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

They have no knowledge of any accounts under my SSN. as far as credit cards. I explained to them there is XXXX credit cards listed under all XXXX of my XXXX  reports. I contacted them by phone again XX/XX/XXXX and they have no knowledge. They said they only provide prepaid debit cards. I have ILLEGAL credit cards on my report! Please remove off XXXX, experian, and XXXX. XX/XX/XXXX Please remove these illegal credit cards under my name which XXXX XXXX said they ONLY issues PREPAID cards and not CREDIT CARDS off my experian, XXXX, and XXXX REPORT! 

This is ridiculous!! 

XXXX XXXX XXXX Balance {$57.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$13.00} Date Opened XXXX XXXX XX/XX/XXXX
Product: Student loan

I took out student loans in XX/XX/XXXX / XX/XX/XXXX to attend XXXX College in XXXX XXXX, CA. The total of the two Sallie Mae loans I am writing about was {$15000.00}. 

As of today 's date I have made payments totaling {$47000.00} and have a balance of {$31000.00} with a 14.875 % APR. 

My only options when I have reached out to Navient is to defer or reduce payments by extending the term of the loan, this is not acceptable. 

I have paid 184 % of the original loan amount, when paid off in XX/XX/XXXX I will have paid nearly 370 % the original loan amount. I am XXXX years old and STILL in debt because I tried to make a better life for my child when I was younger. I have been paying consistently, they have their money, there is no need for them to continue preying upon me, yet I have zero recourse. I have no one to turn to and Navient is just allowed to continue their unscrupulous business practice of preying upon individuals that have tried to better their lives. 

Also worth mentioning is that I had XXXX XXXX at the same time as well that have been taken over several times by different organizations ( now owned by Navient as of earlier this year ). The APR was always lower and the loan owners were always much more eager to help the individual as opposed to creating financial hardship. One of those loans is paid off completely and the other two will be paid off in the next couple of months as they make up about {$1700.00} total balance. 

I think I have proven good will, I have paid much more than the original loan amount and at this point I need someone to do something about this. I am angry and the answers I receive from Navient are absolutely unacceptable.
Product: Debt collection

I'm constantly receiving harassing calls day and night several times at all times of the day and night. They've also contacted my employer, family members, friends, neighbors, and landlord. I've asked them to stop. They continue to harass me and I want it to stop right away. If they need to contact me, all contact should be in writing only. All writing should be directed to me and only me.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 U.S.C. 1681 Section 802 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. With that said- Transunion and XXXX are Consumer Reporting Agencies and I am the Consumer. I as the consumer have the right to make sure my privacy information isn't shared which is back by 15 U.S.C. 6801 that 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 consumers ' nonpublic personal information ''. XXXX XXXX XXXX is a financial institution by definition under that specific title. Furthermore, 15 U.S.C. 1681 Section 401 ( a ) ( 2 ) states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates ''. The financial institution XXXX XXXX XXXX and the consumer reporting agencies XXXX and Transunion do NOT have my consent to furnish any information in regards to the XXXX XXXX  account ending in XXXX and they surely do NOT have my written consent either. Any and all consent to XXXX, Transunion and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 U.S.C. 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. XXXX XXXX XXXX never informed me of my rights to exercise my nondisclosure options. Not only that- 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) states " 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 ''. This account is an adverse item that they are reporting without my permission which is against the law. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing consumer report to the purposes listed under section 1681b of this title ''. And lastly, 12 C.F.R. 1016.7 states that " A consumer may exercise the right to opt out at any time. '' This is your notice that I am opting out of your reporting services.
Product: Mortgage

