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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : DEPTEDXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Inaccurate credit reporting according to consumer laws.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company GREAT LAKES. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The person or organization who has this contract is now the debtor. The reason I asked for my signature is this organization used my signature as form of transaction to sell to other third-party security markets to profit. So therefore, I am not the owner of this debt.
Product: Debt collection

On XX/XX/XXXX I faxed a cease and desist letter to ability recovery services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against ability recovery services. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from ability recovery services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on it.
Product: Student loan

CONSTANT harassment from Navient regarding a student loan, even though I 'm a cosigner. When I called them today to stop the ridiculous number of phone calls at all hours of the day and night, the representative stated that they have the right to call me XXXX times a day! Not only is this a false statement, this is clearly harrassment! 

I know MANY people have filed complaints with your organization regarding Navient 's harrassing debt collection tactics. They are clearly excessive and abusive! How many more complaints must be filed against them for the CFPB to take action?!
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX 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 XXXX XXXXXXXX Balance : {$10000.00XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit card

I mailed a check in XX/XX/XXXX to payoff my entire balance of {$1900.00} for my Best Buy XXXX ( Citibank is the card issuer ). Although this check was mailed on or about XX/XX/XXXX to their XXXX XXXX XXXX the statement remittance copy ( in plenty of time to arrive by the XX/XX/XXXX due date ), my payment did not post it until XX/XX/XXXX ( as reflected on my XX/XX/XXXX statement ). The payment cleared my bank account on XX/XX/XXXX and was processed as an electronic ACH withdrawal ( because of this, my bank said that there was no image available of the canceled check since it was taken out electronically ). I was charged {$75.00} for a late fee/interest since they did not post the payment until XX/XX/XXXX. I called and requested the fees waived, which they did on XX/XX/XXXX ( as reflected on my XX/XX/XXXX statement ). I happened to log into my account online in XXXX, seeing the payment had been reversed and due to the fees/interest they added, I was over my limit ( as reflected on my XX/XX/XXXX statement ). I then received a letter dated XX/XX/XXXX stating that they needed proof of payment from me. I immediately called and spoke with customer service. On XX/XX/XXXX I faxed the proof of payment to them at the number the customer service rep provided. I never received any further communication regarding this. I logged into my account again online the first week or XXXX of XX/XX/XXXX and saw that nothing had changed. I uploaded my documentation using their " secure message center. '' I then received a second letter dated XX/XX/XXXX again asking for proof of payment. I called again and was informed that they had not received my proof of payment - either by fax on XX/XX/XXXX or their message center. I again faxed them proof of payment on XX/XX/XXXX. I called them on or XX/XX/XXXX to inquire as to the status of my dispute as when I had logged in online again, nothing had changed. They said they did receive my proof of payment, but did not know why nothing had been done yet. They said they would " escalate '' the issue ( after I asked to talk to a manager ). I logged into my online account again on XX/XX/XXXX and now the payment shows, but I still have a balance due of over {$160.00}, which is due to late fees/interest on their part for their failure to properly crediting my account. They said that they are either unable ( or more than likely, unwilling ) to reverse these fees, etc. I have requested that the account be closed, which I understand they have done already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a personal, student, loan with XXXX which was XXXX in bankruptcy in XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX has reported this account delinquent on payments 180 days plus with the credit bureaus which has significantly decreased my credit score and prevented me from getting an apartment.
Product: Checking or savings account

I had a account with Wells Fargo in XXXX to XXXX and they closed it after I was a victim of fraud and they acted like it was my fault a hacker hacked my account and then spent XXXX dollars of my money and I tried to get it back and they refused to reimburse me my money after I was supposed to have protection from this stuff
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX, account number 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 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

On XXXX XXXX, 2017 I sent a certified letter ( XXXX ) to XXXX XXXX requesting to have my debt validated via in writing to my current address. In the letter I also stated If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. It has officially been over 30 calendar days and I have not heard back from the agency. I am now requesting to have the alleged account XXXX deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to the debt collection company named XXXX XXXX XXXX XXXX via mail & phone and none of their methods of communication seem to work. I have sent debt validation to all the addresses via certified mail with no response. I disputed the information with Experian and the account comes back as verified. I asked Experian to provide me the method they contacted the data furnisher so I can request the validation of the debt and they said they would not provide it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX  Balance details 0 % paid off Balance {$290.00} Balance updated XX/XX/2023 Original balance {$290.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit reporting

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), and amended H.R. 5282 you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

You did not provide Verifiable Proof ( an original Consumer Contract with my Signature on it ) of documents you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. H.R. 5282 is clear and consumer is prepared to pursue injunctive relief and other damages in the United States District Court for the XXXX XXXX of XXXX. 

