23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Act. The list of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account Without my written instructions.

15.U.S.C 1681. C ( .a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions or crimes which antedates the report by more than 7 years.

15. U.S.C 1681 S- ( 2A ) ( 1 ) A person shall not furnish any information relating 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

XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Personal Information Discrepancies The following personal information listed on my credit report is inaccurate : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Collections Disputes Please verify the validity of these collection accounts. If verification can not be provided, kindly remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Disputes The following inquiries on my credit report were unauthorized and are not linked to open accounts. Please remove them : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sequium ( XXXX ) added an account to my credit that does not belong to me. I never received any notice, letter, or contact from this company and never heard of them until I checked XXXX XXXX. When I call Sequium ( XXXXl ) ( FOCUS RECEIVABLES MANAGEMENT ) no one answers and the voicemail is full. I have sent several emails that go unanswered. I have never had a XXXX XXXX XXXX account. This account does not belong to me. I sent Sequium ( XXXX  ) a letter to dispute XX/XX/2020, got no response. As of today, no reply has been received. Sequium ( XXXX ) first broke the law by failing to provide any notice before it was added to my credit. Sequium ( XXXX ) continued collection activity after I contacted them by verifying the item with all three major bureaus while ignoring my request for verification. This is wrong and illegal ; Sequium ( XXXX ) has no signed contract, no audio recording, no e-signature, nothing to verify this is mine because it is not my account. I do not even know the address where the service is located because no one responds. Also. I am a former XXXX XXXX XXXX employee, but I have never had the service. The phone number listed for the company does not work. The voicemail has been full for months. Per the last communication this was to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

Hello : I am based in XXXX XXXX People 's Bank has been recently bought out by M & T based in NY . During the change over to M & T, my line of credit was closed with Peoples Bank which is now creating a lower credit score. I'm hoping that this can be amended so that my credit score can move back up. 

I look forward to your reply.
Product: Checking or savings account

I have a checking account at Hope Bank in XXXX, Va. I can't access it online. This problem has existed for a month. I try to log on. I get the message " loading please wait while we log you in. '' Nothing happens. The bank said they know about the problem and don't know how to fix it except that I have to turn off all security features in my webbrowser. If I did this, I could access the account but then I would have to reset everything. I have had this account for years. This is not right. 
Please help. Thank you.
Product: Credit reporting or other personal consumer reports

I have sent Pen Fed Credit Union and XXXX XXXX XXXX my police report and FTC report. Showing this account is not mine. I have never filed a hardship letter with Pen Fed Credit Union about this credit card. I never opened a credit card with Pen Fed Credit Union.
Product: Debt collection

RJM seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to XXXX XXXX BANK XXXX. 

I deny any debt, claim, or judgment by XXXX XXXX XXXX or RJM, and if any judgment taken illegally against me, collection is likewise illegal. 

THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.
Product: Credit reporting

This is the XXXX time that I have contacted XXXX in regards to inaccurate negative information on my credit report. The information being reported is erroneous. First of all XXXX XXXX XXXX is not the original creditor. SLU care is and I sent a letter to XXXX as well as the other XXXX credit bureaus which have removed this information from my report. However XXXX is refusing to do so with documentation presented by the creditor. I have been dealing with this issue since XXXX to no avail. the following information is their response to the dispute after being presented with a letter from the creditor that indicated a 100 % financial assistance for XXXX yr and a XXXX balance on my account with them XXXX XXXX XXXX XXXX : XXXX ... Outcome : Updated Dispute Status XXXX credit report prepared forFAILS, XXXX XXXX report number XXXX date : XXXX XXXX, 2015 Credit Report Toolkit : Credit EducationThis link opens a new browser windowKnow your rightsThis link opens a new browser windowListed below are the current disputes we have received from you. 

Results Due : XXXX Method : XXXX XXXX Items XXXX Number : XXXX ... Outcome : UpdatedPlease note that certain items may not display until later because they required additional processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX XXXX, end date XXXX XXXX. 
At the time there were two accounts with Chrysler Capital. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to Chrysler Capital to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in XXXX and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX Police Detective from getting a loan to put siding on his home because he is not able to paint his house anymore. Chrysler Capital is damaging his credit score yo a place that he is struggling, a XXXX XXXX and retired cop! 
At present CHrysler CApital is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

Chrysler Capital has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Mortgage

