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. 

Account name : XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXXXXXXXXX XXXX XXXX XXXX Account number XXXXXXXXXXXXXXX XXXX  XXXX XXXX  L Account number XXXX FAIR XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX/ Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  XXXX  XXXX  Account number XXXXXXXXXXXXXXX XXXX XXXX XXXX Account number XXXXXXXXXXXXXXX XXXX  XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/ Account number XXXX XXXX XXXX XXXX  Account number XXXX-XXXXXXXXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX Account number 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 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: Credit reporting or other personal consumer reports

I have been defrauded by my now defunct college, XXXX XXXX XXXX XXXX. All my Federal Student loans have been forgiven in a XXXX XXXX case, but I am having problems with a Private Loan from you - Navient  ( formerly XXXX XXXX ). As you know, there was a lawsuit against Navient for unlawful practices, and I SHOULD HAVE BEEN included but NEVER received any information on this. I have been pleading and contacting you for years about my case, and have continuously been ignored and punished. I am struggling to make ends meet, as I have XXXX young children, and am unemployed. 
The loan is XXXX, as the interest alone is 18.375 %. I have been paying for years, and the balance keeps RISING, because I can not afford the payments, and you have not only damaged my credit, but my ability to have any kind of options for living. Take my loan OUT of the negative report, and remove the balance, as this loan is OBSOLETE. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX | XXXX : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} To whom it may concern you have violated my rights under the FCRA XXXX 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late XXXX with account number XXXX This account does not belong to me. 

INQUIRIES REMOVALS BELOW XX/XX/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/XXXX XXXX XXXX, XXXX XXXX Thank you for your time and attention to this matter. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that have been giving me problems for almost 2 years now.It is from XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.This is a duplicate along with others from companies that have been getting me denied for lines of credit.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX XXXXXXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and my data was breached in the security breach that you guys had in 2019 I want all of my negative items taken off my credit report. Anything from 2019 this way. You have been ordered by the courts to fix it. I have been telling you guys that my identity has been stolen hundreds of times and nobody is listening well. It is now ordered by the courts that you have to fix it. If the issues consists after a certain amount of time, it's on you. You guys better fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

Have asked Equifax to unfreeze account in previous complaint, CFBP XXXX, and explain why it is frozen and who froze it in the first place. Tried to access credit report today XX/XX/21 and found the account is still frozen. Need your help. 

Thanks.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I agreed to purchase a XXXXXXXX XXXX XXXX XXXX  from XXXX XXXX of XXXX, CA for {$670.00} after speaking with him and text exchange. On XX/XX/XXXX at XXXX est. I send a XXXX Payment of {$670.00} from my Citibank account ( XXXX XXXX PAY ID : XXXX ORG ID : XXXX ) to phone # XXXX which was registered to XXXX XXXX. The agreement was that the item would be shipped that day on XX/XX/29. After the payment was sent seller ( XXXX XXXX ) stopped responding to texts and calls and subsequently block calls. Additionally, the same item ( XXXX XXXX XXXX ) with teh same pictures was reposted on multiple websites by XXXX XXXX for sale with the same phone number to contact. Once he clocked my number he used the following numbers as well : XXXX and XXXX. I never received any item and still see him posting the same item. I paid him the {$670.00} and did not receive anything.
Product: Credit card

Dear CFPB, I am writing to formally request your assistance regarding an issue I have encountered with my credit card issuer, Citi. I applied for the XXXX Credit Card that included a promotional offer of XXXX points upon meeting a spending requirement of {$4000.00} within the first XXXX months. Prior to signing up, I confirmed that Citi would be able to send the card to my alternative foreign address, which they assured me they could do. 

Unfortunately, the card has not yet been delivered. I have contacted customer service over XXXX times to resolve this issue, but each time, I have been informed that the card has been lost in the mail. Despite my repeated requests for the card to be sent with a tracking number, the customer service representatives have been unable to provide XXXX. 

