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

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I recently reviewed my credit report and found that you have violated my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, you have violated : 15 USC 1681 Section 602, which grants me the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ), which states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, which mandates that a creditor may not treat a payment on a credit card account as late if they haven't ensured that the periodic statement, including required information, is delivered to the consumer at least 21 days before the payment due date. 
The accounts in question are as follows : XXXX XXXX  XXXX Account XXXX Late Payment I never gave you or the listed creditors any written instruction to furnish information on my consumer report, which constitutes a violation of 15 USC 1681b. Your actions have caused severe stress and XXXX  due to your abusive and unfair practices. 
It is incorrect to list these accounts with late or missed payments. The above-listed accounts were never late and should be marked as " Pays as Agreed '' or " Paid as Agreed. '' In accordance with the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please provide concrete evidence and all documentation proving that I am or have been late. I understand that you will recheck these items with the creditors who posted them.

Please remove any unverifiable information. Under 15 USC 1681i ( a ), you must complete this investigation within 30 days of receiving this letter. Kindly send an updated copy of my credit report reflecting the requested changes. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX OF XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX OF XXXX Account 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 i also have an unauthorized inquiry reporting XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates mentioned I were late in making my payments were incorrect and unverifiable. I never paid late and I was never notified .Please update the payment history immediately for the accuracy of my report. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Student loan

XXXX at Navient told that it will cost XXXX dollars to process my FORBEARANCE PAYMENT on XXXX XXXX, 2015. However, XXXX and her supervisor at Navient said they refused to give me a forbearance despite me being in-school and Navient taking XXXX dollars out of bank account. Navient is trying to ruin my credit and they must be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  and TransUnion has fraudulent charges on my credit. The company that reported this XXXX XXXX XXXX in XXXX was involved with corruption and I exposed their unethical business practices. There is no court order for any {$3000.00}. I paid my rent on time every month for 9yrs and have an excellent credit except their derogatory and fraudulent report of over {$3000.00}. This company was robbing rich students, tampering with Federal mail, going in units when residents not home, forged signatures on documents, manipulating and intimidating using police to do their dirty work. XXXX XXXX was the manager and was fired after I exposed to various organizations. FBI, news media and other social media. XXXX XXXX XXXX is evil wicked and greedy for money. These reporting agencies are reporting inaccuracies. This fraudulent charges was retaliation for exposing them. XXXX XXXX XXXX in XXXX placed brown newspaper to cover their office windows then painted it half white so no one would see their staff. Then changed their name to fool people. They are located at XXXX XXXX XXXX in XXXX, Mass. They are the same company but change their name to fool people. They are charmers, deceptive evil, wicked and greedy robbing rich students and turn on American citizens.
Product: Money transfer, virtual currency, or money service

From XXXXXXXX  to XXXX, I have sent XXXX XXXX  in total ( five payments : XXXX, XXXX and XXXX on XXXX, XXXX on XXXX, and XXXX on XXXX ) to this account " XXXX XXXX '' through PAYPAL to buy products which are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  boxes and XXXX XXXX  packs. At that time, he promised to send those products to my cousin soon after I finish the payment. We contacted with each other in wechat. I also sent an email to his paypal email on XXXX and did not get any reply. 
However, after I finished the payment in XXXX, I can not get any information or reply from him, his last message was in XXXX which showed that he was in hospital taking care of his partner. Of course I did not receive any of those products at all. 
It seems that he vanished from my sight for more than two months and I do not know what happened on him. I just want my money back since I did not receive any of those products at all. And I am also afraid of the safety of my money since the reason " taking care of sb in hospital '' seems like an excuse to avoid doing something. 
Please help me to get my money back, that is a lot, thank you very much.
Product: Mortgage

This complaint is continuation of previously filed complaint # XXXX last month on XX/XX/XXXX. Since JP Morgan just responded today by saying there was no loan under my name and have played phone tag with me since last 30 days, the complaint process is now closed, so I have decided to reopen this as a new complaint with additional loan information. 
See below. 

Loan number : XXXX Loan Origination date : XX/XX/XXXX Foreclosed : XX/XX/XXXX Name : XXXX XXXX Phone number : ( XXXX ) XXXX Property address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX First Modification request submitted : XX/XX/XXXX with all required documents. 
Second Modification request submitted : XX/XX/XXXX with all required documents Employment declined by chase after recruiting : in XXXX. XX/XX/XXXX, XXXX. XX/XX/XXXX XXXX. & in XX/XX/XXXX. 


