23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have over XXXX in my account and literally haven't been able to touch none of it the card company us bank relia card the customer service team is hands down the worst known to history of XXXX  I can't buy XXXX it's blocked I tried to get milk blocked wait 24 hours everyday can't take all the money at once I mean I'm so upset I don't know what to do nobody helps all they do is hang up cause they think that's easier then helping the problem
Product: Credit card or prepaid card

I contacted the credit card company on XX/XX/XXXX because I had a charge in the value of XXXX dollars to open a dispute, after waiting a long time on XX/XX/XXXX, I received a letter from the bank informing me that they would be crediting a value of XXXX dollars I should be responsible for the rest. 
The letter states that they were crediting that value of XXXX, but the information I have was that the company that made this debit in the account made a refund of this value. 
I told them that I disagreed because I disputed the transaction of XXXX, so they opened a new dispute in the value of XXXX, but it has been a long time, and now they want me to contact this company that initially made the charges and work things out with them.
Product: Consumer Loan

I purchased a vehicle in  XXXX  from  XXXX   XXXX , they sold my loan to a third party finance/debt collect or Consumer Portfolio  services my interest rate is  XXXX  with  XXXX  per diem. This has caused any trade in to be  XXXX  negative and no one will refinance the loan because of the how much I ow e (  it is still at  XXXX  and I purchased it for  XXXX  ). When I extended my loan due to hardship I was not informed or told how that would negatively impact the loan even more. I believe there was misrepresentation, deception with this loan not to mention all of the phone calls they have sending to m e three and four ti mes a day every day. My principal payments have been very sporadic if any. This company had a class action suit in   XXXX   for the same reasons I am stating.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Debt collection

Constant calls throughout the day. At least 6 calls per day and when i answer the phone, they hang up! Never ever do i get a recording or person when i answer the phone!! Its very annoying and it is harassment!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad. 

XXXX XXXX  - ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

This complaint arises from XXXX XXXX breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. 

I entered into a financial agreement with [ XXXX XXXX XXXX XXXX ]. 
As part of this agreement, XXXX XXXX issued to me a Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3.

Blacks Law Dictionary 6th edition defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note.

Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V.

Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298.

Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C.

3-301.

If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. 
XXXX XXXX refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. 
It falls upon XXXX XXXX to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C.

By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX Living Trust.

UCC-1 Filed by The Federal Reserve even says that all bills are prepaid
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unauthorized credit inquiries listed on each of the three credit reporting agencies. I have contacted each credit reporting agency individually using a certified mailing option. The dates of contact are XX/XX/23 and XX/XX/23, respectively. 
Each of the credit reporting agencies have continued to report these unauthorized inquiries and have not responded to my request to-date ( XX/XX/23 ). 
As the consumer, when I contact a credit reporting agency with information that I believe to be inaccurate or requesting investigation into inaccuracies, I expect that they will handle these matters with some urgency and respond to me timely with updates regarding my legitimate requests. 
This has not occurred and I wish to complain about these credit reporting agencies and have their business practices investigated. Their role as a consumer credit reporting agency, consumer being the main focus here, then I would presume that they have a fiduciary duty to appease the inquiries of the consumer whom they exist to serve. Maybe I am mistaken but I am certain that I am not the only victim of these unethical and unsupported business practices.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$410.00} Account Name : XXXX  Account Number : XXXX {$520.00} Account Name : XXXX XXXX Account Number : XXXX {$570.00} 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: Mortgage

Shellpoint mortgage services bought our home mortgage loan. I make my payments as contractually agreed every month. I save website addresses for all of my bill pay and bookmark them on my laptop and pay manual payments every month during due dates for all of my bills. This mortgage lender drew the mortgage amount out early ( with no anurhorization ) and took money from my checking account without any authorization. I do not have auto pay. I called them to notify and find out why they took out funds on XX/XX/XXXX, not even the XXXX or XXXX of XXXX when XXXX had already been paid! They claimed that I made an over the phone payment. I reassured them that I in fact did not and I have never done a phone payment for any company in my lifetime over the phone. I explained I pay my bills on the laptop every month with manual payments not even auto pay because I do not trust auto pay. I asked them to give me more information and upon them doing so they said they realized it was not an over the phone payment and that its an issue with their system and that the company firm is aware and trying to fix the issue. They stated that there were many other customers this happened to and they were going to return my money. They didnt. My bank did. The funds were not returned to me by the mortgage lender, and I had to call my bank. This mortgage lender then proceeded to pull the payment again one week later on XX/XX/XXXX, my bank blocked it and notified me. I called the lender and the same woman answered the phone. She also told me the same excuse and said that I made an over the phone payment. I explained to her the prior conversation I had with her and gave her the details of the first complaint. I told them numerous times they do not have authorization to take money out of my checking account and I want them to stop. The woman was very snarky and unhelpful, she kept making light of the situation, I requested to speak to a supervisor to help me resolve the situation because she was unwilling. She stated no one was available and a supervisor would get back to me within 24 hours and they did not. I have no clue how to protect myself from this mortgage lender from taking money out of my account. They are not helping. Ive told them I will report them and file suit if I have to. They only gave me a po box to write to for any damages I incurred ( the first time I called ) the second time they just completely denied and knowledge at all of anything. Yet they still keep drawing from my account on odd days when no payment is due. Very dangerous lender!!
Product: Student loan

Navient ( formerly XXXX XXXX ) makes it very difficult to pay off my private student loans. I have been paying for around 10 years now and have barely made a dent. If I had been told when I was applying how much I would have to pay each month and for how long, there is ABSOLUTELY NO WAY I would have signed off. Unfortunately for me, and fortunately for Navient, I was naive and uninformed. I did not know the right questions to ask nor the information to seek. 

