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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, TX 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 Balance : {$520.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Reference XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$260.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00}
Product: Mortgage

I have been trying to get a copy of my modification agreement that spells out the terms of my modification and future interest rates since XXXX XXXX, 2016. I have made several attempts to Rushmore Mortgage by fax and email and still have n't received.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

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

I am the federally protected consumer and I am not being coerced by any third party or agency. 
I have new evidence of this companys willful noncompliance. 

As of XX/XX/2022 I requested validation of debt from company XXXX XXXX XXXX according with 15 USC 1692g, and I have proof this company did not adhere to all requirements of this subchapter. 
I am also aware that this company is not adhering to the Fair Credit Reporting Act as the banking system is dependent upon Fair & accurate credit reporting. Credit management system is reporting inaccurate information as the amounts shown in the debt validation is significantly less than the amount shown on the consumer reporting agencies. 

I am hereby enforcing my rights according with 15 usc 1681n, 15 usc 1692k as I have been damaged due to mental anguish of negative, inaccurate reporting and restricted use of credit. Due to the inaccuracies I have had to seek legal counsel which has also caused financial strain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, has violated my rights 15 USC 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. As recognized consumer reporting agencies, both Equifax and XXXX, and myself as the consumer, possess the right to safeguard personal information, as emphasized by 15 USC 6801, outlining Congress 's policy that financial institutions actively uphold customer privacy. Designated as a " Furnisher of information to credit agencies '' within the financial institution category, 15 USC 1681 section 604 a section 2 specifies that a consumer reporting agency may only furnish a consumer report based on the written instructions of the respective consumer. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.
Product: Payday loan, title loan, or personal loan

https : //www.zocaloans.com/en/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 493.66 %. I borrowed {$300.00} and now I owe {$730.00}. This should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is furnishing a closed negative account that the debt collection company could not validate after several request. 

XXXX changed this Item from a collection to closed in XXXX of XXXX without providing me with validation I requested on XX/XX/XXXX and again on XX/XX/XXXX. 

I also have emails where XXXX and there affiliates violate 15 U.S. Code 1692a ( 4 ) by intentionally misrepresenting themselves as a creditor I owe when I've never done any business dealings nor have been extending any line of credit with them. 

They have been giving close to XXXX months to investigate and reinvestigate, and to produce records confirming this item is accurate and complete but have failed to do so. 

Under 1681i 5 ( a ) XXXX is required to promptly delete this item, not just close it.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXXXXXX. I do not have a contract with XXXX XXXX XXXX, They did not provide me with the original contract as I requested Account : # XXXX Amount : {$220.00} Opened : XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( 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. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts on autopay. dont know why it has a late payment .... account is paid up in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain Financial has failed to honor my numerous opt-out requests from their USPS marketing mailing list. I have requested One Main Financial, verbally, in writing, and through XXXX  complaints, to cease contacting me in any manner, including removing my name and address from their marketing lists. Yet, I have continued to receive loan offfers from them. This has been going on for years. OneMain Financial checks my credit without my knowledge or authorization for the purpose of sending me loan offers in the mail despite being asked to cease contacting me. I will now move to file a complaint with the Indiana Attorney General 's Office. Next step will be legal action from my attorneys at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed account asking to verify or delete as I do not recall having this account open. Credit report is stating that investigation has started and dispute has been resolved. I strongly disagree because I have not received any documentation stating that this account is mine, and that debt belongs to me. I see multiple inaccuracies besides account not being mine. Were information is missing as far as date verified and date has been closed. Date of last activity, date reported, date account had been open, date last payment was done along with credit limit are all inaccurate. Account has not been verified and I have no clue where creditor and bureaus are getting information from this account is not mine.
Product: Student loan

MOHELA received my outstanding loans from XXXX as I have submitted qualifying payments for XXXX XXXX student loan forgiveness. To date, I have not received any billing statement from MOHELA for payments due in XX/XX/2023. It does appear that MOHELA is processing my payment for this month, but it is doing so without having providing me with any bill. MOHELA is required to provide a bill, and to provide that bill in advance of payment. I am concerned this will cause problems in the future for accounting for qualifying payments under XXXX XXXX student loan forgiveness. 