I took a mortgage back in XX/XX/XXXX with Washington Mutual, which was sold to Chase Bank sometime in XXXX due to the financial crises of mortgage industry. I tried numerous times to get a loan modification and Washington Mutual and Chase both refused to modify my home loan and ultimately foreclosed my home in XXXX. I had no other choice but to file for XXXX  XXXX in XX/XX/XXXX to get a fresh start after my foreclosure with Chase. Ever since XXXX, I have applied three times ( in XXXX, XXXX and XXXX ) to work at Chase and after the offer letter was extended to me, I cleared the background check only to find out on all three occasion that chase would not hire me due to some red flag in their system with my social security number and previous mortgage that went into foreclosure. They rejected my employment offer on all three occasions. Chase refuses to disclose the reason why XXXX cant be hired at Chase even after re-establishing my credit. 
I have also applied for XXXX or XXXX card with chase or any other chase store card numerous times and every single time they have denied me credit. ( Most recent was XXXX ). Even though I have re-established my credit since my bankruptcy in XXXX and have received numerous other major Bank XXXX, Master Cards, Car Loans and departmental store credit cards and maintain a great credit history. They still refuse to extend me any type of credit including employment. I have asked them several times to provide reason for credit and Employment denial, they refuse to provide me with any explanation other than a normal credit denial letter based on XXXX, XXXX and XXXX related credit factors. I know for sure that this has nothing to do with my credit rating or credit score or my background check. Its pure credit and employment based discrimination.
Product: Debt collection

On XX/XX/XXXX, the number XXXX called me. I didnt answer initially but called back a few minutes later. Once the debt collector answered, I mistakenly said This call has been calling me and Im just returning the call I then immediately corrected myself and said This number has been calling me and Im just returning the call. The debt collector, then proceeded to mock me on the phone and say she just said the call has been calling me and began to hysterically laugh. I said to them on the phone that I could hear them making fun of me and they proceeded to continue laughing. At that point, the debt collector asked me if I was who I am and I said yes. I told them that I had been trying to set up payments, but wasnt able to verify my information with the previous company who held the account. The debt collector then started laughing again on the phone and said Clearly not, you dont pay anything. 
After that statement from the debt collector, I said I will not be talked to that way. Im hanging up the call and I hung up. 
After a few minutes, I called back and another debt collector answered the phone, and I asked to speak with a supervisor. I told her when I previously called that the guy was demeaning and completely unprofessional.She asked me to verify my name which I did. She at this point had completely ignored my request for a supervisor and continued to ask about the debt. I told her I wanted to know the name of the debt collector I had talked to before I called back as Im sure they had call logs. I repeated this 3 times to her. She said the persons name was XXXX and that she would transfer me to speak to a supervisor, XXXX. As soon as she put the line on transfer, I was on hold for about 20 seconds before the call abruptly ended.
Product: Credit reporting or other personal consumer reports

XXXX Privacy Act of XXXX XXXX 5 U.S. Code 552a ) The Privacy Act of XXXX  as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud with XXXX XXXX. I sent Transunion a ftc identity theft report, along with everything they requested to get this erased from my report. They first erased the account, and then put it on again!!
Product: Debt collection

On Friday XX/XX/year> I received a notification from XXXX and XXXX through my credit monitoring subscriptions that there had been a new collection added to my credit report by a company listed as CREDENCE RESOURCE XXXX, representing AT & T in the amount of {$98.00}. I immediately disputed the said debt and shared with the collection agencies that I do not and have never had an account with XXXX XXXX XXXX. My disputes are currently open. The company NEVER sent me any type of correspondence via mail or by phone, giving me a chance to dispute or address the misinformation. Instead, they just placed it onto my credit reports.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/XXXX was out of school for 7-8 months. Was unable to pay ~ {$600.00} amount that had left deferment in XX/XX/XXXX/XX/XX/XXXX. Went back to school a month after I was notified of amount needing payment ( XX/XX/XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the XXXX XXXX XXXX XXXX XXXX, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 

Submitted a dispute with Transunion in the past, XX/XX/XXXX with no resolution from agency
Product: Mortgage

Good morning, Last month, I applied and received a mortgage from XXXX XXXX. Prior to apply, I asked Mr. XXXX XXXX over email, if XXXX XXXX sold mortgages to XXXX XXXX, XXXX XXXX or XXXX and he said no. I explained to Mr. XXXX that I do not wish to deal with this group based upon past performance and harassment from members of this group. I told Mr. XXXX that if they conducted business with this group, I would have to decline the mortgage. Mr. XXXX lied about his association with XXXX XXXX XXXX XXXX aka XXXX XXXX. This group steals from Veterans and falsifies credit reports. 

Today, I received a call from XXXX XXXX stating that my loan was transferred to XXXX XXXX and I discontinued the called. I am requesting a reversal of this transfer. 

