23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

At no point, have I ever authorized any accounts with Barclay 's Bank of Delaware or their debt selling partner, XXXX XXXX XXXX. 

I have repeatedly requested a copy of the original agreement from Barclay 's Bank of Delaware, the ( alleged ) original creditor, as well as XXXX XXXX XXXX ( debt buyer ), proving that alleges that I am responsible for this account. Barclay 's admits that they do not have it on file, which makes me wonder how they could approve a debt sale to a debt buyer without proper legal authority. In this case, that debt buyer is XXXX XXXX XXXX ( XXXX ). 

XXXX also claim they do not have the original authorized agreement either, BUT still have the right to report an amount of ( over ) {$4900.00}, the debt they allege is in my name. They only send copies of XXXX sheets with the status of this account since they acquired it and further refuse to offer the concrete proof that I asked for. 

I say again, at no point, did I authorize Barclay 's or anyone for that matter, to open an account in my name. I ( personally ) did not pay any amount on this account EVER and, obviously, did not sign/authorize the sale of any debts which were created fraudulently using my name/SS #. 

I WANT TO SEE THE ORIGINAL AGREEMENT FROM THE ORIGINAL CREDITOR, NOTHING ELSE! 

If XXXX continue to provide false information to the credit reporting agencies, I am going to file a formal complaint to put this falsehood to bed once and for all.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX I try to get a hold of cashapp through the links inside the app. They were all dead. So I went to XXXX  to find cashapp customer service. When I called it sounded like a call center for cashapp but ut was scammers and casjapp offered no help when o contacted them to recover the money. I knew it went to XXXX  XXXX XXXX on XXXX in the amount if XXXX I contacted them on XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX with no resolution XXXX XXXX XXXXXXXX is the accoubt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been 30 or more days late on my XXXX  XXXX account for my car loan .. XXXX  XXXX is affecting my credit with these false /erroneous late payments.. This is a violation of my rights.. Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency 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 the File in ( 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 reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Account Number- XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Debt collection

For this account, I bear no responsibility. Even with this, I am not under any contract. I've already disputed this account, but you haven't shown any identification of me. Not mine, this. This can hurt my credit because it is false.
Product: Credit reporting or other personal consumer reports

I reviewed my TransUnion credit report and found inquiries that are not mine. Attached herewith are required documents with the inquiries found.
Product: Checking or savings account

XXXX XX/XX/2021 at XXXX tried to access ATM at XXXX XXXX XXXX In XXXX CA. After downloading XXXX app for access I tapped on ATM system prompt. Immediately Error popped up stated sorry, this feature doesn't work right now. 

Called phone CSR at XXXX XXXX  same day and took 16 minutes to Get rep. Rep was stating I had to be at location? I gave address and filed complaint to be noted. 

Why can I not access ATM without card? This change is only since XX/XX/2021. This is not accessible banking.
Product: Student loan

Company named Valentine & Kebartas keeps calling about a debt they purchased from XXXX, XXXX purchased from XXXX, XXXX was XXXX XXXX. I originally had my loan with XXXX XXXX. The company in question will continue to call my personal cellphone, then call my place of employment during the day. Tuesday after attempting to call my cell phone 5 different times from all different numbers they then proceeded to call my place of employment. I answered the phone and requested for the 4th time that they don't call my office ( this has happened before ). I told them to call back tomorrow, they did while i was at work, I told them to call me after work and I gave them a time that worked best for me. They called me back XX/XX/2020 at XXXX, I spoke with a gentleman who claimed to be the case manager. I told him that my wages are already being garnished for Federal Student loans and that I had just enough money to live on and no way to pay them. They then threatened me and said they would come after me. I stated that I already have my wages garnished, get in line with the rest of the loan servicing companies. He then got extremely upset, cursed at me and threatened me again. I got a fax today at work for employment verification, which I filled out and sent back. I have a feeling that they will continue to harass me and threaten me. I told him that his actions were unprofessional and unethical, that is when he got very angry at me, cursed at me and hung the phone up. I know my rights and I know that this is not how you should be treated. That is why i have decided to file this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX XXXX  Account # beginning in XXXX and ending in # XXXX has violated my rights. 1 5 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.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
Product: Prepaid card

Basically I was gifted an American Express Gift Card it's value is {$80.00}, I can not purchase anything with the card with any of the sites I've attempted. Honestly false advertising to say that it works with most sites, because it is a blatant lie.
Product: Credit card or prepaid card

On XX/XX/2019 and on XX/XX/2019 American Express is in violation of : the Privacy Act, the Banking Act, The Federal Consumer Credit Protection Act, the Fair and Accurate Credit Transactions Act, Federal Trade Commission Act, Health Insurance Portability and Accountability Act, by not sticking to the agreement of the credit limit of {$5000.00} and {$1000.00} in cash advance they discriminated against my father XXXX XXXX by discriminating against his age and XXXX and made fraudulent claims that they based their decision on with lowering his credit limit. The letter they sent claims that the balance was too high and that his credit history was bad and made many other false claims that his credit report clearly shows they are committing fraud discrimination and perjury. They are trying to force my father to disclose additional private information and holding his right of appeal to this discriminatory and retaliatory change hostage for this private information. They also have refused to lower the APR on the current credit balance, and have made claims that they can not lower it or even look into it. I demand a formal investigation into this criminal activity that is clearly a violation of the law. This is involving American Express Account ending in XXXX.
Product: Credit reporting

