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

I checked my credit report and noticed some fraudulent items that are in violation of the Fair Credit Reporting Act that needs to be removed. I am considering arbitration or litigation if these negative accounts aren't removed from my credit report. 

Accounts to be removed : 1. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) 3. XXXX OF XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be
Product: Debt collection

XX/XX/2020 XXXX XXXX. EST My wife and was contacted by an unspecified representative of F.H. Cann and Associates. The representative mentioned the debt was from an unspecified student loan that I listed my spouse as a person to contact. The representative also mentioned that they could provide more information if she gave personal information about me to them. 

Any student loan I have was acquired years prior to meeting my wife and I have had no communication with any company where I either provided her information nor listed her as a contact. This information was false and misleading to gain personal information about me. This is in direct violation of FTC rules.
Product: Checking or savings account

XX/XX/2022, I received a email from Chime letting me know that they were putting a hold on my account and I need to send in documents ( ID, Proof of Address, Selfie Holding ID & Explanation I immediately sent in the documents they asked for and called them shortly after, I didnt get any reason as to why my account was on hold. They didnt tell me anything, said they could not do anything about it while their XXXX team were reviewing my account. I was told to email them or wait while they reviewed my account. I emailed them a over XXXX times and never got a response. I continued to call chimes customer service number to figure out the issue. They emailed me and told me they received my documents and theyll be reviewing them, it XXXX take XXXX business days. I havent gotten any emails or updates regarding my account yet. It has well passed XXXX business days, it is going on XXXX month now. They arent giving me any updates or even knowledge on why my account was put on Hold In the first place. I do not have any access to my funds, I can not see whats in my account or anything. I would not even be able to confirm all my money is in there because I can not see anything on my end. I feel like XXXX in a scam. They will not do anything, and are not telling me anything via phone. Ive emailed so many times, I do not know if they are even getting them. I just want my to access my funds and close this account.
Product: Credit reporting or other personal consumer reports

I sent XXXX letters to Experian, XXXX and Experian on the basis to investigate the reporting of XXXX accounts that had XXXX payments. 

I sent XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

All these XXXX i received a XXXX from Experian and XXXX that they didn't think the information was from myself even when i sent XXXX forms of XXXX and still my XXXX don't seem to be getting attention.
Product: Checking or savings account

On XX/XX/XXXX at the local branch of a Chase bank i made a deposit for XXXX from XXXX XXXX XXXX with a purchasers receipt tied to the check. This deposit was placed on hold for 10 days based on the information of the receipt. The teller provided a phone number for me to call to release the funds. On XX/XX/XXXX XXXX, I proceeded to call the number the teller provided to the Chase bank hold department and the rep provided me info about how the check was being held cause and i quote " we received information that this bank wouldnt be able to provide the funds ''. The rep was then able to call XXXX XXXX XXXX, verified the check was both a valid check and that the funds were there to be released to chase. The rep informed me of this information, told me to wait about 20 to 30 minutes then the funds would be available. After waiting over 2 hours the funds were still being held and i placed a second call to the hold department. This call was placed at XXXX and this rep informed me that this check was then flagged by the automated system and that it will be on hold and didnt provide me any dates. Despite this check being provided by a FDIC bank, the check was presented still attached with the purchasers receipt and the info from the IRA savings distributions, Chase contacting the issuing bank and verifying that both the funds and the check was valid, that the check was still on hold and they refuse to release the funds, release the check back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  bill reporting under my social security number that was not authorized. I have disputed and requested verification from the credit bureaus on the following dates and have not had the item deleted nor verified : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XXXX and XX/XX/21. I have requested validation of this debt from the third party collection agency on the following dates : XX/XX/21. I have NOT received the requested information from either party. See certified receipts attached.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXXXXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Based on the process of elimination and making connections between previously submitted reports to the Consumer Financial Protection Bureau, Federal Trade Commission, Federal Reserve XXXX Department of Homeland Security, Immigration and Customs Enforcement, Federal Bureau of Investigations , Central Intelligence Agency, Equal Employment Opportunity Commission, Office of Special Counsel, Attorney Generals, Department of Health and more, Fiserv is suspected of engaging in severe prohibited business practices. 

During on-going investigations I was met with what appeared to be severe and unrelenting interference from unconfirmed and unidentified sources that repeatedly compromised my safety and security. Based on claims submitted and the documents reviewed, I believe Fiserv is involved and has been monitoring me without my authorization and consent. 