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

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL XXXX MEDICAL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

CREDIT COLLECTION SERVIC Last reported XX/XX/year> {$380.00} Open balance CREDIT COLLECTION SERVIC Original creditor SNAPSHOT Opened XX/XX/year> ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name CREDIT COLLECTION SERVIC I also disputed the account with the credit company File number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX XXXX, TX XXXX, Equifax XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX, I am writing to inform you of some changes to my personal information that are pertinent to my credit account with your institution. I need it changed because I fear I am susceptible to Identity Theft Please update my records accordingly with the following information : 1. Name : XXXX XXXX XXXX 2. Address : XXXX XXXX XXXXXXXX XXXX, CA XXXX 3. Contact Number : ( XXXX ) XXXX 4. Email Address : XXXX REMOVE ANYTHING THAT DOES NOT MATCH THIS INFORMATION These changes are necessary due to [ provide a brief explanation for the changes, such as a legal name change or relocation ]. I kindly request that you update my personal information in your system as soon as possible to ensure the accuracy of my credit account. 

Additionally, please ensure that all future correspondences and statements are sent to my new address and that my contact information is updated across all relevant departments within your organization. 

I understand that providing accurate and up-to-date information is crucial for maintaining a healthy credit profile and avoiding any potential discrepancies. If there are any forms or documents that need to be completed to facilitate this change, please send them to me at the new address mentioned above, or inform me of any necessary steps to complete the process. 

Thank you for your prompt attention to this matter. If you have any questions or require further clarification, please do not hesitate to contact me at the provided contact number or email address. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

A collections debt was posted to my account around XX/XX/year> with XXXX. I have never utilized XXXX  for cellular service or internet. I have not received any bills from XXXX.
Product: Debt collection

On XX/XX/2016 a call was made to XXXX for the repair of a XXXX oven. I provided my credit card information and was charged {$240.00}. The agent who took the information stated that our service rep from your local area will call a day before with a time to confirm, to come out to service your microwave. The agent stated the service Rep as XXXX XXXX XXXX who is assigned to do the repairs. Also discussed during the conversation was what the fee would be for diagnosis and or repair with a 2 month warranty if repairs were performed. I stated that someone will be available on XX/XX/XXXX between the hours of XXXX to XXXX. I then provide the agent the home phone number and my daughter 's cell phone number. He then stated that the local service rep will call to confirm a time they will be coming out to your home for repairs. 
XX/XX/2016 no service call received XXXX XXXX, 2016 no service rep call nor did they come perform repair. 
XX/XX/2016 Approx XXXX called XXXX to complain about a no show from the service Rep XXXX XXXX XXXX. ( incident # XXXX ) I spoke to an agent name XXXX who also provide a contact number of XXXX Who stated they will close my case and send out a refund and apologized for the poor service. 
XX/XX/2016 received a refund from XXXX in the amount of {$240.00}. ( ref bank credit card statement from XX/XX/XXXX ) XXXX XXXX, 2016 I received a letter in the mail for a service fee of {$98.00} from XXXX XXXX XXXX. 
XX/XX/2016 I received a letter in the mail for a service fee of {$98.00} from XXXX XXXX XXXX. 
XX/XX/2016 I called the XXXX and complain about receiving a bill for service that was not performed. The agent stated they would turnover the complaint to their Out of XXXX Department and someone should make follow up if need be. 
XX/XX/XXXX received a collection notice from Golden State Collections LLC in the amount of {$100.00} on behalf of XXXX. 
XX/XX/2016 I replied to the letter disputing the service fee to Golden State Collections LLC. 
XX/XX/2016 Approx XXXX I called the XXXX/Out of Warranty Department , I spoke with an agent named XXXX ( XXXX ) about the letter and bill from XXXX. She stated I should not be getting a bill from them as the account was closed. She also stated she will get her manager involved to assist, I provide her my work telephone number as another possible contact because of the time difference. She provided me a link to send in the bill and collection letter, in which I did. She then stated that someone will be calling me the next day for a follow up ( Tuesday XX/XX/2016 ). 
XX/XX/2016 I received no call from the XXXX. 
XX/XX/2016 Approx XXXX I called the XXXX XXXX XXXX to follow-up, because I have not heard from a XXXX rep. I was connected with an agent named XXXX who stated that my case was closed and I should not be receiving any third party billing from XXXX XXXX XXXX. Agent XXXX went onto say that when the company refunded my service fee that was the end of our service with you. 
She provided me with a case # ( XXXX ) and an incident # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act XXXX  account has violated my rights.

15 USC 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Filed a dispute yet nothing happened, no response no resolution.