23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate deletion of the following account from my credit report due to its inaccurate and improper reporting : Creditor : XXXX XXXX, XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date Placed for Collection : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX has confirmed in writing that they returned this account to XXXX XXXX, XXXX on XX/XX/XXXX. Furthermore, they have stated : " If any adverse information has been reported to the credit reporting agencies, we will request it be removed with our next update. '' Given this statement, there is no legal basis for this account to remain on my credit report. I demand that this account and any associated derogatory marks be deleted immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please conduct an immediate investigation and confirm the permanent deletion of this account in writing. Should this matter not be resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take any other necessary legal action to protect my rights. 

Thank you for your prompt attention to this matter. I expect confirmation of the deletion within 30 days, as required by law.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX of XXXX  I entered into a retail installment contract with Preferred Credit Inc. My account number is XXXX and my monthly payment was set for auto draft via my checking account for {$170.00} starting XX/XX/XXXX. After reviewing my promissory note, I see Preferred Credit has taken advantage of me along with committing securities fraud as well as violating the Truth In Lending Act. In the attached contract, it states under " DESCRIPTION OF GOODS AND SERVICES, '' This Contract covers your installment purchase of the following Goods and Services : XXXX  XXXX Preferred Credit still chose to collect tender of payment from me monthly with a promissory note that was paid in full at the time my signature was placed on the document. Also, in the section titled " PREPAYMENT '' under " IMPORTANT, '' it states, " Even though you needn't pay more than the fixed installment, you have the right to prepay the whole outstanding amount of this Contract at any time. If you do, we will refund the unearned FINANCE CHARGE as of the next installment due date if not prepaid in full on an installment due date unless this Contract was executed in MISSISSIPPI ( my residential state ). The FINANCE CHARGE on the note is {$810.00}. 

I never received this finance charge, I was taken advantage of and harassed by their servicers with illegal debt collection. My consumer report is now damaged as they have charged off a PAID ACCOUNT and reported late transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative items on my credit report has happened to me as a result of fraudulent practices of a school I once attended ( XXXX Colleges ). This college was found guilty of violating state laws using illegal and deceptive tactics. I am being punished by having these loans reported on my credit report. According to William D Ford Direct Loans under the borrower defense these loans have been discharged. 
The original lender sold these loans to a 3rd party and the capitalized interest increased significantly over the years. Making my current loan amount exceptionally high. I dont owe this debt and I didnt benefit from the fraudulent school. 
I have requesting these fraudulent loans be remove from my credit report 3 years ago. I have recently made another request to the credit bureaus. I am requesting your assistance in getting the credit reporting agencies to adhere to the guidelines of the Federal Fair Credit Reporting Act as it relates to reporting these loans on my report, These loans on my credit report have prevented me from obtaining credit, buying a home and causing me to have poor credit. Essentially making my life miserable.
Product: Consumer Loan

Toyota Financial Services neglected to acknowledge payments made on my vehicle. They will not give my money back nor apply it to my balance.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to this lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practice are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

On XX/XX/2018 my bill did not go through account with missed payment. I am kindly requesting XXXX/XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

I haven't been provided with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that XXXX XXXX has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that XXXX currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, under 15 USC 1692 C, the law clearly states Consumer notifies a debt collector, the consumer refuses to pay a debt, the debt collector must cease all communication and remove from my credit report
Product: Debt collection