Spoke with agent ( beginning of XXXX ) on phone after receiving XX/XX/XXXX escrow estimate statement. Asked why so much when my payment already went up from {$630.00} last year. Now it shows a shortage of {$1500.00}? They said it was because my property taxes went up almost {$200.00} a year and my hazard insurance went up by {$700.00} a year to {$1900.00} ( almost {$700.00} a year ). I called my house insurance company and had them up the deductable, etc so my new insurance premium is {$1400.00} saving me {$470.00} a year and sent that to Wells Fargo, they were going to " correct '' the escrow estimate. We were on hold for over XXXX mins with the escrow account person who was supposedly correcting the estimate right then and there. Instead of it going down for the reduction in insurance costs - it went up. The agent told me to pay the {$840.00} payment and the system would process overnight and it would be applied the next morning. I went to pay my house payment yesterday, XX/XX/XXXX and the phone system told me I needed to pay {$1500.00} +. I called them back and they said my monthly payment for XXXX and XXXX went up to $ XXXX to get my new monthly payment down to {$810.00}. Not sure why so they explained to me. Their explaination is " that I have an FHA XXXX XXXX loan and that the FHA required them to withhold XXXX ( XXXX ) times that actual amount being paid towards my hazard insurance and property taxes in my escrow account and it is now showing up as a huge shortage of $ XXXX a month instead of the {$67.00} a month. 

I contacted the FHA and they sent me information that shows requirements as being amount and XXXX as cushion. Re : Respa10 " During the course of the loan, RESPA prohibits a lender from charging excessive amounts for the escrow account. Each month the lender may require a borrower to pay into the escrow account no more than XX/XX/XXXX of the total of all disbursements payable during the year, plus an amount necessary to pay for any shortage in the account. In addition, the lender may require a cushion, not to exceed an amount equal XXXX of the total disbursements for the year. ". 

So they are charging a cushion of 2 times everymonth per their agent instead of XXXX which equals XXXX months cushion. 

So, I have contacted the FHA and was referred to XXXX XXXX ; and then XXXX XXXX confirmed that they thought they ( Wells Fargo ) were withholding too much and referred me to XXXX and the CFPB. XXXX, who in return referred me to CFPB also and suggested getting an attorney ( which I can't afford ).
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Private Student Loan originated -XX/XX/XXXX 2. Repayment began XX/XX/XXXX 3. Faxed in school deferment forms XX/XX/XXXXwith verification of enrollment. ( I have proof of documentation as well as correspondence from Navient of eligibility of deferment ).

4. Was told to make 3 payments of specified amount by XXXX XXXX  ( XXXX ) to make loan current through beginning of school Fall XX/XX/XXXX semester beginningXX/XX/XXXX with registrationXX/XX/XXXX ( I have proof of payments made and account in good standing as well as enrollment verification. )XX/XX/XXXXPayment - {$66.00} XX/XX/XXXX Payment - {$120.00} XX/XX/XXXXPayment - {$100.00} 5. Was First notified on XX/XX/XXXX that loan was in default with no previous contact or notification from Navient except for a " this is not a bill '' statement received onXX/XX/XXXX.

6. I was told on XX/XX/XXXX by representative to resend documentation of deferment ( I have email proof as well who I spoke with ).

7. XX/XX/XXXX loan was charged off without warning and I was notified by XXXX XXXX XXXX.

8. Called Navient, filed complaint, they researched into this complaint and in less than 24 hours without contacting me for any documentation said there was nothing they could do even with the proof of documentation I sent.

9. Currently, 4 law suits against Navient for this exact reason.

10. Please help as it is preventing me from getting financial aide to complete my education.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not a credit repair company so please fix this problem. I'm ask the credit bureau to remove fraud inquiry from my report they told me they don't dispute inquiries i need to contact the company and i did the company said dispute it with the bureau so i don't known what to do please help. I am a victim of identity theft, and did not make the charge [ s ]. I never gave your companies authorization to pull my credit report. Because of this unauthorized pull, my credit score has dropped. In order to pull a consumers credit report you need permission to do that, and if you dont have it its a violation of the FCRA which carries fines. Please provide me with proof that I authorized your company to pull my credit report. If you cant send me this proof in 30 days, you must delete this inquiry at once. Please update, or remove any inquiries that is not reporting with 100 % accuracy.I have contacted the furnished who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. Because of that they had no permissible permission to pull my credit reports. After researching on the internet, it states a company needs authorization to pull a consumers credit report. These company 's did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX   Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX-XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX - XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019, XXXX XXXX Inquiry from XX/XX/2019, Absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Vehicle loan or lease

I have contacted them several times about 3 late payments that were not late and they told me that they would fix it. They fixed one late payment in XX/XX/XXXX but notXX/XX/XXXX or XX/XX/XXXX.
Product: Debt collection

