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 XXXXXXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX  ACCOUNT # XXXX has violated my rights. 
XXXX, XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # 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 an account without my written instructions I DID NOT GIVE WRITTEN INSTRUCTION 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: Debt or credit management

nstant XXXX XXXX XXXX. Was hire by me and my husband XXXX XXXX in XXXX of XX/XX/XXXXXXXX  to negotiate settle in ours debts. XXXX XXXX was the person with whom I had all communication and the person who send me the contract and a legal Power Attorney to us. 
She made an estimate that we would pay {$14000.00} dollars including her fees with a monthly payment of {$610.00} per month for a period of 24 months. I ended up paying 25 months. 
My husband and I were living in NY at that time, due to the COVID businesses were operating from home and all the communications was through phone calls, emails and text message. In XXXX XX/XX/XXXXXXXX  we made the first payment, and the last payment was made XXXX XX/XX/XXXXXXXX  all the payments was made through XXXX XXXX every month she was sending me invoice to do the payments in the course of 2 years I send her {$15000.00} dollars, after calling the credict card companys I found out, she only used XXXX of the money that we paid and we have four accounts have not been settled We have 9 Credict cards debts between my husband and I. 
XXXX XXXX through ISCC , LLC only made a settle on 5 of does credict cards plus another Credict card she made parcial payments Im trying to get in touch with XXXX many times by phone, text and emails with no answer. 
My husband and I worked very hard to get out of debts and fulfill our dream of buying our house. 
I would like that the money to be returned to us. Also I would like to apologize for any misspelling, XXXX is not my first language thanks.
Product: Credit reporting or other personal consumer reports

I recently disputed again with XXXX XXXX XXXX, and they still haven't sent me any documentation bearing my signature on it that I've requested. Under the Act FDCPA, 15 U.S.C. 1692g, XXXX XXXX XXXX failed to provide validation of the debt, including the original contract, who funded the account, and my obligation. Furthermore, equifax, XXXX, and XXXX have continued to report these unvalidated accounts, causing significant harm to my credit score and financial state. XXXX XXXX XXXX has engaged in unfair and deceptive practices, including misrepresenting the debt and the authority to collect towards me. By 15 usc 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt in which XXXX is violating my rights. Also, it they violate the law under 15 usc 1692j, which states it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I have no contract or know anything about this company. I've requested over and over and still received no proof. This is identity theft. They continue to furnish information to my file without me knowing who they are and NO consent to do so. To share my information and furnish incorrect information is a violation my rights without any knowing or consent to do so. Furthermore, reporting false information, harming my character, sharing my information and recovering my information to use, communicating in my file, with no consent or form of agreement to do so is against the law. You can not furnish information knowingly incorrect to my file, my report must be XXXX accurate at all times by 15 usc 1681eb, maximum accuracy.
Product: Vehicle loan or lease

I have contacted Credit Acceptance Service many times concerning these inaccuracies on my credit report, they have refused to remove them an they are still listing the car with open late payment with is a violation of my rights, I have disputed the inaccuracies many times and creditor keeps sending it back to the bureaus as verified, I personally them to pick up the car due to I had health issues, this company has violated 15 U.S Code S 1681s- 2 and 15 U.S Code 1681 and 15 U.S Code S 1681a
Product: Consumer Loan

I keep getting letters from dept of education stating i took out a loan to a school in arizona i never went to ... .never applied to an never heard of before. I graduated from XXXX.College in 1992 I completed the XXXX programme.this school would not have helped me at all in my career. I have dealt with this issue before as i have had my taxable earnings held back from me before. ..I thought this issue was resolved but now ive lost my tax return again.
Product: Credit reporting or other personal consumer reports

It has come to my attention that Discover Bank is currently reporting to all major credit bureaus that my Account XXXX Is past due by 60 days. Yesterday, XX/XX/XXXX, I spoke to several members of your Customer Service Department, as well as Collections. Several of your agents allege that I missed a payment in XXXX of XXXX and therefore this reporting is correct. I was then transferred to the Discover XXXX offices and spoke to XXXX. XXXX stated that he would conduct an investigation into this matter. I have reviewed past statements from XXXX of XXXX and have found no late payments during this period. Further, it seems mathematically impossible that I would be late 2 years later after making timely payments to your bank in excess of XXXX USD. 

This account remains paid off and closed to date
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX, I made an online check deposit for {$10000.00} as Capital One does not have branches so physical check depositing is unavailable. At time of initial deposit via Capital One app, it stated a small portion of funds, {$280.00}, would be available the next business day, XXXX, with additional funds being made available on multiple dates, the largest balance being released XXXX. 

On XXXX, no funds from the deposit were made available to me. The Capital One app now stated all funds would be available XXXX. 

I contacted Capital One via phone on XXXX and again XXXX, to inquire why no funds from my deposit were available in my account. I was advised my check was on a security hold, I requested something in writing stating why my check was on hold, Capital One refused, instead referring me to their website for general deposit information. I advised I would be filing a complaint. 

On XXXX, Capital One made {$750.00} available from my initial XXXX deposit, as well as changing the {$10000.00} check deposit date to XXXX, despite the actual date of deposit being XXXX. 

On XXXX, despite Capital One showing the deposit amount as if available in my daily transaction logs, the balance of the original deposit, still was not made available to me via my account. 

