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

You are in violation for continuing to report an account when you were informed by the collection agency to delete a tradeline. The company XXXX XXXX responded to CFPB complaint XXXX stating that they have terminated collection attempts on account XXXX and notified the credit bureaus to delete this information. The company responded on XX/XX/year>, and yet this account is still reporting. Please see the attached response from this company and remove the following account from my credit report due to inaccurate reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my account has been diligently neglected by 3 bureaus. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, the 3 bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Student loan

On XX/XX/18 XXXX Eastern Standard Time , I tried for the second time that day to contact XXXX, which had been XXXX XXXX the last time I was able to contact them. I called their MEFA Department line after previously and unsuccessfully attempting to access my online account earlier that day and several times in the past. I was calling specifically to inquire about my XXXX, which I have not been issued. The automated system that I followed during the call, took all my personal information to identify my account and hung up on me after telling me to call back between XXXX and XXXX Eastern Standard Time. This is certainly not the first issue I have had with the handlers of these specific student loans, but this issue is beyond concerning.
Product: Vehicle loan or lease

Violations 1. Down Payment +Pursuant to 15 USC 1605 ( a ) Thefinance chargedoes not include charges of a type payable in a comparable CASH transaction. 
A down payment was advertised in order to extend credit. 

2. Unlawful Repossession 1. Extension Posted XX/XX/XXXX 2. Payment made on XX/XX/XXXX in the amount of {$270.00} REF : XXXX XXXX. Repossession Expenses {$420.00} incurred on XX/XX/XXXX. 
4. Repossession occurred after payment which means account not in default 5. I spoke with a rep who admitted she wasn't sure why it happened if I made a payment but, didn't fix the problem and refused to help me resolve the issue. 


3. Violations During Repossession 1. Breach of Peace incurred. Vehicle repossession from Private & GATED community. There is no PUBLIC access where the repossession occurred. Repossession company was not granted access to the secured area. 
2. Violation in pursuant with Universal Commercial Code that secured lenders also breach the peace if they : ( 1 ) repossess the collateral despite the consumers objections ; or ( 2 ) TRESPASS in order to gain possession of the collateral. 

4. Repossession Expenses 3. On XX/XX/XXXX Payment was made in the amount of {$2000.00} ( REF XXXX ). I instructed rep to apply it to repossession expenses. Rep did not apply it to expenses and instead towards monthly payments. 
+ In Pursuant to 15 USC 1692 ( h ) shall apply such payment in accordance with theconsumers directions. 

5. I've also asked on many occasions to produce the paperwork however, representatives frequently transfer me to incorrect departments and refuse to provide me with information that I have a right to receive.
Product: Checking or savings account

My debit card went missing and over {$5000.00} was fraudulently taken from my checking and savings account. I made the bank aware of it. They said that they would do an investigation. I receive notice that after concluding their investigation, they would not return the money to me because they believed someone used my password to access my account. This is impossible because no one else has my password.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I am a victim of identity theft. I think a family member XXXX have gotten a hold of my social and began to start utilizing my credit in order to attempt to get loans and other goods. I called TransUnion and they told me to file the proper FTC paperwork and attached below is that paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to Professional Debt Mediation , INC whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 : XXXXXXXX XXXX XXXX  | XXXX ; XXXX | XXXX | XXXX ; XXXX | XXXX | XXXX. 

According to : 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: Debt collection

When I refinanced my home in XXXX, XXXX XXXX XXXX XXXX XXXX handled the title part of the transaction to make sure title was clear for refinancing. According the attached letter from XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX, " XXXX paid off the abstract in the amount of {$11000.00}. because it says that, " you had refinanced your home through XXXX XXXX XXXX without the above referenced abstract of judgment in favor of XXXX XXXX being paid. '' On the attached letter sent to me by XXXX in XXXX XXXX, XXXX, demanding me to pay {$11000.00} to recover the amount they said they paid. As of today, there is a lien against my home. I do n't understand how a title company insurance can recover from their mistake after they had clear my home at the time of transaction? If it is been paid off by the title insurance company, how come the same original lien is still enforced?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX - XX/XX/year>
Product: Mortgage