I tried to start a XXXX XXXX account in 2019. I had it plugged in for about a week before realizing that the service was not working. After contacting a XXXX representative to cancel the service, I then received a a bill a month later. After contacting XXXX again through phone and chat, it was learned that the service was still not canceled. I made every attempt possible and they were reluctant to do so, which resulted in fraudulent billing charges and led to the account being placed with a collection agency- in turn negatively impacting my credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint to the Transunion, XXXX, and XXXX 's legal team. The credit bureaus are in violation of the FCRA for refusing to provide me with copies of my credit reports and reinvestigation results as promised in their responses. The credit bureaus legal team also failed to provide me with information on how the reinvestigation was made for each account, including any forms that were filled out and the contact information of the creditors that were contacted to verify the information. XXXX continues to report the collection account for XXXX XXXX XXXX although Transunion and XXXX has deleted the inaccurate information. Transunion is reporting inaccurate information on the account with XXXX by failing to report {$1600.00} credit limit. XXXX is reporting inaccurate information on the account with XXXX. The company has failed to report the {$3200.00} credit limit. The credit bureaus legal team stated that the accounts are verified, but refuses to provide the appropriate account-level documentation with is a violation of the FCRA Section 1681s-2 ( b )
Product: Credit card

I make my monthly payment, i had one payment return due to double payment which i gave them a heads up about. They acknowledge the error and advised they will make note of it. Ever since that payment they have ever payment from debit card, ach, and cash on float, I understand ACH due to the nature of ach payment. Debit cards payments are real time payments applied immediately into Citi Banks possession. They recieved one this past month and wouldnt clear untill i made it a point. I have had several team members from exectuive team and managment always giving me bad information. I ask how long floats last for they advised me " whenever the system wants to. '' To hear that is a insult to my intelligene espically when i worked in the banking industry. Im constantley mislead. They want to call my bank on three way to see if funds cleared when ach team should be doing that. That representive isnt privileged to hear my full social security number and full bank details,
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 Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a 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: Vehicle loan or lease

On XX/XX/XXXX Chrysler capital received a check in the amount of {$42000.00}. Chrysler capital cashed the check on XX/XX/XXXX. Since then I have called over XXXX times and have been given several different reasons why they have not closed my account. Ranging from were waiting on accounting to we need more documentation then at one point Chrysler capital said they would not talk to me about what they need but that my insurance must reach out to them. After that interaction XXXX weeks ago they stated that they were waiting on accounting. The final call on XX/XX/XXXX the insurance department said they have no proof of the check and never received it. Despite being faxed 2xs to them. Every single time I call I get a different reason and excuse.
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 XXXXXXXX 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 an account without my written instructions.
Product: Credit card

My Wells Fargo banker suggested me to apply for a secured credit card and told me there would be no annual fee for the card. I thought it would be a good idea to start building credits considering I am about to XXXX college. Until a week later after I got approved. I was charged {$25.00} annual fee on my account. I called my banker and asked about the fee. He claimed that he thought there would not be any annual fee, and since I already got approved, there is nothing he could do about it. I am now not only obligated to pay the fee but also stuck with a credit card which I would not have wanted if I was told the truth.
Product: Mortgage

I was approved by Vanderbilt Mortgage for a manufactured home loan and my loan office wont return my calls Ive left several voice mails they wouldnt give me her email I had to get it from a XXXX homes employee, she is not responding to my emails Ive sent her home buying assistance application she wont respond Ive even sent out dated application she wont respond. I called XXXX XXXX she wouldnt answer she had them tell me she was on break then they sent me to another loan XXXX who wouldnt help me but told me I dont qualify for a fha but they gave me a conviental loan with high interest high down payment and a high mortgage and no one wants to help me fix it. I am a single parent of XXXX I down have XXXX XXXX just laying around. I thought your supposed to help your clients find the best possible mortgage the best fist time home buying process not just push them to the side cause they dont fit your expectations
Product: Credit card

My credit card was used for over {$1600.00} in charges from multiple stores that Ive never even been too in my life. I told the credit card company that last I used my card was at a XXXX XXXX XXXX  and then from there for multiple days there were charges at many places that Ive never been too. I believe my credit card was copied because I still have the physical card in my possession. I filed the dispute and after about XXXX weeks of their investigation they told me it was my fault since I still have the credit card in my possession. I tried to talk to someone higher than the dispute customer service but they wont let me. One told me they would reopen my case. Another said that there is nothing I could do. The third time I called they said I could email Citi and ask for my case to be reopened ( which I did and did not hear back ).
Product: Credit reporting or other personal consumer reports

I was XXXXd during the time I was accused of having a credit card for this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Collection Company : Financial Asset Management Systems Inc. 
Website : XXXX Amount : XXXX Date on Notice : XXXX/XXXX/XXXX A company by the name of Financial Asset Management Systems Inc. has sent an order of wage withholding to my employer on a debt that is past the statute of limitations in the state where I reside and the state where the debt was originally incurred. 

