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

This is about the Consumer Credit Transaction XX/XX/2015 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information.

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my Consumer Report XXXX XXXX XXXX  If you accept my request, I will not escalate this matter to a Federal complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX
Product: Student loan

I have been receiving calls a few times a week from Mohela student loans. They have some how broke in to my phone contacts and show up as a contact of mine called XXXX XXXX. This is i ; ; egal to make constant calls to me and ileegally using a contact name on my phone. I want to know how they broke into my phone?? Today I did not answer and allowed them to leave a message. I am only if anything a month behind and that is because they sent me something saying if I filled it out they will let me go two months without paying. I tried to go to their site to get my loan adjusted to my salary and their site is n't working. 
This is harrassment and illegal tactics breaking into my phone contact names.
Product: Credit card or prepaid card

On XX/XX/2020 Capital One Acknowledged receipt of my request to close my general credit card account. Unfortunately, despite repeated requests, they have refused to provide me with billing statements that itemize transactions and payments.
Product: Credit reporting or other personal consumer reports

I requested a copy of the supposed original binding contract with my signature for comparison. I never received that just a statement with addresses that I don't reside nor have I ever resided. I do not have a legal contract with the company responding to cfbp inquiries nor lvn funding. Can you provide the original contract with my signature on it to verify this supposed debt? If not I demand this account to be deleted and removed immediately.
Product: Debt collection

XX/XX/XXXX and again on XX/XX/XXXX I request under California Ci val Code # 2943, that the servicer Nelnet provide within 21 days : a ) Certified copy of the Promissory note ( the original student loan ) with any modifiactions there to, including all endorsements, allonges or other indicia of transfers and negotiations since the note was signed ; b ) Certified copy of the recorded loan with any modifications thereto, including all other indicia of assignments of beneficial interest ; c ) Claimed unpaid balance of the loan ( full accounting from loan inclination to date of demand including but not limited to interest rate charge dates and changed rate - i.e. amortization table format ) ; d ) Claimed amounts paid ( indica of consideration ) for transfers of beneficial interest and dates of those paid amounts ( " for value received '' ), admissible evidence of an actual transaction ; e ) Current variable interest rate of teh loan along with history of changes thereto and thereof : f ) The end of the term of the loan ; What I received on XX/XX/XXXX was an account summary for XXXX XXXX prepared XX/XX/XXXX with a start date of XX/XX/XXXX ( not XX/XX/XXXX ) for loan # 1 with a principal balance of {$5500.00} and loan # 2 with a principal balance of {$3500.00}. I can not reconcile all my loan payments since inception and if they were applied correctly.Most interesting and alarming is that in the servicer 's response was a 1 page Application and Promissory Note ( not in my hand writing -very unusual ) date stamped XX/XX/XXXX and page 2 with my signature dated XX/XX/XXXX which looks like it maybe part of a Promissory Note. Question HOW DOES A LOAN GET FUNDED PRIOR TO AN APPLICATION BEING SUBMITTED AND APPROVED??????? This is what alerted me to potential fraud and that servicer has no standing or pretend lender has no standing in the alleged note. I therefore made 2 demands to Nelnet to refund the amount paid to Nelnet on loan # 1 {$6600.00} and loan # 2 {$4200.00}.
Product: Debt collection

XX/XX/2019 a charge for a private ambulance was opened on my credit report due to a car accident and being rushed to the hospital. I had medical insurance and I did not request or been asked to ride in a private ambulance at the time. I called the company which refuses to remove the collection. The company has very rude workers who speaks to you disrespectfully.
Product: Credit reporting or other personal consumer reports

My federally protected rights have been violated by Experian credit reporting agency. 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. I told Experian, XXXX XXXX and XXXX to investigate this account. XXXX XXXX XXXX that starts with XXXX. According to 15 USC 1681. Section 602A states that I have the right to privacy, Also 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnace an account without my written instructions Also 15 USC 1681C section ( 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 conviction of crimes, which antedates the report by more than seven years. 15 USC 1681S-2 ( A ) ( 1 ) A persons shall not furnish any information relating to consumer to any consumer report an agency, if the person knows or has reasonable calls to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

An account recently appeared on my credit report with Mohela/Dept of Ed as a creditor for a loan opened XX/XX/XXXX for an original balance of {$5500.00} and a current balance of {$5600.00}, originally reflecting the status as in forbearance. I do not have any student loans currently and was not in school at the time the record shows the loan was opened. It also reflects a payment made as recently as XX/XX/XXXX. 