My interest rates are insanely high ( 8-13 % ). With what I owe, you could actually finance an exotic car at around 4 % and pay it off in about 6 years. My higher education student loans are going to take me 25+ years. How are student loan rates allowed to be so ridiculously high when for the same loan amount you could get a car loan for so much less?? 

My payments are through the roof and I can never meaningfully get ahead. Even when I pay more than the minimum due, they put that extra money toward the following month 's interest rather than letting me pay down the principal. I did this for over a year ( when they were still known as XXXX XXXX ) until I realized what they were doing. Apparently, you have to mail in your payment, along with a letter stating that you want the extra amount put toward the principal rather than the following month 's interest. Why ca n't I choose to put more toward the principal with the simple check of a box online when I make my online payments?? Because they do not want to make it easy for you to pay down your loans. They want the interest payments. This system should be a crime. I hope it is. 

At this point, I have given up hope of ever paying it off. I am supposed to have about 15 years left of paying this mortgage-sized monthly bill, but seeing as how 10 years of payments have had little effect, I do not see how that would be possible. So I only pay the minimum now, even though it gets me nowhere. This debt will most likely follow me to my grave. And that is the Navient way.
Product: Debt collection

I have tried several times reaching out to XXXX XXXX in regards to a debt I do not owe. They are not abiding by the law and have disregarded all interaction with this consumers. I have filed a Better Business Bureau complaint, FTC complaint against XXXX XXXX   for trying to collect on a debt that was paid by them to the oringinal creditor. There is nothing in the oringinal creditor lease agreement saids I have to pay XXXX XXXX a dime and I would like this alledge debt remove from all three credit bureaus. If this matter is not settle I am willing to proceed of filing a complaint against XXXX XXXX with the Attorney General office and start a class action lawsuit. All I want is for this alledge debt to be remove from all three credit bureaus. Hunter Warfield has no ground in the state of NC and I will not be bullied and harass about a debt I do not owe. Like I said before I do not have a contract with XXXX XXXX XXXX they need to send the agreement back to the oringinal creditor will not pay an alledge debt that has already been paid. I have asked several times for validation and XXXX XXXX did not provide all recommend documentation that was requested therefore this alledge debt needs to be remove it has been going on 45 days since I have asked for validation and this is unprofessional.
Product: Credit reporting or other personal consumer reports

Good afternoon, I have sent documents in the months of XXXX, XXXX, and XXXX requesting updated information concerning my consumer credit. I feel like I have been damaged mentally and emotionally behind the negative reports that have been reported about me. I have constantly been trying to clear up the negative review of the reporting that has taken a big toll on my life. There has been damage to my credit and incorrect reporting. I have not had anyone to get back to me, about how to repair it or what will need to be done. I really need some help and/or some answers as to how to correct this or if it can be corrected. " I WANT MY LIFE BACK '' I need and desire to have EXCELLENT reporting about me. At this point I am looking to seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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 know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any r
einvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE : {$1900.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE : {$6000.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE : {$3100.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE : {$1200.00} ACCOUNT NAME : DEPT OF EDUCATIONXXXX XXXX # XXXX ACCOUNT BALANCE : {$3800.00} ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX {$3500.00} ; ACCOUNT NAME : DEPT OF EDUCATIONXXXX XXXX # XXXX {$3000.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX {$5600.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX {$6500.00} ; ACCOUNT NAME : DEPT OF EDUCATION/XXXX XXXX # XXXX ACCOUNT BALANCE {$5900.00} ; ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX {$19000.00} ; ACCOUNT NAME : XXXX, XXXX ACCOUNT # XXXX ACCOUNT BALANCE {$150.00} ; ACCOUNT NAME : XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$0.00} ; ACCOUNT NAME : XXXX ACCOUNT # XXXX {$610.00} ; ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX {$1600.00} ; ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # XXXX {$300.00} ; I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These accounts are false and falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them as I was a victim of Identity Theft. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was told by a representative from XXXX to file a report for unauthorized inquiries even though It's not required in the FCRA. Please remove all inquiries starting from XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my dissatisfaction with the response provided by Equifax to the complaint I filed through your portal. Despite receiving a response from Equifax, it has been unsatisfactory and fails to meet the requirements set by the Fair Credit Reporting Act ( FCRA ). In their communication, Equifax did not include conclusive evidence demonstrating that the credit inquiries made under my name were authorized. According to the FCRA, it is expected that the credit reporting agency not only investigates disputes but also provides the necessary documentation to justify the entries reported in credit reports. More than XXXX  days have passed since I submitted my initial dispute, and the investigation process should have concluded with the provision of any relevant evidence. However, this timeframe has been exceeded, and I observe that Equifax has not adhered to the regulations of the FCRA. Therefore, I request the intervention of the CFPB to ensure that Equifax complies with its legal obligations. I demand that evidence justifying the authorization of these inquiries be provided to me, or if it can not be provided, that these entries be immediately removed from my credit report. I appreciate your attention to this important matter and look forward to your prompt response and appropriate corrective actions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address. Please update this address. I no longer live in the Florida apartment rental.
Product: Debt collection

This debt collector no longer has the account. When I went to the website it says I owe XXXX dollars. When I contacted them about it they informed me they no longer had the debt. I asked them to remove the account and they said they wouldnt.