On  XXXX   XXXX ,  2017 I called Santander Bank to req uest a Home Equity Loan. My first question for them was if I was eligible for the loan if I had already started my kitchen renovation because I did n't want to waste my time if this was the case. The representative from Santander said this would n't be a problem. The representative 's name is  XXXX  and her ID number is  XXXX . I decided to apply over the phone with her and we spend over 40 min on the phone going through the process. She told me to have the rate they were offering, I would also need to open a checking account. I asked if I could open this later after being approved because I did n't want to deal with the hassle of opening a bank account, make a deposit of {$25.00} ( minimum required ) and then get my application rejected and have to cancel the account. She said opening then would be easier and I accepted to open the checking account. Since then I provided all documents required by then, with a note that most of the time I was the only reaching out to them to see the status of my application because I was not getting communications directly from them. Now I 've been informed that after the assessment of my propert y ( don e last week ) that my application was not acceptable and was sent to " denied '' because my kitchen and a small bathroom are under construction. I contacted them and explained the situation and they simply " apologized for the inconvenience '' and said I could have another re-evaluation as long as it is done by  XX/XX/XXXX  otherwise I would need to start from scratch. I requested an extension of this deadline since the construction should be all set by the week of  XX/XX/XXXX  and they rejected my request as well. Now I am left with an unfinished kitchen and bathroom, a checking account that I do n't want to use and the hassle to pursue another loan and start from scratch because they misled with wrong information.
Product: Debt collection

I did n't receive a notice of right to dispute. I sent XXXX ACCOUNT RESOLUTION a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information. If this account is not deleted I will file a lawsuit.
Product: Mortgage

I 'm a US veteran and did a VA streamlined refinancing in late XXXX with Stearns Lending ( the " Company '' ) as the finance company and current holder of the note. The Company 's loan servicing provider is " XXXX '' and that entity has a current practice of charging borrowers a {$5.00} processing fee for payments made over 4 days past the payment due date. Payments made over 9 days past the due date are assessed a {$10.00} fee. Loan documents state that I have a 15 day grace period to make payment each month without any late fee assessment. These processing fees during the grace period were not disclosed at the consummation of the financing. The assessment of " processing '' fees appear to be a disingenuous attempt by both the Company and its service provider ( XXXX ) to assess a late fee just by calling them something other that late fees. I tried to resolve with XXXX with no success.
Product: Checking or savings account

Citi Reference Number : XXXX - On XX/XX/XXXX, I was sent an email from Citi saying that my online user ID was blocked because they had reason to believe my login credentials were compromised, but, on XX/XX/XXXX, when I called the number they gave me, XXXX, options XXXX, I was told that they could not help me to unlock my account, nor did they tell me what supposed suspicious activity there was, and to call another number. When I researched that number, ( XXXX ) XXXX, I found it was for accounts that were flagged for closure, without any real reason. I read horror story after horror story of Citi customers saying that their accounts were locked for no real reason, and that their funds were frozen for months. All I did the days before my account was locked was request ( on XX/XX/XXXX, and XX/XX/XXXX ) transfers of {$4500.00} each be transferred from my Citi account to my XXXX account. They reversed one of the {$4500.00} transfers to my own account on XX/XX/XXXX and are keeping the other one that was sent on XX/XX/XXXX from becoming available in my balance at XXXX. Now I can not access the {$9800.00} ( current AVAILABLE balance according to their own phone banking system as of XX/XX/XXXX ) I have in my checking account with Citi. They even accepted two {$2000.00} XXXX payments into my supposedly locked Citi account from my siblings after they had locked it. So I can't access my own money, and that money is gone from their accounts. I emailed Citi 's Executive Response Team on XX/XX/XXXX, and on XX/XX/XXXX, I received a generic response saying they were investigating my case and would get back to me in 15 days. But I need and should have access to my own money sooner, especially since they have no real reason to hold it hostage.
Product: Credit reporting or other personal consumer reports

