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

I am writing to inform EarlyWarningService that a p

olice report detailing unauthorized activities on my consumer report is attached herewith. The attached report clearly identifies hard inquiries, accounts, and addresses that are not associated with me. Pursuant to the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) policies, I assert my rights to accurate and verifiable information on my credit report. The inclusion of these unauthorized items on my credit report not only compromises my creditworthiness but also violates the FCRA, which mandates that consumer reporting agencies ensure the accuracy of the information they report. In accordance with CFPB policies and guidelines, I demand that EarlyWarningServices conduct an immediate and thorough investigation into the inaccuracies and discrepancies identified in the
attached police report. I expect EarlyWarningServices to adhere to the timeframes and procedures outlined by the FCRA in resolving disputes related to inaccurate information on consumer credit reports. It is imperative that EarlyWarningServices rectify these errors promptly to maintain the integrity and reliability of my credit report, as well as to comply with federal regulations governing consumer credit reporting.

Also, see attached dispute letter, drivers license, utility bill for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to an apartment complex because i need to relocate. i received an adverse letter from XXXX  due to negative reporting on my consumer credit report. I the consumer was never given an option by XXXX XXXX  to opt-out of reporting nor was given the required disclosures explaining I had the choice to opt-out, therefore XXXX XXXX XXXX is in violation of 15 usc 6802 and 15 usc 1693l for waiving my consumer right in agreement.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXXXXXX XXXX XXXX. As a matter of fact, XXXX XXXX XXXX XXXX XXXX was investigated by XXXX XXXX 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX  XXXX XXXX XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against XXXX XXXXXXXX XXXX XXXX XXXX, and my Fed. loans of {$24000.00} were discharged and my credit repaired. 
My XXXX XXXX Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney
Product: Debt collection

I received a letter from the law firm of XXXX and XXXX XXXX. in XXXX, Missouri, saying that I owed money to Oliphant Financial LLC in the amount of {$10000.00} plus interest of {$900.00} I tried calling the number in the letter, but when answered, was told that company was not taking calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear. CFPB There is incorrect error in my XXXX Credit reports. 
Show that XXXX  XXXX cards open and closed. 
I never had XXXX XXXX cards so please Deleted on my credit reports please. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX GAXXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX  ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$630.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XXXX, I open a XXXX CD with Citi earning XXXX XXXX XXXX XXXX. In late XXXX, when the CD was coming up for renewal, I spoke to a Citi representative about renewing the CD for XXXX  months. The rate I was quoted was XXXX XXXX XXXX XXXX- which was approximately the going rate for CDs at that time. 11 months later, when I was prepared to close the account, I notice the rate I was given was only XXXX BASIS POINTS! The representative didn't know the difference between XXXX percent and XXXX basis points -- stunning. Considering my savings earns XXXX basis points at XXXX, I would not have agreed to earn a mere XXXX at Citi. I called to cancel the XXXX and even the next representative didn't know what a basis point is. How does Citi have representatives on the XXXX servicing line that don't know the difference between percentage and basis points?? I want my XXXX XXXX XXXX  for XXXX  months put into my account. This is a clear XXXX violation.
Product: Mortgage

Newrez is the only mortgage company I've had that requests a XXXX XXXX XXXX and if not provided will automatically move you to a policy of their choice. A quote from there insurance company of choice was dramatically more expensive. The key problem is they do NOT provide an efficient way to provide this information. For 2 years in a row, the expressinsuranceinfo.com route they provide does not work, my loan isn't found in that system. I am forced to contact them. They provide an email to send the info. I send it in and ask for a positive confirmation the request has been satisfied. THey do not provide a confirmation. So once again I need to follow-up. They are also marketing to change Insurance providers. All this is unprofessional.
Product: Consumer Loan

Paypal Credit denied my application for an account because they said they could n't identify me. ( I have had a PayPal account for many years ) They used " public records '' from a company called XXXX. The questions were : Have you or anyone you 've known lived in the following cities ( them they gave me a list of XXXX cities ) the second question was for the exact street number of the house where I lived with my mother 37 years ago. There was a XXXX question also but I forget what it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting numerous disputes Transunion continues to report wrong false information on my consumer file as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Dept of EdXXXX : # XXXX, Dept of Ed/XXXX   : # XXXX, Dept of EdXXXX : # XXXX, Dept of EdXXXX  : # XXXX, Dept of EdXXXX : # XXXX, XXXX XXXX  : Account Number Not Provided have violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My husband and I opened a joint checking account at US Bank. The person assisting us also handled a home refinancing, mortgage, and assisted us in consolidating debt. Her name is XXXX XXXX and her service was impeccable. I also have a checking account of my own that I began at this bank, separately, prior to opening the joint checking, as advised by my XXXX attorney, to recieve funds every month from SSA. I really enjoyed the service and knowledgeability of Ms. XXXX, and since my husband and I were a bit disgruntled with our current bank, we chose to give US Bank a try. A few months in, I discovered that I had NO access online to ANY billpay actions that had been set up by my husband. We have significant medical bills to pay related to my XXXX, and on basically one ( based in reality ; SSA pays just over $ XXXX ) income, we really have to juggle things to make sure we dont get behind on our financial obligations. a lot of " robbing Peter to pay Paul '' ' I then went back to XXXX XXXX and explained the situation. Prior to seeing her, I had made inquiries with the online customer service people who first informed me that that is the way things were. The pamphlet I got when next I went to the bank regarding the ins and outs of joint checking, did NOT state in any fashion that under certain circumstances, I could not have online access to my own financial information Therefore, still confused, I went back to XXXX XXXX and explained my plight, She was sure there was some kind of misunderstanding with online support, so she made the call from her desk. She acted stunned after she was told the same thing. She relayed the policy that doesn't allow a joint checking account member to access their own information unless the joint holder that set up the billpay either must give you their login information ( a clear violation ) to access this info, or go through a process to submit forms that, inevitably, still would not allow me online access to manage our own finances. My husband did not want to give me his login info, and was very upset to have to do additional paperwork to grant " shared access '' which, we later found did NOTHING to change this piece of misrepresentation and, frankly, fraudulent practices. I have spent hours on the line with online customer reps, some of whom have to get a banking specialist to  give same result.
Product: Credit reporting or other personal consumer reports