Thank you for your attention to this matter. I appreciate your assistance in helping me resolve this issue with Citi. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX/XXXX/XXXX Complaint Sent to the Consumer Financial Protection Bureau I am complaining about apending illegal eviction. 
My son has a valid, notarized lease on my mother 's house, executed on XXXX XXXX, XXXX. On XXXX XXXX, the house was foreclosed on, but my son continued to live there and pay rent. He has been paying on that lease in exchange for his right to live in the house. My mother has moved out of the house because she had sustained several XXXX and was unable to take care of herself. She is using the money to supplement her social security income to pay for her care in a local XXXX home. 
On XXXX XXXX, XXXX, we received a Notice of Eviction. They sent a form for a renter to fill out describing the details of the rental arrangement, entitled, " Change in Occupant Questionnaire ''. My son sent the form back, along with the lease. The document was sent certified mail to the law firm as well as to the holder of the mortgage, XXXX XXXX. Also sent were payment receipts, initialed by my mother. We know they received it, because they signed for the certification. This indicates that Nationstar and law firm were aware of the lease, and that they were aware of Maryland state law. 
On XXXX XXXX, my son received a sheriff 's notice ordering him to vacate the the premises and a writ of repossession. AT NO POINT HAS MY SON BEEN CONTACTED ABOUT THE VALIDITY OF THE LEASE. 

REMEDY : we want the loan servicer and the law firm to honor the lease and rescind the sheriff 's order before XXXX XXXX, XXXX. 

XXXX XXXX
Product: Credit card

Hello, In XX/XX/XXXX I opened my Capital One card. I have had no missed payments except for one. In XX/XX/XXXX, I XXXX. Before XXXX I set everything up because I knew it would be tough trying to keep track of bills. I worked 24/7/365 while XXXX. I noticed in XX/XX/XXXX, that I had a missed payment on my Capital One card from XX/XX/XXXX. I was lucky enough to catch my XX/XX/XXXX payment, but missed that one. This was over six years ago and have been trying to get them to take it off since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am filing a complaint against all 3 credit bureaus ( XXXX, XXXX and XXXX ) They are reporting multiple collections that are not mine ranging from {$240.00} all the way too {$4000.00}. I have sent letters to both the collection agencies and to the credit bureaus explaining to them that Ive never signed a contract with them to do any kind of business. They are fraudulently reporting inaccurate information. I am demanding that these items are removed. XX/XX/2023 I sent certified letters off, asking the collection agencies to please document that the items are in dispute. I also sent certified letters to all 3 bureaus asking them the same thing. Nothing has occurred and they continue to report fraudulently every month. There are several laws being broken.
Product: Credit card or prepaid card

AMEX account XXXX. 

This account is closed and paid in full, remove any missed payments from credit report immediately, we paid you XXXX in less than 2 months. 

We are done with AMEX except a potential lawsuit. This company is the absolute worst. 

While AMEX can not be responsible for all the behaviour of vendors swiping its cards, it is fully aware of the circumstances surrounding 99 % of its charges. It is fully aware of the number of issues, for example, that it may have had with a certain merchant, or the number of disputes filed involving similar circumstances. In short, AMEX knows exactly what is going on here, or at least the basics of it. They know these places are crooked. But they have done a calculation and decided that the headache of having to deal with disputes is worth the profits these criminals generate for them, because 99 % of the time, the criminals win, and if the criminals win, AMEX wins. 

But I got XXXX and XXXX. That isn't a " cost of doing business. '' That is unacceptable. To listen to someone say that happened to them, and then to still go after that last XXXX just to make sure I understand that I alone am responsible for my own XXXX? 

XXXX XXXX See you in court eventually.
Product: Debt collection

Since early XX/XX/2020. United Legal Group has been contacting me everyday, they are calling my extended family members my mothers and XXXX brothers. I dont know how they got their contact information, I never gave anyone their numbers. I have asked them to stop calling me since I have a loss of income due to the coronavirus pandemic. They have noted to me that they dont care of the pandemic and I still have to pay. They have told me that they can garnish my wages and seize my property by taking me to court if I dont pay. I have asked them multiple times if they can contact me in XXXX when I may have a job and circumstances are more better for me to pay for at the moment I have no income. I dont have any money to even pay my own bills, I feel harassed my this credit company, they have even yelled at me and are very condescending. I feel afraid if I get a job after the pandemic is over that they will take my wages, Im afraid to pick up my phone for fear Im going to be harassed by them.
Product: Debt collection

