23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my loan account, issued by XXXX, a balance with them at {$16.00}, according to XXXX XXXX. This account was opened in XX/XX/2015, payments were made and ceased due to disagreement over interest rate and the fact XXXX did not take into account my credit score when calculating this rate. Numerous negative reviews on XXXX and other consumer review sites reveal XXXX does not take into account credit score when granting loans. It appears XXXX has not closed my account and instead has left it open and kept charging interest and fees when they have not agreed to adjust interest rate according to my credit score at time of account opening. The original loan amount is {$6800.00} and they are now reporting it at {$16000.00}, they are adding on fees and interest which will not be paid and they are doing this in order to place a burden on my credit score and history. Previously, I attempted to resolve issue of interest rate directly with a XXXX XXXX at XXXX as well as XXXX XXXX with XXXX XXXX, the bank whom issued the loan, XXXX   services the loan. XXXX XXXX defended the high interest rate of 23 %, I believe it is, he would not adjust it and or offer any remedy, I attempted to reach XXXX XXXX, my calls were blocked from the number I called from and I had to use a different number, when I reached a rep I was told XXXX XXXX does not accept calls. Instead of charging off the loan, XXXX continues to add on fees and interest and has kept my account open since payments stopped in XX/XX/2015, in an attempt to burden my credit score and file as mentioned prior, as well as attempt to collect payment. I will contact an attorney about this issue to see if what XXXX is doing is legal or not. I request XXXX to close account at this time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account XXXX # XXXX, has violated my rights. Account XXXX APARTMENTS # XXXX, has violated my rights. Account XXXX XXXX XXXX # XXXX, has violated my rights. Account XXXX CARD # XXXX, has violated my rights. Account XXXX CREDIT # XXXX, has violated my rights. Account XXXX CARD # 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 an account without my written instruction.
Product: Debt collection

I did receive a notice of attempt to collect debt. My problem with this company is that XXXX XXXX sent a check to settle this de

bt o n XX/XX/XXXX. The company Hunter Warfield confirmed they received the check on XX/XX/XXXX. I am currently XXXX  and XXXX and I really need the receipt in order to move to a new place and I dont understand why it takes so long for them to issue a receipt. I have called several times. Last Friday XXXX  they told me I could access the receipt today. I logged in today and I did not get a receipt, so I called again, and the person on the phone told me it would take and extra 2 weeks to get the receipt. Why it takes so long? Banks clear a check in 7 days and it comes from an agency. This is outrageous. I am XXXX and XXXX XXXX XXXX XXXX, please help me out to get this confirmation of payment as soon as possible.

Name of collection agency : Hunter Warfield Check amount {$2600.00} Account # : XXXX
Product: Credit card

On XX/XX/year> I discovered some unrequested checks had been mailed to me from Citizens bank ( with whom I then had a credit card account with but no checking account ) and fraudulently cashed for the full amount of {$5000.00}. I had automatic payments set up to pay my citizens credit card account from my chase checking account and realized that something was wrong when my chase account was overdrawn on XX/XX/XXXX upon autopaying the credit card balance ( the checks must have been cashed in XXXX ). I called citizens to find out what was going on since I had not made any credit card payments for that amount and they advised that some checks they had sent had been cashed, I told them I never received them and that it was fraud, I was advised the easiest solution was to request my XXXX bank to revert the payment to my citizens card to recover my money, which XXXX did. Citizens told me my claim was with the fraud department and should be resolved, I requested to close my credit card account to prevent the situation from repeating. The next month I got a notice stating I owed the balance from the cashed checks, I called citizens and they advised not to worry, that my claim was in the system and I just had to wait for the fraud department to resolve it. The following month I received another letter still showing the claim wasn't resolved I called and they told me I just had to wait, its now XXXX months later and they have not resolved my case and my credit score is now impacted. I have called citizens over XXXX times and they can not tell me why its taking so long for my case to be resolved and that I have to wait for someone from backoffice to deal with it. I do not have the credit card anymore but my account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA XXXXelease that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 


As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Debt collection

Good Afternoon, This is a compliant to XXXX XXXX ( XXXX XXXX XXXX XXXX, WI XXXX ), regarding a closed account I wanted deleted off my credit report. The company was not able to give valid information to verify the debt was mine. They submitted a itemized statement showing balance and fees applied to this account. This is not valid validation of debt of this account. The FTC has issued an opinion letter on this subject, and concludes that an itemized printout does not represent verification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

I have already disputed these items, but the bureaus did not remove nor validate them.

