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. 

XXXX : XXXX XXXX {$210.00}, XXXX XXXX : # XXXX {$200.00}, XXXX XXXX XXXX : # XXXX {$55.00} XXXX XXXX XXXX : # XXXX {$130.00}, XXXX XXXX : # XXXX {$1100.00}, XXXX XXXXXXXX XXXX XXXX ( XXXX ) # XXXX {$2900.00}, XXXX XXXX XXXX : ( XXXX  ) # XXXX {$1600.00} XXXX XXXX XXXX {$270.00}, XXXX : # XXXX {$1500.00}, XXXX XXXXXXXX XXXX : # XXXX {$1600.00}, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 card

What has happened to common sense and integrity? 

I have an XXXX miles card in my name opened in XXXX 2017, through Banco Polpular de Peurto RIco. 
-XXXX, 2017 the risk control department placed a restriction on the card and requested a copy of my passport and XXXX utility bills. I requested why and XXXX explained the IT tech department can not identify my address provided on original application ( XXXX Mi. XXXX. 
( This address does confirm on my credit reports as a current address ). XXXX lied, she deliberately provided me with false information. However, I want to stress it is not XXXX fault for lying, as this is the standard procedure of Popular Banco -The truth is ; a Risk Control employee believed my account was opened as a result of identity theft. The problem is ; Some employees ( particularly the ones with a low self- Esteem or insecurities do not like to admit they were wrong. 
Further facts : 1. A risk Control employee requested I answer numerous security questions to identify me. I answered approx.. XXXX correctly and without hesitation. 
2. The email used is my email, in my name and has been active for years 3. Banco Popular de Peurto Rico 's, risk control department decided to call an alternative phone number, I did NOT authorize and not provided on my application, therefore reached a family member who I do not get along with. This family member provided the Risk Control rep. with false information, but has never provided documents to support their identity. 
4. Alternately, I have provided every document requested and more not required for the purpose of clarifying this issue immediately. 
5. As of XXXX 2017 the restriction continued although all documents have been received weeks ago. 
THIS NEXT ISSUE IS VERY INTERESTING : 6. On XXXX 2017 I contacted the Risk Control department again. They placed me on hold for 20 minutes, a few minutes later the alternative number at my home rang, but this time I am home and watching my brother-in-law who would not answer it with me around for obvious reasons. The risk control rep. came back on after the lengthy hold, I figure I would play along to see how many more lies they tell. Like clock work, the lies began again. The Rep. said another risk control agent would get beck to me later that day. 
7. Therefore, I decided I have had enough and requested a cease and desist order. I informed the rep. all future dialogue was to be done through email, USPS, XXXX. So all facts going forward where clear. I also emailed them this request. ( attached ) Additionally, since Popular Banco de Peurto Rico believes this account is or could be the result of identity theft, why are they reporting it to the credit bureaus?
Product: Payday loan, title loan, or personal loan

I didn't get any information about garnishments before sending a letter to my prior employer for garnishment. I thought that the court handles garnishment and there is a third party XXXX XXXX  in AZ that inform the prior employer company to garnish the wages. I've tried to call them to make a payment plan but decline to talk to me they rather deal with employer that I don't work for
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, and fraudulent accounts have been opened in my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following accounts and bankruptcy entries from my credit report immediately, as they are not authorized by me : 1. XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$6100.00} 2. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 3. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 4. Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 5. Bankruptcy Case Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} 6. Bankruptcy Case NumbeXXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting

I 've called Transunion interactive department and annual credit report and explained to XXXX them that I 'm not able to access my Transunion report online each year and have to have copy mailed. I want to view my report online as I do with the other XXXX credit bureaus XXXX XXXX. I 'm able to view these credit reports online, but not Transunion and nobody has been able to help with this issue!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I enrolled in XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. They advertise, promise, and state that they provide supervised practicums and internships. This profession requires licensure in Alabama and in my home state of NM. Resources, practicum sites, and internship placements are provided for students in the home state but not for distance learning. I submitted a complaint and was told to write a formal letter to ask for an exception to policy and academic and financial forgiveness for one term. I did not agree with it, so I did not submit anything. I was informed the following day that the request was submitted on my behalf. They falsified and forged documents. I submitted another formal complaint and 150 documents and requested a full refund. I was offered four automatic degrees : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXXXXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX, which doesn't exist, and XXXX ) XXXX XXXX XXXX XXXX XXXX which requires courses in XXXX XXXX XXXX XXXX and more. I have not had any of those courses. I declined. State authorization has confirmed that the university is violation reciprocity agreements. They have escalated it to the state commission on higher education. Pleas note that the commission is responsible for approving programs in the first place and they are required to review programs twice a year. The program 's director was fired two weeks after I transferred out. The new director states on the school 's News page that the going rate for interpreter 's is $ XXXX. The data the university is reporting is also false. The data reflects there were XXXX students  and XXXX graduates. There were at least XXXX students  and only XXXX graduated. The graduated are not licensed or registered in the profession.
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and un fair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute regulation process was unfair and deceptive, XXXX they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and i see the appropriate redress for these violations.
Product: Student loan

