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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX and # 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: Debt collection

Complaint for illegal use of unregulated Artificial Intelligence to respond or refuse to respond Customers Complaints QWR, DVR and demand for TILA disclosures who are " Servicing Partners '' who demand from me two years of payments which I already paid during bankruptcy for the property located at XXXX XXXX XXXX XXXX MI XXXX I received XXXXgenerated unnamed " Financials '' where on XX/XX/year> I was charges {$5.00} for " bankruptcy attorney referral fee ''. On XX/XX/year> I was charged {$410.00} for " Bankruptcy Claim '' - which is a THIRD ( 3 ) charge for " Bankruptcy Claim '' by unknown to me parties. 
On XX/XX/year> I received a " Reinstatement Letter '' where I was asked to pay for two years - while I made these payments.

When I tried to find information about all these fees and charges, I looked at alleged " XXXX 's website which obviously belongs to some " Servicing Partners '' who are nopt disclosed to me Moreover, the amounts listed in " financials '' do not reflect my payments made in my bankruptcy case at all.

I demand a response from the REAL HUMAN BEING who is employed by the CREDITOR and who has personal knowledge about all these fees and charges as well as how much money received named " Creditor '' XXXX XXXX XXXX, XXXX, with copies of all processed checks received from my bankruptcy case, both sides.
Product: Credit reporting

Please remove the following accounts from my report as they do not belong to me. I have been on the phone with your company and went over my name and address. Please remove the following accounts from my report as well as the corresponding inquiries : Closed Accounts Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$2000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX {$0.00} 120+ DAYS PAST DUE XXXX BANK Show Details XXXX XXXX/XXXX/XXXX {$14000.00} XXXX/XXXX/XXXX {$14000.00} CHARGE-OFF {$13000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$1000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$0.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX COLLECTION ACCOUNT XXXX IN Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Cable/Cellular Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$440.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX Status Date : XXXX Status : P - Paid Comments : Consumer disputes - reinvestigation in progress XXXX , XXXX Agency Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( XXXX ) XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Banking Creditor Name : XXXX ITS A Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$380.00} Date of XXXX XXXX Delinquency : XXXX Balance Date : XXXX Balance Owned : {$0.00} Last Payment Date : XXXX/XXXX/XXXX
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 names and # 's below, has violated my rights : XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX REF : XXXX XXXX  XXXX BANKRUPTCY XXXX XXXX XXXX XXXXXXXX XXXX XXXX The account names and # 's above has violated my rights. 

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

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

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

Portfoliorecovery was calling me 4 to 5 times a day. I called back and asked who they are and why they keep calling. They were looking for my daughter. I told them she has not lived here in over 4 years and remove my number. They stopped calling for about a month then it started again. I again told them she has not lived here and stop harassing me. It stopped for about a month and has started again. They have called starting XX/XX/22. They are calling again. I have not called them again. Twice is enough to tell them the person is not here. This needs to stop.
Product: Student loan

I'm following up with a previous complaint that was closed... 

The {$30.00} on my account is interest that should have been subsidized since I was eligible for XXXX XXXX  monthly payments based on my XXXX. I should not have that on my account. It's written right on the studentaid.gov website. " Interest Benefit Stops Your Balance From Growing The SAVE Plan eliminates 100 % of remaining monthly interest for both subsidized and unsubsidized loans after you make a full scheduled payment. This means that if you make your monthly payment, your loan balance wont grow due to unpaid interest that accrued since your last payment. For example : If {$50.00} in interest accumulates each month and you have a {$30.00} scheduled payment, the remaining {$20.00} would not be charged once you make your monthly payment on time. ''
Product: Credit card

I applied for Citi American Airlines Executive Credit Card which has {$590.00} annual fees. It comes with a lot of perks and benefits. One of them is $ 10 monthly credit for XXXX purchase. Citi started having issues with providing a customer with a {$10.00} credit since XX/XX/year>. It means if I spend {$10.00} at XXXX, I dont get any credit towards it. I owe Citi {$10.00} which I have to pay by due date or they will charge me 24.24 % interest rate on it. The issue has been ongoing for 3 months ( {$30.00} so far ). I called and asked Citi to manually credit my statement but they refused. They said they are working on resolving an issue and I will get the adjustments all at once. They are not able to give expected time of resolution. 

