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

This is my 2nd 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 Balance : {$3500.00} ; XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$300.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; BANK OF XXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX Balance : {$3800.00} ; XXXX BANK XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : Formal Dispute Unauthorized Debt Assignment Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX  XXXX which has been assigned to XXXXo XXXX XXXX XXXX XXXX ). I am not liable for this debt, and I do not have a contractual agreement with XXXX XXXX XXXX authorizing them to collect any amount from me. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation XXXX must provide proof that they have the legal right to collect this debt, including a copy of any original agreement with my signature. 
Proof of Assignment Documentation showing XXXX XXXX XXXX  lawfully transferred or sold this debt to XXXX. 
XXXX XXXX XXXX If this debt has been reported to the credit bureaus, I demand its removal if it can not be validated. 
Until proper validation is provided, I dispute this debt in its entirety. Any continued collection efforts or reporting of inaccurate information may be considered a violation of federal laws, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please provide a written response within 30 days of receiving this letter. 

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

Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I was contacted by the dealership that I purchased my car thru stating that I was two payments behind on my loan. I am two payments behind due to covid. Apparently credit acceptance in XXXX Michigan is telling my financial business to a dealership that has already been paid for a vehicle and has no business knowing about my personal business
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 transactions were authorized, I was charged fees due to 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 practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

As per checking on my credit report last two months ago, I saw these inaccurate addresses and name on the personal information section of the report. I tried contacting the credit reporting agencies by sending them letters requesting to remove these information because they are not mine. Upon checking my latest report last XX/XX/XXXX, these incorrect information are still there. 
-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I haven't take any action yet... need to know what to do to returned the car they refused to take back
Product: Consumer Loan

Paid account to reflect a {$0.00} balance but Chase has not contacted the credit bureau to report account having been paid off.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit 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 consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

equifax XXXX XXXXXXXX XXXX XXXX  have untrue info on credit report! 
plus, details on alleged account are Hidden. I never agreed to do business with these companies. 
I never agreed to allow companies to share info. False info should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I make payments to Yamaha XXXX XXXX through my bank. In XXXX, my payment was sent the day before it was due. I was charged a late fee and wasnt aware that a late fee was appended. Consequently, they reported my account exceeded a 30 day payment which drove my credit score down. I have sent them proof of payment along with my bank statements to show that payments have been made on time. They have acknowledged these payments but refuse to report my account correctly. When asked, they told me I need to speak with their billing department to make these changes but refuse to give me contact info to engage.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I cant understand why all this unauthorized inquires that are reporting on my credit report. Please remove all and delete. 
XXXX. XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX. 
XXXX. XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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

I have XXXX paid tax liens and a judgment on my Transunion and XXXX that are still showing when XXXX deleted them. I would like them removed from my Transunion and XXXX report as well for consistency in my credit reports.
Product: Debt collection

My issue is nit gdetting fixed. This company is not provideing me with FULL VALIDATION according to the FCRA. They are only sending me what they want. Please send the below to validate my debt : 1. Chain of Assignments Documentation showing how the debt was transferred or sold to your company.

2. Chain of Custody Records demonstrating the transfer of the debt from one party to another, including all entities involved. 3. Proof of Default Documentation showing that I defaulted on the original debt. 4. Assignment or Transfer of Debt A copy of the original assignment or transfer agreement, confirming your legal right to collect on this debt.

5. Proof of Securitization Documentation proving that the debt has been securitized, if applicable.

6. License to show the company being able to collect debt in the state of texas
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported unauthorized inquiries in my credit report across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

Per 1681 ( e ) ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. XXXX has failed to provide basic accuracy only displaying 13 out of 65 months of payments. Leave XXXX precent unanswered.
Product: Checking or savings account

PayPal has yet to refund my money to me. I called them and they were uninformative and stated the business has not released the refund. The email clearly states the refund has been issued and to contact the bank.
Product: Student loan

I have tried to work with Navient on several occasions to try to work out a payment that I can afford, each time I try to set up a payment schedule that I can afford, I get steered into the Income Driven Repayment Program. I was recently sent a notice that it is time for me to re-apply for my income driven repayment, I called Navient to speak with a representative and was told that I can not re-apply over the phone with a rep, that I could only apply online or by mail. I have tried several times to go online and re-apply for the program without success. To start with, the website had to approve my login information, which caused a delay, I have tried again to log in with no success due to the site being shut down for maintenance. I have also been harassed by phone by both the Federal and Private sides of Navient after telling them not to call me on my phone. I have told these people several times that I want to make payments on my loans if I can make a payment that I can afford, I have been told that I had to pay the unreal amount each month that they want me to pay or directed into a program with forbearance or income driven payments with a XXXX payment but the interest continues to accrue. I also attended a school that was recently closed due to over charging and scandals associated with it for predatory lending against it. I am also an XXXX Veteran. I have suffered major hits to my credit score from these loans and have accrued so much interest on them, that I may never be able to get straightened out so that I may be able to own a home or any other credit driven advances in my life. These people are crooks and should be dealt with accordingly.
Product: Money transfer, virtual currency, or money service

I have an account on coinbase.com. I have fully verified this account and using from 2020 for receiving and sending crypto. On XX/XX/XXXX suddenly I noticed that I can not send crypto using coinbase. It says " you are currently unable to send crypto on Coinbase. Please contact customer support ''. But I can receive crypto. what does it mean? I receive more so that they can hold more. I have contacted with customer support. They told me that my account is under review. They did not tell me the reason for this. Also they could not able to tell me what will happen with my balance and when I will be able to send it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I had three inquiries that I did not approve. 
XXXX XXXX XXXX Netcreidt/XXXX
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Services has reported 2 credit card accounts but failed to validate the debt. I asked for original creditor 's information and how the debt was obtained including how much they paid for the debt. 

