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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Stated I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated 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 of the following items of information Any other adverse item of information, other than records 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: Debt collection

I received a Notice of Servicing Transfer fted XX/XX/2023 from XXXX XXXX XXXX  advising the previous servicers have transferred the mortgage loan to them. I then mailed a cease and desist notice via certified mail with a return receipt. ( Tracking Number- XXXX ) with a confirmation of receipt signature from XXXX XXXX XXXX which confirmed delivery on XX/XX/2023. 
The delivered notice demanded Carrington Mortgage Services to cease all forms of communication through any and all mediums unless it pertains to my disclosed remedy. All remedies were described in the notice. The notice demanded return of the attached form with the required information, assignments, or other transfer agreements, which would establish their right to collect the alleged debt within 30 days of the date of receipt of the notice ( 30 days from XX/XX/2023 ). 
Instead of providing the required information to validate and verify the alleged debt, Carrington Mortgage Services mailed a notice dated XX/XX/2023 of Intent to Foreclosure on my personal property that is used for private familial enjoyment. 

It is clear that Carrington Mortgage Services have violated the following ; 15 USC 1692C.C - Carrington Mortgage Services confirmed receipt of Cease and Desist Notice with a letter dated XX/XX/2023 from the Loan Administration and Support Department and advised that they will respond by XX/XX/2023. However, on XX/XX/2023, Carrington Mortgage Services violated the Cease and Desist Order and sent a Notice of Intent to Foreclose.

15 USC 1692C. ( C ). ( 2 ) Carrington Mortgage Services violated my right to remedy as a consumer, and the original creditor. 
15 USC 1692- Abusive practices by debt collector by invading my right to privacy and continuously sending notice to my private home that is used for personal familial enjoyment. 
18 USC 8- Obligation or other Security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.

15 USC 1666 B ( 1 ) - Declined to provide documentary evidence of alleged indebtedness by sending notices in response to cease and desist and demand for documentation. 
15 USC 1666 B2- Declined to provide written clarification or documentary evidence of the alleged indebtedness.

15 USC 1666 E- Carrington Mortgages Services failed to comply with the requirements of the section described and have efficiently forfeit any right to collect from obligor
Product: Vehicle loan or lease

After multiple attempts to get the inaccurate information on our account corrected we are at the point of contacting a lawyer. We have banks statements Proving our payment was never late. Toyota Financial needs to remove those late payments and correct the issue.
Product: Checking or savings account

I received an email congratulating me on opening my new checking and savings accounts for BECU. I never opened an account there and do not live in that state. 
this account was also opened under a false last name.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 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 or other personal consumer reports

I have a few inquiries on my report from unknown companies. Please remove these from my report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX  I received a copy of my credit report I noticed unauthorized accounts and inquires that were not initiated by me according to the FCRA, legally these unverified and unauthorized accounts must be deleted immediately as I am a victim of Identity theft I have already initiated an FTC report which I will attach here
Product: Debt collection

I am XXXX XXXX  of University XXXX XXXX XXXX, XXXX XXXX XXXX. During this summer, I tried to do internship to enhance my knowledge on the subject. I applied in a dozen institutions for scholarship or paid internship but could not be that lucky. 
One day I got an information about the internship option at XXXX XXXX ( US : XXXX ( XXXX ) XXXX ) and contacted them for the internship opportunity in various parts in the country and abroad. After selection process they asked me to go to XXXX with XXXX ( XXXX? ) for the internship. 

After few days had passed, I didnt get any follow up with them regarding VISA for XXXX because I still have Passport from XXXX ( I am XXXX  XXXX  in the USA and eligible for applying XXXX in next XXXX ). During this time, I consulted with my father who was out of country for an important work and explained the situation. He recommended me not to go further with XXXX XXXX because they do not have experiences sending students abroad because they never talk about VISA. I also came to know that getting XXXX VISA for XXXX Passport is not easy and I had to apply two months in advance. At the same time, I was also not feeling well due to unnecessary pressure of internship. 
Finally, I sent an e-mail to the organizer saying that I am not going for the internship due to my medical reason and asked me to return by advance payment of USD XXXX. 

Instead of returning my money, they forced me to pay internship expenses of USD XXXX. Three weeks back, I got a call from phone number XXXX ( XXXX ) XXXX. I also received letter of dated XX/XX/2019 from Cedars Business Services ( it seems from the letter that this is debt collector ) for the money again last week. I felt really bad about it and decided to request your help to refund the money I paid in advance. They have also started calling my father for this issue and he has been mentally disturbed because he did not do anything except his advice to me regarding the internship. 

