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. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 
XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights XXXX XXXX Account # : XXXX has violated my rights XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX has violated my rights. 

( XXXX XXXX : XXXX  ) Account # : XXXX has violated my rights. 

XXXX Account # : XXXX has violated my rights. 

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 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: Checking or savings account

Today I tried to use my debt card. Citizens bank didn't allow me to withdraw the funds/make a payment. I would like to file a complain for Characters defamation damages, misconduct, and injunctive relief. Why! because they said I wasnt able to use my own card to purchase this particular product. The product receipt is attached.
Product: Debt collection

spoke with XXXX at GoldCar Lending on XX/XX/XXXX. Advised to them that this is a debt that is over 6 years old and that I have been disputing that the debt is not mine and I have not received anything validating this debt since it was placed on my credit. XXXX said that they can not give me any information on the account until the account has been paid off also said that it doesnt matter how old the debt is they are going to keep trying to collect on it but yet I have not heard from anyone and on my credit report it says the date of the last action was XX/XX/2016. I have the right to have my debt validated and for them to show proof that this is my debt.
Product: Debt collection

I requested that XXXX XXXX XXXX to stop calling me on my work number as I could not receive debt collection calls at work. They acknowledged but began calling me again on XX/XX/2018 on my work phone number.
Product: Payday loan, title loan, personal loan, or advance loan

the interest on the loan is 209.26 % FINANCE CHARGEThe dollar amount the credit will cost you. ( XXXX ) $ XXXX MOUNT FINANCED The amount of credit provided to you or on your behalf {$2700.00} TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled {$9300.00} i would have never taken out a loan and pay triple the amount in interest
Product: Debt collection

Please submit to all 3 credit bureaus as of my first complaint. I've been doing credit repair for over 8 months now and none if the bureaus has contacted me. I know it's a pandemic but its been over 8 months I am requesting all 3 bureaus to remove all negative items on my accounts. As the law and fair credit reporting act states if the bureaus did not communicate in a timely matter all negative items should and need to be removed asap. Also of a creditor or collection is sold to someone else with out my knowledge then that debt is no longer mines. Also due to HIPPA laws no medical records supposed to be shared without writing authorization. Please have all items removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request Experian 's method of verification regarding certain accounts that I know to be inaccurate on my consumer report. Experian continues to verify these inaccurate accounts and I am now demanding to know how investigators arrived at this erroneous conclusion. I would like a complete list of all documents and correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that Experian spoke with as part of the investigation. All previous letters that I sent in challenging these erroneous accounts will be attached to this complaint. I would like a complete investigative report, which is obtained through personal interviews with neighbors, friends, associates, or with whom I am acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX  Account XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : XXXX XXXX
Product: Student loan

On XX/XX/2020, I received a letter from FedLoan, U.S. Department of Education, stating that " On XX/XX/XXXX, the President signed the CARES ACT ''. Through THE CARES ACT, FEDLOANS 'PLACED THE [ MY ] LOANS IDENTIFIED XXXX e.g. XXXX # XXXX ] IN AN ADMINISTRATIVE FORBEARANCE FOR THE PERIOD XX/XX/2020, THROUGH XX/XX/2020. '' 1 ). For a student to be placed in Forbearance, THE STUDENT MUST REQUEST and call FEDLOANS Servicing Center at ( XXXX ) XXXX. Upon a request of THE student, " General Forbearance is decided by the LOAN SERVICER '' " if the student is temporarily unable to make [ your ] scheduled monthly loan payments for the following reasons : & Financial difficulties ; & Medical expenses, & Change in employment & Other reasons acceptable to your loan servicer ''. 

2 ) I NEVER REQUESTED A FORBEARANCE from FedStudent Loans Servicing. Although the CARES ACT serves as a protection for those students who experience a hardship during the Corona Virus Shut-Down, there are students LIKE MYSELF who are accepted in the PUBLIC SERVICE FORGIVENESS PROGRAM ( PSFP ). 
3 ) I NEVER INTENDED TO FORBEAR MY STUDENT LOANS AS I AM COMMITTED TO PAY ON TIME 120 PAYMENTS IN ORDER MY STUDENT LOANS TO BE FORGIVEN. PUBLIC SERVICE FORGIVENESS PROGRAM ( PSFP ) DOES NOT RECOGNIZE FORBEARANCE AS A COUNTING PAYMENTS TOWARD A PERIOD FOR FORGIVENESS CONSIDERATION. 
4 ). FedStudent Loans, while BLINDLY adhering to the CARES ACT, is violating [ TOOK CONTROL OVER ] my Consumer RIGHT TO SELECT my best option, pertaining to MY situation and choice NOT TO PLACE MY STUDENT LOANS IN FORBEARANCE. WITHOUT MY CONSENT, such ADMINISTRATIVE FORBERANCE violates the Consumer Protection Laws " The Right to Choose '', or " the customers have access and availability to a variety of quality products and services '', and " The Right to Information '' or " be adequately informed for product, or service ''. THERE IS ONLY ONE CHOICE : ADMINISTRATIVE FORBEARANCE. 
5 ) ADMINISTRATIVE FORBERANCE BY FEDLOANS cut my ACCESS to serve properly my PSFP per the terms and conditions, defined originally in the PSFP acceptance letter. 
6 ) ADMINISTRATIVE FORBERANCE imposed BY FEDLOANS provides NO ADEQUATE information to how this Administrative Forbearance will have a NEGATIVE effect on PSFP PARTICIPANTS. 
7 ). ONCE MORE, I do not wish any Administrative Forbearance. I continue to make regular payments ( made already in XXXX 2020 XXXX toward my FedStudent Loans to asure my good status at Public Service Forgivenes Program. In other words, I execute my Consumer right to 'choose ''.
Product: Money transfer, virtual currency, or money service

