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

This alleged account XXXX CARD XXXX was not owned by XXXX CARD on XX/XX/XXXX this account should not be considered late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please prove that this account was in fact able due for a payment on those dates, and prove that the owner of the account had legal right to collect payments for those alleged late dates. The account was charged off and closed XX/XX/XXXX. 

Also, in violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ), JPMCB card did not notify me that such negative information was being reported when they furnish the negative information or within 30 days of furnishing it to Experian. I became aware of this alleged debt after accessing Experian in XXXX. 

Also this account is in violation of the 7 years on record. This account per screenshot provided in this complaint and generated directly from the Experian website was reported as past due in XX/XX/XXXX. XX/XX/XXXX was the first time the account was reported 30 days passed due. Which means all negative remarks and account should have been removed from the report XX/XX/XXXX.
Product: Vehicle loan or lease

Wrongfully using the kill switch, loan amounts are incorrect along with payoff amounts.
Product: Credit card

On XX/XX/2023 I Applied For A Navy Federal Credit Card And Got Denied.

Regardless Of The Reason For Denial, I Have A Right To Credit.

Withholding My Access To My Securities Is Securities Fraud.

Navy Federal Is Violating The Equal Credit Opportunity Act And The Consumer Credit Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was overcharged apx {$140.00} at the end of my auto loan with XXXX XXXX XXXX XXXX XXXX. I had an ongoing dispute with them regarding this amount for 4 months at the end of my loan period. I finally relented and paid the balance sine I was in the process of purchasing a home and did not want this open balance reflected in my credit report. However a year later I received a refund check and letter from XXXX XXXX dealership stating that I was indeed overcharged. However this is still adversely effecting my credit rating and my ability to get a lower auto loan interest rate and refinance on my home
Product: Mortgage

XXXX : XXXX XXXX XXXX I would like you to clearly establish our alleged relationship as the new servicing company. 
Requesting : Assignment of Mortgage, Rents Agreement of relationship with beneficiary Confirm foreclosure has been cancelled due to inaccurate accounting - XXXX payments have not been applied Confirm the Original Note is available to view, you have seen, and confirmed trustee has also seen
Product: Vehicle loan or lease

Last month Suntrust who is the Lender of my Vehicle wrongfully repossesed my Truck when the payment was not due. I had to call the Police thinking it was stolen and the XXXX XXXX XXXX. I lost two days of work and suffered serious mental stress because of this. I called the Towing Company who had taken the Vehicle and also Suntrust. I explained to Suntrust the payment was not due until the XXXX of the month with the grace period. Suntrust had to release the truck and the towing company had to return the Vehicle that night. I then had to contact the Police and XXXX and try to explain what had happened. I have asked Suntrust to send me the statements but for two years they refused and also to refinance it in my name alone. The major party of the loan is in bankruptcy but I am not and I have made the payments for 8 plus years but Suntrust refuses to do anything and I have filed two previous complaints, but this is the last draw when they steal the truck when the payment is not even due, only to have to return it.
Product: Debt collection