Emails USAA RESPONSE UPON REQUEST XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX from me ( XXXX ) XXXX TO NO AVAIL***. USAA ACCESSIBILITY IS A JOKE. USAA IS VERY CRUEL. 35 YEAR XXXX MEMBER ABUSED. USAA ACCESSIBILITY COORDINATOR OPERATIONS. Email above XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX RESPONSE FOR MY CRY FOR HELP TO REPORT FRAUD IFTC ID.THEFT case XXXX. IS : *** " Thank you for contacting usaa. This email is for individuals with XXXX '' PERIOD NO ASSISTANCE FOR THE XXXX. XXXX USAA DENIED MY RIGHT TO REPORT ID THEFT FRAUD MAIL FRAUD XX/XX/XXXX - XX/XX/XXXX *** Three other companies have denied me credit due to USAA. NOT RESOLVING FRAUD. see attatched XX/XX/XXXX USAA FRAUD LETTER FRAUD CLAIM DATE XX/XX/XXXX {$470.00} ** Took a year to complete investigation of fraud XX/XX/XXXX. Letter XX/XX/XXXX states UNAUTHORUZED TRANSACTIONS {$470.00} temporary credits are made permanet a year later. ** THERE ARE NO TEMPORARY CREDITS TO MAKE PERMANET IN XXXX. NO NOTICE OF UNAUTHORIZED TRANSACTIONS I REPORTED XXXX, XXXX, XXXX, XXXX XXXX OR XX/XX/XXXX. USAA HAS IGNORED MY REQUEST FOR ASSISTANCE FOR MY SEVERE HAND XXXX TO REPORT FRAUD. USAA PERMANET FRAUD CREDITS NEVER PROVIDED. ** I HAVE NO ACCESS TO MY ON LINE ONLY BANKING. XX/XX/XXXX usaa gives me NO ACCESS WHEN I PHONE. My call password used to get me access. Today USAA DEMANDS I pay to have neighbor read my texts and write numbers down for me so I can repeat them to gain access. MY HANDS CAN NOT DO TEXT EMAIL VERIFICATIONS. Due to virus USAA calls me back at my phone number they send texts to verify it is me?? They returned a call to this text phone number so?? Huh?? Why doesn't that verify WHO THIS 35 YEAR MEMBER IS??. IT IS THE SAME PHONE NUMBER? CRUEL CRUEL ABUSE OF POWER NO ACCESS FOR XXXX. MY EXCELLENT CREDIT SCORE DESTROYED BY USAA.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

It appears this alleged debt that Midland Credit is continuing to harrass me by sending letters attempting to collect this debt.
Product: Checking or savings account

This is Reference XXXX XXXXXXXX, is the latest reference number provided me from filling out a complaint, again with the online citi checking customer service department in regards to the below complaint. 
I deposited XXXX into a new Citi checking acct on XX/XX/2023 for XXXX promotional bonus to be deposited to account in 50 days ( by XX/XX/. ) Maintaining minimal XXXX minimum balance was required which was done. Prior to setting up the new checking account and transferring the large sum of money of XXXX to citi, I had citi employee verify over the phone that I met ALL critieria for this promotion including carefully checking the dates of any prior accounts ( existing and closed ) to make sure that I met all criteria related to any prior accounts, when they were opened, etc. The employee assured me, after reviewing m files and the promotional requirements, that I definitely met ALL criteria and was qualified for the promotion as an existing citi customer. So, after she reaffirmed this to me over the phone emphatically..I went ahead and set up the new account with her and transferred the XXXX money to citi. 
Citi received and accepted my money, under this promotional offer and opened my account under this promotional offer, having full record of any/all of my prior citi accounts as well as having reviewed them over the phone prior to setting up this account for me and having me transfer the XXXX to them. Once the required promotional time passed for my leaving the XXXX balance in in the account, the bank did not credit my XXXX promotional amount. Instead they kept giving me the run around, repeatedly telling me that I had met all the requirements and were putting in a 'request ' to their 'back office ' to get the promotional amount credited to my account. Then the 'back office ' would mail me a generic letter saying that I did not qualify because I had a prior opened account within 180 days prior to the aforementioned promotional checking account being opened on XX/XX/2023. They now state that I 'did n't ' qualify for that promotion because of the prior account having being opened within 180 days prior to the promotional account. This is NOT what the employees told me that helped me set up that account, apply that promotional code to that account, and helped me transfer my XXXX 'loan ' to citi XXXX in good faith. I am not responsible for citi employee 's being properly trained, citi is.I am not responsible for 'bank ' errors, citi is. I performed in providing citi with XXXX in money for the required time and now they are reneging and not performing on what they promised me, in good faith which is XXXX to be credited to my checking account. Can you please help me? 
Thank you. 
XXXX XXXX XXXX
Product: Credit card

I was XXXX for a few months and unable to make payments on my credit cards with Capital One. I returned home an dchecked my email and had a notice threatening legal action by Capital One.
Product: Debt collection

A1 Collections aka Traf group has ignored my requests for them to validate the alleged debt they are reporting to the credit bureaus. I sent a letter asking them to validate the debt on XX/XX/2019. I received no response within 30 days I sent them a follow up letter on XX/XX/2019 asking them to delete the negative item because they failed to validate the debt within 30 days. Not only have they willfully violated the FDCPA by still reporting it but they sold my information and there is a second company named XXXX XXXX XXXX trying to collect the same amount they allege I owe to them at the same time as A1 collection.