23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Citibank shared my information without my authorization. When I brought this to their attention I was told they can share information with whomever they believe to be. I was told they do not need to verify any account information prior to sharing information about an account. When I challeged this concept was once hung upon by a " manager ''. when I called back I was unable to relay my concern as a different manager would not communicate with me, stating that everything I had to say was a personal attack. I was unable to present my concern without first making payment. I am gravely concerned Citi bank has shared my information with others and I will not be able to discuss this without having to make a payment. The best I was able to achieve was a possible manager call back in no less than 15 days. This is unacceptable. I need your help to resolve this unauthorized information sharing.
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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i was overseas for a few years and i came back and i was checking my credit and i found these accounts and think it's my x girlfriend or a few people that lived with me i couldn't know who has my information cause the creditors wouldn't provide me contracts and signatures after contacting them a few times and i didn't receive any calls or emails or mail and as of 15 U.S Code 1692g validation of debts they invaded my privacy and harmed my credit really bad and its illegal 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 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 OIONFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON knows or has reasonable cause to believe that the information in inaccurate please move them from my credit report 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

Heres a letter Ive used in the past : Subject : Complaint against XXXX Dear Consumer Financial Protection Bureau, I am writing this formal complaint against XXXX in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that XXXX has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that XXXX may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, XXXX has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements. 
I request that the Consumer Financial Protection Bureau take appropriate action to address my concerns and ensure that XXXX rectifies their reporting practices promptly. Specifically, I demand the following : - Immediate removal of any unproven or inadequately reported negative claims from their records and future reporting until they demonstrate provable adherence to reporting standards and regulatory mandates. 

- A comprehensive review of XXXX reporting practices to ensure that they comply with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will handle this matter promptly and diligently, safeguarding my rights as a consumer. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance in addressing this important concern
Product: Student loan

This is the second time it has happened ... ..and it is every time I make a payment for both months ... 

Navient has again, wrongly applied my federal student Loan payments ; loan ID ; XXXX, XXXX and XXXX to an unknown loan ID XXXX, without authorization. I've asked Navient by email to correct the error of the payments for XX/XX/XXXX, and XX/XX/XXXX  and re-allocate the payment made to the unknown loan XXXX to the loans ID : XXXX, XXXX and XXXX for those months accordingly. Please find below details of the checks that were supposed to be applied to Loan ID : XXXX, XXXX and XXXX : Cashiers check # XXXX, payments for XX/XX/XXXX,  was supposed to be applied to loan ID : XXXX, XXXX and XXXX as described on the copy of the letter from Sallie Mae and written on the check, but was wrongly applied to unknown loan ID XXXX, on XX/XX/XXXX? Cashiers check # XXXX, payments for XX/XX/XXXX, was supposed to be applied to loan ID : XXXX, XXXX and XXXX as described on the letter from Sallie Mae and written on the check, but was wrongly applied to unknown loan ID XXXX, on XX/XX/XXXX? They've suddenly decided to divert my federal student loan payments to an unknown loan and charged me late fees for it??? 

I've included a copy of my past complaint ( ID XXXX ) and also the proof the checks i sent with instruction for which account and months!
Product: Mortgage

I had a mortgage with Nationstar Mortgage ( account XXXX ) that was foreclosed. The mortgage had been passed to several other sources including XXXX XXXX XXXX ( account XXXX ). The first delinquency prior to charge off was prior to XX/XX/2011. But it has been passed around so many times that each company updates the date of last activity to when they got it. These accounts are OUTSIDE FEDERAL OBSOLESCENCE. and need to be removed. I have disputed them with XXXX XXXX and they have remained. 

I disputed it with the bureaus and they left them. I am filing this against the mortgage companies now
Product: Credit card or prepaid card

TD XXXX XXXX was an XXXX XXXX XXXX credit card and is still showing as open on my credit report. I had requested the account closed about 6 months ago and they even mailed me a confirmation of closing. I since discarded that notice and the card believing it was closed. I called today to TD 's retail line and they say that my info doesn't show and I should call the 3 credit bureaus to get them to close the account on my credit report. I'm not sure why this is my responsibility.
Product: Credit reporting or other personal consumer reports

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.? Except as provided in paragraph ( 3 ), the term? consumer report? does not include? ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device.THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Here 's the list XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX  XXXX
Product: Debt collection

Viking Client Services , LLC contacted me stating that a XXXX XXXX  was miscalculated and that I owe XXXX {$57.00} and it has been escalated to Viking to collect it. I have never rented from XXXX. I asked them to send all the documentation to my work email, which has a strong phishing and spam filter. After I hung up, I called XXXX and they could not find my name nor my license in their systems. I received the document from Viking shortly after. It stated that I rented a XXXX  XXXX  in XXXX XXXX, CA on XX/XX/17. I was in New York. It shows my name and an unknown credit card from XXXX XXXX. I called XXXX XXXX to verify the charges and they could not find a matching card and charge and stated that this was spam or a scam. I called XXXX back with the information on the document and they said it was filed falsely. The case number from XXXX is XXXX. I will only attach a screenshot of the document as the file may be infected.
Product: Credit reporting or other personal consumer reports

To : Resurgent Capital Services AND LVNV Funding LLC AND XXXX XXXX XXXX XXXX XXXX I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX number : XXXX
Product: Money transfer, virtual currency, or money service

Once again everyone 's research ( XXXX, XXXX Bank ) points to FISERV as being the culprit which continues to arbitrarily, capriciously, and without punishment blocks our legal fee payments from customers and clients, further driving our law firm into bankruptcy ( XXXX case index no XXXX and XXXX ). 