It's possible that I had credit card insurance to cover the balance that was provided the my original creditors. 

I am also a subscriber of the free version of the XXXX app and it seems XXXX and XXXX data has not be updated. 

For example, it's still showing that I owe over $ XXXX in student loans but my loans were cancelled last year
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently had my credit pulled by a Mortgage Broker and there are numerous collections that do not belong to me and I have never had any of the collections of these sorts.
Product: Bank account or service

Comerica bank handles the Social Securities cards. A XXXX lady lost her card so we went in the bank to get a replacement. The banker there convinced her that it would be better if she got a bank card with no fees in case the card was lost again. So the bank took her last {$80.00} ( may have been {$100.00} ) to open her no fees account. What the bank failed to inform her was that the account was no fees after Social Security confirmed the switch and moved the money into her account. They later confirm after they had fee 'd her account to a - {$40.00} was that it would take SS 120 to 160 days to transfer and she would get bank fees till that date. So they took the last bit of money from a XXXX lady then fee'ed that money away till she owed them {$40.00} and they turned her into the credit companies to hurt her credit. This bank should no be handling SS accounts when they have intent to steal those customers and tricked and lied to her. This is robbery and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I paid rent for my final months of living here at XXXX XXXX XXXX XXXX XXXX in XXXX. I mad one payment for XX/XX/2020 and one for XX/XX/2020 to my landlord XXXX XXXX from Zelle through the XX/XX/XXXX XXXX XXXX. Mr. XXXX is very difficult to get a hold of when it comes to things where it is non beneficial to him in any way. He is also very unreasonable and he told me my lease ends in XXXX on the XXXX. That means I paid XXXX rent for no reason and without my cash I will not be able to find a new dwelling because my rent money is now gone. 

This puts me in danger of Homelessness during covid19 with my XXXX condition it can even mean death for me on top of the homeless situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a gift from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) using my credit card. The order number was XXXX and the amount was {$52.00}. I received a letter fro the credit department at Equifax Cred Inf XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) that the order can not be processed because I have a credit freeze on my file. Given the breach, I am concerned on why a credit check and why this company? I have written XXXX XXXX to cancel the order and remove me from their records. Please help - is this legitimate?
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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.

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, credit repair services, or other personal consumer reports

Chrysler capital ruin my credit score, they charge high interest rates and the costumer service is horrible, I had one late payment since 2018 and they did a bad report to my credit score, please check this companys review and complains. 
Chrysler capital doesnt have any respect and consideration for the costumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get a negative mark removed from my credit report that was reported by Ocwen Loan Servicing. I have been trying for the past few months. Twice I have spoke to different escalation managers and twice my request was turned down. This is ridiculous. 

The facts are simple. 

My ex wife got our residence from our divorce. In our paperwork it clearly states she was the sole owner and solely financially responsible for the mortgage payments on the residence. Stipulation of Settlement was executed on XX/XX/2018 by the Honorable Judge XXXX. The late payment to which I am referencing was reported for the month of XX/XX/2018. Clearly after all papers were signed. 

The below references relate to the Stipulation of Settlement from our divorce. 

Page 13 letter K Unless expressly provided in this agreement, the party receiving the particular asset, whether tangible or intangible, shall assume any and all liabilities associated with the ownership of such asset, and shall indemnify hold the other party harmless of any and all such liabilities. 

Page 15 letter B The wife shall remain in and retain sole ownership of the residence. 

Page 16 letter C from previous page 15, The wife shall indemnify and hold the husband safe harmless and satisfied with respect to the Ocwen Mortgage now and forever. 

This is pretty simple case. My ex wife assumed the home and the Mortgage solely on XX/XX/2018. On that date I lost all interest in the residence and was no longer obligated to legally pay the mortgage. The fact my name wasnt removed from the mortgage loan was a technicality and that it was being worked on to be removed. 

Our Judgement of Divorce Papers were signed by the Honorable Judge XXXX on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

As a protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( Closed Charge-off ) XXXX XXXX XXXX XXXX XXXX XXXX ( Closed Charge-off ) : XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Account 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 An 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, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX  XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I request their removal within XXXX  days. I have included the necessary documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a credit report and discovered that the three credit reporting agencies, Experian, XXXX, and XXXX, are all erroneously reporting my information. 

My date of birth, Name, Address, as well as my employment are all being reported incorrectly. 

Account # XXXX from XXXX XXXX XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to Experian, XXXX, and XXXX. 

Account # XXXX from XXXX  XXXX is reporting the incorrect date opened, last reporting date, last active date, and last payment date to Experian, XXXX, and XXXX.