I contacted Mohela directly on two occasions and they were unable to locate any account with my social security number. I also filed a credit dispute with XXXX. The response provide validated the debt but corrected other information, specifically removing the forbearance.
Product: Prepaid card

Attempted multiple online transactions with AMEX gift card, following the instructions provided by AMEX for online use. 

Gift card had sufficient funds for each transaction. 

All transactions would not process. 

I contacted AMEX and was told that I could not use the gift card for purchases on XXXX. I asked for any vendor where I could use the gift card and was told that they could not provide me with any vendor names. Their recommendation was to just keep trying to use the gift card at different retailers to " see what worked ''.
Product: Debt collection

I got a car through Westalake financial Institution back in XXXX I believe. The car broke down in XXXX, or XXXX. I was sued a few years ago by Westlake the amount was over XXXX that I owed. I hired an Attorney about 3- 4 years ago, for my case. As of XX/XX/XXXX I won my case. I have documentation as well. I am still seeing Westlake on my credit report. They also have it as a repoession. I called and got the run around. I finally spoke with someone that they reported my credit too. I am not sure of the name of the debit company, I do have a phone number to the company. He informed me that either Im going to get sued again, or they might try and sue. Even though I won my case against them. He had act as though I was in the wrong and I had no idea what I was talking about. I file a dispute with XXXX. They informed me that the amount Westlake Financial orginally put went down but, still shows as a reposession and on all 3 credit bureaus and report.
Product: Debt collection

My daughter has a collection agency that has garnished her account and that of her minor son. My grandson 's account was opened by me and all monies have come from me not her. She was put on the account along with me when he was an infant. I thought I had removed her but can not find any supporting documentation to prove this. On XXXX XXXX, 2017 the collection agency stripped his account of almost {$2800.00}. My daughter is XXXX and has XXXX. Pay Pal gave her a credit card even though she had n't had a job in over 10 years and was on public assistance and food stamps. They gave her a {$5000.00} limit. I believe this is predatory lending. She has no clue about finances and I was unaware of what had transpired. I do n't believe my grandson should have his money taken away.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  - XXXX & account XXXX - is currently reporting on my credit report recently. These accounts were paid a long time ago and they were sent to collection in error. I have never received anything from them or the bureaus regarding my disputes.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( XXXX ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) -I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX- {$230.00}
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX  XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} LA XXXX XXXX Balance Owed : {$0.00} LA XXXX XXXX Balace Owed : {$11000.00}
Product: Checking or savings account

They froze my account pending closure and completion of their investigation for a unnamed violation after depositing a {$19000.00} on XX/XX/year>. I made four transactions when {$2000.00} was made available on XXXX XXXX the rest of my funds were frozen on the next day without explanation. I was told that the investigation would take 4 days and it is now been almost 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised cc from different companies where used too obtain XXXX in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I contacted Cardinal mortgage company regarding the status of an ongoing reanalysis of my escrow account that had taken nearly 45 day to correct. I was concerned about the delay because the payment might be reported late if not correct by the end of XXXX. I was assured by the company the payment would not be reported late if the matter was not resolved before XXXX. The matter was not resolved until XX/XX/XXXX. Cardinal reported the payment late and did not honor their words. The rep stated thr he would have it he late payment removed. I have a receipt to attest to this. It was not removed and remains. I have contacted Cardinal and the credit bureaus and it has not been removed or resolved despite proof. It has impacted my ability to get the best rate for a new home purchase. I have been trying to resolve this since XX/XX/XXXX. They will not correct the issues.
Product: Checking or savings account

At around XXXX pm on XX/XX/2023 I attempted to deposit roughly {$130.00} in cash at a XXXX XXXX XXXX XXXX XXXX XXXX  ) ATM located inside the branch at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX 

I attempted to deposit at least XXXX {$50.00} bill, XXXX {$20.00} bills, XXXX {$5.00} bill and XXXX {$1.00} bills, but I do not know the exact amount deposited. 

I inserted my XXXX XXXX XXXX XXXX XXXX debit card, selected that I would like a receipt, selected my savings account, and inserted my cash into the machine. 

The machine began processing my transaction but stopped and displayed a message that my transaction had been cancelled. At this point the ATM returned my debit card and return some, but not all, of my cash. The bills returned were XXXX {$20.00}, XXXX {$5.00}, and XXXX {$1.00} bills. Although I did not count the cash in full before attempting my deposit, I am certain that I am missing XXXX {$20.00} bills that I had withdrawn minutes earlier from a Visa cash card using the Bank XXXX XXXX ATM across XXXX XXXX. I also had a {$50.00} from my grandparents for my birthday on XX/XX/XXXX. The machine did not print a receipt. 