The issue is Citi expects me to pay off my statement balance that is technically overstated by {$10.00} in full. Or, they will charge me interest rate of 24.24 %. Citi fails to administer the benefits as outlined in the program they advertise customer for an annual fee of {$590.00}.
Product: Vehicle loan or lease

I have an auto loan with Wells Fargo Bank. 

Wells Fargo is limiting my amount of early payments to XXXX/day. 
I would like to pay off a higher amount to reduce my principle but Well Fargo doesn't allow per their policy when I spoke with a supervisor. 

I have used auto loans with other banks ( XXXX  XXXX XXXX and XXXX XXXX ) and I have never been limited on making early payments. 

I was wondering if this is legal for Well Fargo to be limiting early payment limits.
Product: Debt collection

XXXX  XXXX is a result of identity theft there are multiple accounts attached totaling three ( 3 ) accounts. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX as well as XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by THE BUREAUS INC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

XXXXLack of Opportunity to Dispute DebtXXXX Despite being approached by THE BUREAUS INC , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

XXXXRequest for Certified Mail ReceiptXXXX Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand THE BUREAUS INC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

XXXXUnlawful Debt Collection Practices in New JerseyXXXX It has come to my attention that THE BUREAUS INC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Debt collection

NCB Management Services , Inc 15 U.S. Code 1692c- Communication in connection with debt collection. Without the prior consent of consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt. NCB Management Services , Inc is contacting me at any unusual time and place which is inconvenient for me, as well as embarrassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX  XXXX XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has 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. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

I received a letter in the mail from my mortgage company, Navy Federal Credit Union, stating that my homeowners insurance carrier, XXXX, no longer has an acceptable financial rating. Therefore, I must find an insurance company that currently has a financial score of XXXX or above. I then contacted XXXX and received documentation showing that their financial rating is XXXX and has a long term rating of XXXX. I contacted Navy Federal on XX/XX/XXXX and XX/XX/XXXX to resolve this issue. On XX/XX/XXXX Navy federal told me that their system is unable to process the homeowners insurance from XXXX. On XX/XX/XXXX Navy Federal stated the same thing that they previously stated, so I asked to speak with a manager. I was told that one will call me in 24 to 48 hours, and that they will request a review of my complaint. I went ahead and collected multiple quotes from other insurance companies, which the companies were either refusing to insure homes in California or their quotes were much more expensive with less coverage than my homeowners policy with XXXX. I have been with XXXX since XXXX, have multiple policies with them, and have never had any issues. I refinanced my home loan with Navy Federal in XXXX and have had issues with them for the full 3 years of the loan. I have the letter that was sent to me from Navy Federal as well as the document from XXXX showing their current financial score.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX, a supplemental consumer credit agency, for violating the Fair Credit Reporting Act ( FCRA ) by furnishing information about me to Transunion without my consent. 

On XX/XX/2023, XXXX furnished a consumer report about me to Transunion without my written permission. This is a violation of Section 604 ( a ) ( 3 ) ( A ) of the FCRA, which prohibits consumer reporting agencies from furnishing consumer reports without the consumer 's written permission. 

I have not provided XXXX with my written permission to furnish consumer reports about me to any third parties. I am very concerned about the fact that XXXX has violated my privacy rights by furnishing a consumer report about me without my consent. 

I am requesting that the CFPB investigate this matter and take appropriate action against XXXX. I am also requesting that the CFPB require XXXX to destroy all copies of the consumer report that it furnished to Transunion without my consent. 

Thank you for your time and attention to this matter. 

Law codes violated by XXXX : * Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681-1681x.

* Section 604 ( a ) ( 3 ) ( A ) of the FCRA : 15 U.S.C. 1681b ( a ) ( 3 ) ( A ).

