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

I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the DEPT OF ED/XXXX xxxxxxxxxxxxxxxx XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XX/XX/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. 

XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX Account Number # XXXX XXXX XXXXXXXX XXXX XXXX  Account Number # XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number # XXXX XXXXXXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXXXXXX, XXXX Account Number # XXXX XXXX XXXX XXXX  XXXX XXXX Account Number 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 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: Mortgage

I have repeatedly asked for justification of a deferred balance, Nationstar Mortgage has on my home. Nationstar is either unwilling or unable to provide an amortization of how my payments have been applied and how much interest I am actually paying - I have XXXX complaints all with extensions by Nationstar - Per my conversation today with XXXX ( # XXXX XXXX - they need a XXXX extension as they have not yet resolved the information and can provide no update
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX Balance {$10000.00}
Product: Payday loan, title loan, personal loan, or advance loan

My truck was repossessed last Monday XX/XX/year>. I called to find out when, & where I could get my property. They gave me a number to call, that company gave me another company called XXXX XXXX to call. The number is completely automated. All you can do it schedule an appointment by email. Which is impossible sense I don't know where it's located, but I made one anyway for last Wednesday XX/XX/year>, but have not gotten any responses! I called Loan Mart back, they supposedly contacted them, and they were supposed to call me within the hour! That was 4 days ago!!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 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: Credit reporting, credit repair services, or other personal consumer reports

I have concern that the credit score reported by all three credit bureaus has improperly decreased.

We recently started a refinance process with XXXX XXXX. When they pulled two of our credit scores XX/XX/XXXX XXXX  and Transunion rated my credit score as excellent to great ( above 760 ponts ). When XXXX pulled the additional credit report/score from XXXX a week later my credit score dropped 49 points ( XXXX points ). This has caused XXXX to deny us a refinance program that has acceptable terms with a credit score of XXXX. XXXX did pull the credit report a total of two times ( one from each credit bureau in a two week period ). XXXX explained the reason the credit dropped so much is because we have 18 inquiries into our credit report. We do not account for 10 of the inquiries and need to dispute the inquiries and drop in credit score. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong XXXX company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You XXXX knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX  XXXX Delete this alleged debt from your database and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
Product: Credit reporting or other personal consumer reports

The account has been repeatedly updated as canceled every month. This is a payment history update. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your negligence has violated my rights. I demand the deletion of the following account : The XXXX XXXX XXXXXXXX account was closed XX/XX/XXXX, however, I never paid, this card was opened fraudulently, it was updated XX/XX/XXXX reported in collection / charge off, it does not report the number of accounts, the accounts in total are 2 accounts that appear with XXXX XXXX XXXX/ both accounts appear/ charge of XXXX THERE ARE TWO ACCOUNTS ONE CLOSED ON XX/XX/XXXX UPDATED XX/XX/XXXX / last payment is reported XX/XX/XXXX I never opened this account, it was opened fraudulently / XX/XX/XXXX LIKE GHARGE OFF XXXX ALSO APPEARS LAST PAYMENT XX/XX/XXXX REPORTED XX/XX/XXXX XXXX XXXX APPEARS IN COLLECTION / charge off updated XX/XX/XXXX every month they report it as unpaid these accounts were opened fraudulently XXXX XXXX another account reported as closed XX/XX/XXXX collection/charge off Reported XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  account # XXXX     I think not mine. DIDNT RECOGNIZE
Product: Credit reporting or other personal consumer reports

{$100.00} I am not aware of this account
Product: Debt collection

Wells Fargo Bank is suing me for the credit card debt, which I tried to rectify with them multiple times. 
They enrolled me in a program to which I did not consent, shared my financial data with a third party that I did not authorize, started charging me cash advance fees when what I was trying to do was stop paying overdraft fees on my checking account to which I notified a banker to resolve and has not been.

