23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : 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  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. 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 or other personal consumer reports

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 XXXX XXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

Gm financial repossed vehicle that was not behind on payments. SOLD THE VEHICLE ABD REPORTED BALANCE ON NY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me as i am a helpless consumer and after this i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and ss card to show who i am Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$940.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$930.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$330.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XXXX XXXX Account Balance : {$2600.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

This report serves as a formal complaint that XXXX XXXX XXXX is knowing and willingly reporting inaccurate and incomplete information on my consumer report. Pursuant 15 USC 1681a : Definitions ; rules of construction ( 2 ) Exclusions -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant to15 USC 1666b : Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The notation of the reported late payments is inaccurate. This company did not do a full investigation on the matter and sent me incriminating evidence that further proves that said bank have violated my consumer rights and broken several federal laws. I requested to see all transactions and statements from XXXX XXXX XXXX  and they provided me with false and inaccurate information that is being reported differently within the credit bureaus. The information that was provided to me is not what is being reported. The bank did not verify these items and report them with accuracy. Experian is being reported as not more than XXXX payments as late. XXXX is reporting 60 days late for XXXX XXXX, 90 days late for XX/XX/2021, and 90 days late for XX/XX/2021. When in fact, if I did allegedly make a late payment, I could not have been 60 days late, when the reported delinquent date started in XX/XX/2021. That is inaccurate. XXXX is reporting as 30 days late in XXXX, 60 days late in XXXX, and XXXX days late in XXXX, if I did allegedly pay late, it should have been reported as 90 days late. I have uploaded proof of the inaccuracies. XXXX XXXX XXXX sent a letter stating that the account is 80 days due, and that is not what is being reported on my consumer report. The statement that the company sent me in the mail specifically states that I have XXXX late payments being reported and I also uploaded proof of said statement. Also I never received a 1099C form so that I may file the proper documents with the IRS. I have also contacted the Internal Revenu Service in reference to this account. This bank is now subject to civil because they fail to comply with federal laws.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : NAVY FEDERAL CREDIT UNION Address : XXXX XXXX XXXX Account # : XXXX Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

My XXXX, it was breached a line across multiple platforms and Ive tried to dispute multiple things on all three credit reports, and they tell me that they are not going to delete any of my information and due to the law XXXX XXXX rights to privacy. These things are not mine. I have disputed and disputed and nothing comes of it. I need these items deleted off my credit report. There are multiple credit inquiries not mine and charge offs and what not. We need to take care of this asap please. Thank you.
Product: Credit card

I bought a new dishwasher from XXXX over the phone using my Chase card. Chase flagged the charge as fraudulent, declined the charge, and suspended my card, but did not attempt to contact me until hours later when they sent me a text message asking if the charge was fraudulent, and then a follow up ( after I responded that it was legitimate ) saying that they had declined the charge and I should contact the merchant. At no time was I informed that my card was suspended until I actually called Chase to discuss the charge declination. And at no point before declining the charge and suspending my card did Chase try to contact me to determine if the charge was legitimate. When I called Chase, they were unable to explain why any of this had occurred, and actually tried to deny that it had happened. To be 100 % clear, there was no fraudulent transaction here. This is a dangerous practice that harms consumers, who depend on the assumption that if their credit line is sufficient, they 'll be able to buy things. What is the point of having a credit card that can decline charges randomly, on no basis, with no notice?
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccuracies on my credit report. However, there are still several items that need to be corrected. This is my second complaint regarding incorrect credit reporting, and I am disputing specific items on my report due to identity theft. The items in question are not associated with any purchases, services, or financial transactions I have authorized. Please remove the following erroneous entries from my credit file : XXXX : XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- XXXX : XXXX XXXX XXXX Open Date : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. These entries are unfamiliar to me. Additionally, the information provided on some items has been removed by other credit bureaus, raising doubts about their accuracy. The reported payment history on these accounts is also inexplicable to me. Under FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I request a fair resolution.
Product: Debt collection

Since XXXX XXXX XXXX has been attempting to collect {$620.00} on an account I closed over 7 years ago with Capital One with a XXXX balance. The card was a secured card and the deposit was used to close out the account. In XX/XX/XXXX I expressed my frustration with the original creditor, Capital One, and they agreed with me and gave me a new credit card account! For the past 4 years, however, I have repeatedly disputed the previous account with XXXX XXXX and they have not been able to provide me with substantial docs necessary to substantiate the debt. 

