23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Yes, I worked with Lexington Law several years ago with my credit. I was paying every month for at least two years. I'm sure the exact dates, however this did happen. I've seen reports on them having to issues funds back. I wanted to make sure that my address is correct in the system because I should be getting my money back. However it is after the XXXX of XXXX so I'm sure wats going on. Please if someone could call, email or text that would be great about my check status. 

Phone : XXXX Email : XXXX XXXX
Product: Checking or savings account

Checking fifth third bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telfono : XXXX XXXX VS_______________ Fifth third bank XXXX chain XXXX XXXX XXXX GA XXXX # cuenta XXXX Collection Departaments fifth third bank ge into my account without authorization and get money At the moment in my behalf I contact them XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Fifth third bank summit a bank transfer without my unthorization. I contact them and their allegations is that own them money from my car loan which is just current pay. The withdrawal the amount XXXX. I request money back. 
Thanks for you prompt answer To your success. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.
Product: Credit reporting or other personal consumer reports

I was shocked to discover that inaccurate accounts appeared on my credit report this morning, and Im baffled as to how this could happen. I check my credit report regularly, but this time, discrepancies appeared out of nowhere. I even refreshed my browser to see if it was just a glitch, but the inaccurate accounts remained. This issue has left me very concerned, and I am requesting a thorough review of the documents Ive submitted so that I wont have to worry about this happening again.
Product: Student loan

The original company was XXXX XXXX and the loan was transferred to XXXX. The original loan was {$7000.00}. I have also been paying on my loan since 2019 and have paid even while being unemployed through XXXX. XXXX XXXX deducted payments directly from my account my account was reported a few times as being late. How is that possible when ACH payments were being deducted..? My loan balance is still {$6500.00} after 4 years. I received via email a falsified notice from XXXX with my electronic signature and my co-signers signature.It was falsified.It stated the original loan was {$8000.00}. I never received the original loan documents as requested under FOIA. I have attached disbursement dates and amounts showing a loan for {$7000.00} not almost {$1000.00} more .My co-signer and I didnt agree to {$8000.00}. Thats illegal and I have read a substantial number of complaints submitted to CFPB about this XXXX tactic of changing documents and original loan amounts. I see nothing has been done to change their criminal behavior. I have reached out to the SEC, my Attorney General and a few law firms. I also made a previous request to release my co-signer. I have full-time employment as a Federal Contract worker for nearly three years.
Product: Credit reporting or other personal consumer reports

A complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion, XXXX and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information includes accounts at Target, XXXX XXXX XXXX, XXXX and XXXX and XXXX which I did not authorize, open, make, or initiate in any way. The details of the fraudulent information are as follows : Target Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXX Auto Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX and XXXX and XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX. These accounts are the result of identity theft and fraud, and I have attached a copy of my FTC Identity Theft Report to verify that this is a case of fraud. I do not recognize these accounts, nor was it opened, made, or initiated by me in any capacity. The fraudulent entry is affecting my credit report, and I request the immediate removal of this item. Furthermore, in support of my rights under the FCRA, I reference the following court cases : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirmed the consumer 's right to dispute and have inaccurate or fraudulent information corrected or removed from their credit report under the FCRA. XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must maintain procedures to ensure the accuracy and integrity of the information on consumers credit reports, particularly in cases of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that the FCRA requires credit bureaus to conduct reasonable investigations and promptly correct inaccuracies when consumers report fraudulent information on their credit reports. These cases establish my right to a fair and accurate credit report and affirm the duty of TransUnion to act promptly in removing fraudulent information. Additionally, I have provided a copy of my current consumer XXXX credit report showing this fraudulent account, along with the FTC Identity Theft Report as confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent certified mail of which I have proof that the company received. The company is using illegal practices and have failed to provided signed contracts verifying that I owe this company any debt. I would like to have this illegal file deleted asap otherwise I will take legal action and sue in small claims,
Product: Vehicle loan or lease

I paid off my car loan on XX/XX/2023. Hyundai sent me a message that the transfer of title and lien release letter will take 5 business days to be sent to XXXX DMV. it's been over a month and nothing has been transfered. Every time I call Hyundai Finance customer service they give me a run around and say they don't know when the transfer will occur. When I spoke with a manager he told me he understood my frustration but there is nothing he can do for me. I have searched on the internet and i am not the only one who has problem with receiving my title. Please help. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I didn't even know I had a collections until I pulled my credit. I took care of this debt but it is still showing I owe on my credit report. Please help
Product: Checking or savings account