It would be highly appreciated ; if could give your expertise advise. Your action to save me this unnecessary hassle will help me to pursue higher education for building a strong nation. 

If you have any question, need further clarification, I will be available to meet you in your convenience time.
Product: Student loan

I am writing to formally lodge a complaint regarding the financial practices of your company in connection with my student loan and the educational services provided. I believe that your company has been involved in a deceptive and exploitative educational scam, and I am deeply concerned about the high fees charged for a program that did not meet the advertised standards. 

On XX/XX/year>, I enrolled in a program with the understanding that it would provide a legitimate and valuable education. However, after making the payment of {$250000.00} for the program and a remaining balance of {$3900.00}, I have encountered several issues that suggest that the program was neither legitimate nor of educational value. These issues include, but are not limited to : Misleading or false advertising : The program was marketed as a legitimate education program. 

Unreasonably high fees : The costs of the program, as well as the associated student loan charges, were disproportionately high for the value and quality of education received. 

Lack of proper support and resources : There was insufficient educational support and no real opportunities to gain the skills that were advertised. 

Predatory loan practices : The loan terms and conditions seemed excessive, leading to an unreasonable financial burden, with little to no return on the investment. 

The following outlined above have led me to believe that I have been subjected to an educational scam. This situation has not only caused significant financial strain but has also left me without the benefits I was promised.
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect from me a judgement they say I owe from 2007 in the amount of {$1000.00}. I signed a consent judgement and paid directly to Frederick J Hanna & Associates, PC in the amount of {$780.00}. I sent a letter to XXXX XXXX stating this exact information and they in return send me a copy of the consent judgement. They have not sent any proof from Frederick J Hanna. I feel they are pulling information from XXXX County online court system and trying to fraudulently trying to collect money from me.
Product: Debt collection

Once more, I, XXXX XXXX, am submitting this CFPB complaint to contest the data you allegedly have on my credit file. I fell victim to identity theft once more, and I never authorized the charges and transactions with your company. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I don't think I ever signed a contract, and your blatant disregard for federal law is a breach of my legal rights as a consumer. Please get rid of the account that is included on my credit report, as I request of you. 
CNAC - XXXX XXXX Balance {$0.00}
Product: Credit card

Had opened an Alphaeon credit card through Comenity Capital Bank in XX/XX/year>. The credit limit was {$4200.00}. I've never used it. I logged into my XXXX account to review my credit and found the account has been closed. Never rec 'd notice from this company that it was going to be closed or why. I called the number on the card to get additional information, and a recording told me that my account had been closed and they couldn't provide any information as to why the bank closed it and that they couldn't open back up a closed account. My credit score dropped XXXX points because of this, and I did not even use it. I was planning on using for a XXXX XXXX in XXXX but now I don't have that option. I've been working on my credit score for months and now I'm back to square one. Poor business practices. 
I also have a Caesars Rewards credit card with Comenity Bank. I paid it off and was going to use it while I was in XXXX on vacation. 3 out of every 4 charges was declined. I called 3 times, and they kept saying it was because my payment had not posted when in fact they had.
Product: Credit card

I was charged XXXX  times by a company I do not recognize. XXXX XXXX charged me XXXX times and I never made any purchase with that company. When I search XXXX, I cant find any company matching the name XXXX XXXX. I contacted the card company which is a PayPal Cashback MasterCard and told them there were unrecognized charges on my account. I disputed the charges over the phone with a PayPal agent over a month ago in early XXXX. I was told by the agent that the provisional credit would appear on my account within a week and that I am not liable for the charges since I did not make them. I never received the provisional credit and their agents started calling me harassing me that my account was past due despite the fact their agent told me that I wasnt liable for the charges, so I called back and filed the dispute again. I still have not received a provisional credit and I receive daily phone calls harassing me to make a payment. I have answered the calls several times and talked to the agent to tell them I am not liable for charges I didnt make and that there should be a provisional credit on my account so that they can investigate the dispute I filed and quit harassing me to make payments for charges I didnt make. They still continue to call and harass me instead of investigate the dispute!
Product: Credit reporting or other personal consumer reports

Inaccurate Information on my credit report, 15 U.S CODE 1681s-2 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 or other personal consumer reports

I am writing to formally address two concerning matters regarding my account with your company. Firstly, I would like to bring to your attention the presence of inaccurate negative items on my account. These items are having a detrimental effect on my credit profile and financial well-being. I urge you to take immediate action to rectify this situation by removing these negative items from my account. 

