23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I purchased a Yamaha Jet Ski from XXXX XXXX  XXXX XXXX   in XXXX, Ohio. They arranged financing through XXXX XXXX which was serviced by XXXX XXXX Therefore, the Title to the Jet Ski in the State of Ohio has a lien against from XXXX XXXX. In XXXX of XXXX, Yamaha Financing took over the Loan from XXXX XXXX. On XX/XX/XXXX I paid off Jet Ski with a final Lump sum payment of {$6600.00}. At that time, Yamaha Financing who I made final payment too, told me it would take 15-30 business days to send me the title. Since that time frame expired, around XX/XX/XXXX have been making multiple phone calls to Yamaha Financing and XXXX XXXX. Yamaha Financing continues to repeat they are waiting for " title '' from XXXX XXXX, XXXX XXXX says everything was transferred to Yamaha Financing in XXXX of XXXX. By my count we are at 60 Business Days since I made final payment, I feel I should have my title by now, I do not understand how Yamaha Financing can take my final payment of {$6600.00} while XXXX XXXX still has a Lien against title. Or how XXXX XXXX can still have a lien against my Title if they transferred everything to Yamaha Financing in XXXX of XXXX. Do I have any legal rights as far as getting the Lien removed in a timely fashion after making final payment coming up on 3 months ago?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some disputes and noticed that they are no longer doing anything with them I have a credit repair company and they have disputed at least five things and now I look at the dispute center and nothing has been done. I have also noticed that they have place two accounts that were closed years ago and have put them to where they are being reported this year and they have already been charged off five years ago. I received a letter from the courts saying these accounts have been resolved. I think this is possibly XXXX.
Product: Checking or savings account

On XX/XX/2021 I went in to a chase bank and opened an account, Everything was fine, I waited a week for my card to arrive in the mail and on XXXX XXXX I deposited my first check which was given to me by my employer. Chase decided to put my funds on hold and told me that it will not be available until XX/XX/2021. I called in multiple times to have my funds be made available but they told me that they needed verification from my employers bank so I spoke to my employer and he informed that the funds have already been withdrawn from his account however Chase told me that XXXX  XXXX XXXX does not allow verification over the phone and that my funds will automatically be released on XX/XX/XXXX. I received a letter in the mail on XX/XX/2021 stating that chase has decided to close my bank accounts without any reason at all on XXXX XXXX so I called them and they told me that they can not provide me with a reason and that this is decision that was made after careful consideration and that I will not be able to open up a bank account with chase. they refuse to release my funds so that I can withdraw my money. Now I have to wait another 2 weeks to receive a check in the mail after my funds become available. This has been a nightmare! I have never in my life experienced anything like this. I ' am very disappointed on how they handled me as a customer this truly has been the worse experience I have ever had.
Product: Credit reporting

I have an address showing on XXXX XXXX XXXX XXXX XXXX that is not Mine.
Product: Debt collection

I am filing a complaint against LVNV Funding LLC for the following reasons : 1. **Failure to Validate Debt : ** - LVNV Funding LLC violated the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692g, by failing to provide validation of the debt despite my written request. They have not produced : - The original contract or agreement showing my liability for the debt.

- Documentation proving their legal right to collect the debt, including the chain of title or assignment from the original creditor.

2. **Unlawful Credit Reporting : ** - LVNV Funding LLC is reporting this alleged debt on my credit report without validation, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681. They have not provided evidence that the debt is valid or enforceable, yet they continue to harm my creditworthiness.

3. **Unauthorized Sharing of Personal Information : ** - LVNV Funding LLC shared my personal and financial information with XXXX  without my written consent, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), which requires financial institutions to protect consumer information.

4. **Violation of the Uniform Commercial Code ( UCC ) : ** - Under UCC 3-203 and UCC 3-301, LVNV Funding LLC has not demonstrated that they are a " person entitled to enforce '' the instrument, as they have failed to produce proper endorsements or assignments from the original creditor. 

5. **Consumer Financial Protection Act ( CFPA ) Violations : ** - LVNV Funding LLCs actions are unfair, deceptive, and abusive, violating CFPA, 12 U.S.C . 5531. Their collection attempts without validation and unauthorized sharing of my data are clear breaches of consumer protection laws. 

