23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

A California attorney and/or debt collector by the name of XXXX sent a letter to my place of work indicating that she would be suing them on behalf of ECMC. She sent this letter on XX/XX/XXXX, and it was received on XX/XX/XXXX ( letter attached ). She indicated that she was going to sue the employer for a " debt '' that has already been dealt with by more than one complaint filed with the CFPB. She received immediate communication back on XX/XX/XXXX. In addition, ECMC had claimed that it had retained California attorney, XXXX to defend it against FDCPA claims. XXXX office was contacted, and they continued to claim that his law firm was handling the matter and that there should n't be another attorney. Without respect to the confusion that was caused, multiple email forwards were sent to XXXX indicating that I do not have any debts owed with ECMC. She was told that she was not to contact my place of employment via certified mail, telephone, email and facsimile. She was immediately sent documents indicating that there was no Administrative Wage Garnishment in effect and that there was, therefore, no potential claim against my employer. Nevertheless, she still contacted my place of employment on XX/XX/XXXX, emailed the CEO, and spoke with the CEO twice. She then claimed that she would also be contacting the payroll company. After receiving a Cease and Desist and Notice of Intent to Sue, as well as having complaints filed with the CFPB, ECMC and its agents have contacted my workplace a minimum of an additional seven times and have contacted my former college to attempt to obtain records. Unfortunately for them, the records of the college - which have parts blacked out by either ECMC or the college - reveal that I was fraudulently classified as a law student ( I never applied to law school, and I, therefore, certainly did not attend law school ) and show that I made direct payments to them. This corresponds with my own receipts for payment, which I ordered a hard drive reader to be able to produce for their former attorney, XXXX. ECMC - under threat of lawsuit - and with direct proof of fraud, will not stop. Not only that, this situation has become much worse because my work has been contacted more times now than before I filed with the CFPB, and I have had to research additional agencies to turn to to receive assistance. This is consuming unbelievable amounts of time, and there is no way to achieve a permanent solution. It is absolutely horrifying that you can have a debt collector create this much harm without anyone doing anything to stop them. They need to be put in jail, and this needs to be considered a crime punishable by jail time, because they have literally stolen my money and are attempting to do so again.
Product: Checking or savings account

Citi threatened to freeze my funds unless I provide them with a list of all my investments across all my financial institutions outside of Citi. I told them this was violating my privacy and they did not have a right to do this. After I closed my account with them they have not provided me with my 1099 information despite calls from them and chat conversations with them. I believe they have indulged in consumer harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has falsely coerce me into the store location when I confront it the manager about the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the bank account information they can not process my application or accepted the manager then did not give me back the application and was very disrespectful and had security escort me out of their place of business that security officer make several demeaning disrespectful comments to me he I feel even put my life in danger by holding his hand on his firearm to the point where the only defense I had was the safety within my car and trying to be escalated argument that continued on with him outside of the store where he was taunting me to try to get me to hit him with my car while he was holding his hand on his XXXX and unstrap the holster this company has had a history of misleading customers by lying to them is for what credit reports were actually being ran or not ran as well as items to bring into the store the fact that this was regarding a place of business that lied and manipulated information to get me to fill out a false application regarding my credit for a title loan is why I'm reporting this matter along with the XXXX XXXX used by the store employee and a customer service by the unprofessional untrained manager
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 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  ) And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX BANKRUPTCY ( XXXX XXXX XXXX TEXAS ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXXXXXX ) 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reporting payments incorrect on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Payments were NEVER late on this account. 

XXXX XXXX XXXX reporting payments incorrect on XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Payments were NEVER late on this account. 

These inquires WERE NOT authorized by me and need to removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Upon checking why I was charged this much after moving out, the letter states they charged me for bugs??? When all the cabinets were infected with termites and little black bugs that eats up wood. The apartments are very old ( this is unacceptable ). They also charged me for rodents when I never had a rodent issue?
Product: Credit card or prepaid card

I closed my Chase Sapphire Preferred card out on XX/XX/XXXX. When closing the card I was not informed that their policy states that points on the account must be used within 30 days. I went to book travel with my wife last week and discovered that my points balance was at XXXX. I had a total of XXXX points accumulated. This is completely unacceptable and in my opinion, is theft. 