This all the while CFPB and other agencies still have our open complaints against FISERV open, and unanswered. 

Please get on top of this immediately.
Product: Debt collection

I 've tried disputing a couple of fraudulent accounts on my credit report, and the  Bureau  has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include.  Feel like after six  months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my understanding, mandates the elimination of any incorrect accounts from my credit report. Could you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Debt collection

Continuously harassing me and will not stop have filed numerous claims and still continue to harassing me. Statue of limitations is up in California it is four years
Product: Credit reporting or other personal consumer reports

My information has been compromised due to a data breach, My identity has been use to open those account those account don't " belong to me.
Product: Credit reporting or other personal consumer reports

Reinvestigation Report Notice ... .This is in concern of XXXX XXXX XXXX XXXX account number XXXX. I'm requesting a reinvestigation under 15 USC 1681 accuracy and fairness. Before any information is inserted to my consumer report it must be accurate and fair information reporting. I'm aware of my rights and I know according to the FCRA I have the right to challenge anything and everything I'm unsure of. I'm demanding that you reinvestigate this account A.S.A.P. As this has put mental stress and physically pain upon me. If you can not provide me with the proof of the reinvestigation with : 1 ) ledger of the account, 2 ) account transaction history 3 ) the original contract 4 ) and contract with signature from me with XXXX XXXX XXXX, this account must be deleted and removed according to 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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.
Product: Checking or savings account

I have an account with wells fargo since 2005 at that time it was XXXX. 
I was never charge a fee until i saw a charge for {$150.00} in XXXX and i question it and was told it was an annual fee for the account maintenance. i told them i never pay a fee for this account and they say last year i was charge this fee also ( i must have miss it ). I ask them on several occasion to reimburse my money. 

XXXX the XXXX in a letter they say, ' Thank you for sharing your concerns and they will respond within 60 calendar days from the date we contacted them. 

In a letter i received, Dated XX/XX/XXXX, it say " the fee can be waived if the client 's household is linked to wells Fargo premier checking account '' I don't want any change to my account ; They change my account before without me asking or agreeing to it, not this one in question, my checking. 

Now they are saying on the phone they can't waive the fee. 
we went into the bank and call and talk to several representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$15000.00}, {$9800.00}, {$4000.00}, {$0.00}, {$0.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

4. XXXX/XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX/XXXX  VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX  with a balance of {$20000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax, XXXX, & XXXX in XX/XX/XXXX requesting the bureaus provide their method of verification for a XXXX XXXX  & XXXX XXXX  bankruptcy listed on my credit report. I also contacted the court house in GA & TN in XXXX & was advised the court does not provide bankruptcy information to credit bureaus. I spoke with XXXX, Equifax employee on XX/XX/XXXX and requested the method of verification & was advised XXXX provided this information to them. XXXX was unable to verify they received a copy of these bankruptcies themselves & referred me to contact XXXX. XXXX confirmed Equifax received my request from XX/XX/XXXX. The representative noted my request/dispute and provided a Confirmation XXXX. I called XXXX representative XXXX XXXX badge number on XX/XX/XXXX. The representative advised they used a 3rd part service called XXXX. Rep stated she could not verify the bankruptcies and would file a dispute so XXXX could verify how the information was verified & initiated a dispute. XXXX is not 100 % accurate and should be utilized as a primary source for verification. Also, to my knowledge, per FCRA-a dismissed bankruptcies should be removed because there is no proper reporting of a dismissed bankruptcy. Per FCRA the credit bureaus must provide upon request a letter showing the method of verification used. I did not receive this and I requested this in XXXX. XXXX does not provide 100 % accuracy and without the credit bureaus obtaining any information directly from the court house, they can not report two bankruptcies without proper verification. Please further review and request all bankruptcies be removed from my report. XXXX  XXXX reference # XXXX XXXX XXXXXXXX reference # XXXX *Ive attached documents to confirm my identity. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was effected b the XX/XX/XXXXEquifax data breech, and Im still suffering because of Equifax! I have written, called, emailed and filed countless disputes, yet a lot of their information on my report is incorrect. They also allow medical bills and I believe that they are not supposed to do that especially when the account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau and bank are giving me a hard time I found an inquiry from capital one on my XXXX credir report contacted capital one they sent me a letter confirming this as fraud I mail it to XXXX and they still refuse to remove it they give me a hard time its not fair when they originally told me to provide them proof from the creditor requesting it be removed as fraud application Ive done it and they still act like its valid
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX  XXXX  XXXX, XXXX   XXXX XXXX, XXXX  XXXX and XXXX  XXXX.
Product: Debt collection

This debt collector called my phone and begin to disclose information about a delinquent credit card account Without verifying whom she was speaking with. I have received personal information about a person without their consent, this is a direct violation of our privacy.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX Y XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX -late/closed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX -late/closed XXXX XX/XX/XXXX XXXX XXXX XXXX Y XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX -late/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hello, I contacted HYUNDAI CAPITAL AMERICA regarding Account # : XXXX on XX/XX/2021 requesting all the documents regarding the repossession they are reporting on my credit report because I never received any documents. I still have not received a response. I have attached a copy of the original letter and proof of delivery. The balance being reported on this alleged debt has been waived by the creditor. The balance should be listed at {$0.00} due to the creditors failure to comply with UCC XXXX. Please correct this information or delete it immediately. It is a violation of the FCRA to knowingly report or furnish false information. 

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

XXXX XXXXhas violated sever al FC RA US code 15 rules on my account. violation of 1681 ( b ) permissable purposes of consumer reports and violation of 1666 ( b ) timing of payments