Ive attached a screen capture of my MOHELA accounts My Messages screen, which shows all correspondence for the last 12 months. The only document shown is an acknowledgment that my XX/XX/2023 payment is set for auto debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal.  XX/XX/XXXX), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

hey my name is XXXX XXXX i am writing because The accounts listed below are medical accounts on my credit report. I never gave this company authorization to obtain any of my medical records. This is a violation of hipaa laws and public law unless this company can give me Hipaa authorization form of me giving them consent to obtain my records they must remove this account from my credit report and their records. According to public law 104-191 and this company would also be liable for up to {$250000.00} according to Sec. 1177 of public law 104-191 which states- ( a ) OFFENSE. -- A person who knowingly and in violation of this part -- ( 2 ) obtains individually identifiable health information relating to an individual ; shall be punished as provided in subsection ( b ) ( 3 ) if the offense is committed with intent to sell, transfer, or use individually identifiable health information for commercial advantage, personal gain, or malicious harm, be fined not more than {$250000.00}, imprisoned not more than 10 years, or both. The term 'individually identifiable health information ' means any information, including demographic information collected from an individual, that -- A ) is created or received by a health care provider, health plan, employer, or health care clearinghouse ; and ( i ) identifies the individual; or ( ii ) with respect to which there is a reasonable basis to believe that the information can be used to identify the individual. Seeing as they will gain money in exchange for successfully collecting this alleged debt they are now guilty of obtaining individually identifiable health information for commercial advantage. 

They are committing fraud by having access to my medical records. I want them removed immediately. First they obtained my records fraudulently then they released them fraudulently to the credit agencies as well because I never gave them consent to release any of my information. In addition pursuant to 15 U.S.Code 1681 ( a ) ( 4 ). This company has also violated my right to privacy by furnishing private information about me without any lawful authority or my written consent. Furthermore a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this information reported. 

This company has violated my rights many times however these are the most important reasons. I retain the right to pursue legal action If I deem it necessary however the only request I am making is to have my information deleted from their company records. I also wish to cease and desist all furnishing or verifying of this information to my credit reports. I also demand these accounts be removed from my credit report immediately thank you. 

Account Name : XXXX XXXX XXXX Balance : {$620.00} Date opened : XX/XX/2018 Account Number : XXXX Account Name : XXXX XXXX  XXXX Balance : {$350.00} Date opened : XX/XX/2018 Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two loans with Lakeview Loan Servicing. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XX/XX/2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XX/XX/XXXXto both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because Lakeview Loan Servicing could not prove me wrong. Whatever, Lakeview Loan Servicing did at the time, it seem the did not correct the problem in their system. Since my last communication with Lakeview Loan Servicing in XX/XX/XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.
Product: Payday loan

I applied for a loan through Castle Payday for {$600.00}. At the time of the loan, they did not disclose the interest rate that I would be paying or the full amount of payments that would be charged over the lifetime of the loan. 

They have been charging a 824.9979 % interest rate and debiting my account {$210.00} every 2 weeks for the past 4 months and I still have a balance of {$700.00} 4 months later ( and after many payments! ) I have already paid {$1700.00} and this is NOT PAID OFF?!? 

I never would have taken out the loan if they had truthfully disclosed that my total payments would be {$3600.00} for {$600.00}. 

Payment information : XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - XXXX XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - VBS CastlePayDay XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX XXXX/XXXX/XXXX External Withdrawal - CASTLEPAYDAYCOM XXXX - XXXX XXXX Total XXXX
Product: Credit reporting

