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

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX  Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) Account # : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under the 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$740.00}, XXXX XXXX  XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) XXXX XXXX FUNDING ( Original Creditor : 01 XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX BANK XXXX XXXX A ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ditech gave me written approval for a loan modification, then came back right before the third trial payment and stated VERBAL by way of a phone call that they modification should have not been approved ; stating that there was a glitch in the system why it got approved. I have submitted all of the trial payments on time, then they voided out the modification and it was apparently listed as cancelled in the system because it would not allow their customer service representatives to process my XXXX XXXX, 2017 payment. I called several times, leaving messages in the mailbox for the account representative assigned to my case, and also the the non-profit company that assisting me with the making home affordable program contacted their contact personnel by email on several occasions without any response. I called back on Tuesday XXXX XXXX, 2017 and demanded to speak to a supervisor. At that time I was informed that " the underwriter went in and placed some notes '' in my file. I was then able to make the XXXX XXXX, 2017 payment. 

Ditech has been very fishy with responding or giving information or clarifications when requested. In addition cancelling the modification twice with no concrete reasons, or justifications, then blocking the account so that payments can not be made? i have then all that is being requested of me ; as within my abilities to secure a modification.Then to make matters I was advised that they had a pending sale date of XXXX XXXX, 2017.
Product: Credit card or prepaid card

Attach evidence to substantiate my claim. I submitted a remittance coupons as payment to my credit cards. Under Section 242 of Title 18, Deprivation of rights under the XXXX of law, Capital One violated the rights given to me by dishonoring my presentment and then closing my account. Under the postal rule the coupons were not returned therefore was accepted as payment. In addition Capital One did not comply with the Equal Credit Opportunity Act 's requirement to provide a statement of specific reasons for adverse action.
Product: Credit card

I have an account with AAA XXXX XXXX XXXX since XXXX. About a year ago I placed this account on auto-pay since I trusted them and this card had the best APR. In XXXX of XXXX ( XXXX ) I noticed late fees and started checking back into my account. I call Customer Service and they only returned XXXX of the late fees. The total still left on the account, when I checked XXXX/XXXX/XXXX, was {$310.00}. They were taking the payments out 2 day after the due date. I did not ask for any specific ic date of the month ; only requested auto pay. 
I called several time to address this issue and ask for return of late fees. Dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( XXXX late fees returned ), XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I spoke with XXXX XXXX who opened a case # XXXX which would ( per his supervisor ) research and return ALL late fees. He also said someone would call me about this case. On XXXX/XXXX/XXXX I was told the case was still under review. As of today no further refunds have been made to my account and no one has called me back.
Product: Payday loan

I took a loan from " Radiant Cash Loans '' for {$600.00}. The monies were credited to my bank account on XX/XX/2016. 
To date, I have paid a total of {$1300.00} and per Radiant Cash Loans customer service, I have an outstanding balance of {$460.00}, which means out of {$1300.00}, only {$130.00} has been applied to the principal amount. 
I have since realized that online/payday/tribal loans are illegal in the State of PA where I reside. And, any lender can not charge more than 6 % interest. 
On this loan, that would be the Principal : {$600.00} plus 6 % interest : {$36.00} Based on PA law, I have overpaid by {$750.00}. 
Also- I can not see my account balance, loan document or proof of payments on my " online account. '' I have had to request proof of payments and balance from customer service, which can take a long time. They say that their website is " undergoing maintenance. '' It has been like this for the life of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Ally financial is contacting my ex husband and who knows what other people they are contacting connected to me but I told them the only number they can call is me. Ive already paid them half the balance due for this month and set up a payment scheduled to be taken out for the remainder due for this month next week. They are harassing me and anyone previously connected to me.
Product: Credit reporting

Since XXXX 2014 Equifax has not responded to my numerous requests to investigate, verify and remove an account from my credit report that was opened fraudulently.
Product: Payday loan, title loan, or personal loan

I got into a loan agreement with Riverbend Finance , LLC on XX/XX/2019. I am now in a financial hardship and can not make the payments. I have tried contacting this company through email to try and re-negotiate the loan to lower interest rates and payments but they are refusing to work with me. I borrowed {$600.00}. I was charged an interest rate of 648.75 % with 7 payments of {$240.00}. So far I have paid {$740.00} towards this loan. If I continue on with the current payments, I will have to pay a total of {$1700.00} on a {$600.00} loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX to get a Car and they told me that they ( XXXX XXXX XXXX ) would run my credit for the Car I chose, instead they gave my information to 8 or 9 different Banks and Credit unions to run my credit. I did not authorize them to give my information to third parties. There actions caused a lot of hard inquires on my credit report, which dramatically affected my credit score. The names of the companies are : 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 XXXX  is showing that the account UPGRADE INC XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, AZ XXXX has a missed or late payment, this is false, i will provide bank documents that will show i never have missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account.XXXX XXXX XXXX Please investigate and provide proof with Statements showing that these payments were late. If proof can't be provided I demand this payments be updated to on time as they should be as I was never late. I demand that this account be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acc # XXXX date XXXX XXXX ( closed ), ... in accordance with the fair credit reporting act XXXX # XXXXhas violated my rights!, ... 15 U.S.C.1618 section602A states that i have a right to privacy ... 15U.S.C.1618 section604A also states a consumer reporting agencycan NOTfurnishan accoun without my consent and/or instruction and i did NOT give it to them..
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in my account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

