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

I instructed all XXXX credit bureaus to put an extended 7 year FRAUD alert on my file and to stop giving my information out against my wish. My former employer and specifically the money laundering organization XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX MO XXXX who laundered my recovery from the SEC enforcement act and is continuing to launder from XXXX and XXXX stole my cell business phone and a brand new android I had yet to use a few days ago. They have been cyberstalking me since XXXX  and heard anti trust agents tell me my credit was so good and ask me what my name was. I knew I was being cyberstalked so I said XXXX XXXX  and absolutely said I would testify against these criminals. They waited and stole my identity again and continue to tamper with a federal witness by way of unathorized cyber attacks and lurking without my authorization. All my communications have been monitored since XXXX.
Product: Consumer Loan

Midland funding purchased a a past due account in XX/XX/XXXX and began a very aggresive collection, on a debt that originally began in XX/XX/XXXX, per the letter attached In XX/XX/XXXX they elligally placed a Judgment against me violating a fair credit act, which states that they can no longer collect or report past the 7th year they need to remove the judment within the next 10 days and XXXX needs to remove it from it 's credit reporting Thanks XXXX ( XXXX ) XXXX
Product: Debt collection

They call and when I answer they do not answer. I mistakenly called them back on my cell phone, now they are doing the same with my csll number. Just continued calls and no one speaks.
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 XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was born and raised in XXXX I just moved to XXXX  on XXXX XXXX ... I ha e reached out to the debt which is only XXXX ... its not mine is there anything we can do
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 U.S.C 1681. 

Account Name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an 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 the 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

Speedy cash/rapid cash took two payments out of my bank account without notice on XX/XX/20 worth XXXX after no attempts to collect in past year. It appears Speedy cash/rapid cash are deliberitly collecting on debts during this national emergency. This is unbelievable. I'm out of a job and trying to survive. How can an American company do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 3 times with Experian to get an account ( XXXX XXXX XXXX  XXXX XXXX XXXX ) removed from my report since the account was closed 14 years ago and should not still be on my report according to the Fair Credit laws and they still refuse to remove it after my last dispute and say it will remain until 2020? This has and still is affecting me being able to buy a house because of their lack of removing the account. 

I already filed a complaint with you guys and you just said that they were still investigating the account and did nothing? They have Finished their investigation so you guys need to take action!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Is my correspondence with XXXX with whom I apparently owed {$49000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2019, XX/XX/2019, and XX/XX/2019, that I have repeatedly made these offers. Navient on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2019, they have not given a response. This settled the matter once and for all on XX/XX/2019. 

To date, XXXX has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I have also sent this information to Experian, XXXX  XXXX XXXX and XXXX. 
I would appreciate if you would review my documentation and obtain a statement of facts from XXXX outlining exactly why they can not produce the original instrument of indebtedness. The law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.
Product: Credit reporting or other personal consumer reports

I believe that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts have reporting errors, including incorrect amounts and dates.
Product: Mortgage

Good Morning, I am in the process of doing some work on my house. The contractor reached out to my town for a permit which was denied due to owed taxes. 

The town treasurer said that tax payments were missed and not yet resolved. 

I called the mortgage company which i was told they needed 10 days to researched I asked if the payment could be sent in the meantime which it wasn't. 

I sent 2 emails with no response and called to follow up which they told me that they did pay and disconnected me. I haven't received and update or any follow up and my taxes still have not been paid. 

The company takes monthly payments to my escrow account to pay taxes for me and they have not done that. Where is my money going. This feels very fraudulent and due to the lack of response and makes it even more so that are committing fraud. I still do not have a permit and my work is on hold due to this. I would like someone to step in so they can not continue to steal money from people and get away with it.
Product: Credit reporting

I have made settlements to XXXX and they were removed from my file and today I see they are back on my credit file with an opening date of XXXX 2015 which is entirely false. And, they even show duplicate accounts which are the same with a different name. I have disputed with XXXX but do n't have any results yet and I will dispute with the others too, is this legal for them to do this?
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding your recent claims concerning my accounts. I firmly reject these claims based on the fact that you lack substantial material evidence to support your assertions. As a result, I strongly urge you to promptly commence a comprehensive investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and hold the potential to cause severe harm to my creditworthiness. It is of utmost importance that we address this situation swiftly and accurately to prevent further repercussions. 