Capital One refused to provide reasons for holding funds, presented inconsistent and inaccurate information regarding my deposit, including falsified deposit date and fund availability.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Calvalry XXXX, NY XXXX Re : Original Institution XXXX. XXXX.A/c. # XXXX ; Cavalry A/c # XXXX to the tune of US {$9700.00} and outstanding balance US {$9100.00} I have received information from, XXXX, ( XX/XX/XXXX ),  XXXX respond information via CFPB ( XX/XX/XXXX ) and Cavalrys ( XX/XX/XXXX ), copy of XXXX information regarding A/c. # XXXX ; Cavalry A/c # XXXX to the tune of US {$9700.00} and outstanding balance US {$9100.00} regarding my complain to CFPB. 

I am disappointed that the entire document compiled by XXXX and Cavalry did not include original term of agreement between XXXX and myself and Credit Protector fee, and how the interest, late fee or over the limit fees are accumulated and why, any record showing, how much were deducted for Credit Protector in case of unemployment or medical, issues and when was the last activities in the card. 

I am asking again furnish me with the amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

Indicate clearly how the interest fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges like Credit protector are expressly authorized by the agreement creating the debt or are permitted by law. 

I have been unemployed and XXXX for a long time due to three different motor accident and XXXX and my only source of income is US {$XXXX} from XXXX XXXX XXXX/retirement ; despite that I had been paying my debts with the help of my wife who had decided to discontinue helping until the date I stopped paying all my bills. I have not seen any XXXX report indicating that they were helped with that side of benefit. XXXX who apparently sold use their legal resources to harass me and failed to meet their obligation to assist their card member in any event resulting from medical issue, or unemployment. XXXX finds it easy to sell such account to debt collector and they fail to let the Debt Collector the Calvalry know that, Medical Record had been supplied to XXXX, Protection Service who had been deducting freely from this account. Credit Protector Fee is supposed to help the Card member in any event resulting from medical reason or while they are undergoing medical treatment or unemployed, instead I am penalized for over the limit, late fee and other fees XXXX feel they have the right to charged THESE MONEY while they were not honoring my unemployment and medical condition. This information have not been included this in the documents you provided by XXXX and Calvalry and yet they are threatening to garnish my only source of income. 

XXXX failed to honor their word ; they have all the Doctor report like other who other waived or stop bothering me due to my unemployment and medical condition. I have 2 XXXX Degrees, and tried to work with XXXX XXXX XXXX without success. My medical condition has not changed in addition I had two XXXX XXXX and undergoing XXXX XXXX up to now. 

Sincerely, XXXX XXXX Cc. : XXXX CFPB
Product: Money transfer, virtual currency, or money service

I have asked Axos invest to close my investment account and transfer funds to my checking account at XXXX. Despite the promise that it will be done in 5-7 business days, even after ~ 15 days 10+ business days the amount wasn't transferred even after repeated email causing me financial issue which I wanted t o avoid
Product: Debt collection

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney! Someone used my information to open a mobile phone service and credit card accounts. I need the following negative inquires removed from my credit report that's listed in the report immediately.
Product: Credit reporting

I have submitted serveral times proof of ongoing identity theft and the company refuses to delete inaccurate information they they calme to be verified by a third party called XXXX related to inaccurate BK information. I have submitted an ID theft report attached and information from XXXX themselves showing no such file. For more than ten years someone has been using variations of my social and committing theft. I have notified the IRS and all involved authorities and expect the CRAs to act accordingly Please have them abide by the laws set for this time of situation and block this information or delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Report per privacy guard XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and XXXX XXXX reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score. and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and XXXX XXXX reporting compliance standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

F H Cann & associate has not sent me any paperwork on their claim that I owe them. I have asked them repeatedly to stop calling me.
Product: Debt collection

RECEIVED PHONE CALL FROM WESTERN CONTROL SERVICES XXXX XXXX LEFT A MESSESAGE DIDNT IDENTIFY WHO MESS WAS FOR BUT WAS A DEBT COLLECTOR. CALLED BACK XXXX XXXX XXXX  HE ADVISED I HAD AMOUNT OWED ON MY BILL TOLD HIM I HAD A DISPUTE ON AN ITEM WOULD GET BACK WITH HIM BUT WANTED TO TAKE CARE OF IMMEDIATELY TOO GET RESOLVED.XXXX XXXX XXXX AGAIN ON XXXX XXXX, 2019 DIDNT GIVE MINI MARANDA DIDNT WANT TO LISTEN TO ANYTHING I HAD TO SAY JUST AMOUNT WAS OWED TOLD HIM I WANT TO PAY BUT ID LIKE SOME MORE INFO HE SAID NO AND STARTED THREATING HE'D JUST REPORT TO MY CREDIT AFTER I TOLD HIM I WAS GOING TO PAY THE BILL I OWE {$380.00} TILL TODAY I HAVE NOT RECEIVED WRITTEN NOTIFICATION FROM THIS COMPANY. I'M GOING TO BE CONTACTING AN ATTORNEY IN REGARDS TO MY CONSUMER RIGHTS THIS COMPANY IS HARRASSING ME AND I ALREADY SAID WOULD PAY THE BILL. THIS COMPANY HASN'T FOLLOWS THE FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report. As a victim of a data breach, I believe these accounts were opened or reported without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the accounts listed below : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX Current Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX Current Balance : {$2400.00} XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XXXX XXXX Current Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX Current Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal Credit Union. is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navy Federal Credit Union XXXXhe financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, XXXX, and Navy Federal credit Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal Credit Union has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

I ordered a withdrawal of XXXX euros from my coinbase wallet to my bank account onXX/XX/XXXXand at nowdays I have n't seen that money. Of course I tried several times to contact the support but just automatically reply. My case number is XXXX.