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

I have been dealing with a really bad case of identity theft over 10 years now. Ive been trying to fix my credit and get my score above 750 but it seems like that the credit bureaus dont want to help me out I first the credit bureaus all had my wrong name they had my grandfathers name with my Social Security number my grandfathers name is XXXX XXXX my name is XXXX XXXX XXXXXXXX . I have multiple increase there for multiple banks for multiple loans for multiple vehicles for multiple credit cards all days apart and have no idea where theyre from and I kept trying to contact the bureaus and charge to dispute it with them but they told me to contact each inquiries individually.
Product: Debt collection

My wife I continue to receive these collection letters from ENHANCED RECOVERY COMPANY, LL attempting to collect a debt. We filed them in our bankruptcy petition on XXXX/XXXX/2015. 

They still continue to violate the Federal Bankruptcy Law. I have also notified our Attorney of the collection letters. Please follow up with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters requesting validation of my credit report. I have yet to receive anything i have asked for. Instead of providing me with the proof of verification which is a violation of FCRA section 609 ( a ) ( 1 ) ( A ), Their required by federal law to verify- through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT of all accounts posted on a credit report. A letter was sent out for me to verify my identity. The correct documentation was sent and I have yet to receive any of my request. My credit report was updated with dispute resolved and completed investigation which is a lie. Method of verification, the original contracts was never sent to me, the account being deleted from my report, account being updated and a copy of my credit report showing these changes being sent to me.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$480.00} XXXX  XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have asked numerous times for a different repayment option, or an extension for temporary deferment due to a strenuous repayment plan of {$770.00} a month. Regarless of paystubs, W-2, monthly expenses lists, and other financial assistance I have showing I am unable to keep this repayment option I am being told I have no choice but to pay the loan amount due. No-one at XXXX XXXX University XXXX XXXX XXXX XXXX is willing to help me so that my life is not severely affected by this. I am a single mother trying to pay this every month and experiencing extreme mental health issues over this with no care in regards from the lender or finance company they sold me original loan company over to.
Product: Checking or savings account

I am writing to express my significant concern about a problematic feature in the user interface of US Bank 's online bill payment system, which has twice led to unintended financial consequences. 

In its current design, when a user creates a new bill payment and has not previously chosen a default account for payment, the system automatically selects the first account from the user 's list. In my case, this has been a savings account that I did not intend to use for these transactions. This automatic default mechanism contradicts the user 's autonomy in making explicit choices about their financial actions. 

As the current setup stands, the system doesn't provide an empty default state, requiring users to actively select the account they want to use for payment. Instead, it prematurely pre-fills the account selection field, which can lead to unintended transactions, especially if the user overlooks this pre-filled information. 

This issue has twice resulted in an erroneous deduction from my savings account, amounting to a total of {$92.00} in fees. Although US Bank has refunded these fees, this situation underscores an inherent flaw in their system design that can potentially lead to similar issues for other customers and unfairly increase US Bank 's income. 

In the realm of banking, I firmly believe that there should be no default values attributed to financial transactions unless they are expressly specified by the customer. This would minimize risks associated with erroneous transactions and strengthen the overall user experience. 

The current system behavior, as it stands, is not acceptable. Therefore, I strongly urge US Bank to review and revise this functionality to prioritize explicit user selections and XXXX  against unwarranted financial consequences.
Product: Mortgage

I had waited months to get my Loan modification docs, finally got it and waiting for the bank to update in their system so I can start making my payment regularly, I was advised by one of the representatives that it could take months which is unacceptable.
Product: Credit reporting or other personal consumer reports

This account ( XXXX XXXX Account Number : XXXX ) was charged off on the following date : XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On Experian the date last active is XX/XX/XXXX and on XXXX its XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX  % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Debt collection

National Recovery Agency address XXXX XXXX XXXX XXXX, PA XXXX Has been reporting a collection account on my credit reports in the amount of XXXX I have never done business with this company and this company does not have a contract with my signature.
Product: Debt collection