XXXX. **Unlawful Collection Practices : ** - LVNV Funding LLCs actions, including threatening collection without validation and unauthorized data sharing, are deceptive and constitute unfair practices under FDCPA, 15 U.S.C. 1692e and 1692f.

LVNV Funding LLCs actions have caused the following harm : - Emotional distress due to harassment and the uncertainty about the legitimacy of this debt. 
- Financial harm caused by the improper reflection of this alleged debt on my credit report, which has negatively impacted my credit score and ability to secure loans or credit.

- A violation of my privacy through the unauthorized sharing of my personal and financial information with XXXX, increasing the risk of identity theft. 
- Wasted time and resources disputing this debt and attempting to have it removed from my credit report.
Product: Credit card or prepaid card

This complaint is about an XXXX store credit card with Comitity Capital Bank. I applied for the card in XXXX, XXXX and made one purchase. I did not receive a bill. I got the phone number to call from the actual store and I called for several days in XXXX trying to pay my bill and could not get through. When I finally got through on XX/XX/XXXX, I was told the computers were down and asked to call back later. When I called back, I was told it was after XXXX XXXX and my payment was officially late. Then I was told their policy was not to accept payments past XXXX XXXX and it was past that time. I was told that I would be charged a late fee. Then, the operator said it wasn't fair because their computers were not working properly. They took my debit card number to pay the bill then it would not accept it, saying it was not a debit card. Finally it took the card. I don't know what the problem was with their computers. Then, I was assured the late fee would be credited to me. I was told that he would credit a late fee of {$15.00} and I paid the balance in full. 

I received a call on XX/XX/XXXX from the credit card company. My balance is now {$65.00} and there was a payment due in XXXX, XXXX. The balance was due to a late payment in XXXX because I was not credited the full amount of the late fee and a late fee in XXXX for not paying the late fee in XXXX. I asked the company to correct it and refund the " late fees '' They refused to make it right. 

Then, I tried to pay the late fees balance with my normal bank card and I was told their system would not take the card because it was not a debit card. It is a debit card. This is also what happened before and it finally accepted the payment. Now I am suppose to call back later and try to make the payment again. 

The company is scamming people for " late fees '' making it difficult to pay them because of their computer problems and then charging fees. They are misleading consumers. Beware of the late fee charged after you have paid your account a few hours after the due date because of their computer problems. That late fee will also incur another late fee without notice. They are scammers. 

XXXX was the operator Her ID is XXXX Comitity Capital Bank Cust Service XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

XXXX, eXPERIAN and XXXX are reporting in account that is in accurate outdated in my credit file. I have requested that they delete this account, but they have refused and have reported back to me that the account is validated. However, they have not provide me proof of the validity of the account, The account number is XXXX, Creditor-XXXX XXXX . First Date reported XX/XX/year>
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ) XXXX Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( Private XXXX XX/XX/1967 ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TranUnion credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a Collections account. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer report. I have attached a list of the XXXX Account in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. This aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case number- XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$700.00} XXXX Account number : XXXX Balance : {$0.00} XXXX  XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Balance : {$480.00} XXXX XXXX XXXX Account number : XXXX Balance : {$5600.00} XXXX Account number : XXXX Balance : {$1200.00} XXXX Account number : XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) Account number : XXXX Balance : {$2500.00} XXXX Account number : XXXX Balance : {$3100.00} XXXX  Account number : XXXX Balance : {$480.00} XXXX  Account number : XXXX Balance : {$520.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and there are fraudulent accounts reporting to my credit. Fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of my FTC report as well as my ID. ( Please see attachments )
Product: Student loan

As a Federal Student Loan Borrower ( Stafford Subsidized, 1-02 Graduate PLUS ), I was steered into forebearnace instead of an income-driven repayment plan/experienced payment mismanagement/credit reporting issues. Resulting in my loan exponantionally increasing due to fees and high interest rates. This forebearance, resulted in interest to continually acrue and capitalize, Navients illegal practices resulted in additional interest charges. This was a regulatory violation. Department of Justice and FDIC ruled in 2014, yet the practice continued and CFPB did not reach out to borrowers like myself. Navient violated the Consumer Financial Protection Act, the Fair Credit Repting Act and the Fair Deby Collection Practices Act. Yet, the CFPB never contacted borrowers like me!

