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

I want to stress emphatically that I've maintained a flawless payment record on this account. It has recently come to my attention that, while all other accounts are rightfully marked 'Paid as agreed ' on my credit report, there's a single account associated with a different account number that is erroneously reported as 'past due. ' This stark inconsistency not only casts doubt on the accuracy of my credit report but also raises significant concerns regarding potential violations of my rights under the Fair Debt Collection Practices Act. Addressing this discrepancy promptly is essential not only for rectifying my credit history but also for upholding the integrity of consumer rights and fair debt collection practices.

According to 15 U.S. Code 1681e, consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. It has come to my attention that there are discrepancies in my credit report that are in violation of this provision.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fra
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is reported to have a derogatory rating, which is greatly concerning to me. I am worried about the impact it may have on my credit, as I have recently been denied a loan and my existing credit accounts have experienced increased interest rates. I want to emphasize that this negative rating has caused significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that " they are consistent with industry standards '' when the Fair Credit Reporting Act don't requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. I have suffered monetary actual damages from the results of Navient furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. *see attachments*
Product: Credit reporting or other personal consumer reports

please reverse all late payments with all my credit cards to be on time and paid as agreed. 
I was very sick with a XXXX XXXX XXXX. 

please forgive me for being late and in the future i promise to be on time
Product: Credit reporting or other personal consumer reports

I checked my credit report today and was surprised to find inaccurate accounts listed for no apparent reason. I routinely review my report, but this time, there were unexpected errors. I tried refreshing my browser, hoping it was just a minor glitch, but the mistakes remained. Because of this, I am requesting a careful review of the documents I submitted so I wont have to deal with this concern again.
Product: Credit reporting or other personal consumer reports

Called and gave them the info. They informed me to file the report. Im a victim of identity theft these items are not my transactions conducted by me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$6300.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX {$63.00}
Product: Mortgage

I sent a signed letter to Mr. Cooper asking to remove PMI. I was told I have a type of loan that can not remove PMI. I went through all closing documents and can not find a disclosure that says this. Mr. Coopers website says we will automatically remove PMI when LTV reaches 78 %. Website also says send a signed letter to Mr. Cooper with account number in order to get PMI removed. I reached out to a mortgage lawyer and was advised to submit a complaint with CFPB. 
I am so upset that i have to pay {$140.00} per month for 8 years when the LTV is at 77 % based on original appraisal and 60 % or lower based on the lowest estimates of current home value. This is a giant rip off. there is no risk on this mortgage and there should be no insurance!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with wFair Credit Reporting Act XXXX Account # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

Santander keeps on adding additional fees to my account and I have tried to have them fix my account but they keep delaying it and adding more fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX : XXXX Please remove these late payments from my account due to natural disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received alerts that my score has went down tremendously. I contact the consumer reporting agency to figure out what was going on. I sent a CFPB complaint prior months and my response was that the information wasnt reporting on my consumer report. I have been hung up on. It seems that I can not access to anyone on the phone and when I am speaking to someone they make it seems as if they cant hear but I know that it is bs. I have been treated unfairly and discrimination. I feel attacked and I have several pre recorded calls with me an agents talking and them telling me awful bullying words. I will litigate and file a civil law suit due to discrimination, bullying, privacy of my rights on my personal information, no consent given to consumer reporting agency, which did not interview anyone, reporting false information. My record indicates that several times this consumer reporting agency was able to create false lies. CFPB allowed consumer reporting agency to lie and create this malice to my consumer report causing Defamation trying to ruin my character which damages me and my reputation and that I am irresponsible. My character matters to me and it is important you are the reason for this distress. XXXX and XXXX and XXXX XXXX  isnt worth {$1000.00}. I demand compensation for my health time and interest for the terms that this information was reporting onto my consumer report without my consent. Not giving consent is fraud. I did not give any consent. I did not give any consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Your response really infuriated me! How can you dismiss my request for assistance with my credit report as if it's insignificant? Your explanations are nonsensical, and it seems like you're disregarding my concerns altogether. 

Here is the list of the following account need to DELETE : XXXX XXXX and XXXX XXXX . 

I'm not playing games here I genuinely believe I'm a victim of identity theft. I provided you with all the evidence, and you're suggesting that I made a mistake or lied? Seriously? I need you to reconsider and ensure accuracy this time. 