I have no idea what they think I owe them or why, ( and I don't care and I don't care about their threats to damage my credit rating. Even if they try that, they can't hurt me in that regard ). I have never had any dealings with them. However, many years ago they did withdraw about {$25.00} per month from my checking account at my bank up to about {$500.00} before I caught on to it. My bank claimed they didn't know who or what institution was doing it and they couldn't ( wouldn't ) even tell me where the money was going, but I don't believe them. I found out by accident a couple of years later when I was contacted by Synchrony Bank, the institution that is harassing me now and that took the money. My bank wouldn't help me recover the stolen money either, because after the 2 latest withdrawals the time limit for them to act was past. They only recovered the last 2 months ' worth of thefts from my account. After claiming to not know where it was going, they managed to recover 2 months ' worth. They can't explain that.

These people have been calling my cell phone 2-3 times per day for several years now. I block their number every time but they are still able to call and leave messages. I never answer their calls. When I did answer a number of times, I told them to stop calling me, but they ignore my requests.
Product: Debt collection

I get multiple repeat calls about the money that is owed DAILY. once I finally come around to scheduling a payment, all is well. Now when I try to get BACK in contact with them to change a payment date due to being in the middle of transitioning jobs, I get no call back or responses. I have called three times on three separate days and left two voice messages about my case and nothing. Now I'm going to be over drawn in my account resulting in a late rent and backing up other important bills including groceries for my family. I am very upset and scared. I tried to do the right thing and this is what I get.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts XXXX XXXX, Acct. No. XXXX ; XXXX XXXX, Acct. XXXX ; XXXX XXXX Acct. XXXX ; XXXX XXXX, Acct. No. XXXX ; Inquiries XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX ; XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These have violated my rights. 

15 U.S.C. 1681 section 602 A States that I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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 card

This is a southwest Chase business credit card that I did not open and was opened fraudulently and I didnt realize that this account was open because it did not show until the account became delinquent. Thats when it showed up on my credit report in XXXX and that made me aware that they was a credit card opened in my name without my knowledge or authorization and its fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND XXXX XXXX XXXX XXXX XXXX to a willing person, it is not a wrong CAINE & WEINER company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You CAINE & WEINER knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Credit reporting

I have been waiting since XXXX XXXX for my annual credit report from Equifax. 
Equifax claims they mailed credit report on XXXX/XXXX/2016. Nothing received to date.. 
Four months is long enough to wait for my credit report from Equifax. 
There is no person customer service telephone number for Equifax.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from a friend with a recommendation to apply for the Delta Gold credit card with American Express. Using the link, I applied for the card and received my first membership email from American Express on XX/XX/XXXX. The special rewards offer at the time was that I could receive XXXX XXXX points if I used the card for {$3000.00} worth of purchases within the first three months of applying. I completed that requirement by XXXX, but by XXXX I still hadn't received those points. 

When I contacted customer service the first time ( in XXXX ), the representative told me that the points should be applied within 4-6 weeks, and gave me a bonus of XXXX points for the inconvenience. Six weeks passed and I still hadn't received my XXXX points. I called again, and was told by another representative to call back a week later. I did so, and was again told to just keep checking back. That was about a month ago, so tonight I tried calling one more time and was put on hold for about 8 minutes before the call was dropped, either because the phone had been on hold for too long, the representative was just hoping I'd hang up, or there was a bad connection somehow. Regardless, I am so tired of making phone calls about an issue that should have been resolved almost six months ago. If I fulfilled all of their requirements, then there shouldn't be any problems with American Express upholding their end of the agreement.
Product: Debt collection

Company did not provided me with any information when asked for a validation of debt because the account is almost 4 years old, company has been reporting inaccurate information to my XXXX  report. Southwest Collection Services has never contacted me in any way shape of form. They are threaten to damage my credit by report higher balances, neither the original creditor or the collection agency will validate the debt, I filed a dispute with XXXX  and they responded by saying the debt is accurate but won't produce any other information.
Product: Debt collection

On XX/XX/year> I notified SUNRISE CREDIT SERVICES via email that they were reporting an account that was a result of IDENTITY THEFT. In this email I provided a copy of the FTC IDENTITY THEFT REPORT, my DRIVER 'S LICENSE, and SOCIAL SECURITY CARD.

