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

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.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 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: Checking or savings account

In XXXX of XXXX, I incurred many unnecessary fees because the only option I had to access my funds was through cash advances on my credit card which cost a great deal. I spent more than XXXX dollars on finance charges. 
Also, they repeatedly locked my account for a three day fraud investigation, each time assuring me, that once I passed the screening through freeze would not happen again. They kept me from using my funds for weeks at a time.

The attached file shows three purchases made from the XXXX atm for a cash advance.
Product: Debt collection

The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA where they are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ).
Product: Credit reporting or other personal consumer reports

iam a victim of identity theft and my identity is out there with someone being used from someone in everything i travel a lot and iam old school i don't even know how to check my credit my wife was checking my credit report and she showed me accounts i don't recognize and been used for a while and this is dangerous i just found aclled my lawyer and he told me that the bureaus and the creditors were supposed to notify me 5 days prior any reporting and i was not notified and this is illegal and against the law as of 15 U.S.CODE 1692g Validation of debts they violated my consumer rights and privacy and harmed me i will take legal actions against the bureaus and the creditors cause no one is giving me signatures or contracts or any proof or evidence so i can protect my self and 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. 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, other than records of convictions of crimes which have dates the reports 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 in inaccurate Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
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 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 this address is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS EMPLOYER IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX a complaint was filed with CFPB in reference to XXXX investigation into a hard inquiry on my credit file ( complaint # XXXX ). XXXX response stated the hard inquiry was valid, because of persistence and established dialog with XXXX XXXX executive office ; on XXXX XXXX, XXXX a letter was received agreeing to remove the Hard Inquiry from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has received an official identity theft affidavit and I am uploading this as well for Trans Union to block XXXX XXXX illegal debt record on my credit consumer profiles. They are all breaking the law under section 605 B. Additionally I have given General Revenue the police report numbers from the XXXX XXXX XXXX police department report-XXXX, report-XXXX, report-XXXX, report-XXXX. Which they have failed to retrieve under section FCRA 623 they are duly responsible to do a 100 % complete and accurate investigation which they failed to do. If I dont send the police reports doesnt give XXXX XXXX the legal right to report to a consumer reporting agencies anyways and then state it is verified and accurate which is false and a crime. The REAL FCRA LAW STATES : They have the sole grave responsibility to retrieve all documentation which is the XXXX XXXX police department reports in regards to the identity theft and fraud and do a thorough investigation with 100 % completeness and accuracy. This is the real law! I will win easily in third district court once litigation proceeds and a judge sees all this documentation. XXXX has reviewed and received this current FTC identity theft report there response is attached. Which is valid and active. Additionally Detective XXXX XXXX from the XXXX XXXX police department instructed me to file with the FTC for all identity theft related reports back in XXXX for all identity theft and fraud that occurred. I am requesting the CFPB document this pattern of willful abuse by XXXX XXXX and XXXX for abusing the law and the misinterpreting the FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX. I disupted multiple inaccuracies with Experian, XXXX, and XXXX. To which I received notification stating the following : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 

This is unlawful and the following matters need to be corrected all XXXX credit agencies : These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. 

Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX  Please delete 2 of the 30 day late. 
3. XXXX XXXX XXXX Account # XXXX - removing, XXXX XX/XX/XXXX late. 
4. XXXX XXXX XXXX XXXX remove all XXXX late payments 5. XXXX XXXX - The account and late payments are in accurate 6. XXXX XXXX XXXX XXXX 30 day late payment
Product: Mortgage

Hello, I never contacted US bank nor have I ever had a relationship with the bank. I recently purchased a home using an FHA loan and closed with XXXX XXXX XXXX XXXX on XX/XX/2021. An XXXX XXXX ( ex girlfriend of mine ) who works at US Bank as a mortgage loan officer accessed my person information on the government website for FHA connection. She shared this info with others. I made a complaint with US bank customer service about two weeks ago as a believe this violates federal law 18 ISC 1030. To date I have not received a response from US Bank. Her access should be recorded on that website. Her NMLS is XXXX
Product: Payday loan, title loan, or personal loan