On XX/XX/XXXX I filed a formal complaint with the IL XXXX XXXX XXXX XXXX regarding this matter. I was told that per law XXXX XXXX is to provide the following docs to me in writing. 

1. Original Contract between me and Capital One 2. Payoff disclosure provided at the time I opened the account 3. Interest rate disclosure 4. Balance history 5. Payment history 6. Credit insurance disclosure I have requested these items from XXXX XXXX and they have refused to provide them. I demand that PER LAW they either provide these docs or delete this account from my credit report.
Product: Debt collection

they told me i have two years to pay they never contact me last thing i heard my name is an collection .the collection people called i tried to make an agreement they refuse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

- Date opened has two different dates - date active has two different dates
Product: Vehicle loan or lease

Lexus Financial Services approved me for a purchase of a vehicle but when the determination that the vehicle was damaged I switched to a lease. The lease payment was for 36 months and the dealer declined the lease. I was not provided a official reason for the decline of the lease. I believe this was a bait and switch and XXXX  type of situation but I want to obtain the reason for the loan to be approved and the lease to be declined. I should be provided the reason and not simply sent to multiple departments for no reason for the decline. My belief is that they wanted to increase my payment which is illegal in the State of California and this information needs to be provided.
Product: Mortgage

We just refinanced and NewRez LLC has taken over our loan. They have not paid our property taxes that were due XX/XX/XXXX. It is now XX/XX/XXXX! 

It took 3 times to call them for them to even figure out they should be the ones to pay the taxes!! I have had to call 6 times and talk 2 two different supervisors while being on 45 minute holds or told a supervisor isn't available. My property is being put up for a tax sale and the taxes are due on the XXXX. They knew this urgency and sent the money via USPS without tracking, instead of XXXX overnight. I have been told i would get confirmation they sent the payment. They see it in the notes and I was not notified. They just sent the check on the XXXX and my county has not received it. I ask for them to cancel the check and resend overnight via XXXX and they said they can't until the XXXX, which is when the payment is due.
Product: Credit card or prepaid card

I have a Citi Double Cash Card.  I received my last statement balance on XX/XX/22. On XX/XX/22, I made a change to my AutoPay settings, and received a confirmation of this change via email. I checked the website as well and the new settings were visible. On XX/XX/22, an AutoPay amount was withdrawn inconsistent with the AutoPay settings change. On XX/XX/22, I asked the customer support agent why the amount withdrawn was inconsistent with the settings I have in place. After 45 minutes, the support agent said " it takes XXXX billing cycle to get change effective. '' In my opinion the terms suggest the change is immediate : " I authorize Citibank, N.A., to initiate electronic payments from my chosen bank account, and I authorize my bank to honor the withdrawal. 

This authority is for the amount and dates indicated, and is to remain in effect until cancelled by Citibank, N.A., my payment account financial institution, or me. I can cancel AutoPay by calling customer service or by visiting autopay.citicards.com before XXXX ET on the day of my AutoPay payment. '' Nowhere in the AutoPay website or confirmation email does it suggest the change is only effective on the next billing cycle. I have not found any documentation of this other than the support agent 's word.
Product: Student loan

I have been paying on my student loans since mid XX/XX/XXXXand my balance has increased due to misallocated payments. I was also steered toward forbearance around XX/XX/XXXXinstead of toward a payment plan. I now have - balance of over {$110000.00} in student loans.
Product: Credit reporting or other personal consumer reports

I am formally disputing several credit inquiries that appear on my credit report. I do not recognize or authorize these inquiries, and I request that they be removed from my report immediately in accordance with the Fair Credit Reporting Act ( FCRA ) 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: Mortgage

On or about XX/XX/XXXX we reached out to Newrez because we had been told that when our XXXX ratio hit 80 % we could drop pmi. We were informed there was different criteria and we needed to hit 78 % XXXX. 

On our about XX/XX/XXXX we contacted new rez because we had XXXX appraisals done and proof of our property value being far beyond the 78 % XXXX. Didn't matter, we needed to submit a formal written request to have a XXXX assessment completed by their people. 