Furthermore, I want to emphasize my strong rejection of your decision to decline my identity theft claim. The authority to determine whether I have been a victim of identity theft does not reside with your organization but with established legal processes. Your authority or legal standing does not grant you the right to make such a determination on my behalf. 

If you persist in declining my position, I am prepared to take legal action by contacting my attorney to seek a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the law. 

XXXX XXXX XXXX & XXXX XXXX  XXXX
Product: Debt collection

I provided proof that CREDENCE RM company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. XXXX and XXXX chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies XXXX, XXXX, and Transunion have violated my federally protected consumer rights as they are in violation of the FCRA and the Privacy Act of 1974. I've contacted the agencies but have failed to receive a reply as of XX/XX/XXXX. 

According to 15 USC 1681c, " 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 ... ''. 15 USC 1681 ( 2 ) Exclusions ( A ) ( i ) explains clearly that a consumer report should exclude any information solely as to transactions. 
15 USC 1681b explains that any consumer reporting agencies may furnish a consumer report under the following situations AND NO OTHER. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

From unlawfully reported financial transactions to willful disregard of my NEEDED written consent for these consumer reporting agencies or financial institutions to report ANYTHING on my behalf. 

This negligent reporting has hindered my ability to access credit on fair terms.Affecting my creditworthiness has caused very harsh financial hardships for myself. 

I will address the furnishers of information to the aforementioned Credit Reporting Agencies XXXX XXXX, XXXX, and Transunion ) in another complaint. The XXXX mentioned agencies have failed to provide me with a reasonable means to exercise my right to opt out ( 12 CFR 1016.7 ) BEFORE my personal information was disclosed. I'm aware that i may exercise my right to opt out at any time. 

I've attached the only available copies of the letters i've sent within this complaint, also my consumer credit report from all the credit reporting agencies so that it may be reviewed and corrected for any inaccuracies or adverse reporting
Product: Checking or savings account

Hello : I noticed charges from XXXX in my personal checking account. I contacted both XXXX and my bank to stop these charges and reverse them. When I contacted XXXX, they only email me back and said the charges are authorized. I emailed them again with no response. I also contacted my bank to ask them to stop charges, as these are not authorized and have been recurring on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is in regards to a XXXX XXXX XXXXXXXX account that is currently reporting on my credit report. 
I am disputing the fact that Equifax is reporting on my credit report that the last payment made on the XXXX XXXX XXXXXXXX account was done on XX/XX/XXXX. THIS IS FALSE. 
ON my equifax credit report it says that in XXXX of XXXX I was 120 days delinquent on this account but there is no payment information after that for the periods of XX/XX/XXXX to XX/XX/XXXX. IF they had the payment information for XX/XX/XXXX to XX/XX/XXXX then they would clearly see that this account never went into a charged off status. 
According to the FAIR CREDIT REPORTING ACT if an account is incomplete then the credit bureau should delete this item from the credit report. There is no account payment information for the period of XX/XX/XXXX to XX/XX/XXXX and there is no account payment information for the period of XX/XX/XXXX and now. This means that the account is incomplete and according to the Fair Credit Reporting Act should be deleted from my credit report. On the credit report it states that it is a paid charged off but this information is not reflected in the account and payment info section of the credit report.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

[ XXXX XXXX ] XXXX Account number : XXXX ] I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt this complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

During the XXXX pandemic, the lender provided accommodations on my loan due to a hardship. The loan was reporting late XXXX  times and repossessed. The account was brought current XX/XX/XXXX and per section 4021 of the CARES Act once the account the consumer brings the credit obligation or account current, the furnisher must report the credit obligation or account as current. On previous CFPB complaint # XXXX the company responded to the by saying " We have reviewed our members tradelines with the XXXX nationwide credit reporting agencies and noted a discrepancy. We will submit a request to the XXXX credit reporting agencies to update their records. '' The changes that were made was a removal of the repossession. The XXXX payments are still reporting. The Cares ACT was continued into effect until XXXX  months after the XXXX XXXX ended XX/XX/XXXX. Well past the timing of the XXXX  payments in question.
Product: Credit card

As a former XXXX XXXX enrolled at XXXX XXXX University from XX/XX/XXXX to XXXX, and having attended other institutions between XXXX and XXXX, I wish to address my concerns regarding Navy Federal Credit Union 's practices. During my time as a college student, I faced financial constraints that limited my ability to work extensively. Despite this, Navy Federal Credit Union unfairly targeted me with marketing campaigns promoting products such as the Navy Federal Cash Signature Advance credit card and the XXXX XXXX XXXX XXXX. 

