23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rescinded the alleged loan on XX/XX/2005 ( enclosed copy ) and second loan on XX/XX/2005. The attached letters from the Orignator ( XXXX ) requesting us to sign new loan documents after I had rescinded ( enclosed copies ) including the following : Good Faith Estimate ( GFE ) Truth in Lending Disclosures Note ( that I had questioned the rate on page XXXX ) The documents that Fay Servicing , LLC has provided dated XX/XX/2005 are forged and was rescinded ( enclosed document shows changing dates from the XXXX to the XXXX and XXXX XXXX XXXX typed the XXXX on them, illegal ) We never wanted or agreed to a 7.1 % ( when we was paying 5.35 % ) interest rate for 40 years or wanted a second mortgage ( that Fay Servicing , LLC has NOT provided yet ) in 2005.
Product: Payday loan, title loan, or personal loan

I submitted my application and told i was pre approved. I uploaded my ID, paystubs and all information that was requested. I received an email saying that they were unable to verify my information. I called and asked what they were unable to verify and they would not tell me. I find this very misleading and very poor service. They should be able to tell me why they are having trouble verifying my information. I have good credit and waited 2 weeks for this and this loan company can not even tell me why my application was denied.
Product: Debt collection

ON XX/XX/2020, I received a text from MRS associates about a unconfirmed bill with XXXX XXXX. I replied to that text message to stop -- the stop was not acknowledged bu MRS . 
On XX/XX/2020, I spoke to A Mrs. XXXX XXXX a rep at MRS about this issues. I asked her to validate the claim and her response to me was " I dont know what that is '' As on the date of this filing, MRS has not acknowledge my request to validate this debt as my right under FCRA.
Product: Debt collection

The Debt Collector, XXXX XXXX, XXXX sent me the letter I owed {$1600.00} and {$59.00}, which are the outstanding balances for the computer lease I didn't purchase ( Purchase date described in the letter : XX/XX/XXXX ). The letter had my correct name and address, but wrong phone number and email address. I suspected an identity theft and disputed I didn't make the purchase. 

I have received another letter on XX/XX/XXXX that they have addressed my dispute, and I still owe them the outstanding balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letters to XXXX, XXXX XXXX Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, XXXX  Equifax have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. Also accounts are incorrect and are displaying balances when they should be 0 If accounts are supposed to be closed. 


Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete from my credit report.
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report. I am not liable for this Debt of {$350.00} with NATIONAL CREDIT SYSTEMS I did not sign a contract with NATIONAL CREDIT SYSTEMS and I didnt receive Verification of the debt via the original Contract Account number : unknown I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : NATIONAL CREDIT SYSTEMS Date of entry : XX/XX/year>2024 Reason for Dispute : XXXX. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. XXXX. NATIONAL CREDIT SYSTEMS has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). NATIONAL CREDIT SYSTEMS is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. XXXX. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. s 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Hard Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Closed My credit card without consent. I did not authorize my credit card to close. Bank of America then reported late payments to the credit bureaus and I have never had a late or delinquent payment on my account. They told me they will correct the issue but only corrected the issue with XXXX and XXXX. XXXX is still showing delinquent and late payments. I need this issue fix asap. This is such a huge inconvenience and it is preventing me from buying a home.
Product: Checking or savings account

ACCOUNT WAS CLOSED FOR NO KNOWN REASON, BEEN A CUSTOMER FOR HUNTINGTON BANK FOR ALMOST 10 YRS WITHOUT ANY ISSUE..
NO ONE COULD EXPLAIN TO ME WHAT MY CAUSE OF ACCOUNT CLOSURE WAS PLEASE INTERVENE.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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: Student loan

