23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX communications has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instruction Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

HELLO TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!
Product: Money transfer, virtual currency, or money service

I received a paper check from my previous employer ( XXXX XXXX XXXX XXXX )  via mail. I remote deposit it into my account on XX/XX/19. I call the next day ( XX/XX/19 ) to find out why it hasn't posted and when it should. I was advised that it will post the next day. I wake up on XX/XX/19 and see that there is an email from Chase Bank stating there is a hold on my funds until XX/XX/19. When I call to find out why there is a hold on my funds, I'm told because it's not how unusually receive funds into my account and they have to make sure that it will post ... when I go into my account online it shows that it was posted XX/XX/19. They are with holding money that I made and that I worked for. When I asked if it could get cancelled so that I can take it elsewhere to cash they then explain that they would charge me XXXX and I wouldn't receive it back until after XX/XX/19. I have bills that need to be paid and there is no reason why the money I worked for is not being released to me.
Product: Student loan

I HAVE COMPLAINED ABOUT THIS SITUATION FOR 10 YRS IS ANYBODY LISTENING OR WILLING TO HELP. NOW THIS IS SENT TO ANOTHER COLLECTION AGENCY WHICH IS CALLING PPL HARASSMENT GIVING THEM PERSONAL INFORMATION. I DID NOT REPEAT DID NOT GO TO THE SCHOOL I DECIDE I DID NOT WANT TO ATTEND. I HAVE SAID THIS OVER AND OVER. NOW I RECEIVED A LETTER FROM THIS COMPANY ABOUT GARNISHMENT FOR WHAT. I NEED HELP OR PLEASE DIRECT ME TO SOMEONE THAT CAN RESOLVES THIS FOR GOOD. OR I WILL HAVE TO SUE THE COMPANY FOR CONTINUE HARASSMENT AND NOT LISTENING TO THE RESULTS. THANK YOU FOR YOUR HELP, XXXX HELP US AGAINST THESE COMPANIES LOOKING FOR FAMILY MEMBERS AND HARASSING SENIOR CITIZENS EVERYDAY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries below I didn't authorize. 

Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto FinancingXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX Auto Financing
Product: Credit reporting or other personal consumer reports

I recently reached out to Kia Finance in an effort to correct reported late payments. I recently requested a deferred payment and noticed the company reported the payment the next month as late when it was deferred. I also found when reviewing my credit report that they have reported numerous late payments inaccurately. When I reviewed, they continued to report late payments based off of a late fee that I was unaware of that they continued to report as a missed payment. I stated to them that I was attempting to request they updated their reporting to be accurate and fair.
Product: Mortgage

This house was first purchased in XXXX. What happened to the payments that were made from XXXX through XXXX? Ocwen didn't record the assignment to the registers office so why? There are records that show HUD ( XXXX XXXX ) sold the mortgage to XXXX XXXX XXXX not Ocwen. I need legal documents from the company that you purchased the loan/mortgage from showing my balance when it was purchased by Ocwen. I don't think Ocwen took into consideration or documented the correct balance when they received the loan. If I purchased the house for {$34000.00} in XXXX how can I still owe that amount plus more when you took over which was about 15 years later ; once again what happened to the payments I made before you took over?
Product: Mortgage

My mortgage servicer XXXX is bluntly delaying the release of insurance funds needed to repair my damaged home suffered from Hurricane XXXX. 

First I was forced to use a contractor to perform my home repairs, even-thou I have an extensive experience with Home repairs. 

XX/XX/XXXX : XXXX hits, file claimed for roof / siding patio damage. 
XX/XX/XXXX : Insurance check received and mailed to XXXX : {$4000.00} Dwelling For the roof and siding. 
XX/XX/XXXX : Supplemental Claim check : XXXX - Dwelling for interior damage ( mold was found in a bathroom, because of a leaking roof ) and mailed to XXXX. 
XX/XX/XXXX : received via mail check to XXXX : {$370000.00} for interior damage - Furnace no longer works, because of a leaking roof ) we have floor heaters to keep warm, XX/XX/XXXX With supplemental check received a signed contract was provided, to repair leaking roof, yet XXXX denied the contractor XX/XX/XXXXXX/XX/XXXX A new contractor quote and XXXX was sent to XXXX. 