LoanCare has been billing me for insurance out of escrow since XX/XX/XXXX even though I provided proof of insurance of my own starting XX/XX/XXXX and the lender refunded the unused portion of the amount taken out of escrow since I no longer needed the lender placed insurance since I hand my own. I had coverage with XXXX XXXX XXXX XXXX Insurance company from XX/XX/XXXX - XX/XX/XXXX. Prior to the coverage expiring I decided to switch over to XXXX XXXX XXXX XXXX, whos coverage was to start XX/XX/XXXX - XX/XX/XXXX and they sent over evidence of insurance XX/XX/XXXX. LoanCare stated they didn't receive it so I provide the details over the phone to their insurance agent and emailed it to them as well. Then, without my consent, they sent a payment to XXXX XXXX XXXX XXXX XXXX XXXX of {$980.00} to renew that coverage which they received on XX/XX/XXXX. So, I had to contact XXXX XXXX XXXX XXXX XXXX XXXX to request that money sent back to LoanCare and I confirmed LoanCare received it via their insurance department. LoanCare then sent a payment of {$430.00} to XXXX XXXX XXXX XXXX, received on XX/XX/XXXX, even thought when I spoke to LoanCare 's insurance department, I advised them I am paying XXXX XXXX XXXX XXXX direct via autopay when I provided them proof of insurance over the phone when I was asked. I then had XXXX XXXX return that payment to LoanCare which was returned on XX/XX/XXXX. I have not missed a payment with either insurance copy. I have contact LoanCare several times to resolve this issue but keep getting the run around. At one point I was told by one of their agents that the {$25.00} charge was a payment to XXXX XXXX XXXX XXXX XXXX XXXX which was proven a false once I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they confirmed no such payments received. I have spoken with several of their agents and supervisors for assistance and they would either have me submit a escrow analyst request or submit it themselves but I get the same that I past due, which I supervisor confirmed that I'm not. I accepted an offer from LoanCare for a COVID relief forbearance, from XX/XX/XXXX XXXX, and per the terms " If you go into the forbearance past due then you will be reported as paste due ''. I was never past due before the forbearance and I'm not past due now. A supervisor had as well informed me they LoanCare is not familiar with the forbearance process and believes that is why they are saying I past due but no one knows how to fix it. Starting on XX/XX/XXXX that {$25.00} increase to {$160.00} for escrow insurance payments for XXXX, which is XXXX XXXX XXXX XXXX, who I already pay directly via autopay.
Product: Credit card or prepaid card

This is regarding my XXXX XXXX Credit Card handled by Citibank. I won a complaint against XXXX XXXX and accepted a settlement. The settlement refunded over a {$1000.00}, but I'm still being charged interest on the settlement amount. 

I'm looking at my account message sent history. There are Eight messages sent - All have a status of Unread I have called the dispute line and have faxed the settlement agreement to their dispute office several times. I've been on the phone and have been cut off after getting a live dispute rep on the line. 

They will not adjusted my interest. I want to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against XXXX ( Citibank XXXX XXXX XXXX in relation to a debt in the amount of {$810.00} that was charged off in XXXX but continues to be reported on my credit report as charged off. This ongoing incorrect reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and is negatively impacting my financial situation. 

Despite the debt being charged off by XXXX in XXXX, they continue to report it on a monthly basis as charged off. This continuous reporting not only misrepresents the current status of the debt but also violates the FRCA rules regarding accurate reporting of credit information. The incorrect reporting of this charged-off debt has had a detrimental effect on my financial well-being, making it difficult for me to obtain credit and negatively impacting my credit score. 

Additionally, I want to bring to your attention that I have not received a Form 1099 for this charged-off debt as required by the Internal Revenue Service XXXX IRS ) regulations. CBNA 's failure to provide this necessary documentation further adds to their noncompliance with relevant laws and regulations. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against CBNA. Specifically, I seek the following remedies : 1. Immediate removal of the charged-off debt from my credit report, as it is inaccurately and unfairly reported.

2. Correction of any negative impact caused by the ongoing incorrect reporting, including the adjustment of interest rates and credit scores.

3. Compensation for any financial losses or damages I have incurred as a result of this inaccurate reporting.

4. Enforcement of penalties on CBNA for their violation of the FCRA rules and failure to provide a Form 1099 for the charged-off debt.

I trust that the Consumer Financial Protection Bureau will handle this complaint promptly and ensure that justice is served. Attached to this letter are supporting documents, including copies of my credit report showing the ongoing incorrect reporting of the charged-off debt, as well as any relevant correspondence with XXXX 

Should you require any further information or clarification, please do not hesitate to contact me. Thank you for your attention to this matter, and I look forward to a swift resolution. 

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

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) LVNV FUNDING ( XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have  announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents  bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I Just recently started getting letters from companies that I do not know and sending me account balance that I know nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account name : XXXXXXXX XXXX Account number # XXXX has violated numerous codes inaccurate dates, balances and account types I will be uploading pictures underneath i demand a investigation and need this to be deleted off my credit report immediately due to violating section XXXX because it is incorrect or unverifiable.
Product: Credit reporting or other personal consumer reports

Credit card Accounts was opened up in my name without my consent potentially identity theft from Navy Federal I am in process of police report I sent in a Declaration of XXXX form already and I ask that these items be removed immediately under 15 U.S code 1681s2 - Responsibilities. 1692
Product: Credit reporting or other personal consumer reports

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items XXXX not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, you must remove it immediately
Product: Checking or savings account