I entered the branch and spoke with a representative. They told me that since I had used a non-BECU debit card they would be unable to review my transaction history and I would have to call XXXX, which I did. XXXX notified me that they would complete an investigation and that I would hear from them with the results of that investigation. 

On XX/XX/2023, XXXX notified me that their investigation had found no evidence that I used the ATM in question. I again called XXXX, but they referred me again to my bank. I requested that they pull any security footage from the ATM to prove that I attempted a transaction there, but I have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I noticed errors on my credit report. I reached out to the credit bureaus and the companies listed but I have not been able to get any help. I have been trying to get this issue solved for month after month but I have been completely ignored by all parties involved. There are several accounts reporting illegally to my credit profile. I am very upset about this matter and it is very damaging to my character and credit profile. I am very upset and I hope that you can be of assistance to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX are all reporting illegally to my credit profile and my rights under the FCRA have been violated. 

1.15 USC 6801 ( a ) Privacy Obligation Policy : I have the right to privacy.

2. 15USC 1681 ( q ) : Obtaining Information Under False Pretenses : My written consent was not given to have this information placed on my credit report. Therefore, since my written permission was not given ALL of this information was obtained under false pretenses.

3. 18 USC 1028 ( a ) : Aggravated Identity Theft : My written permission was not given therefore these accounts fall under identity theft.

4. 15 USC 1681 c-2 : Block of Information Resulting from Identity theft. 
All these accounts should be removed immediately because they are a result of identity theft.
Product: Debt collection

Company is collecting a debt that doesnt belong to me and refuses ro stop calling and now has reported me to my credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am filing a complaint against Equifax credit bureau, for reporting inaccurate & erroneous information in my credit reports & files. I have tried numerous times to resolve these issues to no avail. In some instances they have agreed to remove inaccurate, erroneous, and outdated information such as the fraud statements and misspelled names and bad addresses and bogus employers, I never worked for. My most recent request to remove the bogus information was XXXX and XXXX of this year. The erroneous information is still in my file although they said it was removed. 

I am also filing the complaint against XXXX the the same erroneous Public Records information which was not verified and should be deleted permanently. they claim was verified XXXX, but wasn't see attached Opt out letters dated before that date. 

Also the inaccurate employnent American verified XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I'm requesting prompt action to remove the unauthorized inquiries from my credit report. These were done without my permission and are causing me distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Consumer Center, provided incorrect information to XXXX XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX XXXX that states LexisNexis is not able to correct or otherwise alter the information contained on a credit bureau 's report but it can facilitate the dispute of information that is accurate, incomplete or out of date. Reference # : XXXX LexisNexis willfully violates the FCRA. By not reporting accurate information on reports it supplies to Companies. Due to the reporting of inaccurate information my XXXX XXXX was doubled by XXXX.
Product: Money transfer, virtual currency, or money service

Wont release my deposit or any credit and weeks of hold from suppliers to be a 4 day hold
Product: Credit reporting or other personal consumer reports

The numerous unauthorized inquiries that are shown on my file are concerning. Recently, I attempted to acquire a checking account at the nearby XXXX XXXX XXXX XXXX branch. I was surprised to see that the bank had refused my application because of an inaccurate Early Warnings report. I'd appreciate a prompt answer, and I ask that you dispute and update my credit record with all of the fraudulent inquiries deleted. Thank you.
Product: Credit reporting

I have recently been informed that there is negative information reported by Equifax, for a " Bankruptcy. ''. I sent XXXX, ( who Equifax reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Equifax received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. Equifax did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.
Product: Vehicle loan or lease

I received a correspondence from Credit Acceptance, it had an attachment ( attached ) with what looks like a contract with my vehicle, name, address, but a digital signature. On XX/XX/2018, i signed with my hand a contract with XXXX XXXX XXXX XXXX  XXXX. At no point on or after that date did I ever engage in a digital contract signing with XXXX XXXX XXXX XXXX XXXX or Credit Acceptance. This is clearly a forged document by credit acceptance and fraud, pursuant to Florida statutes 817.034, 18 USC 47, fraud can be punishable by 20 to 30 years in prison and or {$250000.00} fine for each instance which could be proven by each time my signature was put on there plus each time my initials were placed on there by frivolous pretenses, Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not minded accounts. No knowledge account. 



DEPT OF ED / XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXXXXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX  ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. 

XXXX XXXXXXXX XXXX XXXX ACCT # XXXX The account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
Product: Debt collection

Sent a letter of validation with return receipt requested. They received the letter on XX/XX/2022. They did not respond within the 30 days allowed. Therefore, it must be removed from my credit report. They now have reopened two closed accounts.