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

In accordance with the fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, has violated my rights.15U.S.C.1681 section 602 A. state I have the right to privacy. 15U.S.C 1681 section 604 A Section2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Approx XX/XX/17 is when this started. XXXX would call 10-15 times a day. in XX/XX/2017 I stated getting calls from Weiss and associates at my place of employment. In XXXX when I returned to work after the break there was 10 messages. I called them back they threatened criminal  charges if I did not provide them a checking debit card to make payment arrangements. I asked them to send it in writing and told them I wasn't going to provide my debit card information. They said it was that or a prepaid debit card but that was my only option. They continue to call daily and block their number so it appears as unknown.
Product: Mortgage

PREVIOUS COMPLAINT : XXXX SUBMITTED ON XX/XX/2019 Our present offer of a price at {$290000.00} that does not request seller concessions is beyond reasonable and shouldnt be declined when your own BPO value is less and values the property at {$280000.00}. CFPB has regulations in place to enforce servicers/investor to allow foreclosure alternatives such as short sale when a fair market value offer is presented. 

When we submitted the current buyers original offer of {$290000.00} which included a request for 3 % seller concessions ( closing costs ) and you said the 3 % they requested wouldnt be approval so in return they removed their closing costs request and because of that reduced the offer amount as they are not willing to pay so much above the market value when having to pay so much out of pocket in addition. 

I have attached the offer and supporting documents again to the reply. I ask that you PLEASE SUBMIT and encourage approval. Our present offer of a price at {$290000.00} that does not request seller concessions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency is reporting fraudulent information on my credit report. 
The credit agency removed a fraudulent address from my report. 
( FRAUD ADDRESS- XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) ( Correct Address - XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX ) Accounts associated with FRAUDULENT address : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/XXXX
Product: Student loan

XXXX XXXX XXXX THE FIRM PREVIOUSLY known as XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, CA XXXX For the past 6-9mos I have made numerous call and send email to to the student email and and phone number to However I have not gotten any response response XXXX nor have i gotten an confirmation email or phone confirmation when I send information I finally spoke some in loans servicing who was kind enough to give her email so we could correspondence.. 

I show that you were my Student Loan Lender and Servicer during the XXXX until 2003 when consolidation occurred. 
I would like to know the following : 1. The reason for the consolidation in 2003 as the consolidation was your suggestion. 
Its my understanding that XXXX XXXX is the lender of record and XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the Guarantor, Loan Servicing was transferred to XXXX XXXX XXXX ( XXXX ) in 2003, American Education Services ( AES ) is the current Loan Services. 
The 2003 Consolidated Promissory Note list Student loan Consolidation Center as the Guarantor /Lender and 3 different lenders as follows : a. XXXX @ {$41000.00} XXXX XXXX @ {$20000.00} - ( can you please tell me who the lender is as I dont recognize the name ) XXXX XXXX XXXX @ {$7800.00} Please note that I was instructed to list the above lenders and amounts by you and or the consolidator who received said information from you Im requesting to know how many loans are encompassed under each lender and the following information for each individual loan. 
1 ) Original Lender 2 ) Type of Loan ( Private or other please indicate ) 3 ) Disbursement Date 4 ) Disbursement amt 5 ) Original Int Rate 6 ) Guarantor 7 ) Consolidating ( CNSLD ) Lender 8 ) CNSLD Date 9 ) Reason for CNSLD The information should be completed on the attached XXXX XXXX. 

Please be advised that AES and XXXX XXXX dont have any of the supporting loans documents or information supporting the 2003 consolidation numbers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX RE : Application Fee for XXXX XXXX XXXX {$250.00} On XX/XX/year>, I paid an application fee in the amount of {$250.00}, for the purposes of my son XXXX XXXX XXXX interest in renting an apartment from XXXX XXXX XXXX. 
During the processing of the application, I was listed as a co-signer. During the process, I called to get status and was told that you must have at least XXXX or higher score to rent from XXXX. 

I was not made aware of the XXXX score although my son was handling the application process, that perfectly fine. However, XXXX was led to believe that he would get the {$250.00} Back If he didnt get the apartment. He was then told something different after and so I disputed the transaction with Bank XXXX XXXX. 

During the dispute process with XXXX XXXX XXXXXXXX, XXXX XXXX was able to submit information for applying and if denied no refund will be given. I never received a denial letter stating that my credit was denied instead, the XXXX score was my denial. 

I received several collection letters in the mail stating that I owed the application fee. I even called and emailed the XXXX XXXX  XXXX letter to XXXX XXXX informing them that the fee was paid. After speaking with XXXX XXXX XXXX from National Credit Systems Inc, I was told that the fee was not paid, and its been well over sixty days that this fee in question will appear on my credit report. 