I was Trying to get a XXXX XXXX when I realized I had damage on my credit report which ended up causing me major issues. Also According to 15 U.S.C. 1681 there should not be any damages on my report as it is a defamation of my character. And it is impeding my progress in life and putting major undue stress and hindering my pursuit of life, liberty and happiness. They have done absolutely nothing to help and are currently breaking the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE FOLLOWING UNKNOWN ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the extra name from XXXX credit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C- Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX standards. 
PLEASE REMOVE THE FOLLOWING NAMES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have repeatedly asked for these two accounts to be removed from my credit report. I have asked through the credit bureaus and I have sent validation of debt letters by certified mail. The credit bureaus say they verified but wont tell me how they verified and NCA will not answer the validation of debt letters
Product: Debt collection

This is in response to the CFPB your company provided to me ( your response attached ) To whom may concern I contacted the Attorney General of Florida ( attached ) I reported the fraud from your company with the FTC ( attached ) If you default again I will contact the Office of Financial Regulations, file a police report due to Identity theft by your company and File a complaint with the XXXX XXXX XXXX.

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) you proceeded to mail a simple statement which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you need to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified letter. Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident.

You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I highly doubt that this $ ( XXXX ) debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. 

Please be advised the affidavit sent in support of my claim was not rebutted and my demands in the cease and desist were not met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I'm requesting a deletion for the following charged off account listed below. XXXX XXXX XXXX XXXX After checking my most recent report the updated information stated the account was purchased by XXXX XXXX XXXX XXXX XXXX XXXX This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX has placed a debt on my credit report that I DO NOT OWE. I have written to them several times and told them to return this debt to the original creditor due to insurance dispute. The insurance company is reviewing this in the meantime XXXX was put on notice about this and I am demanding that this be removed off of my credit report immediately. This is a fraudulent use of collection tactics and I am demanding that they are fined in the process.
Product: Credit reporting or other personal consumer reports

Self Financial/Lead Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date open : XXXX Original balance : {$520.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally dispute inaccurate information that appears on my credit report concerning my account with SECURITY FIN ( Account Number : XXXX ). After reviewing my report, I have identified several inconsistencies and inaccuracies that need to be corrected immediately. 

Here is the inaccurate information currently reported : XXXX. Date Last Payment : Reported as XX/XX/XXXX and XX/XX/XXXX Both dates are incorrect. 
XXXX. Date Last Active : Reported as XX/XX/XXXX and XX/XX/XXXX These dates conflict and are inaccurate. 
XXXX. Last Reported : Reported as XX/XX/XXXX and XX/XX/XXXX XXXX or both dates are incorrect. 

I request that you investigate these discrepancies and correct the inaccurate information to reflect the correct data. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and resolution to this matter. 

Please notify me of the outcome of your investigation and provide an updated report once the corrections have been made.
Product: Debt collection

National Credit Systems of XXXX XXXX at XXXX is harassing me for {$2700.00} ( ref # XXXX ) for an unpaid lease at apartment XXXX at XXXX XXXX XXXX, managed by XXXX XXXX dated XXXX/XXXX/XXXX. I never signed a co tenant lease with XXXX. I signed a tenant referral for a relative in XXXX for apartment XXXX for XXXX XXXX, which the lease was completed in XXXX. The relative moved to a larger apartment and signed a new lease which I was not needed as a reference. This was also a low income HUD building. A new management took over the building named XXXX that hired National Credit Systems to harass me due to ill standings with my relative.
Product: Checking or savings account

In XXXX, I opened an account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my now deceased mother. There is currently approximately {$2300.00} in this account. Since I live in XXXX and no longer need the account, I would like to close this account and transfer the funds to my XXXX bank account. 

Since XX/XX/XXXX, I have repeatedly contacted chase bank in various ways ( telephone, letters, online banking, XXXX XXXX ) to arrange for the closure of my account. Unfortunately, I have not yet received a satisfactory response. My online access has been repeatedly blocked due to unusual activity and a phone reactivation was denied for security reasons. As I am residing in XXXX, I can not come to the branch in person. But I asked my sister in-law who resides in XXXX to inquire at the chase bank in person to inquire about closing the account - all to no avail. 

In my last letter of XX/XX/XXXX I once again requested to close the account and transfer the balance to my XXXX bank account. I wrote that I would wait until XX/XX/XXXX before I contact a consumer protection agency or get other help. 

Still there has been no response. Therefore I need your support.