My name is XXXX XXXX. My wife and I keep getting calls from Toll Free Call XXXX XXXX. When I call this number I get an entity which identifies itself as ED Financial Services. When I ask why they have been calling twice a day for at least three years, they mention a student loan. They ask if I am XXXX XXXX. This I admit, adding that I have no outstanding student loans. They then ask for me to verify my date of birth. This I refuse. Similarly I refuse to give the last four digits of my social security number. This is standard practice which we advised consumers to follow when I worked for the XXXX XXXX XXXX XXXX XXXX. When I asked, today, for any detail about the loan they asked about, they refused any and all information unless I gave them personal information. I explained that 'XXXX XXXX XXXX is a common name, and I was under no legal obligation to provide them with personal information. The ED Financial representative I spoke to indicated that she would give me no information about the loan I supposedly owed without my revealing personal information. I advised her to take me to court should they feel I owed them money and I would be happy to explain the situation to a judge. XXXX, from Ed Financial Services, suggested that the phone calls would continue until I gave her the personal information outlined above. I told XXXX XXXX that I would not give her personal information and I would contact the CFPB. Can you help me with this matter? I consider ED Financial Services ' methods abusive. Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CALIFORNIA XXXX Date of Birth : XX/XX/year> SS # : XXXX XXXX Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to file a complaint about an account that does not belong to me and is inaccurately reported on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The account in question is with [ name of the financial institution or bank listed on the report ] and has been incorrectly associated with my name. This error has negatively impacted my credit score and my ability to access credit and other financial services. According to the FCRA, specifically Sections 611 and 623, I am entitled to accurate information in my credit report.

Information on the Disputed Account : Name of Financial Institution : XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX Current Reported Balance : {$9900.00} I have attempted to resolve this inaccuracy directly with the financial institution and the credit reporting agencies, but I have not received a satisfactory resolution. Under Section 611 of the FCRA, I have the right to have this incorrect information investigated and corrected in a reasonable timeframe. Furthermore, Section 623 of the FCRA requires that data furnishers report only accurate and verified information in consumers credit histories.

Enclosed with this letter are copies of my identification and other relevant documents that may assist in verifying my identity and supporting my claim. I appreciate your assistance in rectifying this error and ensuring compliance with the FCRAs accuracy and precision requirements.

Thank you in advance for your attention and help in resolving this complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have had a mortgage with Wells Fargo for years. During Covid, I was contacted about pausing mortgage payments due to the economic conditions during the pandemic. I asked if it would in any way add to my payments and I was told emphatically, " no ''. I asked numerous ways to make sure I had a clear understanding. I was told that basically my payments would stop and then after the government/banks figured out what was going on in the economy my payments would start again. As an example, if my mortgage balance was XXXX when I paused payments, it would remain XXXX when I started again. I called no less than 5 times during Covid to reiterate that what I believed was correct. I was told various degrees of " well, we will have to wait to see but it will not increase your payment at all. '' When I did resume payments, I was told that the $ XXXX in payments I had not made yet were now at the end of my loan but " not to worry as Wells wasn't charging any interest on that. '' I am college educated and was very lucid in my questioning. Now, it seems that they want me to pay this back when logically there is nothing to pay back if it was truly " paused '' which is what I was told more than a dozen times. I don't think this is right and with Wells being fined more than {$2.00} Billion, they have shown they are not doing honest business with people. I am sure they took government handouts during Covid but still took it on themselves to XXXX  people.
Product: Student loan

Repayment issues. 
I was entered into the XXXX program for XXXX years, payments were based on certain criteria and payments were manageable. XXXX ( and circumstances ) have not changed in XXXX years ( I have more debt actually than years past ) and suddenly payments have gone from under {$30.00} a month to over {$300.00}. Seems like Navient 's XXXX program has had a change in calculating their new repayment terms, or I am, again, getting screwed by XXXX/Navient.
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Request for Sharing Nonpublic Personal Information ( NPI ) Dear Flagship Credit Acceptance, I am writing to formally request that my Nonpublic Personal Information ( NPI ) not be shared with any third parties, except where legally required. This request is made in accordance with my rights under federal and state privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

Specifically, I opt out of sharing my NPI with the following entities, except as legally mandated : Debt Collectors Entities hired to collect on accounts.