XXXX search results yield XXXX XXXX an alleged client Project Manager for Fiserv. A person with this same name claimed to be a XXXX  claims representative subsequent to a XXXX XXXX  accident. Is the XXXX Claims Representative XXXX XXXX the same person that serves as a Client Project Manager for Fiserv?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

A message was left on my voicemail stating that The message was intended for XXXX XXXX and was from XXXX and that I needed a statement either from me or an attorney returned to them. They left a Telephone number XXXX XXXX File # XXXX. I returned the call to find out what was this in reference to and XXXX XXXX, XXXX advisor stated that he represent the fraud dept. and that supposedly I took out a cash advance XXXX years ago in XXXX XXXX Fl. and the bank was closed or frozen and that now they are trying to collect. The amount due was {$410.00} but it has accrued penalty and interest and now the amt. is {$1800.00}. But if I provide a credit card today for the amt. for the {$410.00} that it would stop them from going to court and would go for the {$1800.00}. They also stated that I had used my brother, XXXX XXXX and XXXX XXXX as references. I know for a fact that it is a tactic and wrong. They expect for me to call tomorrow and provide them with a XXXX credit card. His direct # is XXXX XXXX ext. XXXX. File XXXX.
Product: Debt collection

XXXX XXXX XXXX has admitted that they DO NOT have my signature or consent to view ANY of my private health information. 

Please advise that withholding FULL documentation ( including SIGNATURES and my consent ) you received from any medical provider in an attempt to be HIPAA compliant is a violation of FDCPA. 

Please advise if XXXX XXXX is not removed from my credit report IMMEDIATELY I will seek damages.
Product: Vehicle loan or lease

I purchased a car in XX/XX/2013 in which the finance company Santander Consumer USA for {$18000.00}. It stated in the contract that, at the end of my loan, I would have paid {$17000.00} in interest. Recently, I called them to get the pay off amount because when I went online, it showed that I still owed {$12000.00}. For the past couple of years, I began to see the amount go down slowly. But instead of paying toward the principal, they have been putting half, sometimes all of the installment toward the interest. After adding up what has been put toward the interest and principal, I discovered that {$24000.00} has been paid in interest and roughly {$6000.00} toward the principal.I 've spoken to different reps including a supervisor which all said that I have not satisfied the interest yet. 
One time I was laid off, and it took a couple of months to get caught up. I was charged late fees in which I paid. I paid double, one time, to get it back on track. They stated to me, today, that because I had several auto extensions ( which includes some that were 5 days late ), that all of those payments went directly to interest. It states in my contract that I can be up to 7 days late and charged only a late fee. I was charged both and don't understand how they can do this. I've purchase several cars throughout the years and have never seen any thing like this. It seems like they can charge people whatever they want to and get away with it. I don't know what to do and really need help.
Product: Student loan

I signed up for automatic debit to save 1/2 % off my interest rate. Navient still is not taking the payment, and it is causing me to have late payments.
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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

My debt was supposed to have been deleted in XXXX, at the XXXX year mark. But the company is still updating false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to a false 1099A for the HELOC being sent to me, on XXXX at XXXX, I spoke to XXXX XXXX XXXX her client XXXX, their legal representative. I told her I believe because of all of the illegal attempts to terrorize me emotionally and financially to incur XXXX XXXX  that her client XXXX is trying to kill me with the side affects to my health and financial life. 

She told me that " they are not trying to kill you, they are only trying to get you out ''. Recently please refer to CFPB complaints # XXXX and # XXXX false information has been and still is being put into the three credit bureaus damaging my credit already attached in the CFPB files. XXXX is also currently trying to foreclose on a HELOC non existent account that was said to be extinguished with the first illegal non negotiable account. The XXXX attorney is responsible for all of this criminal activity against me. 

This is NOT a duplicate complaint this one Adds to the criminal acts against me. The crimes I am referring to are in fact as follows : Credit reports are binding. 

" A third party loan servicer may not use unfair or unconscionable means in servicing any loan. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.21 : ... ( 6 ) Knowingly or recklessly providing inaccurate information to a credit bureau, ''
Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Correction of Credit Reporting and Notice of Potential Litigation** **Dear Capital One, ** I am writing to formally demand immediate correction of the inaccurate reporting of my car note payoff on my credit report. Despite my efforts to resolve this matter through your customer service, my account remains erroneously reported as being in collections, which is both factually incorrect and damaging to my financial standing.

# # # Statement of Facts - I paid off my car note in full on [ insert date of payoff ]. I expected this to be accurately reflected as a positive payoff.

- Instead, my credit report indicates that this account is in collections, negatively impacting my credit score and preventing me from obtaining necessary financial services, including business loans.

# # # Legal Violations Your actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1.

**FCRA 602** : Requirement to provide accurate information to credit reporting agencies.

2.

**FCRA 609** : The consumer 's right to dispute inaccuracies and receive a timely response.

3.

**FCRA 623 ( a ) ** : Obligation of furnishers to provide accurate information to credit reporting agencies.

4.

5.

**FCRA 616** : Liability for willful noncompliance, which can result in statutory damages.

**FCRA 617** : Liability for negligent noncompliance, allowing for recovery of actual damages.

6.

**FCRA 605** : Prohibits reporting of negative information beyond seven years ( if applicable ), which could be relevant if this erroneous reporting continues. 7.

**FDCPA 1692e** : Prohibits false or misleading representations in the collection of any debt.

8.

**FDCPA 1692g** : Requires validation of debts and the right for consumers to dispute the validity of a debt.

9.

**FDCPA 1692f** : Prohibits unfair practices in debt collection, which includes reporting inaccurate information.

# # # Demand for Immedia
te Action Given the severe impact this situation has on my ability to secure financing and support myself during my current hardships, I demand that you : 1. Immediately correct the reporting of my account to reflect a positive payoff status.

2. Remove any negative reporting related to this account from all credit reporting agencies.

3. Provide written confirmation of these corrections.

4. Cease any further collection activities associated with this account.

# # # Notice of Potential Litigation Please be advised that if this matter is not resolved within 15 business days from the date of this letter, I will pursue legal action against Capital One for these violations. This will include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant regulatory bodies. 
I urge you to treat this matter with the utmost urgency, as the ongoing negative reporting is causing me significant financial distress and hardship.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX Balanced {$100.00} XXXX XXXX XXXX Balanced {$62.00} XXXX XXXXXXXX Balanced {$870.00} XXXX XXXX XXXXXXXX Balanced {$5700.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$85.00} XXXX XXXX XXXX Balanced {$1400.00} XXXX XXXX XXXX Balanced {$830.00} XXXX XXXX XXXX Balanced {$810.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Consumer Loan

I have a Car loan for a XXXX Cadillac escalde. I have Fell behind in payments and was concerned I hired a power of attorney to help me out His name is XXXX XXXX He has been doing his job He sent a cease and desist letter to the creditor and they call me non stop and are harassing me daily They even call third parties for me such as my son in aw and my son in law mother It is ruining my family slowly and is embarrassing What else can I do? Also they have now started to take my wages from my paycheck I had no notice of this No paperwork, nothing in fact of this How is that right or fair to me? Why do they harass me? Why are they taking my wages with no notice to me? The creditor, loan company is total finance, they are located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX, XXXX their phone number is XXXX I have all phone records as proof I also have all the voicemails I have my paycheck for proof of the garnishment I also did my research on this company and found they are notorious for breaking laws Such as not reporting correctly to the credit bureaus also giving people vehicles with bogus social security numbers and very high interest rates that change from the dealership to the paperwork I really need your help to stop them from breaking the laws please I do not know what else to do XXXX XXXX the power of attorney sent the cease and desist with conformation received from them on XXXX XXXX 2015, and XXXX XXXX 2015 They tell XXXX their attorney will call him and they have never called him not one time they call me daily they leave robot voicemails and live voicemails on my cell phone which I also believe that robot message on a cell is illegal Its a fact they are a bogus company that break laws its public information and also have attorney general reports on them
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES for obtaining a credit report .I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, PLEASE DELETE ACCOUNTXX/XX/XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE FAIR CREDIT REPORTING ACT ( FCRA ) section 605B requires consumers reporting agencies ( CRAs ) to block the reporting of any information in a consumers file that the claims resulted from identity theft. I am unaware of the hard inquiries and collections on my report. XXXXXXXX XXXX XXXX americredit 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 {$2100.00} XX/XX/XXXX ( unauthorized and unaware of this collection ) this company has yet to give a purchase agreement with my signature.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX 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 XXXXXX/XX/year>
Product: Mortgage

I went into forbearance back in XX/XX/XXXX and it ended in XX/XX/XXXX and was advised to make some kind of payment while I was In the process of modification of my mortgage, but if I couldn't not worry about it. Signed the paperwork for the modification in XXXX of XXXX, sent it in and was waiting on notification of the approval. Called XXXX in XXXX of XXXX for an update on if the modification was approved and was told it was still being processed that I would receive notification in the mail shortly. Called again over the next several weeks and months all the way thru XXXX. Finally got the notification of approval at the end of XXXX. By this time the mortgage was now behind for 4 months and they were demanding payment. I've tried several times to explain to chfa what was going on and most of the time they either don't answer the phone or dont call back when I leave a call back number. When I am able to get someone on the phone it is as if I am XXXX and don't know what I am talking about and that I should have been making payments regardless if I had an approval or not.