I purchased my car through XXXX Byrider in XXXX 2013, financing it through CNAC. Immediately after purchasing the car the engine light came on. I did take the car to them to fix and had to pay for some of the repairs. The warranty does not last on the car and as soon as the warranty expired did the many problems arise. I believe this company takes advantage of customers with poor credit by giving them cars that has many hidden problems while giving them huge bi weekly payments ( I pay almost {$500.00} a month ). I just got my car back from the mechanic about two weeks ago and he had it for almost a month. That means I had no way back and forth to work while still trying to keep up with my payments. The car has so many problems it is just a matter of time before it is undrivable XXXX again. 
When completing the application for the vehicle, I gave them a list of people to contact as a reference and another short list to contact in case they are unable to contact me. Currently my car payment is four days late, I told XXXX Byrider that I will make my payment on Friday as soon as I get paid. They are contacting my references telling them that they are not able to get a hold of me which is untrue. I have the emails to prove that I am in contact with them. They are not using the list giving to them to contact if they were unable to get a hold of me. My father called me today extremely stressed getting these phone calls. I emailed my rep to let her know that my elderly father XXXX ( among so many other health issues ) and that stress is the worst thing for XXXX. I asked her why she would she contact him when we already had a discussion regarding me paying on Friday. I also informed her that he was not on the list to contact if she was not able to get a hold of me and to please not contact him again because of this. She told me that she will continue to contact him until I made my payment and would not stop unless he told her not to. It is not in my father 's nature to tell someone to stop calling him but most importantly it is against the agreement that they put forth, morally wrong, a form of harassment and elderly abuse.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out 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 1681 s-2 ( A ) ( a ) 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. Delete the accounts below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In approx XX/XX/2022, I initiated a trade in using my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX powder blue phone, for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also financed an XXXX  XXXX without a trade in with XXXX. I had Many, many issue right off the bat including the inability to connect my service for more than a month, causing me many issues in my personal life, including being unfairly discharged from a medical office that I relied on for everyday well being. The biggest issue leading me here, is that XXXX ultimately failed to keep their part of their contract with me regarding the trade-in offer and never paid off my bill with XXXXXXXX XXXX XXXX for the XXXX XXXX XXXX XXXX. I confirmed the phone arrived at the XXXX warehouse, and on more than one occasion, with the assistance of a representative, tried to process the pay-off, each time believing, hoping it was a success, but while waiting and more time passed, apparently, according to XXXX, `` You waited to long, and now your time frame has " expired ''. Although I did not actually wait to long, XXXX had just neglected their contractual duty when I mailed in my trade in with the trade in kit that they provided to me. I never once wavered from my contract, and still have not. 
Ultimately XXXX XXXX XXXX sold this debt, against me to collections for {$790.00}, and my credit which was recently close to 800, is now approx 665 or less, and going down because of it. I recently received a letter from XXXX stating that they received a letter from the new collection agency Sunrise ( who has apparently purchased the debt from the original collection agency, and when they took over it shows on my credit report as if its a brand new debt collection, being the reason my score went down dramatically again. ) after receiving this letter they ran a soft inquiry on my credit and then decided to reduce my benefits and purchase power, even though # 1- I have 100 % on time payment history with XXXX XXXX Ive never owed them one single day past due, ever. # 2- this entire situation is 100 % their doing and their fault, yet they have the oddasity to penalize me when they have not only destroyed my credit and financial reputation, but also my chances of qualifying for a mortgage, which Id been striving for for 4 years until now. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX in my Experian and XXXX report has violated my rights. XXXX  account # XXXX on my XXXX report has also violated those 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: Debt collection

I have disputed this debt three times and this company has not presented any proof or signed contract that this debt is mines. I have not seen any documents stated I signed up for this company.
Product: Debt collection

Over 45 days ago I sent a certified letter to Pinnacle Recovery requesting Validation of an alleged debt they are reporting to the credit bureaus. I asked for proof I owed the debt and proof they were the current owner or proof they are authorized to collect the debt. I also asked for their Texas collection license and bond information which they are required to give me under the Texas Finance Code. They have not responded and are continuing to report me to the credit bureaus.
Product: Mortgage