1. I never signed up for the Credit Protection Plan and I was charged fees, including the interest returned for that program. They shared my information with some third party who I have never heard of or authorized to have access into my finances. 
XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXX XXXX  {$37.00} XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXX XXXX {$37.00} XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXXXXXX XXXX {$36.00} XX/XX/XXXX XX/XX/XXXX CREDIT DEFENSE XXXX XXXX {$35.00} XX/XX/XXXX : {$35.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$38.00} XX/XX/XXXX : {$38.00} XX/XX/XXXX : {$38.00} Total YTD ( not counting previous years ) on Credit Defense : {$300.00} 2. There was an error with cash advances on my account which was not corrected : The cash advances were authorized without my knowledge and I have so far been charged with. 
Cash Advance Fees : XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$170.00} XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$180.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$170.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON CASH ADVANCES {$170.00} XX/XX/XXXX : {$11.00} XX/XX/XXXX : {$27.00} XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$170.00} Total Approx ( YTD, not including the charges from XXXX ) : {$1300.00} 3. Interest Charges on Purchases XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$5.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$6.00} XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$6.00} XX/XX/XXXX : {$1.00} Total Approx ( YTD ) : {$19.00} 4. Late Fees XX/XX/XXXX XX/XX/XXXX LATE FEE {$27.00} XX/XX/XXXX XX/XX/XXXX LATE FEE {$37.00} XX/XX/XXXX XX/XX/XXXX LATE FEE {$27.00} 5. Overdraft Protection Fees : XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$12.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX ( additional ) : {$20.00} XX/XX/XXXX : {$20.00} XX/XX/XXXX : {$20.00} Total Approx ( YTD ) : {$130.00} Several attempts were made by me unsuccessfully to work with the bank to rectify these errors- I called and E-mailed several times, met with the banker in XXXX, NJ. They never returned my calls and while the banker agreed to look into the issue, they never did. 
The last E-mail for which I have not received a response, was sent on XX/XX/XXXX. 
On XX/XX/XXXX, they delivered a summon for the lawsuit through a third party. 
I need this to be resolved, I believe that Bank acted unethically and even possibly criminally. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

For almost 5 years I have been unable to receive my annual free credit report form Experian online, with requests dating back to XX/XX/XXXX and most recently today on XXXX  made via XXXX Most recently the excuse provided by Experian states that " A condition exists that prevents Experian from being able to accept your request at this time. '' In the company 's response to my previous CFPB complaint they did not include any detailed information regarding this barrier to my receiving my credit report, and simply stated that consumers are not guaranteed access to their reports online. If the company continually denies the simple and quick access that an online credit report provides customers, they need to provide customers with detailed information as to why requests for online reports are denied, no boilerplate language that implies we are not owed an online report. 

My experience shows that Experian is continuing to present barriers to consumers accessing their credit reports with the bureau electronically, forcing them instead having to mail or call to request a hard copy of their report. This is a parsimonious and inexplicable barrier to access from company that, as I have mentioned before, maintains its existence by aggregating the personal information of consumers and profiting from that info, with XXXX benefit to the consumers themselves.
Product: Money transfer, virtual currency, or money service

Yesterday I made a transfer XXXX dollars to XXXX account in BARRI FINANCIAL GROUP ( XXXX, TX ) so the casher told me that the money will be available within 30 minutes but this money already doesnt available in the XXXX account. 

I try to call at customer services but they ( barri financial ) told me that the money was send yestarday but isnt true. 

the transaction number is XXXX and XXXX.- XXXX I sent this money to XXXX XXXX XXXX XXXX at XXXX account XXXX XXXX XXXX  XXXX 

can you help me please? 

regards! 

XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX Remove/or verify I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) ( Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting or other personal consumer reports

All 3 bureaus are reporting a revolving account a closed charge off account can not be revolving its closed. 
This account was also written off by the creditor but its showing a balance if it was written off and considered a loss there's no debt owed they have already been compensated for the loss none of the last active dates match XXXX is reporting 60 days late twice you cant be 60 days late back to back and then go into charge off status XXXX is reporting 120 days late twice then skips a month and goes back to ok even though they have the account listed as a charge off
Product: Credit card

In XXXX 2016 I had called in to Citibank to apply for a new Citi Prestige card. When I was connected with a phone representative they had informed me that I should simply transfer over my account from my current Citi ( R ) Diamond Preferred ( R ) Card. At that time I specifically asked whether or not I would receive all of the same perks by transferring my account versus applying for a new account, and explicitly asked about the XXXX reward thank you points promotion which was the reason for my application. I was told that I would receive the XXXX points as long as I had spent {$3000.00} within the 1st 3 months of the account being opened. At this point I instructed the phone representative to transfer the account. 
Approximately 3 months later in XX/XX/XXXX I called Citibank again inquiring as to why I had not seen my bonus rewards points apply to my account since I had spent nearly {$10000.00} at that point. This new phone representative informed me that because I transferred my account that I was not eligible for the XXXX point reward. I informed her that I had been unequivocally told by the representative who signed up my account that I would be receiving those points and that that incentive was the reason for my opening the account. I also told this representative that if she went and found the recording of my initial phone call she could verify what I was told. The representative let me know that it would 48 hours to track down the recording of the phone call and that she would return my call at that time. 
4 days later I received a call back from the representative informing me that because the initial person I talked with when I set up my account was overseas ( how is it my fault that they routed my call there?! ) that they could not track down the call recording and therefore would not be issuing me the rewards credit that I am due. 
As mentioned this rewards credit was specifically advertised, explicitly addressed during my application phone call, and was the reason for both my initial application and my spend of nearly {$10000.00} on this new account. 
Citi owes me that rewards credit or the {$800.00} value of the flight that it would purchase.
Product: Debt collection

