23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1. ARS ACCOUNT RESOLUTION ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) XXXX -Status : COLLECTION ( Inaccurate reporting/Unauthorized ) - {$850.00} -Balance updated : XX/XX/XXXX ( inaccurate ) ( This is not my account ) Reporting late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) This account is inaccurate/ Unauthorized and also unverified. REMOVE XXXX. XXXX XXXX ( Requesting to remove this Unauthorized and unverified Derogatory/ collection account. ) This account is involved in litigation. ( Violation ) -Open : XX/XX/XXXX -Status : collection ( Inaccurate reporting/Unauthorized ) - {$600.00} Update this account to be removed and deleted immediately. 

Please respect my consumer laws and honor the changes that are inaccurate and update my report or this is considered a VIOLATION. REMOVE/ DELETE, Pursuant to 18 USC 8, Owe no debt. This company is violating my consumer rights to privacy pursuant to 15 usc 1681b 2. These companies also have NO permission to report ANYTHING using my info pursuant to 15 usc 1681 4. If this item doesn't show delete/ Remove this will be considered as a VIOLATION under 15 usc 1681s-2. 

XXXX. Unauthorized inquiries that were violating my report due to no consent given/ I did NOT GIVE NON OF THESE COMPANIES PERMISSION TO PULL MY REPORT. Please remove it immediately. 
- XXXX XX/XX/XXXX ( NO CONSENT ) -XXXX XXXX  XX/XX/XXXX ( NO CONSENT ) XXXX, XXXX XX/XX/XXXX ( NO CONSENT ) XXXX XXXX  ( NO CONSENT ) -XXXX XXXX XX/XX/XXXX ( NO CONSENT ) These companies all violate my rights 15 usc 1681s-2
Product: Checking or savings account

I received a 2 pieces of mail sent to my home address dated XX/XX/19 from State Farm Bank with whom I have never done business with and do not intend to. Mail received said I had opened and deposited {$2500.00} into a checking account with State Farm Bank which was not authorized by me.Unauthorized checks were printed and delivered for this account. I had not had any contact with this bank. I do not have any other accounts with this bank. I do not have a signature card with this bank. 

Received letter dated XX/XX/19 from State Farm Bank stating that address on the account has changed. New address is for another family member. Asked family member about this and family member is stating the bank made a mistake. 

Contacted State Farm Bank on XX/XX/19 by phone using the number listed on mail received. Bank representative stated that the checking account is in the name of the family member that the address was changed to. I asked how this account was put in my name and was placed on hold. Bank representative was not coming back to talk to me so I ended the call
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I financed a blackXX/XX/XXXX XXXX XXXX through Sierra Auto Finance InXX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to Sierra Auto Finance so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called Sierra Auto Finance to get my car and pay for repair expense, I spoke with someone named XXXX & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ Sierra Auto Finance ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX  credit report, after I disputed the information it was changed to a charge off with a balance of {$XXXX}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
Product: Checking or savings account

On XX/XX/ I attempted to open a checking account and ended up changing my mind 10 min before they close due to being rushed into opening this account for a check I wanted to cash with the same bank on the check. They refused to cash it and said I had to come back with the check because they already opened the account. I never signed any documents to open this account nor was I given any paperwork. I also had another branch say it was not open then I was told it was frozen but on my credit report its showing as open an I need to report this because its very high risk for me. I never signed anything with this new account she forged my information and I never completed the process. I have it recorded also and I have witnesses the day this happened to be at approx XXXX before they closed. I didnt open an account she had no right to do this to me.
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.In accordance with the Fair Credit Reporting act. 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
Product: Mortgage

Our mortgage loan has been sold and servicer changed with no notice. Our mortgage loan originated with USAA in XX/XX/XXXX and was serviced by XXXX. Supposedly notice was provided on XX/XX/XXXX, of our mortgage loan being sold to XXXX and serviced by XXXX XXXX effective XX/XX/XXXX, but we have received no notice and USAA can not provide documentation of the notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX contacted me concerning a XXXX XXXX credit card in my name which they believe is " POTENTIAL FRAUD '' as a result this card is blocked. 
XXXX XXXX is reporting this card to the credit bureaus as mine even though it is listed as " Potential Fraud '' by their own Fraud department. 
If XXXX XXXX believes there is some kind of fraud concerning the XXXX XXXX credit card in my name than any information they report to the credit bureaus including any balance would be inaccurate. 
As a result of XXXX XXXX 's belief this account should and must be deleted from. my credit report. If XXXX XXXX declares the information reported to my credit reports is accurate they would be deliberately contradicting their own fraud department and intentionally reporting inaccurate information to the credit bureaus concerning me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This is a Delta SkyMiles Platinum American Express card. Although I can not fly nor are there even future flights available ( the schedule is reduced, and I understand why of course ) they still billed me the full annual fee in XXXX. {$450.00} I only own this card for the benefits while flying + the miles earned.

I suggested two solutions. 1. I would split the membership fee with them. 2. Defer the billing of the annual fee until the flying situation was clarified - I could travel leisurely or for business as a non essential worker. 

Their response triggered this complaint. It was not because they were rude or did not communicate pleasantly, both of which are true. It is because they repeatedly transferred me to other areas to SELL me either additional cards or travel services. They took my inquiry as an opportunity to try and get more money out of me. Not acceptable. 