* Section 604 ( f ) of the FCRA : 15 U.S.C. 1681b ( f ). 

XXXX XXXX
Product: Payday loan

Borrowed XXXX finance change every time l make a payment if not payed in fill is XXXX .a when I asked about paying fill make excuse to get more money, so I made payments and still owe XXXX.I do n't know what to do I will be paying the rest of my life.
Product: Debt collection

XXXX XXXX XXXX By mail in XX/XX/XXXX about a debt they alleged I owe. I sent out a letter in response XXXX, XXXX to validate this debt I allegedly owe, because I didn't know who this company was and I have no contract with them. They responded on XXXX, XXXX, XXXX with private medical information and procedures that is in direct violation of HIPAA that I never at anytime authorized them to have or share! They also responded on XXXX, XXXX, XXXX. The communication on XXXX alleged I owed {$300.00}! The communication on XXXX alleged I owed {$160.00}. Both threaten reporting to credit bureaus. This debt has already been reported prior to the communication between them and I. Some damage to my credit has already accrued. My private medical information was sold to this third party by " XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO. XXXX '' to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX '' without my knowledge or authorization. Violating my privacy rights
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I applied for a credit card and was surprisingly declined. When I got the reason via mail I was shocked to see that my credit score had dropped almost 200 points. I had an extremely difficult time reaching someone at Experian in regards to this matter. When calling in, you have prompts for about 3 things and none of them would bring me to a live operator.

I finally got through to someone and received my credit report via mail since I couldn't login online. When I got my report I was shocked again to see that another persons account had been merged with my own. I can't imagine how something like this would happen. Again, while trying to reach Experian via phone, it was incredibly difficult to reach an operator. It's almost as if they don't want you to resolve the issues. An issue that they themselves created.
Product: Debt collection

On XXXX I received my return receipt of certified mail when I sent out a debt validation written letter about two accounts that they are attempting to collect this debt on. I waited and still over this 30 day period have not received and validation in the mail at all at the address I provided. These two accounts have affected my credit score which lead to denial in my home purchasing process. I would like these two accounted deleted and removed from all of my credit reports because by law there has been no validation that I requested.
Product: Checking or savings account

On XX/XX/XXXX of XXXX at XXXX XXXX I received a call from a Chime ( my bank ) requesting that I send funds to 2 different accounts. The representative claimed that someone was trying to access my account and that I needed to send 2 different {$2500.00} transactions to these account using Chime pay. They said me doing this, would help them catch whomever was trying to access my account. They also stated once I sent the money, I would received an immediate refund and a police report would be made to catch the person ( s ) trying to steal my money. 

As I was on the phone with this representative I XXXX Chimes number to ensure this was them legitimately calling me and the number matched so I did as instructed. Once I did as instructed the representative hung up on me. I called Chimes number back and was informed that no one from Chime called me to request the funds. I then proceed to file a dispute with Chime to get my funds back explaining all that happened to me. I submitted my detailed bill summary from XXXX showing the call was made to me, I filed a police report and I also showed the screen shot of the names of the accounts whom the money was sent to. Chime has then denied my dispute a total of 6 times and not refunding my {$5000.00}. I have been trying to get my funds back for a total of almost 6 months with no new resolution. XXXX suggest that I file this complaint in hopes to retrieve my funds. Below I have attached all documents I have sent to Chime as proof of the situation that has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate accounts are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX  XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX Balance Owed : {$370.00} ; DEPT OF EDUCATIONXXXX XXXX Balance : {$13000.00}.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

In XX/XX/2017, agreed to terms with Aldrige Pite Haan regarding my medical debt. Provided payment information and agreed to payment terms for {$830.00}. After the last payment, I called to confirm that everything was paid, they told me that I was in good standings. 8 months later they file an Affidavit of Noncompliance for the Money Judgement. No communication from them from the last payment to 8 months later. No phone calls, no letters that a payment did not go through, 3 months after the judgement, I receive a letter from them with the affidavit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognized please delete. This cards. I dont. Recognized delete this from my credit history please