Every year, since XXXX I have reported Equifax to XXXX for failure to provide consumers with their free credit report. I go online to get my free annual credit report from the XXXX agencies. For the past 4 years, Equifax is the only one that has refused to provide me with my free online copy of my credit report claiming, Online Delivery Is Unavailable and I need to submit a mail in request. They then forward the consumer to a link, where you have to pay {$4.00} for a limited version of your free credit report. Every year Equifax is committing fraud by putting questions in their system that does not apply to my credit history. All of the questions I am asked to verify my identity, Equifax is deliberately asking me questions that are not in my credit history. I did a print screen of the questions : telling me I have an auto loan, how much is they monthly payment and an installment account opened in XXXX. Problem is, I have not owned a car since XXXX and have not opened an installment account/personal loan since XXXX. While other questions pertain to a state that I never lived in. After contacting them, they sent me a link that does not work to make it seem like they are trying to help. Clearly, Equifax has a significant amount of erroneous information on my credit report, because my credit score with them is below XXXX, while my score with the other XXXX agencies are the high XXXX 's. When I disputed incorrect information on my Equifax report in XXXX, not only did they not want to investigate the errors and make the corrections, the following year XXXX to XXXX, I have been blocked by Equifax from receiving my free annual credit report from their agency. I was sent several emails with the same link that did not connect me to Equifax or XXXX to get a copy of my free credit report. I have filed a complaint with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EXPERIAN 6 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 60 days.
Product: Debt collection

A company - AMSHERCOLLECTIONSERVICES 11 XXXX XXXX XXXX Appeared in my credit report. I have never received communication from this agency, I have no knowledge of this debt or why it is owed and they submitted the action during the NY shutdown when items were not to be added to credit reports and there was a moratorium on action being taken in accounts. This action severely hurt my credit and prevented me from being able to receive a loan i needed to purchase a new fridge.
Product: Student loan

I talked to a rep a few months ago about my Chase Private loans and she said no more interest would accure on account and my payments would be $ XXXX month until account pd off. I told her I needed to discuss with my husband everytime I call back they are not working with me on an affordable plan I was recently offered. 
They are giving me options that are not affordable at all. I want what I was offered so I can start paying on these loans.
Product: Mortgage

Ocwen has notified me that my mortgage payment is going up due to a shortage in my impound account, HOWEVER, they will not tell me how the shortage occurred. They sent me ( twice ) a yearly statement that showed them starting with a shortage but what they collected versus what they paid would have left them with a nice reserve. I sent a Certified letter to XXXX XXXX, XXXX of XXXX and was completely ignored. What I pay each year is in excess of what they pay out ; they should be able to show me where they went wrong in creating this possible shortage. In phoning them, I have spoken to other XXXX where the contacts have no idea of why there is a shortage, they say someone will contact me ( they do n't ) and then say they will transfer me but disconnect me, all while I can barely understand them with their heavy accents. They continue to send me statements with the higher payments and with no reason or explanation. This is a HAMP loan and from the start has had a surplus in the Impound account ; WHAT HAPPENED TO IT???? I 've checked my taxes and insurance and I still have a surplus due to small increases in my payment when these changed. There condescending attitude is ridiculous!
Product: Credit reporting or other personal consumer reports

Please be advised this is my sixth WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted XXXXXXXX XXXX XXXX XXXXXXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXXXXXX Unverified Account Thank You, This is no a duplicate message and this is me I have my id and social security card attached as well as a utility bill. Thank You
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charged off XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XXXX  XXXX amount- XXXX $ I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as XXXX and Experian to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801. 

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ). 

Regrettably, I have not been duly informed by XXXX XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA. 

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns. 

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect. 

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting

I XXXX XXXX have things on my credit report that should not be on there. Certain things have reach there statue of limitations, and other things, where my social security number has been use as fraud. I would like this things taking off my credit card. I never had a mortgage, never bought a home yet.
Product: Student loan

This is my 2nd complaint on Naviant XXXX XXXX. I'm a co-signer for my daughters loan. The aggressive approach of non-stop calls all day, is causing me health issues. I have asked Naviant to stop calling me, and to focus on my Daughter who is the primary loan holder.

This company has many, many similar complaints for phone harressment, but CFPB keeps closing each complaint, and Naviant continues there illegal loan collection tactics. 

I need to be released from this loan. I'm retired and on a fixed income. This loan is XXXX XXXX XXXX. 

When, CFPB, is someone going to do something about Naviant. 

Please help me CFPB.