Navient harmed student loan borrowers such as me by ; Misleading borrowers about income-driven repayment plans, Botching payment processing and misleading myself about improving credit scores and the consequences of federal loan rehabilitation. I was impacted by Navient 's predatory lending, deceptive practices, unfair and deceptive student loan servicing practices. Abuses in originating predatory student loans. As Navient as being asked to settle this and I have not received my settlement payment as stated in the class action lawsuit. I await my CFPB redress check.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 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 TransUnion 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 a personal Loan account opened at XXXX XXXX XXXX, XX/XX/year> account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to you under extreme distress and urgency as a victim of XXXX XXXX, whose rights and well-being continue to be jeopardized due to mishandlings and oversights by credit reporting agencies, specifically TransUnion. Despite clear documentation and attestation of my status as a XXXX XXXX my credit report remains fraught with inaccuracies and unauthorized entries, directly impacting my ability to secure housing and provide a safe, stable environment for my children to start a new life.Under Section 605C of the Fair Credit Reporting Act, demanding special considerations and protections which have been grossly overlooked. 

Issues of Immediate Concern : Inaccurate and Unauthorized Entries : My credit report lists multiple accounts and inquiries that I never authorized and which are a direct result of identity theft associated with my victimization. 
Failure to Recognize Victim Status : Despite the substantiated documentation provided under Section XXXX of the Fair Credit Reporting Act and 12 C.F.R. 1022.142, my rights as a victim have been grossly neglected, with no corrective action taken to block adverse information. 
These errors have not only devastated my financial profile but have also severely limited my housing options, a critical factor for the well-being and stability of my children and myself. This ongoing negligence violates my consumer rights and contradicts the very essence of the protections promised to XXXX  survivors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my wife and I submitted a joint application for credit from XXXX XXXX through a link on website provided by XXXX XXXX in XXXX XXXX MO. We received a letter of preapproval that we took to another dealer, XXXX XXXX XXXX XXXX XXXX in XXXX, KS because we got a better deal on the vehicle we wanted. All went smoothly we left that day with our vehicle and have been making payments ever since. On XX/XX/XXXX we were sent a letter from XXXX XXXX notifying us of an adverse credit determination. How can that be? We were approved and took possession on XXXX XXXX and have made timely payment since then. Why would they submit incorrect, erroneous information to our credit file? That should be corrected immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute an item on my credit report. The item in question is : US BKPT CT FL XXXX Ref # XXXX I believe this item is inaccurate and should be removed from my credit report for the following reasons : 1. The debt collector has failed to validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g.

2.Pulled out of BK and started making payments again. Never completed BK process Under the FDCPA, specifically 15 USC 1692e ( 8 ), it is a violation to report information to a credit reporting agency that you know or should know to be inaccurate. As such, I request that you investigate this matter and remove the item from my credit report. 

Please provide me with the results of your investigation within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter.
Product: Credit card

I recently submitted a complaint about account XXXX I did not open this account you sent a response indicating that this account belongs to me I have never lived at the address listed on this account and the phone number XXXX is not and has never been mine so I did not contact you ever from that number I have filed police reports and identity theft reports your investigation into this matter is wrong I am a victim of identity theft someone has been using my social security number date of birth and identification. This has been going on for 2 years I have had several accounts opened at numerous banks all coming back to this adress in XXXX when the police investigated this adress the residence was vacant and condemned since XXXX someone was using the mailbox as a drop off point. Which is why it's showing showing this information linked to me on my credit reports because they are using my identity to be me. I will not pay a debt that doesn't belong to me and it's not removed from my credit my next state is to file a complaint the the state attorney generals office I've been dealing with this for 2 yrs I just want my life back you have all the supporting documentation you need from law enforcement I don't understand why you are insisting I opened this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$260000.00}
Product: Credit reporting or other personal consumer reports

I am trying to file a dispute with a delinquency on my credit report. I was able to get in contact with XXXX and XXXX quite easily but Experian has been a nightmare. They will not transfer me to a human on the phone and their verification system for their website just does not work.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account. # XXXX XXXX XXXX Account. # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX 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

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 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 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. 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. The following inquiries were also opened under my social security number fraudulently as well. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX