23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, I applied for the SAVE Program through the Federal Student Aid Website. 

The SAVE program makes it so your monthly lower payments are lower, in my case my monthly payment was {$0.00} and that interest above your monthly payment is waived. So my balance on the SAVE program would not grow over time due to interest even if I paid {$0.00}. 

My application for the SAVE program was received, processed and sent by The Department of Education to Aidvantage. Aidvantage never placed me on the SAVE program, and instead put me on a regular Income Driven Repayment Plan. This allowed for interest to accrue on my loans from XXXX XXXX XXXX when it shouldn't have. 

When I called Aidvantage, no one there, including the supervisor was knowledgable about the SAVE program. It seemed as though I knew more about the program than them. My main question was that since the Aidvantage representative could see that Aidvantage received my SAVE application in XXXX or XX/XX/XXXX, why was I not approved for the program? No one could give me a straight answer, they sent me a letter in the mail not answering that primary question. 

The SAVE program was blocked in the courts in XX/XX/XXXX so will no longer be active going forward. 

What I am looking for is for the over {$2000.00} of interest that accrued from XXXX  XXXX-XXXX  XXXX  when I should have been on the SAVE program to be rectified and my total loan balance lowered by the amount of interest that accrued during that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

Company closed debit card XX/XX/2020, but left the routing & accounting number open and account has a positive balance and company keeps giving the run around about re-activating the account. 
Company gives the same answers and offers the same solution that hasnt revealed any results and they are still in possession of my money on the account
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Synchrony Bank has closed all of my accounts ; however all of the accounts were opened in the last year. Would Synchrony Bank be willing to remove the following inquiries from my credit report as a couple of these accounts were opened in late XXXX ; but the accounts were all closed XXXX. I am making payments on all of these accounts ; however, can you please remove all of the inquiries within the past year from my account as these accounts are closed. 

Inquiry Date : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX )
Product: Checking or savings account

On XX/XX/ American Express XXXX XXXX locked me out of my online savings account when I tried to transfer funds to another verified bank. I have repeatedly tried to contact them to no avail. They are holding my money hostage. I believe they simply do not want the customer to transfer funds out. This has got to be criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several request, to send a written statment, reflecting the reasons for closing my accounts, Citibank has failed to send such of letter.
All the informations that I have so far, are from the bank employees.
***I WANT TO HAVE A WRITTEN STATEMENT FROM CITI BANK, STATING WHY CITIBANK HAS SUDDENLY CLOSE MY TO ACOUNTS.
<P/>
****THIS WAS NO ACCIDENT.
Product: Checking or savings account

Chime needed up closing my account for no reason I submitted all the documents that was asked was told it was good from chime support than later was told the other department was going to reach out it has been weeks and still nothing. I was then told they will be issuing a closure check and should receive it and never did. They keep giving me the run around and Im literally upset that they cant do anything to tell me why they closed my account and just anything. I call about 3 times a day supervisors told me they dont like how Im getting treated but they cant do anything because another department handles this type of stuff and that theres no way to contact them.
Product: Debt collection

Pursuant to the FCRA 15 USC 1681 A Rules of Construction, section ( 2 ) ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report will be excluded from credit reporting. The company has willfully not complied with the rules set out by congress in this act. In addition to the violation mentioned, the company did violate the FDCPA as well by not validating the alleged mentioned debt and not complying to my cease communication demand. Not only did I demand the communication with me to cease, but all communication related to the attempt to collect the alleged debt with any third party credit reporting agency.
Product: Debt collection

I started receiving calls from a Vance & HUFFMAN LLC about a debit total ing XXXX, XXXX dollars I requested documents for the amount detailing they indeed had the right person about the Debit and never received any information from the company i never herd of this company and do not know what they are trying to collect money from me
Product: Student loan

NAVIENT ABUSE : I AM A COSIGNER FOR A NAVIENT LOAN, THE ORGINATOR IS SEVERAL PAYMENTS BEHIND, SHE LOST HER JOB. NAVIENT IS ABUSING ME WITH CONSTANT PHONE CALLS 5 TIMES A DAY 6-7 TIMES A WEEK FROM XXXX TO XXXX ON MY HOME PHONE. THEY ARE ALSO USING ABUSIVE LANGUAGE AND WHEN I ASK THEM TO STOP OR BACK OFF THEY SAY THEY CAN CALL UP TO 8 TIMES A DAY, THERE IS NO LIMIT. I HAVE TOLD THEM SEVERAL TIMES OVER THE LAST WEEK THERE IS NO SET NUMBER BUT THE NUMBER & VOLUME OF CALLS IS ABUSIVE. THEY REFUSE TO STOP. ABUSING ME
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTERS THEY SENT TELLING ME THAT THEY SOLD THE ACCOUNT. YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE THREE CREDITORS THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Filed disputes with Experian 2x during week of XXXX XXXX XXXX An account ( XXXX  XXXX XXXX  ) had incomplete information such as payment history + balance + account status etc. My info is correct on XXXX + XXXX but the incompetent employees at Experian are unable or unwilling to do their jobs. Both " investigations '' were complete 1 or 2 days later. My card has a balance/limit and a payment history ( pays on time ) etc and it's a revolving account etc so this is messing my score up as they're not reporting positive information.
Product: Debt collection

Debt collector going by the name of XXXX XXXX XXXX XXXX, keeps calling my family members and leaving threatening voicemails. Their threatening voicemails include statements like " We are trying to locate him, and if he does not call us back we will take legal action. '' They leave threatening voicemails on relative phones in order to try and scare me into calling them. 

I have no idea who this " debt collector '' is, nor do they identify themselves as a debt collector which is a flagrant violation of the Fair Debt Collections Practices Act. Their threats are also a violation of the Fair Debt Collections Practices Act. 

I do n't want any further communication from this " debt collector ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXXXXXX XX/XX/XXXX {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently review a copy of my credit report and notice I had fraudulent accounts on my report remove this account from my report, they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

I received a letter from a company named Innovis. According to this company, they are a consumer reporting agency who is collecting my information and storing it onto a report in their database in my name. 
This company sent information before and I freeze everything in their report database dealing with my personal information as I did not grated any permission to this agency to collect my information. I have no dealings with this agency and I would like them a cease and desist of any and all information and communication with me. 
This is how identity theft starts with the trapping over consumers rights without permission. Everything on this consumer report I deem as fraudulent because I have no knowledge of it. I invoke USC15 1681C2 as it is a violation of my rights. I also invoke permissible purpose USC15 1681ED as I do not know the intent or reasoning behind this company nor did I granted permission to my information. 
It is NOT a LAW for this company to violate my rights to privacy, infringement on my information is deemed theft. 
Please refrain from collecting any information on my behalf. I have enough problems with the regular XXXX bureaus unnecessarily and sometimes intentionally violating consumer rights. 
Again, I do not authorize or give permission for this agency to have access to my personal information as it is personal and private. This is a violation of my rights and privacy. 
My next step moving forward will be to formulate a class action suit again this company XXXX there is NO law that grants them ANY access to my personal information. 

Please refrain/cease from sending me any information about a file you do not have legal rights or authority to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, 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 I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to the XX/XX/XXXXto file a complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of informati
on, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Bank account or service

XXXX XXXX Dear Consumer Financial Protection, I am filing a complaint about what Wells Fargo has done to me and many others like me. They set me up to be scammed. So here is the information and if you send me your email address, I can give you all other data of how it started with me consistently contacting American Servicing Company for months with no reply or answer to my issues even though I was not behind in my mortgage. 
All of a sudden each XXXX, I had to pay an extra XXXX. I called to get clarification ; they listened, but no reply. They required that I had to pay XXXX insurances on the property ; I questioned them about that because in all the years of living here this was the first time XXXX insurances on XXXX piece of property. Suddenly, a letter arrives telling me I had to pay for the second insurance monthly. I called asking for clarification ; nothing. I started calling for loan modification nonstop until I was told it was my fault that I did not keep after them, but I did. 
Suddenly, after I hung up on that last call, a XXXX named XXXX XXXX arrives at my home asking me did I need assistance on anything about my property. I told him how I contacted American Servicing Company with all my issues, with no results from them. He told me I can get loan modification if I get behind on my mortgage. In reflection, it seemed this was set up by American Servicing Company. 
From that moment the scam happened. All my issues were solved so I could trust the person to assist me that Wells Fargo did nothing to assist me. I got XXXX loan modifications and Wells Fargo dismissed them based upon XXXX lies : I did not pay my house taxes and I, a celibate man, was married and my wife put a XXXX lean on the property. I could not sue Wells Fargo because all was done by word of mouth ; however, I had to have a notary witness my signature to send to Wells Fargo that I spoke the truth. 
Wells Fargo is going after seniors, families and XXXX to make them homeless consistently. 
I am filing this complaint against them for what they have done to me XXXX for 50 years who served XXXX with all my heart and soul. 
Respectfully
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite all my extended efforts to heve the fraudulent items removed from my Credit File, it is clear that the Credit Bureaus have been non-compliant of the FCRA section 605b. I geatly appreciate the effort done by the Credit Bureaus to correct a portion of my Credit Report that were incurred due to Identity Theft. But upon further investigation of my Credit File, I realized that not all the disputed fraudulent information was deleted. Once again, I was a victim of identity theft and the items I am disputing were never related to any transaction that I have made or authorized neither did I received any beneits resulting from my Identity being stolen. Acording to the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that the consumer recognizes as an item resulting from an Identity Theft. I am submitting this complaint to follow up my previous complaints regarding the same problem and have the following items removed immediately from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX