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

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}
Product: Credit card

Date of Report XX/XX/2023 - Amount {$510.00} XXXX XXXXXX/XX/2023 In Accordance to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX  XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Charge off was scheduled to be deleted XX/XX/XXXX its still on my credit report, I sent a letter to all 3 credit bureaus asking for it to be deleted and haven't recieved any response, first date of delinquency was XX/XX/XXXX a charge off is only supposed to remain on on a credit report for 7 years its been 8 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a student loan in XX/XX/XXXX/XX/XX/XXXX totaling more the {$16000.00}. Since then I've lost my job got married moved away and divorce. After losing my job I was unable to pay my student loans or bills. I did however, called the student loan department and file for deferment and forbearance until I was able to resolve my personal situation. It was until XX/XX/XXXXI was able to consolidate all my XXXX XXXX and make one payment. XXXX Reporting Agency is still reporting my XX/XX/XXXX/XX/XX/XXXX XXXX XXXX as delinquent. I've called the reporting agency ( XXXX   ) to dispute the the closed and consolidated accounts and to them remove form my report and there response was to send in a consolidated later form XXXX XXXX XXXX and then the old account can be removed. I faxed over the latter and still not removed, I've called and ask why are the old account still reportingand there response was you have to get in writing from XXXX XXXX XXXX another letter stating, REMOVE FROM REPORT! This has been going on for several months. Back /fourth I called XXXX  agency yet again and ask for the removal and there response was the accounts can not be removed for another 7-8 years from delinquent reported date! That means the old account will have been on my report reporting negatively for more then 18 yrs. HELP!!!
Product: Vehicle loan or lease

I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GMFNANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit card

continued harassment and multiple federal violations which have directly resulted in my current status as a homeless veteran. I am a protected service member and a victim of identity theft. 
DOCUMENTED HARASSMENT : XXXX harassing emails ( dates and times preserved ) Most recent harassing phone call : Friday, XX/XX/year> XXXX harassing physical letter in my possession PRIOR RESOLUTION ATTEMPTS : XXXX XXXX sent XX/XX/year> Email notification sent XX/XX/year> Identity theft report filed ( Reference XXXX XXXX ) VIOLATIONS : Servicemembers Civil Relief Act ( SCRA ) Violations : Attempting to collect debt incurred during XXXX XXXX XXXX Failure to verify military status before collection attempts Violation of 50 U.S.C. 3937 interest rate protections Violations causing direct harm to a service member 's civilian life Each violation subject to Department of Justice enforcement Fair Credit Reporting Act ( FCRA ) Violations : Reporting unverified debt during active identity theft investigation Failure to mark account as disputed Failure to investigate identity theft claim Damages to veteran 's ability to secure housing Each violation carries statutory damages up to {$1000.00} Truth in Lending Act ( TILA ) Violations : Failure to provide required disclosures No billing statements ever received Violations of Regulation Z disclosure requirements Subject to statutory damages and actual damages FDCPA Violations : XXXX separate harassing emails ( {$21000.00} in statutory damages ) Weekend communications Harassing phone calls Physical harassment through mail Each violation carries a {$1000.00} statutory penalty ACTUAL DAMAGES : Current XXXX XXXX and associated costs XXXX XXXX  expenses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Storage fees for personal property Transportation costs due to housing instability XXXX XXXX XXXX XXXX XXXX Impact on XXXX XXXX  and services Possible Damage to military service record XXXX XXXX were on a XXXXXXXX XXXX XXXX and are classified in the interest of XXXX XXXX. Contact for Passport Number and visas ( XXXX Official Only I will not give out my XXXX XXXX number to the Credit card company or NES Enterprise collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has provided several points of false information. They state that they attempted to reach me via ( XXXX ) XXXX, which I know is blatantly untrue because they had the incorrect phone number on file until I was the one that called them to update to this number during a phone call to them that occurred on XX/XX/2020. I ask that XXXX XXXX XXXX XXXX provide proof that they made these phone calls in which I never received. 