I lost my position as a first-line worker due to a low census at my facility. I have a beautiful home with, with a wonderful dog. We all know its a terrible situation, and if someone can avoid me from losing our house Id appreciate it, so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a validation letter to XXXX asking for validation that I have a sign contract with them. They have yet to provide me the necessary information. I have attached the information that was sent to me. I show no contracts with XXXX XXXX or Resurgent Capital Services. I  have never heard of them.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Fraudulent application submitted on XX/XX/XXXX for the amount of {$1200.00}. 
Today XX/XX/XXXX, I received an email that I have a payment due. This alarmed me, I contacted Three Sticks Lending on XX/XX/XXXX and spoke with the Fraud Department Representative XXXX. XXXX called XXXX XXXX the bank where the money was deposited and we spoke to XXXX that verified the deposit. I verified that that is not my account. The Three Sticks Lending Company sent me via email a fraud form to fill out which I did on XX/XX/XXXX. They suggested that I could report this to the police and the FTC. I think XXXX XXXX should have known that my name was not on the account. 
After today 's email, thinking all the previous emails were junk and not to open the emails, I put them in my trash file. I read the email on XX/XX/XXXX that a loan was actually processed in my name, I looked back at all the emails from Three Sticks Lending and found the following : XX/XX/XXXX that a loan was approved and the funds were available. On XX/XX/XXXX an email was reminding me of an upcoming payment due. On XX/XX/XXXX an email came that I had insufficient funds for a payment. I did not make this loan application nor did I receive the funds. Now, I'm concerned about my credit. This past year I have been trying to improve my credit because I plan on retiring in XXXX. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I signed up for a Venture Credit Card by clicking on the promotional offer link advertising XXXX sing up bonus points. I completed the requirements and no bonus was awarded. I called and was told my account didn't show the initial sign up bonus. I was told it would be escalated to a supervisor. It was confirmed that my account would have been eligible and that I met the spending requirements. The company then refused to provide the bonus. 

I was told I was not allowed to talk to a supervisor. I send emails to the Director of Complaints, XXXX XXXX. I did not receive any response. I followed up with emails to various others in upper management and have been ignored.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. The CAPITAL ONE account, account number XXXX with charges of {$230.00}, and the XXXX XXXX XXXX  account, account number XXXX with charges of {$120.00} are unauthorized accounts. These accounts are fraudulent. I submitted a FTC report for the charges at hand and sent the documentation to the XXXX credit bureau where I seen the charging for them to remove it from my and stop reporting. I will be filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX and Experian has used my data incorrectly and purchased wrongful information from XXXX and XXXX to reinsert a fraudulent account back into my credit file which violates my FCRA rights. Experian has already investigated this issue in 2019 and sent a confirmation letter that this fraudulent account was deleted. You can not reinsert inaccurate information that is not verified into a consumer credit files and rental history. it is damaging my name and my credit and causing hardship.
Product: Debt collection

XXXX of Harmon Law debt collection stated in letter dated XXXX XXXX, 2016 that if within 30 days, I dispute the debt, submit debt validation, or request info on the debt, that by law he is obligated to cease collections. Harmon Law signed certified return receipt XXXX XXXX, 2016 and failed to respond to debt validation, QWR, Dispute of charges. Rather than answer by law per his own letter citing the law, XXXX XXXX has gone to Commonwealth of Massachusetts Division of Banks with unclean hands, decieving the court indicating he has complied with the law conducting all procedure prior to advancing foreclosure, has illegaly obtained signature from the XXXX, on the Soldiers Relief Act, which allowed him to serve " Order of Notice '' to advance his illegal foreclosure. It is imperative that his behavior be investigated and stopped. He obviously KNOWS the law, because he had it in his letter to me, which is how I based my comminications with a 30 day window. I wrote to him immediately and he signed for my QWR Dispute Debt Validation within 48 hours! This ilegal aggressive attempt to take my property without regard for my rights is directly violating federal debt collection practices. He must be stopped. Please assist me on this matter
Product: Mortgage

QUICKEN LOANS OFFERED ME A SUMMARY TELLING ME SAYING " I HAVE A CHOICE WITH __________________COMPANY TO PAY THE MONEY BACK FOR BUY A HOME. 
AND THAT THEY COULD DO THE BEST THEY CAN TO FIX THE PROBLEM. 
I HAVE NEVER HAD A MORTGAGE.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

XX/XX/XXXX XXXX  : payment made for principal {$2000.00} XX/XX/XXXX : payment made for principal {$2500.00} XXXXXXXX  : student loan freeze. 
. 
. 
. 
XX/XX/XXXX : loan agency wants me to pay interest over the freeze period even though I have been paying down my principal or at least trying.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft please remove removing fraudulent collections from my credit report I believe constitutes a severe violation of the Fair Credit Reporting Act ( FCRA ). It has come to my attention that your agency is reporting a collection account from an alleged debt of Alleged balance owed here {$160.00}. ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that this reporting is nothing short of fraudulent, as I have enclosed a copy of the identity theft report filed with the Federal Trade Commission ( FTC ) that attests to the fraudulent nature of this account. In light of the gravity of this situation, I kindly request your immediate attention and action to rectify this matter.
Product: Credit reporting or other personal consumer reports

