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

Not enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX  verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 2 accounts stating charged off # XXXX amt XXXX XX/XX/XXXX - and another XXXX XX/XX/XXXX for XXXX. 
Ive filed FTC Id theft affidavits on both Accts - reported to XXXX XXXX pd and Tx ATTY generals office - ADA - Im XXXX XXXX -I demanded any time of validation or verification with no luck- Ive not given this to a local attorney for legal action against XXXX  and Experian for reporting this Id theft -
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Car and they said was going to just pull for XXXX. But on my Credit Report, I had 10 hard inquiries on my report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had XXXX late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Bank account or service

On XXXX/XXXX/14 at XXXX XXXX XXXX, XXXX, XXXX, Citibank alerted me to XXXX suspicious withdrawals in the amount of {$200.00} and {$300.00}. I was in XXXX at the time and did not make these withdrawals. My Citibank card was in my possession and no one else has access to my account. I immediately filed a claim and changed my passwords. I expected to be reimbursed quickly but have been denied several times, even after filing a police report. 
Citibank has violated the Electronic Fund Transfer Act and Regulation E because Citibank was notified of the unauthorized transfer within 2 business days of learning of the theft of the access devise yet your liability exceeded {$50.00}. 
Citibank 's failure to provide adequate data security, to negligently allow my account to be vulnerable to theft and to illegally refuse to credit my account for the full amount of the theft identified by Citibank is an unfair, deceptive and abusive banking practice. Their inadequate and ineffective investigation of my claim has caused significant emotional and financial distress. Customer Service has given me inconsistent information unduly delaying the claim review process.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXXI XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, CXXXX XXXXXXXX # 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, AZ XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # 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

I am unsure of the validity of this company, first and foremost. I needed the money to pay for a class after falling on hard times and I was unable to secure a regular loan. My first concern was that the application said I did mot have to authorize ACH transfers for my payment. I then received notification saying I needed to call their service center to complete verification. At this time the representative advised ACH was required and I would not receive my loan if I didn't sogn the authorization. My first payment drafted in the payment date, but was so early in the morning it drafted before my check cleared. I decided to research the company after that and requested that my next payment be deferred before I allowed them to draft again. After researching, I found that this company is supposedly owned by, but not located, on an XXXX tribe of some sort, and therefore immune to federal or state laws. I have sent notifications of revocation of consent for ACH, but have received no response in return. I have seen many complaints with the XXXX regarding the company continuing to draft accounts after consumers revoked their ACH consent. I feel like this company has lots of similarities to the XXXX XXXX scam and want to know my rights if they continue to draft my account after multiple notices of revocation of ACH. I was also told my the representative when I requested the deferral of my last payment that if I deferred the payment, I could not pay off the loan prior to my last payment date, which to me sounds like I would have to pay the 794 % interest for the full 12 months as opposed to paying the loan off early once I receive my reimbursement from school next month. Is this legal?
Product: Credit card

I used my credit card with a PIN not knowing it was a credit card transaction. I was charged hundreds of dollars in cash advance fees. I cancelled the card and paid it off prior to the due date and they charged me another 30 days worth of interest on the entire balance. The first time I called to rectify it the man I spoke with insisted it was correct and it was being charged at a periodic daily rate. I then calculated the interest on my own to prove they charged me for another 30 days. I then called back and the represenative told me she was going to waive it. I am reporting this so that other consumers are not abused by their interest calculation methods. XXXX and First Bankcard.
Product: Checking or savings account

Sofi emailed me on XXXX XXXX, 2024, that my account had been temporarily restricted. XXXX also left a voice mail on the same day, requesting a call. Sofi then emailed me on XXXX XXXX, 2024, that " the temporary restriction on your SoFi bank account has been lifted. All functionality has been restored to your account. '' However, when logging in to Sofi, I still see my savings and checking accounts frozen. I have {$150000.00}. in checking and {$100000.00} in savings, which I can not access. I called Sofi twice ( XX/XX/XXXX and XX/XX/XXXX ) to resolve this issue but they told me that their security team was reviewing without giving me a timeline on resolving it.
Product: Credit reporting or other personal consumer reports

dear Equifax, I checked my credit report today because I received a notification that said my credit score went down, and I see there were multiple inquiries that I do not recognize. I have filed and identity theft report with the federal trade commission, and I have attached that along with a cover letter stating that I am disputing the following inquires.
Product: Vehicle loan or lease

Subject : Urgent Complaint Regarding Title Release and Fake GAP Insurance Policy To Whom It May Concern : I am writing to formally express my dissatisfaction with the handling of my account by WestLake Financial. Despite multiple attempts to resolve the issue, I have now visited the XXXX three times, only to be informed that WestLake Financial has not released my title. The XXXX has confirmed that the necessary action to release the title has not been completed on your end. This delay is unacceptable and must be rectified immediately. 

Additionally, I have discovered that the GAP insurance policy I purchased through your company was fraudulent. Despite this, I have not been refunded the money I paid for this fake policy. This is deeply concerning and raises serious questions about the integrity of your practices. 