They also state that they attempted to reach me via ( XXXX ) XXXX, which is not, and has never been, a phone number that I or my co-signer own. 

They also state that emails were sent to XXXX between the dates of XX/XX/XXXX and XX/XX/2020, but this never occurred. I ask that XXXX XXXX XXXX XXXX provide proof that they sent these emails in which I never received.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681c2, consumer reporting agencies are required to block information in a consumer 's file if the consumer identifies it as related to identity theft. I am requesting that the fraudulent account associated with account number XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX, be immediately blocked from my credit report. I have never applied for, authorized, or otherwise engaged in any transaction related to this account or residence. I have continuously resided at my current address for the past nine years, with no association to XXXX XXXX XXXX or XXXX XXXX XXXX.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act XXXX XXXX XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.

CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX  ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.

Sincerely, XXXX XXXX
Product: Debt collection

This letter concerns the fraudulent account # XXXX that continues to appear on my credit report. I have already provided documentation of identity theft, including a police report, an FTC report, and a copy of my government-issued identification. I expect prompt removal of this account from my credit report as legally required. I sent in my disputes since XX/XX/year>.
Product: Student loan

My Private Student Loan Company Navient will not work with me on making smaller payments. My co-singer filed for bankruptcy and they did not remove him from the loan. I made 24 consecutive payments and tried to take him off and they still wont. He has XXXX and can not help with payments. I tried to tell them how much i could afford each month but they said that was not good enough. They want a payment that is out of my range of income. When I was making the payments they where coming out of my bank account automatically it ended in XXXX. They started calling me and telling me i was late with payments when it was automatically coming out of my bank. Well my payment arrangement ended in XXXX and I did not know that so they started charging me late fees that racked up my payments. They like to talk in terms that I do not understand and are not willing to work with the payments that I an afford.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX never responded. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

The facts stated here are true, correct and complete. Also there is no 3rd party only me. I've tried several time to get chrysler Capital to validate this debt. I'm a consumer and I know my rights. Chrysler capital may not use unfair or unconscionable means to collect any debt. Without limiting the general application of the forgoing, This kind of conduct has violations. The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Also enclosed are documents i send chrysler capital.
Product: Credit reporting or other personal consumer reports

Equifax continues to erroneously report XXXX ( XXXX XXXX XXXX ) account on my credit report. The first date of delinquency was over 7 years ago. Also, I contacted the creditor directly, and their response was that they could not locate the account in their system. See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent consumer report, I discovered the presence of bankruptcies that should not be included. After conducting research on relevant laws, I have come to understand that your actions are in violation of 15 U.S Code 1681 a ( 4 ) - the Consumer Right to Privacy. It is my right as a consumer to have these bankruptcies removed from my credit report, as well as to have my personal information protected and not released without my consent. I find your actions completely unacceptable. 

I want to emphasize that I am a victim of identity theft, and your organization may be held criminally and civilly liable for its actions. I urge you to handle this complaint in a thorough and appropriate manner. If the situation is not resolved to my satisfaction, I want to make it clear that I will not hesitate to pursue legal action against your company. 

I expect immediate attention to this matter and a swift resolution. Please acknowledge receipt of this complaint and provide a detailed plan of action to rectify the situation. Failure to comply will leave me with no choice but to take legal measures to protect my rights.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I opened a claim with the banking app Albert. I had them cancel my existing card & send me a new card. My debit card ultimately was used as credit for {$140.00}. They denied my claim because The transaction pattern and associated activities arent indicative of fraud. 
The transaction pattern isnt indicative of fraud. 
Deposit ( s ) occurred immediately before disputed transactions, indicating awareness of the balance and authorization.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 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

Hard Inquiry on my credit report for something I did not get approved for is stopping me from getting an apartment and other financial needs. This has destroyed my credit history.
Product: Credit card