I have requested that this account be removed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) as it was a result of IDENTITY THEFT.

I'm filing this report, so CFPB has record that I have attempted to get this debt removed. Included in this report will be a copy of the following : Driver 's License Social Security Card FTC Identity Theft Report
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns about the way. XXXX is handling disputes particularly in light of the recent CFPB in highlight of the lawsuit significant issues with the platform despite using XXXX multiple times and reporting discrepancies my financial and Zelle failed to investigate my claims
Product: Student loan

Mohela is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Mortgage

After numerous calls regarding Selene Finance to send me the assumption package I requested, today ( XX/XX/XXXX ) was the first time Ive been told this couldnt happen. I was transferred loan providers ( from XXXX to Selene Finance XXXX in XX/XX/XXXX. 

I can no longer pay my mortgage due to me being on resurrected income. My daughter will need to assume my FHA loan, keeping the interest and remaining balance and continue payments on the house. Her and husband will be living on the property. 

With my previous servicer ( XXXX ) I was in the middle of the assuming processing. According to once of Selene Finances representatives, Selene Finances requirements for assuming a mortgage is Death, Divorce, and Incarceration. This is certainly not the case with other companies, considering we were able to start the assumption process a few months prior. The loan I have is FHA, and considering I am transferring to loan to a direct family member who has good credit, there should be no pushback.
Product: Vehicle loan or lease

I have been having a problem with Bank of America since I filed Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Before, during and after Bank of America continued to auto draft my checking account for payment. I understand the the bank touching my checking account while bankruptcy is in process that is illegal. Did not matter to Bank of America. 
I have previously filed a complaint against BOA for not reporting on my credit files. Anyway I pulled my annual credit report on XX/XX/XXXX to see that BOA has been reporting this car note as derogatory and that it was charged off in bankruptcy, not true. I had the vehicle in this matter until XX/XX/XXXX when I traded it in to get a more economical vehicle. At that time BOA was paid in full by XXXX XXXX. I received a letter from BOA stating my loan was paid in full XX/XX/XXXX. This is correct, however they did not do any reporting to credit agencies to reflect this. 
I received a letter from BOA XX/XX/XXXX after I called to complain and it stated their credit reporting was accurate.After receiving that letter I went to BOA with, the paid in full letter, my bankruptcy report and the credit report showing them their error. I knew the local branch did not have the power to resolve this but they could get the information heading in the correct direction. 
For the last 6 years my credit report has shown this negative entry, which has hindered my ability to get credit. 
I feel BOA thinks they are above the law as they took funds from my account during the bankruptcy process. The amount is over {$1700.00} they were not supposed to get. 
The Bankruptcy Judge did not re-affirm the vehicle due to my income but the vehicle stayed in my possession until I traded it in XX/XX/XXXX. 
I can not get them to understand this information is incorrect and can not get it corrected without help. 

I have supporting documentation for this complaint which will prove undeniably they are at fault. I do not know where else to turn.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

In 1999 I lease a truck from Ford motor credit upon return the truck after the leased ended they charge {$4500.00} for damages which I forwarded the claim to my insurance and they settle with Ford credit. I started a new job after 25 years. This fraudulent law firm XXXX XXXX XXXX started garnishment of my wages total to {$8000.00} as of date. I contacted Ford credit they said the load or charges have been written or charged off 23 years ago. This group of XXXX  and criminal entreprise need to be stopped. They claimed to be a law firm but a scam entreprise who with the help of the local judges are running a criminal entreprise
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX/XXXX, XXXX, XXXX  XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Equifax XXXX