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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX NY XXXX XXXX NY XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint to address a significant concern : I have been victimized by fraudulent activity. Under FCRA section 605B, Credit Reporting Agencies are obligated to delete any items listed on an identity theft report. For my situation, please refer to reference # XXXX, # XXXX, and # XXXX. Attached, you will find documents to aid in the removal of incorrect information and fraudulent inquiries from my reports. Below is a list of items that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Let me repeat that per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within 4 business days of receipt.
Product: Credit card

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, as I have never been late, but they are incorrectly reporting me as such.
Product: Debt collection

the company debt collector, portfolio recovery associates XXXX XXXX XXXX XXXX va XXXX amount of debt XXXX the company was notified when we noticed the amount on my credit report, i disputed the debt XXXX XXXX replied it was fraud, portfolio keeps contacting me by phone and by letter about this debt, i have sent them letters, and also the document from XXXX XXXX showing it was fraud, portfolio continues to disregard the fcra and fdca, and they are abuseive on the phone, this has been going on for month, the address they show on the debt i never lived at ... this was told to them they continue to hound me and persist i fill out papers for them that consist of what their job is for i refuse to give them any of my info much less do their job for them, i can attach letter i have sent them even by email
Product: Payday loan, title loan, personal loan, or advance loan

Yes, I give them all my personal information such banking account details, debit card, social security, phone number, residential address and job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and requesting information such as, my consumer file in which I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.
Product: Checking or savings account

I am tired of you all being lousy at this organization and at Discover. At this point, I am about to close out the entire account. I uploaded proof that the stylist agreed to issue a refund and it keeps being ignored! I am going to police to get my money back as well.
Product: Credit reporting or other personal consumer reports

The reason you have received this complaint today is in reference to the company called XXXX XXXX XXXX which may be a pay day loan company based on an XXXX XXXX XXXX  and the information listed within my credit report is cited XXXX XXXX company cited based on behalf of another meaning that the company may not have had authority to access my credit report. I know for a fact that I do not have any information in reference to this an I need this off my credit report on the XXXX XXXX. I also have contacted XXXX XXXX and it seems as if they use an XXXX XXXX  XXXX  call center everyone sounds the same and none of them seem to listen, or just plain do not understand XXXX  and this needs to stop., I need the citation to XXXX XXXX, and the company that they work behind to make the inquiry XXXX XXXX to be removed from my XXXX XXXX Report. 

XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND, XXXX The address us wrong on the report and is over XXXX XXXX XXXX, and the phone number is wrong so I don't know what this is all about plius I understand there is a class action lawsuit, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , GA XXXX It's a business and no phone number - seems legit ( NOT ). How did XXXX verify this if there is no phones number? Please remove from the credit report.
Product: Credit card

Hello My partner and I applied for a Wells Fargo credit card to pay for an appliance. We were offered a promotional rate that ended on XX/XX/XXXX. I paid off the remaining balance of the card with a balance transfer from XXXX on XX/XX/XXXX, and the payment posted on XX/XX/XXXX. This payment is shown on my XXXX balance page and did not update on the Wells Fargo card. 

Since the balance isn't being shown as paid in full on the Wells Fargo account, I have been charged deferred interest in accordance with the terms of the card, though I did not understand this until today when I was charged the intereset. I intend to call them on Monday when they are open but I do not trust Wells Fargo to handle this honestly. I need to know if I have any options to deal with this issue since I paid every penny of the balance on my end but am being charged an additional $ XXXX of interest. Is there anything the CFPB can do to help? 