Equifax is reporting wrong information on my accounts, when I pay on my accounts they take points off, believe all the reporting agency 's are fraudly damageing my report so I can't get any credit, have been turned down 4 times so far, my score should be at least XXXX, as of today they have managed to get it down to XXXX, this is crazy, a false 90 day late was reported and they took XXXX points off, and when it was connected they never put the points back, there needs to be a investigation into what are they doing to destroy everyones credit, so far have cost me about XXXX dollars due to the fraudulent reporting on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting to the credit bureaus inaccurately. I was given a deferment in XXXX for the months of XXXX and XXXX. Then they reported to the bureau that I was 60 days past due causing my credit score to go down. I was not 60 days past due once the deferment hit I was told it would correct my account and it did not it only updated to show that I was current. I want the 60 day past due to be removed as I paid my account up in full in XXXX and then again ontime for ongoing payments in XXXX. I have always kept my account in good standing and I want this corrected ASAP this is ruining my credit. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

A COMPANY NAMED XXXX ILLEGALLY DEBITED FUNDS FROM MY CHECKING ACCOUNT ON XX/XX/XXXX IN THE AMOUNTS OF XXXX, XXXX, XXXX, XXXX AND XXXX. 
ON XX/XX/XXXX, MY BOYFRIEND USED HIS BANK OF AMERICA CHECKING ACCOUNT TO PAY FOR MERCHANDISE IN THE AMOUNT OF XXXX TO XXXX. I FAXED THIS INFORMATION TO BANK OF AMERICA 'S FRAUD DEPT AND I WAS SUPPOSED TO BE REIMBURSED FOR THESE UNAUTHORIZED CHARGES. BANK OF AMERICA HAS BEEN MOST UNCOOPERATIVE IN THE MATTER AND I 'M VERY UPSET BY THIS WHOLE INCIDENT.
Product: Debt collection

I received a letter dated XXXX/XXXX/15 from MRS BPO, L.L.C located at 1930 XXXX XXXX XXXX XXXX, NJ XXXX. Stating that they are collecting on be half of XXXX XXXX XXXX in the amount of {$100.00}. And if I did not pay w/in 30 days the info would be place on my credit report. Indeed I did own XXXX XXXX XXXX earlier last year for a Modem, which I returned later and when I spoke with time warned I was told by their representative that my account was at a {$0.00} balance after receiving the modem. And the negative info was removed from my credit report. 

Upon receipt of this collection notice I call time warner @ XXXX and I spoke with a gentleman by the name of XXXX, regarding account ending in XXXX, who also states that my account is at a {$0.00}. I advised him of MRS attempting to collect {$100.00} on behalf of XXXX. I request for something in wring and per XXXX, at XXXX, I should receive a letter within 4-5 business days as proof that I do not owe XXXX XXXX any Money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may intrigue, I have been trying to apply for credit, for near a decade unsuccessfully. When I apply for credit, I am always told that there is discrepancy between my identifying information that the financial institution has versus what a credit agency has. TransUnion has been the obstacle four out of five times. When I contact TransUnion, I am connected to someone who tells me to make a free account on the TransUnion 's website for assistance. To sign up with TransUnion online, their second step called " Personal Information '' has a credit card section, that is required to continue ... for a free account. When I contacted TransUnion and asked about this, they told me " this is just to have in case you want paid services later. Such as a credit report, which is only {$0.00} ''. This classic trope echoes the adult side of the internet from the early 2000 's. 

I have been unable to speak with anyone from TransUnion who can even recognize the problem yet. Everyone tells me to call a different number, or go to a different website. This unfortunate trope echoes trying to cancel your cable.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX