23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am giving authorization to this company to respond to this cfpb complaint. I have requested that this company cease the reporting of the account stated in the attached dispute letter due to federal violations. Pursuant to the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. However, this company did NOT honor my request for removal. This violates the Fair Credit Reporting Act and both this company and the consumer reporting agencies are participating in this violation. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiries on my reaccredit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I recieved a notice on a closed card for the first EVER time on XX/XX/XXXX. Within XXXX hour of being notified i closed the balance and pay the account in full. I was NEVER given any alert or notification of this. i was charged way too much of a late fee.. almost XXXX percent and again was never notified. i have never been late on a card transcation.
Product: Checking or savings account

I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees, I have incurred. Despite having sufficient funds When transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transactions settled? With insufficient Balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act Comenity Capital/Chld Account # XXXXXXXXXXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Since XXXX, I was living in XXXX for addiction recovery, completely cut off from my phone, bank, and mail. Now back in the U.S., I checked my credit and found fraudulent auto inquiries I never authorized : for transunion XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. 

for experian XXXX XXXX  XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. 

Ive never applied for auto financing or authorized anyone to run my credit. I believe my former friend, XXXX XXXX, stole my identity and used it while I was gone. 

If this isnt corrected, Ill file a CFPB complaint and pursue legal action. These fraudulent inquiries must be removed immediately so I can move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple dispute letters and also online disputes demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts. They failed to positively verify these accounts. These accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed below. 

XXXX/XXXX  XXXX CC XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX Unverified Account   XXXX XXXX XXXXXXXX/XXXXXXXX XXXX Unverified Account
Product: Mortgage

Starting on XX/XX/XXXX I contacted XXXX XXXX with Cardinal Mortgage about refinacing. I gave him the go ahead on the process and sent in multiple documents as asked for. By the XXXX of XXXX. I had sent in multiple documents I was becoming frustrated. In talking to XXXX he said more than once that the customer assistance people just send out requests on a routine basis not necessarily aware of what has already been received. On XXXX XXXX I paid $ XXXXfor the appraisal. 

The appraisal was done XX/XX/XXXX and according to conversations with XXXX I had submitted enough documentation even though I kept getting requests from their assistance people. 

The closing date was supposed to be the first week of XXXX and now the rate lock has expired. I have tried to contact XXXX all this week with no response and called the corporate headquarters in North Carolina with no response. 

I believe they are dragging their feet since the rates are going up because of the govt stopping the influx of money into the system, inflation and whatever and not wanting to follow thru with my XXXX rate. 

I became so frustrated during the process that I threatened to pull out of the deal myself more than once but never did and if they had taken that seriously they wouldn't keep sending me emails requesting more documentation. No doubt my complaint will be refuted by them citing all the requests for additional docs but again, when I talked to the loan officer XXXX XXXX XXXX XXXX XXXX in Az. he assured me that " we were fine ''. 

If they had heeded my threat to pull out of the deal I wouldn't have received an additional request as recent as this XX/XX/XXXX. 

The only files I can attach are all the financials they requested which I don't necessarily want to send. Here is the latest email requesting more docs. 

Hi XXXX and XXXX, You have new to-dos for your home loan. Please sign into Octane and complete them as soon as possible to keep your loan on track. 

To access your loan in Octane, click here. 

Thank you, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Cardinal Financial Company | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX If I'm unavailable, please contact XXXX XXXX at XXXX between XXXX XXXX XXXX XXXX XXXX XXXX or email XXXX.
Product: Prepaid card

I was given {$600.00} in AMEX rewards gift cards by XXXX XXXX after giving up my seat on a recent flight. The XXXX ticket agent who walked me through the rewards process assured me that I'd be able to use the cards easily after I expressed reservations about prepaid cards. 

I have been trying since XX/XX/XXXX to use the cards and the only merchant who has accepted the card has beenXX/XX/XXXX. I do not need {$600.00} worth of body products, so these cards have been useless. 

I followed the rules of the card and, since I learned that you can't use multiple cards, haven't tried to make a purchase that exceeded the card amount. When I called the number on the back of the card, I was taken through loops in the AMEX phone system, calling all over the world and speaking with representatives who were unable to assist. The system hung up on me several times. 

