23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. 

I pulled my credit report XX/XX/22 and seen that Receivables Performance wants to cause stress and axiety to my life by causing harm to financial reputation. 

This is a demand for Receivables Performance to cease and desist all communication with me.

The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium pursuant to 15 USC 1692a ( 2 ). As you should be aware that a credit report is a medium. 

Im aware, RPM are committing securities fraud! XXXX XXXX. Waiver or Renunciation of Claim or Right After Breach states A claim or right arising out of an alleged breach may be discharged in whole or in part without consideration by agreement of the aggrieved party in an authenticated record. 

Therefore you're still trying to extort me when the FTC states that consumer reports are not debt parking zones!

Im also aware that FCRA states that i have a right to a fair and equitable credit report and that i also have the right to privacy, meaning that anything i dont want furnished on my credit report can be removed by law. 

The FCRA states once again, that i have a right to a fair and equitable credit report and that i also have the right to privacy. 

See documents attached.
Product: Money transfer, virtual currency, or money service

I contacted Apple on XX/XX/23 to conduct a dispute that happened on my old device that my ex used due to me not having access to my other phone that I ended up losing in XXXX, I didnt have access to my banking my XXXX my emails nothing, so I was unaware to see what was taking place. I reported it and they opened a claimed and actually closed the claimed and provided my refund. Now the issue is my XXXX is now locked for suspicious activity, Ive never done anything suspicious and the last person I sent {$20.00} to was my sister and it triggered my account to be locked. So my refund went to a locked account and theyre telling me I cant get it back and that my account is locked indefinitely and I just feel so robbed and lost because I have no idea why they would do that and feel comfortable doing that, I wouldve complied to anything they asked me to do in regards of my account but to completely kick me off without explanation and then keep my money is overly insane, Real life banks doesnt even do that. Hopefully theres something you guys can do to get this done I was referred here by some people in a group chat that said yall were successful in reaching out to Apple to get this done so Id appreciate it
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA,  I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting to the Credit Reporting Agencies to remove the Accounts and Inquiries that are UNKNOWN to me. I previously reviewed a copy of my credit report and was shocked to find that there were several accounts and information that I did not open and have no knowledge of. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$700.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$270.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$200.00} XXXX XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$130.00} XXXXXXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. In accordance with the Fair Credit Reporting Act section 605b, I request that the Credit Bureaus remove the disputed items off of my Credit File as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report XXXX My latest credit report shows Onemain Financial credit inquiry/inquiries that I did not authorize.
Product: Credit card or prepaid card

PayPal took money out of my collateral account instead of out of my PayPal credit card. I started calling Monday XXXX XXXX they say there is a 2-3 hr wait to send message or email. I did both, they did not contact me to yesterday XX/XX/XXXX via. XXXX msg! They did not address the issue At all just a form message.. In the interim my card was hacked. I continued to try to contact them about the hack now, same problem no phone support, Again a message via XXXX was sent Not addressing with issue. They took XXXX out of the wrong account. 4 full days and I still have not solved the {$61.00}. I contacted the company I Purchased from and they sent the payment as a credit card to PayPal. Now I took off a backup bank and another bank credit card because there is no response! And was hacked. I received a message that stated even though I deleted my bank and another backup credit card they will still take future payments out of those accounts ( I gave no authority to use deleted accounts ). I can not even close out this account because there is no phone, text, email or other way to contact them. As a side bar : they keep saying because of Covid long waits however every other credit card, bank service, companies et al say that but they all have employees working from home I know because I get service with all of them. And my niece works with XXXX XXXX and they have customer reps working from home. This last statement is just FYI not within complaint. Thanks.
Product: Credit reporting or other personal consumer reports

These accounts do not belong to me. 
I was added as an AUTHORIZED USER for XXXX XXXX Account number XXXX. I was in XXXX XXXX XXXX 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called the number back because of constant calls and emails and The gentleman explained the nature of the debt which I did not recognize and I tried to say once he explained the date that on my credit file it had a different day and he got nasty and hung up. Very un-professional and need them to stop calling and emailing without my approval and only send me a letter in the mail
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, Equifax, XXXX, and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. The Credit reporting agencies are displaying my private information publicly without consent. The institutions have not furnished the items below required by law. 15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have been in XXXX XXXX for over 7 years during my time in XXXX XXXX someone has used my personal information to obtain goods and services using my personal information to obtain goods and services while i was in XXXX XXXX, that being said i had expressed these concerns to the creditor and to all three credit reporting companies and they are refusing to remove the fraudulent accounts off my credit report due to identity theft, enclosed i have send over a notorized fraud affidavit ( ftc ), police report, ftc report, copy of my driver license, copy of my social security card, and two utility bills in my name showing that i my wife and children have been residing in this home for over 15 years, there are many fraudlant inquires and many fraudlant address, phone numbers, email address, etc etc. that do not belong to me but are attached to the fraudlant accounts that have been opened in my name fraudulently while being locked up in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an inaccurate credit score which has cost me the opportunity to obtain a hard money loan to buy my first real estate property to sell back on the open market. This has cost me the potential of making thousands of dollars. Seriously considering weighing my legal options if my credit report isnt investigated properly
Product: Mortgage