From XX/XX/2021 to this present day Navy Federal Credit Union has refused to reimburse me {$33000.00} of Insirance Claims money I was scammed out of by a contractor that I hired. This could have been prevented if the Navy Federal insurance claim agent, XXXX who was handling my claim had taken a few short moments to request the necessary documents that would have prevented the contractor from being able to scam me. There was no request for a contract, NFCU just requested an invoice from the contractor, the Member Declaration form wasnt presented to me which in itself would have deterred the scam and also would have protected NFCU from lawsuit. Also, the inspection company hired by NFCU lied on the inspection report stating that I was satisfied with the work being done and also on his reports the question was asked if any necessary permits were pulled and he answered N/A. Which is false because my house was a total loss due to a structure fire. In the county where I live a building being repaired from such damages needs a building permit pulled from the county. Ive spoken to NFCU concerning this matter and the reimbursement of the money lost through email and phone conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert that I had a new hard inquiry on my report, but knew that I hadn't applied for a loan or new line of credit. When I looked at my report, it appeared that Innovate Loan Servicing had made a hard inquiry. I had never directly applied for a loan with them, but in XXXX of 2020, when applying for financing for a car, XXXX XXXX apparently shopped my info out to them. I did not take a loan through them at that time and was excited for their hard inquiry to drop off of my report in XXXX. 
I reached out to them by phone and email, more than two weeks ago, but have not received a response in either form. I requested they report to the three credit bureaus that I had not applied for a loan with them. It's frustrating because I had worked hard to get my score to XXXX, and this inquiry that I did not make has taken that away from me. 

Their contact information : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I searched my Transunion credit reports and found. that the CRA Transunion LLC just refuses to follow guidelines of FDCPA and the FCRA and perform a proper and complete investigation of my account # XXXX with XXXX XXXX XXXX First of all, the acct # XXXX ... 
should never have been closed & charged off and I will show the illegal reporting down below : 1. ) Transunion reports ( 3 ) three different amounts as the amount owed to XXXX XXXX XXXX!! That is impossible and the reporting of this acct # XXXX needs to be Deleted immediately!!! It's impossible to owe '' XXXX XXXX XXXX '' an amount of {$1000.00} when the max credit limit on the credit card was {$500.00}!! This acct # XXXX ... needs to be Deleted because of this inaccurate unverifiable reporting! Transunion & '' XXXX '' also list a third amount of {$490.00} as the figure owed to " XXXX  '' This amount is inaccurate also!! These are all violations of the FDCPA and the FCRA and the whole account # XXXX ... should be Deleted immediately!! 
2. ) Additionally, Transunion and " XXXX XXXX XXXX '' also illegally reports a " '' past due '' amount on my credit report regarding this chargedoff collection acct # XXXX..That 's also a violation of the FDCPA and the FCRA because it exponentially & unfairly harms my credit even more!!! This acct. # XXXX ... should be Deleted immediately!! 
3. ) Additionally Transunion and XXXX XXXX XXXX disrespects the FDCPA & FCRA even further by not properly investigating and properly categorizing their findings as prescribed by law!! The term of " NOT SPECIFIED '' being placed on my credit report is flagrant disrespect and wreckless disregard for the FDCPA & FCRA and an insult!!! The law is clear & Both parties refuse to tell the truth and Delete this account # XXXX. Please help me with these huge bullies!! 
They don't even bother to render an official opinion of the facts regarding my Acct # XXXX as demanded by law!! They both should be punished!. I have disputed these reporting issues with them both for over ( 2 ) two years and they have ignored me as if they think they are above the LAW!!! PLEASE HELP ME..
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I initiated a dispute for a transaction worth more than {$12000.00} paid using my Bank of America visa debit card. Two items in my order were returned to the sender and were never delivered to me, the tracking page suggest the same. The items that I did receive were eventually returned to the sender using a prepaid shipping label provided to me. I did not receive a refund from the merchant for those items. I have been waiting for almost a month, and so I decided to initiate a bank dispute. It has been 10 business days but I did not even receive the provisional credit for this transaction which is making it tough for me to pay the rent and other things. I would really wish that Bank Of America helps me with this issue.
Product: Debt collection

