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

15 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 XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 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.
Product: Vehicle loan or lease

well from the very first day when I bought this new vehicle I was getting calls from these people or loan company and every day since they call me about 15 times a day and I have a business to take care of and this why I have truck to work with because I need it to do business for my company and if they call me every time I will not get my work done and right now I been doing my best to get ahead of what is going on with my complete financial problems due to a woman which I got mess up with and trust me, I am not trying to do nothing wrong to my loan people who finance my vehicle, but I feel they are hassasment me on these matters each day when they call me over 15 times a day, please have it stop
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is saying I owe them {$680.00} and I dont know have any knowledge of using their services for anything.
Product: Debt collection

debt was reported to  XXXX , no prior knowledge of debt.    AMSHER COLL R eported on  XXXX   XXXX ,  XXXX  {$1700.00} Account Details Last Reported  XXXX   XXXX ,  XXXX  Collection Agenc y AMSHER COLL Origi nal Creditor  XXXX   XXXX   XXXX  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1100.00} Remarks Placed for collection
Product: Credit reporting or other personal consumer reports

I can not get any credit in my name. Because my credit don't excites.
Product: Student loan

I attended XXXX College XXXX XXXX campus from XX/XX/XXXX-XX/XX/XXXX. The school had me take out a XXXX Loan. When the campus closed i was still paying on my XXXX loan, when XXXX closed down they changed to another company that i cant remember the name of and then changed again to XXXX XXXX XXXX ( XXXX ). My XXXX Loan was approximately {$4900.00}. Currently through XXXX i owe {$4300.00}. I tried explaining to XXXX that a school FORCED me take out this loan and i was unable to make the minimum payment and also me being in school and the loan company told me since it was a private loan they dont do deferments so i was going to have to find a way to pay for the loan. I currently get 3-4 calls per day from this company. Being someone who was fresh out of highschool i wasnt really given a rundown of why i had to pull out this loan and not knowing any better to ask i just signed it.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : GoldCar Lending Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Account # : 2003 Dear XXXX : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report please. I called police and got contact with FTC. These are the items I need help removing : XXXX XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding persistent inaccuracies on my credit reports and suspected identity theft. Despite my best efforts to dispute these inaccuracies with the credit bureaus, the issues have not been resolved, and I am deeply concerned about the fraudulent accounts listed. 

The details of my complaint are as follows : 1. **Inaccurate Credit Reporting** : On my credit reports from [ Name of Credit Bureaus, e.g., XXXX, Experian, XXXX ] XXXX I have identified several inaccuracies, including but not limited to [ Specify the inaccuracies, such as incorrect account information, late payments, etc. ]. I have attached copies of my credit reports highlighting these discrepancies for your reference. 

2. **Fraudulent Accounts** : I believe I may have been a victim of identity theft, as there are accounts listed on my credit reports that I have no knowledge of, and I have not entered into any contractual agreements with these creditors. These fraudulent accounts include [ XXXX, XXXX XXXX, 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 

I have taken the following steps to address these issues : - I initially contacted the credit bureaus and submitted disputes to have these inaccuracies corrected. 
- I have also contacted the creditors associated with the inaccurate and fraudulent accounts, and I have requested verification and investigation. 
- Despite my efforts, the inaccuracies persist, and I am facing significant difficulties in obtaining credit and financial services due to these issues. 

I am seeking your assistance and intervention to ensure that my rights as a consumer are protected and that the credit reporting system accurately reflects my financial history. I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. 

Enclosed with this letter, you will find copies of my credit reports, as well as any supporting documents related to the fraudulent accounts and inaccuracies. 

Please provide me with a written response acknowledging the receipt of my complaint and inform me of any actions taken to address it. I can be reached at XXXX or XXXX for any further communication. 

I greatly appreciate your attention to this matter and your dedication to safeguarding consumer rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I noticed 2 charges on my credit card that I did not purchase. Both charges state it was coming from XXXX. One charge is for {$460.00} on XX/XX/2020 and the other charge is for {$750.00} on XX/XX/2020. I initially thought XXXX made a mistake so I called XXXX first and the rep told me that they do not even see charges for these 2 amounts in my XXXX account. I also checked my XXXX account online and no charges of {$460.00} and {$750.00} were ever made. I called my credit card XXXX on that same day XX/XX/2020 and spoke with a rep named XXXX ( or XXXX ) and he was somewhat helpful. XXXX reported the two charges to their fraud department and he refunded me interest for the month of XX/XX/XXXX since  I should not be charged interest for purchases I did not make. Then, on XX/XX/2020 I received a letter in the mail from Barclays fraud department stating there was " not enough information provided to create a case ''. So my issue is not resolved and they just decided to close the case. Barclays never even asked me for my XXXX account statements. The Barclays rep XXXX did not even mention to me to send my XXXX account statements. I kept asking the rep XXXX, how the fraud department will handle my case and he said " just wait until we contact you for the next steps ''. But, they just closed the case without asking me for the next steps. I could have provided them with my XXXX account statement clearly showing there were no purchases with the amounts of {$460.00} on XX/XX/2020 and {$750.00} on XX/XX/2020. I called Barclay on XX/XX/2020 to try to resolve this issue but the rep this time told me she can follow up with the fraud department and I will hear back from them. The rep sounded very uninterested in helping me, so I wasn't sure if she was going to be diligent about my follow up. So, I called Barclay again today XX/XX/2020 and this time I was on hold for 3.5 hours and could not get through to anybody. It is extremely hard to get through to Barclay it  takes me 45 mins to 2 hours to get a hold of someone, but today I was on hold for 3.5 hours and could not get a hold of anybody. This is a horrible way to conduct business. They have no email. I have tried their live chat but the live chat says I have to call customer service to report fraud. How can I get my issue resolved when Barclay has horrible customer service! I have a feeling they are avoiding me. Also there is a huge language barrier because the customer service reps aren't very clear when they speak English which makes it very difficult.
Product: Student loan