I am a resident of Kansas which has a 3 year limit on how long a company can attempt to use legal means to collect a debt. The last payment made on this debt was in XXXX. 

I have informed the company in writing and over the phone of this and also informed them not to call my place of employment. 

They continued to call my place of employment and today I received the notice of wage withholding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed Date : XX/XX/2018 ; Bankruptcy : Discharged XXXX Reference number : XXXX Filed Date : XX/XX/2018 2018
Product: Debt collection

Despite my request for validation under the Fair Credit Reporting Act ( FCRA ), Ally Financial has failed to provide any response. According to 15 U.S.C. 1681s-2 ( b ) of the FCRA, Ally Financial is legally obligated to ensure the accuracy of the information they report to credit agencies. However, they continue to report inaccurate information, which is significantly impacting my credit rating. This disregard constitutes willful negligence under the law, and I am prepared to pursue legal action to address this matter.
Product: Debt collection

This is basically started from a previous complaint # XXXX I filed, at that time I thought it was XXXX XXXX, but it was n't. On XXXX/XXXX/XXXX my girlfriend got a phone call from a lady named XXXX XXXX from phone number XXXX, in reference to me XXXX XXXX XXXX, this lady proceeded to tell my girlfriend that if I did n't resolve this matter, that they would turn it over to the District Attorney and have me arrested. At that point she called me and told me I needed to get to her house and talk to this woman, at which point I did. She told me that she had been contacted and had this matter turned over to her, funny thing is this is the same company that I talked to before. Incidentally she had told the whole story about this to my girlfriend and stated they would have me arrested if I did n't resolve it today. I talked to her on my girlfriends phone ( XXXX ) for approximately XXXX minutes, she told that I could be arrested because I had sent a check, which I never did and had created fraud against this Payday loan Company ( XXXX ), I basically was forced to sign a document under duress that I would make this matter be paid from my debit card, as they would no longer accept any checks from me. I will attach a file with the document in it to this complaint.
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 : XXXXXXXX XXXX XXXX / XXXX 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 one 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 EQUIFAX 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: Money transfer, virtual currency, or money service

XXXX scam for the amount of {$2000.00} on XX/XX/28. Contacted bank and they refused to reverse the funds.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX XXXX XXXX : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian an affidavit of facts that was nortized by a public official. In this Affidavit Experian was asked to remove inaccurate names and addresses on my credit report. ***affiavit attached*** Experian willfully shows noncompliance as I have stated under oat this information is incorrect. 

Experian has stated that the information was only updated same information and did not delete. The addresses were deleted by other credit reporting agencies but Experian does not want to follow the law. 

This is my final attempt of getting this corrected or Experian will be meeting me in court. 

Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Overtime I received invitations from OneMain Financial to apply for a loan. Many communications have stated that I was prequalified. On XX/XX/2020 I applied online for a loan with OneMain Financial and received an email stating that I was approved, based on verification of my identity, address, and monthly income. I verified this information online and over the phone with a local representative. I also provided a copy of my drivers license showing the photo as requested. After several phone calls with the local representative I was told they could not provide me with the loan because of my financial situation. During the calls, the rep asked what I needed the money for and I explained that I was pregnant, due to give birth in a few days, and wanted to pay down some credit cards. This is when I was told they could not provide me with the loan. To date I have not received a notice stating the reasons I was denied.