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ XXXX XXXX XXXX ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
You are in violation of the FCRA, [ XXXX XXXX XXXX ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of XXXX XXXX XXXX. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. 
For damages, I am invoking my rights as a consumer pursuant to XXXX XXXX XXXX ( XXXX ) civil liability, and I demand compensation for every violation listed below ; XXXX XXXX XXXX XXXX XXXX XXXX Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Vehicle loan or lease

TOYOTA MOTOR CREDIT Account number XXXX .... is reporting this account on my credit report wrongfully as charged off and with the balance. This vehicle was totaled due to accident, Toyota received full payment from my insurance company, they never called me or sent me a bill now I just noticed that on my credit report they are reporting this as a CHARGE OFF AND WITH OUTSTANDING BALANCE OF {$1700.00} as of XX/XX/2019 WHY ... I called TOyota several times only to be transferred all over the place telling me they could not find my account but if I see a balance that I should pay them. THey keep telling me they are ready to take my payment but won't tell me why or to which account they would apply this to. I was even told to send in a check and they will figure it out .... this is ridiculous. In a meanwhile my credit is suffering I have no other negative account except this one. WHy I can't get justice for this ... please help
Product: Credit reporting or other personal consumer reports

My dispute can not be turned into a XXXX  day dispute and must be removed within XXXX days under Section XXXX B. My identity has been stolen. These accounts are a result of identity theft and must be deleted immediately.
Product: Mortgage

We were flooded by Hurricane Harvey in XXXX, Texas. I have flood insurance through XXXX XXXX XXXX XXXX, XXXX XXXX. My member number is XXXX since XXXX. I received a closing flood claim payment from them around XXXX XXXX, XXXX in the amount of {$75000.00} ( check number XXXX ). I took it to our Bank of America branch,  our mortgage is also with Bank of America. The financial adviser in the bank called their corporate office as the branch is unable to approve the deposit before they get the OK from corporate. Again, my check paid from my flood insurance account can not be cashed before the BofA corporate office approves it to be processed. I do n't understand and neither did the bank 's branch financial adviser. No reason for the delay was given to me or their financial adviser at the branch other than this is the process. It is now over 15 days since I tried to deposit the check so I could pay contractors repairing my home. The check was sent to the corporate office. BofA never advised me to take out flood insurance, never paid any portion of the premium, never called me after the flood, never sent out anyone to inspect the damage. They have offered no help at all!! How do they get away with causing us more suffering and pain. Are they getting a kick back somehow by delaying payment? Congressman XXXX XXXX suggested I contact you for help. This is wrong for a bank to do this.
Product: Vehicle loan or lease

I have called the Ford Motor Co several times for a lien release statement. I provided documentation to them and the say the are sending the letter. Three times they stated it was mailed to my address, but it was never received. This documentation is required for an affidavit for collection on an estate in NC, as required by law. The time allotted for the collections has now expired and I am facing criminal processing due to the delay.
Product: Checking or savings account

On Friday XX/XX/year> I noticed multiple transactions on my wellls Fargo online account which I did not make and reported them promptly. 

2 claims were made for these transactions. 

Claim # XXXX for {$550.00} And claim # XXXX for {$170.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the numerous unsuccessful attempts to correct the late open accounts that are inaccurately reflected in my credit file. Despite my continuous efforts to rectify this matter, the corrections have not been implemented, causing significant distress and impacting my financial standing. 

I initiated the process to address the late open accounts on my credit report by submitting disputes through your online dispute resolution system. Despite these multiple attempts, the corrections have not been made, and the inaccurate information continues to adversely affect my creditworthiness. 

The presence of these late open accounts has had severe consequences on my ability to secure favorable interest rates, obtain credit, and engage in various financial transactions. I have diligently followed the established procedures, including contacting your customer service department on numerous occasions, yet the promised corrections have not been made. 

I understand the importance of maintaining accurate and reliable credit information, and I am committed to ensuring the integrity of my credit file. However, the persistent challenges in correcting the inaccuracies have left me frustrated and concerned about the impact on my financial well-being. 

In light of the above, I am requesting an immediate and comprehensive review of my case. I expect a thorough investigation into the late open accounts on my credit file and the prompt correction of any inaccuracies found. Additionally, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Opened XXXX XXXX, XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$23000.00}.
Product: Credit reporting or other personal consumer reports

I have not supplied under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  Balance {$25000.00}, XXXX XXXXXXXX XXXX  Balance {$1200.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX {$650.00XXXX XXXX XXXXXXXX balance {$9200.00}, XXXXXXXX XXXX balance {$12000.00}, XXXX XXXX balance {$33000.00}, XXXX Dept of Ed balance {$11000.00}.
Product: Debt collection

MIDWEST RECOVERY SYSTEMS placed a collection account in my XXXX credit file. I do NOT owe them nor anyone they claim to represent any money!