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

I lost a lot of my personal documents in 2017 during the Texas hurricane. Since then, i have been receiving a lot of mail since my house is now fixed and in livable condition. I checked my credit report, and it is a lot of accounts on my credit report that do not belong to me. i have filed a police report and i will include the incident number along with additional fraud accounts that are on my credit report below XXXX XXXX acct # XXXX XXXX XXXX Loan XXXX XXXXXXXX credit card Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX / XXXX ACCT # XXXX XXXX XXXX  XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX POLICE INCIDENT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$480.00} INQUIRIES : XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

In XXXX 2016 I pulled a copy of my credit report. I sent a certified letter on XXXX XXXX, 2016 to One Main Financial which was listed on my credit report requesting validation of this account. I requested that if they could not validate this debt that the entry be deleted from all credit reporting agencies. They did not comply with this request. On XXXX XXXX, 2016 I pulled another copy of my credit report and noticed that One Main Financial did not furnish the credit bureau 's with the required disclosure within the 30 day period required by law. Under Federal Law they are to place a " notice of dispute '' on my account within 30 days of my dispute which they received in XXXX 2016. I sent a certified letter to One Main Financial on XXXX XXXX, 2016 informing them they were of this federal law violation. To date they have not deleted my account as requested and they are clearly violating Federal Law.
Product: Credit card or prepaid card

Barclay 's Arrival Plus had a promotion of a sign-up bonus for XXXX miles if you spend at least {$5000.00} within the first 90 days after opening. On XX/XX/2019 I was approved. I had until XX/XX/2019 to spend {$5000.00}. 

Twice before the due date I called Barclay 's customer service confirming the date and the amount I have left to spend. Both customer representatives also referred me to check my account online on a tool called " Spend Analyzer '' to determine how much I spent up to that point. This tool is inaccurate. It includes credit card fees that aren't counted toward to {$5000.00} requirement, but I wasn't informed that nor were the customer service representatives aware. 

After my 90 days passed, I fully expected to receive my bonus. I called customer service and they said I didn't meet the requirement. I thought this was a miscalculation on their part because I downloaded my statement and it showed I was over the {$5000.00} and matched the Spend Analyzer. I opened a case so they can review if I spent enough. It wasn't until later that if I removed the fees, my calculation matched the customer rep. But the company never contacted me back after they closed my case. 

I called again and spoke to a customer service manager. This time reporting that their tool was misleading and that I would absolutely have spent the $ XXXX I was short to earn {$700.00} in rewards if I had known the true calculation. Who wouldn't spend {$15.00} more if it meant {$700.00} back? They opened a new case. I was still not rewarded the bonus nor did they contact me back.
Product: Money transfer, virtual currency, or money service

Cash app closed my account on or around the 3rd of XX/XX/year>. Without any explanation they blocked me from transferring or using my cash app card to withdraw the balance left. I've filled a complaint with XXXX. XXXX app said they would resolve the situation. I was instructed to upload a debit card to get the money out, I tried two cards. Cash app message keeps saying put the old card in. What old card?? Please help this organization is bullying people.
Product: Mortgage

During the covid crisis people can not pay the regular mortgage payments. Fortunately I can pay my mortgage up to now. 
But Wells Fargo deducted the XXXX $ from my mortgage payment on XX/XX/21 saying that I'm not fully covered. 
I called the company about more than a month ago to call my insurance companies together with them and they confirmed that I am fully covered. 
My previous insurance company was the XXXX XXXX and current company is XXXX. They haven't corrected the statement up to now. 
If you could help me out with that. I would be grateful. 
Sincerely , XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid the debt off in XXXX and the person I spoke to when paying said that they would remove from credit report. They sent me a account resolution letter. Then reported on my credit that I still have an outstanding balance and owed the entire amount in XXXX. I filed a credit dispute and all they did was update it to show I still havent paid even though I have a letter from them stating I paid them.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

this account is not mines and needs to be deleted from XXXX XXXX XXXX Acct # XXXX. According to 15 usc 1681a ( 2 ) ( i ) this is a violation of my consumer rights. pursuant to 15 usc 1681e ( b ) ( c ) states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 


delete this from my report now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX and SANTANDER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and SANTANDER with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below have 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 XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX 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 a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other item of adverse item of information, other than records of convictions of crimes wich antedates the report by more than 7 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