I am trying to get rid off the PMI on my home loan. My property value has been increased and I am thinking of reevaluating the property price and drop the PMI. But my lender now says I should have paid XXXX for at least 2 years before I can take this route. Is this true? I am going through some website and none of them says this 2 year rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & 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 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
Product: Consumer Loan

I have a loan with Republic finance. My wife went in to pay XXXX on my account and the cashier charge her XXXX when my wife looked the receipt upon walking out of the door she noticed the XXXX. So she asked the cashier " Whats going on '' and the cashier proceeded to play stupid. At that moment, my wife asked for a print out of my payment history. When l looked over the history I noticed payments lower than I had paid. My account balance is n't right - not even close. I should owe right at XXXX. I found it odd when I first went to make my first payment the cashier told me they do n't take debit. Now I see why because they are beating the customers. I 'm sure I 'm not the only one they are stealing from. The extremely high interest they charge loaning to customers they know will never get out of the loan does n't seem to be enough for Republic finance. Also, I 've never been late. I was told I had a ten day grace period so why is it showing in my faulty pay history as being late. My Balance is far from right and I expect for it to be fixed. I reached out to the corporate office and have yet to hear anything back from them. I do intend to take further action. Republic finance should be fined and put out of business for stealing from customers and luring them into more costly loans. Also I never gave finance Republic to give out my payment history to anyone not even my wife which is also violation since her name is n't on the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I closed on my mortgage account with XXXX, I had been in forbearance from XXXX-closing. When I went into forbearance, I was current on my mortgage and had not missed a payment. When I closed on my mortgage by selling my property, I paid the loan in full, with all interest included. XXXX reported me not only 90 days delinquent to my creditors, but they reported the closing of my loan as XXXX for some ( XXXX ). We have attempted to fix this problem with XXXX, who sent us a letter assuring us it had been resolved with the credit bureaus. I gave the letter to the credit bureaus ( namely XXXX ) who would not take my word for it and said they needed to hear from XXXX. It has now been over two months ( two weeks past the time XXXX had said it at the latest would be removed from my report ). Interest rates are skyrocketing. We have not been able to purchase a home for four months due to this error when I fulfilled every single one of my obligations. I complied with the terms of the forbearance plan by paying off the loan in full prior to the end of the forbearance term. I contacted XX/XX/XXXXand asked them to remove the late payment. They refused.
Product: Student loan

I acquired a personal loan through Sallie Mae with a cosigner. I set up a payment arrangements with Sallie Mae through a direct debit and then I received a letter saying that Sallie Mae was now Navient and that they would be handling by private loan. Everything was fine for about a year and then I lost my job. Navient starts harassing my cosigner. My cosigner set up payment arrangements for credit worthiness purposes. Then all the sudden they would send letters and would start calling at XXXX XXXX about a payment that had cleared at the bank XXXX  days before it was due!!! Payments were misappropriated. The customer service representatives were like The Stepford Wives. I would ask to speak to a supervisor or someone in a higher position this person would take care of the situation reallocate the money the next month the same thing would happen and they would have no idea about my conversation with a supervisor the prior month ; even though the conversation was monitored and recorded for quality assurance purposes. This company is a joke!!! The XXXX XXXX XXXX says Navient has an A+ rating. I still owe {$1500.00} on a {$2800.00} loan I started paying on in 2011. Do I need to hire a Dream Team to take care of the situation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill XXXX  collections in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Checking or savings account

My account has supposedly been closed for over 18 months now and i Still have yet to receive any of my funds. Every time I call the automated system it says that my available balance is {$4600.00}. They said a check would be mailed in 30-60 days after account closure!!!
Product: Checking or savings account

On XX/XX/2021 I filed an dispute with Chime Bank ( Claim # XXXX ) about an unauthorized charge that was done with my Checking account for {$3300.00} from XXXX XXXX XXXX. I had a total of {$820.00} in my checking account when this took place and over {$2300.00} in my savings account when this took place. This unauthorized purchase but my checking account in - {$2500.00} dollars balance so I was unable to pay any of my bills, ( rent, car note, utilities, cell phone, etc ). Not only was I Not awarded a procredit during the entire investigation, but I wasn't giving an answer of determination until XX/XX/2021, I wasn't explain why my claim was denied, I had no assist to the money in my savings account, and after emailing and calling numerous of times when giving the denial verdict on XX/XX/2021 i received an email stating ym account would be closed in 10 Days. So i called Customer service and asked why would my account be closed and they insured me it was an mistake and it wouldn't be closed, then in 10 Days my accounts was closed. I no longer have assist to it and I never received or know what happen to the money in my savings account. This was the worst experience i ever had with a bank and was handled very unprofessional. I got behind on all of bills and was almost evicted out of apartment due to Banking with Chime.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' PLEASE SEE ATTACHED LETTER TO Core Logic. A BANKRUPTCY IS NON PUPLIC AND NO REQUIREMENT TO BE REPORTED! Core Logic is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Core Logic ) is a financial and information institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Core logic is a Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Core Logic does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Core Logic to report or furnish information whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Core Logic Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Core Logic is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.