On XX/XX/XXXX I purchased a couch that was supposed to be {$5300.00} as it was on sale. At time of purchase pottery barn was having trouble with their system ringing up the sale price and charged {$7600.00} ( the non sale price ). I received my first Capital One statement with the incorrect charge and contacted Pottery barn to fix the charge. They fixed the charge by putting a credit of {$2300.00} to the card on XX/XX/XXXX. I then called capital one on XX/XX/XXXX because I received my new bill with a minimum due of {$640.00}. This minimum due is incorrect because Capital One advertised 12 months interest free financing. The minimum due of {$640.00} is the original charge of {$7600.00} divided by 12 months. Since the share was corrected I should be paying a minimum due of {$440.00}, which is the correct charge of {$5300.00} ( XXXX ) divided by XXXX. They have refused to honor the 12 months of interest free. They said I must pay {$640.00} if not my credit will be reports, well {$640.00} pays of this car in 8 months not XXXX as advertised. I can't pay less to ruin perfect credit and they won't honor their 12 months. I spoke to XXXX she refused. I want my 12 months interest free and correct eh minimum due to {$440.00} which does this.
Product: Mortgage

I applied for a mortgage and currently in escrow. The loan estimate was sent over XXXX business days after being under contract. I verbally told lender on XX/XX/year> I did not want to buy points. I again verbally and emailed lender on XX/XX/year> I did not want to buy points. I also asked if it was possible to lock rate and I was told I could. Then was emailed stating I can only lock the rate when the builder states I can lock rate. I emailed the lender on XX/XX/year> stating the loan estimate contains points which I do not want to buy. The lender responded saying they would not revise loan estimate and I can not lock rate until the builder approves. I emailed on XX/XX/year> stating I will not sign any documents until I receive a loan estimate reflective of what I have asked. Only then did the lender state they will amend it, but are still insisting I can not lock the rate until the builder states I can. I still have not received loan estimate and From my understanding it is not up to the builder to determine when I can lock my rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act several accounts has violated my rights by reporting late payments. 


15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

XX/XX/XXXX I suffered some financial hard ships. Due to these hardships I was having trouble making my mortgage payments, my loan was turned over by GMAC to Ocwen Financial with out my knowledge. While I was making payments Ocwen was returning the payments but to the wrong address. I did not become aware of this until Ocwen notified me that my home was going into foreclosure. This was XX/XX/XXXX. I have had nothing but trouble with Ocwen since. This includes everything from setting up appointments with Relationship Managers who do not keep appointments, call at the wrong time or even call me at the wrong phone number. Numerous times Ocwen has changed my Relationship Manager without even telling me so it can take days or even weeks to find out who I am even suppose to speak with. I submitted an application for a loan modification back XX/XX/XXXX. I did not receive anything from Ocwen up dating me on my application. When again I finally was able to get a hold of who was my new Relationship Manager, I was told he could not speak to me telling me my account had been referred to an attorney. He was not able to give me a name or a phone number of the attorney. I was finally able to track down the attorney XX/XX/XXXX after many phone calls and internet research. I left messages for her for almost 2 weeks before I was able to reach her and when I did she told me that a repay had been set up and the first payment was due in 2 days. My mother who is on this loan called the attorney as I work and am unable to remain on hold for long periods my mother was told by the attorney, that she was not able not speak to her. This repay was not feasible and they told me to resubmit a new modification application, this was done in XXXX XXXX. I have had XXXX Relationship Managers since then. I can not seem to get the right information, the right person or the right phone number. Yesterday after finding out that I again have a new Relationship Manager I asked to be transferred to a manager and was transferred to a manager who actually told me he did not know his own phone number so I could call him back. He also told me he did not know his supervisors phone number. I was told yesterday that they needed more information on my new application. It was faxed over twice to make sure they received it this morning. I called to confirm they received it and have a fax confirmation. It has been almost two months and again I had not received anything from Ocwen. I had an appointment to discuss my application with my than Relationship Manager and she had someone else call to tell me she was busy and they called and left a message at the wrong phone number. I can not believe anybody can stay in business like this. I do not believe Ocwen has any desire to help me keep my home which by the way I have owned for 30 years. When this started with Ocwen my home was to be paid off XX/XX/XXXX. With all the charges and non-since Ocwen is tacking on I feel like it will be lost or never paid off.
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, XXXX 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.