I am very frustrated. I'd like a check refund for the remaining balance. I have to use the cards by XX/XX/XXXX and it looks like I will be unable to. Please make these cards fair for consumers. It shouldn't be this difficult. They aren't worth it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was stunned to see inaccurate accounts listed. I have no clue where they came from. This is not something I've ever encountered before, and it feels like these discrepancies just appeared out of nowhere. I refreshed my browser, thinking it might be a technical error, but nothing changed. Because of this, I'm requesting that the documents I've sent be carefully examined to prevent this kind of worry from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

First off they have been reporting my student loans as late and they have never been late they have inquiries hard inquiries on there from real estate companies that I don't know where they came from cuz I haven't applied for any house because I'm on XXXX XXXX  and I've been disputing and trying to get them to get it right for the longest my credit score is not what it should be and I'm just so tired of dealing with them is stopping me from doing a lot of things they give me a credit card offers that they say I'll be approved for and I never be approved I'm always denied they lie about a lot of offers and I'm always denied I need help with my credit because I'm trying to further my future and I need my credit to be straight I have a school on there where my identity was stolen and they were supposed to take it off so many years ago and they still have not the school was found in delinquent of overcharging students as it was but I'm not the one who got the student loan and it was from the XXXX XXXX XXXX  so I'm asking for help please I'm tired of dealing with them they don't do anything they're supposed to do at all
Product: Checking or savings account

I use Chase Bill pay for most of my bills and have for years without incident. On XX/XX/22, I made a 400 $ payment for a vehicle using Chase billpay as I always have. For some reason, this time the lender did not receive the funds. I contacted the lender first and showed proof of payment through Chase. The lender did a research request and contacted me 3 days later stating they found the problem. Chase has a 3rd party vendor for Bill pay called XXXX XXXX and my transaction was found on an XXXX list for missing bill payments. She stated Chase would need to retrieve my money through this vendor. So, I contacted Chase. I was transferred many times but was finally about to submit a claim. Chase sent me a letter 3 days later stating there was no error and the matter was closed. So, I went in person to a Chase branch. I gave a banker all of my documents and explained what happened. She called Chase customer support and tried to find a resolution. She was unable to get any helpful response. In fact after she was transferred many times, no one could even tell her who the 3rd party vendor was that Chase uses. She did get them to agree to open another claim, and she faxed all of the documentation to the claims department stating my lender never got the funds from the bill pay transaction. 3 days later, I got another letter from Chase stating the matter was closed. No one from Chase has offered any resolution and everyone I have spoken to on the phone just has an attitude of oh well. So, I am missing 400 $ that Chase refuses to retrieve when the lender I contacted first found the missing payment easily and said it just needed to be researched through this 3rd party vendor by Chase.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX XXXX. I am writing to have the following information removed from my file removed. The items I need removed are listed in the report. I am a victim of identity theft and did not authorize the charges. I ask that the items be deleted as they are affecting my report and preventing me from getting a house. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

My family has been struggling to get our mortgage lender Fay Servicing to work with us to restructure or modify our mortgage loan. Despite dozens of submissions over the last few years we are never able to get a decision. Our mortgage loan is backed by XXXX XXXX and we know there are many programs available for distressed homeowners by offering loan modifications, recapitalization of arrearages, deferring delinquent interest, extending the term, flex modifications or repayment plans. We have had a change in financial circumstances as we now have a tenant in our upstairs unit and believe that Fay Servicing has failed to conduct a review of our ability to pay and loss mitigation options based on this change. We are also concerned that Fay did not offer the CARES act forbearance program to our family, which is required for XXXX XXXX  backed loans if the homeowner was impacted by XXXX and Fay is supposed to provide options BESIDES full reinstatement to restructure the loan. We filed XXXX XXXXXXXX  XXXX because Fay refused to come to the table, but the judge in our case told us that he no longer would allow any modifications in his courtroom and now the bankruptcy is dismissed. We are concerned that Fay and XXXX XXXX will soon auction off our home we have owned since XXXX and not even give us the opportunity to be reviewed for assistance options. We have been told that Fay and their Attorney may be in violation of the recently passed New York Foreclosure Abuse Prevention Act. The original judgment for foreclosure was issued in XXXX but that ruling had the incorrect block, lot and section number. The lender filed a motion for an amended order of foreclosure based on the correct information which was rubber stamped by the court. The new law passed in NY in XXXX XXXX is meant to stop this type of abuse by the court and in this case the statute of limitations has expired and the language explains that the original filings are no longer valid and that the process has to start over. We hope that Fay and XXXX XXXX follow the loss mitigation guidelines and the CARES rules and also the new statute S5473 in New York and that we are given the opportunity to retain our home.
Product: Debt collection

I was offered a settlement with Klarna through XXXX XXXX. I accepted and paid. Klarna has since refused to accept the settlement and is asking to collect an additional payment everytime I log onto the app. I emailed them the copy of the settlement and they said that XXXX should contact them. I called XXXX XXXX and they resent the information to no avail. I would like this balance settled.
Product: Credit reporting or other personal consumer reports

I have attempted to contact XXXX XXXX times by phone during the past 2 months. I am placed on hold for hours, never getting through to a representative. I have left my phone number 5 times and never received a return telephone call. 