I p ay Navient ( fo rmerly  XXXX   XXXX   ) with  a direct monthly scheduled payment from my bank account. I went to refinance my home in  XXXX   XXXX ,  XXXX  in  XXXX  or  XXXX . I was told  XXXX   XXXX  said I was delinquent  for seven mo nths. I checked my bank records and say I had paid every month. They were say ing one month I was  x number of dollars late and it always a different amount, no explanation, I made an appt. and when I got there was told " no it is next we ek '' WRONG. I c alled and called and finally I filed a claim in small claims court asking for {$1.00} and my credit being cleared up. They cleaned up my credit ( never a {$1.00 } ) by the  way.   Recently I am seeing the same thing. I pay the agreed upon directly scheduled monthly. Now they are saying I am x number of dollars delinquent again. I called recently and did not receive any satisfactory answer. I then mentioned I was unemployed and wanted a temporary deferment. I was told that could not happen until I defaulted. I value my credit and want to get this settled once and for all. I went to  XXXX  for two years and graduated in  XXXX , they claim I still owe them over {$30000.00} after ten years.  XXXX  is $  XXXX  a year.
Product: Credit card

I have an open account on my credit report that is not mine. I don't know what this credit card is and I did not open it. It is showing a balance higher than allowed number one and it is not mine. It is and has hurt my credit report because the payment is late. I have never received a bill from this company and I don't even know what this is?? 

XXXX is the name of the company
Product: Mortgage

In 2013 I was given a HAMP modification. I had a company help me, At that time Nationstar was and is my servicer. At that time I reported an income of {$5200.00} per month in gross earnings. They gave me a payment of {$2400.00} that 's almost a 50 % I failed after 5 payments. I spoke to them and what they told me is that I was on a HAMP Tier 2 and that everything was done how it should be. I have never heard of 50 % of income on a mortgage payment.
Product: Credit reporting or other personal consumer reports

For Equifax, the following personal information is incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX For XXXX, the following inquiries were not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX. The following personal information is incorrect : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report three inaccurate public records after multiple dispute attempts online. I have verified with the data furnisher that they do not provide any information to any third parties. Therefore my report contains inaccurate non verifiable information that needs to be removed.
Product: Payday loan, title loan, personal loan, or advance loan

I have repeatedly request both by telephone and by email for this company to not contact me at my place of business. 

Contrary to that they continue to call which is causing me issues with my employer. They need to stop and desist
Product: Credit reporting, credit repair services, 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.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( 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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This account has been paid off, In addition, I did not consent to my private health information ( PHI ) to be shared with creditors or credit reporting agencies, so how did you obtain this information? I requested your Health Insurance Portability and Accountability Act clearance, name of the registered agency company, and license information and you failed to comply. This is violation of the HIPAA Privacy Rule and this needs to be corrected. Otherwise, delete the account below immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments that are incorrectly showing up on my credit report for Lendmark Financial Services. The account number is XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), when a credit report is made, the reporting agencies are required to make sure all the information is as accurate as possible. Ive noticed that Lendmark Financial Services ' account does not follow that rule, as its showing late payments that shouldn't be there. 

I filed a dispute with the credit bureaus on XX/XX/year>, but nothing has been changed or corrected since then. As per 15 USC 1681i ( 5 ), the credit bureaus are required to remove or correct information they cant verify, and that didnt happen in this case. This means theyre not following the law.

Also, according to 15 USC 1681s-2, no company should be reporting incorrect info if they know or should know its wrong. Even after I disputed it, the inaccurate info stayed there. This is a clear violation of my rights under the FCRA.

As required by 15 USC 1681i ( a ) ( 6 ) ( B ), when a consumer disputes information, the credit reporting agencies must provide written documentation of the investigation and results within XXXX days. I am requesting that the inaccurate late payments on this account be corrected to reflect Pays as Agreed and that documentation of the previous investigation be provided to me in writing within XXXX days. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections made and the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail Equifax, XXXX, XXXX on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft
Product: Vehicle loan or lease

I am having problem with the auto loan financed by Santander Consumer USA from XX/XX/XXXX ( loan number XXXX ) .The original loan amount was {$16000.00}. The loan was deceitfully and unfairly originated. I was deceitfully made to buy ancillary products like vehicle service contract worth {$1400.00} and vehicle appearance package worth {$890.00}. The loan was also unlawfully processed because my income residue ratio was inflated and consequently my interest rate was prohibitively high at 21.29 %. This has exposed me to high financial risk as you can see my loan has been on default on multiple times. I have already attempted to resolve this problem by making numerous phone calls, but it has not been considered. 
According to the multistate settlement of XX/XX/XXXX, Santander was supposed to forgive all loans that become delinquent but they have refused to honor that judgement.
Product: Money transfer, virtual currency, or money service

I set up a personal account with Cash App who changed my personal account to a business without closing my personal account. in order to collect fees. Now my account is deleted and I can not get my money out. I have not been able to talk to anyone about it, and AI have not been able to resolve the issue. I was baited into opening a personal account and my account was switched to a business account.