ON XXXX/XXXX/2017 I received a call from a young woman advising me that I have a pending lawsuit against me. She could not tell me what for, but she terrified me saying that I would have sheriffs serving me in the next two hours. I asked what was it for she said she did n't know but it was for a debt. I told her I could n't be home to be served and she told me I better reschedule or they will think I am trying to avoid them. I asked her what address and she gave me an address 3 years old and I never would have received any documentation regarding this lawsuit. She said since i was n't aware of the debt that I should contact XXXX XXXX at XXXX which is the number for XXXX XXXX XXXX. When i called I explained I have no idea what this was about and the gentleman XXXX stated it was for a credit card and the amount due was {$880.00}, he then advised me if I paid today it would only be {$380.00}. He then proceeded to tell me if I pay today there would be no lawsuit and it would be canceled. So i paid it. <P/>I thought about this last night and realized it seemed odd that everything just came out of nowhere and they would have received returned mail since i have n't lived their, so it ultimately made me realize it was a scare tactic that i fell for. I ran the address for XXXX XXXX XXXX and it was a XXXX XXXX i then called and asked for a copy of the canceled lawsuit documents and was told there was n't any and that no sheriff was going to serve me but a courier. I advised him that this seemed like a tactic to get me to pay a bill and advised him I would be filing a formal complaint on the tactics used, he said the company that called me was a 3rd party they hire them to do it and they have no control over what they say, i simply explained you hired the other company to represent your company and you ARE responsible for the methods and tactics they use. I ended the conversation advising him i will file a formal complaint and said goodbye.
Product: Mortgage

The name of the current holder of mortgage is Caliber Home Loans INC., number of contact XXXX XXXX and XXXX XXXX. is their representative as attorney number of contact XXXX XXXX. I simply put in for a request of payoff and it was to be sent to fax number XXXX XXXX attending XXXX XXXX XXXX. located in XXXX Massachusetts close to 4 weeks ago. 
My name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, Massachusetts XXXX. I am a current tax payer of XXXX years of age. I am simply looking for a payoff amount but they both have refused to provide me with one for up to four weeks, I have discussed this with many of their employees and they have strung me along and lied outright stating it was sent we have it but cant issue it to you and then others are stating that it was not sent over yet, Sent but will take 24 hours by fax. I have a number of credible witnesses that can give sworn statements as I have discussed these matters over a speaker phone line. Even had a conversation with Attorney XXXX on the line with XXXX XXXX. but all empty promises of completion. What can I do???
Product: Student loan

I submitted my completed application for loan forgiveness ( attached ) on XX/XX/21. The document was denied on XX/XX/21 for reason stated in the attached document, none of which match the document received as it states several items are missing when they are clearly present on the document submitted XX/XX/21. An additional document was submitted on XX/XX/21 ( attached ) and a phone call was placed by myself to Fedloan. When asked about the denial for the original document submitted XX/XX/21, the reason given was that " the employer filled out more than they needed to, '' which is not a reason stated on the rejection denial letter. When asked about the new document submitted they stated it would be processed and I implored them to figure out what happened with the first document so the same would not happened with the next. When calling XX/XX/21, another reason for the initial denial was given by employee ID # XXXX ( XXXX ) for the initial document being denied, and the individual I spoke with later that day employee ID # XXXX assured me the document would be reviewed by their supervisor that day. When calling XX/XX/21, I was informed by employee ID # XXXX ( XXXX ) that the second uploaded form from XX/XX/21 had been denied because they believed the signature was tampered with, once again not a reason give on the denial from XX/XX/21. I was then given the assurance again from employee ID # XXXX ( XXXX  ) that the document would be reviewed that day and it is now XX/XX/21 and the issue is not resolved. 

Other employee IDs spoke with : XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Just saw on XXXX that Messerli and Kramer which is XXXX fundings lawyer who is suing me on credit report multiple inquiries by messerli and Kramer, along with XXXX funding and now XXXX  which i guess is XXXX funding related??? Another report think XXXX has XXXX Funding just did charge off, yet they filed lawsuit in XXXX XXXX Wisconsin for supposed debt they " claim '' to own, yet XXXX did charge off of their collection on my credit report ... ..i got other weird things showing up ... pretty sure I've had identity theft now ....