I have called XXXX almost weekly since XX/XX/XXXX, and tried to escalate the release of funds to just at least repair my leaking roof. Always receive their RED tape, their inspectors are reviewing my files... etc. On XX/XX/XXXX I spoke to one of their managers who stated a check was to be sent overnight, and I should have a check to start my roof on XX/XX/XXXX, it is now XX/XX/XXXX and no check has been received.
Product: Debt collection

I called XXXX XXXX XXXX on XX/XX/year> to ask to send me via email proof of my payment history and how I owe them. I never received it. When I closed my account in XX/XX/year>, I was told my bill was paid in full and as long as I sent my wifi equipment back in a timely matter, nothing was owed. The sent all equipment back via XXXX and received notification that it was delivered back to the company. Now I received a notice from a debt collector saying I owe XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reporting has violated my rights under Fair Credit Reporting Act Under - 15 USC 1681 -6028 - Right to Privacy and 15 USC 1681 - 6042 - Right that I most give written permission Under these two violation I am requesting they be removed from my report
Product: Debt collection

Dear CREDIT COLLECTIONS, I am writing to formally dispute an alleged debt of {$840.00} related to XXXX XXXX XXXX that appears on my credit report. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 

This claim violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe your actions infringe upon my rights under : 15 U.S.C. 1692e : Prohibiting false, deceptive, or misleading representations in connection with debt collection.

15 U.S.C. 1692f : Prohibiting the use of unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S.C. 1692g ( b ) : Requiring proper validation of the debt and notification of my rights. 
15 U.S.C. 1692d : Prohibiting harassment or abuse in the collection of a debt.

To resolve this matter, I request the immediate removal of this account from my credit report and demand the cessation of all communication and collection activities, as provided under 15 U.S.C. 602 ( a ).

Please provide the following documentation : Proof of your authorization to collect this debt under 15 U.S.C. 1692e and 15 U.S.C. 1692f. 
Legal basis for the collection of this debt. 
Proof of your authorization to operate in my state. 
Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
Complete account history, including all collection-related charges. 
Your prompt attention to this matter is required. Failure to comply may result in further legal action to protect my rights and interests.
Product: Credit reporting or other personal consumer reports

This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : 1. Proof of contract to establish that your company was entitled to enforce a commercial claim against me.

2. Provide me a certified copy or an original contract, with my signature.

a. Certification can be done through the presence of a Notary Public, who duly swears that the copy is a copy of the original contract in question.

3. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place.

a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. 

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today spoke with XXXX in dispute department. I stated I have received an alert on dispute update. I disputed XXXX XXXX for late payment I was never late and for XXXX XXXX  inquiry removal. XXXX told me that they stated that the information was certified and correct I told her that is impossible because I have my statement and what documents did they prove she stated none and they do not have to do that. Which means a creditor can just prove false information and they certify it to be true and affect consumers credit profile. I want them to be fined for ruining consumers credit profile without legal documentation to report negative information to tradelines. Also for false scoring calculations and not updating consumers profile when things are scheduled to fall off report profiles. Credit bureaus are the biggest schemes out here. Credit scores are not the same as lender when we purchase FICO score lenders are different. I want all negative information removed immediately.
Product: Debt collection

My Information was used without my consent and fraudulent accounts was opened up using my name, credit cards, utility bills, phone lines, I have spoken to these companies numerous amount of times and explained the misunderstanding and even sent them proof and they haven't resolved anything in my favor, I am contacting you guys so you guys can assist me with this matter because these fraudulent accounts are hindering my credit score and life and is holding me back from moving forward with life.

( 1 ) XXXX XXXX XXXX XXXX {$1000.00} ( 2 ) XXXX XXXX XXXX XXXX {$120.00} ( 3 ) XXXX XXXX XXXXXXXX {$17000.00}
Product: Credit card or prepaid card

I had bought a TV from Walmart and the 3rd party company XXXX with my Capital One Bank Card. The thing is that I want to return the merchandise do to being the wrong TV. I contacted Walmart and Capital One to open dispute and return the item. Capital One told me to wait for XXXX XXXXs to contact me within 48 hours and that they was a case XXXX XXXX. That they were going to fix the issue. I have been emailing the 3rd because they never called or send me the label for the return. Now Capital One tells me that the case is close and all I am asking is for a refund and return TV. XXXX XXXX  told me that the case was close as well, they never called or emailed me back. Need to know if something can be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last two years or more, I have tried to get a response from EQUIFAX. Their credit score with exactly the same information as XXXX, is 120 points lower. XXXX IS XXXX  EQUIFAX IS XXXX. The information in the report is the same but since it is the same there is no way to dispute their score. XXXX IS XXXX. Again the same information. How can I get them to adjust the score to within the same number as everyone else. There would be no reason to have such a difference and i would like it fixed.
Product: Credit card or prepaid card