I received court summons 2 weeks ago mentioned Portfolio Recovery Associates LLC sued me for the debt that I never owned. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, Arizona sent me 2 summons before that I never receive copy of those. 

XXXX XXXX XXXX contacted me by mail last year accused me that I owed {$710.00} using XXXX XXXX Credit Card dated XXXX XXXX XXXX. I replied I didn't recognize any of these transactions. On XXXX XXXX XXXX I lost my purse, wallet with all my credit cards, Debit card, ID, blu cell phone, and my notes contain all usernames and passwords that I used. I gave him the case number, police name, badge number, phone number, email address, also her station. 
I expect he can just pull my police report online, if he has good intention. 
And he sent a second letter asking the proof. I don't response, since I realized this is fraudulent action. 
I didn't use this credit card since XXXX I don't even remember I have this credit card in my wallet that stolen. Therefore, I didn't call, block or cancel the XXXX XXXX credit card. I never received any statements from XXXX XXXX. Until I received letter from XXXX XXXX XXXX with the transaction balance on my stolen credit card. 

Between XXXXXXXX XXXX  and Portfolio Recovery Associates, they are both fraudulent companies working together scamming people. I reported this case so everyone knows, do not reply for any letter from XXXX XXXX or PORTFOLIO RECOVERY ASSOCIATE LLC. Please pursue this matter and bring them to justice. 

If you need more documentation please contact me.
Product: Debt collection

Several phone calls to my place of employment from a  XXXX   XXXX  who will never leave a message or call back number or say what he 's calling about from phone numbe r (   XXXX  )  XXXX .
Product: Debt collection

On XX/XX/XXXX, I called Source Receivables Management after receiving debt collection letters and many phone calls from them on behalf of XXXX. An employee of SRM ( XXXX XXXX, took my call. I told him I did not owe anything at all to XXXX, an independent store ( not a corporate XXXX store ). I told him I wanted to explain what had happened and that we believe it to be fraud committed by the assistant manager. XXXX was on a serious time limit so said he made a note and someone from SRM would be contacting me. I tried to obtain more information, but he kept saying he was sorry because he was on the above-mentioned time limit so had to hang up. The amount of SRM 's XX/XX/XXXX bill is {$400.00}. SRM has called me almost every day, often 1-2 calls per day. 

This matter has dropped my exceptional credit score dramatically. I want written and public apologies from SRM, corrected statements that I owe and have owed {$0.00}, and I would like to know if there is any other action I can take to stop this kind of treatment. It is extremely damaging to my health, my family life, and my credit standing. 

Thank you.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and Im clueless as to why theyre there. I routinely check my report, but today I saw unexpected discrepancies. I even refreshed the page, thinking it might be a glitch, but the inquiries didnt go away. I urgently request that the documents Ive submitted be reviewed carefully to resolve this matter so I dont have to deal with this stress again.
Product: Debt collection

I've sent letters on XX/XX/19 and XX/XX/19 to Absolute Recovery Services for verification of this alleged debt that sits on my credit reports. I have yet to receive a response in the mail outlining this debt. I just need to be sure that this debt does indeed belong to me. I'm very confused about a $ XXXX account sitting on my credit report that I had no knowledge of.
Product: Consumer Loan

I took a loan out for a car and realize that the payments where too much for me to make. Asked company to reduce the payments and the company refused, forcing a possible default on the loan and a repossing of the car. ALLY FINANCIAL.
Product: Debt collection

AFNI keeps calling me about a debt it claims that I owe. I do not owe AFNI any money for any debt to AFNI or any other debt collection agency. Just this past month, AFNI reported this nonexistent debt to my three credit reporting agencies, and my XXXX score tumbled by 35 points. I've disputed AFNI 's claim with all 3 credit reporting agencies, but I want to report it to CFPB to get them to stop.