These credit products carried exorbitant interest rates, placing me at a severe disadvantage financially. Consequently, I found myself burdened with overwhelming debt before fully comprehending the implications. Moreover, discrepancies exist in my credit report, indicating inaccuracies regarding the opening dates of these accounts. The Cash Signature Advance credit card purportedly opened in XXXX, while the XXXX XXXX XXXX card allegedly commenced in XXXX, both of which are erroneous. 

As of XX/XX/XXXX, the balance on my Cash Signature Advance credit card stands at {$7400.00}, whereas the XXXX XXXX XXXX card reflects a balance of {$3100.00}. I am deeply concerned that Navy Federal Credit Union 's actions extend beyond mere financial mismanagement. Recent reports, such as the investigation highlighted in the XXXX article dated XX/XX/XXXX, suggest a pattern of XXXX discrimination against XXXX Americans and other minority groups within the credit union 's practices. 

Furthermore, I firmly believe that Navy Federal Credit Union 's targeting of college students like myself with deceptive marketing tactics represents a violation of the Credit Card Act of 2009. By enticing individuals with limited financial experience and resources into accepting credit products without fully understanding the associated risks, the credit union has acted in bad faith. 

In light of these circumstances, I urge Navy Federal Credit Union to reassess its practices and take corrective measures to rectify the harm caused to myself and potentially countless other individuals. It is imperative that financial institutions uphold the principles of fairness, transparency, and equality in their dealings with consumers, irrespective of their background or socioeconomic status.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Account Name : XXXX  XXXX Account XXXX Balance Owed : {$900.00}
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to the FTC and The XXXX XXXX Sheriff 's Department our Local Police Bureau that I am a victim of True Name Identity Theft. 

This started back in 2014 when I discovered that I had multiple XXXX XXXX XXXX and XXXX Bank accounts opened in my name without my consent or authorization. 

XXXX XXXX  XXXX determined it was internal fraud and sent me letters claiming liability. I reported to XXXX these were not mine, and they did not investigate and I sued them and we settled. 

I have reported to Equifax, XXXX, and XXXX that I am a victim. I have sent police reports. I have sent victim statements. FTC Reports. I have disputed, numerous times. I have called and I hire an attorney to work on this as well. 

I have over 60 inquiries that are not mine. I have done all I can do. My next step is a lawsuit. Not one of these companies has investigated my Identity Theft and yes minimal accounts have been removed AFTER we filed an intent to sue. I need answers and I need them now.
Product: Student loan

my name is XXXX XXXX, my school was XXXX college, from which I never graduated and was there for 3 years. now i have a huge monthly payment on my private student loans that i can not keep up with. i dont make a whole lot and with small children at home and other bills to pay it 's almost impossible to pay them. I have asked for deferments, forbearances, and tried to enter into plans but the payments are still too high. I am worried about defaulting on these loans and ruining my credit but i have no other options. the monthly payments are just way too high and i simply do not have the money to pay them. ive tried researching other avenue 's but there isnt much help out there for private student loans. I 've called Navient ( sallie mae ) several times asking for help but they dont seem to care about every day problems people are facing, they just want their money, bottom line, and i do not have it. i struggle to keep a roof over my kids head as it is and now i can not pay the amount they have given me to pay ... If i have to choose between food for my kids and paying my loan, well, my family comes first. I ran out of oil a couple weeks back and had to miss a payment in order to get fuel to heat my home and now im in danger of defaulting on these loans. They want me to pay an amount I can not afford, for a student loan for a college i never graduated from. I do n't have a college degree because i never finished school and i work a blue collar job that pays very little ...