XXXX XXXX, XXXX Equifax Information Services LLC To Whom It May Concern : Thanks for the help in correcting some of the adverse information previously reported on my credit report. At the moment I still have some pending accounts, on my credit report, that still need to be fixed. This is why I 'm still disputing the following items : XXXX XXXX I strictly recommend you to start an investigation about the prior delinquency date, creditors name, opening date and type of this account, It seems inconsistent, so do so or simply remove it from my credit history. XXXX XXXX I truly believe that you are committing an error on the account type and status, examine this situation or erase this negative information XXXX XXXX Bank XXXX XXXX Verify and certify the accuracy of this late payment, I really do not know why it is here, so please do so and make the corrections as needed. XXXX XXXX I request from you the confirmation of this collection account, I believe it has been reported by mistake, if so please provide me the whole documentation about it, or otherwise just delete it. XXXX XXXX I know for sure that people make mistakes all the time, and I believe this is XXXX of this occasions, because I have found some late payments that I believe are being reported incorrectly, so expunge all and make it positive. XXXX XXXX This account have information that apparently is incorrect, please verify the status, late payments and terms, and erase them. XXXX XXXX Perform an investigation over this information, I have found somethings that I consider are inconsistent, like the account status, terms, and opening date, If I am correct please proceed to fix it. Incorrect Name XXXX XXXX XXXX Incorrect way to show my name, please remove it and update it to the XXXX appear on my id docs Navient XXXX The status, terms and multiple late payments reported here must be verified carefully, they are showing negative information that could be incorrect and that is hurting negatively my credit history XXXX XXXX Perform a real investigation over this payment history since I 'm not sure about the veracity of these multiple late payments that are showing here, I recommend you to eliminate them and correct the status of this account. XXXX XXXX XXXX XXXX There is a 30 days late payment that I earnestly think is incorrect, so please corroborate this information and fix it. University XXXX XXXX XXXX I feel the monthly payment amount, terms and status should be verified, because I understand they could be incorrect please do your job and correct it. I also need you to please send me the information of whom you contacted during the investigation. 
Great Day! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX/XXXX/XXXX SSN : ***********
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX has violated my rights. 

15 USC 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: Checking or savings account

In XX/XX/XXXX, I noticed a pending ACH transfer in the amount of approx {$3000.00} coming from my personal account. I immediately contacted NFCU to seek details and assistance in correcing the issue. The representative I spoke to on/about XX/XX/XXXX advised that transfer came from my personal account with NFCU and transferred into an external account with XXXX XXXX XXXX that was also in my name. She and I contacted XXXX via conference call and the external banking instituation confirmed the account was flagged for " fraud ''. I was instructed to complete a form NFCU82. The credit union has mishandled my accounts in more than one way. I was told in XX/XX/XXXX and XX/XX/XXXX that I would be issued a provisional credit while the investigation was pending, which has not been issued to date. My previous account with NFCU was also compromised and I was told it would be closed, however it truly was not. 

I have filed an appeal with regards to the almost $ XXXX, which included a XX/XX/XXXX police report regarding the identity theft and a letter from XXXX confiriming that I do not have any personal or business accounts associated with my social security number or FEIN. NFCU advised that a response would be given within 15 business days from XX/XX/XXXX submission. As of today, I have recived no response at all. I am requesting formal contact on filing legal correspondence agains the company, would like full details of any and all investigation that was performed and a status of my appeal promptly. Below is a brief timeline of my communications and questions : XX/XX/XXXX Faxed NFCU paperwork XX/XX/XXXX NFCU acknowledged receipt of the fraud paperwork and advised that an investigator was assigned ( via secure message ) XX/XX/XXXX Contacted NFCU and spoke to XXXX ( Fraud ) who advised that the NFCU 82 was the incorrect form for the type of transactions that occurred. She then emailed me a NFCU 50-Written Statement of Unauthorized Debit Form. Also spoke to XXXX ( Security ) XX/XX/XXXX Called and spoke to XXXX ( Fraud ) who confirmed the initial claim submitted in XX/XX/XXXX was denied, however she could not provide any further details. She attempted to reach out to Security, however I advised her that that dept actually transferred me to her. 

What dates/times were changes made to the method in which I receive account alerts, verification of activity, etc.? 
What account # /banking institution were funds transferred to, from checking account ending in XXXX? 
What IP addresses were the transfers made from and what dates/amounts? 

XX/XX/XXXX XXXX ( supervisor in account services ) XX/XX/XXXX XXXX am  CST missed a call from XXXX in the security department XXXX XXXX  CST Returned the call to security dept. Spoke to XXXX who advised that XXXX was calling in to verify if the auto loan was truly applied for. I re-advised that it was and that I was told my previous reps that the money was being rescinded due to it being a fraudulent loan. He advised that XXXX will be speaking with the business lending department on Monday ( as they are closed for the weekend ) and will give me a follow up call.