I was with Navient and was on an automatic debit for $ XXXX/month. The terms then upped the amount to {$360.00}. When i called Navient, i said that in no way did i not want to pay my loans but due to my financial obligations, i could not afford {$360.00} per month. Although my income may state that i can afford this, i have a daughter in college and XXXX kids in daycare so the extra money makes me way too strapped. They put me on a temporary forebearance and now the payment is over {$400.00}, which i ca n't afford. I told them i want to pay this back but this is too much. They told me basically that it was too bad and either i pay it or default.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XX/XX/XXXX
Product: Credit reporting 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Payday loan

I have a payday loan and cant afford to pay it back and their going to garnish my wages.
Product: Money transfer, virtual currency, or money service

I previously filed a complaint and the company responded to you that they gave my money back. I have not received my money nor will they tell me where it is at besides the fact they will not give it back to me. 
This all started when my phone was stolen and someone logged into my cashapp account and changed all my information over to them. I alerted the company and they stated they closed the account. Clearly the account is not closed and this person is still using it. My stimulous check went into this account after they told me it was closed and they said they would combined my old account and new account at one point, then they retracted and said my request to access my funds was not approved. 
They still will not give me any info as to where my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Student loan

As holders of a spousal consolidation loan through XXXX we are unable to consolidate into a direct loan in order to receive XXXX XXXX XXXX XXXX. My husband and I are both XXXX who have paid well over 120 payments on our loans. This practice is burdensome and unfair. It punishes married public servants. Please change the direct loan requirement or enable those of us who have 120 payments to be forgiven without having to reconsolidate.
Product: Debt collection

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX  ) I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 


Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with Navient. This account number is the only account number that Navient has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XX/XX/XXXX through XX/XX/XXXX on the XXXX of each month. Navient is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. Navient responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the Navient website that shows the allocation of payments and the single account number issued by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been battling with XXXX XXXX XXXX  and XXXX XXXX XXXX regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity ( XXXX XXXX ) that the account was sold to I was told since they are not the company reporting the account that it is XXXX XXXX XXXX XXXX responsibility to fix the errors or delete the account. 
Furthermore after XXXX XXXX  XXXX made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information. 
XXXX XXXX XXXX is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX from the family of XXXX. I am a living man, coming with clean hands to state these herein facts without any influence from any third party or agency. He who comes into equity must come with clean hands.-Maxim of equity. XXXX scribing this for the benefit of the beneficiary of the created trust ( XXXX ) XXXX XXXX XXXX & XXXX XXXX XXXX XXXX ( Equity wiLl not suffer a wrong to be without a remedy.-Maxim of Equity ). Now knowing where I stand Im invoking such is law It is ignorance of the law when we do not know our own rights.XXXX XXXXXXXX XXXX XXXXXXXX. Not once do I recall the bank who claims are the creditor ever having consent from the XXXX to even have dealings with me. How could I know if the said arrangement was INJURIOUS to the XXXX? The companies ( EXPERIAN XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ) have taken the liberty of reporting wrongs & requesting payment for something thats been discharged per the INTERNAL REVENUE SERVICE ( Equity acts in personam-Maxim of Equity ). See attachment supplied so with that being said justice has to be served XXXX follows the law.- XXXX of XXXX.
Product: Credit reporting 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 U.S.C. 1681 XXXX XXXX XXXX XXXXXXXX account number XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 annotates the report by more than 7 years.

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

on XX/XX/2019 I submitted my loan modification package to OCWEN and they refused to help me. I resubmitted my loan modification package again on XX/XX/2019. After that I received a letter indication my loan was transferred to PHH Mortgage. On XX/XX/2019 I resubmitted my case by email and uploading my documents on the website that indicated the notice of lender transfer letter. I have received an email requesting more documents that I have submitted. After that I have received the foreclosure notice. 
Reviewed the website and nobody reviewed the documents submitted. The law office sent by email my package and the indicated that they will not review it due the proximity of the foreclosure sale date. 
Informed them that they have my document 2 month before the foreclosure, the relationship manager never attend the calls, and the home retention department doesn't have knowledge of the review status of a loan modification. Now they change ( again!!! ) the servicer 's name to XXXX. In addition the foreclosure attorneys never send us the foreclosure notice letter.
Product: Credit card

I have paid off, settled down and resolved one account at First national bank at omaha on XX/XX/year>. But they have not yet updated the information from my credit report even after I requested them and the debt collector ( XXXX XXXX XXXX ) to correct it.
Product: Credit card or prepaid card

I am selling some items on XXXX XXXX. This individual " XXXX XXXX '' ( XXXX XXXX  ) XXXX or XXXX... made an appealing offer that they were going to pay me {$400.00} but I had to send {$300.00} first in order for my account to become a business account. However, I soon realized that ZelleXXXX never had such an extensive process and the transaction itself took so long so that's when I connected the dots. If you're ever in this situation, try to keep in contact with the scammer for as long as possible and get as much information as you can. I am secretly reporting this individual in hopes to get my money back. Watch out for yourselves.
Product: Credit card or prepaid card

I got the call this afternoon, Friday, XX/XX/2019. 
It was a Robo-Call identifying me that I qualified for a favored rate on my Chase Card because of my good credit. 
I have been out of work for 1 1/2 months, and I am at my limit on my present ( non-Chase ) credit card How can I have credit that good. 
The number was XXXX I would like to make Chase Card Services aware that someone is using their name to run a potential scam! The robocall asked me to press a certain number in order to speak to a representative, which I did NOT DO!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT THAT IS LISTED ON MY REPORT IS DO TO A DATA BREACH OR FRAUD THIS ACCOUNT NEEDS TO BE REMOVED