23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I applied for an FHA loan through a company called Bay Equity. I dealt with a very unethical salesperson/scammer, named XXXX XXXX XXXX This person sent me a loan estimate and verbally told me that if I go with him, I would get a 4.5 % rate for my FHA mortgage ( no admin costs ). Within 2 hours, he said that he could no longer give me that rate because my credit score came back below their 640 cutoff. I had just pulled credit with another lender within that same 30-day timeframe and my credit was XXXX. I asked that he send me proof of my credit score and he said " I didnt believe him '' and that he would no longer correspond with me because he sells 30 loans a month and doesnt need my business. He did not send me this info even after repeated attempts to get it. I called and filed a complaint and a rep from their legal counsel called me. She said she would have someone reach out that could get me the rate agreed to and my credit info. A sales supervisor called and told me XXXX did lie and that they showed my credit score to be above their 640 cuttoff. He said he would look into a solution and call me and never called me back. Now, the rates have increased, I lost the home I put an offer on and still dont have the credit info I asked for. Additionally, XXXX tried to trick me by emailing me and stating that he could possibly " trick '' his system into giving me a XXXX credit score so I would qualify but that I needed to pay additional admin fees to him. I have saved all email correspodences.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agencies such as XXXX, Equifax, and XXXX, along with the Financial Institutions XXXX XXXX XXXX and Credit Collections have violated my right to privacy and right via the FCRA. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. The identified transactions are not information related to any transaction by me as the consumer. This information being reported has caused harm to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Mortgage

It turns out wells fargo provided personal information about the account holder to a XXXX  XXXX. I had to make a police report cause he has a hold on my sister 's information and is now having us to go to probate court. Really a XXXX  pretending to be her husband?! After I sent forms to wells fargo how my sister 's death certificate was falsified and the funeral home is being investigated by texas funeral commission. What a shady bank!
Product: Credit reporting or other personal consumer reports

I found some discrepancies in my credit reports between credit buries. Please I need accuracy in my reports. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX, CA XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATION/XXXX XXXX XXXX opened XXXX XX/XX/XXXX Balance : {$2000.00}, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATION/XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}, DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX {$1400.00}, and DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$7900.00} XXXX
Product: Debt collection

This complaint is THREE fold. 
First, they have called me, my relatives, my minor daughter, my work, etc misrepresenting themselves - cursing - threatening - making calls all hours of the day and night. 
Second I sent them a CERTIFIED LETTER RETURN RECEIPT on XX/XX/2022, when this first began which they signed for. Note - I had never received anything in writing from them beforehand as is required by law. They have FAILED to comply with my letter/rights as set forth in the Fair Debt Collection Practices Act. I even told them in this letter that XXXX XXXX, their " client '', never submitted the claim into my MEDICAID ( Maryland ) which they had at the time of services and were legally required to do. Hence, I owe them NOTHING. 
Third, my personal credit is PERFECT. And now, almost 2 months later they report this as a collection to the major credit reporting agencies. 
I am battling cancers and I don't want or need this drama. 
They need to be stopped and held accountable for their illegal actions.
Product: Debt collection

Per the original creditor, as of XX/XX/2019 they were informed ( CMRE ) that this bill was null and void. To remove it from my report. 
They refuse. I've filed 8+disputes. 
Also, 2 confirmed conference calls WITH both agencies and everyone understanding on the phone with above said issue. 
As of XX/XX/19 they ( CMRE ) hung up on my 3x while trying to fix this. 
They also hung up on XXXX XXXX. 
Rude. Unprofessional. CMRE for some reason doesn't want to follow rules and directions. It's as if they don't want to let it go ... please help me!
Product: Credit reporting or other personal consumer reports

I disagree with your choice to deny my allegation of identity theft. Why do you have the right to determine whether or not I am a victim? You have neither the authority nor the legal basis to make such a decision. If you don't agree to my claim, I'll get help from my lawyer to take this matter to court. I must stress that my identity theft claim complies with all legal requirements. As required by law, I have turned in an official report to a government agency. Together, let 's work to find a solution to this problem in the allotted five days. XXXX XXXX I want to be very clear that I will not stand by and allow this egregious injustice to continue. You will pay a price if you continue to reject my legitimate claim. I have no qualms about consulting with my lawyer and seeking a court order to address this ridiculous circumstance. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My frustration and anger are beyond measure, and I am resolved to see this blatant injustice rectified. The law is on my side, and I will not rest until justice is served. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, 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.
Product: Credit reporting or other personal consumer reports

I've been trying to get MoneyLion to remove a closed account from my credit report. They incorrectly reported that I had a late payment, but when I showed them that not only did I not have a late payment, I was also refunded when I closed my account. Now, they are refusing to remove the closed account from my credit report. I'm requesting that this issue is resolved asap.
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC. licensed out of Minnesota with a phone number of XXXX ( XXXX ) XXXX ; - continuosly violates CFR 31 1.32 after i have repeatedly explained the regulation ; - refuses to provide proof of claim ; - refuses to accept my tender of payment ; and- refuses to close and settle the account. 
Note : All over the phone -- all calls are recorded by both parties. 
I would like to send written notice but they refuse to provide the account details so that i might notate the account for settlement and closure. 

Account Details to the best of my present knowledge : name : XXXX XXXX DOB : XX/XX/1992 Adress : XXXX XXXX XXXX XXXX, Colorado XXXX In-short ; they sure seem to be demanding a lot but cant provide anything in return. 

