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

As a natural person with rights under 15 USC 1681, I would like to file a formal complaint regarding the following items on my credit report that are in violation of the Fair Credit Reporting Act and my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681 and have repeatedly violated my rights. I demand that the accounts listed below be immediately deleted from my report in accordance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C 1681 section 602 A, I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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. 

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), which prohibits creditors from failing to reflect a payment made by the obligor or a credit issued to the obligor, and from making a computation error or similar error of an accounting nature on a statement. Since the creditor did not notify me 21 days before with a statement, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late, as this is clearly a billing error. The account listed below should be updated as agreed on my consumer report. 

XXXX XXXX Account # XXXX If these accounts are not updated immediately, I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

Furthermore, I did not authorize the following companies to access or pull my credit report. These inquiries are fraudulent, and I demand that they be removed immediately : XXXXL XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX FL, XXXX Bank Credit Cards XXXX XXXX XXXX I HAVE CONTACTED THESE COMPANIES AND THEY HAVE NO PROOF THAT I HAVE AUTHORIZED THESE INQUIRIES OR PERMISSIBLE PURPOSE.THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have XXXX collection accounts on my credit reports. According to XXXX XXXX XXXX. The law states that these companies are suppose to cease communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the the consumer with respect to such debt. Which these accounts should not be on my credit report, that is form of communications The company names are : Credit Collection service Account Numbers : XXXX XXXX XXXX The address for the above credit collection agency is XXXX XXXX XXXX, XXXX MA XXXX The next company is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX. Act # XXXX Can you please have them remove this from my credit report. Thanks
Product: Debt collection

On XX/XX/XXXX I called and spoke with Mr.XXXX at XXXX ext XXXX. I advised of my situation and we spoke about options. I then advised Mr. XXXX to cease calling my family members and giving information and leaving messages. He advised he will remove all numbers and i provided my phone number again. My phone number has not changed nor have I ever blocked comenity 's phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( Santander ) agreed thru a goodwill  gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( XXXX ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.
Product: Debt collection

I am a divorcee who had XXXX XXXX XXXX XXXX WaMu Predatory Lending loans. 
I have a trustee sale date of XXXX/XXXX/XXXX, but I can prove I am not in the trust that is moving against me. XXXX ' response to my debt validation request was to say that XXXX Bank as trustee for a securitized trust " owns '' the notes, but my loans are NOT in that trust. I have asked that they at least postpone the sale until they have provided information in response to my concerns. 
XXXX, insists that the sale will occur on XXXX/XXXX/XXXX regardless of my claims. 
Their are many issues associated with the standing issue. None of the actions taken against me would have been by the correct party, the Notice of Default, the recording of assignments would all be invalid. 
Legal documents that were used against me relating to bank standing were altered. The copies of notes used to prove bank standing had undated indorsements in blank. In XXXX in response to a QWR, Chase sent copies of these notes stamped " Certified Copy of Original Document '' which have no indorsements. 
There are also several serious servicing issues with Chase and then XXXX who was substituted in as servicer for Chase. When the servicing was moved from Chase I was in underwriting, at the very end of a modification for XXXX properties. XXXX refused to continue the modification that was in underwriting at Chase. 
XXXX has violated many servicing regulations, including Single Point of Contact, Dual Tracking, and the requirement to offer foreclosure alternative solutions in good faith. They send letters saying that those opportunities are available, but XXXX has blocked every attempt I have made for a foreclosure alternative. Since they stopped the modification I had in underwriting at Chase, I have not had the opportunity to utilize any foreclosure alternative. Many servicers are intentionally deceiving and misleading XXXX the borrower and the regulatory agencies, pretending to follow servicing guidelines and requirements, when they are actually trying to sell the property. XXXX said they had opened a short sale and I would have four months to list the property and find a buyer. They kept putting me off when I called and then said they could n't open the program because I did n't have a listing. I got a listing which was emailed to them. They emailed confirmation of receipt and said they would respond in writing. They did n't. Then they told me that they had closed out the short sale program because I did n't have " an offer in hand! '' This entire time, they refused to send me any confirmation in writing that I was actually in the short sale program and continued efforts to sell the property at trustee sale. When I told them they were dual tracking, they said that technically they were n't because " they had never actually approved the program. '' This is commonly done. I know that I am XXXX many borrowers who have met with these same experiences. 
Please look into this situation and, if possible, pressure XXXX to stop the sale until all issues have been addressed. 
Thank you.
Product: Checking or savings account

I bank with Wells Fargo. Have two addresses on file. Paperless.