My first letter to you dated XXXX XXXX, XXXX, included a dispute of the listed creditor below. 

1. XXXX XXXX XXXX, XXXX # XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX # XXXX XX/XX/XXXXXXXX Reason for Deletion Failure to investigate and/or verify the disputed account within the allotted time period under FCRA XXXX you must delete the disputed item in accord to 15 U.S. Code 1681i ( a ) ( 5 ). Violation of House Resolution - H.R. 5282, Title IV - SEC 402. 

In-accuracy still exists - example : a credit item ca n't be late if there 's no balance due or a non-existence of an account ca n't be late if nothing is owed. The allege creditor is owed nothing. I am requesting a deletion. The allotted time to provide contractual proof of the account has passed under FCRA, you must delete the disputed item in accord to 15 U.S. Code 1681i ( a ) ( 5 ). The right to post negative information must have standing. You failed to provide documentation that proved the item is accurate. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ( 5 ) ], these disputed items must be deleted from my credit record within 30 days, which has passed. Any attempt to misrepresent the matter is a violation of Georgia O.C.G.A 10-1-372 ( ARTICLE 15 - DECEPTIVE OR UNFAIR PRACTICES ) and is a violation of the Federal Trade Commission Act. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed in this complaint. 

Additionally, Documents were sent to you of investigations completed by the Allege Creditors in XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, which states that the items should be removed. Please see attached.
Product: Credit reporting or other personal consumer reports

The account open date is XX/XX/2019. The date that is considered the open date has been inconsistently reported. XXXX the opening date is XXXX XXXX. If the information is coming from the original creditor, the opening date should be the same. We can not say these are 100 % accurate so it is deemed INACCURATE. This inaccurate information falsely manipulates the credit worthiness, and it is hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX, Account number XXXX. I have attached a copy of my credit report and highlighted that inconsistent and inaccurate information.
Product: Debt collection

COMENITYBANK/NWYRK & CO failed to give me proper validation of this debt.

I mailed COMENITYBANK/NWYRK & CO a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to express my concerns about my current lender overcharging me in escrows for taxes. I believe that their actions are unfair and in violation of industry standards. 

Recently, Our condo received a tax bill and we did not get individual bills yet as the lot was not subdivided yet for each unit and this will only be done on XX/XX/XXXX. However, I am only responsible for 10 % of the current taxes. The lender is claiming that my upcoming school tax bill on XX/XX/23 will be XXXX dollars. This is untrue as they are looking at last years bill which was XXXX bill for the whole condo instead of separate bills. Despite this, my lender is now overcharging me in escrows for taxes, resulting in financial strain for me. Additionally, with my next school tax bill being significantly less, my lender will be in violation of keeping more than XXXX of my annual obligations in escrow at any given time. 

Furthermore, I tried to just begin taking care of the taxes myself as the lender was doing a poor job with their analysis but my lender denied my request to waive escrows, and my payment is set to increase by more than {$2000.00} next month ( XX/XX/23 ), which is a burden that I can not afford and will ultimately result in me defaulting on my mortgage. I am extremely concerned about the lender 's actions and the negative impact it has on my financial stability. 

Finally, on XX/XX/23 we received 1 town tax bill for the whole condo which was paid by the condo sponsor attorney on XX/XX/23. The town verified that they rejected payment from my lender and my lender is still claiming that I have an escrow shortage for a payment which they never made!! 

Furthermore, They denied my escrow waiver request saying that my XXXX is above 80 % but my lender clearly has in their guidelines that they are ok waiving escrows even up to 95 % and I am below this figure. 

Please see attached documents supporting my claim. 

I believe that it is the responsibility of regulatory bodies like yours to ensure that lenders adhere to strict standards of accountability and transparency and that consumers are protected from such unfair practices. I respectfully request that you investigate this matter and take appropriate action to ensure that my lender complies with all regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My union bank account was hacked and someone made three wire transfers for over {$12000.00} to a XXXX XXXX account. the bank investigated and they were able to recover about {$470.00}. they are not continuing the investigation and refusing to refund the money stolen from my account. 

the person was able to hack my XXXX XXXX account and have my emails and phone calls forwarded to their phone. They were able to verify the wire transfer requests as the bank calls were forwarded to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I only called Experian Credit Reporting agency to discuss my issue. Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of Experian dropped my credit score while my student loans are in forbearance. The reason they say they dropped my scores because of a credit decrease was reported. On a student loan you can have decrease but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't happen on student loans. I like to provide you the information that my loans are in forbearance.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) 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. XXXX, XXXX, and TransUnion are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) 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 information. XXXX XXXX USC 1681 section 604 a section 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. XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 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, and TransUnion never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.