Secondly, I would like to express my frustration regarding a late open account that has yet to be corrected. Despite my repeated attempts to resolve this issue, it remains unresolved, causing undue stress and inconvenience. I request that you prioritize the correction of this late open account and provide me with regular updates on its progress until it is satisfactorily resolved. 

It is imperative that these matters are addressed promptly and effectively to uphold the standards of integrity and customer service expected of your company. With this, I am asking for your assisstance to remove or correct these items in my credit file : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX **** XXXX {$1700.00} XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$4400.00} XXXX  XXXX  XXXX Balance {$1000.00} XXXX  XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX  XXXX Balance {$940.00} XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX XXXX {$1000.00} AXXXX XXXX XXXX  XXXX Balance {$690.00} XXXX  XXXX  XXXX XXXX Balance {$810.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$610.00} XXXX  XXXX Balance {$2700.00} XXXX XXXX  XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$4400.00} XXXX XXXX Balance {$2600.00} XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX  XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX Balance {$810.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>.
Product: Debt collection

Sent a threatening letter from a XXXX Debt collector, XXXX XXXX, in a State I have not resided in in over 12 years, threatening to suspend my drivers license or driver 's privileges in my now current state of XXXX if I do not pay this Third Party Collector some court fines and fees from XXXX. They have printed these old resolved criminal charges from XXXX on the back of this threatening letter as if they are directly representing the XXXX Courts. They print that they are a law firm, that I need to pay them a 14 year old debt that I am not even positive I owe, and they threaten to take my driver 's license or privileges, or proceed with Further Collections efforts if I do not pay this debt from XXXX that I have not heard about in 14 years by any means. They have nothing listed saying I can dispute any of this. I have no information contained here on how to dispute the validity or how I could validate these 14 year old charges that they are threatening to destroy my ability to make a living and support my family, if I don't pay them immediately, and the word immediately is theirs. 
The only dates here are their list of criminal charges they say I owe fines for, all dated XXXX  XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> These are labeled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX But these are court date records. 
I have no dates listed for when the debt was submitted or Nothing concerning money I paid to close any cases already. No other information except the threats, the amounts they want and the direct threats. Along with their business name and a phone number and how I can pay. Nothing listed offering any way to validate or dispute. And with the direct threats to my licensing, after 14 years, and a list of criminal charges from XXXX
Product: Student loan

My loan has been paid in full and the check was received on XX/XX/XXXX. I have the USPS tracking info. 

I have tried to call Sallie Mae to explain that the entire amount was paid but each time I call I am disconnected when transferred to escalations. Apparently, escalations handle this issue by paying the account in full. 

I have also tried to email customer service to inform them of the status. However, it's impossible to get to a real human being who is able to help you as the consumer. I'm quite concerned about this company and their practices. 

I just need them to apply the funds to my account, close it, and then to report it as paid in full and to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

I mailed out a certified cashier 's check on XX/XX/XXXX to the XXXX XXXX payoff address to payoff my vehicle and it was delivered next day on XX/XX/XXXX and signed for at the address. It took an entire week for the check to be applied to account being that it is a certified check and Ally Financial 's website says title delivery within 4 days of check being received. 

I contacted Ally Financial today XX/XX/XXXX, they stated it is going to take 10 days to release the title because the funds were not certified, however a customer support representative confirmed to me earlier last week that the funds are certified. Ally is holding my car title/lien release now for a week. I do not even have the " XXXX XXXX '' feature on my account that is usually shown once the car is paid off. 

I am requesting my lien release be processed immediate as Ally has been sitting on this for now a week.
Product: Debt collection

On XXXX XXXX XXXX, 2014 I received a call on my landline phone from XXXX XXXX XXXX XXXX on behalf of Sallie Mae XXXX. The call originated from telephone number XXXX and was placed to my home phone number XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Mortgage

We applied for a loan mitigation with FBC Mortgage. We were denied twice ( 2x ) due to ( according to FBC ) our income being to low and debt ratio being too high. I was approved for the loan on my income alone and was with the same job with increase in salary. After the 2nd denial, I added my husband 's income ( $ XXXX monthly ) and still was denied. I called FBC on several occasions and the representatives were unable to give me the figures the underwriters used to determine our approval/denial. We are getting the run around and inconstant answers. We are wanting to keep our home and FBC seem to be taking our situation lightly.