Wells Fargo closed my bank account with no notice, did not notify me until four days after closing- via email. I was aware of it by then as I keep all money in one account and log in daily. 

Account closed XX/XX/year> - I have spoken to 5 people on the phone and gone into two branches to gain access to the funds. All have said it is not possible to issue my money to me in person. That a cashier 's check must be mailed. No one has been able to verify where the check was mailed or on what day but that this will be up to 15 business days from XX/XX/XXXX ( three days after account was closed and access to my money was removed ) before the check arrives. 

I travel most of the year and bank online and the check will be mailed to an address across the country that I will not have access to for three and a half more months.

They said the best they could do is if I haven't not gotten the check in my possession in 15 business days, to call them. They were unable to offer information on what they could do at that time. 

This is all of my money. 

Thank you.
Product: Mortgage

I reached out to the mortgage company about my situations and asked them to modify or put it behind the principal to start my monthly payment. Response is no
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXXXXXX XXXX, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX DateUpdated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated:XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX Balance Owed : {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXXBalance Owed : {$2100.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On or aboutXX/XX/XXXX I open a bill consolidation loan with Navy Federal Credit Union loan number XXXX : I have refinance this loan on or aboutXX/XX/XXXX I consolidated 4 loans 3 auto loans as well as a charge off account of {$10000.00} credit card debt : Which has been charge off for over 1 or 2 yrs  ago. with interest and fees from the charge off credit card debt : On or about XX/XX/XXXX I received a redress payment for only 2 out of 3 loans for about {$1500.00} from a settlement between Navy Federal and Consumer Financial Protection Bureau for bad collection practices I guess : " Complaint '' My bill consolidation loan is due on the 12th of every month and since I have not made the payment for XXXX as of yet : Navy Federal Credit Union has been taking money from my saving account and checking account and applying it to my current loan : I am only 2 weeks behind on my current loan and Navy Federal is transferring small amounts of my money from my saving account to my loan : On XX/XX/XXXX {$38.00} was transfer from my checking account to my current loan without my consent : On XX/XX/XXXX {$18.00} was transfer from my saving account to my current loan without my consent : This has been going on for a few months now : I only discover the theft today on XX/XX/XXXX : I was not aware or was not notify that fees or collection fees would be transfer from my saving/checking account without my permission : To be apply to a current loan : My current loan is not 30 days past due or 60 days past due and has already been charge fees : I pray for CFPB help and relief one more time in this matter : Thank You
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 USC 1681.

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 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 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 1681 s-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. 

XXXX - ACCOUNT NUMBER- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once you've successfully filed your credit dispute, you should expect the following to happen : 1.  Confirmation Code You'll receive a 10-digit confirmation code for future reference. You may check your status anytime within your XXXX  account. 

2. Investigating Your Dispute When reviewing your dispute, if we are able to make changes to your credit report based on the information you provided, we will do so. Otherwise, we contact the reporting company to verify the accuracy of the information youre disputing. 

3. Results in 30 Days Within 30 days of your dispute request, we will notify you of the results of our dispute investigation. 

From XXXX page themselves but all my disputes take more than 45 days in most cases
Product: Credit reporting or other personal consumer reports

On my credit report there is a charged off account called Citi Bank and I have disputed this account on numerous occasions and stated that I had no recollection of ever owning or using a Citi Bank credit card and had asked for this account to be removed from my credit report but this has not been done. I recently got notification that this account was charged off and is reporting as a charged off account on my credit report. 
The law clearly states that when an account is charged off then the consumer must be provided with a form 1099 c. I was never provided such a form by Citi Credit Cards. They say the account belongs to me but fails to provide me with a form 1099c while still claiming that such account belongs to me. Kindly and please send me the 1099c form for the account that I allegedly had with Citi Credit cards.
Product: Checking or savings account

I need a copy of my statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They never sent them to me and refuse to allow me access to my closed account to view them myself. On XX/XX/XXXX, at XXXX PDT, I spoke with a very unprofessional and abrasive agent named XXXX XXXX. She was combative and abusive on the phone call, used profanity and insults and hung up on me. 

I need a copy of these statements, since they were never mailed to me, or to regain access to my account to view them. 

It is illegal to deny me access to my own statements, of my own financial history. It is my legal right to view my financial statements and you can not deny me access to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to equifax twice once on XX/XX/2021 and Also again in XXXX regarding an account with child support reporting. Account is past XXXX AND HAS BEEN PAID IN FULL AND EQUIFAX HAS CONTINUE TO REPORT ACCOUNT IM REQUESTING DELETION
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute and furnish my id and utility bill. They sent me a stall letter as if it was not me that submitted my information this is the second time and I want it resolved
Product: Credit card or prepaid card

CREATIVE MATH! 