Issue Description : On XX/XX/year>, I initiated an international wire transfer of {$20000.00} from the XXXX XXXX XXXX to Chase Bank in the United States. However, due to an incorrect digit entered in the account number, Chase Bank rejected the transfer. After waiting for two weeks, I still have not received a refund. I have made countless calls to Chase, and they keep passing the responsibility around, saying they can not handle it. As a result, the money is still held at Chase, but they have not refunded it to me. As an XXXX  XXXX, this money is my living expense and is very important to me. Please expedite the refund process or assist me in crediting the funds to the correct account.
Product: Mortgage

On XXXX/XXXX/15, I wrote a check to Caliber Home Loans for a mortgage payment of {$1800.00} for my mortgage payment. Someone from Caliber Home Loans physically wrote /altered my check and wrote {$2800.00} below the amount on the check although it clearly states {$1800.00} on my check. My bank ( XXXX XXXX cleared the check for {$2800.00} which caused fees and overdrafted my checking account and held my money for days. I personally went to the bank and they advised me that they sent the check back for a " coding error ''. ( I pointed out to the XXXX bank manager that it is not legal to alter a check. They did not seem to care XXXX, however, the check should have been destroyed.I further notified Caliber to report the problem. Although I was contacted, they were not at all helpful and did not seem to care that XXXX of their representatives fraudulently altered my check. I thought the issue was resolved, however, on XXXX/XXXX/15. the SAME check reappeared debited out of my bank account to which it says " this is an image of a check which was reported missing or destroyed. I again contacted my bank to which I was charged fees etc. who put a stop payment on the check as I requested. The bank did not seem concerned in the least that a photocopied check was submitted although their own checks reveal that checks that are altered or photocopied should not be cashed. I then contacted " XXXX XXXX '' from Caliber Home Loans who stated that she looked into the matter and reported that " it was an oversight or accident '' that someone wrote on the check, however, claimed Caliber never sent in the check again for processing. On XXXX/XXXX/15. I received a letter from Caliber that I was charged money for the " dishonored '' check. I also noticed an additional fee on my mortgage statement. I was not the one who altered the check nor caused this situation. Any other individual who altered a check would be arrested!
Product: Credit card or prepaid card

BOA cut my credit limit. I have been with them for years and have other accounts. I m not aware that I have been more then 30 days late. This adversely affects my credit score
Product: Mortgage

I opened a new mortgage with property tax impound account with PennyMac, XXXX XXXX in XX/XX/XXXX. After 6-weeks/repeated notice that my property taxes were to be paid semi-annually, not annually, they still failed to pay taxes timely prior to delinquent date. They claim they sent the payment electronically 4 calendar days after delinquent date of XX/XX/XXXX. After 3-1/2 weeks, property taxes still show delinquent with XXXX XXXX County Tax Collector. I am in process of refinancing my mortgage for 2.25 % and am concerned this will hold up loan approval process. At my request, PennyMac closed my impound account as of XX/XX/XXXX ; I can not trust them to pay timely. I have not yet received a refund ; they can not verify check has been mailed to me. Additionally, they collected another {$620.00} in taxes on XX/XX/XXXX via auto-pay. Their system shows I have no impound account, thus a way to track the additional refund due me. At my insistence today, a PennyMac supervisor said she would refund that amount directly to my bank account.
Product: Student loan

Called Discover Student Loans XXXX/XXXX/XXXX to cancel automatic payments, because I could not cancel automatic payments nor change the payment withdrawal date using their online system. Was assured by the customer service rep that the automatic payments had been stopped. 

Was charged a payment on XXXX/XXXX/XXXX, called Discover Student Loans that same morning. They said they had " no record '' of my call, " no notes. '' I assured them I had the call history in my own phone. They assured me that my automatic payments had now been canceled. This payment coming out of my bank account was unexpected, and it caused my bank account to overdraft. On top of the negative balance, I am now responsible to my bank for an overdraft fee. 

