters befor but did not get any response. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a car loan or owe ANY amount of car loan and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.