I continue to receive credit card offers from CapitalOne at my home address. This is an issue from several perspectives : 1 ) Mail Theft - Someone can steal the promotion and with enough information obtain a credit card in my name without my knowledge. CapitalOne offers a " personal application code '' to make stealing my identity even easier 2 ) I have called and opted out of CapitalOne solicitations and yet I continue to receive these offers. I have NOT done business with CapitalOne for over 15 years because of their abusive credit business practices 3 ) I have  submitted the form with my name from the XXXX website to be permanently removed from all credit solicitations. All OTHER credit card companies have stopped sending solicitation yet CapitalOne apparently IGNORES this request 4 ) There is no CLEAR way to opt out of CapitalOne solicitation either in the mail solicitation or on-line. If you search online for CapitalOne and opt out you will see this frustration with various suggestion on how to opt out but no CLEAR way to do so
Product: Mortgage

PennyMac states it takes UP TO 60 days to process an assumable loan. It has taken 94 days to date. 

The loan was scheduled to fund XX/XX/year>. Now the loan won't be funded for another 5 days post closing. 

Calls after calls.. no answers .. no resolution. 

Their customer service department either places me on extended hold and returns with a scripted answer, or hangs up. 

I have asked for supervisors multiple times, but get handed off to coworkers. 

The names given are unreachable. 

The funding department has no contact information. 

The Title company unable to reach the people who send emails. 

I am unable to reach the 'loan officer ' XXXX XXXX XXXX .. XXXX No one ever answers that phone.. there is no voice that comes on identifying the number as PennyMac. The recording has no identifying information. 

The Assumption Department ( XXXX ) XXXX .. just answers the phone and brushes me off with scripted answers. 

I did NOT choose PennyMac to be my loan service provider. They purchased my loan from who I set up my initial mortgage through. 

I would NEVER choose PennyMac as a mortgage company.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX, Perhaps I am too wordy when i write and that is what takes you off point so let me be direct. 

On the three XXXX cards. 1 out of the three is 23 years old and you have been trying to collect on this. It is a 23 year year old identity theft credit card and you are still trying to collect on this up until last XXXX Why?? The other two XXXX are almost as old and you were trying to collect on them up until XX/XX/XXXX. Back in XXXX XXXX XXXX and I spoke and she was sent a letter sent to her, the FTC Affidavit and the XXXXPD report. So you knew that this was identity theft .Yet you continued to report me like I was some deadbeat. You knew I owed no money on these cards yet you continued to try and collect on them until XXXX of XXXX. Your company has never reported anything correctly keeping the damages rolling forward and growing larger. You have caused cumulative damages by the way you have reported me and yes there were double reporting on the same card in the same year. 


How are you going to fix this?? 


Next is LVNV XXXX XXXX. 

Please tell me how you are collecting on a credit card that is not mine? You are collecting on a credit card ending in XXXX. My credit card arrived and was activated in XXXX. By XXXX my card was cancelled you can see this on the statements I have sent. So again my question is how can you collect on a card XXXX and then switch to XXXX? And no matter how XXXX tries to explain it, it makes no sense. I am not the owner of XXXX. any charges related to XXXX are the person who owns this card go find them its not mine. My card XXXX arrives and is activated in XXXX. New cards come with a XXXX  balance last I checked. Mine arrives and the balance from XXXX and all the late charges and fees are dumped onto my card. SO my XXXX never has a XXXX  balance ; it arrives with charges. I don't use it and never charged a XXXX to this card so it should have remained a XXXX  balance. And the card is shut down in less than 4 weeks. XXXX says but the company made these adjustments '' yes but that never got my card that I owned for a month down to a XXXX balance and the company continued to smash our cards together so it's a mess I agree with you there but look at the statements and it becomes very clear that a mistake was made and I owe nothing. But once again you report me as a deadbeat you call harass, phone the neighbors are very difficult to deal with. I don't know if you just don't want to be wrong? I am not sure what LVNV Resurgents issues are but me being in this mess is not a place I care to be
Product: Credit card

Discover card stated they sent an email informing me that my auto-pay was from from my card, resulting in a late payment. They also advised that they sent late payment email and I never received anything. I asked for proof which was denied. I currently have a late payment on my credit which resulted to their error and I want it removed immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit inquiry for XXXXl XXXX credit card in XX/XX/XXXX. I was notified in XX/XX/XXXX that the hard credit inquiry was pulled. I called the bank to dispute since I didnt apply for the credit card and believed it was fraudulent activity. The XXXX XXXX bank sent the letter to let me know that they cancelled the credit inquiry since it was a fraud to all three agencies. However, Equifax never removes the inquiry and I have tried to disputed that with them 3 times. I faxed the copy of the letter from the XXXX XXXX bank to support my claim but still not fix. I would like to file a complaint against Equifax for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information and items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXX XXXX XXXX XXXXXXXX : {$540.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  ) XXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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