I called to resolve this matter on XX/XX/XXXX and they told me that they were escalating the issue their marketing department. Followed back up today, XX/XX/XXXX. and they informed me that my points were gone forever and they had no responsibility to tell me that they expired in 30 days. I even offered to have them transfer my points to my wife 's account that is still open. Again, they deflected and said that wasn't an option. How easy would a points transfer be? I have been a customer of Chase for 10 years and this is how they treat their loyal customers. Please assist me with getting my points back.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 
As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022 I made a {$120.00} " Principle '' only payment ; Capital One applied part of this payment towards interest. I have made two calls to Customer Service asking that it be corrected and each time I was told it was submitted and that it would take a few days to be reversed. It appears Capital One refuses to accept my payment as a principle only payment which as I understand is illegal.
Product: Debt collection

I am a victim of Identity Theft, I recently noticed this company reporting false information on my Credit Report which is causing me undue hardship as it is causing me to be denied housing for myself and my children I have already filed an FTC report about the accounts on my credit report arising from the identity theft issue I have also reached out to the Company directly asking for the alleged debt to be validated, showing an agreement between myself and their company with my wet signature, They have ignored my request time after time. 

I have never done business with any company by the name of FCO
Product: Checking or savings account

I filed a dispute against XXXX XXXX XXXX on XX/XX/23. Long story short, the bank screwed me around so severely about the dispute that I ended up closing my account. 

Later they realized their mistake and sent me a check for the disputed amount ( {$140.00} ). But for some reason, they reopened my account without my permission to bill me for that amount without telling me why or giving me any reason why that happened. I contacted the bank about it and they told me the hotel is arguing back so they reopened the dispute. They told me what the hotel said, and it is 100 % lies. 

I spent so many hours dealing with this in the first place and chose to close my account. I never asked for my money back but they voluntarily gave it back to me. Now I'm back in this mess and also am finding out that if I don't pay the bank the {$140.00}, and nothing is resolved, it could go into collections and mess up my perfect credit. Additionally, this is not good for my mental health. 

I would have been fine putting this mess behind me, but they paid me back and now I'm back in it. Please help!
Product: Vehicle loan or lease

Had a car loan taken in my name when I was Married Car was going to be her responsibility when we went to court later found car had been repo. Back in 2016 Ive asked for it to be taken off my report. Plus with the age it should be anyways. And there marking missed payments even tho its been since 2016 since payments been made and since XXXX when I bought it. Never got papers from this company to saying I could buy it back and thats against the law never got papers showing what the car actually sold for to and thats against the law. It needs to be removed from my report. Plus the missed payments needs to be removed from being on there every month
Product: Debt collection

XXXX XXXX XXXX XXXX  CREDIT COLLECTION SERV Open options Account # : XXXX XXXXXXXX XXXX XXXX XXXX Open options Account # : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. You MUST provide me a WET INK signature or I'm forced to take legal action against a company that falsely attempting to collect a debt I don't owe them.
Product: Mortgage

This is an email I sent to XXXX that explains what has happened with XXXX as well as Calibur Home loans not resolving the issue : Hi XXXX, I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that XXXX sent. The next document is the XXXX from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from XXXX was received at the County on XXXX/XXXX/15 and the XXXX Title XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to XXXX asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that XXXX processes XXXX XXXX XXXX 's taxes for them. 

I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else. I have also copied my loan officer on this email so if you could " reply all '' that would be helpful because she is trying to help me resolve the situation. 

Thank you, XXXX XXXX XXXX cell
Product: Checking or savings account

XXXX XXXX I received a Bank of America statement by US mail for an account I did not open. I called their fraud and they closed the account. 
XXXX XXXX I received an email from Bank of America saying an account had been created. I did not create this account. I called and they said they were closing it. 
XXXX XXXX I received another Bank of America statement by US mail for another account I did not open. I went to their branch office in X town, X state and tried to resolve it. They refused to close the account until I provided an affidavit, copy of my social security card and other identifying information-a large packet worth of paperwork. I told them they are allowing someone to keep opening fraudulent accounts without verifying their identify and asking me, the victim, to provide personal identifying information to a place that clearly has security issues. I told them this was backwards and wrong.