This is foul, deliberate and downright vicious on XXXX XXXX / XXXX and National Credit Systems, that this paid application fee was place on my credit report. 


Im still waiting on the management to give me a call regarding this from XX/XX/year> Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I requested full verification of this account. Prior to me receiving this info i got an alert from my credit monitoring company that my payment history for Exeter was updated. Upon looking at my payment history I realized some months that were reporting 90 days late were updated to 60 days late and some of the payments that was reporting 60 days late was updated to 30 days late for the year of XXXX. Ive called several times about this matter. On today XX/XX/XXXX. I received a call for a XXXX XXXX who stated that he was the manager for the complaint department at Exeter. We spoke about some other concerns I had about my account. I then told XXXX XXXX about the issue with my payment history. XXXX XXXX then stated ( on a recorded call ) that when i request information about my account the credit bureaus sends Exeter a notice asking them to review the information in the account to make sure its accurate. XXXX XXXX then stated that if they find anything wrong they will correct it. This is violation under the Fair Credit Reporting Act ( FCRA )
Product: Checking or savings account

on XX/XX/XXXX, I physically presented my passport which is already on file with Regions since XXXX. Upon to reporting to the bank, i requested to open a savings account to be attache to my existing checking account. XXXX XXXX, regions banker was provided my US Passport for identification which was immediately refused as she stated she knows me as a long-time customer so no need to take my passport. At that moment, XXXX requested my social security number and have be verified my ATM Pin Number and begin to process to open the savings account which was finalized. Accordingly, {$1700.00} was transferred from the checking to new savings account. 
To date, XXXX XXXX failed to document the details on account which causes several overdraft fees on my checking account due to inability to transfer my funds from the savings account to the checking. I have had several issues with regions bank due to the negligence and poor customer service. I was told I i cant use my account on XX/XX/XXXX and I will continue to assess fees. The other Agent K of Regions told me that a US Passport is not valid to open savings accounts and that my UNEXPIRED Passport is on file is not accepted for avoid fraud or risk and that it does not matter if am a customer since XXXX with the same passport. I am so so stressed which triggers my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am must now alleged that am denied equal opportunity and being treated prejudiced. I will forward my complaint also to the comptroller 's office. 
this history with XXXX XXXX to be doing a poor job is becoming chronic as this is the 2nd time she has failed to do her job effectively and only caused me stress and XXXX
Product: Mortgage

The state of XXXX  is requiring me to pay taxes on my home I purchased XX/XX/XXXX even though Im tax exempt as a 100 % XXXX XXXX veteran since XX/XX/XXXX. Nearly {XXXX} tax bill I dont have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) is an online service that provides free credit reports, tax preparation services, and offers for credit cards and mortgage financing. Among their partners are the credit bureaus XXXX and Experian. 

My credit reports are frozen at XXXX and Experian, as well as at XXXX. Yet XXXX XXXX has sent me messages about my credit card payments and usage, mortgage balance, and other information that should be soundly locked inside the credit bureaus. 

XXXX XXXX is not authorized by me to access my credit information. XXXX and Experian are not authorized by me to share my credit information. So either XXXX XXXX is obtaining the information illegally or XXXX and Experian are violating the credit freeze and my privacy by providing my credit activity to XXXX XXXX. 

If this is being done to me, it is almost certainly being done to others, exposing my data to a third party and, potentially, to bad actors who might hack into their servers. This is a violation of consumer protections, undermines the purpose of credit freezes, and deserves immediate attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. 

I contacted Experian 6 times about my credit report and they have done nothing.
Product: Student loan