I have promotional and non-promotional balances with my XXXX XXXX card. I call in each month to clarify HOW MUCH I NEED TO PAY - so I do NOT pay interest the following month. And if needed I pay off my promotional balances that are coming due. 

Once again last month, it appears as though the bank is CREDITING my promotional balance with my payment as requested, then RE-CHARGING it to my account as non promotional resulting in my having a balance subject to interest charges. 

Every month my account seems to have more " adjustments '' ( both debits & credits ) than it does actual transactions with which I am buying product or making payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX falsely reported to the 3 Major credit bureaus ( XXXX, XXXX XXXX TransUnion ) that I was late in paying them and that I did not pay my last bill. XXXX XXXX took money out of my account that was not correct and promised to issue me a refund and provided a refund reference # XXXX and did not adhere to there promise. XXXX corporate office has made unethical aggressive attempts to ruin my credit profile by submitting false information such as me being late on payments and not paying. My XXXX XXXX account was cancelled back in XXXX of XXXX. XXXX XXXX was paid the amount {$680.00} they alleged on XXXX through auto payment. My account with XXXX was Voluntarily closed in XXXX of XXXX. XXXX mission to intentionally ruin my name because I cancelled service with them. Despite efforts for them to pull calls and provide proof they have relied on their system errors and has proceeded to report false information to all 3 major credit bureaus. They have also sent my personal information without my permission to a Third Party Collections Agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. This is concerning because this company operates in XXXX but uses a US address as a cover up. XXXX XXXX refuses to provide me employee # s or full names for my record. They will only provide me first name and reroutes my calls to collection agency. I have reported there unethical practices to FCC and FTC and have made numerous attempts to prove to them they are wrong with the information they have. I have sent dispute letters to the 3 major credit bureaus.
Product: Student loan

I contacted navient several times over the last two years advising that due to medical reason, XXXX in 2015, that I was not able to make my loan payments because I was XXXX and due to hospitalizations, my income was lower. I was advised to take forbearance for those times which I did, not knowing I could have entered into an income based plan. Also, I received a notice from navient of a forbearance period for a natural disaster in my area, but I never requested that. I was shocked when I received the letter. I attempted to contact navient but never received an answer. Finally, navient could not have made it more difficult to enter into an income based repayment plan. The website where you are supposed to upload the application and tax returns for proof of income states that the application is too large to accept ... .its their application. And would not accept tax documents. Took days, numerous phone calls to get a fax number to send documents. Then I was told to pay {$50.00} as a good faith showing so they would not put me into default while my application was pending bc they were n't sure they would have application complete within XXXX 30 days I had before going into default. I did finally receive notice of the I come based repayment plan. However, I am concerned about the forbearance done without my request or permission and the 2 years I could have been on a repayment plan.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding an inaccurate collection account that appears on my credit report. Despite my dispute with TransUnion, the information has not been corrected or removed, and the matter involves violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically outlined in 15 U.S.C. 1692. 

The account in question is from XXXX XXXX XXXX, a collection agency that has reported erroneous information on my credit file. I formally disputed this account with TransUnion, providing evidence that the information is inaccurate and that the debt does not meet legal reporting requirements. However, despite my request for proper validation, TransUnion has failed to remove or correct the inaccurate information, thereby allowing a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA to persist. 

Specifically, XXXX XXXX XXXX has failed to provide adequate documentation proving the validity of the alleged debt and has continued to report erroneous information without proper verification. This action is in direct violation of 15 U.S.C. 1692e and 15 U.S.C. 1692g, which require debt collectors to provide proper validation of a debt upon request and prohibit the use of false or misleading information. 

I request the CFPB to take immediate action to investigate this matter and ensure compliance with federal law. I also urge you to hold TransUnion and XXXX XXXX XXXX accountable for their failure to adhere to legal requirements. Please provide me with an update regarding the actions that will be taken to address my complaint. 

Attached are copies of my dispute letter to TransUnion, their response ( if any ), and any supporting documents demonstrating the inaccuracy of the collection account. Please let me know if additional information is required. 

Thank you for your time and assistance in resolving this matter. I look forward to your prompt response.
Product: Debt collection

The company name is Financial Data System the debit is a {$36.00} When i ask more infe from where is this debit come from the XXXX a very agresive langiage very rude and threat each time they call I do have all contacts recordet