Radius is the third company to try and sue me for the same debt the debt has doubled plus some and I want help resolving this Ive asked the last two times they just keep selling the debt its doubled I will pay the XXXX I will not pay six XXXX Im not paying their interest for closing my account when I was at XXXX Im not paying their interest fees because they did not want to work with me
Product: Bank account or service

Santander Bank held my deposit even after the funds cleared the bank on which the funds were drawn ( which was my business account with XXXX ). As a result the payment of my mortgage with Santandar will be late. I expect Santander to charge me a late fee and may report my late payment to the credit agencies. I complained about the impending late fee and the credit agency report to a customer service supervisor, XXXX, at the Santander phone center in Rhode Island. XXXX said that Santander 's policy is to hold deposits up to 4 business days before crediting the money to the depositors account even if the funds have cleared the source bank account. ( XXXX refused to give her last name. ) The deposit to Santander was made XX/XX/2017 and cleared XXXX XX/XX/2017. The mortgage is due XX/XX/2017. On XX/XX/2017 the on-line Standander statement reported that the funds to make the mortgage payment were " unavailable. ''
Product: Credit card

The Discover Financial Services placed my account with Atterney Office for Collection where the action of the firm affected my health condition that may arise based on my past condition, which I prefer not to share as it is private and confidential information. The name of company or person ( XXXX ) XXXX XXXX. 
I rejected to speak with anybody from this office and having preference based on my experience at working settings with this office not to have any conversation at all for harassing and insulting action following with mental abuse that affected my health condition and issue. Please consider this complaint seriously to resolve the issue of Financial Fraud and changes on my account due to change of numbers on my account with Discover. this person must be discipline for his harassing and discriminating actions as me personally as company where I work at the current moment that affecting all other employees as well. 
Very unfriendly personality unwilling to communicate have a lack of managerial skills and ability communicate normally with people especially customer service.
Product: Credit reporting or other personal consumer reports

Dear CFPB, This is no longer a goodwill attemptXXXX XXXX XXXX account # XXXX keep on violating my consumer rights by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes. Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question.

They have failed multiple times to validate this debt so by law they must remove this account now.
Product: Vehicle loan or lease

Good good this complaint is a follow up with a current complaint I file with cfpb, the complaint ID is XXXX. Also a notarize letter I recent sent to the company I am complaining about which is Bank of America. Be advised ( I mail this letter today XX/XX/2023 after the the complaint ID number listed in this complaint. ) I will like to send you a copy of the letter to inform you that the company will be put on notified as soon as possible. Also other supporting documents that can help my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 account without my written instructions
Product: Payday loan, title loan, or personal loan

Loan me has not addressed the issue still. Stop sending vague responses. I attached PROOF OF EVERY SINGLE EMAIL I SENT TO LOAN ME. LOAN ME DID NOT RESPOND TO MY EMAILS AT ALL!!!!!! THIS IS THE ISSUE AT HAND HERE. THEY RESPOND AND IGNORE THAT ISSUE. THERE LACK OF RESPONDING IN WRITING TO EVERY EMAIL AND QUESTION I HAD AND DISPUTE I HAD PROVES THEIR WRONG DOING. EVERYTHING WOULD HAVE BEEN IF THEY RESPONDED IN WRITING WHICH THEY REFUSED TO AND IGNORED. I AM NOW SENDING THIS WITH ALL PROOF TO THE STATE OF CA BUSINESS OF OVERSIGHT AS WELL AS THE ATTORNEY GENERAL. AND YES I REFUSED TO SPEAK OVER THE PHONE BECAUSE YOU ARE LIARS OVER THE PHONE AND HARRASSING AND RUDE. I WANTED EVERYTHING IN WRITING FROM YOU AND SENT DEMANDS TO HAVE THIS IN WRITING WHICH LOAN ME REFUSED!!!! I HAVE PAID YOU OVER XXXX AND LIKE YOU SAID THE LOAN WAS XXXX YET YOU CLAIM I STILL OWE YOU XXXX UNBELIEVABLE.