Approximately XX/XX/XXXX, Foundation Finance Company called my home about my XXXX monthly {$50.00} payment. I have paid them each month on time and sometimes more than my $ 50 monthly. But we are having a COVID-19 issue in our household and informed them that I would be late this month. I will pay my bill on XX/XX/XXXX. I was sent a late payment warning of {$100.00} if not paid by the XX/XX/XXXX. This is accessive ; ridiculous when the whole country of consumers ' are facing job loss ; late fees with the creditor, debt collectors, and more. There is no need to telephonic harass the consumer when all of us are trying to take care of our needs and families with the conditions of our finances due to this COVID-19 issue. All late fees need to be waived and some type of compassionate understand between debtor and creditor during this time.
Product: Debt collection

Signed up for XXXX internet XX/XX/XXXX for the promised amount of {$40.00}. I can not access account as they have deleted it or blocked login to give any other dates or amounts, other than what I wrote down when I contacted them about my bill. My wife found a significantly less plan available at XXXX in XX/XX/XXXX, we moved our lines from XXXX to XXXX. XXXX immediately started charging {$76.00} for internet and the first time we were aware was XX/XX/XXXX received a bill for {$1300.00}. This included the payoff on our phones and random charges that we did not agree on, nor get any information for. It also included internet fee {$150.00} which was wrong. My wife called to dispute, two agents who barely spoke XXXX were not able to understand the charges, or remove them. They just kept insisting we pay which I refused and told them Im cancelling internet. The next month we get another bill saying we owe {$210.00} since they refused to cancel our internet and kept charging us, yet the account was not even in service!! I called yet again to tell them we had cancelled and to quit billing us and asked how to send their router back. The agent told me you dont have to send it back, you have paid for it already. Two months later we received a box in the mail telling us to send back the router which we immediately did. We were charged {$35.00} on daughter XXXX phone for upgrade fee, overcharged by {$150.00}. My line ( XXXX XXXX overcharged by {$72.00}. My wife ( XXXX  ) overcharged by {$63.00} and the router {$57.00} which was free at sign up per agent. My wife called and made a one time payment {$1200.00} which included all of the above charges. The most recent invoice sent to us shows we owe {$410.00} and says this months charge is {$200.00} yet we havent had this provider in months. I have receipt from XXXX store shipping router. I have all these bills with notes written on them. We have paid these people way beyond what was agreed upon, then they stop giving us the trade in amounts when we all traded in our phones for new phones. They give credit each month and the trade in value is still the same, yet do not acknowledge that when the lines were cancelled, technically defaulting on what they owe us, we paid off our phones we bought. I will not pay them another dime, they are a deceptive company with horrible business practices.
Product: Credit reporting or other personal consumer reports

UNITED REVENUE Account number XXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

When I requested the loan the interest rate was not disclosed until after the loan. The interest rate on this loan is 159.11 %. This would and should be considered a predatory loan. 

Required payments are 18 payments of XXXX. I have made 5 payments with almost none of that going toward the principal interest.
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 XXXXXXXX XXXX XXXXXXXX : # XXXX, Original creditor : 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 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

Equifax allege to have verified the {$5100.00} XXXX XXXX debt that is attempted to be collected by the XXXX XXXX XXXX collection agency being disputed in the XXXX complaint as accurateand Equifax allege to have verified that the item of the XXXX XXXX XXXX account allegedly belong to [ me/the complainant ] yet for a certainty, Equifax has not verified the origins of the {$4600.00} balance included in the {$5100.00} balance to which XXXX XXXX  XXXX is attempting to collect, and nor has XXXX XXXX XXXX verified the {$4600.00} balance included in the {$5100.00} balance that XXXX XXXX unlawfully transferred to the XXXX electrical service account a mere XXXX days after the XXXX XXXX XXXX account was opened, by violating Ill. Admin . Code tit. 83 280.50.f which details that utility companies shall not transfer a balance owing from one premises account to another until the customer has failed to pay the final bill rendered for that premises or the customer requests that the final balance be transferred directly to the other premises accountand that transferring final balances from one premises account to another, the utility shall indicate on the bill the location where the amount due originatedyet XXXX XXXX transferred a {$4600.00} balance from an older and unverified account, to the then most recent XXXX account, and failed to provide verification of the debts account number indicating where the unverified {$4600.00} balance originated, even upon requestwhere so, per 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) of the Federal Fair Credit Reporting Act, regarding treatment of inaccurate or unverifiable information, the XXXX XXXX XXXX account attempting to collecting the unverified {$5100.00} debt shall be promptly deleted from the consumer report file of the consumeryet Equifax has falsely claimed that the item is valid and belongs to [ me/the consumer ] and concluded the investigation without addressing the fact that the alleged debt has not been properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was wondering why am I seeing capital one reporting on my credit report without any of my written consent.I would like for you all to remove these accounts from off my report because you are in violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. Also under 15 US Code 1681a ( 2 ) ( b ) - exclusions from a consumer report any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. this mean you shouldnt be reporting on my consumer report please remove this from my report. 