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you sent. Please note, that your claim is disputed and validation is demanded. I never requested information from you or gave permission to contact me via email. 15 USC 1692g I do hereby request that your office provide me with complete documentation to validate that I owe the said debt and have any legal obligation to pay you. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, and explanation of how debt was obtained. The agreement bearing my signature stating that I have agreed to assume the debt. Valid copies of the debt agreement stating the amount of the debt and interest charges, and an explanation of how this was calculated Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed, an full audit trail. Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing a CFPB complaint against you for the following : * Violation of the Fair Credit Reporting Act - reporting inaccurate information * Violation of the Fair Debt Collection Practices Act - continuing collection activity on a debt which has not been validated This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. REQUEST FOR CEASE AND DESIST OF CONTACT, CREDIT REPORTING, AND COLLECTION ATTEMPTS BY YOUR OFFICE and prohibition of sale of alleged debt : I would also like to request, in writing, no further contact, either in writing or telephone be made by your offices to my home or to my place of employment, unless it is to provide validation or release of liability of the debt. If your offices attempt telephone or email communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for any costs and I may incur.
Product: Credit card or prepaid card

I made a dispute in XXXX of XXXX regarding two transactions from XXXX. I did NOT receive the merchandise. I contacted XXXX and made them aware of the fact I did NOT receive the merchandise. I later lost my card and XXXX indicated they could not issue the refund due to this and I needed to contact my card holder account. I responded to the disputes and was never contacted by Avant. I learned today XX/XX/XXXX Avant had charged back the items to Me. Im NOT paying for something I did NOT receive. I want this refunded ASAP
Product: Money transfers

I ordered XXXX engines from XXXX XXXX for {$4000.00} on XXXX/XXXX/15. He instructed me tosend money through Paypal and to select the send money feature andnot the goods and services. I sent the money as instructed. The sellerdelayed the shipping and finally sent " the engines ''. When I received themThey were unusable junk. I tried to contact him to arrange shipping themback and he quit responding to me. I then contacted paypal as they offerprotection for their buyers. I spoke to the dispute department and was toldthat my dispute would have been an easier dispute if I had selected goodsand services but assured me that it was still disputable. I filed a disputeon XXXX/XXXX/15 with Paypal. The case was opened and the notes show thatthey reach out to the seller. The seller never did respond. On XXXX/XXXX/15 Ireceived notification that I lost the dispute. I reopened the case on XX/XX/2015Paypal again reached out to the seller and were unable to reach him. 
They then sent me an email that I lost the dispute again. I asked them for a detailed explanation as to why I lost the case if they had been unable to reach theseller. Their response was because I selected send money instead ofgoods and services that it became an undisputable transaction. This wasnot what was told to me and if you pull the transaction details it states onthe transaction that it is disputable. In addition to that if it was a nondisputable transaction why did they open the dispute case twice? It hasbeen brought to my attention that this seller has done this before throughPaypal and the are basically using Paypal to scam people. Paypal has beenmade aware of this and has done nothing to correct the issue. In fact theseller is still allowed to use the Paypal site. I would like to get my moneyback for this obvious scam that Paypal is allowing.
Product: Checking or savings account

PNC bank is claiming that I received a refund deposit of {$110.00} from XXXX  XXXX on XX/XX/year>. These funds have never been made available to me, and the bank itself was sending me low balance alerts on that date, recording my balance to be {$0.00} on the date in question. Despite this, they continue to insist the funds were made available to me. Simple math on my transactions and available account balance proves this to be true. The company refuses to take any action.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. 

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

I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for these accounts? Please investigate properly and correct them from my personal credit file : XXXX XXXX Balance : {$330.00} ; XXXX  XXXX XXXX Balance : {$49000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of idenity theft. i have XXXX accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX  -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXX XXXX- date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3XXXX XXXX XXXX XXXX  -date fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response
Product: Credit reporting or other personal consumer reports

I have not been able to get a credit report but more importantly, my credit score has not changed since XX/XX/XXXX. I contacted Experian on Tuesday, XX/XX/XXXX, I was told that my address was not on my report which caused the problem. They asked me to upload my identification as proof of my current address. I uploaded my driver 's license while I was speaking to the customer service agent. He said that it takes XXXX days to update. I keep getting disconnected when I attempt to contact Experian. I believe that I can not get an updated credit report for the same reason.
Product: Credit reporting or other personal consumer reports

Inaccurate personal information being reported that do not belong to me. 
The following addresses AND employers are being reported inaccurately : XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX EMPLOYERS : XX/XX/XXXXMY CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX
Product: Credit reporting

State of GA placed a tax lien of for {$650.00} with a filing date of XXXX XXXX, XXXX stemming back to XXXX tax year Lien shows as paid in XXXX XXXX, XXXX I made several payments before and after this, my payments were applied to the wrong year Reference # XXXX was listed on my credit report