If you require additional information, just ask plainly. Don't hide behind convoluted language and confusing explanations. I want this resolved promptly, and I mean now. If you still refuse to listen, at the very least, honor my request and add the statement of continued dispute to my credit report, as I requested.
Product: Mortgage

I am undergoing a short sale and have submitted all of the requested items through the realtor. The realtor sent me a screenshot from XXXX on X/X/2017 that said " Thank you for uploading all the requested documents. This short sale file has completed the processing phase and is now in transition to the auction phase. Please allow 5 to 7 business days for the reassignment and initial negotiator review process. The negotiator will contact you regarding any additional information that may be needed. Thank you. XXXX XXXX Also this was received today " This message is to inform you that the offer submitted in XXXX via the tasks has been received and is now being referred to XXXX  to conduct the Offer Validation Program. Please keep in mind weve saved a spot for the original offer to participate in the online marketing event. Simply have the buyer call XXXX customer service at ( XXXX ) XXXX or XXXXXXXXXXXX and theyll assist the buyer in getting registered. Auction dates will be set within the next 7-10 business days and will be available on the XXXX website once set. These dates will not be provided please be sure to check XXXX for the dates. Keep in mind the following : 1. ) You will remain fully involved with your listing. 2. ) Your commission stays 100 % intact. 3 ) XXXX Services are paid independently of your commission. '' From XXXX XXXX from XXXX. <P/><P/>As you can see I and the realtor are doing precisely as directed by the lender and I 'd like to do a short sale to prevent a foreclosure however it definitely appears that the bank wants to foreclose as I received a notice of Trustee 's sale today. <P/>There is an existing offer and the home is going through a short sale auction where the winning bid may purchase the home, but I am not sure they will be able to if their is a Foreclosure Sale date in about a month. <P/><P/>Please help me avoid foreclosure.
Product: Credit card

Synchrony Bank closed my XXXX card account with notice based on false information of a delinquent account on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  or XXXX XXXX is not my account and I have been exposed to identity theft, I have never been provided a contract with my signed signature stating I owe this debt. Please delete immediately. I have never done business with any of these company 's not happy.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were 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. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$78.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I get several missed calls and then when I do pick up I am hung up on and this time it was from phone # XXXX on XXXX @ XXXX pm XXXX. I called back and asked for a supervisor to find out why people are calling and hanging up on me and to the nature of the call as well. 

Repeatedly when I would ask a question I was responded to with a question. When I finally spoke to a " XXXX '' who claimed to be the supervisor he said he was with FMS and they are an asset management company. I had repeatedly asked if this is a " debt collection company '' for which again I would receive either no answer or a question back in response. 

This is very shady and deceptive to say the least and all I could gather from the call and from speaking to XXXX is that FMS is an asset management company and he said he was located in XXXX. 

I do have my call back to FMS and XXXX recorded and am more than happy to provide a copy by whatever means necessary. 

XXXX ended the call by asking if I wanted my number removed as if this was a telemarketing call. I told XXXX I am well aware of the FDCPA laws and and believe this is a collection call so I told him to " cease and desist '' not even knowing if in fact this is a collection call but simply due to the lack of information being provided by FMS XXXX XXXX, it just feels like a typical shady collector call.
Product: Payday loan, title loan, personal loan, or advance loan

Cherry Technologies inc, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX phone XXXX ... XXXX Details XXXX XXXX Florida XXXX XXXX XXXX hwy XXXX XXXX ...... 
I am writing to formally file a complaint regarding an unresolved loan dispute with Cherry Bank. The loan in question, totaling {$1800.00}, was issued to finance a beauty treatment provided by XXXX XXXX, a company that I trusted to deliver professional services. This loan was facilitated directly through XXXX XXXX as part of their financing arrangement with XXXX Bank. 

The treatment I paid for included multiple laser hair removal sessions. However, I was only able to complete three ( 3 ) sessions before XXXX XXXX abruptly canceled my appointments, ceased operations without notice, and closed all of their locations. Despite repeated attempts to contact XXXX XXXX at their provided phone numbers, including XXXX, which was provided to me by Cherry Bank, I have been unable to reach anyone. The number is currently out of service, and no alternative method of contact has been provided. 

After learning that XXXX XXXX was no longer operational, I contacted Cherry Bank to request the cancellation of my loan due to the companys failure to deliver the services for which the loan was issued. Cherry Bank denied my request, stating they were not responsible for XXXX XXXX actions. They directed me to contact XXXX XXXX directly, despite the fact that the company is no longer reachable. 

As it stands, I am being charged {$72.00} monthly on my XXXX XXXX XXXXXXXX credit card to repay this loan. I am requesting that Cherry Bank cancel this loan and suspend payments while this matter is investigated to prevent further financial harm or damage to my XXXX XXXX. 

I trusted both XXXX XXXX and Cherry Bank to provide services and financing in good faith. The disappearance of XXXX XXXX and the denial of my loan cancellation request have placed an unjust financial burden on me. I am not seeking a refund, only the cancellation of the loan for services that were not fulfilled. 

I am requesting your assistance in investigating this matter and holding Cherry Bank accountable for their role in this financing agreement. Please let me know if you require additional information or documentation to process this complaint. 

Thank you for your time and attention to this matter.
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. Acct : THE BUREAUS 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years