With this being said due to not having my written signature and just because this is a extension of credit this MUST be excluded from my consumer report.
Product: Mortgage

Total Loss Proceeds in the amount of {$45000.00} from an insurance claim were sent to the mortgage provider, Land Home Financial Services ( LHF ), on XX/XX/23 for endorsement and return in order to complete repairs. All protocols provided by LHF were followed including providing repair quotes, invoices for work previously paid, photos/scheduling with LHF authorized auditor, etc. No responses were received from LHF point of contact until a complaint with the XXXX XXXX XXXX was issued. {$40000.00} of the loss proceeds was finally received on XX/XX/23. The balance of {$5900.00} remains in LHF 's possession with no ETA. Again, all LHF protocols have been followed and a final demand email was sent to LHF on XX/XX/23 with a delivery deadline of XX/XX/23. To date, no response nor funds have been received.
Product: Student loan

they will not work with you on payment. Also I have paid over {$6000.00} over the past three years and this money paid has not touch the principal of the loan at all. I paid {$280.00}. per month for several years and XXXX another year. they are rude and I had it on auto pay and had personal issue and asked the to skip one payment and the stopped it completely and when I called to correct it they said I was several months. I also asked when my auto pay was completely shut off they said I told them too. I said no I did n't and they needed to check the call log they said they would and never got back to me.
Product: Student loan

I recently received a bill for an unpaid balance on a student loan that I do not believe I ever took out. I communicated with the creditor and, after some difficulty, was told that they were collecting for another company. The information they had correctly identified my XXXXXXXX XXXX  name, the last four digits of her Social Security number and the institution where she earned her degree. This debt has now also appeared on my credit report. The credit report shows a history of payments but, these are not payments that I ever made. I have no recollection of this debt and I can find no records of it. Apparently the debt was taken out in XXXX  but we have not previously received any bills from this company or from the place they claim originated the loan. I have asked for verification of this debt but I have not received any.

If I took this debt on and have forgotten about it, I'll pay it but I have yet to see any proof that I ever did.
Product: Debt collection

I had XXXX out of state. I then received the expected co-insurance bills from unfamiliar names/ practices because it was out of state.While recovering, and not paying as good attention, I paid partial payments to everybody I had a bill from. When I was feeling better, I confirmed the remaining balances with everybody and paid them. All except one that I could not confirm. I think I fell victim to a scam, as I have no idea who this is. I sent XXXX partial payments totaling XXXX to XXXX XXXX XXXX  XXXX, File XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. That address does not make sense. XXXX XXXX in California. I then got a letter from a collection agency stating they were trying to collect a debt from XXXX. The collection agency is Transworld Systems Inc, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, PA XXXX. I wrote on the the letter they sent me explaining why I did not owe this debt, and asking for their help recovering the money I had sent to XXXX. Unfortunately, I did not make a copy of the letter. I mailed it back to them, and did not hear back from them. I did write the information down. So I called them with the account numbers to ask them what is the status. They told me they could not find any information in their system using my account number, or my name, and they had never heard of XXXX.
Product: Student loan

I obtained a student loan through XXXX XXXX for my XXXX XXXX expense in XXXX. The loan was taken over by Navient student loans in XXXX or XXXX. 
Recently there was a balance of {$50.00} due. Navient Student loans has harassed my phone by calling me Everyday from Sunday-Saturday including holidays from XXXX, every 2 hours or about 6 times a day or 42 times a week and 168 a month nonstop. Navient also call and when voicemail comes on to record the message, they do not leave a message. So, they have called so much as to leave my voicemail full with empty responses and block my ability to receive messages from other persons. 
This is harassment and I am reporting them so this type of practice will stop starting with me. 
These type of phone calls interrupt the general use of my phone, harass me and interrupt my phone use. Navient has other ways of contacting me, they have my addresss and email and have contacted me by email and even went as far as to sent letters to my old address that I have not lived at in 20 years. Currenlty my relative is XXXX in the hospital and my phone needs to be freed up for this and other purposes.
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 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 . According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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.