Credit Reporting Agencies ( CRAs ) Such as Equifax, XXXX, and XXXX. 
Service Providers Vendors providing operational or administrative services. 
Affiliated Companies Any subsidiaries or affiliates within your corporate structure. 
Marketing Firms Agencies conducting promotional activities. 
Investors or Purchasers of Securitized Debts Entities acquiring accounts via securitization. 
Attorneys or Legal Representatives Engaged in debt-related legal matters.

Government Agencies For purposes beyond legal mandates. 
I also want to note that I have not received the initial or annual NPI privacy notices required under the GLBA. Please provide these notices immediately to ensure transparency regarding your data-sharing policies and practices.

I request written confirmation that my opt-out request has been processed and assurance that my NPI will no longer be shared with third parties. If I find that my information has been improperly shared, I will take appropriate steps to protect my privacy. 

Thank you for addressing this matter promptly. I look forward to your confirmation within 30 days. 

Sincerely,
Product: Debt collection

XXXX XXXX XXXX XXXX  gave us a contract to protect our home. The service never worked properly. When cancelling, they promised us all upgraded equipment for free with another contract. They showed up once and didnt bring equipment. Since then, there are false statements of them saying they came when they didnt and made calls to me that never happened. After battling for years I just want this to end. I have equipment that is from the first contract and so outdated it didnt work with the second contract. I should not have to pay for a service that was never provided to me. Looking into this company now, I regret ever getting in contract with them. They dont let you cancel and keep tacking on money. I am not the only person with these issues. I will not pay for them.
Product: Bank account or service

I had several checking/saving accounts with citibank, the fees for these accounts were waived since I also had a Citibank mortgage. Citibank changed this policy and started charging fees to my account. I received no notice of this change, there is no mention of this policy change on my recent statements or online in my account.
Product: Bank account or service

Chase keeps denying the use of my debit card and gives wierd reasons on how this is to secure my account. It 's been more than XXXX times in the past 2 wekss I had my money locked in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Transunion, XXXX, XXXX.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.
Product: Credit reporting or other personal consumer reports

I want reported accounts to be removed. These are the accounts i have marked as inaccurate. 
Date : XX/XX/XXXX - XXXX XXXX XXXX, Amount {$13000.00} Date : XX/XX/XXXX - XXXXXXXX XXXX Amount {$4400.00} Date : XX/XX/XXXX - XXXX XXXX XXXX Amount {$3400.00}
Product: Debt collection

XXXX XXXX systems has repeatedly called and harassed me about a {$70.00} dollar collection. Claiming that since XXXX hasnt removed it from their report ( all other credit bureaus have ) that they are entitled and I better pay. That I can not escape being irresponsible and saying obscene things. 

XXXX as well said they will NOT take that into consideration and made their dispute decision based on information given by XXXX. This in turn made their calls ramp up from XXXX, day and night constantly harassing me. I couldnt even attend a funeral without their calls popping up on my phone.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I tried applying for a credit card with Amex and they sent me a denial letter stating they couldn't approve me an account because they've previously closed my account. I've never opened an account with them
Product: Credit card

This is in connection with Case number : XXXX. I could not find any where to supplement my initial complaint. On XXXX/XXXX/XXXX I was contacted by B of A representative XXXX XXXX. I explained the deceptive nature of the Signature Card promotion. I asked XXXX XXXX why B of A did not disclose that by applying for the Signature Card, I was also applying for the junk Platinum card. She told me that I had not applied for the Platinum card, but that B of A had given it to me anyway, because it did not want to give me the Signature Card. This is even worse, because B of A admits that it sent me a credit card that I had not asked for, and it arrived with a {$50.00} charge already on the account before I even activated the card. Also, B of A reported this card on my credit report, despite the fact that I had never applied for, or activated the card. 

Since B of A now admits that I did not apply for this card, it violated 15 USC 1642 by sending me the card, for which it charged me {$50.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

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

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

I have requested to XXXX to validate and verify the negative account they arereporting on my personal credit profile, including providing an acknowledged agreementand transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.