23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 without my written instructions. 15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires were not approved via the contact listed on my credit report. I am a victim of continuous Identity theft. My personal information was compromised and is listed on unsolicited sites. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My husband and I are trying to stay current with this credit card. Unfortunately other bills such as mortgage, daycare, student loans and medical bills have caused us to fall a little behind on this credit card. This Citi card is the highest interest rate I have and the highest monthly payment. Ive tried my hardest to stay current on it but have fallen a little behind. I look on my account to see {$710.00} due by XX/XX/XXXX, several late fees, interest went up again, theres just no relief with this card. I call to find out what I can do ( they offer assistance all over their website ). The guy I was transferred to was completely rude and condescending. We spent 20 minutes going back and forth of what I could do different to afford this. Or the same questions of what caused me to fall behind after already explaining its just too high. We got no where, my account will continue to fall behind if I dont get some sort of assistance with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, has unlawful obtain my credit report for financial services with Credit Acceptance and  XXXX XXXX XXXX XXXX after I was pre approval by XXXX XXXX XXXX. 

The owner refuse financial services from my bank after pre approval to only provide financial services with Credit Acceptance and XXXX XXXX XXXX XXXX after my bank approved me for financial services for an car. 

The owner is refusing XXXX  XXXX consumers financial services and is only using the pre approval letter from XXXX  XXXX to financial with Credit Acceptance which is control by XXXX XXXX XXXX XXXX. 

I didn't ask for financial services but was pre approval with XXXX  XXXX which is my Bank. 

XXXX XXXX XXXX call my phone stating they were XXXX XXXX XXXX and I was approved for XXXX
Product: Debt collection

XXXX XXXX XXXX has sold my information to a debt collector without my permission. XXXX XXXX  is still attempting to collect the debt from me along with the debt collector it sold the debt to, NCB Management. Both are being reported with the credit bureaus. XXXX has written off the debt and has failed to provide me with the 1099-C. The debt has exceeded the statutory of limitations of over 7 years. This goes against the Fair Reporting Act and is a violation of my consumer rights and should be removed immediately from all three credit bureaus reporting, due to improper and inaccurate reporting information.
Product: Mortgage

I called the phone payment system on XX/XX/XXXX ( XXXX ) to make the monthly payment. The system verified that the stored account information was correct. I was able to make my payment over the phone through the system. I realized on XXXX that my payment had not posted to my account. I called the same number on XXXX and the system stated that I owed 2 payments. I talked to the representative who stated that the system was changed on XX/XX/XXXX and should have not allowed me to make the payment but there was nothing that she could do. I made the 2 payments on XXXX. I called back on XXXX and spoke with another representative who suggested I file a complaint through fico.
Product: Debt collection

XXXX XXXX XXXX closed their company and sold my personal information to this company Westlake Portfolio Management without my consent. Pursuant to 15 USC 1681 4 the company has no permission to report any using my personal information. 
These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. I don't know anything about this company and I never gave any consent to open a account under my information.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate this account per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the faccount listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. XXXX XXXX, division of XXXXXXXX XXXX XXXX continues to defame my name and my character, after I spent my hard-earned money to make a payment after countless harassment calls, letters, and derogatory remarks on my consumer credit reports. Despite your refusal to correct any records or remove any private information they are reporting without my permission, I am confident that you have violated many of my consumer rights. 
1. Copyright Infringement - See Record Filing Link : Record # : XXXX XXXX XXXX XXXXXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) ( a ) Reporting income as debt.

( b ) You failed to report the account as paid for less 3. 16 CFR 313 4. Negligent Enhancement of Identity Fraud Every time you report inaccurate information, you leave consumers more susceptible to identity fraud 5. Defamation of Character and Embarrassment in the eyes of real Creditors 6. Consumer Financial Protection Bureau ( CFPB ) regulations There is no need continue communication or negotiations as I have done everything in my power to rectify this matter including sending letters, filing disputes with the credit bureaus, and even hiring credit advocates to assist me in correcting my files. 
My final correspondence to XXXX XXXX, A DIVISION OF XXXX XXXX XXXX, a notice to CEASE AND DESIST : XXXXXXXX XXXX is hereby ordered to Cease and Desist all activities including collection, third-party reporting, the selling of my private information, or any activity using the name XXXX XXXX, XXXX XXXX XXXX and any and all variations including misspellings. Any future activities will be subject to COPYRIGHT INFRINGEMENT.
Product: Mortgage

Due to our mortgage company ( Amerihome mortgage ) misinforming us a payment was completely canceled in XXXX. We found this out in XXXX. As a result I called to set up a repayment plan and was told we had been approved to pay {$1200.00} a month and a letter would be sent to us to sign. This did not happen. As a result every month we have called and payed and were told since we were paying this was keeping us on the repayment plan and at one point they even changed our credit rating and reported we were current on our payment. This month we got a our mortgage bill and it had increased and did not show any evidence of the previous payments made at an increased amount. Upon calling them we were told that now our repayment plan had been denied and our taxes had gone up and that amount had been being put towards our escrow. Additionally they have turned around and reported us as missing a payment which has greatly impacted our credit score They were unsympathetic and have continued to lie every time we have called them. Please help.
Product: Checking or savings account

I have been a chase customer since XXXX. I started with two small checking and saving accounts. Three years ago I opened a business account with you. Over the years I have never had a problem with Chase or the business of banking. 
On XX/XX/XXXX I went into my local branch at XXXX XXXX XXXX in XXXX XXXX NY. My intention was to open two estate accounts for my deceased parents. Needless to say, I am beyond stressed being the family executor. I came in with all the necessary legal documents, Death certificates, tax IDs etc. I was complete.The young man helping me was very kind and I am sure was doing his best. The first problem was that my mothers estate account was bounced back. Apparently your " back office '' had changed the way you name an estate account. So, Another visit back to the branch to fix this problem. The young man calls the back office, makes the necessary changes and once again scans the same documents again. The next day, I go into my accounts to see that my estate accounts are both gone. My checking and savings accounts are gone. Only my business account is seen. No estate accounts ( consisting of over XXXX dollars ), and no personal checking or savings. I go back in, my third time, speak to another young man who is perplexed. He calls the back office. He doesn't understand why my accounts are not there. He assures me I will hear from a branch manager who will escalate the matter. Today XX/XX/XXXX, nothing has been resolved. The branch manager escalated this to two people above him. This is all in the name of opening two accounts. Do you yet see how egregious and utterly ridiculous this is? 
For one month I have not been able to access MY money, or do my duties in paying bills due from my deceased parents. I have wasted countless time, both on the phone and in your banks. Probably clocking over XXXX hours. Is this " relationship '' banking??? I never heard from the branch manager until I finally called him AND GETTING A PERSON ON THE PHONE IS ALSO A CIRCLE LEADING NOWHERE!!!! it feels intentional on Chase 's part, and wrong!!!!!!!! 
My point of view. You have a staff of people who are not allowed to do anything. They call a back office that is so over burdened with bureaucracy to cover for the bank and nothing gets done. 
For shy of one month I have been inconvenienced, stressed out, freaked out ( where is my XXXX XXXX dollars )? I feel unseen and I feel like you have created a system that is not people friendly and just screws your customers out of their right to some help as a consumer. I feel terribly sorry for the elderly or for folks with less than the best use of language. It takes a tiger to cut through all of this unnecessary red tape. You have made banking a nightmare. I await XXXX opening a proper bank. The Chases and XXXX  of the world have turned off a generation of people who used to trust them. My level of trust for institutional banking is nil. 
Please let XXXX XXXX see my rage. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in total absolute debrief with the way the credit agency has mishandled my credit. Said account : XXXX- XXXX, is being reported as a charge off on my credit report. I have asked the agency to do a simple reinvestigation. This account is reporting inaccurate and falsely on my report. According to 15 USC 168i 5 they are supposed to do the proper research, ( 5 ) treatment of inaccurate and unverifiable information, ( a ) in general if after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall remove/delete all those items. This matter have been of great hinderance to my endeavor of grow and obtain credit.
Product: Debt collection