We immediately filled and sent back the form. 

On or about XX/XX/XXXX we called to follow up as we hadn't heard anything from newrez. They claim they never received our written request for the XXXX  to be done. So we faxed it to them. Also on XX/XX/XXXX we're told by a representative from new rez " there's an error on their end. We are at the 78 % loan to value and it should have been dropped from the amount due. '' She's going to try to fix it with the higher up people now. 

On or about XX/XX/XXXX we called to follow up, again we're told they never received our written request that we'd faxed to them and that our PMI was still unable to be dropped off. So this time we emailed it. 

On or about XX/XX/XXXX new rez said they still didn't have our letter approving them to do the XXXX XXXX to drop our appraisal '. I stayed in the phone with the rep until he confirmed that he received the form I emailed in AGAIN, and had him take {$150.00} payment via phone for the XXXX assessment to be completed. 

On or about XX/XX/XXXX we looked into our online portal and realized that newrez misappropriated the funds sent for the XXXX and put them towards our principle payment. They removed from principle and said they would be applied to the XXXX. 

On XX/XX/XXXX we were contacted by the third party person from XXXX XXXX saying newrez hired him to do our XXXX. he came out on XX/XX/XXXX. 

On XX/XX/XXXX we were told by newrez that they had all of our documentation needed for PMI removal *despite being at the acknowledged less than 78 % value for months now* and we were approved for PMI removal. That we would see it drop off on or before XX/XX/XXXX. 

XX/XX/XXXX, I contacted new rez to see where it was at in the process of having our PMI dropped off. The rep informed me I needed to make a request for an escrow analysis to be completed before they would and could look at dropping our PMI. they said that escrow analysis would not be completed until XX/XX/XXXX, at which point newrez can take up to 60 more days to complete the payment adjustment.
Product: Mortgage

I was on a trial payment for my mortgage with Select Portfolio Servicing ( SPS ) with a payment that consumed over 70 % of my income. I made the payments under durress and borrowed funds. Although it was known I was unable to make the trial payments, I did and then received an offer of an even higher payment for a balloon loan. REALLY? 
If the mortgage holder, SPS, was aware that the payments were unreasonable for me, why would there be an increase and an offer for a balloon payment? I complained that the payments were too high, based on my income, but there was nothing done to establish a payment that was reasonable and affordable. I have lived there for over 20 years, although I now owe more than I did originally and no one can explain why this is. I love the location and have done all I can to hold on to this property. Therefore, I have since moved out and am currently looking for a tenant who can pay the mortgage that I am unable to pay. I will not accept a balloon payment or a higher payment. This is utterly ridiculous. 
ALSO, I just checked my credit score and the biggest blemish I have is from SPS for late payments. I was unemployed, received assistance from Illinois XXXX XXXX, unemployed again and then began working part-time. I made all efforts to pay, even borrowing money I have since been unable to pay back. Now my credit is ruined and I will never be able to buy another piece of property. 

SPS does nothing to work with those in need, ruins credit, offers payment plans that are disadvantageous to consumers and establishes situations that only force owners into forclosure. Consumer BEWARE. I sincerely hope you will look into their lending practices and how they pray on those with hardships.
Product: Money transfer, virtual currency, or money service

PayPal hold my account for about months ( XXXX ) for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for month but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  these are the hard inquires that I have no knowledge of
Product: Student loan

Well I was enrolled in a bootcamp called XXXX back in XX/XX/XXXX for Data Analytics where if you complete the whole program you well land a high paying job within the tech field and you well pay the whole $ XXXX or more in tuition. I decided to research more about the company and they were negative reviews about the company coming from students on XXXX, XXXX, and XXXX stating that this school is a scam and provided false information about landing jobs it was misrepresentation in false information! I decided to dropped out because I was misrepresented by false information provided by XXXX. Because XXXX states if theres a misrepresentation then they will refund you the whole amount. I dropped out in XX/XX/XXXX and contacted XXXX for a full refund instead they are refusing me to provide me a refund and added me to the block list where they dont contact you. Majority of jobs in the tech field requires you to have a bachelors degree with many years of experience and XXXX lied about job outcomes! And XXXX partner for providing students loans is Launch Servicing they are threatening to take collection action against me.