Finally, it would appear that this debt collector, as per the XXXX profile associated with my person, has in-fact purchased this debt. Therfore i am no longer party to this contract. 

[ *NOTICE* You, JEFFERSON CAPITAL SYSTEMS LLC. , have 30  days from the date of this complaint to either ; 1 ) Provide lawful Proof of Claim to my address as you have on file via certified mail ; and/or 2 ) Pay to and for the account of The United States as per 12 USC 95a ( 2 ) and/or 50 USC 4305b ( 2 ) as the obligations rest within 18 USC 8 ; else you agree to settle and close the account in full within the above alotted 30 days. 


w/o respect, XXXX XXXX XXXX ( signed ) XXXX ( sealed ) w/o recourse ( delivered ) ]
Product: Debt collection

the law office of XXXX XXXX XXXX filed motions in court in a small claims case, where another attorney was involved in suing me. XXXX XXXX XXXX has a different bond number that that of the attorney suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

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

On XX/XX/18, a certified letter was sent to Trident Management regarding a debt owed in the amount of {$720.00} on my credit report. I specifically asked for authorization and validation bearing my signature regarding this said debt as I'm not aware of this claim. I was instead sent a bill demanding payment. I have been disputing this debt for a year now to no avail. Upon further investigation, XXXX reviews, and XXXX reviews, this company has been labeled as reporting fraudulent activity on consumer reports. I demand that they sent me validation of said claim or contact all 3 major credit bureaus to have this item deleted.
Product: Debt collection

I keep getting threatening emails from a lawyer at speedy cash, I have never taken out any loans. They keep asking me to send money or I'm gon na be prosecuted in a local courthouse. I need this to stop. It us harassment.
Product: Bank account or service

XXXX of my Navy Federal Credit Union credit card payments was past due and I was locked out of all account services online and on the app. I was only given a prompt to pay the bill. I paid the bill but was still locked out of all services because it takes several days to process credit card payments. I was unable to see my balance or perform any other actions. I then called Navy Federal and had to verify payment with them to unlock my account. I was only told that this was a normal part of the system. 

I understand why it happened, but the fact that it takes several days to process payment means that the system is impractical and potentially harmful as it is now.
Product: Money transfer, virtual currency, or money service

My bank in XXXX sent me a large wire on XX/XX/XXXX, which usually takes 2 business days to be received by my credit union here in XXXX. The transfer apparently went through Chase 's centralbank in XXXX XXXX. We did n't know this until a week after the money was sent and I still had n't received it. We had to run 2 traces on the money until we finally received some responses. Chase in XXXX  was holding the money. Why, we were n't told. We had to run an investigation from my bank to find out Chase was holding the money, because supposedly it was sent with the wrong code and was n't convertible. Mind you, I have received wires from my parents before and there were never any issues. After having received no communication at all from Chase, the money supposedly got sent back this week on XX/XX/XXXX. The bank in XXXX still has n't received the money back, nor any kind of notification or communication from Chase. Currently the money is missing and the XXXX sender bank started another trace. This is a huge inconvenience and is costing me and my parents a large amount of money in interest ( the money was supposed to pay off my house ) and I may lose my house over this. Not even mentioning the aggravation and worry over where such a large sum could have gone. This whole process has been a mess and there has been little to no communication from Chase
Product: Credit reporting, credit repair services, or other personal consumer reports

This report is for NAVIENT student loan service.They keep attacking my credit after I have been making regular monthly payments.I am pay {$23.00} dollars over my agreed amount and still my balance is increasing.Navient is a fraudulent company and should be shut down.They are fraudulently charging customers interest to increase XXXX XXXX 's bonuses.This man and his staff should all be jailed.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization. These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

4. Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. Immediate notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the unlawful reinsertion of a previously disputed and removed debt on my credit report. This reinsertion occurred without the legally required notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned about the accuracy of the information provided, as well as the protection of my personal information, which federal law mandates must be safeguarded by your agency. Accuracy Obligations Under the FCRA and Case Law The FCRA imposes a duty on credit reporting agencies to maintain and follow reasonable procedures to ensure the accuracy of information included in consumer reports. This duty is articulated in 15 U.S.C. 1681e ( b ), which requires that CRAs ensure maximum possible accuracy. Several court decisions underscore the importance of this obligation : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court held that a CRA is responsible for verifying the accuracy of information in a consumers credit report and can not rely solely on the information provided by creditors, especially after a dispute has been raised. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that CRAs must conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report, and that they can not simply rely on the information provided by a creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case emphasized that CRAs must do more than simply verify the accuracy of their data with the original source ; they are responsible for ensuring that the data is correct. 
Permissible Purpose and Protection of Personal Information In addition to ensuring accuracy, federal law requires that CRAs only share my personal information with third parties who have a permissible purpose under the FCRA. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a CRA may furnish a consumer report, which includes credit transactions, employment, insurance underwriting, and other legitimate business needs. Importantly, 15 U.S.C. 1681b ( a ) ( 2 ) requires that my written consent must be obtained before sharing my credit report for purposes other than those listed in the statute.
Product: Credit card or prepaid card

I have a American express prepaid gift card and the same day I got the card the card was used. I tried working with the company that made the charge and go no where. Then I tried to work with American Express and they wont help me even tho theres a police case. Every other gift card company like XXXX and XXXX offer help to get your money back but American express do n't care about you.
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




UNAUTHORIZED INQUIRY : XXXX XXXXXXXX BAN XX/XX/year> EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

I took my husband to get a loan. I ended up cosigning and now that it could not be paid off my credit is suffering.