I sent a request for a debt validation letter to the collection agency and have not received this to date ( XX/XX/XXXX, XXXX ). The date that the letter was sent was on XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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 FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from 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 tenacious rebelliousness. 
XXXX XXXX XXXX : - XXXXXXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : XXXX, XXXX XXXX  XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired on XXXX XXXX, 2021, XXXX XXXX XXXX Inquired on XXXX XXXX, 2021
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies have a duty to operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. This right is further supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect their customers ' privacy and protect the confidentiality of nonpublic personal information. The furnisher of information to credit agencies, being a financial institution as defined by this law, must adhere to this obligation.

Furthermore, 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency may only furnish a consumer report with the consumer 's written instructions. nor the furnisher of information to credit agencies has my written consent to furnish my information. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, and the furnisher of information to credit agencies.

According to 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given a clear explanation of how to exercise the nondisclosure option. The furnisher of information to credit agencies has never informed me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a consumer report if it is more than XXXX years old, except for records of criminal convictions. The account in question is an adverse item being reported without my permission, in violation of this law. 

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) states that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to authorized purposes. It is evident that XXXX and XXXX are failing to maintain these procedures. Finally, under XXXX XXXX XXXX, a consumer has the right to opt out at any time, and I am exercising that right by opting out of your reporting services.
Product: Student loan

I am a 100 % XXXX Veteran and was told that my student loans were going to be discharged. I looked at my credit report and still see a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Nelnet with several requests to exercise my right under the Gramm-Leach-Bliley Act to no longer share any of my non personal financial information to XXXX XXXX XXXX and has given them clear and conspicuous understanding as to what information I would no longer like to be shared. Nelnet has had not taken my matter seriously as I have disputed these accounts on numerous occasions and Nelnets responds asking for the same information I have already provided them that includes my student loan account information, reasons for dispute. I have mailed in a written requests as well as sent countless emails to their enrollment processing department in which they respond asking for the same information I have already provided. I have all the email transcripts as well as the mailed in documents for proof of my opt out request. I
Product: Mortgage

Wells Fargo has been servicing my home mortgage for several years. For the last two months, they have mistakenly applied my monthly payment to the principal balance instead of applying it to monthly principal and interest payment. As a result, Wells Fargo calls every month saying that I have missed a mortgage payment. Of course, they reverse the late fees and credit the payments properly, but this loan servicer is not properly servicing my loan. 

I finally figured out what is going on. They say I 'm paying too early. The most recent check was received five days before the deadline. Apparently that is too early. Wells Fargo needs to be clear with its customers about what the deadline is. Do they really expect the payment to be received before the due date or after the due date and during the grace period? They wo n't tell me that the due date is n't really the due date, so I do n't know how a responsible borrower is supposed to behave.
Product: Debt collection

This is an inaccurate debt by the original creditor and has not been removed from national credit systems or my transunion or experian credit report. Whomever need to remove the inaccurate information because I have provided an amount for balance owed. So if the debt is incorrect it need to be removed
Product: Credit reporting or other personal consumer reports

I've recently reviewed my credit report and have noticed some inaccurate accounts reporting.
Product: Checking or savings account

My father have a problem with Popular Bank in Puerto Rico. 
My father is XXXX years old, Im his daughter and I suggest to him to open the MyBank app to make his payments, to avoid the process of going to the bank due to the covid situation. Sou, the problem is when I check his accounts, I see some transactions with the name of XXXX, in total 5 transactions in 1 month with the total of {$1300.00}. In-authorize transactions ( the bank at no time call and inform about the transaction with the client ). Sou I decide to investigate, since when my father have this transactions. Since XXXX XXXX my father have this trouble, in total 14 transactions with a total of {$1600.00}. 
XXXX XXXX {$29.00} XXXX XXXX {$18.00} XXXX XXXX {$70.00} XX/XX/XXXX {$7.00} XXXX XXXX {$25.00} XXXX XXXX {$12.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$75.00} XXXX XXXX {$250.00} XXXX XXXX {$250.00} XXXX XXXX {$250.00} XXXX XXXX {$400.00} XXXX XXXX {$240.00} XXXX XXXX I call the customer service and communicate with fraud department to make a complain and open the process to investigate the situation. The person I spoke with, told me that even if I submitted the claim for 14 transactions, if they determined in the investigation process that if was a fraud they would me refund my dads money 60 days before the day of my claim. I waited for the bank to finish its investigation and the determined they will only return the amount of {$29.00} that was the first transactions, since 13 transactions pass 60 from the first incident. XXXX XXXX I call the bank again to receive and explication about this, and the customer service and the fraud department dont give me and answer. I decide to contact to see if there is any solution to this problem. My father has had all his accounts with Banco Popular ( mortgage, business account, savings account, auto loan ) for years and is not fair that his is treated like that. 
The reclamation number XXXX
Product: Debt collection

AMERICOLLECT INC Has illegally placed 3 collections for a total of XXXX dollars on my XX/XX/XXXX consumer report, they have violated my FDCPA rights by not contacting me before reporting this fraudulent debt, they have also failed to validate this debt as it was an result of Identity Theft, and they have illegally shared my information without my consent.
Product: Money transfer, virtual currency, or money service

transferred money to coinbase money on XXXX XXXX 2017,  XXXX sent the the screenshot, contacted customer service raised the case as well but no response.
Product: Student loan

Hello I attended XXXX Ca XXXX XXXX in 2011 .... I was convinced into taking out a private loan with XXXX thinking I could use the deferment program for a while until I was able to get back into school again and pursue a higher paying career. I was making deferred payments of {$20.00} a month up until about 4-5 months ago when I recieved a letter stating that XXXX would no longer be handling my loan and that UAS known as University Accounting Service would be taking over my loans and that my payments would now be {$40.00} a month!! I could barely afford the deffered payment of {$20.00} a month already so I called a few times to see what was the increase for but never recieved a response or call back. Do I have any options available since the XXXX act had been passed upon for relief of former and present students with XXXX Private loans active?
Product: Credit reporting or other personal consumer reports

XXXX XXXX has placed a collection account on my personal credit report for a business account without my written authorization or a court ruling. This action violates 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1692 ( a ) regarding abusive, deceptive, and unfair debt collection practices. Additionally, XXXX XXXX failed to credit the business account after accepting payment in the form of registered securities and negotiable instruments, which breaches their original contract and violates the XXXXcurities Exchange Act of 1934. XXXX XXXX states that the business account is closed, yet the business account still remains open and still has a credit line attached to it. XXXX XXXX 's actions violate the following laws : 15 U.S. Code 1666 ( b ) & ( d ) - The company failed to address billing errors properly and engaged in fraudulent billing practices. Billing Error Notices were sent in XX/XX/XXXX and XX/XX/XXXX, yet the business didnt receive a response. 15 U.S. Code 1692 ( a ) - They have committed abusive, deceptive, and unfair debt collection practices by definition. 15 U.S. Code 1681 ( Fair Credit Reporting Act ) - XXXX XXXX added adverse information to my consumer report without my written consent, violating my right to privacy and fair reporting. They are also in violation of compliance procedures for reporting inaccurate information. On multiple occasions ( XX/XX/XXXXXXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX  ), XXXX XXXX accepted restricted endorsed negotiable instruments, payment vouchers, and registered securities but failed to credit the business account. This violates their role as a Security Transfer Agent under the Securities Exchange Act of 1934. The failure to credit these payments also breaches the Electronic Funds Transfer Act. I request the immediate removal of the XXXX XXXX collection account from my credit report as it is inaccurate and no contract was given. I also request an investigation into their unlawful and deceptive debt collection practices and appropriate penalties. Please find the attached supporting documentation regarding the payments and the dispute notices sent to XXXX XXXX. XXXX XXXX XXXXXXXX highlights the importance of providing accurate information by credit bureaus and what happens when a credit bureau fails to abide by applicable laws. Any change in contract made by XXXX XXXX is declined and not accepted.