Also asked about my forbearance options and representative said she would have to transfer me to another department, which I did not have time for.
Product: Payday loan, title loan, or personal loan

I tried to work with XXXX XXXX and I asked them to stop taking bi-weekly payments for a week or two and when then would not I closed my bank account. A few month later they sent my information to a collection company called Clearview ever since I have been getting non stop harassment calls. They call family members including my elderly parents and my dad who is extremely ill with XXXX XXXX. I'm including everything that I found on this company plus email that I sent to them trying to resolve the issue. 
I have been wanting to pay them by either a cashiers check or money order and they do not respond to my request. I even spoke to them and they only want my current bank information or debit card number which I refuse to give. XXXX XXXX did offer a settlement of {$700.00} and no one has responded to that email. Now, for every harassment call I receive I'm deducting for what I owe them since I feel they are not really interested in settling they only want my bank information to continue to take money out. 
Here are a few of the numbers that continue to call, it changes dailyPlease stop the harassing calls. I got two more today. I sent you several emails ( see below ) and I have requested an address so I may send a money order or cashiers check.

I do not want calls. I want an address and will send the settlement per my conversation with XXXX XXXX and for ever call the settlement goes down for my pain and suffering of being harassed ; so now it's {$610.00}. 
XXXX XXXX XXXX -XXXX. XXXX XXXX XXXX - XXXX XXXX phone numbers. 
They tell me the authorities will be coming to arrest me and they are taking me to court.
Product: Student loan

I have requested for forgiveness on this loan that is 10 years old
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX 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 XXXX XXXX XXXX XXXX
Product: Debt collection

TODAYS DATE : XX/XX/XXXX CREDIT COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio  of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX  XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX , FL XXXX
Product: Credit reporting or other personal consumer reports

Im working on improving my credit, but I noticed the account XXXX XXXX  with number XXXX is showing up incorrectly as CollectionOrChargeOff. Youve reported this account as opened on XXXX, with a date of last activity of XXXX, and it was last verified on XXXX. 
This error is really holding me back from reaching my financial goals, like buying a house or getting a better credit card. According to 15 U.S.C. 1681i, I need to see how you verified this information and proof that I owe {$380.00} since I dont owe this amount. 
Thank you for addressing this promptly. 
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out for help regarding the incorrect account listed on my credit report. This issue has affected my reputation as a customer, and I would appreciate your support. These accounts should be removed because they are reported inaccurately and harmfully.
Product: Checking or savings account

I opened a Performance Select Checking account online on XX/XX/28 with PNC Bank. 

My opening deposit was {$2000.00}. 

Since opening the account, I have been unable to set up an online account or obtain a Debit Card. I am completely restricted from my funds.

I have called twice to either obtain online access or have them mail me a Debit card. Both times they say that I have to visit a branch, even though they have searched and found no branches within 150 miles.

I can't even get them to mail me a signature card, which they say is also needed for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is driving me INSANE! Please help and do not close this complaint! XXXX XXXX, Executive Assistant at XXXX ; XXXX XXXX ( XXXX ), President, Global Consumer Solutions, XXXX ; XXXX XXXX XXXX, XXXX, XXXX have all been made aware of this and are COMPLICIT in this. Laughing and mocking me! They have SENSITIVE information currently stored in their email address inboxes including copies of my : Passport, Drivers License, Social Security Card, etc that i'm asking to be deleted and remediated. customer.care@equifax.com blatantly lied to me and told me that " they couldn't find the two XXXX XXXX accounts '' and REMOVED the WRONG ONE that was on my credit account since XXXX! It's insanity! Now XXXX XXXX is calling me threatening to SUE ME! This was supposed to be taken care of in XX/XX/XXXX and WAS PROMISED BY EQUIFAX to be taken off within 72 hours! They lied! I mailed in my copies, faxed it 13+ times, and each time there is a new issue! XXXX XXXX said they didn't receive info from Equifax yet that it was fraud/ identity theft! A male supervisor at ( XXXX ) XXXX was very kind and helpful last Thursday and told me that the account numbers for the two XXXX XXXX accounts closed on XXXX XXXX, XXXX had been changed and that may be why Equifax can not locate them. Nonetheless, he told me to file an FTC fraud/ identity theft report and then fax it into Equifax and he will take it off IMMEDIATELY! These people have done NOTHING! It takes a maximum 5 business days to process their faxes and I sent it last Thursday so it's been 5 business days! Plus they received the previous information THIRTEEN TIMES since XX/XX/XXXX! Yet fail to take any action! Im attaching legible copies of my SSN, Passport, Police Reports, FTC report, SSN Card, etc once again! And all previous correspondence! I want the CFPB to take action against these people! They're the reason I've suffered from identity theft to begin with! Which is why I won a lawsuit against them almost 3 years ago! Please CFPB take action against them!