Since I have paid the fee in full, but am a most dissatisfied customer. I believe it is AmEx that is guilty rather than Delta.
Product: Credit reporting or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous and fraudulent information reporting on my TRANSUNION Credit Report and I am refilling this complaint. I am not sure if you have conducted a thorough investigation as I have requested for so many times and they seems ignoring my request and not taking action. I have included my FTC report to support this complaint with the report number XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, Account # XXXX, Account # chapter XXXX bankruptcy, Account # 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
Product: Credit card or prepaid card

Hello, There is a Chase Card on my credit report, I don't even have the full account number just the partial provided on report. It says it was opened in XX/XX/2017 last year. Oddly enough it has a credit limit of {$11000.00}, but there is {$21000.00} balance and it has been like that since it appeared on my credit report. It says there is a monthly payment of {$660.00} and it appears to be " current '' with a couple months with late payments according to my report. There is an inquiry on my report for this card on XX/XX/2017. I assure you I XXXX XXXX XXXX did not open a credit card on this day. I only have one credit card and its with XXXX XXXXXXXX XXXX. 
I did not open this credit card but do know this was around when the XXXX  security breach occurred. This card is not on my husbands credit report either. 

I have disputed it many times, but this is fraud and I need help getting it off my credit report! I don't know even where to start with Chase since trying to get it removed with a online dispute hasn't worked. Please help! I do not have a Chase Card. This is causing huge issues, I believe this is a part of the breach and I tried to get help from XXXX as well. I did not authorize this card inquiry and this is not me!! 

Please help me!
Product: Debt collection

Hi Im currently in litigation with RCS Recovery Services for a second mortgage for a home foreclosure. The primary mortgage is responsible for paying the second and is refusing to even acknowledge it exists or that the first, XXXX XXXX, received an overage on the note due to them. RCS will never get a dime from me. They are liars and are harassing me for money that is actually owed from XXXX who took the property. Banks not paying each other is not my problem.
Product: Student loan

helloi went to XXXX school in XXXX fl. I took out a sallie mae loan so i can afford it. I called them today to find out how i could pay down my principle, but they said that all extra money goes to future interest. Im struggling to afford the payments and i feel like a serf from the high middle ages. My complaint is that paying on principle is not an option, i feel like this should be illigal. After all they say they are committed to help me dream, invest and succeed. Or is that just for their shareholders. thank you
Product: Debt collection

My name is XXXX XXXX I had a charged off XX/XX/XXXX.. from XXXX.. I only owe XXXX. I keep all my records and have found the original debt. The debt collector pressler & pressler, who bought this debt from another company : XXXX XXXX, garnished my check in XX/XX/XXXX for XXXX or more dollars & again in XX/XX/XXXX seized monies of XXXX out of my XXXX XXXX account.. Now I just received a letter from them getting ready to garnish my paycheck from my current job.. I need help.. I 've decided to call them today to speak to a lawyer and ask for a itemized detail bill of charges..
Product: Credit reporting or other personal consumer reports

I am submitting to provide an update on my recent complaint regarding fraudulent activity affecting my credit report. In accordance with FCRA Section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report with reference number XXXX. I have attached the necessary documents to support the removal of erroneous personal information and unauthorized inquiries from my report. Here is a list of items that were opened without my consent : XXXX : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/21 I made a purchase at XXXX on XXXX XXXX XXXX in XXXX. The sales associate asked me if I wanted to get a rewards card that can be used only in the store to accumulate points. I repeatedly told him I did not want a credit card and confirmed by direct question that it was in fact not a credit card. He assured me multiple times that it was not a credit card but rather a rewards card. We had this back and forth numerous times. After I applied for this reward card, I handed him my own credit card to make the purchase. Subsequently, I learned that a Mastercard had fraudulently been opened in my name when I received a bill and that my own credit card that I handed him was never charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
I submitted a notarized self attestation under the penalty of perjury in addition to a copy of my birth certificate, a list of adverse items to be blocked that are a direct result of human trafficking. 
I spoke with a manager at the number designated for survivors and was told on a recorded line that my notarized self attestation was not acceptable that I needed to submit additional victim documentation. The information was in violation of rule 605c. Please block the adverse information listed and provide further compliance training for XXXX compliance management and their employees that will handle disputes from trafficking survivors. 

Equifax mailed me confirmation of a fraud alert that I DID NOT request. 

Please review the FINAL RULE of 605c and require additional compliance training.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and informing you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at this very moment : These items are reported inaccurately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX This was the letter I sent several times with no response from either bureau. These account are being reported incorrectly be the credit agencies.
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$760.00}.
Product: Debt collection

Gordon, Aylworth, & Tami PC have threatened and opened lawsuits for a persons debt that does not belong to us, and continues to send us mail. On XX/XX/year> we rejected a summons which we can only assume is a lawsuit. The debt for XXXX XXXX XXXX is not ours, not tied to either my social nor my husbands. Weve informed them and their debt collection agency, XXXX XXXX XXXX, of this over certified mail multiple times. In the most recent complaint response, the firm did not indicate that the matter was dismissed nor that collection activities would stop as demanded in our cease and desist to XXXX XXXX XXXX.
Product: Consumer Loan

Case number : XXXX. This is a follow up complaint to the Case number XXXX sumbmitted to CFPB on XX/XX/2016 - Here a summary of Complaint ( Ally Financial has continue to list incorrect and incomplete information on my credit file, I have disputed this account several times with XXXX credit reporting agency Ally financial has continue to list incorrect and incomplete. For example date of first delinquency and date of major delinquency is incorrect with is making the negative account stay on my credit file longer ). As of today XX/XX/2016 the account has not been corrected and still reported as derogatory account. I contacted Ally financial several times on XXXX/XXXX/16 and XXXX/XXXX/16, which was not an easy task and have been advised that I was correct and an update was send to XXXX on XXXX/XXXX/16 to update delinquency as is the way pass the 7 year mark. I am not going to wait another 30 days for Ally and XXXX to get they act together and have this account corrected. This has been a nightmare and inconvenience to me to have to go these lengths to have this account corrected removed. This correct need to be handle ASAP or I will seek legal action. I have attached the response from Ally from XXXX 2016.