The loan agency incorrectly capitalized my loan and the agent of the lender confirmed this error when Called and complained about the statement they sent back around about XX/XX/XXXX I requested that the balance be recalculated and I have been call but they have failed to act till the end of the year now. Prior to this time the lender has made every effort to encumber me from the easy refinancing of the loans even when I had great credit score and became a permanent resident. When the interest rates where going to be changed I called to refinance but the agent delayed me and made me call back the next week for no reason and I lost the low interest rates, plus they refused to even approve every single time. There was a time in XXXX that one of the agent gave me wrong information that I had no repayment hold remedies, causing me so much distress until upon other calls another agent gave the right information. I need to be able to have their cooperation in not inflating the rates. I have commenced the required arbitration proceeding as contracted - The XXXX limit prevents me from attaching a copy of the proceeding.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Santander consumer USA regarding my car loan, which I recently paid off. Despite fulfilling my payment obligations, I made an additional payment by mistake and have not received the refund for this amount. 
Upon contacting XXXX customer service, I was informed that the refund check is considered lost in the mail and there is speculation that it may have been stolen. I was told that once the check is cashed, Santander would not be responsible for any losses incurred, which I find unacceptable. 
Additionally, I have faced numerous challenges attempting to resolve this issue due to poor customer service. My calls to the bank often go unanswered and the online chat feature routinely disconnects after being on hold for XXXX minutes. This has made it exceedingly difficult to follow up on my case or to receive any clear information. 
As there is no reference number associated with my claim, I feel that my situation is being neglected without any avenue for proper resolution. I am very frustrated with the lack of responses and resolution from Santander Bank regarding my funds. 
I kindly request that the CFPB investigate this matter to ensure that consumers like myself are treated fairly and that our concerns are addressed promptly. 
Thank you for your assistance in this matter, and I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Report and found XXXX/XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XX/XX/XXXX I wrote XXXX/XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX/XXXX received the certified letter on the date of XX/XX/XXXX. 
XXXX/XXXX responded on the date of XX/XX/XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX, Equifax, XXXX and XXXX. And further state that they can not delete or modify the status as it reported. 
XXXX/XXXX sent another letter in response to the first letter. XXXX/XXXX  also states that the account in question was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX/XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XX/XX/XXXX I wrote another certified letter to XXXX/XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX/XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 
OnXX/XX/XXXX I pulled my credit report to find out if XXXX/XXXX had marked my credit report as disputed. And found that XXXX/XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX/XXXX on that date ofXX/XX/XXXX notifying XXXX/XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by XXXX law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for onXX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX/XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX/XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX/XXXX has failed to respond to the certified letters I have sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know what to put here. I have never had a payday loan. I have never even heard of this bank. The personal info I saw listed is a mish mash of real names and places that relate to me personally and then a bunch of nonsense. I feel like the credit bureaus have my real info why isnt that used to fact check or authenticate the error. 

????
Product: Debt collection

my name is  XXXX   XXXX  and I saw that real time solutioins was on my credit I have never gotten anything in the mail saying that I owed them so I looked into it it was a company check and go I had paid them in    2014  because I had a  XXXX  so I called all of the credit bureus and I told them to disputed them because I paid them I even went to the company and my name was not in the system any more so I called real time because they sent something to the credit bureus saying its was mine but I do n't they were very nasty arguing with me I even stated I will get a lawyer but I know I paid them and I was just trying to get them to listening to me but they would n't
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. XXXX XXXX misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

Company : XXXX XXXX ( Puerto Rico ) been calling me for over a month asking for XXXX XXXX ( debt collection ) I've trying to explain them that I don't know this person in numerous times but they still keep calling me and leaving voicemails everyday.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unauthorized accounts and inquiries on my credit report under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Upon reviewing my credit report on XXXX XXXX, XXXX, I discovered multiple inaccurate or fraudulent accounts and inquiries that I did not authorize. 

The following accounts and inquiries must be removed immediately as they violate my federally protected consumer rights to privacy and accuracy under 15 U.S.C. 1681 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - ADDRESS : XXXX XXXX FL XXXX - XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX FL XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX - EMPLOYERS : XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in credit reports. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), if an item is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected promptly. Furthermore, under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they know or should know to be inaccurate.

I request an immediate reinvestigation into these matters. If you find that the disputed items can not be verified, they must be removed from my credit report as required by law. 

Enclosures : - A copy of my credit report with the disputed items highlighted - A copy of my government-issued ID and proof of address - Any supporting documentation to validate my dispute Please confirm in writing that these items have been removed or corrected. If you do not resolve this matter within 30 days I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 

Thank you for your prompt attention to this serious matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Immediate Deletion of Unauthorized Inquiries Dear Equifax Dispute Department, I am writing to formally dispute multiple unauthorized inquiries listed on my credit report. Upon reviewing my credit file, I identified the following inquiries that were made without my consent or authorization. After contacting the companies in question, they have been unable to provide verifiable proof that I initiated these inquiries or gave explicit written consent for them. 

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have negatively impacted my credit score and are unjustly listed in my report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a consumer report may only be accessed under permissible purposes, which include transactions initiated by the consumer. Since no such transaction was authorized by me, these inquiries are unlawful and must be removed immediately. 

Furthermore, under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are legally required to verify the legitimacy of each and every inquiry appearing on my credit report by providing tangible, verifiable proof of authorization, such as a signed contract or agreement.

If Equifax can not provide such documentation, you are legally obligated under Section 1681i Paragraph ( 5 ) to delete the unverifiable information promptly. 
Request for Immediate Action : 1. Immediately delete the unauthorized inquiries from my credit report.

2. Provide verifiable proof of authorization for each of the above inquiries if you choose not to remove them.

3. Provide written confirmation of the removal of these inquiries or the supporting documentation verifying their legitimacy within the time frame required by law.

Failure to comply with my request will result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office for violations of the Fair Credit Reporting Act. 
I expect a prompt resolution to this matter and look forward to your written response confirming the deletion of these inquiries. Thank you for your immediate attention to this issue