WellsFargo closed my checking account on XX/XX/XXXX because they did not received a response from me to a letter they sent. My fault for not changing the address on my account when I moved. They never emailed me of attempted to call. 
I spoke to them beginning of XXXX and they told me they had sent a cashier 's check, however they sent it to the old address and therefore I never received the check. After many calls with the service department, I finally was able to open a case with their escalation department on XX/XX/XXXX. As of today, XX/XX/XXXX, nothing has happened. I keep calling and they keep telling me that " they are working on it ''. My case has changed two escalation associates and no one is able to do anything or provide updates. The balance on my checking account was ~ $ XXXX, it is a significant amount and I need WellsFargo to simply send me another check to a new address I provided back in XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to pay my car insurance and the transaction was denied. I knew that was wrong so I went online to see what was going on and there is 5 withdrawals that I did not make all from Texas and I live in Florida. I don't even know anyone in Texas. The first one is on XX/XX/18 @ XXXX XXXX Texas XXXX XXXX accnt for XXXX the next one is on XX/XX/18 @ XXXX XXXX Texas XXXX # XXXX for XXXX the next one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX next on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX and the last one on XX/XX/18 @ XXXX XXXX XXXXXXXX Texas XXXX # XXXX for XXXX. I immediately got a hold of XXXX XXXX to cancel my card and started a dispute to hopefully get my money back. I have filed a report with XXXX County Sheriff 's Office and hope that they investigate this. I have also filed a report with federal trade commission.
Product: Credit reporting or other personal consumer reports

Dear FCFTC, I hope this message finds you well. I am writing to inform you that I have contacted the bureau regarding a data breach in which my personal information was compromised. Upon reviewing my report, I discovered that fraudulent information has been reported under my name. 

I have made multiple attempts to resolve this issue, including writing letters and making phone calls to the bureau. Despite these efforts, they continue to insist that the information is accurate, when in fact it is not mine. I wanted to make the XXXX aware of this situation and the steps I have taken to resolve the matter. 

Please let me know if you require any additional information. 

Thank you for your attention to this issue. 

XXXX XXXX XXXX
Product: Debt collection

I did not consent, nor benefit from, or authorize any of thr following Account : XXXX. APPLE CARD/GS BANK - Account # XXXX - {$6000.00}
Product: Credit card or prepaid card

I contacted US Bank about about a fraudulent attempt to acquire a credit card with my information. I informed them I have not applied to their company for credit and their fraud department assured the matter would be handled and it would not impact my credit. I received notice from my credit monitoring service of an inquiry made on my credit report after US Bank assured me no such inquiry would take place
Product: Debt collection

This debt is not mine or owed by me. I have no knowledge or gave any approval of any kind in regards to this account. I have a problem with identity theft and have not authorized or signed any documents with use of my name or consented to my information to obtain anything from this company or incur this debt. I would like this company to remove this debt collection from my credit report immediately.
Product: Mortgage

In XXXX 2015 and in an earlier Qualified Written Request ( QWR ), both Congresswoman XXXX ' office ( via XXXX XXXX XXXX ) and I inquired in writing about who in fact is claiming ownership to my loan and under what authority was Select Portfolio Servicing ( SPS ) given the right to service the questionable loan. In a letter dated XXXX XXXX, 2015, SPS again did not provide written proof of their financial or legal interest they are claiming they have in my property. 
Upon researching recorded documents at the XXXX County Recorder 's Office, the Mortgage-Backed Security ( MBS ) SPS cited in its correspondence ( XXXX XXXX Trust XXXX ) as connected to my home ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) does not exist within any records submitted to the XXXX XXXX XXXX Recorder 's office. It does not appear on any documents connected with my residence. More important, this MBS ( XXXX XXXX Trust XXXX ) does not exist within the records of the Securities and Exchange Commission ( SEC ).
Product: Money transfer, virtual currency, or money service

You can take a look at the updated photos. There is evidence to prove that the bank defrauded my deposit. It took me several months to complain several times. Finally, I got a reply from the bank. The content of the first photo said that because the amount of the check payer was insufficient, so The cheque was returned. In the second photo, you can clearly see that the bank returned the money to the bank. The name of the bank is XXXX XXXX. Lets look at the cheque deposit slip in the third photo. It is obvious that it is an XXXX state cheque. This confirms the bank fraud. The hard-earned money of the people Before I also have and many portion of their complaints and requirements bank tell me return check number, so simple can prove is the wrong a number are unable to provide also to deceive I, several relevant departments also together asylum bank of violations , if I'm not against the own to look for bank record, this thing so deep buried down, I can't imagine such things will happen in great country