My student loan accounts were mishandled and XXXX unlawfully permitted unauthorized access to my student loans data as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did the DODGE BREACH STUDENT LOAN CONTRACTS? ( published XX/XX/year> ). This report raises serious concerns about violations of the FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ( FERFA ) involving XXXX XXXX and associated entities, allegedly accessing and deleting student loan records without proper and lawful authorization. 
As a borrower with active student loan obligati9ons, I am alarmed by the implications of these actions on my financial standing and educational records. FERPA explicitly protects the privacy of student educational records, and any unauthorized alteration or deletion of such records not only compromise my rights, but most certainly violate my security and integrity of my personal financial information. 

XXXX is attempting deflection of their obligations to my as a borrower by not returning calls, having representatives alleviable. Most importantly, XXXX permitted unlawful access by DODGE,
Product: Debt collection

I was originally contacted over the phone by XXXX XXXX  to make arrangements to collect a debt. ( I did not record the date, but it might be over 30 days ago. ) When they told me the amount and what it was supposed to be for I was sure it was n't my debt. They had my SS #, my married name ( though that is no longer my legal name ), a birth day that was close to mine, an email address I 've never used, an address and an employer that were mine, but from the XX/XX/XXXX. 

The company the lease was from was XXXX XXXX XXXX XXXX but i do n't know if that was a brick and mortar store or something online. XXXX said they did n't know either. The Leasing agency was XXXX out of NH. XXXX is out of CA. I live in Indiana, but not in the city that was used on the paperwork. I have n't lived there for almost 20 years. 

After explaining all this to a supervisor at XXXX XXXX I was told that I 'd have to dispute the debt and that they 'd send me something that I needed to respond to in 10 days. They did not send me anything in the next couple of weeks, and unfortunately I had not copied down all this info so I did n't know who to contact. 

Then I received a packet of info from XXXX that seemed to just be a copy of the debt they bought. It said our offices are " in receipt of your dispute '' but be advised we have contacted our client XXXX XXXX XXXX XXXX who has confirmed the name and address listed on the account as well as the amount owed '' There was a toll free number from XXXX which I called. It was late in the day on Friday after XXXX. I got a very confused sounding man with a foreign accent who said I had to call XXXX instead. ( Though XXXX has sold the debt. ) I called and left a message. 

Today XXXX called and was very insistent that the debt was mine and I was just trying to shirk my responsibilities. I asked repeatedly to speak to a supervisor but was told it would not do any good because they knew it was me and I needed to stop lying and just pay. That isnt word for word, but is the jist. Eventually they let me speak to someone who acted more reasonable but told me I had to file a police report and send them a copy. 

I contacted my local police who told me that was n't how it worked and told me to have the XXXX call him. I tried calling back with that information but was put off until later. 

I do n't know what else I should be doing. Do I need to file reports somewhere else? Do I need to contact credit agencies?
Product: Debt collection

I started disputing inaccurate information by sending letters to the credit bureaus ( XXXX, XXXX, and XXXX ) and discovered an old account ( Military Star or AAFES ) which was opened on XX/XX/XXXX close to 30 years ago ( with my ex-military spouse and somehow now it's showing up as my debt ) along with some others reporting negatively against me on XX/XX/XXXX, and again over 30 days later XX/XX/XXXX and XX/XX/XXXX, and recently XXXX. The account Is charged off and showing both closed and open at the same time and the balances are all different ( {$10000.00}, and {$10000.00}, and as of today it's stating the amount is XXXX ). It has been previously verified that the third-party vendor ( XXXX XXXX , XXXX or XXXX ) states they are not reporting on my credit report and can not affect a change to how the original creditor has listed the account on my credit profile. The account of the original creditor ( Military Star ) is with XXXX who is not reporting and is proven the account is being paid and in good standing so therefore the Military Star account should not be reporting on my credit report. Please remove this account. I feel like my rights were violated ( Pursuant Regulation F, 12 CFR 1006.34 ( c ), 15 USC 1692g ( b ) from the date I sent the first letter. My rights have also been violated under 15 USC 1666b and 15 USC 1637 ( b ), 15 USC 1681s-2, and 15 USC 1681 s-2 ( a ) ( 1 ) ( A ).