I expect the following actions to be taken without further delay : Release the title immediately, as required by law. 
Issue a full refund for the GAP insurance policy that was fraudulently sold to me. 
Failure to resolve these matters promptly will result in the filing of formal complaints with the appropriate government agencies, including the XXXX XXXXXXXX XXXX XXXX and the Consumer Financial Protection Bureau. I will also explore additional legal options if necessary to protect my rights. 

Please address this matter immediately and confirm in writing that these issues have been resolved. I can be reached at the contact information provided below. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Product: Debt collection

You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { XXXX XXXX Put name of collections company here } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Please Remove Immediately!!
Product: Debt collection

Dear Mercantile Adjustment Bureau, This letter is to formally dispute the validity of a debt you are attempting to collect from me. I am writing to you in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Dispute of Debt and Request for Validation I am disputing that I owe any debt to you, current, or the original creditor. Under 12 CFR 1006.34 ( b ) ( 5 ) of the FDCPA, you are required to provide me with written validation of this debt, including the purchase agreement between Mercantile Adjustment Bureau LLC, XXXX XXXX XXXX XXXX, & the original creditor, amount of the debt, the name of the creditor to whom it is owed, dates of any charges and a signed contract that includes my wet physical signature. Please furnish this information within 30 days of receipt of this letter. My failure to respond does not in any way imply that the debt is valid. 

Violation of Consumer Rights Your collection efforts appear to be in violation of the FDCPA in the following ways : 15 U.S.C. 1692 ( e ) : You and XXXX XXXX XXXX XXXX have used false, misleading, misrepresentative, or deceptive means in your communication with me. 
12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 ( 7 ) ( A ) : You and XXXX XXXX XXXX XXXX have XXXX or attempted to furnish information about this debt to a credit reporting agency without providing the required disclosures by law. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease and Desist Communication Pursuant to 15 U.S.C. 1692 ( c ), I am revoking my consent to receive any further communication from you regarding this debt. All future communication must be done in writing through the XX/XX/XXXX. Please be aware that the FDCPA allows for statutory damages of {$1000.00} for each violation. 
I will cooperate with a legitimate debt collection effort, but only once the debt has been properly validated according to the law. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I am writing today because my account should reflect on time and in good standing of payments since XX/XX/2020. All of my student loan accounts should reflect in good standing since XX/XX/2020, there should be 3 consecutive years of the account being in good standing and not delinquent or negative.
Product: Mortgage

My mortgage loan was transferred to  Bayview Loan Servicing LLC  in  XXXX   2017  for a modification application. I was told by Bayview representative in  XXXX  the process would take 30 days or less for underwriting to make a decision on my loan modification. We are now several days from  XXXX , yet no one from Bayview has contacted me either by email, mail, or phone call about the status on the loan In weeks. In the meantime, I tried making a mortgage payment but my mortgage company said I had to make payments directly to Bayview. When I called their automatic phone service, I was n't Able to make a payment. I 've left many phone messages, emails, and letters by mail asking them to call me for an update, and explaining how to make my mortgage payments. I have n't heard from anyone from Bayview. My credit report shows late payment from mortgage. Also, I mailed a check for payment to  XXXX  Texas address but payment was not applied to my checking account on time.
Product: Credit card

Citi closed my Citi Rewards+ Card account without my permission and without notifying me. This caused me the loss of approximately XXXX Citi Thank You Points which I had earned and was saving. When I called Citi to ask about this, they refused to restore the points.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened, an auto loan account opened at XXXX XXXX XXXX XX/XX/2018 account # XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or XXXX XXXX XXXX initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US THEFT REPORT Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are NUMBER the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Chase has mishandled numerous disputes filed pursuant to the Fair Credit Billing Act.
Product: Student loan

Private student loan servicer Navient has been making CONSTANT phone calls to me ( from phone numbers that my phone carrier flags as " spam '' or " possible scam '' ) to HOUND me MERCILESSLY about making a payment that, by admission on Navient 's own statement, IS NOT EVEN LATE YET!!! 
This situation could have been mitigated, or even completely avoided, if Navient had refrained from sending me a semi-literate letter indicating that my forbearance period was coming to an end on XX/XX/2020, without ANY indication of when the next payment would be due, the payment amount, etc. It would have literally required an additional sentence on the semi-literate letter that Navient sent to me - this is hardly rocket science, and is not something that I, as the borrower, should be required to brainstorm or to fix for a multi-BILLION dollar corporation like Navient.
Product: Debt collection

I requested said info from company. I have no obligation to midland credit management. Ive instead received countless calls trying to obtain my personal information from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/year> and a balance of {$4700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXXXXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/year> and a balance of {$840.00}. 
This account is incorrectly reporting negative payment history on my credit report. Because I am only an authorized user on this account, I am not responsible for the balance incurred by the primary cardholder nor am I responsible for any missed payments on this account. 
BANK OF AMERICA Revolving with account # XXXX opened on XX/XX/year> and a balance of {$1400.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/year> and a balance of {$21000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXXXXXX XXXX XXXXXXXX with account # XXXX and a balance of {$6500.00}. The original creditor is XXXX XXXX GA. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

UCC : * XXXX. EFFECT OF ERRORS OR OMISSIONS. 
* XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL * XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
* XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.